:root{
  --navy:#0b4668;
  --navy-deep:#092f48;
  --gold:#a87c34;
  --gold-soft:#d8c39b;
  --ivory:#fbfaf6;
  --paper:#ffffff;
  --ink:#20272d;
  --muted:#66717a;
  --line:#e5dfd3;
  --shadow:0 14px 40px rgba(9,47,72,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: Georgia, 'Times New Roman', serif;
  color:var(--ink);
  background:var(--ivory);
  line-height:1.62;
}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:#07283d}
.wrap{width:min(1120px,calc(100% - 34px));margin:auto}
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.brandbar{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:18px 0}
.brand{display:flex;align-items:center;gap:18px;text-decoration:none;color:inherit}
.brand img{width:82px;height:82px;object-fit:contain}
.brand-copy strong{display:block;font-size:1.45rem;color:var(--navy-deep);font-weight:500;letter-spacing:.01em}
.brand-copy span{display:block;color:var(--gold);font-size:.76rem;letter-spacing:.19em;text-transform:uppercase;margin-top:2px}
nav{display:flex;gap:22px;flex-wrap:wrap;justify-content:flex-end}
nav a{text-decoration:none;color:#34424b;font-size:.96rem}
nav a[aria-current='page']{color:var(--navy-deep);border-bottom:2px solid var(--gold);padding-bottom:4px}
.hero{padding:78px 0 64px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,#fff,var(--ivory))}
.eyebrow{font-family:Arial,sans-serif;text-transform:uppercase;letter-spacing:.18em;font-size:.74rem;font-weight:700;color:var(--gold);margin-bottom:16px}
h1,h2,h3{font-weight:500;line-height:1.15;color:var(--navy-deep);margin-top:0}
h1{font-size:clamp(2.5rem,6vw,5rem);max-width:850px;margin-bottom:20px;letter-spacing:-.025em}
h2{font-size:clamp(1.8rem,4vw,2.75rem);margin-bottom:16px}
h3{font-size:1.28rem;margin-bottom:10px}
.lede{font-size:1.26rem;max-width:780px;color:#3d4850;margin:0 0 30px}
.rule{width:74px;height:2px;background:var(--gold);margin:0 0 25px}
.btns{display:flex;gap:13px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;padding:12px 19px;border:1px solid var(--navy-deep);text-decoration:none;font-family:Arial,sans-serif;font-size:.9rem;letter-spacing:.03em;border-radius:2px;background:var(--navy-deep);color:#fff}
.btn:hover{background:#061f30;color:#fff}
.btn.secondary{background:transparent;color:var(--navy-deep);border-color:var(--gold)}
section{padding:62px 0}
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);padding:28px 26px;box-shadow:var(--shadow)}
.card p{margin-bottom:0;color:#505c64}
.callout{background:var(--navy-deep);color:white;padding:38px 40px;border-left:5px solid var(--gold);margin:28px 0}
.callout h2,.callout h3{color:white}.callout p{margin-bottom:0;color:#eef4f7}
.split{display:grid;grid-template-columns:1.2fr .8fr;gap:38px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);padding:30px}
.kicker{font-family:Arial,sans-serif;color:var(--muted);font-size:.88rem}
.list-clean{padding-left:1.2rem}.list-clean li{margin-bottom:10px}
.docs{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:24px}
.doc{background:#fff;border:1px solid var(--line);padding:20px;text-decoration:none;display:block}
.doc strong{display:block;color:var(--navy-deep);font-size:1.05rem;margin-bottom:6px}
.doc span{color:var(--muted);font-family:Arial,sans-serif;font-size:.86rem}
.meta{font-family:Arial,sans-serif;color:var(--muted);font-size:.86rem}
.note{font-size:.93rem;color:var(--muted);border-top:1px solid var(--line);padding-top:15px;margin-top:28px}
footer{border-top:1px solid var(--line);background:#fff;padding:30px 0 40px;color:#58636a}
.footer-row{display:flex;justify-content:space-between;gap:24px;align-items:flex-end}
.footer-brand{color:var(--navy-deep);font-size:1.05rem}
.footer-contact{text-align:right;font-family:Arial,sans-serif;font-size:.9rem}
.smallcaps{font-family:Arial,sans-serif;text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;color:var(--gold);font-weight:700}
@media(max-width:850px){
  .brandbar{align-items:flex-start;flex-direction:column}.brand img{width:68px;height:68px}nav{justify-content:flex-start}
  .grid{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.docs{grid-template-columns:1fr}
}
@media(max-width:560px){
  .wrap{width:min(100% - 24px,1120px)}.hero{padding:48px 0 42px}section{padding:45px 0}.grid{grid-template-columns:1fr}
  .brand-copy strong{font-size:1.16rem}.brand-copy span{font-size:.64rem}.footer-row{align-items:flex-start;flex-direction:column}.footer-contact{text-align:left}
  .callout{padding:27px 25px}
}