:root{--navy:#10243e;--navy2:#193652;--gold:#b88a3b;--cream:#f7f3eb;--ink:#1d2730;--muted:#5d6872;--line:#d9d7d0;--white:#fff;--max:1160px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.65;background:#fff}a{color:#174e7a;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#8a6225}.wrap{width:min(calc(100% - 40px),var(--max));margin:auto}.narrow{max-width:820px}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:15px;top:15px;background:#fff;padding:10px;z-index:20}.topbar{background:#091827;color:#dce5ec;font-size:.86rem}.topbar .wrap{display:flex;justify-content:flex-end;gap:15px;padding:7px 0}.topbar a{color:#fff}.masthead{display:flex;align-items:center;gap:28px;min-height:92px}.brand{display:flex;flex-direction:column;color:var(--navy);text-decoration:none;line-height:1;min-width:145px}.brand span{font-family:Georgia,serif;font-size:1.9rem;letter-spacing:.12em}.brand small{font-size:.68rem;letter-spacing:.17em;text-transform:uppercase;margin-top:7px}.masthead nav{display:flex;align-items:center;gap:20px;flex:1}.masthead nav a{color:#263747;text-decoration:none;font-size:.88rem}.masthead nav a:hover{color:#8a6225}.button{display:inline-block;background:var(--gold);color:#101923;text-decoration:none;font-weight:700;padding:13px 19px;border-radius:3px}.button:hover{background:#9d722d;color:#fff}.button.small{padding:10px 14px;font-size:.88rem}.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:80px 0}.hero-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(270px,.65fr);gap:70px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-weight:700;font-size:.78rem;color:var(--gold);margin:0 0 12px}.hero h1{font-family:Georgia,serif;font-size:clamp(2.3rem,5vw,4.4rem);line-height:1.06;letter-spacing:-.03em;margin:0 0 22px;max-width:900px}.lede{font-size:1.2rem;max-width:760px;color:#e2e9ef}.actions{display:flex;align-items:center;gap:24px;margin-top:28px;flex-wrap:wrap}.hero .text-link{color:#fff}.hero-note{border:1px solid rgba(255,255,255,.25);padding:28px;display:flex;flex-direction:column;gap:8px;background:rgba(255,255,255,.06)}.hero-note strong{font-family:Georgia,serif;font-size:1.4rem;margin-bottom:8px}.hero-note span:before{content:'✓';color:#d9b467;margin-right:9px}.hero-note small{border-top:1px solid rgba(255,255,255,.2);margin-top:12px;padding-top:14px;color:#ccd5dd}.content,.faq-section,.related,.band{padding:76px 0}.content h2,.faq-section h2,.related h2,.band h2,.cta h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.2;margin:0 0 20px}.content h3{font-family:Georgia,serif;color:var(--navy);font-size:1.45rem}.content p{max-width:820px}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:65px;align-items:start}.panel,.notice{background:var(--cream);border-left:5px solid var(--gold);padding:32px}.panel h2{font-size:2rem}.disclosure,.source-note{font-size:.88rem;color:var(--muted)}.band{background:#f4f6f7}.three,.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.three>div{border-top:3px solid var(--gold);background:#fff;padding:25px}.three strong{color:var(--navy);font-family:Georgia,serif;font-size:1.2rem}.related{background:var(--cream)}.card-grid{grid-template-columns:repeat(5,1fr)}.card{display:flex;flex-direction:column;gap:8px;background:#fff;padding:22px;text-decoration:none;color:var(--ink);border:1px solid #e2ded5}.card:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(16,36,62,.09)}.card strong{color:var(--navy);font-family:Georgia,serif;font-size:1.12rem}.card span{font-size:.9rem;color:var(--muted)}.compare{display:grid;grid-template-columns:1fr 1fr;gap:25px;margin:28px 0}.compare>div{border:1px solid var(--line);padding:30px}.compare .accent-panel{background:var(--navy);color:#fff;border-color:var(--navy)}.compare .accent-panel h2,.compare .accent-panel h3{color:#fff}.checklist{padding:0;list-style:none}.checklist li{position:relative;padding:8px 0 8px 30px}.checklist li:before{content:'✓';position:absolute;left:0;color:#8a6225;font-weight:700}.steps{padding-left:22px}.steps li{padding:8px 0 8px 8px}.table-wrap{overflow-x:auto;margin:28px 0 45px}table{width:100%;border-collapse:collapse;min-width:700px}th,td{text-align:left;vertical-align:top;border:1px solid var(--line);padding:16px}th{background:var(--navy);color:#fff}tr:nth-child(even) td{background:#f6f7f7}.faq-section{background:#f5f6f7}.faq-list details{background:#fff;border:1px solid var(--line);margin:12px 0}.faq-list summary{cursor:pointer;padding:20px 52px 20px 22px;font-weight:700;color:var(--navy);position:relative}.faq-list summary:after{content:'+';position:absolute;right:22px;font-size:1.4rem}.faq-list details[open] summary:after{content:'–'}.faq-list details div{padding:0 22px 22px}.cta{background:var(--gold);padding:50px 0}.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px}.cta .eyebrow{color:#34240d}.cta h2{margin:0;max-width:780px}.button.light{background:#fff;color:var(--navy)}footer{background:#091827;color:#c9d1d8;padding:55px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:45px}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid strong{color:#fff}.footer-grid a{color:#dce6ec}.footer-brand span,.footer-brand small{color:#fff}.fineprint{border-top:1px solid #2b3947;margin-top:35px;padding-top:20px;display:flex;justify-content:space-between;gap:25px;font-size:.78rem;color:#9faab3}
@media(max-width:1000px){.masthead{align-items:flex-start;padding:20px 0;flex-wrap:wrap}.masthead nav{order:3;flex-basis:100%;flex-wrap:wrap}.card-grid{grid-template-columns:repeat(2,1fr)}.hero-grid{grid-template-columns:1fr;gap:35px}.hero-note{max-width:600px}.three{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.wrap{width:min(calc(100% - 28px),var(--max))}.topbar .wrap{justify-content:center}.masthead .button.small{display:none}.masthead nav{gap:8px 16px}.masthead nav a{font-size:.82rem}.hero{padding:55px 0}.hero h1{font-size:2.55rem}.split,.compare,.three,.card-grid,.footer-grid{grid-template-columns:1fr}.content,.faq-section,.related,.band{padding:55px 0}.cta .wrap,.fineprint{align-items:flex-start;flex-direction:column}.footer-grid{gap:30px}}