:root{--navy:#0B1E3D;--gold:#C9A84C;--cream:#f5f3ef;--ink:#1a1a1a;--muted:#6b6659}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--cream);color:var(--ink);line-height:1.65}a{color:inherit}nav{background:var(--navy);padding:0 2rem;display:flex;align-items:center;justify-content:space-between;min-height:62px;position:sticky;top:0;z-index:10}.brand{font-family:Georgia,serif;color:white;font-size:1.1rem;font-weight:700}.brand span{color:var(--gold)}.navlinks{display:flex;gap:1rem;flex-wrap:wrap}.navlinks a{color:rgba(255,255,255,.78);font-size:.85rem;text-decoration:none}.navlinks a:hover{color:var(--gold)}.hero{background:linear-gradient(135deg,var(--navy),#142f5c);color:#fff;padding:4rem 2rem}.wrap{max-width:1120px;margin:0 auto}.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.18em;font-weight:700;font-size:.8rem}.hero h1{font-family:Georgia,serif;font-size:clamp(2.2rem,5vw,4rem);line-height:1.05;margin:.5rem 0}.hero p{max-width:760px;color:rgba(255,255,255,.75);font-size:1.05rem}.btns{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.4rem}.btn{display:inline-block;background:var(--gold);color:var(--navy);text-decoration:none;padding:.8rem 1.1rem;border-radius:8px;font-weight:700}.btn.secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.3)}section{padding:3rem 2rem}.white{background:#fff}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.card{background:#fff;border:1px solid #e4dfd6;border-top:4px solid var(--gold);border-radius:12px;padding:1.3rem}.white .card{background:var(--cream)}h2{font-family:Georgia,serif;color:var(--navy);font-size:2rem;line-height:1.2;margin:.2rem 0 1rem}h3{color:var(--navy);margin:.2rem 0}.muted{color:var(--muted)}.list{padding-left:1.2rem}.cta{background:var(--navy);color:#fff;border-radius:14px;padding:2rem;margin-top:1.5rem}.cta h2{color:#fff}.footer{background:#07162e;color:rgba(255,255,255,.7);padding:2rem;font-size:.9rem}.pill{display:inline-block;border:1px solid rgba(201,168,76,.4);color:var(--gold);padding:.25rem .6rem;border-radius:999px;margin:.15rem;font-size:.8rem}.faq details{background:#fff;border:1px solid #e4dfd6;border-radius:10px;padding:1rem;margin:.8rem 0}.faq summary{font-weight:700;color:var(--navy);cursor:pointer}@media(max-width:760px){nav{align-items:flex-start;flex-direction:column;padding:1rem}.grid{grid-template-columns:1fr}.hero{padding:3rem 1.2rem}section{padding:2rem 1.2rem}}