:root{--navy:#1a2440;--navy2:#0d1628;--steel:#6b9bbf;--gold:#e8a020;--cream:#f4f2ee;--white:#fff;--muted:#596984;}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--navy);background:var(--cream);line-height:1.7}
.nav{background:var(--navy2);min-height:70px;padding:10px 32px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;text-decoration:none;color:#fff;font-weight:800}
.brand img{height:48px;width:auto}
.home-link{color:#fff;text-decoration:none;font-size:14px;border:1px solid rgba(255,255,255,.25);border-radius:8px;padding:9px 15px}
.home-link:hover{border-color:var(--gold);color:var(--gold)}
.hero{background:linear-gradient(135deg,var(--navy2),#1e3460);padding:64px 24px 58px;color:#fff}
.hero-inner,.content,.footer-inner{max-width:900px;margin:0 auto}
.eyebrow{color:var(--gold);font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase}
h1{font-family:Georgia,serif;font-size:clamp(2.2rem,6vw,4rem);line-height:1.1;margin:10px 0 14px}
.meta{color:rgba(255,255,255,.62);font-size:14px}
.content{background:#fff;margin-top:-26px;margin-bottom:50px;padding:44px 56px;border-radius:14px;box-shadow:0 18px 45px rgba(13,22,40,.08)}
h2{color:var(--navy);font-size:21px;margin:34px 0 10px}
h2:first-child{margin-top:0}
p,li{font-size:15px;color:#35435c}
ul{padding-left:24px}
a{color:#2b678f}
.callout{background:#fff8e9;border:1px solid #efd08b;border-left:4px solid var(--gold);border-radius:8px;padding:18px 20px;margin:22px 0;color:#293750}
.sms-box{background:#eef5fa;border:1px solid #c9dce9;border-radius:10px;padding:20px 22px;margin:20px 0}
.sms-box h2{margin-top:0}
.footer{background:#080f1c;color:rgba(255,255,255,.62);padding:30px 24px;font-size:13px}
.footer a{color:#fff;margin-right:18px}
.footer-links{margin-bottom:10px}
@media(max-width:640px){.nav{padding:10px 18px}.content{margin:-20px 14px 36px;padding:30px 22px}.hero{padding:48px 20px}.home-link{font-size:12px;padding:8px 10px}}