:root{--gt:#7d5f27;--navy:#0a1f33;--navy2:#12304c;--gold:#b8965a;--ink:#0f2233;--muted:#55687a;--bg:#f7f9fb;--line:#dde5ea}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:400 17px/1.7 "Segoe UI",system-ui,-apple-system,Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:inherit}:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding:0 28px}
.top{position:absolute;inset:0 0 auto;z-index:5}
.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding-top:28px;padding-bottom:28px}
.brand{color:#fff;text-decoration:none;display:flex;flex-direction:column;line-height:1.1}
.brand b{font:600 26px Georgia,"Times New Roman",serif;letter-spacing:.12em}
.brand span{font-size:11px;letter-spacing:.28em;color:var(--gold);margin-top:6px;text-transform:uppercase}
nav a{color:#d7e2ea;text-decoration:none;margin-left:26px;font-size:14px;letter-spacing:.06em}nav a:first-child{margin-left:0}nav a:hover{color:var(--gold)}
.hero{background:radial-gradient(1200px 520px at 80% -10%,#1b476c 0,transparent 60%),var(--navy);color:#fff;padding:190px 0 110px}
.hero.small{padding:170px 0 70px}
.eyebrow{font-size:12px;letter-spacing:.3em;color:var(--gold);text-transform:uppercase;margin:0 0 26px;display:flex;align-items:center;gap:16px}
.eyebrow:before{content:"";width:48px;height:1px;background:var(--gold)}
h1{font:400 clamp(38px,6.4vw,72px)/1.08 Georgia,"Times New Roman",serif;margin:0 0 28px;max-width:14em;letter-spacing:-.01em}
.small h1{font-size:clamp(34px,5vw,56px);margin:0}
h1 em{font-style:italic;color:var(--gold)}
.lead{max-width:36em;color:#b9cbd8;font-size:19px;margin:0 0 40px}
.btn{display:inline-block;padding:15px 32px;border:1px solid var(--gold);color:#fff;text-decoration:none;font-size:13px;letter-spacing:.14em;text-transform:uppercase;transition:.25s;margin:0 12px 12px 0}
.btn.fill{background:var(--gold);color:var(--navy);font-weight:700}
.btn:hover{background:#fff;color:var(--navy);border-color:#fff}
.hero .wrap>*{animation:up .9s both}.hero .wrap>*:nth-child(2){animation-delay:.12s}.hero .wrap>*:nth-child(3){animation-delay:.24s}.hero .wrap>*:nth-child(4){animation-delay:.36s}
@keyframes up{from{opacity:0;transform:translateY(18px)}}
@media (prefers-reduced-motion:reduce){.hero .wrap>*{animation:none}html{scroll-behavior:auto}}
.strip{background:var(--navy2);color:#d7e2ea;border-top:1px solid #ffffff1a}
.strip .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding-top:24px;padding-bottom:24px;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.strip span:before{content:"◆";color:var(--gold);margin-right:12px;font-size:9px;vertical-align:middle}
section{padding:110px 0}
h2{font:400 clamp(30px,4.4vw,48px)/1.15 Georgia,"Times New Roman",serif;margin:0 0 28px;letter-spacing:-.01em}
.label{font-size:12px;letter-spacing:.3em;color:var(--gold);text-transform:uppercase;margin:0 0 18px}
.statement{font:400 clamp(24px,3.4vw,38px)/1.4 Georgia,"Times New Roman",serif;max-width:26em;margin:0}
.row{display:grid;grid-template-columns:90px 1fr 1.5fr;gap:24px;padding:32px 0;border-top:1px solid var(--line);align-items:baseline}
.row:last-child{border-bottom:1px solid var(--line)}
.row i{font:italic 400 28px Georgia,"Times New Roman",serif;color:var(--gold)}
.row h3{margin:0;font:600 22px Georgia,"Times New Roman",serif}.row p{margin:0;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:48px}
.steps b{font:italic 400 64px/1 Georgia,"Times New Roman",serif;color:var(--gold);display:block;margin-bottom:16px}
.steps h3{margin:0 0 10px;font:600 22px Georgia,"Times New Roman",serif}.steps p{margin:0;color:var(--muted)}
.alt{background:#eef3f6}
.dark{background:var(--navy);color:#fff}.dark p,.dark dd{color:#b9cbd8}
dl{display:grid;grid-template-columns:170px 1fr;gap:16px 24px;margin:0 0 36px}
dt{color:var(--gold);font-size:12px;letter-spacing:.2em;text-transform:uppercase;padding-top:4px}dd{margin:0}
dd a{color:#fff}
.docs{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:60px}
.doc{display:block;padding:28px;background:#fff;border:1px solid var(--line);text-decoration:none;transition:.25s}
.doc:hover{border-color:var(--gold);transform:translateY(-3px)}
.doc small{color:var(--gold);letter-spacing:.2em;font-size:11px}
.doc b{display:block;font:600 21px Georgia,"Times New Roman",serif;margin-top:8px}
.facts{background:#fff;border:1px solid var(--line);padding:10px 30px}
.facts dl{margin:0}.facts dt{padding:18px 0 0}.facts dd{padding:14px 0;border-bottom:1px solid var(--line)}
.note{font-size:14px;color:var(--muted);margin-top:20px}.dark .note{color:#8fa6b6}
footer{background:#06141f;color:#8fa6b6;font-size:14px;padding:36px 0}
footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}footer a{color:#d7e2ea;text-decoration:none}footer a:hover{color:var(--gold)}
@media (max-width:820px){section{padding:76px 0}.row{grid-template-columns:50px 1fr;gap:10px 16px}.row p{grid-column:2}.steps,.docs,.strip .wrap{grid-template-columns:1fr}.steps{gap:36px}dl{grid-template-columns:1fr;gap:4px}dd{margin-bottom:14px}.hero{padding-top:150px}nav a{margin-left:16px;font-size:13px}}
nav{display:flex;flex-wrap:wrap;gap:6px 22px}nav a,.brand span{white-space:nowrap}nav a{margin:0}
.label,.row i,.steps b,.doc small{color:var(--gt)}.dark .label{color:var(--gold)}
footer .wrap{display:block}.flinks{display:flex;flex-wrap:wrap;gap:8px 28px;padding-bottom:18px;margin-bottom:18px;border-bottom:1px solid #ffffff1a}
.flinks a{color:#fff;font-weight:600}.flinks a.fin{color:var(--gold)}.flinks a.fin:after{content:" →"}
@media (max-width:820px){.top .wrap{flex-direction:column;align-items:flex-start;gap:16px}nav{gap:6px 18px}nav a{font-size:13px}}