:root{--navy:#001a41;--navy-2:#173758;--gold:#deb066;--ink:#12243b;--muted:#5a6878;--line:#dbe1e8;--soft:#f6f8fb;--white:#fff;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font:16px/1.7 Montserrat,Arial,sans-serif}a{color:inherit;text-underline-offset:4px}.skip{position:absolute;left:12px;top:-70px;background:white;padding:10px 14px;z-index:100;border:2px solid var(--navy)}.skip:focus{top:12px}.wrap{width:min(var(--max),calc(100% - 48px));margin:auto}.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}.header-inner{min-height:104px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;text-decoration:none}.brand img{display:block;width:250px;max-width:42vw;height:auto}.main-nav{display:flex;gap:22px;align-items:center;font-size:14px;font-weight:600}.main-nav a{text-decoration:none}.main-nav a:hover{text-decoration:underline}.button{display:inline-flex;align-items:center;justify-content:center;gap:14px;background:var(--navy);color:#fff;text-decoration:none;padding:13px 18px;font-weight:650;border:1px solid var(--navy)}.button:hover{background:var(--navy-2)}.button.secondary{background:white;color:var(--navy)}.button.secondary:hover{background:var(--soft)}.hero{padding:74px 0 64px;border-bottom:1px solid var(--line)}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;color:var(--navy);display:flex;align-items:center;gap:12px}.eyebrow:before{content:'';width:32px;height:3px;background:var(--gold)}h1,h2,h3{color:var(--navy);line-height:1.18}h1{font-size:clamp(40px,5vw,66px);letter-spacing:-2px;margin:18px 0 22px;font-weight:550;max-width:900px}h2{font-size:clamp(28px,3vw,40px);letter-spacing:-1px;margin:0 0 18px}h3{font-size:22px;margin:0 0 10px}.lead{font-size:19px;line-height:1.75;color:var(--muted);max-width:780px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.7fr);gap:70px;align-items:end}.hero-card{border-left:4px solid var(--gold);padding:8px 0 8px 24px;color:var(--muted)}.hero-card strong{color:var(--navy)}.section{padding:72px 0}.section.soft{background:var(--soft)}.section-head{max-width:760px;margin-bottom:38px}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.card{border:1px solid var(--line);padding:28px;background:#fff}.card p:last-child{margin-bottom:0}.card .kicker{font-size:12px;text-transform:uppercase;letter-spacing:1.6px;font-weight:700;color:var(--muted)}.list{padding-left:20px}.list li{margin:8px 0}.detail-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 28px;padding:0;list-style:none}.detail-list li{border-top:1px solid var(--line);padding-top:14px}.cta-band{background:var(--navy);color:#fff;padding:46px 0}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}.cta-inner h2{color:white;margin:0}.cta-inner p{margin:8px 0 0;color:#d7deea}.cta-band .button{background:#fff;color:var(--navy);border-color:#fff}.faq details{border-top:1px solid var(--line);padding:18px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:700;color:var(--navy)}.faq p{max-width:850px;color:var(--muted)}.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:22px}.breadcrumb a{color:var(--navy)}.facts{display:flex;gap:28px;flex-wrap:wrap;margin-top:28px}.fact{border-top:2px solid var(--gold);padding-top:10px;min-width:190px}.fact strong{display:block;color:var(--navy)}.notice{background:#fff7e9;border-left:4px solid var(--gold);padding:18px 20px;margin:26px 0}.site-footer{border-top:1px solid var(--line);padding:42px 0 52px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}.site-footer strong{color:var(--navy)}.site-footer p,.site-footer a{font-size:14px;color:var(--muted)}.site-footer a{display:block;margin:6px 0}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:900px){.site-header{position:static}.header-inner{min-height:auto;padding:20px 0;align-items:flex-start}.main-nav{display:none}.brand img{width:220px;max-width:70vw}.hero-grid,.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}.hero{padding:54px 0}.section{padding:56px 0}.detail-list{grid-template-columns:1fr}.cta-inner{align-items:flex-start;flex-direction:column}.wrap{width:min(var(--max),calc(100% - 32px))}}