:root{--navy:#14324a;--navy2:#0d2436;--gold:#c9a227;--gold2:#e3c566;--ink:#1c2733;--mut:#5a6a78;--bg:#ffffff;--soft:#f4f7f9;--line:#dde5ea;--radius:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Liberation Sans","Segoe UI",Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:var(--bg)}
a{color:var(--navy);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--gold)}
img{max-width:100%;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.topbar{background:var(--navy2);color:#dbe6ee;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:700}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 10px rgba(13,36,54,.05)}
header.site .wrap{display:flex;align-items:center;gap:22px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{height:52px;width:auto;border-radius:8px}
.brand .bname{font-weight:800;color:var(--navy);font-size:1.12rem;line-height:1.15}
.brand .bsub{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700}
nav.main{margin-left:auto}
nav.main ul{display:flex;gap:20px;list-style:none;flex-wrap:wrap}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
nav.main a:hover{color:var(--navy);border-bottom:3px solid var(--gold)}
.cta-btn{display:inline-block;background:var(--gold);color:var(--navy2)!important;font-weight:800;padding:11px 20px;border-radius:999px;text-decoration:none;border:2px solid var(--gold)}
.cta-btn:hover{background:var(--gold2)}
.cta-btn.ghost{background:transparent;color:#fff!important;border-color:#fff}
.cta-btn.navy{background:var(--navy);border-color:var(--navy);color:#fff!important}
.hero{background:linear-gradient(rgba(13,36,54,.82),rgba(13,36,54,.78)),var(--hero-img,none) center/cover no-repeat,var(--navy);color:#fff;padding:74px 0 64px}
.hero h1{font-size:2.55rem;line-height:1.14;max-width:820px}
.hero p.lede{font-size:1.18rem;color:#e7eef4;max-width:720px;margin:16px 0 26px}
.hero .row{display:flex;gap:14px;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin-top:38px}
.stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius);padding:16px}
.stat b{display:block;font-size:1.5rem;color:var(--gold2)}
.stat span{font-size:.88rem;color:#dbe6ee}
section{padding:56px 0}
section.soft{background:var(--soft)}
h2{font-size:1.85rem;color:var(--navy);line-height:1.2;margin-bottom:14px}
h3{font-size:1.18rem;color:var(--navy);margin-bottom:8px}
.kicker{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:800;margin-bottom:8px}
.lede{font-size:1.08rem;color:var(--mut);max-width:820px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin-top:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 3px 12px rgba(13,36,54,.04)}
.card p{color:var(--mut);font-size:.96rem}
.card a.more{font-weight:700;text-decoration:none}
.keyfacts{background:#fff8e6;border:1px solid var(--gold);border-radius:var(--radius);padding:22px 24px;margin:26px 0}
.keyfacts h3{color:var(--navy)}
.keyfacts ul{margin-left:20px}
.keyfacts li{margin:5px 0}
table.fees{width:100%;border-collapse:collapse;margin:22px 0;background:#fff}
table.fees th,table.fees td{border:1px solid var(--line);padding:11px 13px;text-align:left;vertical-align:top}
table.fees th{background:var(--navy);color:#fff}
table.fees tr td:first-child{font-weight:700;color:var(--navy)}
details.faq{background:#fff;border:1px solid var(--line);border-radius:10px;padding:15px 18px;margin:10px 0}
details.faq summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:1.02rem}
details.faq p{margin-top:9px;color:var(--ink)}
.crumbs{font-size:.85rem;color:var(--mut);padding:16px 0 0}
.crumbs a{text-decoration:none}
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:start}
@media(max-width:820px){.split{grid-template-columns:1fr}.hero h1{font-size:1.95rem}nav.main{display:none}}
.photo{border-radius:var(--radius);border:1px solid var(--line)}
form.lead{display:grid;gap:12px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
form.lead label{font-weight:700;color:var(--navy);font-size:.92rem}
form.lead input,form.lead select,form.lead textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;margin-top:5px}
form.lead button{background:var(--navy);color:#fff;border:0;border-radius:999px;padding:13px 22px;font-weight:800;cursor:pointer}
footer.site{background:var(--navy2);color:#c8d6e0;padding:46px 0 26px;margin-top:0}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:26px}
footer.site h4{color:#fff;margin-bottom:10px;font-size:1rem}
footer.site a{color:#c8d6e0;text-decoration:none;display:block;margin:5px 0;font-size:.93rem}
footer.site a:hover{color:var(--gold2)}
footer.site .fine{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:16px;font-size:.82rem;color:#8fa5b5}
.badge{display:inline-block;background:var(--navy);color:#fff;border-radius:999px;padding:4px 13px;font-size:.8rem;font-weight:700;margin:3px 4px 3px 0}
ul.check{list-style:none}
ul.check li{padding-left:26px;position:relative;margin:8px 0}
ul.check li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}