:root{
  --navy:#0b2545; --navy-2:#123a6b; --gold:#b8862b; --gold-light:#e8c778;
  --ink:#182333; --muted:#54607a; --bg:#f7f8fb; --card:#ffffff; --line:#e3e7ef;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 14px;z-index:100}
.skip-link:focus{left:8px;top:8px}
a{color:var(--navy-2)}
a:hover{color:var(--gold)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.25}
h1{font-size:2.1rem;margin:.2em 0 .4em}
h2{font-size:1.5rem;margin:1.4em 0 .5em}
h3{font-size:1.15rem;margin:1em 0 .3em}
p{color:var(--ink)}
.lede{font-size:1.15rem;color:var(--muted)}
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 1px 0 rgba(0,0,0,.08)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:8px;color:#fff;text-decoration:none;font-weight:700;font-family:Georgia,serif;font-size:1.15rem}
.brand:hover{color:var(--gold-light)}
.main-nav{display:flex;gap:18px;flex-wrap:wrap}
.main-nav a{color:#dfe6f2;text-decoration:none;font-size:.95rem;padding:6px 2px;border-bottom:2px solid transparent}
.main-nav a:hover,.main-nav a.active{color:#fff;border-bottom-color:var(--gold)}
.crumbs{font-size:.85rem;color:var(--muted);padding:14px 0 0}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--navy-2)}
.hero{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;padding:64px 0 56px;text-align:left}
.hero h1{color:#fff;font-size:2.5rem;max-width:820px}
.hero .lede{color:#cfd9ec;max-width:680px}
.cta-row{display:flex;gap:14px;margin-top:26px;flex-wrap:wrap}
.btn{display:inline-block;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:.95rem}
.btn-primary{background:var(--gold);color:#22190a}
.btn-primary:hover{background:var(--gold-light);color:#22190a}
.btn-secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.5)}
.btn-secondary:hover{border-color:#fff;color:#fff}
.section{padding:44px 0}
.band{background:#eef1f7;border-radius:10px}
.link-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 24px;list-style:none;padding:0;margin:18px 0 0}
.link-grid li{padding:10px 0;border-bottom:1px dashed var(--line)}
.link-grid a{text-decoration:none;font-weight:600}
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px;margin-top:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:20px}
.card h3{margin-top:0}
.card h3 a{text-decoration:none}
.card p{color:var(--muted);font-size:.95rem}
.card-link{font-size:.9rem;text-decoration:none;font-weight:600}
.steps{padding-left:1.2em}
.steps li{margin-bottom:12px}
.process-list{list-style:none;counter-reset:step;padding:0;margin-top:24px}
.process-list li{padding:18px 0;border-top:1px solid var(--line)}
.process-list li:first-child{border-top:none}
.faq-list{margin-top:20px}
.faq-item{padding:18px 0;border-top:1px solid var(--line)}
.faq-item:first-child{border-top:none}
.faq-item h2{font-size:1.1rem;margin:0 0 6px}
.site-footer{background:#0a1e3a;color:#c9d3e6;margin-top:40px;padding:44px 0 24px;font-size:.92rem}
.site-footer a{color:#c9d3e6;text-decoration:none}
.site-footer a:hover{color:var(--gold-light)}
.footer-brand{color:#fff;margin-bottom:8px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.footer-links{list-style:none;padding:0;margin:0}
.footer-links li{margin-bottom:6px}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:18px;font-size:.82rem;color:#94a2bd}
.copyright{font-size:.8rem;color:#7c88a3;margin-top:10px}
@media (max-width:640px){
  .header-inner{flex-direction:column;align-items:flex-start}
  .hero h1{font-size:2rem}
  .link-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
}