:root{--ink:#15162a;--muted:#66687a;--navy:#171a3a;--indigo:#363b78;--gold:#b78b3e;--cream:#fbf7ef;--white:#fff;--line:#e8e1d5}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.72 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--cream)}
a{color:#303b82}a:hover{text-decoration-thickness:2px}.wrap{width:min(1120px,92%);margin:auto}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 12px #0002}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:22px}.brand{font:800 24px Georgia,serif;color:#fff;text-decoration:none;letter-spacing:.3px}.brand span{color:#d9b76e}
nav{display:flex;gap:20px;flex-wrap:wrap}nav a{color:#f4f1e8;text-decoration:none;font-size:14px}
.hero{padding:78px 0 58px;background:linear-gradient(135deg,var(--navy),#2b3069);color:#fff}.hero h1{font:700 clamp(40px,6vw,72px)/1.02 Georgia,serif;max-width:850px;margin:0 0 22px}.hero p{max-width:720px;font-size:20px;color:#e8e5f2}
.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:12px;font-weight:800;color:#d9b76e}
main{padding:52px 0}.content{max-width:820px}.content h1{font:700 clamp(34px,5vw,54px)/1.08 Georgia,serif}.content h2{font:700 30px/1.2 Georgia,serif;margin-top:46px}.content h3{font:700 22px/1.25 Georgia,serif;margin-top:32px}
.lead{font-size:21px;color:#45475b}.cardgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:28px 0}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 8px 24px #191a3310}.card h3{margin-top:0}.card a{text-decoration:none;font-weight:700}
.cta{margin:36px 0;padding:28px;border-radius:18px;background:var(--navy);color:#fff}.cta h2,.cta h3{margin-top:0;color:#fff}.cta p{color:#e8e5f2}.button{display:inline-block;background:#d2a34f;color:#17172a!important;text-decoration:none;font-weight:800;padding:13px 19px;border-radius:9px;border:0;cursor:pointer}
.note{border-left:4px solid var(--gold);background:#fff;padding:18px 20px;margin:26px 0}.calc{background:#fff;border:1px solid var(--line);padding:25px;border-radius:16px;margin:28px 0}.calc label{display:block;font-weight:700;margin:10px 0 5px}.calc input,.calc select{width:100%;padding:12px;border:1px solid #c9c5bd;border-radius:8px;font:inherit}.result{margin-top:18px;padding:18px;background:#f2eee4;border-radius:10px;font-weight:700}
.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:20px}.breadcrumb a{color:var(--muted)}
footer{margin-top:60px;background:#101226;color:#c9cad5;padding:44px 0}footer a{color:#e7d19d}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.disclosure{font-size:13px;color:#747687;border-bottom:1px solid var(--line);padding:10px 0;background:#fff}
.popup-backdrop{position:fixed;inset:0;background:#090a18b8;display:none;align-items:center;justify-content:center;padding:18px;z-index:99}.popup{position:relative;max-width:540px;background:#fff;border-radius:20px;padding:34px;box-shadow:0 30px 90px #0007}.popup h2{font:700 34px/1.1 Georgia,serif;margin:7px 0 12px}.popup-close{position:absolute;right:15px;top:12px;background:transparent;border:0;font-size:28px;cursor:pointer}.popup small{color:var(--muted)}
@media(max-width:760px){nav{display:none}.cardgrid,.footergrid{grid-template-columns:1fr}.hero{padding:55px 0}.content h1{font-size:39px}}