:root{
  --navy:#0f1f3d;--navy-2:#16294f;--navy-3:#1e3766;
  --gold:#c9a24a;--gold-2:#e2c27a;--ink:#1b2233;--muted:#5b6478;
  --bg:#f7f5f0;--card:#ffffff;--line:#e4e0d6;--radius:14px;
  --shadow:0 10px 30px rgba(15,31,61,.08);
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3.2rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
a{color:var(--navy-3);text-underline-offset:3px}
a:hover{color:#8a6a1f}
.container{max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:8px 14px;z-index:100}
.skip:focus{left:10px;top:10px}

/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(201,162,74,.35)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:600;letter-spacing:.2px}
.brand img{width:38px;height:38px}
.brand span small{display:block;font-size:.72rem;font-weight:500;color:var(--gold-2);letter-spacing:1.5px;text-transform:uppercase}
.nav-links{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav-links a{color:#dfe5f1;text-decoration:none;padding:8px 12px;border-radius:8px;font-size:.95rem}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--navy);background:var(--gold-2)}
.menu-toggle{display:none}
.menu-btn{display:none;cursor:pointer;color:#fff;border:1px solid rgba(255,255,255,.3);border-radius:8px;padding:6px 12px;font-size:.95rem}
@media (max-width:820px){
  .menu-btn{display:inline-block}
  .nav{flex-wrap:wrap}
  .nav-links{display:none;width:100%;flex-direction:column;padding-bottom:14px}
  .menu-toggle:checked ~ .nav-links{display:flex}
}

/* Hero */
.hero{background:radial-gradient(1200px 500px at 80% -10%,rgba(201,162,74,.22),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,var(--navy-3) 100%);color:#e9edf6;padding:96px 0 104px}
.hero h1{color:#fff;max-width:820px}
.hero .lead{font-size:1.2rem;max-width:680px;color:#c9d2e4}
.eyebrow{display:inline-block;color:var(--gold-2);font-size:.8rem;letter-spacing:2.5px;text-transform:uppercase;font-weight:600;margin-bottom:14px}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;padding:12px 22px;border-radius:10px;font-weight:600;text-decoration:none;border:1px solid transparent;transition:transform .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2);color:var(--navy)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{color:#fff;background:rgba(255,255,255,.08)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3);color:#fff}

/* Sections */
section{padding:80px 0}
.section-alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:720px;margin-bottom:40px}
.section-head p{color:var(--muted)}
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.card .icon{width:44px;height:44px;border-radius:10px;background:rgba(201,162,74,.15);color:#8a6a1f;display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}
.card p{color:var(--muted)}
.app-card{display:flex;flex-direction:column}
.app-card .tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;padding:4px 10px;border-radius:999px;background:#fff4dc;color:#7a5a12;border:1px solid #f0d99c;margin-bottom:14px;align-self:flex-start}
.app-card ul{margin:0 0 20px;padding-left:20px;color:var(--ink)}
.app-card ul li{margin-bottom:4px}
.app-card .btn{align-self:flex-start;margin-top:auto}
.app-card.placeholder{background:repeating-linear-gradient(135deg,#fbfaf6,#fbfaf6 12px,#f5f2ea 12px,#f5f2ea 24px);border-style:dashed;box-shadow:none}
.app-card.placeholder .tag{background:#eef1f7;color:var(--navy-3);border-color:#d6dcea}

/* Legal / content pages */
.page-hero{background:linear-gradient(160deg,var(--navy),var(--navy-3));color:#d6ddeb;padding:64px 0 56px}
.page-hero h1{color:#fff;margin-bottom:.3em}
.page-hero p{margin:0;color:#c3cce0}
.content{padding:56px 0 80px}
.prose{max-width:860px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:44px clamp(22px,5vw,56px);box-shadow:var(--shadow)}
.prose h2{font-size:1.45rem;margin-top:1.8em;padding-top:.4em;border-top:1px solid var(--line)}
.prose h2:first-of-type{margin-top:.6em}
.prose h3{font-size:1.1rem;margin-top:1.3em}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin-bottom:6px}
.prose table{width:100%;border-collapse:collapse;margin:1em 0 1.4em;font-size:.95rem}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:#f4f1e9;color:var(--navy)}
.toc{background:#f8f6f0;border:1px solid var(--line);border-radius:10px;padding:18px 22px;margin:20px 0 10px}
.toc strong{color:var(--navy)}
.toc ol{columns:2;column-gap:28px;margin:10px 0 0;font-size:.95rem}
@media (max-width:640px){.toc ol{columns:1}}
.callout{border-left:4px solid var(--gold);background:#fffaf0;padding:16px 20px;border-radius:0 10px 10px 0;margin:1.2em 0}
.meta{color:var(--muted);font-size:.95rem}
.table-wrap{overflow-x:auto}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin-bottom:12px}
details summary{cursor:pointer;font-weight:600;color:var(--navy)}
details[open] summary{margin-bottom:8px}
details p:last-child{margin-bottom:0}

.contact-box{display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between;background:var(--navy);color:#dfe5f1;border-radius:var(--radius);padding:30px 34px;margin-bottom:34px}
.contact-box h2{color:#fff;margin:0 0 .2em;font-size:1.5rem;border:0;padding:0}
.contact-box p{margin:0}
.contact-box a.email{color:var(--gold-2);font-weight:600;font-size:1.15rem}

.steps{counter-reset:s;list-style:none;padding:0 !important}
.steps li{counter-increment:s;position:relative;padding-left:52px;margin-bottom:18px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--gold-2);display:grid;place-items:center;font-weight:700}

/* Footer */
.site-footer{background:var(--navy);color:#b7c1d6;padding:56px 0 28px;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
@media (max-width:720px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:var(--gold-2);font-size:.8rem;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:6px}
.site-footer a{color:#dfe5f1;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;font-size:.88rem}

.notfound{min-height:60vh;display:grid;place-items:center;text-align:center;padding:80px 0}
.notfound .code{font-family:Georgia,serif;font-size:6rem;color:var(--gold);line-height:1}