:root{--ink:#0b1424;--navy:#0c1c33;--navy2:#142b49;--paper:#f6f3ed;--white:#fff;--gold:#b99555;--gold2:#d7bd82;--muted:#667085;--line:#e4dfd5;--green:#31584a;--shadow:0 20px 50px rgba(7,18,34,.12);--radius:22px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;background:#fff;line-height:1.68;font-size:16px}a{color:inherit}img{max-width:100%;display:block}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:10px 14px}
.topbar{background:#081525;color:#d8e0ea;font-size:13px}.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:9px 0}.topbar a{color:#fff;text-decoration:none}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(12,28,51,.08)}.navrow{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;display:flex;align-items:center;gap:12px}.brandmark{width:39px;height:39px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--gold);font-family:Georgia,'Times New Roman',serif;font-size:20px}.brandtext strong{font-family:Georgia,'Times New Roman',serif;font-size:22px;letter-spacing:-.3px;display:block;line-height:1}.brandtext span{font-size:10px;text-transform:uppercase;letter-spacing:1.8px;color:#7c6a4b}.nav{display:flex;align-items:center;gap:25px}.nav>a,.dropbtn{font-size:14px;font-weight:700;text-decoration:none;color:#25334a;background:none;border:0;padding:27px 0;cursor:pointer;font-family:inherit}.nav>a:hover,.dropbtn:hover{color:#9a783d}.dropdown{position:relative}.dropmenu{display:none;position:absolute;top:64px;left:-18px;background:#fff;border:1px solid #eee8dc;border-radius:14px;min-width:250px;padding:10px;box-shadow:var(--shadow)}.dropdown:hover .dropmenu,.dropdown:focus-within .dropmenu{display:grid}.dropmenu a{text-decoration:none;padding:10px 12px;border-radius:9px;font-size:14px;color:#243249}.dropmenu a:hover{background:#f7f3eb;color:#80622f}.nav-cta{background:var(--navy)!important;color:#fff!important;padding:12px 16px!important;border-radius:10px}.menu-toggle{display:none;border:1px solid #ddd4c6;background:#fff;border-radius:10px;padding:9px 11px;font-size:20px}
.hero{position:relative;overflow:hidden;background:linear-gradient(115deg,#081525 0%,#102847 70%,#203a57 100%);color:#fff}.hero:before{content:'';position:absolute;inset:0;background-image:url('legal-lines.svg');background-size:cover;background-position:center right;opacity:.48}.hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .72fr;gap:55px;align-items:center;padding:88px 0}.eyebrow{text-transform:uppercase;letter-spacing:2.2px;font-size:12px;font-weight:700;color:var(--gold2);margin:0 0 14px}.hero h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(44px,6vw,72px);line-height:1.03;letter-spacing:-1.6px;margin:0 0 22px;max-width:790px}.hero p.lead{font-size:18px;max-width:700px;color:#dce4ef;margin:0 0 30px}.actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-weight:700;border-radius:11px;padding:13px 18px;border:1px solid transparent}.btn-gold{background:var(--gold);color:#0b1424}.btn-outline{border-color:rgba(255,255,255,.38);color:#fff}.btn-dark{background:var(--navy);color:#fff}.hero-card{background:rgba(255,255,255,.96);color:var(--ink);padding:28px;border-radius:24px;box-shadow:0 28px 70px rgba(0,0,0,.27)}.hero-card h2{font-family:Georgia,'Times New Roman',serif;font-size:26px;margin:0 0 10px}.hero-card p{color:#5f6d7e;font-size:14px;margin:0 0 18px}.checklist{list-style:none;padding:0;margin:0;display:grid;gap:11px}.checklist li{position:relative;padding-left:24px;font-size:14px}.checklist li:before{content:'✓';position:absolute;left:0;color:#8a6a33;font-weight:800}
.truststrip{border-bottom:1px solid var(--line);background:#fff}.trustgrid{display:grid;grid-template-columns:repeat(4,1fr)}.trustitem{padding:20px 24px;border-right:1px solid var(--line)}.trustitem:last-child{border-right:0}.trustitem strong{display:block;font-size:14px}.trustitem span{color:var(--muted);font-size:12px}.section{padding:82px 0}.section.soft{background:var(--paper)}.section.dark{background:var(--navy);color:#fff}.head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:34px}.head h2,.copy h2,.article h2{font-family:Georgia,'Times New Roman',serif;font-size:clamp(32px,4vw,46px);line-height:1.12;margin:0;letter-spacing:-.7px}.head p{max-width:610px;margin:0;color:var(--muted)}.dark .head p{color:#c9d2df}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid #ebe5d9;border-radius:18px;padding:26px;box-shadow:0 8px 30px rgba(12,28,51,.04)}.card .num{font-family:Georgia,'Times New Roman',serif;color:#765827;font-size:20px;font-weight:700}.card h3{font-family:Georgia,'Times New Roman',serif;font-size:22px;margin:10px 0}.card p{color:var(--muted);font-size:14px;margin:0 0 16px}.card a{font-size:14px;font-weight:700;text-decoration:none;color:#7f632f}.split{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:center}.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}.quote{border-left:3px solid var(--gold);padding-left:18px;color:#4d5a6c}.mini-list{display:grid;gap:12px;margin-top:22px}.mini{display:flex;gap:14px}.mini b{width:30px;height:30px;flex:0 0 30px;border-radius:50%;display:grid;place-items:center;background:#eee5d5;color:#80622f}.mini p{margin:0;color:#5f6d7e;font-size:14px}.mini strong{display:block;color:var(--ink);margin-bottom:2px}.cta{background:linear-gradient(110deg,#0a192c,#183553);color:#fff;border-radius:26px;padding:42px 44px;display:flex;justify-content:space-between;align-items:center;gap:30px}.cta h2{font-family:Georgia,'Times New Roman',serif;font-size:34px;margin:0 0 8px}.cta p{margin:0;color:#d2dce8;max-width:690px}
.pagehero{background:linear-gradient(115deg,#081525,#16304f);color:#fff;position:relative;overflow:hidden}.pagehero:after{content:'';position:absolute;right:-120px;top:-180px;width:520px;height:520px;border:1px solid rgba(185,149,85,.3);border-radius:50%}.pagehero .wrap{position:relative;z-index:1;padding:70px 0 62px;max-width:1180px}.crumbs{font-size:12px;color:#bfc9d5;margin-bottom:14px}.crumbs a{color:#d5b977;text-decoration:none}.pagehero h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(40px,5.5vw,62px);line-height:1.06;margin:0 0 18px;max-width:850px}.pagehero p{max-width:760px;color:#d8e0e9;font-size:18px;margin:0}.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:55px;padding:70px 0}.article h2{font-size:34px;margin:42px 0 14px}.article h2:first-child{margin-top:0}.article h3{font-family:Georgia,'Times New Roman',serif;font-size:23px;margin:28px 0 9px}.article p{color:#465469}.article ul{padding-left:21px;color:#465469}.article .notice{background:#f7f3eb;border-left:4px solid var(--gold);padding:20px 22px;border-radius:0 12px 12px 0}.article .notice strong{color:var(--ink)}.sidebar{position:relative}.sidebox{position:sticky;top:105px;border:1px solid var(--line);border-radius:18px;padding:23px;background:#fff}.sidebox h3{font-family:Georgia,'Times New Roman',serif;margin:0 0 14px}.sidebox a{display:block;text-decoration:none;padding:10px 0;border-top:1px solid #eee9df;font-size:14px;font-weight:700;color:#536074}.sidebox a:hover{color:#8b6b34}.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:17px 0}summary{cursor:pointer;font-weight:700;padding-right:25px}details p{margin:10px 0 0;color:#596679}.resource-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.resource{border:1px solid var(--line);border-radius:17px;padding:22px;background:#fff}.resource h3{margin:0 0 8px;font-family:Georgia,'Times New Roman',serif}.resource p{font-size:14px;color:var(--muted)}.resource a{font-weight:700;color:#7f632f}.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{display:grid;gap:6px}.field.full{grid-column:1/-1}.field label{font-size:13px;font-weight:700}.field input,.field select,.field textarea{width:100%;border:1px solid #d7d0c4;border-radius:10px;padding:12px 13px;font:inherit;background:#fff}.field textarea{min-height:140px;resize:vertical}.formnote{font-size:12px;color:#6b7280}.hp{position:absolute;left:-9999px}
.site-footer{background:#071321;color:#c8d1dc;padding:58px 0 26px}.footergrid{display:grid;grid-template-columns:1.3fr .8fr .8fr .9fr;gap:35px}.site-footer h3{font-size:13px;color:#fff;text-transform:uppercase;letter-spacing:1.2px;margin:0 0 14px}.site-footer a{display:block;color:#c8d1dc;text-decoration:none;font-size:13px;margin:7px 0}.site-footer a:hover{color:#d7bd82}.footerbrand{font-family:Georgia,'Times New Roman',serif;font-size:26px;color:#fff;margin-bottom:12px}.footnote{font-size:12px;color:#8593a4;max-width:400px}.bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding-top:18px;font-size:11px;color:#8190a2;display:flex;justify-content:space-between;gap:20px}.badge{display:inline-flex;background:#efe7d8;color:#795e31;border-radius:999px;padding:6px 10px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px}
@media(max-width:900px){.menu-toggle{display:block}.nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:14px 20px 22px;border-bottom:1px solid var(--line);box-shadow:0 15px 25px rgba(0,0,0,.08);align-items:stretch}.nav.open{display:grid}.nav>a,.dropbtn{padding:10px 0;text-align:left}.dropmenu{position:static;display:grid!important;box-shadow:none;border:0;padding:0 0 0 14px}.hero .wrap,.split,.article-wrap{grid-template-columns:1fr}.hero .wrap{padding:65px 0}.hero-card{max-width:600px}.trustgrid{grid-template-columns:1fr 1fr}.trustitem:nth-child(2){border-right:0}.trustitem:nth-child(-n+2){border-bottom:1px solid var(--line)}.grid{grid-template-columns:1fr 1fr}.article-wrap{gap:30px}.sidebox{position:static}.footergrid{grid-template-columns:1fr 1fr}.head{display:block}.head p{margin-top:14px}.cta{align-items:flex-start;flex-direction:column}.resource-grid{grid-template-columns:1fr}}
@media(max-width:600px){.wrap{width:min(var(--max),calc(100% - 28px))}.topbar .wrap{justify-content:center}.topbar .wrap span:last-child{display:none}.brandtext strong{font-size:19px}.hero h1{font-size:43px}.pagehero h1{font-size:40px}.hero .wrap{padding:54px 0}.section{padding:58px 0}.grid,.formgrid,.footergrid{grid-template-columns:1fr}.field.full{grid-column:auto}.trustgrid{grid-template-columns:1fr}.trustitem{border-right:0!important;border-bottom:1px solid var(--line)!important}.trustitem:last-child{border-bottom:0!important}.cta{padding:30px 25px}.bottom{display:block}.bottom span{display:block;margin-top:8px}.pagehero .wrap{padding:52px 0 46px}}

.article a{color:#765a2c;text-decoration-thickness:1px;text-underline-offset:3px}.article a:hover{color:#4f3a1c}.article li{margin:7px 0}.dropmenu{max-height:70vh;overflow:auto}

/* V6 accessibility and interaction refinements */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #d7bd82;outline-offset:3px}
.source-note{margin:28px 0 0;padding:14px 16px;border:1px solid #e4dfd5;border-radius:12px;background:#fbfaf7;font-size:13px;color:#596679}.source-note strong{color:#0b1424}.source-note a{font-weight:700}
@media(max-width:900px){.dropmenu{display:none!important}.dropdown.open .dropmenu{display:grid!important}.dropbtn{width:100%;min-height:44px}.nav>a{min-height:44px;display:flex;align-items:center}.menu-toggle{min-width:44px;min-height:44px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}