:root{--navy:#0f2540;--gold:#b08d3e;--ink:#1c2733;--muted:#5a6a7a;--bg:#ffffff;--panel:#f4f6f9}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:Lato,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
.wrap{max-width:960px;margin:0 auto;padding:0 1.25rem}
header{background:var(--navy);color:#fff;padding:.9rem 0}
header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem}
.brand{font-weight:700;font-size:1.05rem;color:#fff;text-decoration:none}
nav a{color:#dce4ee;text-decoration:none;margin-left:1rem;font-size:.95rem}
nav a:hover,nav a.active{color:var(--gold)}
.cta-bar{background:var(--gold);color:#fff;text-align:center;padding:.5rem 1rem;font-size:.95rem}
.cta-bar a{color:#fff;font-weight:700}
.hero{background:var(--panel);padding:3rem 0}
.hero h1{font-size:2rem;color:var(--navy);margin-bottom:.75rem;line-height:1.25}
.hero p{max-width:44rem;color:var(--muted);font-size:1.1rem}
.btn{display:inline-block;background:var(--navy);color:#fff;padding:.7rem 1.4rem;border-radius:4px;text-decoration:none;font-weight:700;margin-top:1.25rem}
.btn.gold{background:var(--gold)}
main{padding:2.5rem 0}
main h2{color:var(--navy);margin:2rem 0 .75rem;font-size:1.4rem}
main h3{color:var(--navy);margin:1.5rem 0 .5rem;font-size:1.1rem}
main p,main li{margin-bottom:.75rem;color:var(--ink)}
main ul{padding-left:1.4rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem;margin:1.5rem 0}
.card{background:var(--panel);border-radius:6px;padding:1.25rem}
.card h3{margin-top:0}
.card a{color:var(--navy);font-weight:700}
.notice{background:#fdf6e8;border-left:4px solid var(--gold);padding:1rem 1.25rem;border-radius:0 6px 6px 0;margin:1.5rem 0}
footer{background:var(--navy);color:#c8d2df;padding:2rem 0;font-size:.9rem;margin-top:3rem}
footer a{color:#fff}
.faq details{border-bottom:1px solid #e2e8f0;padding:.75rem 0}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
@media(max-width:640px){.hero h1{font-size:1.5rem}nav a{margin-left:.6rem}}