:root{--navy:#102638;--ink:#263b49;--muted:#65727b;--gold:#b58d3e;--cream:#f4f1e9;--line:#e2ddd2}
*{box-sizing:border-box}
body{margin:0;background:#fbfaf7;color:var(--ink);font-family:Arial,Helvetica,sans-serif}
a{color:#345f78}
.wrap{width:min(1120px,calc(100% - 36px));margin:auto}
header{position:sticky;top:0;z-index:100;background:rgba(251,250,247,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand img{width:48px;height:48px;object-fit:contain}
.brand b{display:block;font:500 19px Georgia,serif}
.brand span{display:block;color:#7a858d;font-size:10px;letter-spacing:.08em;text-transform:uppercase;margin-top:2px}
.navlinks{display:flex;gap:15px;flex-wrap:wrap;font-size:11px;font-weight:700}
.navlinks a{text-decoration:none;color:#53616b}
.hero{padding:74px 0 44px;border-bottom:1px solid var(--line)}
.eyebrow{font-size:10px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
h1,h2,h3{font-family:Georgia,serif;color:var(--navy);font-weight:500}
h1{font-size:clamp(42px,7vw,72px);line-height:.98;margin:12px 0 18px}
h2{font-size:34px;line-height:1.08;margin:0 0 14px}
h3{font-size:21px;margin:24px 0 8px}
.lead{font-size:16px;line-height:1.7;color:#5f6c75;max-width:840px}
.meta{font-size:11px;color:#7d878e;margin-top:20px}
main{padding:52px 0 80px}
.grid{display:grid;grid-template-columns:260px 1fr;gap:42px}
.toc{position:sticky;top:106px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}
.toc b{display:block;font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.toc a{display:block;padding:7px 0;text-decoration:none;font-size:11px;color:#5e6d77}
.section{padding:0 0 42px;margin-bottom:42px;border-bottom:1px solid var(--line)}
.section:last-child{border-bottom:0}
.section p,.section li{font-size:13px;line-height:1.72;color:#56656f}
.section ul{padding-left:20px}
.callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:14px;padding:18px 20px;margin:18px 0}
.callout p{margin:0}
.table{width:100%;border-collapse:collapse;margin:16px 0;background:#fff;border:1px solid var(--line)}
.table th,.table td{padding:12px;border-bottom:1px solid var(--line);vertical-align:top;text-align:left;font-size:12px;line-height:1.55}
.table th{color:var(--navy);width:28%}
.formcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px}
.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.field.full{grid-column:1/-1}
label{display:block;font-size:11px;font-weight:700;margin-bottom:6px;color:#344957}
input,select,textarea{width:100%;border:1px solid #d8d3c7;border-radius:10px;padding:11px 12px;font:13px Arial,sans-serif;background:#fff}
textarea{min-height:130px}
button{border:0;border-radius:999px;padding:12px 17px;background:var(--navy);color:#fff;font-weight:700;cursor:pointer}
.small{font-size:11px!important;color:#7b858c!important}
footer{background:#0d2231;color:#d6dfe4;padding:42px 0}
.footerlinks{display:flex;gap:17px;flex-wrap:wrap;margin-top:14px}
.footerlinks a{color:#c8d3da;text-decoration:none;font-size:11px}
@media(max-width:800px){.grid{grid-template-columns:1fr}.toc{position:static}.navlinks{display:none}.formgrid{grid-template-columns:1fr}}