:root{--navy:#071d33;--blue:#0b6fb8;--gold:#d8a93e;--ink:#172331;--muted:#5b6875;--light:#eef4f8;--line:#d8e1e8;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:var(--blue)}header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 12px #0003}.nav{max-width:1180px;margin:auto;padding:14px 22px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{text-decoration:none;color:#fff;font-weight:800;font-size:1.18rem;letter-spacing:.2px}.brand span{color:var(--gold)}nav a{color:#fff;text-decoration:none;margin-left:18px;font-size:.95rem}.hero{background:linear-gradient(135deg,#071d33,#0c4775);color:#fff;padding:78px 22px}.hero .wrap,.section .wrap{max-width:1120px;margin:auto}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-weight:700;color:#f1c45d;font-size:.82rem}.hero h1{font-size:clamp(2.2rem,5vw,4.4rem);line-height:1.08;max-width:930px;margin:.3em 0}.hero p{font-size:1.2rem;max-width:800px;color:#dce9f3}.buttons{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.button{display:inline-block;padding:12px 18px;border-radius:7px;text-decoration:none;font-weight:700;background:var(--gold);color:#172331}.button.secondary{background:transparent;color:#fff;border:1px solid #8fb2cc}.section{padding:68px 22px}.section.alt{background:var(--light)}h2{font-size:clamp(1.7rem,3vw,2.7rem);line-height:1.2;color:var(--navy)}h3{color:var(--navy)}.lead{font-size:1.12rem;color:var(--muted);max-width:850px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 8px 22px #071d3310}.card h3{margin-top:0}.card a{text-decoration:none;font-weight:700}.checks{padding-left:1.2rem}.checks li{margin:.45rem 0}.content{max-width:850px}.content h2{margin-top:2.2rem}.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:20px}.breadcrumbs a{color:var(--muted)}.cta{background:var(--navy);color:#fff;border-radius:14px;padding:34px}.cta h2{color:#fff;margin-top:0}.faq details{border:1px solid var(--line);border-radius:8px;padding:16px 18px;margin:12px 0;background:#fff}.faq summary{font-weight:700;color:var(--navy);cursor:pointer}footer{background:#061525;color:#c8d7e3;padding:38px 22px}footer .wrap{max-width:1120px;margin:auto;display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap}footer a{color:#fff}.small{font-size:.9rem;color:var(--muted)}@media(max-width:850px){.grid{grid-template-columns:1fr}.nav{align-items:flex-start}.nav nav{display:none}.hero{padding-top:56px}.section{padding:50px 20px}}