:root{--navy:#071b35;--navy2:#102b4c;--gold:#d9ad4f;--gold2:#f2d78e;--ink:#172334;--muted:#637083;--paper:#fbfaf6;--white:#fff;--line:#e8e2d4;--green:#2f725b}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6}
a{color:inherit}.wrap{width:min(1120px,92%);margin:auto}.topbar{background:var(--navy);color:#fff;font-size:.86rem;padding:8px 0}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}.brandrow{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;font-weight:800;color:var(--navy);letter-spacing:.04em}.logo{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold2);border:2px solid var(--gold);font-family:Georgia,serif;font-weight:bold;font-size:1.05rem}.brand small{display:block;font-size:.65rem;color:var(--muted);letter-spacing:.12em;font-weight:600}.navlinks{display:flex;gap:17px;align-items:center;flex-wrap:wrap}.navlinks a{text-decoration:none;font-size:.91rem;font-weight:700;color:#25364a}.navlinks a:hover,.navlinks a.active{color:#a4771e}.menu{display:none;border:1px solid var(--line);background:#fff;padding:8px 11px;border-radius:8px}
.hero{background:linear-gradient(115deg,rgba(7,27,53,.98),rgba(16,43,76,.94));color:#fff;padding:78px 0 72px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:430px;height:430px;border:1px solid rgba(242,215,142,.22);border-radius:50%;right:-120px;top:-170px;box-shadow:0 0 0 35px rgba(242,215,142,.04),0 0 0 75px rgba(242,215,142,.03)}.hero-inner{position:relative;z-index:1;max-width:760px}.eyebrow{color:var(--gold2);font-size:.78rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase}.hero h1{font-family:Georgia,serif;font-size:clamp(2.5rem,6vw,4.6rem);line-height:1.06;margin:15px 0}.hero p{font-size:1.12rem;color:#e1e8f1;max-width:650px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-block;text-decoration:none;border-radius:7px;padding:12px 19px;font-weight:800;border:1px solid var(--gold);background:var(--gold);color:var(--navy)}.btn.secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}.btn.light{background:#fff;color:var(--navy);border-color:#fff}.section{padding:62px 0}.section.alt{background:#f1eee6}.section.dark{background:var(--navy);color:#fff}.section h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(1.8rem,4vw,2.7rem);line-height:1.15;margin:0 0 12px}.section.dark h2{color:#fff}.lead{max-width:720px;color:var(--muted);font-size:1.05rem}.dark .lead{color:#d8e1ec}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:23px;box-shadow:0 8px 24px rgba(16,35,58,.045)}.card h3{margin:9px 0 7px;color:var(--navy);font-size:1.15rem}.card p{margin:0;color:var(--muted)}.icon{width:42px;height:42px;border-radius:10px;background:#f8f0dc;color:#8b671c;display:grid;place-items:center;font-size:1.25rem;font-weight:bold}.pill{display:inline-block;padding:5px 10px;border-radius:30px;background:#f8f0dc;color:#775718;font-size:.75rem;font-weight:800}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:42px;align-items:center}.feature-panel{background:linear-gradient(145deg,#102b4c,#071b35);border-radius:18px;color:#fff;padding:30px;border:1px solid rgba(217,173,79,.55)}.feature-panel h3{font-family:Georgia,serif;font-size:1.6rem;color:var(--gold2);margin-top:0}.feature-panel li{margin:9px 0;color:#e1e8f1}.quote{font-family:Georgia,serif;font-size:1.5rem;color:var(--navy);border-left:4px solid var(--gold);padding:6px 0 6px 20px;margin:25px 0}.pagehero{background:var(--navy);color:#fff;padding:48px 0}.pagehero h1{font:clamp(2.1rem,5vw,3.2rem) Georgia,serif;margin:8px 0}.pagehero p{color:#d8e1ec;max-width:700px;margin:0}.steps{counter-reset:step;list-style:none;padding:0;margin:24px 0}.steps li{counter-increment:step;padding:15px 15px 15px 58px;position:relative;border-bottom:1px solid var(--line)}.steps li:before{content:counter(step);position:absolute;left:5px;top:13px;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold2);font-weight:bold}.notice{border-left:4px solid var(--gold);background:#fff8e8;padding:16px 18px;border-radius:7px;color:#604b1f;margin:20px 0}.certificate{max-width:780px;margin:28px auto;background:#fffdf7;border:8px double #b58b35;padding:36px;text-align:center;box-shadow:0 15px 40px rgba(0,0,0,.08)}.certificate .seal{width:66px;height:66px;border:2px solid #b58b35;border-radius:50%;display:grid;place-items:center;color:#9b7426;font: bold 1.2rem Georgia,serif;margin:0 auto 14px}.certificate h2{font:2rem Georgia,serif;color:var(--navy);margin:6px}.certificate h3{font:1.45rem Georgia,serif;color:#9b7426;margin:15px}.certificate p{color:#4d5661}.footer{background:#06172d;color:#d7e0eb;padding:38px 0 20px}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.footer a{color:#e7c978;text-decoration:none;display:block;margin:6px 0}.footer small{color:#aebdce}.footerbottom{border-top:1px solid #29405b;margin-top:25px;padding-top:16px;font-size:.82rem;color:#aebdce}.muted{color:var(--muted)}.small{font-size:.86rem}
@media(max-width:800px){.nav{align-items:flex-start}.menu{display:block}.navlinks{display:none;width:100%;padding:10px 0 4px}.navlinks.open{display:flex;flex-direction:column;align-items:flex-start}.nav{flex-wrap:wrap}.navlinks a{padding:4px 0}.grid{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.footergrid{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.grid,.grid.two{grid-template-columns:1fr}.hero{padding:58px 0}.footergrid{grid-template-columns:1fr}.certificate{padding:20px 13px;border-width:5px}.certificate h2{font-size:1.5rem}}

.policy-links{display:flex;gap:18px;flex-wrap:wrap;margin:18px 0 4px;padding-top:12px;border-top:1px solid #29405b}.policy-links a{color:#e7c978;text-decoration:none;font-size:.88rem}.policy-links a:hover{text-decoration:underline}