:root{--navy:#0b1f4b;--navy2:#13306e;--red:#c8102e;--red2:#a30d25;--ink:#1b2230;--muted:#5a6475;--bg:#fff;--alt:#f3f5f9;--line:#dde2ec}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--navy2)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.center{text-align:center}
.spaced{margin-top:32px}
.small{font-size:.85rem;color:var(--muted)}
.site-header{background:var(--navy);border-bottom:4px solid var(--red)}
.header-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px 24px;padding-top:14px;padding-bottom:14px}
.brand{text-decoration:none;color:#fff;display:flex;flex-direction:column;line-height:1.15}
.brand-name{font-family:Georgia,"Times New Roman",serif;font-size:1.6rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase}
.brand-name em{color:#fff;font-style:italic}
.brand-tag{font-size:.68rem;letter-spacing:2px;text-transform:uppercase;color:#c9d3ea}
.nav{display:flex;flex-wrap:wrap;gap:4px 18px}
.nav a{color:#fff;text-decoration:none;font-size:.95rem;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current]{border-bottom-color:var(--red)}
.nav .cta-nav{background:var(--red);padding:6px 14px;border-radius:4px;border-bottom:0}
.nav .cta-nav:hover{background:var(--red2)}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:72px 0 64px}
.hero h1{font-family:Georgia,serif;font-size:2.5rem;line-height:1.15;margin:0 0 16px;max-width:760px}
.lead{font-size:1.15rem;max-width:720px}
.hero .lead{color:#dfe6f5}
.page-head{background:var(--navy);color:#fff;padding:44px 0 36px;border-bottom:4px solid var(--red)}
.page-head h1{font-family:Georgia,serif;font-size:2.1rem;line-height:1.2;margin:0 0 10px}
.page-head .lead{color:#dfe6f5;margin:0}
.page-head a{color:#fff}
.section{padding:56px 0}
.section.alt{background:var(--alt)}
h2{font-family:Georgia,serif;color:var(--navy);font-size:1.6rem;margin:1.6em 0 .5em}
h3{color:var(--navy);margin:0 0 6px;font-size:1.1rem}
.grid{display:grid;gap:20px;margin-top:24px}
.grid.three{grid-template-columns:repeat(3,1fr)}
.grid.four{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--red);border-radius:6px;padding:20px}
.card p{margin:0}
.btn{display:inline-block;background:var(--red);color:#fff;text-decoration:none;font-weight:600;padding:13px 26px;border-radius:5px;border:2px solid var(--red);cursor:pointer;font-size:1rem}
.btn:hover{background:var(--red2);border-color:var(--red2)}
.btn-outline-light{background:transparent;border-color:#fff;color:#fff}
.btn-outline-light:hover{background:#fff;color:var(--navy);border-color:#fff}
.band{background:var(--navy);color:#fff;padding:52px 0}
.band h2{color:#fff;margin-top:0}
.checks{list-style:none;padding:0}
.checks li{padding:6px 0 6px 28px;position:relative}
.checks li:before{content:"\2713";position:absolute;left:0;color:var(--red);font-weight:700}
.steps{padding-left:22px}
.steps li{margin-bottom:14px}
details{border:1px solid var(--line);border-radius:6px;padding:14px 18px;margin-bottom:12px;background:#fff}
summary{cursor:pointer;font-weight:600;color:var(--navy)}
details p{margin:10px 0 0}
.two-col{display:grid;grid-template-columns:2fr 1fr;gap:32px;align-items:start}
.form label{display:block;font-weight:600;margin-bottom:14px;color:var(--navy)}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid #b9c2d3;border-radius:5px;font:inherit}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--navy2);border-color:var(--navy2)}
.site-footer{background:#08163a;color:#c9d3ea;padding:36px 0;font-size:.92rem}
.site-footer a{color:#fff}
.footer-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.footer-brand{font-family:Georgia,serif;font-size:1.2rem;color:#fff;text-transform:uppercase;margin:0 0 6px}
.logos{display:flex;gap:18px;align-items:center;background:#fff;border-radius:6px;padding:10px 16px;width:max-content;max-width:100%}.logos img{display:block;height:56px;width:auto}
.badge{display:inline-block;border:1px solid #6f80ad;border-radius:4px;padding:3px 8px;margin:0 6px 6px 0;font-size:.8rem}
@media(max-width:860px){.grid.three,.grid.four{grid-template-columns:1fr 1fr}.two-col{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr}.hero h1{font-size:2rem}}
@media(max-width:560px){.grid.three,.grid.four{grid-template-columns:1fr}body{font-size:16px}.brand-name{font-size:1.3rem}}