:root{
  --ink:#1c2430; --muted:#5a6572; --navy:#14304d; --amber:#e8a33d;
  --bg:#ffffff; --soft:#f4f6f8; --line:#dde3e9; --radius:10px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--bg)}
a{color:var(--navy)}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff}
header.site .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:10px}
.brand{font-weight:700;font-size:1.15rem;color:#fff;text-decoration:none}
.brand span{color:var(--amber)}
nav.main a{color:#dbe6f0;text-decoration:none;margin-left:18px;font-size:.95rem}
nav.main a:hover{color:#fff;text-decoration:underline}
.hero{background:linear-gradient(180deg,#14304d,#1d4469);color:#fff;padding:52px 0 44px}
.hero h1{font-size:2.1rem;line-height:1.2;margin:0 0 14px}
.hero p{font-size:1.08rem;color:#d7e3ee;max-width:640px;margin:0 0 22px}
.btn{display:inline-block;background:var(--amber);color:#1c2430;font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:#d1912a}
.btn.secondary{background:#fff;color:var(--navy);border:2px solid var(--navy)}
section{padding:38px 0}
section.alt{background:var(--soft)}
h2{font-size:1.5rem;margin:0 0 14px;color:var(--navy)}
h3{font-size:1.12rem;margin:22px 0 8px;color:var(--navy)}
p{margin:0 0 14px}
ul{margin:0 0 14px;padding-left:22px}
li{margin-bottom:6px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:18px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.card h3{margin-top:0}
.card a{font-weight:600;text-decoration:none}
.card a:hover{text-decoration:underline}
table{border-collapse:collapse;width:100%;margin:14px 0 20px;background:#fff}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--soft)}
.note{background:#fdf6e7;border:1px solid #ecd9a8;border-radius:var(--radius);padding:14px 18px;margin:18px 0}
.formbox{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;max-width:640px}
.formbox label{display:block;font-weight:600;margin:14px 0 5px}
.formbox label:first-child{margin-top:0}
.formbox input,.formbox select,.formbox textarea{width:100%;padding:10px;border:1px solid #b9c4cf;border-radius:6px;font:inherit;background:#fff}
.formbox textarea{min-height:96px}
.formbox .btn{margin-top:18px;width:100%}
.fineprint{font-size:.85rem;color:var(--muted)}
details{border:1px solid var(--line);border-radius:var(--radius);padding:12px 16px;margin-bottom:10px;background:#fff}
summary{font-weight:600;cursor:pointer;color:var(--navy)}
details p{margin-top:8px}
footer.site{background:var(--navy);color:#c9d7e4;padding:30px 0;font-size:.9rem;margin-top:10px}
footer.site a{color:#fff}
.disclosure{border-top:1px solid #2c4d6e;padding-top:14px;margin-top:14px;font-size:.84rem;color:#a9bfd2}
.thanks{display:none;background:#eaf6ec;border:1px solid #bfe0c5;border-radius:var(--radius);padding:18px}
@media (max-width:640px){
  .hero h1{font-size:1.6rem}
  nav.main a{margin-left:12px}
  header.site .wrap{flex-direction:column;align-items:flex-start}
}