:root {
  --dark-blue: #0f2c59;
  --blue: #315b8a;
  --light-blue: #e8f1f8;
  --gold: #c5a059;
  --white: #ffffff;
  --ink: #273142;
  --muted: #5e6a78;
  --line: #dce5ee;
  --shadow: 0 16px 40px rgba(15, 44, 89, .10);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: "Open Sans", Arial, sans-serif;
  line-height: 1.75;
}
a { color: var(--dark-blue); }
a:hover { color: #8d6c2d; }
h1, h2, h3 {
  color: var(--dark-blue);
  font-family: "Playfair Display", Georgia, serif;
  line-height: 1.22;
}
.skip-link {
  position: absolute;
  left: -9999px;
  top: 8px;
}
.skip-link:focus {
  left: 8px;
  z-index: 20;
  padding: 10px 14px;
  background: var(--white);
  color: var(--dark-blue);
}
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 14px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.brand {
  color: var(--dark-blue);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 1.45rem;
  font-weight: 700;
  text-decoration: none;
}
.header-cta, .button {
  display: inline-block;
  padding: 11px 20px;
  border: 2px solid var(--gold);
  border-radius: 5px;
  background: var(--gold);
  color: var(--white);
  font-weight: 700;
  text-decoration: none;
}
.header-cta:hover, .button:hover {
  background: var(--white);
  color: #856526;
}
.hero {
  padding: 84px 22px 76px;
  background:
    radial-gradient(circle at 85% 20%, rgba(197,160,89,.24), transparent 30%),
    linear-gradient(135deg, #0f2c59 0%, #173f73 100%);
  color: var(--white);
}
.hero-inner, .content, .related-inner, .cta-inner, .footer-inner {
  max-width: 940px;
  margin: 0 auto;
}
.crumbs {
  margin: 0 0 20px;
  color: #dbe8f4;
  font-size: .9rem;
}
.crumbs a { color: #ffffff; }
.eyebrow {
  margin: 0 0 12px;
  color: #efd9a8;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.hero h1 {
  max-width: 850px;
  margin: 0;
  color: var(--white);
  font-size: clamp(2.25rem, 5vw, 4rem);
}
.lead {
  max-width: 780px;
  margin: 24px 0 0;
  color: #eef4fa;
  font-size: 1.18rem;
}
.content {
  padding: 64px 22px 28px;
}
.article-section {
  margin: 0 0 48px;
}
.article-section h2 {
  margin: 0 0 16px;
  font-size: clamp(1.7rem, 3vw, 2.35rem);
}
.article-section p {
  margin: 0 0 16px;
}
.article-section ul {
  padding-left: 1.25rem;
}
.note {
  margin: 32px 0;
  padding: 22px 24px;
  border-left: 4px solid var(--gold);
  background: var(--light-blue);
}
.faq {
  padding: 14px 0 58px;
}
.faq h2 { font-size: 2rem; }
details {
  margin: 12px 0;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: var(--white);
}
summary {
  padding: 17px 19px;
  color: var(--dark-blue);
  cursor: pointer;
  font-weight: 700;
}
details p {
  margin: 0;
  padding: 0 19px 19px;
}
.related {
  padding: 58px 22px;
  background: var(--light-blue);
}
.related h2 {
  margin: 0 0 24px;
  font-size: 2rem;
}
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.card {
  display: block;
  min-height: 130px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 6px 20px rgba(15,44,89,.05);
  color: var(--dark-blue);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 1.15rem;
  font-weight: 700;
  text-decoration: none;
}
.card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.cta {
  padding: 66px 22px;
  background: var(--white);
  text-align: center;
}
.cta h2 {
  margin: 0 0 14px;
  font-size: 2.2rem;
}
.cta p {
  max-width: 680px;
  margin: 0 auto 26px;
}
.cta-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px;
}
.button.secondary {
  background: transparent;
  color: #856526;
}
.button.secondary:hover {
  background: var(--gold);
  color: var(--white);
}
footer {
  padding: 48px 22px;
  background: var(--dark-blue);
  color: #dbe8f4;
  text-align: center;
}
footer a { color: #dbe8f4; }
footer p { margin: 7px 0; }
@media (max-width: 760px) {
  .header-inner { align-items: flex-start; }
  .header-cta { padding: 8px 12px; font-size: .84rem; }
  .hero { padding-top: 62px; }
  .card-grid { grid-template-columns: 1fr; }
}