:root{--navy:#12263f;--ink:#2b2b2b;--slate:#4a5a6e;--mist:#f3f4f6;--line:#dde1e6;--muted:#b8c2cf;--white:#fff;--serif:"Lora",Georgia,"Times New Roman",serif;--display:"Playfair Display",Georgia,"Times New Roman",serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--serif);font-size:18px;line-height:1.65;color:var(--ink);background:var(--white);-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #c28b00;outline-offset:3px}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--navy);padding:12px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
h1,h2,h3{font-family:var(--display);font-weight:500;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(34px,5.2vw,56px);text-transform:uppercase;letter-spacing:.04em}
h2{font-size:clamp(28px,3.6vw,40px)}
h2.bar::after{content:"";display:block;width:60px;height:4px;background:var(--slate);margin-top:14px}
h3{font-size:24px}
p{margin:0 0 1.1em}
.ic{display:inline-block;vertical-align:middle;flex:none}
.ic-s{margin-right:6px;margin-top:-3px}
.label{font-family:var(--serif);font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--slate);margin:0 0 10px}
/* utility and header */
.utility{background:#0a1626;color:var(--muted);font-size:14px}
.utility .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.utility a{color:#fff}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.bar{display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.mono{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:2px solid #fff;font-family:var(--display);font-size:18px;letter-spacing:.06em;color:#fff}
.brandtext{font-family:var(--display);font-size:15px;letter-spacing:.12em;text-transform:uppercase}
nav{flex:1;min-width:260px}
nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:2px 6px;justify-content:center}
nav a{display:inline-flex;align-items:center;min-height:44px;padding:0 12px;color:#fff;text-decoration:none;font-size:16px}
nav a:hover,nav a[aria-current]{text-decoration:underline}
.call{display:inline-flex;align-items:center;min-height:44px;padding:0 18px;border:1px solid #fff;color:#fff;text-decoration:none;font-weight:600}
.call:hover{background:#fff;color:var(--navy)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 26px;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;border:2px solid var(--navy);border-radius:4px;font-family:var(--serif);font-size:17px}
.btn:hover{background:#fff;color:var(--navy)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:transparent;color:#fff}
.btn-line{background:transparent;color:#fff;border-color:#fff}
.btn-line:hover{background:#fff;color:var(--navy)}
.btns{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}
/* hero */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.2}
.hero .wrap{position:relative;padding-top:88px;padding-bottom:88px}
.hero h1{color:#fff;max-width:820px}
.hero .lead{font-style:italic;font-size:21px;max-width:660px;color:#e6ebf1}
.hero .byline{font-size:15px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:18px}
/* sections */
section{padding:72px 0}
.band-mist{background:var(--mist)}
.band-navy{background:var(--navy);color:#fff}
.band-navy h2,.band-navy h3{color:#fff}
.band-navy a:not(.btn){color:#fff}
.statement{text-align:center;padding:64px 0}
.statement p{font-family:var(--display);font-size:clamp(26px,4vw,40px);text-transform:uppercase;letter-spacing:.05em;line-height:1.3;max-width:900px;margin:0 auto 22px}
.statement .rule{display:block;width:70px;height:3px;background:#fff;margin:0 auto}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.tile{background:var(--navy);color:#fff;padding:36px 28px;border-radius:12px}
.tile:nth-child(2){background:var(--slate)}
.tile .label{color:var(--muted)}
.tile:nth-child(2) .label{color:#e6ebf1}
.tile .big{font-family:var(--display);font-size:46px;line-height:1.1;margin:0 0 8px;color:#fff}
.tile p:last-child{margin:0;font-size:17px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px}
.card{background:#fff;border-radius:12px;padding:32px 28px;box-shadow:0 2px 14px rgba(18,38,63,.10);display:flex;flex-direction:column}
.card h3{margin-top:12px}
.card h3::after{content:"";display:block;width:44px;height:3px;background:var(--slate);margin-top:10px}
.card .more{margin-top:auto;font-weight:600}
.card:hover,.card:focus-within{background:var(--navy);color:#fff}
.card:hover h3,.card:focus-within h3,.card:hover a,.card:focus-within a{color:#fff}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.flip>:first-child{order:2}
.photo{border-radius:16px;overflow:hidden}
.photo img{width:100%}
.collage{position:relative}
.collage .small{position:absolute;right:-12px;bottom:-26px;width:46%;border:6px solid #fff;border-radius:14px;box-shadow:0 4px 18px rgba(0,0,0,.18);background:#fff;padding:18px 16px;font-size:15px;line-height:1.45}
.collage .small strong{display:block;font-family:var(--display);font-size:26px;color:var(--navy);font-weight:500}
.checks{list-style:none;margin:0 0 1.2em;padding:0}
.checks li{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px}
.checks .ic{margin-top:4px;color:var(--slate)}
.quote{font-family:var(--display);font-size:clamp(24px,3vw,32px);line-height:1.35;color:var(--slate);max-width:60%;margin:0}
.faq details{border-top:1px solid var(--line);padding:6px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;min-height:48px;display:flex;align-items:center;font-family:var(--display);font-size:22px;color:var(--navy);padding:6px 0}
.faq details p{margin:0 0 16px}
.form-box{max-width:460px;margin:0 auto}
.closing{text-align:center;background:var(--navy);color:#fff}
.closing h2{color:#fff;text-transform:uppercase;letter-spacing:.04em}
.closing .phone{font-family:var(--display);font-size:34px;color:#fff}
.closing a:not(.btn),.closing .phone a{color:#fff}
.closing .btns{justify-content:center}
.note{background:var(--mist);border-left:4px solid var(--slate);padding:18px 22px;margin:1.4em 0;border-radius:0 8px 8px 0;font-size:17px}
table{border-collapse:collapse;width:100%;margin:1.2em 0;font-size:17px}
th,td{border:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:600}
.scroll{overflow-x:auto}
.fac{border:1px solid var(--line);border-radius:12px;padding:22px 24px;margin-bottom:18px;background:#fff}
.fac h3{font-size:22px;margin-bottom:.3em}
.fac p{margin:0 0 .4em;font-size:17px}
/* inner pages */
.inner-hero{background:var(--navy);color:#fff}
.inner-hero .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center;padding-top:56px;padding-bottom:56px}
.inner-hero h1{color:#fff;font-size:clamp(30px,4vw,46px)}
.inner-hero .photo{box-shadow:0 8px 30px rgba(0,0,0,.35)}
.crumbs{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.rulebar{display:block;width:60px;height:4px;background:#fff;margin-bottom:18px}
.prose{max-width:760px;margin:0 auto}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.5em}
.pagephoto{max-width:900px;margin:44px auto}
.pagephoto img{border-radius:16px;width:100%}
.policy{max-width:760px;margin:0 auto;padding:56px 20px}
.policy h1{text-transform:none;letter-spacing:0;font-size:40px}
/* footer */
footer.site{background:var(--navy);color:#e6ebf1;padding:56px 0 28px}
footer.site a{color:#fff}
footer.site a.btn-light{color:var(--navy);background:#fff;border-color:#fff}
footer.site a.btn-light:hover{background:transparent;color:#fff}
.fgrid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:36px;margin-bottom:28px}
.fbrand{font-family:var(--display);font-size:20px;letter-spacing:.08em;text-transform:uppercase;color:#fff;display:flex;align-items:center;gap:12px}
.flabel{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:10px;font-weight:600}
.flinks{list-style:none;margin:0;padding:0}
.flinks a{display:inline-block;padding:8px 0;min-height:44px}
.disclaimer{font-size:14px;line-height:1.6;color:var(--muted);border-top:1px solid #2c4160;padding-top:22px}
.copy{font-size:14px;color:var(--muted);margin:0}
@media(max-width:860px){
header.site{position:static}
section{padding:52px 0}
.split,.inner-hero .wrap,.fgrid{grid-template-columns:1fr;gap:32px}
.split.flip>:first-child{order:0}
.quote{max-width:100%}
.hero .wrap{padding-top:56px;padding-bottom:56px}
.collage .small{position:static;width:100%;margin-top:14px;border:0;box-shadow:none;background:var(--mist)}
nav ul{justify-content:flex-start}
.bar{gap:8px}
}
@media(max-width:480px){
body{font-size:18px}
.brandtext{font-size:13px}
.call{width:100%;justify-content:center}
}