:root{--ink:#2B2B2B;--navy:#14213D;--ox:#7A1F2B;--ox-d:#5E1720;--paper:#F6F1E7;--line:#D9D2C3;--muted:#5f5a52;--card:#FBF8F2}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 "Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--paper)}
h1,h2,h3{font-family:"Newsreader",Georgia,serif;font-optical-sizing:auto;line-height:1.1;color:var(--navy);margin:0 0 .5em;font-weight:500;font-variation-settings:"opsz" 72}
h1{font-size:clamp(2.45rem,10.2vw,4rem);font-weight:400;line-height:1.04;letter-spacing:-.02em}h2{font-size:clamp(1.45rem,3.6vw,1.95rem);margin-top:1.6em}h3{font-size:1.2rem}
a{color:var(--ox)}p{margin:0 0 1em}
.wrap{max-width:1000px;margin:0 auto;padding:0 20px}
header{background:var(--paper);position:sticky;top:0;z-index:5}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px;flex-wrap:wrap}
.brand{color:var(--navy);text-decoration:none;font-family:"Newsreader",Georgia,serif;font-size:1.7rem;font-weight:500;letter-spacing:-.01em;font-variation-settings:"opsz" 72}
nav{display:flex;gap:2px;flex-wrap:wrap}
nav a{color:var(--navy);text-decoration:none;font-size:.95rem;padding:6px 10px;border-radius:4px}
nav a:hover{background:rgba(20,33,61,.06)}nav a[aria-current]{box-shadow:inset 0 -2px 0 var(--ox)}
.callbar{display:none}
.menu{display:none}
@media(max-width:720px){header nav{display:none}
 .menu{display:block;position:relative}.menu summary{list-style:none;cursor:pointer;padding:8px 2px}.menu summary::-webkit-details-marker{display:none}
 .menu summary svg{display:block}
 .menu[open] .drop{position:absolute;right:0;top:44px;background:var(--paper);border:1px solid var(--line);box-shadow:0 8px 24px rgba(20,33,61,.12);min-width:200px;padding:6px 0;display:flex;flex-direction:column}
 .menu .drop a{color:var(--navy);text-decoration:none;padding:12px 18px;font-size:1rem}
 .menu .drop a[aria-current]{color:var(--ox)}
 header .wrap{flex-wrap:nowrap}
 .callbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:9;background:var(--navy)}
 .callbar a{flex:1;display:flex;flex-direction:column;align-items:center;gap:4px;padding:10px 8px 12px;color:#fff;font-weight:500;font-size:.92rem;text-decoration:none;border-right:1px solid rgba(255,255,255,.22);background:var(--navy)!important}
 .callbar svg{width:22px;height:22px}
 .callbar a:last-child{border-right:0}
 body{padding-bottom:70px}.hero .btn-p{display:block;text-align:center;margin-right:0}}
.hero{padding:12px 0 26px}
.hero p.lede{font-size:1.08rem;line-height:1.5;color:#45413b;max-width:600px;margin-top:-.1em}
.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:clamp(.5rem,2.2vw,.74rem);white-space:nowrap;color:var(--navy);font-weight:600;margin-bottom:1.3em}
.btn{display:inline-block;padding:14px 24px;border-radius:3px;font-weight:700;text-decoration:none;margin:6px 10px 0 0}
.btn-p{background:var(--ox);color:#fff}.btn-p:hover{background:var(--ox-d)}
.btn-s{border:1.5px solid var(--navy);color:var(--navy)}
.verify{display:inline-block;margin-top:14px;font-size:.95rem;color:var(--navy)}
@media(max-width:720px){.hero .vwrap{text-align:center}}
.hrule{border:0;border-top:1px solid var(--line);margin:22px 0 0}
main{padding:8px 0 56px}.lede-sm{font-size:1.08rem;color:#45413b}
.crumb{margin-top:24px}
.rlist{list-style:none;padding:0;margin:16px 0;border:1px solid var(--line);background:var(--card)}
.rlist li{border-bottom:1px solid var(--line)}.rlist li:last-child{border-bottom:0}
.rlist a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:15px 16px;text-decoration:none;color:var(--navy)}
.rlist a:hover{background:var(--card)}.rlist b{font-weight:500;font-size:1.02rem}
.rlist span{color:var(--muted);font-size:.95rem}.rlist a:after{content:"›";color:var(--navy);font-size:1.5rem;line-height:1}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:22px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:20px}
.card h3 a{color:var(--navy);text-decoration:none}.card p{color:var(--muted);margin:0}
.note{background:var(--card);border-left:3px solid var(--ox);padding:14px 18px;margin:18px 0}
ul.check{padding-left:0;list-style:none}ul.check li{padding-left:24px;position:relative;margin:.45em 0}
ul.check li:before{content:"";position:absolute;left:4px;top:.68em;width:8px;height:1.5px;background:var(--ox)}
table{border-collapse:collapse;width:100%;background:var(--card);border:1px solid var(--line)}
td,th{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{color:var(--navy);font-family:"Newsreader",Georgia,serif;font-size:1.05rem}
.cta{border-top:2px solid var(--navy);border-bottom:1px solid var(--line);padding:26px 0;margin-top:40px}
.cta h2{margin-top:0}.cta p{color:var(--muted)}
footer{background:var(--navy);color:#b9c0cc;padding:30px 0;font-size:.9rem}footer a{color:#e8ebf0}
.crumb{font-size:.88rem;color:var(--muted);margin-bottom:12px;text-transform:uppercase;letter-spacing:.08em}.crumb a{color:var(--muted);text-decoration:none}