:root{--paper:#FFFFFF;--stone:#F6F5F1;--navy:#0B274B;--navy-2:#14376A;--slate:#5B6474;--rule:#E3E1DA;--gold:#B7945A;--gold-soft:#D9BF8C;
--serif:"Newsreader","Iowan Old Style","Palatino Linotype",Georgia,serif;--sans:"Manrope",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Helvetica,Arial,sans-serif;--wrap:1160px;--r:4px;color-scheme:light}
*{box-sizing:border-box}
html{overflow-x:clip;scroll-behavior:smooth;scroll-padding-top:90px;background:var(--paper)}
body{margin:0;background:var(--paper);color:var(--navy);font-family:var(--sans);font-size:16px;line-height:1.65;overflow-x:clip;-webkit-font-smoothing:antialiased}
a{color:inherit}
:focus-visible{outline:1.5px solid var(--gold);outline-offset:4px}
[hidden]{display:none!important}
.wrap{width:100%;max-width:none;margin:0 auto;padding-inline:clamp(20px,5vw,120px)}
h1,h2,h3{font-family:var(--serif);font-weight:300;margin:0;letter-spacing:-.01em;text-wrap:balance}
p{margin:0}
em{font-style:italic;color:var(--gold)}
.label{font-size:11px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;font:600 12px/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;text-decoration:none;padding:17px 26px;border-radius:var(--r);border:1px solid var(--navy);cursor:pointer;transition:background .25s,color .25s,border-color .25s,opacity .25s}
.btn-solid{background:var(--navy);color:#fff}.btn-solid:hover{background:var(--navy-2)}.btn-solid[disabled]{opacity:.6;cursor:wait}
.btn-line{background:transparent;color:var(--navy)}.btn-line:hover{background:var(--navy);color:#fff}
.arr{display:inline-block;width:18px;height:1px;background:currentColor;position:relative;flex:none}
.arr::after{content:"";position:absolute;right:0;top:-3px;width:7px;height:7px;border-top:1px solid currentColor;border-right:1px solid currentColor;transform:rotate(45deg)}
.textlink{display:inline-flex;align-items:center;gap:12px;font-size:12px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;text-decoration:none;color:var(--navy);padding-bottom:6px;border-bottom:1px solid var(--gold)}

/* header */
.hdr{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--rule);padding-top:env(safe-area-inset-top,0px)}
.hdr-in{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand .logo{height:46px;width:auto;display:block}
.logo-ft{height:52px!important}
.word{display:flex;flex-direction:column;line-height:1}
.word b{font-family:var(--serif);font-weight:400;font-size:19px;letter-spacing:.34em}
.word span{font-size:8.5px;font-weight:600;letter-spacing:.62em;color:var(--slate);margin-top:6px}
.nav{display:flex;align-items:center;gap:34px;font-size:13px;font-weight:500;letter-spacing:.04em}
.nav > a,.dd > summary{text-decoration:none;color:var(--slate);transition:color .2s;cursor:pointer}
.nav > a:hover,.dd > summary:hover,.nav > a[aria-current],.dd.on > summary{color:var(--navy)}
.nav > a[aria-current]{box-shadow:inset 0 -1px 0 var(--gold);padding-bottom:4px;margin-bottom:-5px}
.dd{position:relative}
.dd > summary{list-style:none;display:flex;align-items:center;gap:8px}
.dd > summary::-webkit-details-marker{display:none}
.dd > summary::after{content:"";width:5px;height:5px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:rotate(45deg);margin-top:-3px;transition:transform .2s}
.dd[open] > summary::after{transform:rotate(-135deg);margin-top:3px}
.dd-menu{position:absolute;top:calc(100% + 26px);left:-28px;width:min(360px,90vw);background:#fff;border:1px solid var(--rule);box-shadow:0 30px 60px -30px rgba(11,28,54,.35);padding:8px;display:grid}
.dd-menu a{display:grid;gap:3px;padding:14px 18px;text-decoration:none;color:var(--navy);font-size:14px;font-weight:600;letter-spacing:.01em;border-radius:2px}
.dd-menu a span{font-weight:400;color:var(--slate);font-size:13px;letter-spacing:0}
.dd-menu a:hover,.dd-menu a[aria-current]{background:var(--stone)}
.hdr .btn{padding:13px 18px;font-size:11px}
.mnav{display:none}
.mnav > summary{list-style:none;cursor:pointer;font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;display:flex;align-items:center;gap:10px;padding:12px 0}
.mnav > summary::-webkit-details-marker{display:none}
.burger{width:20px;height:9px;position:relative;border-top:1px solid var(--navy);border-bottom:1px solid var(--navy)}
.mnav[open] .burger{border:0}
.mnav[open] .burger::before,.mnav[open] .burger::after{content:"";position:absolute;left:0;right:0;top:4px;height:1px;background:var(--navy);transform:rotate(45deg)}
.mnav[open] .burger::after{transform:rotate(-45deg)}
.mnav-panel{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--rule);box-shadow:0 30px 40px -30px rgba(11,28,54,.3);padding:8px 20px 28px;max-height:calc(100vh - 80px);overflow:auto}
.mnav-panel a{display:block;padding:16px 0;border-bottom:1px solid var(--rule);text-decoration:none;font-family:var(--serif);font-size:22px;font-weight:400}
.mnav-panel a[aria-current]{color:var(--gold)}
.mlabel{font-size:10.5px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);padding:22px 0 4px}
.mnav-panel .sub{padding-left:16px;font-size:18px;color:var(--slate)}
.mnav-panel .btn{margin-top:22px;width:100%;font-family:var(--sans);font-size:12px;border:1px solid var(--navy)}

/* heroes */
.hero{padding-block:110px 100px}
.hero-grid{display:grid;grid-template-columns:7fr 4fr;gap:72px;align-items:end}
.hero-grid > *{min-width:0}
.hero h1{font-size:clamp(44px,6.4vw,112px);line-height:1.02;margin-top:28px}
.lede{margin-top:30px;max-width:68ch;font-size:18px;color:var(--slate)}
.ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:44px}
.facts{border-top:1px solid var(--navy)}
.fact{display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:18px 0;border-bottom:1px solid var(--rule)}
.fact span{font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--slate);white-space:nowrap}
.fact b{font-family:var(--serif);font-weight:400;font-size:20px;text-align:right}
.phero{padding-block:100px 80px;border-bottom:1px solid var(--rule);background:linear-gradient(180deg,var(--stone),var(--paper))}
.phero h1{font-size:clamp(40px,5.4vw,92px);line-height:1.04;margin-top:24px;max-width:22ch}
.crumbs{font-size:12px;color:var(--slate);margin-bottom:22px;display:flex;gap:10px;flex-wrap:wrap}
.crumbs a{text-decoration:none}.crumbs a:hover{color:var(--navy)}

/* sections */
.sec{padding-block:110px}
.sec.stone{background:var(--stone)}
.sec + .sec:not(.stone):not(.navy){border-top:1px solid var(--rule)}
.split{display:grid;grid-template-columns:4fr 8fr;gap:72px}
.split > *{min-width:0}
.sec h2{font-size:clamp(32px,4vw,68px);line-height:1.08}
.prose{font-size:clamp(17px,1.15vw,20px);color:var(--slate);max-width:72ch;display:grid;gap:22px}
.prose .lead{font-family:var(--serif);font-size:clamp(22px,2vw,34px);line-height:1.4;color:var(--navy);font-weight:300}
.h2-gap{margin-top:22px}
.principles{display:grid;grid-template-columns:repeat(3,1fr);margin-top:64px;border-top:1px solid var(--navy)}
.pr{padding:36px 36px 0 0;min-width:0}
.pr + .pr{padding-left:36px;border-left:1px solid var(--rule)}
.pr h3{font-size:26px;font-weight:400;margin-top:14px}
.pr p{margin-top:14px;color:var(--slate);font-size:15.5px}
.rows{margin-top:56px;border-top:1px solid var(--navy)}
.m{display:grid;grid-template-columns:4fr 5fr 3fr;gap:32px;padding:30px 0;border-bottom:1px solid var(--rule);align-items:baseline}
.m > *{min-width:0}
.m h3{font-size:24px;font-weight:400}
.m p{color:var(--slate);font-size:15.5px}
.m .inst{font-size:11.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);text-align:right;line-height:1.9}
.rows.two .m{grid-template-columns:4fr 8fr}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule);margin-top:56px}
.cards.three{grid-template-columns:repeat(3,1fr)}
.card{background:var(--paper);padding:40px 36px 34px;display:flex;flex-direction:column;gap:14px;text-decoration:none;color:var(--navy);transition:background .25s;min-width:0}
.card:hover{background:#FBFAF7}
.card h3{font-size:28px;font-weight:400}
.cards.three .card h3{font-size:24px}
.card p{color:var(--slate);font-size:15.5px}
.card .inst{font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.card .more{margin-top:auto;padding-top:14px;font-size:11.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;display:flex;align-items:center;gap:12px}
.card:hover .arr{width:26px}
.arr{transition:width .25s}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule);margin-top:56px}
.cell{background:var(--paper);padding:28px 26px;min-width:0}
.stone .cell{background:var(--paper)}
.cell b{display:block;font-family:var(--serif);font-weight:400;font-size:21px;line-height:1.25}
.cell span{display:block;margin-top:8px;color:var(--slate);font-size:14.5px}
.checklist{list-style:none;margin:40px 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 40px;border-top:1px solid var(--navy)}
.checklist li{padding:20px 0 20px 30px;border-bottom:1px solid var(--rule);position:relative;font-size:15.5px;color:var(--navy);min-width:0}
.checklist li::before{content:"";position:absolute;left:2px;top:29px;width:12px;height:1px;background:var(--gold)}
.steps{margin-top:56px;border-top:1px solid var(--navy)}
.step{display:grid;grid-template-columns:120px 4fr 7fr;gap:32px;padding:34px 0;border-bottom:1px solid var(--rule);align-items:baseline}
.step > *{min-width:0}
.step .num{font-family:var(--serif);font-style:italic;font-size:34px;color:var(--gold);line-height:1}
.step h3{font-size:26px;font-weight:400}
.step p{color:var(--slate);font-size:15.5px}
.faq{margin-top:56px;border-top:1px solid var(--navy)}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{cursor:pointer;list-style:none;padding:26px 0;font-family:var(--serif);font-size:22px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:11px;height:11px;background:linear-gradient(var(--gold),var(--gold)) center/11px 1px no-repeat,linear-gradient(var(--gold),var(--gold)) center/1px 11px no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 40px 26px 0;color:var(--slate);font-size:16px;max-width:80ch}

/* navy */
.navy{background:var(--navy);color:#E9ECF2;position:relative;overflow:hidden}
.navy::after{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(700px 360px at 100% 0%,rgba(180,145,74,.16),transparent 65%)}
.navy .wrap{position:relative;z-index:1}
.navy h2{color:#fff}
.navy em{color:var(--gold-soft)}
.navy .label{color:var(--gold-soft)}
.navy .prose{color:#AEB6C4}
.navy .prose .lead{color:#fff}
.docs{margin-top:44px;display:grid;border-top:1px solid rgba(216,192,138,.5)}
.doc{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.doc-t{display:grid;gap:4px;min-width:0}
.doc-t b{font-family:var(--serif);font-weight:400;font-size:21px;color:#fff}
.doc-t p{font-size:14.5px;color:#AEB6C4;max-width:60ch}
.doc > span{font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-soft);display:flex;align-items:center;gap:8px;white-space:nowrap}
.doc svg{width:12px;height:12px}
.navy .btn-line{border-color:var(--gold-soft);color:#fff;margin-top:40px}
.navy .btn-line:hover{background:var(--gold-soft);color:var(--navy)}
.navy .textlink{color:#fff}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:40px;flex-wrap:wrap}
.cta-band h2{max-width:24ch}
.cta-band .btn-line{margin-top:0}
.sec.cta-band{padding-block:90px}

/* contact */
.intro-grid{display:grid;grid-template-columns:4fr 7fr;gap:72px}
.intro-grid > *{min-width:0}
.contact-lines{display:grid;gap:22px;font-size:15px;border-top:1px solid var(--navy);padding-top:26px}
.contact-lines div{display:grid;gap:4px}
.contact-lines span{font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--slate)}
.contact-lines a{font-weight:500;text-decoration:none;border-bottom:1px solid var(--rule);justify-self:start}
form{display:grid;grid-template-columns:1fr 1fr;gap:26px 28px}
.f{display:flex;flex-direction:column;gap:8px;min-width:0}
.f.full{grid-column:1/-1}
label{font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--slate)}
input,select,textarea{font:400 17px var(--sans);color:var(--navy);background:transparent;border:0;border-bottom:1px solid #C9CDD5;border-radius:0;padding:10px 0 12px;width:100%;appearance:none;-webkit-appearance:none;transition:border-color .2s}
textarea{resize:vertical;min-height:110px}
select{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8'><path d='M1 1l5 5 5-5' fill='none' stroke='%235B6474' stroke-width='1.3'/></svg>");background-repeat:no-repeat;background-position:right 2px center;padding-right:24px}
input:focus,select:focus,textarea:focus{outline:none;border-bottom-color:var(--gold)}
input::placeholder,textarea::placeholder{color:#A7ADB8}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-foot{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-top:8px}
.form-foot p{font-size:12px;color:var(--slate);max-width:420px;line-height:1.6}
.err{border-bottom-color:#B3261E!important}
.form-error{grid-column:1/-1;font-size:14px;color:#B3261E}
.done{border-top:1px solid var(--navy);padding-top:36px}
.done h3{font-size:34px}
.done p{margin-top:14px;color:var(--slate);font-size:17px;max-width:520px}
.legal h2{font-size:26px;font-weight:400;margin:44px 0 12px;padding-top:26px;border-top:1px solid var(--rule)}
.legal p,.legal li{color:#2D3A50;font-size:16px;line-height:1.75}
.legal ul{padding-left:20px}
.legal{max-width:80ch}

/* footer */
footer{background:var(--navy);color:#9AA4B5;padding-block:80px 48px;font-size:13.5px;padding-bottom:calc(48px + env(safe-area-inset-bottom,0px))}
.ft{display:grid;grid-template-columns:4fr 3fr 3fr 3fr;gap:40px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.1)}
.ft > *{min-width:0}
footer .word b{color:#fff}
footer .word span{color:var(--gold-soft)}
.ft p.tag{margin-top:20px;max-width:300px;line-height:1.7}
.fcol h4{margin:0 0 16px;font-size:11px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-soft)}
.fcol a,.fcol span{display:block;text-decoration:none;padding:5px 0}
.fcol a:hover{color:#fff}
.disc{margin-top:32px;font-size:11.5px;line-height:1.8;max-width:none}
.cr{margin-top:20px;font-size:11.5px;letter-spacing:.06em;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

@media (max-width:1060px){.nav{gap:24px}}
@media (max-width:960px){
  .nav,.hdr-cta{display:none}
  .mnav{display:block}
  .hero-grid,.split,.intro-grid{grid-template-columns:1fr;gap:44px}
  .m,.rows.two .m{grid-template-columns:1fr;gap:10px}
  .m .inst{text-align:left}
  .cards.three,.grid3{grid-template-columns:1fr 1fr}
  .step{grid-template-columns:70px 1fr;gap:10px 20px}
  .step p{grid-column:2}
  .ft{grid-template-columns:1fr 1fr}
  .ft > :first-child{grid-column:1/-1}
}
@media (max-width:768px){
  .hero{padding-block:72px}
  .phero{padding-block:64px 56px}
  .sec{padding-block:80px}
  .principles{grid-template-columns:1fr;margin-top:44px}
  .pr,.pr + .pr{padding:28px 0;border-left:0;border-bottom:1px solid var(--rule)}
  .pr:last-child{border-bottom:0}
  .cards,.cards.three{grid-template-columns:1fr}
  .checklist{grid-template-columns:1fr}
  .ctas .btn{flex:1 1 100%}
}
@media (max-width:600px){
  .grid3{grid-template-columns:1fr}
  form{grid-template-columns:1fr}
  .form-foot .btn{width:100%}
  .doc{flex-direction:column;align-items:flex-start;gap:8px}
  .lede{font-size:17px}
  .card{padding:32px 24px 28px}
  .ft{grid-template-columns:1fr}
  .cta-band .btn{width:100%}
  .faq summary{font-size:20px}
}
@media (max-width:600px){.brand .logo{height:38px}.logo-ft{height:46px!important}}
@media (max-width:400px){
  .word b{font-size:17px;letter-spacing:.28em}
  .fact b{font-size:18px}
}
@media (min-width:1800px){body{font-size:17px}.m p,.pr p,.card p,.step p,.cell span,.checklist li{font-size:16.5px}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}html{scroll-behavior:auto}}