*, *::before, *::after { box-sizing: border-box; }
body { margin: 0; padding: 0; background: #f5f4f0; color: #2B2D33; }
a { text-decoration: none; color: inherit; }
img { display: block; max-width: 100%; }
.ns { scrollbar-width: none; }
.ns::-webkit-scrollbar { display: none; }
@keyframes fadeUp { from { opacity:0; transform:translateY(28px); } to { opacity:1; transform:none; } }
.fu { animation: fadeUp .8s ease both; }
*, *::before, *::after { box-sizing: border-box; } body { margin: 0; padding: 0; background: #f5f4f0; color: #2B2D33; } a { text-decoration: none; color: inherit; } img { display: block; max-width: 100%; } .ns { scrollbar-width: none; } .ns::-webkit-scrollbar { display: none; }
input, select, textarea { font-family: 'Source Sans 3', sans-serif; }
input:focus, select:focus, textarea:focus { outline: none; border-color: #152D58 !important; box-shadow: 0 0 0 3px rgba(21,45,88,.12); }
input, textarea { font-family: 'Source Sans 3', sans-serif; } input:focus, textarea:focus { outline: none; border-color: #152D58 !important; box-shadow: 0 0 0 3px rgba(21,45,88,.12); }
body{font-family:'Source Sans 3',system-ui,sans-serif;line-height:1.6}
.site-nav{position:sticky;top:0;z-index:200;background:#101D32;box-shadow:0 2px 16px rgba(0,0,0,.35)}
.site-nav .in{max-width:1280px;margin:0 auto;padding:0 24px;height:70px;display:flex;align-items:center;gap:4px}
.site-nav .brand{display:flex;align-items:center;gap:12px;flex-shrink:0;margin-right:16px}
.site-nav .brand img{width:46px;height:46px;border-radius:50%;object-fit:cover;background:#fff}
.site-nav .brand b{display:block;font-family:'Merriweather',serif;font-size:16px;color:#fff;line-height:1}
.site-nav .brand small{display:block;font-size:9px;color:#F2A104;letter-spacing:.8px;margin-top:3px;line-height:1}
.site-nav .links{flex:1;display:flex;align-items:center;gap:2px;overflow-x:auto}
.site-nav .links a{font-size:13px;font-weight:500;color:#ABB3C2;padding:6px 12px;white-space:nowrap;border-radius:3px}
.site-nav .links a:hover,.site-nav .links a.on{color:#fff;background:rgba(255,255,255,.12);font-weight:600}
.site-nav .cta{flex-shrink:0;font-size:13px;font-weight:600;color:#2B2D33;background:#F2A104;padding:9px 20px;border-radius:4px;white-space:nowrap;margin-left:8px}
@media(max-width:760px){
  .site-nav{position:static}
  .site-nav .in{flex-wrap:wrap;height:auto;padding:10px 16px 0;row-gap:6px}
  .site-nav .brand{margin-right:auto}.site-nav .brand small{display:none}
  .site-nav .cta{padding:8px 14px}
  .site-nav .links{order:3;flex-basis:100%;padding-bottom:8px;margin:0 -16px;padding-left:10px;padding-right:10px}
  .jnav{top:0}
}
@media(max-width:760px){
  /* the original design uses fixed multi-column inline grids; stack them on phones */
  main [style*="grid-template-columns"]{grid-template-columns:1fr !important}
  main [style*="display:flex"]{flex-wrap:wrap}
  main [style*="padding:36px"]{padding:22px !important}
  main section{padding-left:16px !important;padding-right:16px !important}
}
.cols>*{min-width:0}
.prose{overflow-wrap:anywhere}
.hero{background:linear-gradient(135deg,#101D32,#172641);color:#fff;padding:56px 24px 48px}
.hero .in,.wrap{max-width:1180px;margin:0 auto}
.wrap{padding:36px 24px 56px}
.crumb{font-size:13px;color:#ABB3C2;margin-bottom:12px}.crumb a{color:#D1D6DF}.crumb a:hover{text-decoration:underline}
.hero h1{font-family:'Merriweather',serif;font-size:clamp(26px,4vw,40px);line-height:1.2;margin:0 0 12px}
.hero p.lead{font-size:18px;color:#D1D6DF;max-width:760px;margin:0}
.hero .meta{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:18px;font-size:14px;color:#D1D6DF}
.hero .meta span b{color:#F2A104;font-weight:600}
.btn-gold{display:inline-block;background:#F2A104;color:#2B2D33;font-weight:700;padding:12px 24px;border-radius:6px}
.btn-line{display:inline-block;border:1.5px solid #D1D6DF;color:#fff;font-weight:600;padding:11px 22px;border-radius:6px}
.btn-teal{display:inline-block;background:#152D58;color:#fff;font-weight:600;padding:11px 22px;border-radius:6px}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.jnav{background:#fff;border-bottom:1px solid #E2E4E7;position:sticky;top:70px;z-index:100}
.jnav .in{max-width:1180px;margin:0 auto;padding:0 16px;display:flex;gap:2px;overflow-x:auto}
.jnav a{padding:14px 12px;font-size:14px;font-weight:600;color:#525C6E;white-space:nowrap;border-bottom:3px solid transparent}
.jnav a.on,.jnav a:hover{color:#101D32;border-bottom-color:#F2A104}
.cols{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:32px}
@media(max-width:900px){.cols{grid-template-columns:1fr}}
.prose h2{font-family:'Merriweather',serif;font-size:22px;color:#101D32;margin:32px 0 12px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:17px;color:#101D32;margin:22px 0 8px}
.prose p,.prose li{font-size:16.5px;color:#2B2D33}
.prose ul{padding-left:20px}.prose li{margin:6px 0}
.prose a{color:#152D58;text-decoration:underline}
.panel{background:#fff;border:1px solid #E2E4E7;border-radius:10px;padding:20px 22px;margin-bottom:18px}
.panel h3{font-family:'Merriweather',serif;font-size:15px;color:#101D32;margin:0 0 12px}
.facts{margin:0}.facts div{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid #EFF0F2;font-size:14px}
.facts div:last-child{border-bottom:0}.facts dt{color:#757D8A}.facts dd{margin:0;text-align:right;font-weight:600;color:#2B2D33}
table.t{width:100%;border-collapse:collapse;background:#fff;font-size:14.5px;margin:12px 0 8px}
table.t th{background:#EFF1F5;color:#101D32;text-align:left;padding:10px 12px;font-weight:700;border-bottom:2px solid #D7DCE4}
table.t td{padding:10px 12px;border-bottom:1px solid #EFF0F2;vertical-align:top}
.tablewrap{overflow-x:auto}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px}
.jcard{background:#fff;border:1px solid #E2E4E7;border-radius:12px;overflow:hidden;display:flex;flex-direction:column}
.jcard .band{height:8px}
.jcard .body{padding:22px 24px;flex:1;display:flex;flex-direction:column}
.jcard h2{font-family:'Merriweather',serif;font-size:21px;line-height:1.3;color:#101D32;margin:0 0 6px}
.jcard .abbr{font-size:13px;font-weight:700;letter-spacing:.8px;color:#152D58;margin-bottom:10px}
.jcard p{color:#4C4F55;margin:0 0 16px}
.jcard .row{display:flex;flex-wrap:wrap;gap:10px;margin-top:auto}
.steps{list-style:none;padding:0;margin:12px 0;counter-reset:s}
.steps li{position:relative;padding:12px 0 12px 48px;border-bottom:1px solid #EFF0F2}
.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:12px;width:32px;height:32px;border-radius:50%;background:#101D32;color:#F2A104;font-weight:700;display:grid;place-items:center}
.steps b{color:#101D32}.steps .time{color:#152D58;font-size:14px;font-weight:600;margin-left:6px}
.alist{list-style:none;padding:0}.alist li{padding:16px 0;border-bottom:1px solid #E2E4E7}
.alist .t{font-family:'Merriweather',serif;font-size:17px;color:#101D32;font-weight:700}
.muted{color:#757D8A}.small{font-size:14px}
.site-form label{display:block;font-size:14px;font-weight:600;color:#2B2D33;margin:14px 0 6px}
.site-form label span.req{color:#C0392B}
.site-form input[type=text],.site-form input[type=email],.site-form input[type=tel],.site-form select,.site-form textarea{width:100%;padding:11px 14px;border:1.5px solid #D6D9DF;border-radius:6px;font-size:15px;background:#fff}
.site-form .two{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}@media(max-width:640px){.site-form .two{grid-template-columns:1fr}}
.site-form button{margin-top:18px;background:#152D58;color:#fff;border:0;font-size:15px;font-weight:700;padding:13px 26px;border-radius:6px;cursor:pointer}
.site-form .hp{position:absolute;left:-9999px}
.notice{padding:14px 16px;border-radius:8px;margin:0 0 16px;font-size:15px}.notice.ok{background:#E6F4EA;color:#1B5E32}.notice.err{background:#FBE9E7;color:#8A1C12}
.pdf-cta{display:inline-block;background:#152D58;color:#fff;font-weight:700;padding:11px 22px;border-radius:6px}
details summary{cursor:pointer;color:#152D58;font-weight:600}
pre.bib{white-space:pre-wrap;font:13px/1.5 Consolas,monospace;background:#fff;border:1px solid #E2E4E7;padding:12px;border-radius:6px}