:root{--navy:#0f1f3a;--navy-2:#162b4f;--gold:#c9a24a;--gold-d:#8a6a22;--ink:#1b2333;--muted:#55607a;--line:#e4e0d8;--bg:#faf8f4;--bg-2:#f2eee6}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased}
a{color:var(--gold-d)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.nav{background:var(--navy);color:#f4efe4}
.nav .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:64px;flex-wrap:wrap}
.brand{font-family:Fraunces,Georgia,serif;font-weight:600;font-size:1.15rem;color:#fff;text-decoration:none}
.brand span{color:var(--gold)}
.nav nav{display:flex;gap:20px;flex-wrap:wrap}
.nav nav a{color:#d5dbe7;text-decoration:none;font-size:.9rem;font-weight:500}
.nav nav a:hover{color:#fff}
.hero{background:var(--navy);color:#f4efe4;padding:48px 0 64px}
.crumbs{font-size:.8rem;color:#9aa6bd;margin-bottom:28px}
.crumbs a{color:#c9cfdb;text-decoration:none}
.kick{color:var(--gold);letter-spacing:.16em;text-transform:uppercase;font-size:.78rem;font-weight:600}
h1{font-family:Fraunces,Georgia,serif;font-weight:600;font-size:clamp(2rem,4.6vw,3.2rem);line-height:1.1;margin:14px 0 18px;max-width:860px;color:#fff}
h1 em{font-style:italic;font-weight:500;color:var(--gold)}
.lead{font-size:1.15rem;color:#c9cfdb;max-width:720px}
.hero .btn{margin-top:28px}
.btn{display:inline-block;background:var(--gold);color:var(--navy);padding:13px 22px;border-radius:6px;font-weight:600;text-decoration:none}
.btn:hover{background:#d8b35c}
main{padding:56px 0 24px}
main .wrap{max-width:820px}
h2{font-family:Fraunces,Georgia,serif;font-weight:600;color:var(--navy);font-size:clamp(1.5rem,3vw,2rem);line-height:1.2;margin:48px 0 14px}
h2:first-child{margin-top:0}
h3{font-family:Fraunces,Georgia,serif;font-weight:500;color:var(--navy);font-size:1.2rem;margin:24px 0 6px}
p{margin:0 0 14px}
ul,ol{margin:0 0 16px 22px}
li{margin:6px 0}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:18px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px}
.card h3{margin-top:0}
.card p{color:var(--muted);font-size:.96rem;margin:0}
.card a.more{display:inline-block;margin-top:10px;font-weight:600;text-decoration:none}
.box{border-left:4px solid var(--gold);background:#fff;padding:16px 20px;border-radius:0 8px 8px 0;margin:22px 0}
.box.warn{border-left-color:#b4532a}
.box strong{display:block;color:var(--navy)}
.quote{font-family:Fraunces,Georgia,serif;font-style:italic;font-size:1.45rem;color:var(--navy);border-left:4px solid var(--gold);padding-left:22px;margin:28px 0}
.faqs details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:0 20px;margin:10px 0}
.faqs summary{cursor:pointer;list-style:none;padding:16px 0;font-family:Fraunces,Georgia,serif;font-size:1.08rem;color:var(--navy)}
.faqs summary::-webkit-details-marker{display:none}
.faqs details p{color:var(--muted)}
.cta{background:var(--navy);color:#d5dbe7;border-radius:12px;padding:32px;margin:48px 0 24px}
.cta h2{color:#fff;margin:0 0 8px}
.related{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}
.related a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;text-decoration:none;font-size:.9rem;color:var(--navy)}
footer{background:var(--navy);color:#9aa6bd;padding:36px 0;font-size:.88rem;margin-top:40px}
footer .cols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
footer b{color:#fff;display:block;margin-bottom:8px;font-weight:600}
footer a{color:#c9cfdb;text-decoration:none;display:block;margin:4px 0}
footer a:hover{color:#fff}
footer .legal{margin-top:24px;border-top:1px solid rgba(255,255,255,.1);padding-top:16px}
@media (max-width:720px){.grid,footer .cols{grid-template-columns:1fr}.nav nav{gap:14px}}