:root{--navy:#234059;--navy2:#1B3247;--teal:#2E8A86;--tealLight:#E8F3F2;--gold:#B8962E;--goldSoft:#E9D49A;--ink:#26323D;--muted:#5A6873;--bg:#FFFFFF;--line:#DDE3E8}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Lato",Arial,sans-serif;font-size:17px;line-height:1.6}
a{color:var(--teal)}a:hover{color:var(--navy)}
.wrap{max-width:1040px;margin:0 auto;padding:0 24px}
header.top{background:#fff;border-bottom:3px solid var(--gold)}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:12px;padding-bottom:12px}
header.top img{height:84px;width:auto;display:block}
header.top nav a{font-size:14px;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;text-decoration:none;color:var(--navy)}
.hero{background:var(--navy);color:#fff;padding:64px 0 56px}
.kicker{font-size:13px;letter-spacing:3px;text-transform:uppercase;color:var(--goldSoft);font-weight:700;margin:0 0 14px}
h1,h2,h3{font-family:"Cormorant Garamond",Georgia,serif;font-weight:600;line-height:1.1;margin:0}
.hero h1{font-size:clamp(36px,6vw,58px);max-width:760px}
.hero .sub{font-size:19px;color:#DCE6EE;max-width:680px;margin:20px 0 0}
section{padding:56px 0}
section.alt{background:var(--tealLight)}
h2{font-size:clamp(28px,4vw,38px);color:var(--navy);margin-bottom:14px}
.rule{width:64px;height:3px;background:var(--gold);margin:0 0 22px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:40px;align-items:start}
ul.marks{list-style:none;padding:0;margin:0}
ul.marks li{position:relative;padding-left:26px;margin-bottom:12px}
ul.marks li::before{content:"";position:absolute;left:0;top:10px;width:10px;height:10px;background:var(--gold);border-radius:2px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);padding:28px;border-radius:4px;box-shadow:0 6px 24px rgba(35,64,89,.08)}
.card h3{font-size:28px;color:var(--navy);margin-bottom:6px}
.card p.note{font-size:14px;color:var(--muted);margin:0 0 18px}
label{display:block;font-size:14px;font-weight:700;color:var(--navy);margin:14px 0 6px}
input,select{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1px solid #B9C4CE;border-radius:4px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:2px solid var(--teal);outline-offset:1px;border-color:var(--teal)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){.row{grid-template-columns:1fr}}
button,.btn{display:inline-block;margin-top:22px;background:var(--navy);color:#fff;border:0;border-radius:4px;padding:15px 26px;font:inherit;font-weight:700;letter-spacing:1px;text-transform:uppercase;font-size:15px;cursor:pointer;text-decoration:none;min-height:48px}
button:hover,.btn:hover{background:var(--navy2);color:#fff}
.hidden{position:absolute;left:-10000px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding-left:48px;margin-bottom:22px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:15px}
.steps strong{color:var(--navy)}
footer{background:var(--navy);color:#DCE6EE;padding:36px 0;border-top:4px solid var(--gold);font-size:14px}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px}
footer strong{color:#fff;font-family:"Cormorant Garamond",Georgia,serif;font-size:22px;font-weight:600}
footer a{color:var(--goldSoft)}
footer .fine{flex-basis:100%;color:#AFC0CE;font-size:12.5px;line-height:1.5;margin-top:8px}