:root{--navy:#0B2547;--navy2:#123463;--blue:#2F6FB5;--green:#2E6B4E;--gold:#B98A2E;--goldtx:#8A6414;--gold2:#E8C878;--paper:#FAF8F3;--ink:#16202e;--mute:#566274;--line:#e6e1d4}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Source Sans 3","Avenir Next","Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
h1,h2,h3{text-wrap:balance;font-family:"Source Serif 4","Iowan Old Style","Palatino Linotype",Georgia,serif;font-weight:600;letter-spacing:-.01em;line-height:1.15}
a{color:inherit}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:50}
.skip:focus{left:8px;top:8px}
header{position:sticky;top:0;z-index:20;background:rgba(250,248,243,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:48px;height:48px;display:block}
.brand b{display:block;font-family:"Source Serif 4","Iowan Old Style",Georgia,serif;font-size:17px;letter-spacing:.05em;color:var(--navy);line-height:1.1}
.brand span{display:block;font-size:12px;letter-spacing:.3em;color:var(--goldtx);text-transform:uppercase}
nav{display:flex;gap:24px;align-items:center;font-size:14.5px}
nav a{text-decoration:none;color:var(--navy);opacity:.85;padding:6px 0;border-bottom:2px solid transparent}
nav a:hover{opacity:1}
nav a[aria-current="page"]{opacity:1;border-bottom-color:var(--gold)}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;padding:13px 24px;border-radius:2px;font-weight:600;font-size:15px;letter-spacing:.02em;border:1px solid var(--navy);transition:.2s}
.hn{display:flex;gap:24px;align-items:center}
.hn a.btn{color:#fff;opacity:1;border-bottom:1px solid var(--navy);padding:11px 20px;white-space:nowrap}
.brand b{white-space:nowrap}
.qr p{margin:8px 0 0;text-align:center;font-size:13px;color:var(--navy);font-weight:600}
.btn:hover{background:var(--navy2)}
.btn.gold{background:var(--gold2);border-color:var(--gold2);color:var(--navy)}
.btn.gold:hover{background:#f0d58f}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.hero{background:linear-gradient(180deg,var(--navy) 0%,#10305c 100%);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center;padding-top:80px;padding-bottom:96px}
.hero.slim .wrap{grid-template-columns:1fr;padding-top:64px;padding-bottom:64px}
.kicker{font-size:12px;letter-spacing:.3em;text-transform:uppercase;color:var(--gold2);margin-bottom:18px}
.hero h1{font-size:clamp(34px,5vw,56px);margin-bottom:20px}
.hero p{font-size:18px;color:#d6deea;max-width:560px;margin-bottom:30px}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap}
.hero .seal{width:100%;max-width:380px;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 18px 40px rgba(0,0,0,.35))}
.crumbs{font-size:13px;color:#9fb0c8;margin-bottom:14px}
.crumbs a{color:#c9d4e4}
.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.vals{display:grid;grid-template-columns:repeat(3,1fr)}
.val{padding:34px 26px;border-right:1px solid var(--line)}
.val:last-child{border-right:0}
.val h3{font-size:22px;color:var(--navy);margin-bottom:6px}
.val .n{font-size:12px;letter-spacing:.28em;color:var(--navy);margin-bottom:10px;font-weight:700}
.val p{color:var(--mute);font-size:15.5px}
section{padding:80px 0}
.eyebrow{font-size:12px;letter-spacing:.3em;text-transform:uppercase;color:var(--goldtx);margin-bottom:12px;font-weight:600}
h2{font-size:clamp(28px,3.8vw,40px);color:var(--navy);margin-bottom:14px}
h3{color:var(--navy)}
.lead{color:var(--mute);font-size:17.5px;max-width:660px;margin-bottom:40px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);padding:30px;border-radius:2px;position:relative;display:flex;flex-direction:column}
.card:before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:linear-gradient(var(--gold2),var(--gold))}
.card h3{font-size:23px;margin-bottom:8px}
.card p{color:var(--mute);font-size:15.5px}
.card ul{list-style:none;margin-top:14px}
.card li{padding:7px 0;border-top:1px solid var(--line);font-size:15px;color:var(--ink)}
.card .more{margin-top:auto;padding-top:18px;font-weight:600;color:var(--blue);text-decoration:none;font-size:15px}
.card .more:hover{text-decoration:underline}
.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.step .num{font-family:"Source Serif 4","Iowan Old Style",Georgia,serif;font-size:46px;color:var(--navy);line-height:1;margin-bottom:10px}
.step h3{font-size:21px;margin-bottom:6px}
.step p{color:var(--mute);font-size:15.5px}
.freq{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px}
.freq span{color:var(--navy);font-size:15px;font-weight:600}
.freq span+span:before{content:"\00b7";margin-right:12px;color:var(--gold)}
.prose{max-width:720px}
.prose p{color:var(--ink);font-size:17px;margin-bottom:18px}
.prose h2{margin-top:44px}
.checks{list-style:none;margin:6px 0 22px}
.checks li{padding:9px 0 9px 32px;position:relative;border-top:1px solid var(--line);font-size:16.5px}
.checks li:before{content:"";position:absolute;left:4px;top:15px;width:14px;height:8px;border-left:3px solid var(--navy);border-bottom:3px solid var(--navy);transform:rotate(-45deg)}
.glance{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border:1px solid var(--line);background:#fff;max-width:720px;margin:10px 0 0}
.glance div{padding:20px 24px;border-bottom:1px solid var(--line)}
.glance div:nth-child(odd){border-right:1px solid var(--line)}
.glance div:nth-last-child(-n+2){border-bottom:0}
.glance small{display:block;font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:var(--goldtx);margin-bottom:4px;font-weight:600}
.glance span{font-size:17px;color:var(--navy);font-weight:600}
.contact{background:var(--navy);color:#fff}
.contact h2{color:#fff}
.contact .eyebrow{color:var(--gold2)}
.contact .lead{color:#c9d4e4}
.cbox{display:grid;grid-template-columns:1fr 1fr;gap:22px;max-width:760px}
.cb{border:1px solid rgba(255,255,255,.2);padding:26px;border-radius:2px}
.cb small{display:block;font-size:12px;letter-spacing:.26em;text-transform:uppercase;color:var(--gold2);margin-bottom:8px}
.cb a,.cb strong{font-family:"Source Serif 4","Iowan Old Style",Georgia,serif;font-size:28px;text-decoration:none;color:#fff;font-weight:600}
.cb p{font-size:15px;color:#c9d4e4;margin-top:6px}
.qr{margin-top:26px;display:inline-block;background:#fff;padding:14px;border-radius:6px}
.qr img{display:block;width:168px;height:168px}
footer{background:#081c38;color:#9fb0c8;padding:44px 0 30px;font-size:14px}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
footer h4{font-size:12px;letter-spacing:.26em;text-transform:uppercase;color:var(--gold2);margin-bottom:12px;font-weight:600}
footer a{text-decoration:none;display:block;padding:3px 0;color:#c9d4e4}
footer a:hover{color:#fff}
footer .brandf{display:flex;gap:12px;align-items:center;margin-bottom:12px}
footer .brandf img{width:44px;height:44px}
footer .brandf b{color:#fff;font-family:"Source Serif 4","Iowan Old Style",Georgia,serif;letter-spacing:.05em;font-size:16px}
footer .legal{margin-top:30px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr;padding-top:52px;padding-bottom:60px}.hero .seal{max-width:170px;margin:6px 0 0}.vals,.steps,.cards,.cards.two,.cbox,footer .cols,.glance{grid-template-columns:1fr}.val{border-right:0;border-bottom:1px solid var(--line)}.glance div:nth-child(odd){border-right:0}.glance div:nth-last-child(-n+2){border-bottom:1px solid var(--line)}.glance div:last-child{border-bottom:0}.bar{flex-wrap:wrap;height:auto;padding:10px 22px 4px;row-gap:6px}.hn{display:contents}.brand{order:1}.hn a.btn{order:2;padding:10px 18px}.hn .num{display:none}nav{order:3;width:100%;justify-content:space-between;gap:8px;border-top:1px solid var(--line);padding:2px 0}nav a{padding:10px 4px}section{padding:56px 0}.qr{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}