:root{
  --navy:#0B2C5C; --navy-dk:#071F42; --gold:#C9A227; --ink:#1C1C1C;
  --muted:#5A5A5A; --line:#E3E3E3; --bg:#FFFFFF; --wash:#F6F7F9;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Lato,-apple-system,Segoe UI,Helvetica,Arial,sans-serif;color:var(--ink);
  background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:880px;margin:0 auto;padding:0 28px}
header{border-top:5px solid var(--gold);background:var(--navy);color:#fff}
.bar{display:flex;align-items:center;justify-content:space-between;gap:20px;
  padding:10px 0;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand img{height:296px;width:296px}
.brand .name{font-size:1.35rem;font-weight:900;letter-spacing:.3px;line-height:1.1}
.brand .tag{display:block;font-size:.72rem;font-weight:700;letter-spacing:1.6px;
  text-transform:uppercase;color:var(--gold)}
nav a{color:#fff;text-decoration:none;font-weight:700;font-size:.9rem;margin-left:22px;
  padding-bottom:3px;border-bottom:2px solid transparent}
nav a:hover,nav a.on{border-bottom-color:var(--gold)}
.hero{background:var(--navy-dk);color:#fff;padding:64px 0 56px}
.hero h1{font-size:2.6rem;line-height:1.15;font-weight:900;max-width:20ch}
.hero .sub{margin-top:20px;font-size:1.2rem;color:#D6DEEA;max-width:60ch}
.rule{height:3px;width:70px;background:var(--gold);margin:26px 0}
section{padding:56px 0;border-bottom:1px solid var(--line)}
section:last-of-type{border-bottom:0}
section:nth-of-type(even){background:var(--wash);
  box-shadow:0 0 0 100vmax var(--wash);clip-path:inset(0 -100vmax)}
section h2::after{content:"";display:block;height:4px;width:56px;background:var(--gold);
  margin-top:10px;margin-bottom:16px}
h2{font-size:1.75rem;font-weight:900;color:var(--navy);margin-bottom:8px}
h2+.kicker{color:var(--muted);font-weight:700;margin-bottom:18px}
h3{font-size:1.1rem;font-weight:800;color:var(--navy);margin-bottom:6px}
p{margin-bottom:14px;font-size:1.05rem}
p.big{font-size:1.3rem;font-weight:700;color:var(--navy)}
.defbox{background:var(--navy);color:#fff;border-left:10px solid var(--gold);
  padding:30px 32px;margin:26px 0;border-radius:6px}
.defbox .lbl{display:block;font-size:.8rem;font-weight:900;letter-spacing:1.8px;
  text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.defbox p{font-size:1.25rem;margin:0;color:#fff}
.qa{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:8px}
.qa .q{background:#fff;border:1px solid var(--line);border-top:6px solid var(--navy);
  padding:24px;border-radius:6px;box-shadow:0 2px 10px rgba(11,44,92,.06)}
.qa .q h3{color:var(--muted);font-size:.82rem;letter-spacing:1.4px;text-transform:uppercase;
  font-weight:900;margin-bottom:8px}
.qa .q p{font-size:1.15rem;font-weight:800;color:var(--navy);margin:0}
.beat{border-left:6px solid var(--gold);padding:16px 0 16px 22px;margin:22px 0;
  background:#fff;border-radius:0 6px 6px 0}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:18px;margin-top:10px}
.stat{background:var(--navy);border-top:6px solid var(--gold);padding:24px;border-radius:6px}
.stat .n{font-size:2.2rem;font-weight:900;color:var(--gold);line-height:1.1}
.stat p{font-size:.98rem;color:#D6DEEA;margin:8px 0 0}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:18px}
.card{border:1px solid var(--line);border-top:6px solid var(--gold);padding:24px;background:#fff;
  border-radius:6px;box-shadow:0 2px 10px rgba(11,44,92,.06)}
.card p{font-size:.98rem;margin:0}
ul{margin:0 0 14px 20px}
li{margin-bottom:8px;font-size:1.05rem}
.cta{background:var(--navy);color:#fff;padding:44px 0;text-align:center}
.cta h2{color:#fff}
.cta p{color:#D6DEEA;max-width:56ch;margin:0 auto 22px}
.btn{display:inline-block;background:var(--gold);color:var(--navy-dk);font-weight:900;
  text-decoration:none;padding:16px 30px;border-radius:4px;font-size:1.05rem}
.btn:hover{background:#DBB53C}
.btn.line{background:transparent;color:#fff;border:2px solid var(--gold)}
.btn.block{display:block;width:100%;margin:26px 0;padding:34px 28px;
  background:var(--gold);color:var(--navy-dk);border:3px solid var(--navy);border-radius:10px;
  font-size:1.5rem;line-height:1.25;font-weight:900;text-align:center;text-decoration:none;
  letter-spacing:.3px;box-shadow:0 6px 0 var(--navy);transition:.12s}
.btn.block:hover{background:#DBB53C;transform:translateY(2px);box-shadow:0 4px 0 var(--navy)}
.close{font-size:1.7rem;font-weight:900;color:var(--navy);text-align:center;padding:52px 20px;
  border-top:5px solid var(--gold);border-bottom:5px solid var(--gold);margin:40px 0 0;
  background:var(--wash)}
.note{font-size:.9rem;color:var(--muted)}
footer{background:var(--navy-dk);color:#B9C4D4;padding:34px 0;font-size:.92rem}
footer a{color:var(--gold);text-decoration:none}
footer .row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
@media(max-width:640px){.hero h1{font-size:1.9rem}nav a{margin:0 16px 0 0}}