:root {
  --ink: #142033;
  --ink-soft: #3d4c63;
  --navy: #0c2340;
  --navy-2: #16365c;
  --gold: #b8893a;
  --gold-2: #e7c98a;
  --cream: #f6f3ec;
  --paper: #fffcf7;
  --line: #e4dccb;
  --burgundy: #8d2b38;
  --ok: #1f6b4a;
  --shadow: 0 18px 50px rgba(12, 35, 64, 0.12);
  --radius: 18px;
  --max: 1120px;
  --serif: "Libre Baskerville", Georgia, "Times New Roman", serif;
  --sans: "Source Sans 3", "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: var(--sans);
  font-size: 1.05rem;
  line-height: 1.65;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
.skip {
  position: absolute;
  left: 1rem;
  top: -4rem;
  background: var(--gold);
  color: var(--navy);
  padding: 0.5rem 0.8rem;
  z-index: 20;
}
.skip:focus { top: 1rem; }

.topbar {
  background: var(--navy);
  color: #f3ead8;
  font-size: 0.86rem;
  letter-spacing: 0.02em;
}
.topbar-inner, .nav-inner, .wrap, .footer-inner {
  width: min(var(--max), calc(100% - 2rem));
  margin: 0 auto;
}
.topbar-inner {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.45rem 0;
}
.brand-lock {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  text-decoration: none;
}
.mark {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background:
    linear-gradient(160deg, var(--gold-2), var(--gold) 45%, #8d6424);
  color: var(--navy);
  display: grid;
  place-items: center;
  font-family: var(--serif);
  font-weight: 700;
  letter-spacing: 0.04em;
  box-shadow: inset 0 0 0 2px rgba(12, 35, 64, 0.18);
}
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-text strong {
  font-family: var(--serif);
  font-size: 1.25rem;
  letter-spacing: 0.01em;
}
.brand-text span {
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-2);
}
header.site {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 252, 247, 0.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 78px;
}
.nav-links {
  display: flex;
  gap: 0.35rem;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.45rem 0.7rem;
  border-radius: 999px;
}
.nav-links a[aria-current="page"],
.nav-links a:hover {
  background: #efe6d4;
}
.menu-btn {
  display: none;
  border: 1px solid var(--line);
  background: white;
  border-radius: 10px;
  padding: 0.45rem 0.7rem;
  font: inherit;
  font-weight: 700;
  color: var(--navy);
}

.hero {
  background:
    radial-gradient(900px 420px at 90% -10%, rgba(184, 137, 58, 0.28), transparent 60%),
    linear-gradient(165deg, var(--navy) 0%, #102c4e 55%, #1c4068 100%);
  color: #f7f1e6;
  padding: 4.2rem 0 3.4rem;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.35fr 0.85fr;
  gap: 2.5rem;
  align-items: end;
}
.kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.78rem;
  color: var(--gold-2);
  font-weight: 700;
}
.kicker::before {
  content: "";
  width: 2rem;
  height: 2px;
  background: var(--gold);
}
h1, h2, h3, h4 { font-family: var(--serif); line-height: 1.2; font-weight: 700; }
h1 { font-size: clamp(2.2rem, 4.5vw, 3.7rem); margin: 0.4rem 0 1rem; }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); margin: 0 0 0.8rem; }
h3 { font-size: 1.28rem; margin: 0 0 0.45rem; }
.lede { font-size: 1.18rem; color: #efe4cf; max-width: 42rem; }
.hero p.lede { margin-top: 0; }
.actions { display: flex; flex-wrap: wrap; gap: 0.7rem; margin-top: 1.5rem; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  border-radius: 999px;
  padding: 0.75rem 1.15rem;
  font-weight: 700;
  border: 1px solid transparent;
}
.btn-gold { background: var(--gold); color: #1b1408; }
.btn-ghost { border-color: rgba(247, 241, 230, 0.45); color: #f7f1e6; }
.btn-navy { background: var(--navy); color: #f7f1e6; }
.stat-card {
  background: rgba(255, 252, 247, 0.08);
  border: 1px solid rgba(231, 201, 138, 0.35);
  border-radius: var(--radius);
  padding: 1.2rem 1.25rem 0.4rem;
}
.stat-card p { margin-top: 0; color: #efe4cf; }
.stat-card ul { list-style: none; padding: 0; margin: 0; }
.stat-card li {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  border-top: 1px solid rgba(231, 201, 138, 0.25);
  padding: 0.75rem 0;
}
.stat-card strong { color: var(--gold-2); font-size: 0.95rem; }

.section { padding: 4rem 0; }
.section.alt { background: var(--paper); }
.section-head { max-width: 46rem; margin-bottom: 1.8rem; }
.section-head p { color: var(--ink-soft); margin: 0; }
.grid-3, .grid-2, .grid-4 {
  display: grid;
  gap: 1rem;
}
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem 1.2rem 1.1rem;
  box-shadow: 0 1px 0 rgba(20, 32, 51, 0.03);
}
.card .num {
  font-family: var(--serif);
  color: var(--gold);
  font-size: 1.35rem;
}
.card p:last-child { margin-bottom: 0; }
.card a { color: var(--navy-2); font-weight: 700; }

.band {
  background: var(--navy-2);
  color: #f7f1e6;
}
.band .section-head p, .band p { color: #e7dcc6; }
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li {
  background: white;
  border-radius: var(--radius);
  padding: 1rem 1rem 1rem 4.2rem;
  position: relative;
  border: 1px solid var(--line);
}
.steps li::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 0.9rem;
  top: 1rem;
  width: 2.3rem;
  height: 2.3rem;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-2);
  display: grid;
  place-items: center;
  font-family: var(--serif);
}
.page-hero {
  padding: 2.8rem 0 1.4rem;
  background:
    linear-gradient(180deg, #efe6d4 0%, var(--cream) 100%);
  border-bottom: 1px solid var(--line);
}
.page-hero p { max-width: 46rem; color: var(--ink-soft); }
.crumb { font-size: 0.9rem; color: var(--ink-soft); margin-bottom: 0.4rem; }
.crumb a { color: var(--navy); }

table {
  width: 100%;
  border-collapse: collapse;
  background: white;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line);
}
th, td { text-align: left; padding: 0.85rem 1rem; vertical-align: top; }
th { background: var(--navy); color: #f7f1e6; font-weight: 650; }
tr:nth-child(even) td { background: #fbf8f2; }
.note {
  background: #fff8ea;
  border-left: 4px solid var(--gold);
  padding: 0.9rem 1rem;
  border-radius: 0 12px 12px 0;
}
.split {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 1.5rem;
  align-items: start;
}
.pill-list { display: flex; flex-wrap: wrap; gap: 0.45rem; padding: 0; margin: 0; list-style: none; }
.pill-list li {
  background: #efe6d4;
  color: var(--navy);
  border-radius: 999px;
  padding: 0.28rem 0.7rem;
  font-weight: 650;
  font-size: 0.92rem;
}
details.faq {
  background: white;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 0.85rem 1rem;
  margin-bottom: 0.7rem;
}
details.faq summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
}
details.faq p { margin-bottom: 0.2rem; color: var(--ink-soft); }
footer.site {
  background: var(--cream);
  color: var(--ink-soft);
  border-top: 1px solid var(--line);
  padding: 3.2rem 0 1.4rem;
  margin-top: 1rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 2.5rem;
  align-items: start;
}
footer h2 {
  font-size: 1.85rem;
  color: var(--ink);
  margin: 0 0 0.35rem;
}
.footer-sub {
  color: var(--ink);
  font-weight: 650;
  margin: 0 0 1rem;
}
footer p { margin: 0 0 0.9rem; }
.footer-note {
  font-size: 0.95rem;
  max-width: 40rem;
}
.footer-label {
  margin: 0 0 0.8rem;
  font-size: 0.75rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--ink-soft);
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1.15rem;
}
.footer-links a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 2.2rem;
  padding-top: 0.4rem;
  font-size: 0.92rem;
}
.footer-bottom p { margin: 0; }
.footer-bottom a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.stack { display: grid; gap: 1.15rem; }
.block {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.35rem 1.4rem 1.15rem;
}
.block h2 { font-size: clamp(1.45rem, 2.4vw, 1.9rem); }
.block p:last-child { margin-bottom: 0; }
.prose { max-width: 48rem; }
.prose h2 { margin-top: 2.1rem; }
.prose h3 { margin-top: 1.4rem; }
.table-wrap { overflow-x: auto; }

@media (max-width: 900px) {
  .hero-grid, .grid-3, .grid-4, .split, .footer-grid, .grid-2 { grid-template-columns: 1fr; }
  .menu-btn { display: inline-flex; }
  .nav-links {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--paper);
    flex-direction: column;
    align-items: stretch;
    padding: 0.6rem 1rem 1rem;
    border-bottom: 1px solid var(--line);
  }
  .nav-links.open { display: flex; }
  .topbar-inner { flex-direction: column; gap: 0.15rem; }
}