*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}.sr-only{clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip-link{z-index:999;background:var(--navy);color:var(--white);border-radius:0 0 4px;padding:12px 20px;font-weight:700;text-decoration:none;position:absolute;top:0;left:-9999px}.skip-link:focus{outline:3px solid var(--gold);outline-offset:2px;left:0}:focus-visible{outline:2px solid var(--gold);outline-offset:2px}body{color:#333;background:#fff;font-family:Calibri,Arial,sans-serif;line-height:1.6}:root{--navy:#1b2b4b;--gold:#c9a84c;--charcoal:#333;--warm-white:#f7f7f5;--mid-gray:#888;--white:#fff}nav{z-index:100;background:var(--white);border-bottom:1px solid #e8e8e8;position:sticky;top:0;box-shadow:0 2px 8px #0000000f}.nav-inner{justify-content:space-between;align-items:center;max-width:1200px;height:72px;margin:0 auto;padding:0 32px;display:flex}.nav-logo{align-items:center;text-decoration:none;display:flex}.nav-logo img{width:auto;height:52px}.nav-links{align-items:center;gap:8px;list-style:none;display:flex}.nav-links a{color:var(--charcoal);border-radius:4px;padding:8px 16px;font-size:15px;font-weight:600;text-decoration:none;transition:color .15s,background .15s}.nav-links a:hover{color:var(--navy);background:var(--warm-white)}.nav-links .btn-portal{background:var(--navy);color:var(--white);border-radius:4px;padding:8px 18px}.nav-links .btn-portal:hover{color:var(--white);background:#253d6b}.nav-links .btn-getintouch{background:var(--gold);color:var(--navy);border-radius:999px;padding:8px 18px}.nav-links .btn-getintouch:hover{color:var(--navy);background:#d9b85c}.nav-toggle{cursor:pointer;background:0 0;border:none;flex-direction:column;gap:5px;padding:4px;display:none}.nav-toggle span{background:var(--charcoal);border-radius:2px;width:24px;height:2px;transition:all .2s;display:block}.btn-primary{background:var(--gold);color:var(--navy);border-radius:4px;padding:14px 32px;font-size:15px;font-weight:700;text-decoration:none;transition:background .15s,transform .1s;display:inline-block}.btn-primary:hover{background:#d9b85c;transform:translateY(-1px)}.btn-primary.navy{background:var(--navy);color:var(--white)}.btn-primary.navy:hover{background:#253d6b}.btn-outline{color:var(--white);background:0 0;border:2px solid #ffffff80;border-radius:4px;padding:13px 32px;font-size:15px;font-weight:700;text-decoration:none;transition:border-color .15s,background .15s;display:inline-block}.btn-outline:hover{border-color:var(--white);background:#ffffff14}section{padding:80px 32px}.section-inner{max-width:1200px;margin:0 auto}.section-label{letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:12px;font-size:12px;font-weight:700}.section-title{color:var(--navy);margin-bottom:16px;font-family:Georgia,Times New Roman,serif;font-size:clamp(26px,4vw,36px);font-weight:700;line-height:1.25}.section-desc{color:var(--mid-gray);max-width:600px;font-size:17px;line-height:1.65}.gold-rule{background:var(--gold);width:56px;height:3px;margin:0 auto 28px}.gold-rule.left{margin:0 0 28px}.page-head{background:var(--navy);color:var(--white);text-align:center;padding:72px 32px 60px}.page-head .eyebrow{letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:16px;font-size:13px;font-weight:700}.page-head h1{color:var(--white);margin-bottom:16px;font-family:Georgia,Times New Roman,serif;font-size:clamp(30px,5vw,44px);font-weight:700;line-height:1.15}.page-head p{color:#ffffffd1;max-width:620px;margin:0 auto;font-size:clamp(16px,2.2vw,19px)}footer{background:var(--navy);color:#ffffffa6;text-align:center;padding:32px;font-size:13px}footer a{color:var(--gold);text-decoration:none}footer a:hover{text-decoration:underline}.footer-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;max-width:1200px;margin:0 auto;display:flex}.footer-logo img{opacity:1;height:36px}.footer-tagline{color:var(--gold);font-size:13px;font-style:italic}@media (max-width:768px){.nav-links{background:var(--white);border-bottom:1px solid #e8e8e8;flex-direction:column;padding:16px 32px 24px;display:none;position:absolute;top:72px;left:0;right:0;box-shadow:0 4px 16px #00000014}.nav-links.open,.nav-toggle{display:flex}section{padding:56px 20px}.footer-inner{text-align:center;justify-content:center}}