:root{--brand:#204069;--brand-600:#283d53;--navy:#18304a;--slate:#475063;--sky:#9ac3eb;--field:#6a819d;--ink:#20242b;--muted:#6d7a89;--ring:0 0 0 3px rgba(32,64,105,.25)}*{box-sizing:border-box}body,html{height:100%}body{margin:0;font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,Apple Color Emoji,Segoe UI Emoji;color:var(--ink);background:#fff}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:1100px;margin:0 auto;padding:0 1rem}.btn{display:inline-block;border:0;background:var(--brand);color:#fff;padding:.8rem 1rem;border-radius:.6rem;font-weight:700;cursor:pointer;box-shadow:0 10px 20px rgba(227,90,31,.15)}.btn:hover{background:var(--brand-600)}.btn.secondary{background:var(--navy)}.section{padding:2.25rem 0}.section.alt{background:var(--cream);border-top:1px solid #f3e5db;border-bottom:1px solid #f3e5db}header{position:-webkit-sticky;position:sticky;top:0;background:hsla(0,0%,100%,.9);-webkit-backdrop-filter:saturate(180%) blur(6px);backdrop-filter:saturate(180%) blur(6px);border-bottom:1px solid #eef2f7;z-index:1000}.nav{display:flex;align-items:center;gap:1rem;padding:.8rem 0}.nav .spacer{flex:1 1}.nav a{color:var(--navy);font-weight:600}.hero{background:linear-gradient(135deg,var(--cream),#fff);border-bottom:1px solid #eef2f7}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;grid-gap:2rem;gap:2rem;align-items:center;padding:2.25rem 0}.hero-title{font-size:2.35rem;line-height:1.2;margin:.75rem 0}.hero-badge{background:var(--cream);color:var(--brand);font-weight:700;padding:.25rem .5rem;border-radius:.375rem;display:inline-block}.kicker{color:var(--brand);text-transform:uppercase;letter-spacing:.08em;font-size:.82rem;font-weight:800}.grid{display:grid;grid-gap:1.2rem;gap:1.2rem}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:1rem;gap:1rem}.card{border:1px solid #e5e7eb;border-radius:.75rem;padding:1rem;background:#fff}.card h3{margin:.25rem 0 .5rem}.card p{color:var(--muted)}.img-resp{width:100%;height:auto;border-radius:.5rem}table{width:100%;border-collapse:collapse}td,th{border:1px solid #e5e7eb;padding:.6rem .75rem;text-align:left}thead th{background:#fafafa}input,select,textarea{width:100%;border:1px solid #e5e7eb;padding:.7rem .8rem;border-radius:.5rem;outline:none}input:focus,select:focus,textarea:focus{box-shadow:var(--ring);border-color:var(--brand)}.form-grid{display:grid;grid-gap:1rem;gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr))}.breadcrumbs{display:flex;gap:.5rem;align-items:center;font-size:.9rem}.breadcrumbs,.breadcrumbs a{color:#475569}footer{background:var(--navy);margin-top:3rem;padding:2.25rem 0}footer,footer a{color:#fff}footer .cols{display:grid;grid-gap:1.25rem;gap:1.25rem;grid-template-columns:repeat(4,minmax(0,1fr))}small,time{color:#9aa3af}@media (max-width:900px){.cards,.hero-grid{grid-template-columns:1fr}footer .cols{grid-template-columns:1fr 1fr}.form-grid{grid-template-columns:1fr}}