:root{--navy:#102b3d;--deep:#0b202e;--ink:#203744;--muted:#52636c;--gold:#b99a62;--paper:#f5f6f5;--line:#dce2e3;--white:#fff;--serif:Georgia,'Times New Roman',serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:2rem}body{margin:0;color:var(--ink);background:var(--white);font:17px/1.75 'Segoe UI',Arial,sans-serif}a{color:inherit;text-underline-offset:5px}a:hover{color:#775820}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #bc791c;outline-offset:5px}button{font:inherit}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.15}h1{font-size:clamp(2.5rem,5.7vw,5.5rem);letter-spacing:-.045em}h2{font-size:clamp(2rem,3.3vw,3.3rem);letter-spacing:-.025em}h3{font-size:1.65rem}p{margin-bottom:1.25rem}.container{width:min(1200px,calc(100% - 72px));margin:auto}.skip{position:absolute;left:1rem;top:-100px;padding:10px 20px;background:white;z-index:10}.skip:focus{top:10px}.topline{background:var(--deep);color:#dce6eb;font-size:14px;padding:9px 0}.topline .container{display:flex;justify-content:space-between;gap:20px}.topline a{color:#dce6eb}.header{background:#fff;border-bottom:1px solid var(--line)}.navwrap{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:25px 0}.brand{text-decoration:none;display:flex;align-items:center;gap:16px;color:var(--navy)}.monogram{border:1px solid var(--gold);font:27px/1 var(--serif);width:58px;height:58px;display:grid;place-items:center;flex-shrink:0}.brand strong{display:block;font:23px/1.15 var(--serif);letter-spacing:.02em}.brand small{font-size:11px;letter-spacing:.25em;display:block;margin-top:7px}.nav{display:flex;align-items:center;gap:27px;font-size:15px}.nav a{text-decoration:none}.nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--gold)}.nav .navcontact{border:1px solid var(--line);padding:10px 17px}.menubtn{display:none}.eyebrow{font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:600;margin-bottom:23px}.hero{background:var(--navy);color:#fff;overflow:hidden}.hero .container{display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:center;padding-top:90px;padding-bottom:88px}.hero h1{max-width:800px}.hero h1 em{font-style:normal;color:#d3bd95}.hero p{max-width:620px;color:#d1dbe1;font-size:19px}.actions{display:flex;gap:16px;flex-wrap:wrap;margin-top:32px}.button{display:inline-flex;align-items:center;justify-content:center;padding:14px 23px;min-height:48px;background:#e4d6b9;color:var(--deep);border:1px solid #e4d6b9;text-decoration:none;font-size:15px;font-weight:600}.button:hover{background:#f0e5d0;color:var(--deep)}.button.secondary{background:transparent;color:inherit;border-color:#8496a3}.hero-side{padding:48px 36px;border:1px solid #547080;position:relative}.hero-side:before{content:'';position:absolute;inset:13px;border:1px solid #3e5a6b;pointer-events:none}.hero-side .huge{font:clamp(4rem,9vw,7.5rem)/1 var(--serif);color:#c9b389;display:block;padding:10px 0 30px}.hero-side h2{font-size:2rem}.hero-side p{font-size:16px}.hero-side .rule{height:1px;background:#547080;margin:28px 0}.facts{border-bottom:1px solid var(--line)}.facts .container{display:grid;grid-template-columns:repeat(3,1fr);padding:27px 0;gap:30px}.facts span{font-size:14px;color:var(--muted);display:block}.facts strong{font-weight:500}.section{padding:88px 0}.section.soft{background:var(--paper)}.section.dark{background:var(--navy);color:white}.section-head{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;margin-bottom:40px}.section-head p{color:var(--muted);max-width:520px}.section.dark .section-head p{color:#d1dbe1}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{background:white;border:1px solid var(--line);padding:30px;display:flex;flex-direction:column}.card .number{color:#7b6137;font:14px/1.5 'Segoe UI',sans-serif;letter-spacing:.13em;margin-bottom:25px}.card h3 a{text-decoration:none}.card p{font-size:16px;color:var(--muted)}.card .textlink{margin-top:auto;font-size:14px;font-weight:600}.textlink{text-decoration:underline}.two{display:grid;grid-template-columns:1fr 1fr;gap:40px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.steps article{border-top:1px solid #6c808d;padding-top:28px}.steps h3{font-size:1.6rem}.steps p{color:#d1dbe1;font-size:16px}.portrait{height:230px;background:#e9eef0;display:grid;place-items:center;position:relative;margin-bottom:27px;color:var(--navy);font:70px var(--serif)}.portrait small{position:absolute;bottom:16px;font:12px 'Segoe UI',sans-serif;letter-spacing:.05em}.profile{border-bottom:1px solid var(--line);padding-bottom:20px}.profile h3{margin-bottom:10px}.profile p{font-size:15px;color:var(--muted)}.article-card{border-top:1px solid var(--gold);padding:25px 0}.article-card h3{font-size:1.75rem}.article-card h3 a{text-decoration:none}.article-card small{color:var(--muted);display:block;margin-bottom:17px;font-size:13px}.article-card p{font-size:16px;color:var(--muted)}.faq{max-width:900px}.faq article{border-top:1px solid var(--line);padding:25px 0}.faq h3{font:600 18px/1.5 'Segoe UI',sans-serif}.faq p{color:var(--muted);margin:0}.contact-panel{padding:48px;background:var(--navy);color:#fff;display:grid;grid-template-columns:1.2fr 1fr;gap:50px}.contact-panel p{color:#d1dbe1}.contact-panel a:not(.button){overflow-wrap:anywhere;color:white}.contact-panel h2{font-size:2.7rem}.contact-panel .eyebrow{color:#d3bd95}.footer{background:var(--deep);color:#d1dbe1;padding:55px 0 25px}.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:55px}.footer h2{font-size:25px;color:#fff}.footer h3{font:600 14px 'Segoe UI',sans-serif;color:#fff}.footer a{display:block;font-size:14px;margin:8px 0;color:#d1dbe1}.footer p{font-size:14px}.legal{border-top:1px solid #344c5c;margin-top:30px;padding-top:24px;font-size:12px}.breadcrumbs{padding:24px 0;color:var(--muted);font-size:13px}.breadcrumbs ol{padding:0;list-style:none;display:flex;gap:10px;flex-wrap:wrap;margin:0}.breadcrumbs li+li:before{content:'/';margin-right:10px;color:#8b9ca4}.pagehero{background:var(--paper);padding:55px 0 60px;border-bottom:1px solid var(--line)}.pagehero h1{max-width:1000px;font-size:clamp(2.5rem,5vw,4.5rem)}.pagehero .lead{font-size:20px;max-width:830px;color:var(--muted)}.pagebody{display:grid;grid-template-columns:minmax(0,780px) minmax(220px,1fr);gap:70px;padding-top:65px;padding-bottom:80px}.prose h2{font-size:2.2rem;margin-top:45px}.prose h2:first-child{margin-top:0}.prose h3{font-size:1.45rem;margin-top:25px}.prose li{margin-bottom:10px}.prose a{color:#275775}.prose table{border-collapse:collapse;width:100%;font-size:15px}.prose th,.prose td{padding:15px;border:1px solid var(--line);text-align:left;vertical-align:top}.tablewrap{overflow:auto}.note{background:#f1f4f5;border-left:3px solid var(--gold);padding:20px 24px;font-size:15px;margin:25px 0}.meta{font-size:13px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:22px;margin-bottom:30px}.sidebar{font-size:15px}.sidebar h2{font:600 14px 'Segoe UI',sans-serif;letter-spacing:.08em;text-transform:uppercase}.sidebar nav a{display:block;padding:10px 0;border-bottom:1px solid var(--line)}.asidebox{background:var(--paper);padding:28px;margin-top:30px}.asidebox h3{font-size:24px}.asidebox .button{width:100%;padding:10px}.sources{font-size:14px}.sources li{overflow-wrap:anywhere}.pill{display:inline-block;font-size:12px;border:1px solid var(--line);padding:4px 10px;margin-bottom:15px}.wide{grid-column:1/-1}.bigquote{font:clamp(2rem,4vw,3.4rem)/1.3 var(--serif);max-width:900px;margin:0}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:1000px){.nav{gap:15px}.brand strong{font-size:20px}.hero .container{gap:35px}.hero-side{padding:35px 25px}.pagebody{gap:35px}.grid{grid-template-columns:repeat(2,1fr)}.section-head{gap:40px}}@media(max-width:760px){.container{width:calc(100% - 40px)}.topline .container>span:last-child{display:none}.navwrap{flex-wrap:wrap;padding:18px 0;gap:15px}.monogram{width:44px;height:44px;font-size:22px}.brand{gap:10px}.brand strong{font-size:20px}.brand small{font-size:9px}.menubtn{display:block;background:transparent;border:1px solid var(--line);padding:8px 12px;min-height:44px;font-size:14px}.nav{width:100%;display:flex;flex-wrap:wrap;gap:0}.js .nav{display:none}.js .nav.open{display:flex}.nav a{padding:12px 15px 12px 0;min-height:44px}.nav .navcontact{padding:8px 14px}.hero .container{grid-template-columns:1fr;padding-top:55px;padding-bottom:50px;gap:40px}.hero h1{font-size:clamp(2.6rem,10.5vw,4.2rem)}.hero p{font-size:17px}.hero-side{display:none}.facts .container{grid-template-columns:1fr;gap:15px}.facts strong{display:block}.section{padding:55px 0}.section-head,.two,.steps,.footgrid,.contact-panel{grid-template-columns:1fr;gap:25px}.section-head{margin-bottom:28px}.grid{grid-template-columns:1fr}.card{padding:26px}.contact-panel{padding:30px 24px}.contact-panel h2{font-size:2.2rem}.pagebody{grid-template-columns:1fr;padding-top:40px;gap:40px}.pagehero{padding:35px 0}.pagehero .lead{font-size:18px}.pagehero h1{font-size:2.6rem;overflow-wrap:break-word}.sidebar{border-top:1px solid var(--line);padding-top:30px}.actions{gap:12px}.button{padding:12px 17px}.prose h2{font-size:1.9rem}.portrait{height:200px}.legal{font-size:13px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}