: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}
section[id]{scroll-margin-top:96px}
html,body,body *{font-family:Cambria,Georgia,"Times New Roman",serif !important}
body{margin:0;color:var(--ink);background:var(--paper);line-height:1.55}
a{color:inherit}
.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{background:var(--blue-soft)}
.inline-fee-link{font-size:.88em;white-space:nowrap}.inline-fee-link a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.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)}
.button.primary{background:var(--blue);color:#fff}
.button.primary:hover{background:var(--blue-dark)}
.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:880px;margin:0;color:#3b4a56}
section{padding:64px 0}
section.alt{background:var(--off)}
.section-head{max-width:820px;margin-bottom:28px}
.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}
.definition{background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:var(--radius);padding:28px 30px;box-shadow:var(--shadow);max-width:960px}
.definition h3{margin:0 0 12px;font-size:25px;color:var(--blue-dark)}
.definition p{margin:0;color:#46545f;font-size:17px}
.definition p+p{margin-top:14px}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px}
.panel h3{margin:0 0 10px;color:var(--blue-dark);font-size:22px}
.panel p{margin:0;color:#46545f}
.panel p+p{margin-top:12px}
.panel ul{margin:0;padding-left:20px}
.panel li{margin:8px 0;color:#46545f}
.callout{background:var(--blue-dark);color:#fff;border-radius:var(--radius);padding:28px 30px}
.callout h3{margin:0 0 10px;color:#fff;font-size:24px}
.callout p{margin:0;color:#e3edf4}
.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}
.cta-actions{display:flex;justify-content:flex-end}
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}
  .grid,.cta-box{grid-template-columns: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} .footer-grid{grid-template-columns:1fr} .footlinks{justify-content:flex-start}
}