:root{--navy:#14304a;--sea:#2c6e8f;--sand:#f6efe3;--foam:#fbf8f2;--ink:#1e2a33;--muted:#5d6b76;--line:#e3d9c6;--accent:#c4703a}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:18px/1.7 Georgia,"Times New Roman",serif;color:var(--ink);background:var(--foam)}
h1,h2,h3,.brand,.btn,nav,.meta,.eyebrow,.site-footer{font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
h1{font-size:clamp(2rem,5vw,3rem);line-height:1.15;color:var(--navy);margin:.4em 0 .3em}
h2{font-size:1.5rem;color:var(--navy);margin:2em 0 .4em;line-height:1.25}
h3{font-size:1.15rem;margin:1.4em 0 .2em;color:var(--navy)}
a{color:var(--sea)}a:hover{color:var(--accent)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.narrow{max-width:720px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.site-header{background:var(--navy)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:12px;flex-wrap:wrap}
.brand{color:#fff;text-decoration:none;font-weight:700;font-size:1.2rem;letter-spacing:.02em}
.site-header nav a{color:#dbe8f0;text-decoration:none;margin-left:18px;font-size:.95rem}
.site-header nav a:hover{color:#fff}
.btn{display:inline-block;background:var(--accent);color:#fff!important;padding:12px 22px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem}
.btn:hover{background:#a95a29}
.btn.small{padding:7px 16px;font-size:.9rem}
.site-header .btn.small{margin-left:18px}
.btn.ghost{background:transparent;border:2px solid var(--navy);color:var(--navy)!important}
.hero{background:linear-gradient(180deg,var(--sand),var(--foam));padding:64px 0 40px}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;color:var(--sea);font-weight:600;font-size:.8rem;margin:0}
.lead{font-size:1.2rem;color:var(--muted);max-width:640px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:20px;margin:20px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.card h3{margin:.2em 0 .4em}.card h3 a{text-decoration:none;color:var(--navy)}
.card p{margin:.3em 0;font-size:.98rem}
.meta{color:var(--muted);font-size:.85rem;margin:0}
.crumbs{font-size:.85rem;font-family:system-ui,sans-serif;margin-top:24px;color:var(--muted)}
article blockquote{margin:1.2em 0;padding:.6em 1.2em;border-left:4px solid var(--sea);background:var(--sand);border-radius:0 8px 8px 0}
article blockquote p{margin:.3em 0}
.cta{background:var(--navy);color:#fff;border-radius:14px;padding:28px;margin:48px 0;text-align:center}
.cta h2{color:#fff;margin-top:0}.cta p{color:#dbe8f0}
.faq{margin-top:2.5em}
.site-footer{background:var(--navy);color:#dbe8f0;padding:32px 0;margin-top:60px;font-size:.95rem}
.site-footer a{color:#fff}.site-footer p{margin:.4em 0}.fine{color:#9fb6c6;font-size:.8rem}
@media(max-width:560px){body{font-size:17px}.hero{padding:40px 0 24px}.site-header nav a{margin-left:12px}.site-header .btn.small{margin-left:12px}}