*{box-sizing:border-box;margin:0;padding:0}body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;color:#1a1a1a;line-height:1.65;background:#fff}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.topbar{background:#0f1b2d;color:#cfd8e3;font-size:13px;padding:8px 0}.topbar a{color:#cfd8e3;text-decoration:none}
header.nav{border-bottom:1px solid #e6e6e6;padding:18px 0}
.brand{font-size:22px;font-weight:700;color:#0f1b2d;text-decoration:none}.brand span{color:#b08d4f}
nav ul{list-style:none;display:flex;gap:22px;flex-wrap:wrap}nav a{color:#1a1a1a;text-decoration:none;font-size:15px}
.hero{background:#0f1b2d;color:#fff;padding:64px 0}.hero .eyebrow{color:#b08d4f;text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:700}
.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.15;margin:12px 0 16px;font-weight:700}
.hero p{color:#c7d0dc;max-width:720px;font-size:18px}
.btn{display:inline-block;background:#b08d4f;color:#fff;padding:13px 26px;border-radius:4px;text-decoration:none;font-weight:600;margin:20px 12px 0 0}
.btn.alt{background:transparent;border:1px solid #b08d4f;color:#b08d4f}
.crumb{font-size:13px;color:#666;padding:16px 0;border-bottom:1px solid #eee}.crumb a{color:#666}
section{padding:56px 0}.eyebrow{color:#b08d4f;text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:700}
h2{font-size:clamp(24px,3.4vw,34px);margin:10px 0 18px;font-weight:700;color:#0f1b2d}
h3{font-size:19px;margin:0 0 8px;color:#0f1b2d}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));margin-top:28px}
.card{border:1px solid #e6e6e6;border-radius:6px;padding:24px;text-decoration:none;color:inherit;display:block}
.card:hover{border-color:#b08d4f}.card p{font-size:15px;color:#555;margin:8px 0 12px}.card .more{color:#b08d4f;font-weight:600;font-size:14px}
ul.checks{list-style:none;margin-top:18px}ul.checks li{padding-left:26px;position:relative;margin-bottom:9px}
ul.checks li:before{content:"✓";position:absolute;left:0;color:#b08d4f;font-weight:700}
.alt-bg{background:#f7f8fa}
details{border-bottom:1px solid #e6e6e6;padding:16px 0}summary{font-weight:600;cursor:pointer;color:#0f1b2d}details p{margin-top:10px;color:#555}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.chips a{border:1px solid #e0e0e0;border-radius:100px;padding:8px 16px;font-size:14px;text-decoration:none;color:#333}
.chips a:hover{border-color:#b08d4f;color:#b08d4f}
.cta{background:#0f1b2d;color:#fff;text-align:center}.cta h2{color:#fff}
footer{background:#0b1422;color:#9fb0c4;padding:48px 0;font-size:14px}footer a{color:#9fb0c4;text-decoration:none}
footer h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
footer ul{list-style:none;columns:2}footer .fgrid{display:grid;gap:32px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.copy{border-top:1px solid #1e2b3d;margin-top:32px;padding-top:20px;font-size:13px}
.two{display:grid;gap:40px;grid-template-columns:1.3fr 1fr;align-items:start}@media(max-width:800px){.two{grid-template-columns:1fr}}