:root{--navy:#0B2545;--ocean:#13315C;--teal:#1B998B;--sand:#EEF4ED;--gold:#C9A227;--gold2:#E3C567;--ink:#1c2533;--muted:#5b6778}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--ocean)}img{max-width:100%;display:block}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
header{position:sticky;top:0;z-index:50;background:rgba(11,37,69,.96);backdrop-filter:blur(8px);border-bottom:1px solid rgba(201,162,39,.25)}
.hbar{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}.brand img{width:46px;height:46px}
.brand b{font-family:Georgia,"Times New Roman",serif;letter-spacing:.06em;font-size:1.02rem;display:block;line-height:1.1}.brand small{color:var(--gold2);letter-spacing:.18em;font-size:.62rem;text-transform:uppercase}
nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0}nav a{color:#dfe7f1;text-decoration:none;padding:8px 12px;border-radius:6px;font-size:.93rem;font-weight:500}nav a:hover,nav a.on{color:var(--gold2)}
nav a.cta{background:var(--gold);color:var(--navy);font-weight:700;margin-left:6px}nav a.cta:hover{background:var(--gold2);color:var(--navy)}
.burger{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}
@media(max-width:900px){.burger{display:block}nav{position:absolute;top:72px;left:0;right:0;background:var(--navy);display:none;padding:12px 24px 20px}nav.open{display:block}nav ul{flex-direction:column}nav a.cta{margin:8px 0 0;display:inline-block}}
.hero{background:radial-gradient(1200px 500px at 80% -10%,rgba(27,153,139,.25),transparent),linear-gradient(160deg,var(--navy),var(--ocean));color:#fff;padding:96px 0 88px;position:relative;overflow:hidden}
.hero.sm{padding:64px 0 56px}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:60px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath d='M0 40 C 360 0 720 70 1080 30 S 1440 20 1440 20 V60 H0Z' fill='%23ffffff'/%3E%3C/svg%3E") center/100% 100% no-repeat}
.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:center}.hero-grid img{width:min(360px,100%);margin:auto;filter:drop-shadow(0 20px 40px rgba(0,0,0,.45))}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-grid img{width:220px}}
.eyebrow{color:var(--gold2);text-transform:uppercase;letter-spacing:.2em;font-size:.75rem;font-weight:700}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.2;color:var(--navy)}.hero h1{color:#fff;font-size:clamp(2rem,4.4vw,3.2rem);margin:.3em 0}
.hero p.lead{font-size:1.15rem;color:#d2dcea;max-width:640px}
h2{font-size:clamp(1.6rem,3vw,2.2rem);margin:.2em 0 .5em}h3{font-size:1.2rem;margin:.2em 0 .4em}
.btn{display:inline-block;padding:13px 24px;border-radius:8px;font-weight:700;text-decoration:none;transition:.2s}.btn.gold{background:var(--gold);color:var(--navy)}.btn.gold:hover{background:var(--gold2)}
.btn.line{border:1.5px solid rgba(255,255,255,.5);color:#fff;margin-left:10px}.btn.line:hover{border-color:var(--gold2);color:var(--gold2)}
.btn.navy{background:var(--navy);color:#fff}.btn.navy:hover{background:var(--ocean)}
section{padding:72px 0}section.alt{background:var(--sand)}
.grid{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}}@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid #e2e8f0;border-radius:14px;padding:28px;box-shadow:0 1px 2px rgba(11,37,69,.04);transition:.25s;position:relative}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(11,37,69,.12);border-color:rgba(201,162,39,.6)}
.card .ic{width:48px;height:48px;border-radius:12px;background:linear-gradient(140deg,var(--navy),var(--ocean));display:grid;place-items:center;margin-bottom:14px}.card .ic svg{width:26px;height:26px;stroke:var(--gold2);fill:none;stroke-width:1.7}
.card a.more{font-weight:700;text-decoration:none;color:var(--teal)}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:rgba(201,162,39,.15);color:#8a6d12;padding:3px 9px;border-radius:99px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:16px}.steps li{counter-increment:s;background:#fff;border-left:4px solid var(--gold);border-radius:10px;padding:18px 20px 18px 70px;position:relative;box-shadow:0 1px 3px rgba(0,0,0,.05)}
.steps li:before{content:counter(s);position:absolute;left:18px;top:16px;width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-weight:700}
ul.check{list-style:none;padding:0}ul.check li{padding:7px 0 7px 30px;position:relative}ul.check li:before{content:"";position:absolute;left:4px;top:15px;width:12px;height:7px;border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
table.spec{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 1px 3px rgba(0,0,0,.06)}table.spec th,table.spec td{text-align:left;padding:14px 18px;border-bottom:1px solid #e8edf3;vertical-align:top}table.spec th{background:var(--navy);color:var(--gold2);font-weight:600;width:30%}
.compliance{background:linear-gradient(160deg,var(--navy),var(--ocean));color:#e5ecf5;border-radius:18px;padding:40px}.compliance h2,.compliance h3{color:#fff}.compliance ul.check li:before{border-color:var(--gold2)}
.band{background:var(--navy);color:#fff;padding:56px 0;text-align:center}.band h2{color:#fff}.band p{color:#c8d3e3}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}.fact{background:#fff;border-radius:12px;padding:20px;border:1px solid #e2e8f0}.fact small{display:block;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;font-size:.7rem;font-weight:700}.fact b{color:var(--navy)}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:620px){form .row{grid-template-columns:1fr}}
label{font-weight:600;font-size:.9rem;display:block;margin:12px 0 6px}input,select,textarea{width:100%;padding:12px 14px;border:1px solid #cbd5e1;border-radius:8px;font:inherit}input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:transparent}
.note{font-size:.85rem;color:var(--muted)}
footer{background:#071a33;color:#aab7ca;padding:56px 0 28px;font-size:.92rem}footer a{color:#dbe4f0;text-decoration:none}footer a:hover{color:var(--gold2)}footer h4{color:var(--gold2);font-family:Georgia,serif;margin:0 0 12px;font-weight:400;letter-spacing:.05em}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:32px}@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}@media(max-width:520px){.fgrid{grid-template-columns:1fr}}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
.legal-line{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px;font-size:.8rem;color:#7f8ea5}
.prose{max-width:820px}.prose h2{margin-top:1.6em;font-size:1.5rem}
.wa{position:fixed;right:20px;bottom:20px;width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.25);z-index:60}.wa svg{width:30px;height:30px;fill:#fff}