:root{
  --navy:#09233f; --navy2:#173b61; --gold:#d8a83f; --gold2:#f0c65a;
  --ink:#10243b; --muted:#66758a; --white:#fff; --cream:#faf8f2;
  --line:#e4e7eb; --red:#c62828; --shadow:0 14px 35px rgba(9,35,63,.10);
}
*{box-sizing:border-box} html{scroll-behavior:smooth} body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}.top{background:var(--navy);color:#fff;text-align:right;padding:7px 5%;font-size:14px}.top a{color:var(--gold2);font-weight:700}
.nav{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:30px;padding:13px 5%;box-shadow:0 3px 14px rgba(0,0,0,.04)}
.brand{display:flex;align-items:center;gap:10px;min-width:240px}.brand img{width:240px;height:90px;object-fit:contain;object-position:left center}.brand small{display:block;color:var(--gold);letter-spacing:4px;font-size:9px;margin-top:-3px}
.navlinks{display:flex;gap:21px;align-items:center;justify-content:center;flex:1}.navlinks a{font-size:15px}.navlinks a:hover{color:#b78320}
.btn{display:inline-block;background:var(--gold);color:#101d2d;font-weight:800;padding:13px 21px;border-radius:6px;border:1px solid var(--gold);cursor:pointer}.btn:hover{background:var(--gold2)}
.btn.dark{background:var(--navy);color:#fff;border-color:var(--navy)}.btn.outline{background:transparent;color:var(--gold2);border-color:var(--gold2);margin-left:10px}
.wrap{width:min(1160px,90%);margin:auto}.hero{background:linear-gradient(120deg,var(--navy),#244d72);color:#fff;padding:90px 0 95px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-130px;top:-100px;width:430px;height:430px;border:18px solid rgba(216,168,63,.35);border-radius:50%}.eyebrow{color:var(--gold2);text-transform:uppercase;letter-spacing:3px;font-weight:800;font-size:13px;margin-bottom:12px}
h1,h2,h3{line-height:1.15;margin:0 0 18px}h1{font-family:Georgia,serif;font-size:clamp(45px,6vw,78px);max-width:760px}h2{font-family:Georgia,serif;font-size:clamp(34px,4vw,50px)}h3{font-size:23px}p{font-size:17px}.hero p{max-width:690px;font-size:19px;color:#eaf1f8}.hero .btn{margin-top:18px}
.section{padding:80px 0}.cream{background:var(--cream)}.center{text-align:center}.muted{color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:35px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:25px;margin-top:35px}.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:30px;box-shadow:var(--shadow);text-align:left}.symbol{font-size:34px;color:var(--gold);font-weight:800}.card p{color:var(--muted)}
.navy{background:var(--navy);color:#fff}.band{background:#f2f5f8}.band .card{box-shadow:none}.callout{border-left:5px solid var(--gold);padding:20px 25px;background:#fff;border-radius:8px;text-align:left;box-shadow:var(--shadow)}
.form{display:flex;max-width:680px;margin:25px auto 10px;gap:10px}.form input,.form select,.form textarea{width:100%;padding:14px 15px;border:1px solid #cbd3dc;border-radius:6px;font:inherit}.form textarea{min-height:150px}.notice{font-size:14px;color:#cfd9e5}
.table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--shadow);margin-top:30px}.table th,.table td{padding:15px;border-bottom:1px solid var(--line);text-align:left}.table th{background:var(--navy);color:#fff}.badge{display:inline-block;background:#edf4fb;color:var(--navy);padding:5px 9px;border-radius:99px;font-size:12px;font-weight:700}
.footer{background:#071a2e;color:#dce5ee;padding:55px 0 25px}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:45px}.footer a{display:block;margin:7px 0}.footnote{border-top:1px solid rgba(255,255,255,.15);margin-top:35px;padding-top:18px;font-size:13px;color:#9fb0c2}
.mobile-note{display:none}
@media(max-width:900px){.nav{flex-wrap:wrap}.navlinks{order:3;flex-basis:100%;overflow:auto;justify-content:flex-start}.grid,.grid2,.footergrid{grid-template-columns:1fr}.mobile-note{display:block}.form{flex-direction:column}.hero{padding:65px 0}.brand{min-width:auto}}