:root{
  --navy:#152238;
  --navy-2:#1f3252;
  --gold:#b8912f;
  --cream:#f6f3ec;
  --paper:#fbf9f4;
  --ink:#22262b;
  --line:#d8d0bd;
  --green:#3d6b52;
}
*{box-sizing:border-box;}
body{margin:0;background:var(--cream);color:var(--ink);
  font-family:'Georgia','Iowan Old Style',serif;line-height:1.5;}
.sans{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;}
a{color:inherit;}
.wrap{max-width:920px;margin:0 auto;padding:0 24px;}
img{max-width:100%;display:block;border-radius:4px;}

header{background:var(--navy);color:var(--paper);border-bottom:3px solid var(--gold);}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 24px;max-width:920px;margin:0 auto;}
.brand{display:flex;align-items:center;gap:10px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;font-weight:700;letter-spacing:.2px;font-size:18px;text-decoration:none;color:var(--paper);}
.brand .mark{width:28px;height:28px;border:2px solid var(--gold);border-radius:3px;display:flex;align-items:center;justify-content:center;font-size:13px;color:var(--gold);}
nav.sans{font-size:14px;}
nav.sans a{margin-left:20px;text-decoration:none;color:#cfd6e2;}
nav.sans a:hover{color:#fff;}
nav.sans a.active{color:#fff;border-bottom:1px solid var(--gold);padding-bottom:2px;}

.hero{padding:56px 0 40px;border-bottom:1px solid var(--line);}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;}
.eyebrow-line{width:40px;height:2px;background:var(--gold);margin-bottom:16px;}
h1{font-size:38px;line-height:1.15;margin:0 0 16px;font-weight:400;}
h1 em{font-style:italic;color:var(--navy-2);}
.lede{font-size:17px;color:#4a4f57;max-width:46ch;margin:0 0 26px;}
.cta{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;
  padding:14px 26px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;
  font-weight:600;font-size:15px;border-radius:2px;letter-spacing:.2px;}
.cta:hover{background:var(--navy-2);}
.cta-note{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;
  font-size:12.5px;color:#6b7078;margin-top:10px;}

.hero-photo{aspect-ratio:4/5;object-fit:cover;background:#e9e4d6;border:1px solid var(--line);}
.mid-photo{width:100%;aspect-ratio:21/9;object-fit:cover;border-radius:4px;background:#e9e4d6;margin-top:36px;border:1px solid var(--line);}

.disc{background:#eee6cf;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0;}
.disc p{max-width:920px;margin:0 auto;padding:0 24px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;
  font-size:13.5px;color:#5a5027;}

section{padding:56px 0;}
h2{font-size:26px;font-weight:400;margin:0 0 8px;}
.section-lede{color:#5a5f66;font-size:15px;margin:0 0 32px;max-width:60ch;}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.step{border-left:2px solid var(--gold);padding-left:16px;}
.step .num{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;font-size:13px;color:var(--gold);font-weight:700;letter-spacing:.5px;}
.step h3{font-size:18px;margin:6px 0 8px;font-weight:400;}
.step p{font-size:14.5px;color:#54585f;margin:0;}

.split{display:grid;grid-template-columns:1fr 1fr;gap:24px;background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:28px;}
.split h3{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;font-size:14px;margin:0 0 12px;}
.split ul{margin:0;padding-left:18px;font-size:14.5px;color:#3b3f45;}
.split li{margin-bottom:8px;}
.yes h3{color:var(--green);}
.no h3{color:#8a3b2f;}

.faq-item{border-bottom:1px solid var(--line);padding:18px 0;}
.faq-item summary{cursor:pointer;font-size:16px;font-weight:400;list-style:none;position:relative;padding-right:24px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:'+';position:absolute;right:0;top:0;font-family:sans-serif;color:var(--gold);font-size:18px;}
.faq-item[open] summary::after{content:'\2013';}
.faq-item p{font-size:14.5px;color:#54585f;margin:10px 0 0;max-width:70ch;}

.legal-page h1{font-size:30px;}
.legal-page .updated{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;font-size:13px;color:#6b7078;margin-bottom:32px;}
.legal-page h2{font-size:19px;margin-top:36px;}
.legal-page p, .legal-page li{font-size:15px;color:#3b3f45;max-width:72ch;}
.legal-page ul{padding-left:20px;}
.placeholder{background:#fff3d6;border:1px dashed var(--gold);padding:2px 6px;border-radius:3px;}

footer{background:var(--navy);color:#c8cedb;margin-top:40px;}
.legal-block{padding:48px 0;border-bottom:1px solid #2a3a58;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;}
.legal-block h4{color:#fff;font-size:15px;margin:0 0 10px;}
.legal-block p{font-size:13px;line-height:1.7;color:#a9b1c1;margin:0 0 14px;max-width:70ch;}
.foot-bottom{padding:22px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;
  font-size:12px;color:#7c8598;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.foot-bottom a{margin-right:16px;color:#a9b1c1;text-decoration:none;}

@media(max-width:720px){
  .hero-grid{grid-template-columns:1fr;}
  .hero-grid .hero-photo{order:-1;aspect-ratio:16/10;}
  .steps{grid-template-columns:1fr;}
  .split{grid-template-columns:1fr;}
  h1{font-size:30px;}
}

.legal-shell{max-width:940px;margin:0 auto;padding:64px 24px 84px;line-height:1.7}
.legal-shell h1{font-size:clamp(34px,5vw,58px);line-height:1.04;margin:0 0 10px}
.legal-shell h2{font-size:24px;margin:36px 0 8px}
.legal-shell h3{font-size:18px;margin:24px 0 6px}
.legal-shell p,.legal-shell li{max-width:820px}
.legal-shell .updated{opacity:.66;font-size:14px;margin-bottom:32px}
.legal-shell .policy-note{padding:18px 20px;border:1px solid rgba(70,70,70,.18);border-radius:12px;background:rgba(245,245,245,.72);margin:26px 0}
.legal-shell .policy-note strong{display:block;margin-bottom:4px}
.legal-shell a{text-decoration:underline;text-underline-offset:2px}
.legal-links{display:flex;gap:10px 16px;flex-wrap:wrap;margin-top:42px;padding-top:24px;border-top:1px solid rgba(70,70,70,.18);font-size:14px}
.legal-links a{white-space:nowrap}
.offer-box{margin:36px 0;padding:24px;border:1px solid rgba(70,70,70,.18);border-radius:16px;background:rgba(250,250,250,.92)}
.offer-box h3{margin-top:0}.offer-box .offer-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.offer-box .offer-actions a{display:inline-flex;align-items:center;justify-content:center;padding:11px 16px;border-radius:999px;text-decoration:none;border:1px solid currentColor;font-weight:700}
@media(max-width:700px){.legal-shell{padding:40px 20px 64px}.legal-shell h2{font-size:21px}}