:root{--navy:#0F2A4A;--navy-2:#173A63;--gold:#C9A227;--gold-dark:#8A6D14;--ink:#1A2433;--muted:#4A5568;--line:#E3E7ED;--bg:#FFFFFF;--bg-soft:#F5F7FA}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
header.site{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0;flex-wrap:wrap}
.logo{font-size:22px;font-weight:700;color:var(--navy);letter-spacing:-.3px}.logo b{color:var(--gold);font-weight:700}
nav.menu{display:flex;gap:18px;flex-wrap:wrap;font-size:15px}
.btn{display:inline-block;background:var(--gold);color:#2A2205;font-weight:600;padding:12px 22px;border-radius:6px;border:0;font-size:16px;cursor:pointer}
.btn:hover{background:#B8931F;text-decoration:none}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{background:transparent;border:1.5px solid var(--navy);color:var(--navy)}
.hero{background:var(--navy);color:#fff;padding:56px 0}
.hero h1{font-size:38px;line-height:1.2;margin-bottom:14px;letter-spacing:-.5px}
.hero p.lede{font-size:19px;color:#C9D4E3;max-width:640px;margin-bottom:24px}
.hero .phone{color:#E7EBF1;margin-left:14px;font-size:16px}
.trustline{font-size:13.5px;color:#93A6BE;margin-top:14px}
.trustbar{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:14px 0}
.trustbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:15px;color:var(--navy)}
.trustbar b{font-weight:700}
main{padding:40px 0}
h2{font-size:27px;color:var(--navy);margin:36px 0 12px;letter-spacing:-.3px}
h3{font-size:20px;color:var(--navy);margin:24px 0 8px}
p{margin-bottom:14px}
ul,ol{margin:0 0 16px 26px}li{margin-bottom:8px}
table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15.5px}
th{background:var(--navy);color:#fff;text-align:left;padding:11px 14px;font-weight:600}
td{padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
tr:nth-child(even) td{background:var(--bg-soft)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:22px 0}
.card{border:1px solid var(--line);border-radius:10px;padding:20px}
.card h3{margin-top:0}.card p{font-size:15px;color:var(--muted);margin-bottom:10px}
.card a.more{font-weight:600;font-size:15px}
.faq{border-top:1px solid var(--line);margin-top:8px}
.faq h3{margin:22px 0 6px}
.cta-band{background:var(--navy);color:#fff;border-radius:12px;padding:36px;text-align:center;margin:44px 0 10px}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#C9D4E3}
.disclosure{font-size:13.5px;color:#6B7686;background:var(--bg-soft);border-left:3px solid var(--gold);padding:10px 14px;margin:20px 0}
.updated{font-size:13.5px;color:#8A94A3;margin:6px 0 18px}
.checklist{list-style:none;margin-left:0}
.checklist li{padding-left:28px;position:relative}
.checklist li:before{content:"\2713";position:absolute;left:0;color:var(--gold-dark);font-weight:700}
footer.site{background:#0B2039;color:#AEBDD1;font-size:14px;padding:36px 0;margin-top:48px}
footer.site a{color:#D8E1EC}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px;margin-bottom:22px}
footer.site h4{color:#fff;font-size:15px;margin-bottom:10px}
footer.site ul{list-style:none;margin:0}footer.site li{margin-bottom:6px}
.finetext{font-size:12.5px;color:#7E90A8;border-top:1px solid #1E3A5C;padding-top:16px;line-height:1.6}
.microcta{margin:10px 0 22px}
@media(max-width:760px){.hero h1{font-size:29px}footer.site .cols{grid-template-columns:1fr}.trustbar .wrap{justify-content:flex-start}}