:root{--navy:#102b3b;--blue:#2f6678;--cream:#f5f0e6;--gold:#c9a85e;--ink:#17242b;--muted:#68757b;--line:#e5dfd3}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65}a{color:inherit}img{max-width:100%;height:auto;display:block}
.top{background:var(--navy);color:white;text-align:center;padding:8px 15px;font-size:12px}.nav{height:70px;width:92%;max-width:1150px;margin:auto;display:flex;align-items:center;justify-content:space-between}.brand{font:800 21px Georgia;color:var(--navy);text-decoration:none}.brand span{color:var(--gold)}nav{display:flex;gap:20px;align-items:center;font-size:14px}nav a{text-decoration:none}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:999px;padding:14px 23px;font-weight:800;text-decoration:none;cursor:pointer}.primary{background:var(--gold);color:#17242b}.dark{background:var(--navy);color:white}
header{position:sticky;top:0;z-index:20;background:#fffffff4;border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.hero{background:linear-gradient(90deg,#071e2ceF,#0b3040d9,#0b304030),url('https://images.unsplash.com/photo-1559757175-0eb30cd8c063?auto=format&fit=crop&w=1800&q=85') center/cover;min-height:680px;color:white;display:flex;align-items:center}.wrap{width:92%;max-width:1150px;margin:auto}.hero-copy{max-width:750px;padding:90px 0}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:800;color:#ead49d;margin-bottom:15px}.hero h1{font:700 clamp(45px,6vw,72px)/1.03 Georgia;margin:0 0 22px}.hero p{font-size:19px;color:#e1ecef;margin:0 0 28px}.note{font-size:12px;color:#c8d6da;margin-top:15px}
section{padding:80px 0}.center{max-width:780px;text-align:center;margin:0 auto 42px}.center h2,.copy h2{font:700 clamp(34px,4vw,50px)/1.08 Georgia;color:var(--navy);margin:0 0 15px}.center p,.copy p{color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:20px;padding:28px;background:white;box-shadow:0 8px 28px #102b3b0d}.card h3{font:700 25px/1.15 Georgia;color:var(--navy);margin:9px 0}.card p{color:var(--muted);margin:0}.num{font-size:11px;font-weight:900;letter-spacing:.15em;color:#97742f}
.cream{background:var(--cream)}.split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}.photo{border-radius:25px;overflow:hidden;box-shadow:0 20px 55px #102b3b20}.photo img{width:100%;aspect-ratio:4/3;object-fit:cover}.checks{display:grid;gap:15px;margin:25px 0}.check{display:flex;gap:12px}.tick{width:28px;height:28px;border-radius:50%;background:#eee1c5;color:#735a24;display:grid;place-items:center;flex:0 0 28px;font-weight:900}
.darksec{background:var(--navy)}.darksec .center h2{color:white}.darksec .center p{color:#cad8dc}.darksec .card{background:#173e4d;border-color:#285766}.darksec .card h3{color:white}.darksec .card p{color:#c8d8dd}
.faq{max-width:900px;margin:auto}details{border-bottom:1px solid var(--line);padding:20px 0}summary{cursor:pointer;font-weight:800;color:var(--navy);font-size:17px}details p{color:var(--muted)}
.warning{background:#fff9e9;border:1px solid #e7d39f;border-radius:16px;padding:20px;margin-top:25px;color:#59491f}.cta{background:linear-gradient(135deg,#102b3b,#275f70);color:white;border-radius:28px;text-align:center;padding:55px 30px}.cta h2{font:700 43px/1.08 Georgia;color:white;margin:0 0 14px}.cta p{max-width:750px;margin:0 auto 25px;color:#d7e4e8}.disclosure{font-size:11px;color:#b9c9ce;max-width:850px;margin:20px auto 0}
footer{background:#081f2a;color:#c8d7dc;padding:55px 0 110px}.foot{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:35px}footer h3{color:white;font-family:Georgia}footer ul{list-style:none;padding:0;display:grid;gap:8px}footer a{text-decoration:none}.copyr{border-top:1px solid #294450;margin-top:35px;padding-top:20px;font-size:12px;color:#91a7b0}
.sticky{position:fixed;z-index:30;left:50%;bottom:14px;transform:translateX(-50%);width:min(680px,calc(100% - 22px));background:white;border:1px solid #d8d0c2;border-radius:18px;padding:10px 12px 10px 18px;display:flex;align-items:center;justify-content:space-between;gap:12px;box-shadow:0 18px 55px #0004}.sticky span{font-size:13px;font-weight:800;color:var(--navy)}
.legal{max-width:850px;margin:auto;padding:75px 20px}.legal h1{font:700 54px/1.05 Georgia;color:var(--navy)}.legal h2{font:700 28px Georgia;color:var(--navy);margin-top:35px}.legal p,.legal li{color:var(--muted)}
@media(max-width:800px){nav{display:none}.nav{height:62px}.hero{min-height:690px}.hero-copy{padding:70px 0}.hero p{font-size:17px}.grid,.split,.foot{grid-template-columns:1fr}section{padding:60px 0}.photo img{aspect-ratio:16/11}.cta h2{font-size:34px}.sticky span{font-size:11px;max-width:55%}.sticky .btn{padding:12px 15px;font-size:12px}}