:root{--navy:#0f2a44;--ink:#1d2733;--muted:#5b6775;--gold:#8a6420;--bg:#f5f3ee;--line:#e3ded3}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 Georgia,"Times New Roman",serif;color:var(--ink);background:#fff}
h1,h2,h3,.brand,.btn,.eyebrow,nav a,.facts strong,.timeline span,.steps b{font-family:"Helvetica Neue",Arial,sans-serif}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
a{color:var(--navy)}
.nav{position:sticky;top:0;z-index:5;background:#fff;border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{text-decoration:none;color:var(--navy);font-weight:700;font-size:18px;display:flex;flex-direction:column;line-height:1.2}
.brand span{font-size:12px;letter-spacing:.12em;color:var(--gold);font-weight:600}
nav{display:flex;gap:26px;align-items:center}nav a{text-decoration:none;font-size:15px;color:var(--ink)}
.btn{display:inline-block;background:var(--gold);color:#fff!important;text-decoration:none;padding:14px 26px;border-radius:4px;font-weight:600;font-size:16px}
.btn-sm{padding:10px 18px;font-size:14px}.btn-ghost{background:transparent;color:var(--navy)!important;border:2px solid var(--navy);padding:12px 24px}
.btn-light{background:#fff;color:var(--navy)!important}
.hero{background:var(--bg);padding:80px 0}
.hero-in{display:grid;grid-template-columns:1.5fr 1fr;gap:56px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:13px;color:var(--gold);font-weight:700;margin:0 0 12px}
h1{font-size:46px;line-height:1.15;color:var(--navy);margin:0 0 20px}
h2{font-size:34px;line-height:1.2;color:var(--navy);margin:0 0 20px}
h3{font-size:19px;color:var(--navy);margin:0 0 6px}
.lead{font-size:19px;color:var(--muted)}
.ctas{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 22px}
.bc{font-family:"Helvetica Neue",Arial,sans-serif;font-size:16px;margin:0}.bc a{font-weight:700;color:var(--navy)}
.hero-photo{margin:0;justify-self:center}
.hero-photo img{display:block;width:277px;max-width:100%;height:auto;border-radius:6px;box-shadow:0 20px 40px rgba(15,42,68,.18);border:6px solid #fff}
.facts{background:var(--navy);color:#fff;padding:30px 0}
.facts-in{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.facts strong{display:block;font-size:20px;color:#fff}.facts span{font-size:14px;color:#c9d3de}
.sec{padding:80px 0}.alt{background:var(--bg)}
.two{display:grid;grid-template-columns:1fr 1.6fr;gap:56px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:10px}
.cards article{background:#fff;border-top:3px solid var(--gold);padding:24px;border-radius:4px}
.cards p,.steps p,.timeline p{margin:0;color:var(--muted);font-size:16px}
.who{margin-top:28px;color:var(--muted)}
.timeline{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.timeline li{padding:0 0 26px 26px;position:relative}
.timeline li:before{content:"";position:absolute;left:-7px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--gold)}
.timeline span{font-size:13px;color:var(--gold);font-weight:700;letter-spacing:.05em}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.steps b{display:inline-flex;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;align-items:center;justify-content:center;margin-bottom:10px}
.note{color:var(--muted);font-size:14px;margin-top:20px}
.cta{background:var(--navy);color:#fff}.cta h2{color:#fff}.cta a{color:#fff}
address{font-style:normal;font-family:"Helvetica Neue",Arial,sans-serif;line-height:1.7}
.foot{background:#0a1d30;color:#aab6c3;font:13px/1.6 "Helvetica Neue",Arial,sans-serif;padding:36px 0}
.foot a{color:#fff}.foot .bc{color:#fff;font-size:15px;margin-bottom:14px}
@media(max-width:900px){nav a:not(.btn){display:none}.hero-in,.two{grid-template-columns:1fr;gap:32px}.hero-photo{order:-1}
.cards{grid-template-columns:1fr 1fr}.facts-in{grid-template-columns:1fr 1fr}h1{font-size:34px}h2{font-size:28px}.hero,.sec{padding:52px 0}}
@media(max-width:520px){.cards,.steps{grid-template-columns:1fr}.brand{font-size:16px}.btn-sm{padding:8px 12px;font-size:13px}.hero-photo img{width:200px}}
.beyond{margin-top:28px;padding:22px 24px;background:var(--bg);border-left:3px solid var(--gold);border-radius:4px}.beyond p{margin:0;font-size:16px}
@media(max-width:900px){.two>div:first-child h2{margin-bottom:0}.two{gap:16px}}
.risk{font-family:"Helvetica Neue",Arial,sans-serif;font-size:14px;color:var(--muted);margin:0 0 18px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:9;background:#fff;padding:8px 12px}