:root{--navy:#0b2545;--teal:#E8772E;--tealdk:#B4500F;--orhov:#93400B;--ink:#1d2733;--mut:#5b6775;--bg:#f4f7f9}
*{box-sizing:border-box}body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink)}
a{color:var(--tealdk)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.25}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.hdr{background:#fff;border-bottom:1px solid #e3e8ee;position:sticky;top:0;z-index:5}.hrow{display:flex;align-items:center;justify-content:space-between;min-height:72px;flex-wrap:wrap}
.brand{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--navy)}.brand span{display:flex;flex-direction:column;line-height:1.2}.brand small{color:var(--tealdk);font-weight:600;letter-spacing:.04em}
nav ul{list-style:none;display:flex;gap:22px;margin:0;padding:0}nav a{text-decoration:none;color:var(--ink);font-weight:500;padding:6px 0}nav a:hover,nav a[aria-current]{color:var(--tealdk);border-bottom:2px solid var(--teal)}
.nt,.burger{display:none}
.hero{background:linear-gradient(135deg,var(--navy),#134074);color:#fff;padding:72px 0 64px}.hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.7rem);max-width:820px;margin:.2em 0}.lead{font-size:1.15rem;max-width:720px;color:#dbe6f0}
.eyebrow{color:#F5A462;text-transform:uppercase;letter-spacing:.12em;font-weight:700;font-size:.8rem;margin:0}
.btn{display:inline-block;background:var(--tealdk);color:#fff;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600;margin:6px 8px 0 0}.btn:hover{background:var(--orhov)}.btn.alt{background:transparent;border:2px solid #fff}
.sec{padding:56px 20px}.band{background:var(--bg)}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.card{background:#fff;border:1px solid #e3e8ee;border-top:4px solid var(--teal);border-radius:8px;padding:20px 22px}.card h3{margin-top:1.4em}.card h3:first-child{margin-top:0}.card p{color:var(--mut);margin-bottom:0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px}.two .card p{color:var(--ink)}.cta{text-align:center}.note{color:var(--mut);font-style:italic;margin-top:28px}
.tl{list-style:none;padding:0;border-left:3px solid var(--teal)}.tl li{padding:0 0 16px 18px}.tl b{display:block;color:var(--navy)}.list li,.steps li{margin-bottom:10px}
.ftr{background:var(--navy);color:#cfd9e3;padding:40px 0 24px;font-size:.93rem}.ftr a{color:#F5A462}.ftr strong{color:#fff}.fgrid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.disc{border-top:1px solid #2b4a6f;margin-top:24px;padding-top:16px}.small{font-size:.82rem;color:#9fb2c5}
@media(max-width:820px){.burger{display:block;font-size:28px;cursor:pointer;color:var(--navy);padding:4px 8px}
nav{display:none;width:100%}.nt:checked~nav{display:block}nav ul{flex-direction:column;gap:0;padding-bottom:12px}nav a{display:block;padding:10px 0;border-bottom:1px solid #eef}
.two{grid-template-columns:1fr;gap:16px}.hero{padding:48px 0}.brand strong{font-size:.95rem}}
a:hover{color:var(--orhov)}.ftr a:hover{color:#fff}.btn:hover{color:#fff}.btn.alt:hover{background:rgba(255,255,255,.12)}a:focus-visible,.btn:focus-visible{outline:3px solid #F5A462;outline-offset:2px}