:root{--ink:#14181f;--charcoal:#1f2937;--navy:#0b3d63;--navy-dark:#082c47;--gold:#a9762f;--ivory:#f7f5f0;--gray:#6b7280;--lightgray:#e4e2db;--line:#d6d3c8;--serif:Georgia,'Times New Roman',serif;--sans:'Helvetica Neue',Arial,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{background:var(--ivory);color:var(--ink);font-family:var(--sans);line-height:1.65}
a{color:inherit}
.wrap{max-width:1140px;margin:0 auto;padding:0 32px}
.skip-link{position:absolute;left:16px;top:-80px;background:#fff;color:var(--navy-dark);padding:10px 14px;border:2px solid var(--navy);z-index:1000}.skip-link:focus{top:12px}
a:focus-visible,button:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
header{position:sticky;top:0;background:var(--ivory);border-bottom:1px solid var(--line);z-index:100}
nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:80px;padding:12px 0}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-family:var(--serif);font-size:21px;letter-spacing:.05em;text-decoration:none;text-transform:uppercase;white-space:nowrap}.brand img{height:40px;width:auto}
.navlinks{display:flex;align-items:center;gap:24px;font-size:13px;letter-spacing:.04em;text-transform:uppercase}.navlinks a{text-decoration:none;border-bottom:1px solid transparent}.navlinks a:hover{border-color:var(--ink)}
.hero{padding:84px 0 60px;border-bottom:1px solid var(--line)}
.eyebrow{color:var(--gold);font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
h1,h2,h3{color:var(--navy-dark);font-family:var(--serif);font-weight:400;line-height:1.22}h1{font-size:46px;max-width:820px;margin-bottom:22px}h2{font-size:31px;margin-bottom:18px}h3{font-size:20px;margin-bottom:10px}
.lede{max-width:760px;color:var(--charcoal);font-size:18px}
main section{padding:64px 0;border-bottom:1px solid var(--line)}
.policy{max-width:820px}.policy h2{font-size:25px;margin-top:38px}.policy h3{font-family:var(--sans);font-size:17px;font-weight:700;margin-top:26px}.policy p,.policy li{color:var(--charcoal);margin-bottom:12px}.policy ul{padding-left:22px}.policy .effective{font-size:14px;color:var(--gray);margin-bottom:28px}.notice{border-left:4px solid var(--gold);background:#efe5d4;padding:16px 18px;margin:24px 0;color:var(--charcoal)}
.button{display:inline-flex;align-items:center;justify-content:center;background:var(--navy);border:1px solid var(--navy);color:#fff;padding:12px 20px;font-size:13px;letter-spacing:.05em;text-decoration:none;text-transform:uppercase}.button:hover{background:var(--navy-dark)}.button.disabled{background:#737b84;border-color:#737b84;cursor:not-allowed;opacity:.7}
footer{padding:42px 0;background:var(--navy-dark);color:var(--lightgray)}.footer-grid{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}.footer-brand{color:#fff;font-family:var(--serif);font-size:18px}.footer-links{display:flex;gap:18px;flex-wrap:wrap;font-size:13px}.footer-links a{color:var(--lightgray)}.footer-fine{border-top:1px solid #35536a;color:#aeb8c0;font-size:12px;margin-top:24px;padding-top:18px}
@media(max-width:760px){.wrap{padding:0 20px}.navlinks{gap:12px;font-size:11px}.navlinks a:nth-child(2){display:none}.brand{font-size:15px}.brand img{height:30px}.hero{padding:58px 0 44px}h1{font-size:34px}main section{padding:48px 0}}
@media(max-width:520px){nav{gap:10px}.navlinks{display:none}.brand{font-size:14px;letter-spacing:.02em}.brand img{height:28px}}