:root{
  --ivory:#fbf7ef;--paper:#fffdf8;--blue:#315a86;--blue-deep:#23486f;
  --gold:#c8943f;--gold-soft:#e7c88b;--sage:#8fa083;--teal:#3b8390;
  --ink:#293747;--muted:#6f7e8e;--line:rgba(49,90,134,.15);
  --shadow:0 18px 46px rgba(49,63,80,.09);--radius:24px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:linear-gradient(180deg,#fffefb 0%,var(--ivory) 74%,#f7f0e4 100%)}
a{color:inherit}.shell{width:min(1240px,calc(100% - 48px));margin:auto}.reading{width:min(860px,calc(100% - 48px));margin:auto}
.topbar{position:sticky;top:0;z-index:50;background:rgba(255,253,248,.95);backdrop-filter:blur(18px);border-bottom:1px solid rgba(49,90,134,.10)}
.nav{min-height:76px;display:grid;grid-template-columns:260px 1fr 350px;gap:18px;align-items:center}.brand img{height:60px;width:auto;max-width:230px;display:block;object-fit:contain}
.navlinks{display:flex;justify-content:center;gap:38px}.navlinks a{text-decoration:none;color:#5f6e7e;font-size:14px;font-weight:800;padding:12px 4px;position:relative}.navlinks a.active{color:var(--blue-deep)}.navlinks a.active:after{content:"";position:absolute;left:18%;right:18%;bottom:2px;height:2px;border-radius:99px;background:var(--gold)}
.nav-actions{display:flex;align-items:center;justify-content:flex-end;gap:10px}.langs{display:flex;align-items:center;gap:5px;padding:4px;border:1px solid var(--line);border-radius:15px;background:#fff;box-shadow:0 6px 16px rgba(49,63,80,.04)}.lang-btn{border:0;background:transparent;cursor:pointer;height:36px;border-radius:10px;padding:0 8px;display:flex;align-items:center;gap:6px;font-weight:800;color:#586879}.lang-btn img{width:22px;height:15px;object-fit:cover;border-radius:2px;box-shadow:0 0 0 1px rgba(0,0,0,.08)}.lang-btn.active{background:#f3ecdd;color:var(--blue-deep);box-shadow:inset 0 0 0 1px rgba(200,148,63,.22)}
.account-link{text-decoration:none;background:var(--blue-deep);color:#fff;border-radius:15px;padding:11px 18px;font-size:13px;font-weight:850;box-shadow:0 8px 22px rgba(35,72,111,.17);white-space:nowrap;min-width:max-content;line-height:1.15;text-align:center}
.page-hero{position:relative;overflow:hidden;padding:78px 0 72px;border-bottom:1px solid rgba(200,148,63,.14);background:#fbf7ef}.page-hero:before{content:"";position:absolute;inset:0;background:url("portal_bg.png") no-repeat 85% 53%/62% auto;opacity:.23;pointer-events:none}.page-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,253,248,.98) 0%,rgba(255,253,248,.91) 47%,rgba(255,253,248,.28) 84%,rgba(255,253,248,.64) 100%)}.page-hero .shell{position:relative;z-index:2}.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:10px;font-weight:950;letter-spacing:.12em;text-transform:uppercase;color:#956f30;margin-bottom:16px}.eyebrow:before{content:"";width:34px;height:1px;background:var(--gold)}
.page-hero h1{margin:0;max-width:820px;color:var(--blue-deep);font-family:Georgia,"Times New Roman",serif;font-weight:600;font-size:clamp(42px,5.2vw,68px);line-height:1.01;letter-spacing:-.035em}.page-hero p{max-width:720px;margin:22px 0 0;color:#667687;font-size:16px;line-height:1.7}.hero-claim{margin-top:25px;font-size:18px;font-weight:900;color:var(--blue-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;border-radius:15px;padding:12px 18px;font-size:12px;font-weight:900}.btn-primary{background:var(--blue-deep);color:#fff;box-shadow:0 9px 24px rgba(35,72,111,.16)}.btn-secondary{background:#fff;border:1px solid rgba(49,90,134,.17);color:var(--blue-deep)}.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}
.promise-wrap{padding:42px 0 20px}.promise-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.promise{background:rgba(255,255,255,.86);border:1px solid rgba(49,90,134,.13);border-radius:22px;padding:25px;box-shadow:0 9px 28px rgba(49,63,80,.045)}.promise-index{font-family:Georgia,"Times New Roman",serif;color:var(--gold);font-size:15px}.promise h2{margin:11px 0 8px;font-family:Georgia,"Times New Roman",serif;color:var(--blue-deep);font-size:25px;font-weight:650}.promise strong{display:block;color:#394d60;font-size:13px;line-height:1.5}.promise p{margin:9px 0 0;color:var(--muted);font-size:12.5px;line-height:1.65}
.story{padding:58px 0}.story.alt{background:rgba(255,255,255,.46);border-top:1px solid rgba(49,90,134,.06);border-bottom:1px solid rgba(49,90,134,.06)}.story-grid{display:grid;grid-template-columns:1fr .9fr;gap:64px;align-items:center}.story-grid.reverse{grid-template-columns:.9fr 1fr}.story h2{margin:0;color:var(--blue-deep);font:600 clamp(31px,3.2vw,44px)/1.08 Georgia,"Times New Roman",serif;letter-spacing:-.02em}.story p{color:var(--muted);font-size:14px;line-height:1.78;margin:17px 0 0}.story strong{color:#3c5267}.story-art{min-height:300px;border-radius:28px;border:1px solid rgba(200,148,63,.24);background:linear-gradient(135deg,#fffdf8,#f2ebdc);display:grid;place-items:center;position:relative;overflow:hidden}.story-art:after{content:"";position:absolute;width:240px;height:240px;border:1px solid rgba(200,148,63,.18);border-radius:50%;right:-70px;top:-72px}.story-art img{max-width:74%;max-height:235px;object-fit:contain;position:relative;z-index:2}.story-art.wordmark{padding:36px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center}.story-art.wordmark b{font:600 38px/1.08 Georgia,"Times New Roman",serif;color:var(--blue-deep)}.story-art.wordmark span{margin-top:12px;color:#7a8998;font-size:13px;line-height:1.6}.micro-list{display:grid;gap:9px;margin-top:19px}.micro-list div{display:flex;gap:10px;align-items:flex-start;color:#53677a;font-size:12.5px;line-height:1.55}.micro-list i{width:19px;height:19px;flex:0 0 19px;border-radius:50%;display:grid;place-items:center;background:#edf2e8;color:#5f7a59;font-style:normal;font-size:11px;font-weight:950}
.quote-band{padding:58px 0;background:linear-gradient(110deg,#23486f,#315a86);color:#fff;text-align:center}.quote-band p{margin:0 auto;max-width:900px;font:600 clamp(31px,4vw,48px)/1.18 Georgia,"Times New Roman",serif}.quote-band p span{color:#f1d79f}.quote-band small{display:block;margin-top:16px;color:rgba(255,255,255,.68);font-size:12px;letter-spacing:.05em;text-transform:uppercase;font-weight:800}
.final-cta{padding:70px 0;text-align:center}.final-cta h2{margin:0 auto;color:var(--blue-deep);font:600 clamp(34px,4vw,50px)/1.08 Georgia,"Times New Roman",serif;max-width:860px}.final-cta p{margin:17px auto 25px;max-width:690px;color:var(--muted);line-height:1.7;font-size:14px}
.quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px;margin-top:-26px;position:relative;z-index:5}.quick{background:#fff;border:1px solid rgba(49,90,134,.13);border-radius:18px;padding:18px;box-shadow:0 12px 30px rgba(49,63,80,.07)}.quick b{display:block;color:var(--blue-deep);font-size:12px;margin-bottom:6px}.quick span{color:var(--muted);font-size:11px;line-height:1.45}
.content-layout{display:grid;grid-template-columns:230px minmax(0,1fr);gap:54px;padding:54px 0 70px}.toc{position:sticky;top:104px;align-self:start;background:rgba(255,255,255,.68);border:1px solid rgba(49,90,134,.11);border-radius:18px;padding:18px}.toc-title{font-size:9px;letter-spacing:.11em;text-transform:uppercase;color:#9b7838;font-weight:950;margin-bottom:10px}.toc a{display:block;text-decoration:none;color:#6b7b8c;font-size:11px;line-height:1.35;padding:7px 8px;border-radius:9px}.toc a:hover{background:#f5efe2;color:var(--blue-deep)}
.prose{min-width:0}.prose section{scroll-margin-top:110px;padding:0 0 30px;margin-bottom:30px;border-bottom:1px solid rgba(49,90,134,.09)}.prose section:last-child{border-bottom:0}.prose h2{margin:0 0 14px;color:var(--blue-deep);font:600 29px/1.15 Georgia,"Times New Roman",serif}.prose h3{margin:22px 0 8px;color:#3d556d;font-size:14px}.prose p,.prose li{color:#627385;font-size:13px;line-height:1.78}.prose ul{padding-left:20px}.prose a{color:var(--blue-deep);font-weight:800}.prose a.btn-primary{color:#fff}.prose a.btn-secondary{color:var(--blue-deep)}.prose strong{color:#3a5065}.callout{border-left:3px solid var(--gold);background:#fffaf0;border-radius:0 16px 16px 0;padding:17px 19px;margin:18px 0;color:#566a7c;font-size:12.5px;line-height:1.7}.callout strong{color:var(--blue-deep)}
.data-table{width:100%;border-collapse:separate;border-spacing:0;margin:18px 0;border:1px solid rgba(49,90,134,.12);border-radius:16px;overflow:hidden;background:#fff}.data-table th,.data-table td{text-align:left;padding:12px 14px;border-bottom:1px solid rgba(49,90,134,.08);font-size:11.5px;line-height:1.5;vertical-align:top}.data-table th{background:#f6f1e6;color:var(--blue-deep);font-weight:900}.data-table tr:last-child td{border-bottom:0}
.legal-hero{padding:58px 0 48px}.legal-hero h1{font-size:clamp(38px,4.7vw,60px)}.legal-card{background:#fff;border:1px solid rgba(49,90,134,.12);border-radius:20px;padding:23px;margin:18px 0}.legal-card h3{margin-top:0}.placeholder{display:inline-block;background:#fff2d9;color:#8b641e;border:1px solid rgba(200,148,63,.34);border-radius:8px;padding:3px 7px;font-weight:900;font-size:11px}.contact-card{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;background:linear-gradient(120deg,#fff,#f8f2e6);border:1px solid rgba(200,148,63,.28);border-radius:24px;padding:28px;margin:22px 0}.contact-card h2{margin:0 0 7px;color:var(--blue-deep);font:600 27px/1.1 Georgia,"Times New Roman",serif}.contact-card p{margin:0;color:var(--muted);font-size:12.5px;line-height:1.6}
footer{border-top:1px solid rgba(49,90,134,.11);background:rgba(251,247,239,.84);padding:29px 0 32px}.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr;gap:36px}.footer-brand img{height:48px;max-width:190px;object-fit:contain}.footer-brand p{max-width:390px;color:#87919c;font-size:10.5px;line-height:1.6;margin:10px 0 0}.footer-title{font-size:9px;letter-spacing:.09em;text-transform:uppercase;font-weight:950;color:#8a6a32;margin-bottom:9px}.footer-links{display:grid;gap:7px}.footer-links a{text-decoration:none;color:#778595;font-size:10.5px}.footer-bottom{margin-top:24px;padding-top:17px;border-top:1px solid rgba(49,90,134,.08);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#919ba4;font-size:9.5px}
.lang-panel[hidden]{display:none!important}
@media(max-width:940px){.nav{grid-template-columns:1fr auto}.navlinks{display:none}.nav-actions .account-link{display:none}.promise-grid,.quick-grid{grid-template-columns:repeat(2,1fr)}.story-grid,.story-grid.reverse{grid-template-columns:1fr;gap:28px}.story-grid.reverse .story-art{order:2}.content-layout{grid-template-columns:1fr}.toc{position:static;display:flex;gap:4px;flex-wrap:wrap}.toc-title{width:100%}.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}}
@media(max-width:610px){.shell,.reading{width:min(100% - 28px,1240px)}.brand img{height:47px;max-width:155px}.nav{min-height:66px}.lang-btn span{display:none}.lang-btn{padding:0 6px}.page-hero{padding:52px 0 48px}.page-hero h1{font-size:39px}.page-hero p{font-size:14px}.promise-grid,.quick-grid{grid-template-columns:1fr}.story{padding:42px 0}.story-art{min-height:230px}.quote-band{padding:45px 0}.quote-band p{font-size:31px}.content-layout{padding:36px 0 52px}.toc{display:none}.data-table{display:block;overflow-x:auto}.footer-grid{grid-template-columns:1fr}.footer-brand{grid-column:auto}.contact-card{grid-template-columns:1fr}.contact-card .btn{justify-self:start}}