:root{--navy:#17233f;--teal:#12625e;--gold:#b98432;--cream:#f7f2ea;--ink:#243238;--muted:#65716f;--line:#e6dfd2}*{box-sizing:border-box}body{margin:0;background:#fbf9f5;color:var(--ink);font:15px/1.65 Arial,sans-serif}a{color:inherit}.wrap{width:min(1160px,calc(100% - 36px));margin:auto}.top{background:var(--navy);color:#fff;padding:16px 0}.brand{font-weight:700;letter-spacing:.04em}.top .wrap{display:flex;justify-content:space-between;gap:18px}.nav{background:#fff;border-bottom:1px solid var(--line);padding:13px 0}.navlinks{display:flex;gap:20px;flex-wrap:wrap;color:var(--navy);font-weight:700}.navlinks a{text-decoration:none}.crumb{color:var(--teal);font-size:13px;margin:28px 0 14px}.hero{background:var(--cream);padding:0 0 34px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:stretch}.hero-copy{padding:18px 0 24px}.kicker{color:var(--teal);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.hero h1{font:normal clamp(38px,5vw,66px)/1.08 Georgia,serif;color:var(--navy);margin:12px 0}.hero .tag{font-size:20px;color:var(--muted);max-width:620px}.hero img{width:100%;height:100%;min-height:340px;object-fit:cover;border-radius:18px}.section{padding:52px 0}.section h2{font:normal 34px/1.15 Georgia,serif;color:var(--navy);margin:0 0 16px}.section h3{color:var(--navy);margin:0 0 10px}.overview{font-size:18px;max-width:850px;color:var(--muted)}.glance{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:24px 0}.glance div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px}.glance strong{display:block;color:var(--teal);font-size:12px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:4px}.detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}.panel{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}.panel ul{margin:0;padding-left:20px}.panel li{margin:7px 0;color:var(--muted)}.flow{display:grid;gap:10px}.flow-row{display:grid;grid-template-columns:120px 180px 1fr;gap:14px;background:#f1f6f4;border-left:3px solid var(--teal);padding:13px 15px;border-radius:10px}.flow-row strong{color:var(--teal)}.flow-row b{color:var(--navy)}.cta{display:inline-block;background:var(--teal);color:#fff;padding:13px 20px;border-radius:99px;text-decoration:none;font-weight:700}.back{display:inline-block;margin-left:14px;color:var(--teal);font-weight:700}.note{background:var(--cream);border-left:4px solid var(--gold);padding:16px 18px;color:var(--navy)}.footer{background:var(--navy);color:#fff;padding:24px 0;margin-top:20px}@media(max-width:800px){.hero-grid,.detail-grid{grid-template-columns:1fr}.glance{grid-template-columns:repeat(2,1fr)}.hero img{min-height:240px}.flow-row{grid-template-columns:1fr;gap:3px}}@media(max-width:480px){.wrap{width:min(100% - 28px,1160px)}.top .wrap{flex-direction:column}.glance{grid-template-columns:1fr}.section{padding:38px 0}.flow-row{padding:12px}.back{display:block;margin:14px 0 0}}