@font-face{font-family:"Montserrat";src:url(fonts/montserrat.woff) format("woff");font-weight:300 800;font-display:swap}
@font-face{font-family:"Libre Baskerville";src:url(fonts/librebaskerville.woff) format("woff");font-weight:400 700;font-display:swap}
:root{--navy:#061F4B;--gold:#DEAA3C;--link:#1F4E9C;--ink:#1b2333;--muted:#5a6475;--bg:#f6f7fa;--line:#e2e6ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:400 16px/1.65 Montserrat,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3{font-family:"Libre Baskerville",Georgia,serif;color:var(--navy);line-height:1.25;margin:0 0 .6em}
h1{font-size:clamp(1.8rem,5vw,3rem)}h2{font-size:clamp(1.4rem,3.5vw,2rem)}h3{font-size:1.15rem}
a{color:var(--link)}img{max-width:100%;height:auto}
.wrap{width:min(1140px,92%);margin:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
header{position:sticky;top:0;z-index:5;background:#fff;border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.nav img{height:40px;width:auto}
.menu-btn{background:none;border:1px solid var(--line);border-radius:6px;padding:8px 12px;font:600 14px Montserrat,sans-serif;color:var(--navy)}
nav ul{list-style:none;margin:0;padding:0;display:none}
nav.open ul{display:block;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);padding:8px 4%}
nav li a{display:block;padding:10px 4px;text-decoration:none;color:var(--navy);font-weight:600;font-size:15px}
nav li a[aria-current]{color:var(--link);border-bottom:2px solid var(--gold)}
@media(min-width:1000px){.menu-btn{display:none}nav ul{display:flex;gap:18px}nav li a{font-size:14px}}
.btn{font-family:inherit;display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:12px 22px;border-radius:6px;text-decoration:none;border:0;cursor:pointer;font-size:15px}
.btn.alt{background:transparent;color:#fff;border:2px solid #fff}.btn.out{background:transparent;border:2px solid var(--navy)}
.btn[aria-disabled=true]{opacity:.6;cursor:not-allowed}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#0c2f6b 100%);color:#fff;padding:64px 0}
.hero h1{color:#fff}.hero p{color:#dfe5f0;max-width:640px;font-size:1.08rem}.hero .eyebrow{color:var(--gold);font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:13px}
.hero .cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
section{padding:56px 0}.alt-bg{background:var(--bg)}
.grid{display:grid;gap:20px;grid-template-columns:1fr}
@media(min-width:700px){.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.g3{grid-template-columns:repeat(3,1fr)}.g5{grid-template-columns:repeat(5,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:8px;padding:22px}
.stat{font-family:"Libre Baskerville",serif;font-size:2rem;color:var(--navy)}
.note{font-size:13px;color:var(--muted)}
.draft{background:#fff4dc;border:1px dashed var(--gold);padding:10px 14px;border-radius:6px;font-weight:700;color:#7a5600;font-size:14px}
.ph{background:#eef2fa;border:1px dashed var(--link);padding:2px 6px;border-radius:4px}
form .f{display:grid;gap:6px;margin-bottom:14px}label{font-weight:600;font-size:14px}
input,select,textarea{font:inherit;padding:10px 12px;border:1px solid #c9d0dc;border-radius:6px;width:100%}
form .f.chk{display:flex;gap:10px;align-items:flex-start}form .chk input{width:18px;flex:0 0 18px;margin-top:5px}form .chk label{flex:1}
footer{background:var(--navy);color:#cfd7e6;padding:40px 0 20px;font-size:14px}footer a{color:#fff}
footer img{height:38px}footer .grid{gap:24px}footer h3{color:var(--gold);font-size:1rem}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:4px 0}
.legal-sec{border-left:3px solid var(--gold);padding-left:14px;margin:18px 0}