:root{--navy-950: #060f24;--navy-900: #0a1b3d;--navy-800: #11285a;--navy-700: #1a3774;--gold-500: #c9a24b;--gold-400: #d9b968;--gold-300: #f1dfae;--gold-700: #8f6f22;--ivory: #f7f4ec;--paper: #ffffff;--ink: #12203a;--muted: #56627b;--line: #e3e0d6;--line-dark: rgba(255, 255, 255, .14);--danger: #b3261e;--ok: #1d7a4b;--font-display: "Fraunces", "Georgia", "Times New Roman", serif;--font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;--radius: 14px;--radius-sm: 9px;--shadow-sm: 0 1px 2px rgba(10, 27, 61, .06), 0 2px 8px rgba(10, 27, 61, .05);--shadow-md: 0 8px 28px rgba(10, 27, 61, .12);--shadow-lg: 0 24px 60px rgba(6, 15, 36, .28);--container: 1200px;--header-h: 76px}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--header-h) + 16px)}body{margin:0;font-family:var(--font-body);font-size:16px;line-height:1.65;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}img,svg{max-width:100%;display:block}a{color:var(--navy-700);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--navy-900)}h1,h2,h3,h4{font-family:var(--font-display);font-weight:600;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;color:var(--navy-900)}h1{font-size:clamp(2.1rem,4.6vw,3.6rem)}h2{font-size:clamp(1.7rem,3vw,2.4rem)}h3{font-size:1.2rem}p{margin:0 0 1em}ul,ol{margin:0;padding:0;list-style:none}:focus-visible{outline:3px solid var(--gold-500);outline-offset:2px;border-radius:4px}.skip-link{position:absolute;left:12px;top:-60px;background:var(--gold-500);color:var(--navy-950);padding:10px 16px;border-radius:8px;font-weight:600;z-index:1000;transition:top .2s}.skip-link:focus{top:12px}.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}.container.narrow{max-width:820px}.center-text{text-align:center}.center-flex{justify-content:center}.center{text-align:center}.page-loading{min-height:60vh}.icon{flex:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 .95rem/1 var(--font-body);padding:14px 24px;border-radius:999px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;white-space:nowrap;transition:transform .15s ease,box-shadow .15s ease,background .15s ease,color .15s ease,border-color .15s ease}.btn:hover{transform:translateY(-1px)}.btn:disabled{opacity:.65;cursor:wait;transform:none}.btn-sm{padding:10px 18px;font-size:.875rem}.btn-lg{padding:17px 30px;font-size:1rem}.btn-block{display:flex;width:100%}.btn-gold{background:linear-gradient(180deg,var(--gold-400),var(--gold-500));color:var(--navy-950);box-shadow:0 6px 18px #c9a24b59}.btn-gold:hover{color:var(--navy-950);box-shadow:0 10px 26px #c9a24b80}.btn-navy{background:var(--navy-900);color:#fff}.btn-navy:hover{background:var(--navy-800);color:#fff}.btn-outline{border-color:var(--navy-900);color:var(--navy-900);background:transparent}.btn-outline:hover{background:var(--navy-900);color:#fff}.btn-outline-light{border-color:#ffffff80;color:#fff;background:transparent}.btn-outline-light:hover{background:#ffffff1f;border-color:#fff;color:#fff}.btn-ghost-dark{color:var(--navy-900);border-color:var(--line);background:#fff}.btn-ghost-dark:hover{border-color:var(--navy-900)}.link-arrow{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:.9rem;color:var(--navy-700);text-decoration:none}.link-arrow:hover{color:var(--navy-900);gap:10px}.link-arrow .icon{transition:transform .15s}.header{position:sticky;top:0;z-index:100;background:#fffffff5;backdrop-filter:saturate(160%) blur(10px);-webkit-backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid transparent;transition:box-shadow .2s,border-color .2s}.header.is-scrolled{border-color:var(--line);box-shadow:0 4px 22px #0a1b3d14}.topbar{background:var(--navy-950);color:#c7d0e4;font-size:.8rem}.topbar-in{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:36px}.topbar-msg,.topbar-links a{display:inline-flex;align-items:center;gap:7px}.topbar-links{display:flex;gap:22px}.topbar a{color:#e8edf8;text-decoration:none}.topbar a:hover{color:var(--gold-300)}.navbar{display:flex;align-items:center;justify-content:space-between;gap:24px;height:var(--header-h)}.logo{display:inline-flex;align-items:center;gap:12px;text-decoration:none}.logo-text{display:flex;flex-direction:column;line-height:1}.logo-word{font-family:var(--font-display);font-size:1.55rem;font-weight:700;color:var(--navy-900);letter-spacing:-.02em}.logo-word span{color:var(--gold-700)}.logo-sub{margin-top:5px;font-size:.62rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--muted)}.logo-light .logo-word{color:#fff}.logo-light .logo-word span{color:var(--gold-400)}.logo-light .logo-sub{color:#9fb0d3}.nav-desktop{display:flex;gap:4px}.nav-desktop a{position:relative;padding:10px 14px;font-weight:500;font-size:.94rem;color:var(--ink);text-decoration:none;border-radius:8px}.nav-desktop a:hover{color:var(--navy-700);background:var(--ivory)}.nav-desktop a.active{color:var(--navy-900);font-weight:600}.nav-desktop a.active:after{content:"";position:absolute;left:14px;right:14px;bottom:3px;height:2px;background:var(--gold-500);border-radius:2px}.nav-actions{display:flex;align-items:center;gap:10px}.menu-btn{display:none;background:transparent;border:0;padding:8px;color:var(--navy-900);cursor:pointer}.mobile-menu{display:none}.mobile-menu[hidden]{display:none!important}.hero{position:relative;overflow:hidden;background:radial-gradient(1100px 520px at 85% -10%,rgba(201,162,75,.22),transparent 60%),linear-gradient(135deg,var(--navy-950) 0%,var(--navy-900) 55%,var(--navy-800) 100%);color:#fff;padding:84px 0 96px}.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:56px 56px;mask-image:radial-gradient(ellipse at 70% 30%,#000 0%,transparent 70%);-webkit-mask-image:radial-gradient(ellipse at 70% 30%,#000 0%,transparent 70%);pointer-events:none}.hero>.container{position:relative}.hero h1{color:#fff;margin-bottom:.4em}.hero h1 em{font-style:italic;color:var(--gold-400)}.hero-page{padding:64px 0 72px}.hero-short{padding:56px 0 60px}.hero-split{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:56px;align-items:center}.hero-lead{font-size:1.18rem;line-height:1.6;color:#d3dcf0;max-width:62ch;margin-bottom:28px}.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:8px}.hero-proof{display:flex;flex-wrap:wrap;gap:36px;margin-top:44px;padding-top:28px;border-top:1px solid var(--line-dark)}.hero-proof li{display:flex;flex-direction:column}.hero-proof strong{font-family:var(--font-display);font-size:2.2rem;line-height:1;color:var(--gold-400)}.hero-proof span{margin-top:6px;font-size:.85rem;color:#aebbd9}.hero-card{background:#ffffff12;border:1px solid var(--line-dark);border-radius:20px;padding:26px;backdrop-filter:blur(6px);box-shadow:var(--shadow-lg)}.hero-card-title{display:flex;align-items:center;gap:8px;font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-300);margin-bottom:14px}.hero-card ul{display:grid;gap:12px;margin-bottom:18px}.hero-card li{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:16px;border-radius:12px;background:#060f2480;border:1px solid var(--line-dark)}.hero-card li>div{display:flex;flex-direction:column;gap:6px;align-items:flex-start;min-width:0}.hero-card li a:not(.btn){color:#fff;font-weight:600;line-height:1.3;text-decoration:none}.hero-card li a:not(.btn):hover{color:var(--gold-300)}.hero-card small{display:inline-flex;align-items:center;gap:5px;color:#aebbd9;font-size:.8rem}.hero-card .link-arrow{color:var(--gold-300)}.hero-card .link-arrow:hover{color:#fff}.hero-form{box-shadow:var(--shadow-lg)}.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-700);margin-bottom:14px}.eyebrow-gold{color:var(--gold-400)}.crumbs{font-size:.85rem;color:#aebbd9;margin-bottom:20px}.crumbs a{color:#d3dcf0;text-decoration:none}.crumbs a:hover{color:var(--gold-300)}.hero-badges{display:flex;gap:8px;margin-bottom:16px}.facts{display:flex;flex-wrap:wrap;gap:12px 28px;margin-bottom:28px;color:#d3dcf0}.facts li{display:inline-flex;align-items:center;gap:8px}.facts .icon{color:var(--gold-400)}.trust-strip{background:var(--ivory);border-bottom:1px solid var(--line)}.trust-strip-in{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px 28px;padding-top:18px;padding-bottom:18px}.trust-strip-in span{display:inline-flex;align-items:center;gap:9px;font-size:.9rem;font-weight:600;color:var(--navy-900)}.trust-strip-in .icon{color:var(--gold-700)}.section{padding:92px 0}.section-tight{padding:48px 0}.section-tint{background:var(--ivory)}.section-dark{background:linear-gradient(135deg,var(--navy-950),var(--navy-900) 70%,var(--navy-800));color:#d3dcf0}.section-dark h2,.section-dark h3{color:#fff}.section-head{max-width:720px;margin-bottom:44px}.section-head.center{margin-left:auto;margin-right:auto;text-align:center}.section-head .lead{font-size:1.1rem;color:var(--muted);margin:0}.section-head.light .eyebrow{color:var(--gold-400)}.section-head.light .lead{color:#c5d0ea}.section-row{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-bottom:44px}.section-row .section-head{margin-bottom:0}.h2-left{margin-bottom:28px}.h1-dark{color:var(--navy-900)}.lead-text{font-size:1.15rem;color:var(--muted)}.grid{display:grid;gap:24px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.badge{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 11px;border-radius:999px;background:#11285a14;color:var(--navy-700)}.hero-card .badge,.badge-light{background:#ffffff24;color:#e8edf8}.badge-gold{background:#c9a24b2e;color:var(--gold-700)}.hero .badge-gold{background:#c9a24b38;color:var(--gold-300)}.pcard{display:flex;flex-direction:column;height:100%;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);transition:box-shadow .2s,transform .2s,border-color .2s}.pcard:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:var(--gold-400)}.pcard-top{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:16px}.pcard h3{font-size:1.28rem;margin-bottom:10px}.pcard h3 a{color:var(--navy-900);text-decoration:none}.pcard h3 a:hover{color:var(--navy-700)}.pcard-tag{color:var(--muted);margin-bottom:18px}.pcard-meta{display:grid;gap:8px;margin:auto 0 22px;padding-top:18px;border-top:1px dashed var(--line);font-size:.9rem;color:var(--ink)}.pcard-meta li{display:flex;align-items:center;gap:9px}.pcard-meta .icon{color:var(--gold-700)}.pcard-actions{display:flex;align-items:center;justify-content:space-between;gap:12px}.feature,.format-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}.section-tint .feature{border-color:transparent;box-shadow:var(--shadow-sm)}.feature-center{text-align:center}.feature-center .feature-icon{margin-left:auto;margin-right:auto}.feature h3,.format-card h3{margin-bottom:8px}.feature p,.format-card p{color:var(--muted);margin-bottom:14px}.feature p:last-child{margin-bottom:0}.format-card{display:flex;flex-direction:column;align-items:flex-start;box-shadow:var(--shadow-sm)}.format-card .link-arrow{margin-top:auto}.feature-icon{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:14px;background:linear-gradient(145deg,var(--navy-900),var(--navy-700));color:var(--gold-300);margin-bottom:18px}.feature-icon-dark{width:44px;height:44px;margin:0;background:#c9a24b29;color:var(--gold-400);border:1px solid rgba(201,162,75,.3)}.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;counter-reset:s}.steps:not(.steps-4){grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.step{position:relative;padding:26px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow-sm)}.step h3{margin-bottom:6px}.step p{margin:0;color:var(--muted)}.step-n{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;flex:none;border-radius:50%;background:var(--gold-500);color:var(--navy-950);font-weight:700;font-family:var(--font-display);margin-bottom:14px}.outline{display:grid;gap:18px}.outline li{display:flex;gap:16px;align-items:flex-start}.outline .step-n{margin:0}.outline h3{margin-bottom:4px;font-size:1.1rem}.outline p{margin:0;color:var(--muted)}.tick-list{display:grid;gap:12px;margin-bottom:28px}.tick-list li{display:flex;gap:12px;align-items:flex-start}.tick-list .icon{margin-top:4px;color:var(--ok)}.tick-light{color:#d3dcf0}.tick-light .icon{color:var(--gold-400)}.theme-list{display:grid;gap:14px}.theme-list li{display:flex;gap:16px;align-items:flex-start;padding:20px;border-radius:var(--radius);background:#ffffff0f;border:1px solid var(--line-dark)}.theme-list h3{font-size:1.05rem;margin-bottom:4px}.theme-list p{margin:0;color:#bac7e3;font-size:.93rem}.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:6px}.chips a{display:inline-block;padding:10px 18px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--navy-900);font-weight:500;font-size:.92rem;text-decoration:none;transition:all .15s}.chips a:hover{border-color:var(--gold-500);background:var(--ivory)}.logos{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:28px 48px;margin-top:20px;opacity:.8}.accred{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 28px;margin-top:40px;color:var(--muted);font-size:.92rem}.accred li{display:inline-flex;align-items:center;gap:8px}.accred .icon{color:var(--gold-700)}.topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.topic-grid a{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:16px 20px;border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;color:var(--navy-900);text-decoration:none;transition:border-color .15s,box-shadow .15s}.topic-grid a:hover{border-color:var(--gold-500);box-shadow:var(--shadow-sm)}.topic-grid strong{display:block;font-weight:600;line-height:1.35}.topic-grid small{color:var(--muted)}.quote{margin:0;padding:28px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow-sm)}.quote .icon{color:var(--gold-500);margin-bottom:12px}.quote blockquote{margin:0 0 16px;font-size:1.05rem}.quote figcaption{display:flex;flex-direction:column;font-size:.88rem;color:var(--muted)}.conf-split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}.muted-light{color:#aebbd9;font-size:.92rem}.muted-light a{color:var(--gold-300)}.detail-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,.9fr);gap:56px;align-items:start}.detail-main h2{margin-top:1.6em;font-size:1.6rem}.detail-main h2:first-child{margin-top:0}.detail-side{position:sticky;top:calc(var(--header-h) + 52px)}.callout{display:flex;gap:18px;align-items:flex-start;margin-top:40px;padding:26px;background:var(--ivory);border:1px solid var(--line);border-left:4px solid var(--gold-500);border-radius:var(--radius-sm)}.callout .icon{color:var(--gold-700);margin-top:3px}.callout p{margin-bottom:10px}.about-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,.6fr);gap:64px;align-items:center}.stat-stack{display:grid;gap:16px}.stat-stack li{padding:26px;border-radius:var(--radius);background:linear-gradient(135deg,var(--navy-900),var(--navy-800));color:#fff}.stat-stack strong{display:block;font-family:var(--font-display);font-size:2.6rem;line-height:1;color:var(--gold-400)}.stat-stack span{color:#aebbd9;font-size:.9rem}.contact-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:56px;align-items:start}.contact-side h2{font-size:1.5rem}.contact-list{display:grid;gap:20px;margin-bottom:28px}.contact-list li{display:flex;gap:16px;align-items:flex-start}.contact-list .icon{color:var(--gold-700);margin-top:2px}.contact-list div{display:flex;flex-direction:column}.note-box{display:flex;gap:12px;align-items:flex-start;margin-top:28px;padding:18px;background:var(--ivory);border-radius:var(--radius-sm);font-size:.92rem;color:var(--muted)}.note-box p{margin:0}.note-box .icon{color:var(--gold-700);margin-top:3px}.empty{max-width:560px;margin:0 auto;padding:48px 32px;text-align:center;border:1px dashed var(--line);border-radius:var(--radius);background:var(--ivory)}.empty .icon{margin:0 auto 12px;color:var(--gold-700)}.filters{display:grid;grid-template-columns:1.4fr 1fr 1fr auto;gap:16px;align-items:end;padding:22px;margin-bottom:20px;border:1px solid var(--line);border-radius:var(--radius);background:var(--ivory)}.result-count{font-size:.9rem;color:var(--muted);margin-bottom:20px}.cta-band{background:linear-gradient(100deg,var(--gold-500),var(--gold-400));color:var(--navy-950)}.cta-band-in{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;padding-top:48px;padding-bottom:48px}.cta-band h2{color:var(--navy-950);margin-bottom:6px}.cta-band p{margin:0;font-size:1.05rem}.cta-band .btn-gold{background:var(--navy-950);color:#fff;box-shadow:none}.cta-band .btn-gold:hover{background:var(--navy-800);color:#fff}.faq{display:grid;gap:12px}.faq-item{border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff}.section-tint .faq-item{border-color:transparent;box-shadow:var(--shadow-sm)}.faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 24px;font-weight:600;color:var(--navy-900);cursor:pointer;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary .icon{transition:transform .2s;color:var(--gold-700)}.faq-item[open] summary .icon{transform:rotate(180deg)}.faq-item p{margin:0;padding:0 24px 22px;color:var(--muted)}.form-card{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:20px;padding:32px;box-shadow:var(--shadow-md)}.form-card h3,.section-dark .form-card h3{color:var(--navy-900)}.form-head h3{font-size:1.5rem;margin-bottom:4px}.form-head p{color:var(--muted);margin-bottom:20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}.field{display:flex;flex-direction:column;gap:6px;min-width:0}.field-full{grid-column:1 / -1}.field label{font-size:.85rem;font-weight:600;color:var(--navy-900)}.field input,.field select,.field textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid #cfd3dd;border-radius:10px;padding:12px 14px;min-height:48px;transition:border-color .15s,box-shadow 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