:root{--navy:#061a33;--navy2:#102a4a;--ink:#142942;--muted:#536176;--gold:#d9b45e;--gold-dark:#906f29;--line:#d7e1eb;--soft:#f3f7fb;--white:#fff;--sans:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;--serif:Georgia,"Times New Roman",serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--soft);color:var(--ink);font:16px/1.68 var(--sans)}a{color:#164c80;text-underline-offset:3px}.wrap{max-width:940px;margin:auto;padding-left:28px;padding-right:28px}.site-head{background:var(--navy);box-shadow:0 1px 0 rgba(255,255,255,.08)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:1.28rem;font-weight:760;letter-spacing:-.025em;color:#fff;text-decoration:none}.brand b{color:#f1d380}.back{color:#dbe7f3;font-size:.92rem;text-decoration:none}.back:hover{color:#fff}.page{padding-top:72px;padding-bottom:96px}.eyebrow{margin:0 0 10px;color:var(--gold-dark);font-size:.74rem;font-weight:850;letter-spacing:.15em;text-transform:uppercase}h1,h2{font-family:var(--serif);line-height:1.08;letter-spacing:-.04em;color:var(--navy)}h1{max-width:730px;margin:0 0 20px;font-size:clamp(2.8rem,7vw,4.9rem)}h2{margin:0 0 12px;font-size:clamp(1.65rem,3vw,2.15rem)}p{margin:0 0 14px}.lead{max-width:730px;color:var(--muted);font-size:1.12rem}.notice{margin:36px 0;padding:19px 22px;border-left:4px solid var(--gold);background:#fff7df;color:#4d3d16}.contact-card{display:grid;grid-template-columns:1.25fr .75fr;gap:28px;align-items:center;margin:38px 0;padding:30px 32px;background:var(--navy);border-top:2px solid var(--gold);color:#e7edf4}.contact-card h2{color:#fff}.contact-card .eyebrow{color:#f0cf7a}.contact-details{padding-left:28px;border-left:1px solid rgba(240,207,122,.5)}.contact-details p{margin:0 0 13px}.contact-details a{color:#f4db94;font-weight:760}.policy-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0 42px}.policy-card{position:relative;display:block;min-height:285px;padding:24px 22px;background:var(--white);border:1px solid var(--line);color:var(--ink);text-decoration:none;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.policy-card:hover{transform:translateY(-4px);border-color:var(--gold);box-shadow:0 16px 32px rgba(8,31,57,.1)}.policy-card span{display:block;margin-bottom:42px;color:var(--gold-dark);font-size:.76rem;font-weight:850;letter-spacing:.14em}.policy-card h2{font-size:1.55rem}.policy-card p{color:var(--muted);font-size:.94rem}.policy-card em{position:absolute;left:22px;bottom:23px;color:#123b64;font-size:.88rem;font-style:normal;font-weight:800}.plain-card{padding:34px;background:var(--white);border:1px solid var(--line)}.check-list{display:grid;gap:14px;padding:0;margin:20px 0 0;list-style:none}.check-list li{position:relative;padding-left:29px;color:var(--muted)}.check-list li:before{content:"";position:absolute;left:0;top:.58em;width:10px;height:10px;border:2px solid var(--gold);border-radius:50%}.article{max-width:800px}.article h1{margin-bottom:16px}.article h2{margin-top:42px}.article h3{margin:29px 0 9px;font-size:1.06rem;line-height:1.3;color:var(--navy)}.article p,.article li{color:var(--muted)}.article ul{padding-left:22px}.article li+li{margin-top:9px}.article .accent{margin:30px 0;padding:21px 23px;border-left:4px solid var(--gold);background:#fff}.article .updated{margin:0 0 36px;color:var(--muted);font-size:.9rem}.site-foot{padding:42px 0;background:var(--navy);color:#c5d2e0;font-size:.87rem}.site-foot p{margin:8px 0}.site-foot a{color:#f5df9e}@media(max-width:700px){.wrap{padding-left:20px;padding-right:20px}.page{padding-top:52px}.nav{min-height:68px}.contact-card,.policy-grid{grid-template-columns:1fr}.contact-card{padding:26px 24px}.contact-details{padding:18px 0 0;border-left:0;border-top:1px solid rgba(240,207,122,.5)}.policy-card{min-height:226px}.policy-card span{margin-bottom:24px}.policy-card h2{font-size:1.5rem}.back{font-size:.82rem}.site-foot{padding:36px 0}}