*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:#12213a;background:#f7f8fb;line-height:1.6}a{color:#123c69}
.wrap{max-width:1180px;margin:auto;padding:0 24px}
header.site{background:#fff;border-bottom:3px solid #d9b85f;text-align:center;padding:26px 20px 20px}
.wordmark{font-size:34px;font-weight:900;letter-spacing:-.01em;color:#0f315a;margin:0;line-height:1.15}
.wordmark span{color:#8b6a1d}
.operating-line{margin:6px 0 0;font-size:14px;color:#44546a}
.header-actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:16px}
.quicknav{background:#fff;border-bottom:1px solid #dfe4eb;position:sticky;top:0;z-index:10;box-shadow:0 4px 12px rgba(15,39,71,.04)}
.navlinks{display:flex;gap:10px 18px;flex-wrap:wrap;justify-content:center;padding-top:12px;padding-bottom:12px}
.navlinks a{text-decoration:none;color:#203651;font-weight:800;font-size:14px;padding:6px 4px}
.hero{background:linear-gradient(135deg,#081a32 0%,#0f315a 65%,#183f6c 100%);color:#fff;padding:56px 0 60px}
.hero h1{font-size:46px;line-height:1.08;margin:0 0 18px;letter-spacing:-.02em;max-width:900px}
.hero .lead{font-size:20px;color:#edf3f9;margin:0;max-width:860px}
.eyebrow{text-transform:uppercase;letter-spacing:.15em;font-size:12px;font-weight:800;margin:0 0 12px;color:#dfc274}
.eyebrow.dark{color:#8b6a1d}
.hero-image{display:block;width:100%;max-width:900px;height:auto;margin:26px 0 0;border-radius:12px;box-shadow:0 10px 28px rgba(0,0,0,.25)}
.btn{display:inline-block;background:#d9b85f;color:#0d2645;text-decoration:none;font-weight:800;padding:13px 18px;border-radius:9px;border:1px solid transparent;cursor:pointer}
.btn.secondary{background:#0f2747;color:#fff}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn.dark-ghost{background:transparent;color:#0f2747;border-color:#0f2747}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
main{display:block}
.panel{max-width:1180px;margin:28px auto 0;padding:28px;background:#fff;border:1px solid #dfe4eb;border-radius:14px;box-shadow:0 6px 18px rgba(15,39,71,.05)}
.panel h2{margin-top:0;color:#0f315a;font-size:27px;line-height:1.25}
.panel-wrap{padding:0 24px}
.page-image{display:block;width:100%;max-width:900px;height:auto;margin:0 auto;border-radius:12px;box-shadow:0 10px 28px rgba(0,0,0,.18)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:18px;margin-top:20px}
.card{background:#fff;border:1px solid #dfe4eb;border-top:4px solid #d9b85f;border-radius:12px;padding:22px;box-shadow:0 6px 18px rgba(15,39,71,.05)}
.card h3{color:#0f315a;margin-top:0;font-size:21px}
.card a{font-weight:800}
.form-link{display:inline-block;padding:12px 18px;background:#0f315a;color:#fff;border-radius:8px;text-decoration:none;font-weight:700;margin:4px 6px 4px 0}
.form-link.gold{background:#d9b85f;color:#0d2645}
.note{font-size:14px;color:#5a6b7d}
ol.steps li,ul.checks li{margin-bottom:9px}
footer{background:#0f315a;color:#e8eef5;padding:38px 20px;margin-top:44px;font-size:14.5px}
footer .wrap{max-width:1180px}
footer a{color:#fff}
footer p{margin:7px 0}
.small{font-size:13px;color:#b9c7d6}
@media(max-width:700px){
  .wrap{padding-left:18px;padding-right:18px}
  .hero{padding-top:42px;padding-bottom:42px}
  .hero h1{font-size:33px}
  .hero .lead{font-size:17.5px}
  .wordmark{font-size:26px}
  .panel{padding:20px}
  .actions,.header-actions{display:grid;grid-template-columns:1fr}
  .actions .btn,.header-actions .btn{text-align:center}
  .navlinks{justify-content:flex-start}
}