:root{--navy:#12305B;--navy2:#0B2244;--gold:#F2B928;--gold2:#E0A616;--ink:#1A2233;--ink2:#2B3340;--mute:#4B5566;--rule:#D5DCE6;--gray:#F3F5F8}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:'Barlow','Franklin Gothic Medium','Helvetica Neue',Arial,sans-serif;font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:var(--navy);text-decoration:none}a:hover{color:#B8860B}
img{max-width:100%;display:block}
.hd{font-family:'Barlow Condensed','Arial Narrow',Impact,sans-serif;font-weight:700;text-transform:uppercase;letter-spacing:.01em;line-height:1}
.wrap{width:100%;max-width:1440px;margin:0 auto}
.pad{padding-left:64px;padding-right:64px}
.gold{background:var(--gold);color:var(--navy2);font-weight:700;text-transform:uppercase;letter-spacing:.04em;border-radius:3px;display:inline-flex;align-items:center;justify-content:center;min-height:56px;padding:14px 24px;border:0;cursor:pointer;line-height:1.2;text-align:center}
.gold:hover{background:var(--gold2);color:var(--navy2)}
.ghost{display:inline-flex;align-items:center;justify-content:center;min-height:56px;padding:14px 22px;border:2px solid #fff;color:#fff;font-weight:700;text-transform:uppercase;letter-spacing:.04em;border-radius:3px;line-height:1.2;text-align:center}
.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.site-header{background:var(--navy);color:#fff;border-bottom:4px solid var(--gold)}
.site-header .bar{height:96px;display:flex;align-items:center;gap:24px}
.brand{display:flex;align-items:center;gap:14px;color:#fff;flex:0 0 auto;white-space:nowrap}
.brand .name{font-size:32px;letter-spacing:.03em;color:#fff}
.brand .tag{display:block;font-size:12px;font-weight:700;letter-spacing:.16em;color:var(--gold);margin-top:5px}
.nav{display:flex;gap:18px;margin-left:0;font-size:15px;font-weight:600;white-space:nowrap}
.nav a{color:#fff;position:relative;padding:6px 0}
.nav a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .22s ease}
.nav a:hover::after,.nav a[aria-current="page"]::after{transform:scaleX(1)}
.nav a:hover{color:#fff}
.nav a[aria-current="page"]{color:var(--gold)}
.phone{font-size:28px;letter-spacing:.02em;color:var(--gold);white-space:nowrap}
.phone:hover{color:#fff}
.grow{flex-grow:1}
.menu-btn{display:none;width:48px;height:48px;flex-direction:column;justify-content:center;align-items:center;gap:6px;background:transparent;border:2px solid rgba(255,255,255,.35);border-radius:3px;padding:0;cursor:pointer;margin-left:6px}
.menu-btn span{display:block;width:22px;height:3px;background:#fff;transition:transform .2s,opacity .2s}
.menu-btn.open span:nth-child(1){transform:translateY(9px) rotate(45deg)}.menu-btn.open span:nth-child(2){opacity:0}.menu-btn.open span:nth-child(3){transform:translateY(-9px) rotate(-45deg)}
.menu{display:none;flex-direction:column;background:var(--navy2);border-top:1px solid rgba(255,255,255,.12);padding:8px 24px 20px}
.menu:not([hidden]){display:flex}
.menu a{color:#fff;font-size:20px;font-weight:600;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.menu a[aria-current="page"]{color:var(--gold)}
.menu a.gold{border:0;margin-top:16px;color:var(--navy2)}
.site-header .gold{min-height:52px;padding:0 22px;font-size:15px;white-space:nowrap}.site-header .bar .gold{flex:0 0 auto}
.page-hero{background:var(--navy);color:#fff;display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;align-items:center}
.page-hero .txt{grid-column:1/span 7;padding:80px 0 72px}
.page-hero.noimg .txt{grid-column:1/span 9}
.page-hero .eyebrow{font-size:14px;font-weight:700;letter-spacing:.18em;color:var(--gold);margin:0 0 22px}
.page-hero h1{margin:0;font-size:64px;line-height:.98;color:#fff;text-wrap:balance}
.page-hero .lead{margin:24px 0 0;font-size:21px;line-height:1.5;color:#DCE4F0;max-width:720px}
.page-hero .ctas{display:flex;gap:16px;flex-wrap:wrap;margin-top:30px}
.page-hero .pic{grid-column:8/span 5;align-self:stretch;position:relative;min-height:420px;margin-right:-64px}
.page-hero .pic img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.article-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;padding-top:80px;padding-bottom:96px;align-items:start}
.article{grid-column:1/span 8;max-width:820px;font-size:19px;color:var(--ink2)}
.article.wide{grid-column:1/span 12;max-width:880px}
.article > :first-child{margin-top:0}
.article h1{display:none}
.article h2{font-family:'Barlow Condensed','Arial Narrow',Impact,sans-serif;font-weight:700;text-transform:uppercase;letter-spacing:.01em;line-height:1.02;font-size:42px;color:var(--navy);margin:56px 0 18px;padding-top:26px;border-top:3px solid var(--navy)}
.article h3{font-size:24px;font-weight:700;color:var(--navy);margin:34px 0 10px;line-height:1.25}
.article p{margin:0 0 18px}
.article ul,.article ol{margin:0 0 20px;padding-left:26px}
.article li{margin:6px 0}
.article li::marker{color:#B8860B;font-weight:700}
.article strong{color:var(--ink)}
.article a{text-decoration:underline;text-underline-offset:3px;text-decoration-color:#C9B26B}
.article a.btn{text-decoration:none;display:inline-flex;margin:8px 0 26px}
.article table{width:100%;border-collapse:collapse;font-size:16px;margin:18px 0 28px;border:1px solid #C8D0DC}
.article th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px;font-weight:700;vertical-align:top}
.article td{padding:12px 14px;border-bottom:1px solid #E3E8EF;vertical-align:top}
.article tr:nth-child(even) td{background:#F7F8FA}
.article .summary{background:var(--gray);border-top:6px solid var(--gold);padding:26px 30px 8px;margin:0 0 30px}
.article .summary h2{border:0;padding:0;margin:0 0 14px;font-size:30px}
.article .summary li{font-size:19px;margin:8px 0}
.article .fine{font-size:15px;color:var(--mute);border-left:0;padding:14px 0 0;border-top:1px solid var(--rule)}
.article .cta-note{font-size:15px;color:var(--mute)}
.side{grid-column:9/span 4;position:sticky;top:24px;display:flex;flex-direction:column;gap:20px}
.card{background:var(--navy);color:#fff;padding:28px 28px 26px;border-radius:3px;display:flex;flex-direction:column;gap:14px}
.card h3{margin:0;font-size:28px;color:#fff}
.card p{margin:0;font-size:16px;color:#DCE4F0}
.card .gold{width:100%}
.card .phone{font-size:30px}
.card small{font-size:13px;color:#B8C4D8;line-height:1.45}
.guides{border:1px solid var(--rule);padding:22px 24px;border-radius:3px}
.guides h4{margin:0 0 12px;font-size:14px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--mute)}
.guides a{display:block;padding:9px 0;border-top:1px solid var(--rule);font-weight:600;font-size:16px}
.guides a:first-of-type{border-top:0}
.close{background:var(--navy);color:#fff;display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;align-items:center;padding-top:88px;padding-bottom:88px}
.close .txt{grid-column:1/span 8}
.close h2{margin:0;font-size:56px;line-height:.98;color:#fff;max-width:900px}
.close p{margin:18px 0 0;font-size:20px;color:#DCE4F0;max-width:760px}
.close .act{grid-column:9/span 4;display:flex;flex-direction:column;gap:12px}
.close .act .phone{text-align:center;font-size:34px}
.form{background:#fff;color:var(--ink);padding:34px 36px 30px;border-radius:3px;display:flex;flex-direction:column;gap:16px}
.form label{display:flex;flex-direction:column;gap:5px;font-size:15px;font-weight:600}
.form input,.form select,.form textarea{height:50px;padding:0 12px;border:1.5px solid #B9C2D0;border-radius:3px;font-size:17px;font-family:inherit;background:#fff;color:var(--ink)}
.form textarea{height:auto;padding:10px 12px;resize:vertical}
.form .two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.form small{font-size:13px;line-height:1.45;color:var(--mute)}
.site-footer{background:var(--navy2);color:#C9D3E3;padding-top:56px;padding-bottom:40px}
.site-footer .cols{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:24px}
.site-footer .c1{grid-column:1/span 4;display:flex;flex-direction:column;gap:12px}
.site-footer .c2{grid-column:6/span 2}.site-footer .c3{grid-column:8/span 2}.site-footer .c4{grid-column:10/span 3}
.site-footer .col{display:flex;flex-direction:column;gap:10px;font-size:16px}
.site-footer .col span{font-weight:700;color:#fff}
.site-footer .col a{color:#C9D3E3}.site-footer .col a:hover{color:var(--gold)}
.site-footer .legal{margin:40px 0 0;padding-top:24px;border-top:1px solid rgba(201,211,227,.2);font-size:14px;color:#8FA0BB;max-width:980px}
.posts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 64px;border-top:3px solid var(--navy)}
.posts a{display:flex;justify-content:space-between;gap:24px;padding:22px 12px;margin:0 -12px;border-bottom:1px solid #C8D0DC}
.posts a:hover{background:#fff}
.posts .t{font-size:24px;font-weight:700;color:var(--navy);display:block}
.posts .d{font-size:16px;color:var(--mute);line-height:1.5;display:block;margin-top:4px}
.posts .arr{font-size:28px;color:#B8860B;line-height:1}
@media (max-width:1500px){.site-header .bar .gold{display:none}}
@media (max-width:1250px){.nav{display:none}.menu-btn{display:flex}}
@media (max-width:1100px){
  .pad{padding-left:24px;padding-right:24px}
  .site-header .bar{height:auto;padding-top:10px;padding-bottom:10px;flex-wrap:wrap;gap:12px}
  .brand .tag{display:none}.brand .name{font-size:24px}
  .site-header .bar .gold{display:none}.grow{display:none}.phone{font-size:22px}
  .page-hero{grid-template-columns:1fr}.page-hero .txt,.page-hero.noimg .txt{grid-column:auto;padding:48px 0 40px}
  .page-hero h1{font-size:44px}.page-hero .pic{grid-column:auto;margin-right:-24px;margin-left:-24px;min-height:320px}
  .article-grid{grid-template-columns:1fr;padding-top:40px}.article,.article.wide{grid-column:auto}.side{grid-column:auto;position:static}
  .article h2{font-size:34px}
  .close{grid-template-columns:1fr;row-gap:28px}.close .txt,.close .act{grid-column:auto}.close h2{font-size:40px}
  .site-footer .cols{grid-template-columns:1fr}.site-footer .c1,.site-footer .c2,.site-footer .c3,.site-footer .c4{grid-column:auto}
  .posts{grid-template-columns:1fr}
  .gold,.ghost{width:100%}
}
@media (max-width:600px){.brand .name{font-size:20px}.phone{font-size:20px}.form .two{grid-template-columns:1fr}.article table{display:block;overflow-x:auto}}