:root{--navy:#00418D;--blue:#0191D5;--gold:#D9A02B;--pale:#DCEAF6;--ink:#1E2A36;--gray:#5B6B7B;--line:#C9D6E2;--max:1080px}
*{box-sizing:border-box}html{scroll-behavior:smooth}[id]{scroll-margin-top:96px}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;font-size:17px;background:#fff}
a{color:var(--navy)}a:hover{color:var(--blue)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
header{border-bottom:3px solid var(--gold);background:#fff;position:sticky;top:0;z-index:10}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding:10px 0}
.bar img{height:68px;width:auto;display:block}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px 18px;flex-wrap:wrap;align-items:center}
nav a{text-decoration:none;font-weight:bold;font-size:15px;color:var(--navy);padding:6px 2px}
nav a[aria-current=page]{border-bottom:3px solid var(--gold)}
.btn{display:inline-block;background:var(--navy);color:#fff!important;text-decoration:none;font-weight:bold;padding:13px 22px;border-radius:6px;border:2px solid var(--navy)}
.btn:hover{background:var(--blue);border-color:var(--blue)}
.btn.alt{background:#fff;color:var(--navy)!important}.btn.alt:hover{background:var(--pale);border-color:var(--navy)}
nav .btn{padding:8px 14px;font-size:15px}
.hero{background:var(--pale);padding:64px 0 56px}
.hero h1{font-size:clamp(30px,5vw,46px);line-height:1.15;margin:0 0 16px;color:var(--navy)}
.hero p.lead{font-size:20px;max-width:760px;margin:0 0 24px}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap}
.page-head{background:var(--pale);padding:44px 0 36px}.page-head h1{margin:0 0 8px;font-size:clamp(28px,4vw,38px);color:var(--navy);line-height:1.2}.page-head p{margin:0;font-size:19px;max-width:760px}
section{padding:48px 0}section.alt{background:#F6F9FC}
h2{color:var(--navy);font-size:28px;line-height:1.25;margin:0 0 12px}h3{color:var(--navy);font-size:20px;margin:0 0 6px}
.rule{width:64px;height:4px;background:var(--gold);margin:0 0 20px;border:0}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:6px;padding:20px;background:#fff}
.card p{margin:6px 0 0}.card .tag{font-size:13px;font-weight:bold;color:var(--blue);text-transform:uppercase;letter-spacing:.04em}
.trust{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));text-align:center}
.trust strong{display:block;color:var(--navy);font-size:19px}
.quote{background:var(--pale);border-left:5px solid var(--gold);padding:22px 26px;font-size:19px;margin:0;border-radius:4px}
.quote cite{display:block;margin-top:8px;font-size:15px;color:var(--gray);font-style:normal}
.cta{background:var(--navy);color:#fff;text-align:center;padding:48px 0}.cta h2{color:#fff}.cta p{max-width:640px;margin:0 auto 22px}.cta .btn{background:#fff;color:var(--navy)!important;border-color:#fff}.cta .btn:hover{background:var(--pale)}
.tw{overflow-x:auto;-webkit-overflow-scrolling:touch}table{border-collapse:collapse;width:100%;font-size:16px;min-width:520px}th{background:var(--navy);color:#fff;text-align:left}th,td{padding:10px 12px;border:1px solid var(--line);vertical-align:top}tbody tr:nth-child(even){background:var(--pale)}
.note{background:var(--pale);border-left:5px solid var(--gold);padding:14px 18px;border-radius:4px;margin:20px 0}
ul.tick{padding-left:20px}ul.tick li{margin:6px 0}
.two{display:grid;gap:36px;grid-template-columns:1fr}
@media(min-width:860px){.two{grid-template-columns:1.1fr .9fr}}
form{background:#fff;border:1px solid var(--line);border-top:5px solid var(--gold);border-radius:6px;padding:24px}
label{display:block;font-weight:bold;margin:14px 0 4px;font-size:15px}
input[type=text],input[type=email],input[type=tel],textarea,select{width:100%;padding:11px;border:1px solid #8896A5;border-radius:5px;font:inherit}
textarea{min-height:110px}
input:focus,textarea:focus,select:focus,a:focus,button:focus{outline:3px solid var(--blue);outline-offset:2px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:normal;margin-top:16px;font-size:15px}.check input{margin-top:5px}
.hp{position:absolute;left:-9999px}
#form-msg{margin-top:14px;font-weight:bold}
footer{background:#0B2A4F;color:#E8EEF5;padding:40px 0 24px;font-size:15px}footer a{color:#fff}
footer .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}footer h3{color:#fff;font-size:16px}
footer ul{list-style:none;margin:0;padding:0}footer li{margin:4px 0}footer .small{margin-top:24px;border-top:1px solid #34567E;padding-top:14px;font-size:13px;color:#B8C6D6}
@media(max-width:700px){header{position:static}.bar img{height:58px}section{padding:36px 0}}
.subnav{background:#fff;border-bottom:1px solid var(--line)}.subnav .wrap{display:flex;gap:6px 22px;flex-wrap:wrap;align-items:center;padding:10px 20px}.subnav strong{color:var(--gray);font-size:14px;text-transform:uppercase;letter-spacing:.04em}.subnav a{font-weight:bold;text-decoration:none;color:var(--navy);padding:4px 2px}.subnav a[aria-current=page]{border-bottom:3px solid var(--gold)}
.banner{background:var(--pale);border-left:6px solid var(--gold);padding:22px 26px;border-radius:4px;display:flex;gap:18px 28px;flex-wrap:wrap;align-items:center;justify-content:space-between}.banner h2{margin:0 0 6px;font-size:24px}.banner p{margin:0;max-width:640px}
.doc{max-width:820px;font-size:17px;line-height:1.65}.doc h1{font-size:28px;color:var(--navy)}.doc h2{font-size:22px;margin-top:30px}.doc h3{font-size:18px;margin-top:22px}.doc ol,.doc ul{padding-left:24px}.doc p{margin:0 0 12px}.doc table{min-width:0}
.doc .li{display:flex;margin:0 0 11px 0;margin-left:calc(var(--i,0)*1pt)}.doc .li .n{flex:0 0 calc(var(--w,18)*1pt);font-weight:normal}.doc .li .t{flex:1 1 0;min-width:0;overflow-wrap:anywhere}
.doc p,.doc td,.doc th,.doc h2{overflow-wrap:anywhere}.doc .ind{margin-left:calc(var(--i,0)*1pt)}.doc .c,.doc h2.c{text-align:center}.doc strong{font-weight:700}
.doc-toc{background:var(--pale);border-left:5px solid var(--gold);border-radius:4px;padding:14px 20px;margin:0 0 28px}.doc-toc strong{color:var(--navy)}.doc-toc ul{columns:2;column-gap:28px;list-style:none;margin:8px 0 0;padding:0}.doc-toc li{margin:4px 0;break-inside:avoid}.doc-toc a{color:var(--navy);font-weight:bold;text-decoration:none}.doc-toc a:hover{text-decoration:underline}
.doc-ver{color:var(--gray);font-size:14px;margin:0 0 14px}.doc h2,.doc h3{color:var(--navy)}.doc .tw{margin:14px 0}.doc table{font-size:15px}.doc td p,.doc th p{margin:0 0 6px}
@media(max-width:700px){.doc-toc ul{columns:1}.doc .li{margin-left:calc(var(--i,0)*.45pt)}.doc .ind{margin-left:calc(var(--i,0)*.45pt)}.doc .li .n{flex-basis:calc(var(--w,18)*.9pt);min-width:1.6em}}
.gate{max-width:520px}.gate input[type=password]{width:100%;padding:12px;border:1px solid #8896A5;border-radius:5px;font:inherit}.doc-tools{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:18px}.doc-tools .btn{padding:9px 16px;font-size:15px}
@media print{header,footer,.page-head,.doc-tools,.subnav,.skip{display:none!important}body{font-size:12pt}section{padding:0}.wrap{max-width:none;padding:0}}
.legal{max-width:760px}.legal h2{font-size:22px;margin-top:28px}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:20}

header{background:#0c0e11}
nav a{color:#E8EEF5}nav a:hover{color:#6CC6F0}nav a[aria-current=page]{border-bottom-color:var(--gold)}
.bar img{mix-blend-mode:lighten;height:74px}
.btn{background:var(--blue);border-color:var(--blue)}.btn:hover{background:#2FA9E3;border-color:#2FA9E3}
.btn.alt{background:transparent;color:#fff!important;border-color:#fff}.btn.alt:hover{background:rgba(255,255,255,.12);border-color:#fff}
.hero,.page-head{background:linear-gradient(rgba(8,10,12,.12),rgba(8,10,12,.30)),url(/assets/rock.jpg) center/cover;color:#fff}
.hero{text-align:center;padding:56px 0 64px}.hero h1,.page-head h1{color:#fff}.hero p.lead{margin-left:auto;margin-right:auto;color:#E8EEF5}.hero .actions{justify-content:center}
.page-head p{color:#E8EEF5}
.hero-logo{display:block;margin:0 auto 18px;width:min(440px,78%);height:auto;mix-blend-mode:lighten}
.cta{background:linear-gradient(rgba(8,10,12,.25),rgba(8,10,12,.45)),url(/assets/rock.jpg) center/cover}.cta .btn{background:var(--blue);border-color:var(--blue);color:#fff!important}.cta .btn:hover{background:#2FA9E3;border-color:#2FA9E3}
footer{background:#0c0e11}footer .small{border-top-color:#2a2f36}
header{border-bottom-color:var(--gold)}
@media(max-width:700px){.bar img{height:60px}.hero-logo{width:70%}}