:root{--navy:#102a43;--blue:#1f5d87;--gold:#c99a38;--ink:#243b53;--muted:#627d98;--light:#f4f7fa;--line:#d9e2ec;--white:#fff}
*{box-sizing:border-box} body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.68;background:#fff}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.topbar{background:var(--navy);color:#fff}.nav{max-width:1160px;margin:auto;display:flex;align-items:center;gap:28px;padding:18px 24px}
.brand{font-family:Georgia,serif;font-size:24px;font-weight:bold;color:#fff;margin-right:auto}.nav a{color:#fff;font-size:14px}.phone{font-weight:bold}
.breadcrumb{max-width:1040px;margin:auto;padding:20px 24px;font-size:14px;color:var(--muted)}
.hero{background:linear-gradient(135deg,#102a43,#1f5d87);color:#fff;padding:68px 24px}.hero-inner{max-width:980px;margin:auto}
.eyebrow{text-transform:uppercase;letter-spacing:1.6px;font-size:13px;font-weight:bold;color:#f2d18a}.hero h1{font-family:Georgia,serif;font-size:48px;line-height:1.12;margin:12px 0 18px}.hero p{font-size:20px;max-width:820px;color:#e6eef5}
.btn{display:inline-block;background:var(--gold);color:#14213d;padding:13px 20px;border-radius:3px;font-weight:bold;margin-top:12px}
main{max-width:980px;margin:auto;padding:48px 24px}.section{padding:26px 0;border-bottom:1px solid var(--line)}h2{font-family:Georgia,serif;color:var(--navy);font-size:31px;line-height:1.25;margin:0 0 12px}
.lead{font-size:19px}.callout{background:var(--light);border-left:5px solid var(--gold);padding:22px;margin:28px 0}
.related{background:var(--light);padding:42px 24px}.related-inner{max-width:1040px;margin:auto}.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);padding:22px}.card h3{margin-top:0;color:var(--navy);font-family:Georgia,serif}
.faq{max-width:980px;margin:auto;padding:48px 24px}.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{font-weight:bold;cursor:pointer;color:var(--navy)}
.cta{background:var(--navy);color:#fff;text-align:center;padding:54px 24px}.cta h2{color:#fff}.cta p{max-width:720px;margin:0 auto 12px}
.pager{max-width:980px;margin:auto;padding:22px 24px;display:flex;justify-content:space-between}
footer{background:#091d2c;color:#d9e2ec;text-align:center;padding:36px 24px;font-size:14px}
footer a{color:#fff}
@media(max-width:800px){.nav a:not(.brand):not(.phone){display:none}.hero h1{font-size:36px}.cards{grid-template-columns:1fr}}