:root{--navy:#032151;--navy2:#042064;--gold:#FBBE01;--white:#fff;--soft:#FAF9FA;--ink:#14213d}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 "Segoe UI",system-ui,-apple-system,Arial,sans-serif;color:var(--ink);background:var(--white)}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;line-height:1.15;margin:0 0 .5em}
h1{font-size:clamp(2.2rem,6vw,4.2rem)}h2{font-size:clamp(1.6rem,3.5vw,2.4rem)}h3{font-size:1.3rem}
a{color:var(--navy2)}img{max-width:100%;height:auto}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:var(--gold);padding:8px;z-index:99}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.hd{background:var(--navy);position:sticky;top:0;z-index:50}
.hdin{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px}
.logo img{display:block;height:58px;width:auto}
.ft img{height:90px;width:auto}
nav{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
nav a:not(.btn){color:var(--white);text-decoration:none;font-size:.9rem}
nav a[aria-current]{color:var(--gold)}
.burger{display:none;background:none;border:1px solid var(--gold);color:var(--gold);padding:8px 14px;border-radius:6px;font:inherit}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;border:2px solid var(--navy);background:transparent;color:var(--navy);font-weight:700;text-decoration:none;margin:4px 8px 4px 0;cursor:pointer;font-family:inherit;font-size:.95rem}
.btn:hover{background:var(--navy);color:var(--white)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}.btn.gold:hover{background:var(--white);border-color:var(--white)}
.btn.ghost{border-color:var(--white);color:var(--white)}.btn.ghost:hover{background:var(--white);color:var(--navy)}
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:var(--white);padding:clamp(56px,10vw,120px) 0}
.hero h1{max-width:14ch;color:var(--white)}.hero .sub{font-size:1.35rem;color:var(--gold);font-weight:600;max-width:34ch}
.hero p{max-width:60ch}
.sec{padding:clamp(40px,7vw,80px) 0}.alt{background:var(--soft)}.lead{font-size:1.15rem;max-width:68ch}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px;margin-top:24px}
.card{background:var(--white);border:1px solid #e3e6ee;border-top:5px solid var(--gold);border-radius:6px;padding:24px}
.pill{text-align:center}.pill h3{margin:0}
.badge{display:inline-block;background:var(--gold);color:var(--navy);font:700 .75rem/1 "Segoe UI",sans-serif;padding:5px 9px;border-radius:20px;vertical-align:middle}
.tick{list-style:none;padding:0;columns:2 280px}.tick li{padding-left:28px;position:relative;margin:6px 0}.tick li:before{content:"";position:absolute;left:4px;top:.5em;width:9px;height:9px;background:var(--gold);border-radius:50%}
.card .tick{columns:1}
.steps{padding-left:1.3em;max-width:60ch}.steps li{margin:8px 0;padding-left:6px}
.band{background:var(--navy);color:var(--white);padding:64px 0;text-align:center}.band h2{color:var(--white)}
.note{font-size:.9rem;color:#4a5578}
.tw{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:620px;background:var(--white)}
th,td{border:1px solid #dde1ec;padding:12px;text-align:left;vertical-align:top}thead th{background:var(--navy);color:var(--white)}tbody th{background:var(--soft)}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:40px}.socs a{margin-right:12px}
.wa{position:fixed;right:16px;bottom:16px;background:#25D366;color:#073b1d;font-weight:700;padding:12px 18px;border-radius:30px;text-decoration:none;z-index:60;box-shadow:0 4px 14px rgba(0,0,0,.3)}
.ft{background:var(--navy);color:#d7dcec;padding:56px 0 20px}.ft a{display:block;color:#d7dcec;text-decoration:none;margin:6px 0;font-size:.92rem}.ft a:hover{color:var(--gold)}
.ft h4{color:var(--gold);font-size:1rem}.fg{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:32px}
.fb{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;border-top:1px solid #234070;margin-top:32px;padding-top:16px;font-size:.88rem}.fb a{display:inline}
@media(max-width:900px){.burger{display:block}nav{display:none;width:100%;flex-direction:column;align-items:flex-start;padding:12px 0}nav.open{display:flex}.hdin{flex-wrap:wrap}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
.fh{font-family:Georgia,"Times New Roman",serif;color:var(--gold);font-size:1rem;margin:0 0 .5em}
.notice{background:var(--soft);border-left:5px solid var(--gold);padding:16px 20px;border-radius:4px}
.hero .btns .btn.gold,.band .btn.gold{margin-top:10px}
.card .btn{margin-top:12px}