:root {
  --blue:#183f63;
  --blue-dark:#102c46;
  --blue-soft:#eef4f8;
  --ink:#1f2933;
  --muted:#5f6b76;
  --line:#d9e1e7;
  --paper:#fff;
  --off:#f7f9fb;
  --max:1180px;
  --radius:14px;
  --shadow:0 8px 28px rgba(16,44,70,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
html,body,body *{font-family:Cambria,Georgia,"Times New Roman",serif !important}

section[id]{scroll-margin-top:96px}
body{margin:0;color:var(--ink);background:var(--paper);line-height:1.55}
a{color:inherit}
.term-link{
  color:inherit;
  text-decoration:underline;
  text-decoration-thickness:1px;
  text-underline-offset:3px;
  text-decoration-color:rgba(24,63,99,.55);
}
.term-link:hover{color:var(--blue);text-decoration-color:var(--blue)}

.fee-link{margin-top:5px;font-size:12px;font-weight:400;line-height:1.25;color:var(--muted)}
.fee-link a{color:var(--blue);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:2px;text-decoration-color:rgba(24,63,99,.45)}
.fee-link a:hover{text-decoration-color:var(--blue)}
.inline-fee-link{font-size:.88em;white-space:nowrap}
.inline-fee-link a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}


.wrap{width:min(var(--max),calc(100% - 40px));margin:0 auto}

.brand-banner{background:#06467d;display:flex;justify-content:center;align-items:center;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.15)}
.brand-banner img{display:block;width:auto;max-width:100%;height:auto;max-height:260px}

header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.nav-logo{display:block;width:205px;height:auto;max-height:48px}
nav{display:flex;align-items:center;gap:20px;font-weight:700;font-size:14px;line-height:1}
nav a{text-decoration:none;color:#2d3a45}
nav a:hover, nav a.active{color:var(--blue)}
.drop{position:relative;display:inline-flex;align-items:center;align-self:stretch}
.dropmenu{display:none;position:absolute;top:100%;left:-16px;width:275px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow)}
.drop:hover .dropmenu{display:block}
.dropmenu a{display:block;padding:10px 11px;border-radius:7px}
.dropmenu a:hover,.dropmenu a.current{background:var(--blue-soft)}
.button{display:inline-flex;align-items:center;justify-content:center;border-radius:8px;padding:12px 18px;font-weight:700;font-size:14px;line-height:1;text-decoration:none;border:1px solid var(--blue);transition:.18s}
.button.primary{background:var(--blue);color:#fff}
.button.primary:hover{background:var(--blue-dark)}
.button.secondary{background:#fff;color:var(--blue)}
.button.secondary:hover{background:var(--blue-soft)}
.mobile-menu{display:none}

.page-hero{padding:56px 0 52px;background:linear-gradient(100deg,#fff 0%,#fff 58%,var(--blue-soft) 100%);border-bottom:1px solid var(--line)}
.eyebrow{margin:0 0 12px;color:var(--blue);font-weight:700;font-size:13px;line-height:1;text-transform:uppercase;letter-spacing:.11em}
h1{font-size:45px;line-height:1.08;margin:0 0 16px;color:var(--blue-dark)}
.page-hero .lead{font-size:20px;line-height:1.55;max-width:850px;margin:0;color:#3b4a56}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}

section{padding:66px 0}
section.alt{background:var(--off)}
.section-head{max-width:790px;margin-bottom:30px}
.section-head h2{font-size:33px;line-height:1.2;color:var(--blue-dark);margin:0 0 11px}
.section-head p{font-size:17px;color:var(--muted);margin:0}

.progression{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;align-items:stretch}
.stage{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px;box-shadow:0 4px 18px rgba(16,44,70,.04)}
.stage:not(:last-child)::after{content:"→";position:absolute;right:-15px;top:50%;transform:translateY(-50%);color:var(--blue);font-size:25px;font-weight:700;z-index:2}
.stage .kicker{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.stage h3{font-size:21px;color:var(--blue-dark);margin:6px 0 10px}
.stage .price{font-size:31px;font-weight:700;color:var(--blue);line-height:1}
.stage .subprice{margin-top:7px;color:var(--muted);font-size:14px}
.stage p{margin:14px 0 0;color:#4a5864;font-size:15px}

.price-table-wrap{overflow-x:auto;max-width:100%;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:0 4px 18px rgba(16,44,70,.04)}
table{width:100%;border-collapse:collapse;table-layout:auto}
th,td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--blue-soft);color:var(--blue-dark);font-size:14px}
td{font-size:15px}
th:last-child,td.price{width:1%;text-align:right;white-space:nowrap}td.price{font-weight:700;color:var(--blue)}
tr:last-child td{border-bottom:none}
.note{margin-top:18px;padding:18px 20px;background:var(--blue-soft);border-radius:10px;color:#3a4a56;font-size:15px}

.scope-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px}
.panel h3{margin:0 0 12px;color:var(--blue-dark);font-size:22px}
.panel ul{margin:0;padding-left:20px}
.panel li{margin:8px 0;color:#46545f}
.panel p{margin:0;color:#46545f}
.panel .fee{font-size:30px;color:var(--blue);font-weight:700;margin:8px 0 14px}
.mini{font-size:14px;color:var(--muted)!important}

.other-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.callout{background:var(--blue-dark);color:#fff;border-radius:var(--radius);padding:28px}
.callout h3{margin:0 0 10px;font-size:24px;color:#fff}
.callout p{margin:0 0 20px;color:#e3edf4}
.callout .button.secondary{border-color:#fff}


.oa-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:24px;align-items:start}
.big-fee{font-size:38px;line-height:1;color:var(--blue);font-weight:700;margin:4px 0 10px}
.fee-label{font-size:14px;color:var(--muted);margin-bottom:18px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px 24px;box-shadow:0 4px 18px rgba(16,44,70,.04)}
.card h3{margin:0 0 10px;color:var(--blue-dark);font-size:21px}
.card p{margin:0;color:#4a5864;font-size:15px}
.card .mini-price{display:block;margin-top:14px;color:var(--blue);font-weight:700;font-size:18px}
.policy-strip{background:var(--blue-dark);color:#fff;border-radius:var(--radius);padding:28px 30px;display:grid;grid-template-columns:.8fr 1.2fr;gap:30px;align-items:center}
.policy-strip h3{font-size:25px;margin:0;color:#fff}
.policy-strip p{margin:0;color:#e2ecf3;font-size:16px}
.appeal-grid{display:grid;grid-template-columns:1fr .9fr;gap:24px;align-items:start}
.credit-box{background:#fff;border:1px solid var(--line);padding:22px 24px;border-radius:0 var(--radius) var(--radius) 0;box-shadow:var(--shadow)}
.credit-box h3{margin:0 0 9px;color:var(--blue-dark);font-size:21px}
.credit-box p{margin:0;color:#4a5864}

.cta{padding:54px 0}
.cta-box{display:grid;grid-template-columns:1.35fr .65fr;gap:28px;align-items:center;background:var(--blue-soft);border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.cta-box h2{margin:0 0 9px;color:var(--blue-dark);font-size:30px}
.cta-box p{margin:0;color:#495964;font-size:16px}
.cta-actions{display:flex;justify-content:flex-end;gap:10px;flex-wrap:wrap}

footer{background:var(--blue-dark);color:#dfe9f0;padding:36px 0}
.footer-grid{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:end}
footer strong{color:#fff}
footer p{margin:7px 0 0;font-size:13px;line-height:1.6}
.footlinks{display:flex;gap:16px;flex-wrap:wrap;justify-content:flex-end;font-size:13px}
.footlinks a{color:#dfe9f0;text-decoration:none}
.disclaimer{border-top:1px solid rgba(255,255,255,.18);margin-top:24px;padding-top:18px;font-size:12px;line-height:1.5;color:#c7d3dc}

@media (max-width:920px){
  nav{display:none}
  .mobile-menu{display:inline-flex}
  .progression{grid-template-columns:1fr}
  .stage:not(:last-child)::after{display:none}
  .scope-grid,.other-grid,.oa-grid,.appeal-grid,.policy-strip,.cta-box{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .cta-actions{justify-content:flex-start}
}
@media (max-width:620px){
  .wrap{width:min(var(--max),calc(100% - 28px))}
  .nav{min-height:68px}
  .nav-logo{width:165px;max-height:40px}
  .page-hero{padding:46px 0 44px}
  h1{font-size:36px}
  .page-hero .lead{font-size:18px}
  section{padding:50px 0}
  .cards{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footlinks{justify-content:flex-start}
}