:root{--navy:#0b2350;--navy2:#132f66;--gold:#d4a937;--gold2:#e6c262;--ink:#1c2433;--mute:#556070;--sand:#f7f3ea;--line:#e4dccb}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:'Source Sans 3',system-ui,sans-serif;font-size:19px;line-height:1.6;color:var(--ink);background:#fff}
img{max-width:100%;display:block;height:auto}
a{color:var(--navy)}
h1,h2,h3{font-family:'Fraunces',Georgia,serif;line-height:1.15;color:var(--navy);margin:0 0 .5em;text-wrap:balance}
h1{font-size:clamp(2.1rem,5vw,3.4rem)}h2{font-size:clamp(1.7rem,3.6vw,2.4rem)}h3{font-size:1.3rem}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
.top{background:var(--navy);position:sticky;top:0;z-index:5;border-bottom:3px solid var(--gold)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:'Fraunces',Georgia,serif;font-size:1.25rem;white-space:nowrap}
.brand b{color:var(--gold);font-weight:700}
.btn{display:inline-block;text-decoration:none;font-weight:700;border-radius:8px;padding:15px 26px;font-size:1.1rem;transition:background .15s,transform .15s}
.btn:hover{transform:translateY(-1px)}
.btn.gold{background:var(--gold);color:var(--navy)}.btn.gold:hover{background:var(--gold2)}
.btn.navy{background:var(--navy);color:#fff}.btn.navy:hover{background:var(--navy2)}
.btn.small{padding:10px 16px;font-size:1rem;white-space:nowrap}
.hero{background:var(--navy);color:#fff;padding:56px 0 64px}
.hero h1{color:#fff}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:44px;align-items:center}
.hero-img img{border-radius:14px;border:4px solid var(--gold);aspect-ratio:16/11;object-fit:cover;width:100%}
.eyebrow{color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.9rem;margin:0 0 12px}
.eyebrow.dark{color:#9a7714}
.lead{font-size:1.2rem;color:#dfe5f0;margin:0 0 26px}
.cta-row{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.num{color:#c9d2e3;font-weight:600}.num.light{color:#dfe5f0;margin-top:12px}
.note{color:#c9d2e3;margin:14px 0 0;font-size:1rem}
section{padding:72px 0}
.help{background:var(--sand)}
.sub{color:var(--mute);margin:-6px 0 30px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-top:5px solid var(--gold);border-radius:12px;padding:28px}
.card p{margin:0;color:var(--mute)}
.steps-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:center}
.steps-img img{border-radius:14px;aspect-ratio:4/3;object-fit:cover;width:100%}
.list{padding:0;margin:0 0 28px;list-style:none;counter-reset:s}
.list li{counter-increment:s;position:relative;padding:0 0 18px 58px}
.list li::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:700;display:grid;place-items:center;font-family:'Fraunces',serif}
.about{background:var(--sand)}
.about-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:start}
.tag{display:inline-block;background:var(--navy);color:#fff;padding:8px 14px;border-radius:6px;font-weight:600;font-size:1rem}
.areas{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:12px;padding:28px}
.areas ul{margin:0;padding-left:20px}.areas li{margin:6px 0}
.cta{background-size:cover;background-position:center;color:#fff;text-align:center;padding:90px 0}
.cta h2{color:#fff}.cta p{font-size:1.2rem;margin:0 0 24px}
.foot{background:#07183a;color:#b7c2d6;padding:40px 0;font-size:.95rem}
.foot a{color:var(--gold)}
.fname{color:#fff;margin:0 0 14px}
.fine{margin:0 0 12px;font-size:.88rem;line-height:1.55}
.page{padding:48px 0 72px}.page h1{font-size:2.2rem}.page h2{font-size:1.4rem;margin-top:1.4em}
@media (max-width:860px){
 .hero-grid,.steps-grid,.about-grid{grid-template-columns:1fr;gap:30px}
 .cards{grid-template-columns:1fr}
 .hero{padding:36px 0 48px}section{padding:52px 0}
}
@media (max-width:480px){
 body{font-size:18px}.brand{font-size:1.02rem;gap:7px}.brand svg{width:30px;height:30px}
 .btn.small{padding:9px 11px;font-size:.88rem}
 .cta-row .btn{width:100%;text-align:center}.num{width:100%;text-align:center}
 .cta .btn{width:100%}
}
@media (max-width:600px){.hide-s{display:none}.btn.small{padding:10px 18px}}
/* v2 */
.bar-r{display:flex;align-items:center;gap:10px}
.menu-btn{display:none;background:transparent;border:2px solid rgba(255,255,255,.35);border-radius:8px;width:46px;height:42px;padding:9px 10px;cursor:pointer;flex-direction:column;justify-content:space-between}
.menu-btn span{display:block;height:3px;background:#fff;border-radius:2px}
.nav{background:var(--navy2);border-top:1px solid rgba(255,255,255,.08)}
.nav-in{display:flex;gap:4px;flex-wrap:wrap;justify-content:center;padding-top:4px;padding-bottom:4px}
.nav a{color:#fff;text-decoration:none;font-weight:600;font-size:1rem;padding:9px 12px;border-radius:6px}
.nav a:hover{background:rgba(255,255,255,.08)}
.nav a[aria-current]{color:var(--gold)}
.band{background:var(--navy);color:#fff;padding:52px 0 56px}
.band h1{color:#fff;max-width:820px}.band .lead{max-width:760px;margin:0}
.two{display:grid;grid-template-columns:1.5fr 1fr;gap:44px;align-items:start}
.prose h2{font-size:1.6rem;margin-top:1.2em}.prose h2:first-child{margin-top:0}
.side{background:var(--sand);border:1px solid var(--line);border-top:5px solid var(--gold);border-radius:12px;padding:26px}
.help .side{background:#fff}
.side ul{padding-left:20px;margin:0 0 20px}.side li{margin:6px 0}
.ticks{list-style:none;padding:0;margin:0 0 22px}
.ticks li{position:relative;padding:0 0 10px 32px}
.ticks li::before{content:"";position:absolute;left:4px;top:7px;width:14px;height:8px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.card.link{text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:transform .15s,box-shadow .15s}
.card.link:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(11,35,80,.1)}
.card.link p{flex:1}
.more{margin-top:14px;color:var(--navy);font-weight:700}.more::after{content:" \2192"}
.kicker{color:#9a7714!important;font-weight:700;text-transform:uppercase;font-size:.8rem;letter-spacing:.06em;margin:0 0 8px!important;flex:0!important}
.card.dl{display:flex;flex-direction:column}.card.dl p{flex:1;margin-bottom:18px}.card.dl .btn{align-self:flex-start}
.textlink{font-weight:700;color:var(--navy)}
.free{background:#fff}
.free-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.free-img img{border-radius:14px;aspect-ratio:4/3;object-fit:cover;width:100%}
.list.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.learn-teaser{background:var(--sand)}
.fine-dark{color:var(--mute);font-size:.88rem;margin-top:26px;line-height:1.55}
.warn{background:#fff8e6;border:1px solid #ecd9a2;border-left:5px solid var(--gold);border-radius:10px;padding:20px;margin-top:30px;font-size:1rem}
.narrow{max-width:780px}
.art{padding:52px 0 64px}.art h1{font-size:clamp(1.9rem,4.2vw,2.6rem)}
.art h2{font-size:1.45rem;margin-top:1.4em}
.by{color:var(--mute);margin:-4px 0 26px}
.art-cta{background:var(--sand);border-left:5px solid var(--gold);border-radius:10px;padding:22px;margin:30px 0 0}
.art-cta p{margin:0 0 14px}
.tbl{overflow-x:auto;margin:0 0 20px}
.tbl table{border-collapse:collapse;width:100%;font-size:1rem}
.tbl th,.tbl td{border:1px solid var(--line);padding:10px;text-align:left}
.tbl th{background:var(--navy);color:#fff}
.flinks{display:flex;flex-wrap:wrap;gap:6px 18px;margin:0 0 18px}
.flinks a{text-decoration:none;color:#fff;font-weight:600}
@media (max-width:1020px){
 .menu-btn{display:flex}
 .nav{display:none}.nav.open{display:block}
 .nav-in{flex-direction:column;padding-top:8px;padding-bottom:12px}
 .nav a{font-size:1.1rem;padding:13px 10px;border-bottom:1px solid rgba(255,255,255,.08)}
}
@media (max-width:860px){.two,.free-grid{grid-template-columns:1fr;gap:30px}.list.cols{grid-template-columns:1fr;gap:0}.band{padding:36px 0 40px}}