:root{--navy:#0b1f3a;--navy2:#132d52;--amber:#f2a516;--ink:#1b2430;--muted:#5b6675;--bg:#fff;--soft:#f3f5f8}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}a{color:#0d4fa3}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}.center{text-align:center}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5;border-bottom:3px solid var(--amber)}
.nav{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;min-height:64px}
.brand{display:flex;gap:10px;align-items:center;color:#fff;text-decoration:none;font-weight:800;font-size:1.35rem}
.brand em{color:var(--amber);font-style:normal}.brand small{display:block;font-weight:400;font-size:.72rem;opacity:.85}
.brand img{border-radius:6px}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav a{color:#fff;text-decoration:none;padding:8px 10px;border-radius:6px;font-size:.95rem}
nav a:hover,nav a[aria-current]{background:var(--navy2);color:var(--amber)}
.navtoggle,.burger{display:none}
@media(max-width:820px){.burger{display:block;font-size:1.8rem;cursor:pointer;color:#fff}
 nav{display:none;width:100%}.navtoggle:checked~nav{display:block}nav ul{flex-direction:column;padding-bottom:10px}}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:80px 0 70px}
.hero.small{padding:56px 0 44px}
.hero h1{font-size:clamp(1.8rem,4.5vw,3rem);line-height:1.15;margin:.2em 0;max-width:22ch}
.hero.small h1{max-width:none}
.eyebrow{color:var(--amber);text-transform:uppercase;letter-spacing:.1em;font-weight:700;font-size:.85rem;margin:0}
.lead{font-size:1.2rem;max-width:62ch;opacity:.95}
section{padding:56px 0}.alt{background:var(--soft)}
.band{background:var(--navy);color:#fff;border-top:4px solid var(--amber)}
h2{color:var(--navy);font-size:1.7rem;line-height:1.25}.band h2,.hero h2{color:#fff}
h3{color:var(--navy);margin-top:0}
.btn{display:inline-block;background:var(--amber);color:var(--navy);font-weight:700;text-decoration:none;padding:13px 22px;border-radius:8px;border:2px solid var(--amber);cursor:pointer;font-size:1rem;margin:4px 6px 4px 0}
.btn:hover{filter:brightness(1.07)}.btn.ghost{background:transparent;color:inherit}
.card .btn.ghost,section:not(.hero):not(.band) .btn.ghost{color:var(--navy)}
.callout{border-left:5px solid var(--amber);padding:6px 16px;font-weight:700;font-size:1.15rem;color:var(--navy)}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px}
.grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:12px 28px}
.card{background:#fff;border:1px solid #dde3ea;border-top:4px solid var(--amber);border-radius:10px;padding:22px}
.meta{color:var(--muted);font-style:italic;font-size:.92rem}
.checks{list-style:none;padding:0}.checks li{padding-left:30px;position:relative;margin:8px 0}
.checks li:before{content:"\2713";position:absolute;left:0;color:var(--amber);font-weight:900;background:var(--navy);width:20px;height:20px;border-radius:50%;font-size:.75rem;text-align:center;line-height:20px;top:4px}
.policy li{margin:14px 0}
.tablewrap{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:520px;background:#fff}
th,td{padding:11px 12px;border-bottom:1px solid #dde3ea;text-align:center}tbody th{text-align:left;font-weight:500}
thead th{background:var(--navy);color:var(--amber)}
form label{display:block;font-weight:600;margin:12px 0;color:var(--navy)}
input,select,textarea{display:block;width:100%;margin-top:5px;padding:11px;border:1px solid #b9c3cf;border-radius:7px;font:inherit}
input:focus,select:focus,textarea:focus{outline:3px solid var(--amber);border-color:var(--navy)}
.small{font-size:.88rem;color:var(--muted)}.light{color:#cdd6e2}
.site-footer{background:var(--navy);color:#cdd6e2;padding:34px 0;font-size:.95rem}
.site-footer a{color:var(--amber)}.site-footer .small{color:#9fb0c4}