*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Poppins',Arial,sans-serif;background:#FBF9F4;color:#1c2333}
a{color:#14264C}
nav{display:flex;justify-content:space-between;align-items:center;padding:16px 34px;border-bottom:3px double #B9975B;background:#FBF9F4;flex-wrap:wrap}
.logo{font-weight:800;font-size:18px;color:#14264C;letter-spacing:.4px}
.logo small{display:block;font-size:10px;letter-spacing:2.5px;color:#B9975B;font-weight:600}
nav ul{display:flex;gap:20px;list-style:none;font-size:12.5px;font-weight:600;flex-wrap:wrap}
nav ul a{color:#33415e;text-decoration:none}nav ul a.on{color:#B9975B}
.hero{padding:52px 34px 38px;text-align:center;border-bottom:1px solid #e7dfc9}
.kicker{color:#B9975B;font-weight:800;font-size:11.5px;letter-spacing:3.5px}
.hero h1{font-size:42px;font-weight:800;color:#14264C;margin:12px 0 10px}
.hero p{font-size:15px;color:#4c5872;line-height:1.7;max-width:640px;margin:0 auto 22px}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;font-weight:600;font-size:14px;text-decoration:none;margin:0 5px 8px}
.btn-navy{background:#14264C;color:#fff}.btn-line{border:1.5px solid #14264C;color:#14264C}
.finding{margin:22px auto 0;max-width:992px;background:#fff;border:1px solid #e7dfc9;border-left:5px solid #B9975B;padding:20px 22px;display:flex;gap:20px;align-items:center}
.finding b{color:#14264C;font-size:15px}.finding p{font-size:13px;line-height:1.6;color:#5a6580}
.finding .no{font-size:30px;font-weight:800;color:#B9975B;white-space:nowrap}
.sect{padding:34px;max-width:1060px;margin:0 auto}
.sect h2{font-size:26px;font-weight:800;color:#14264C;margin-bottom:8px}
.sect h3{font-size:19px;font-weight:800;color:#14264C;margin:24px 0 6px}
.sect p{font-size:14.5px;color:#4c5872;line-height:1.75;margin-bottom:12px;max-width:780px}
.sect ul{margin:0 0 14px 20px;font-size:14.5px;color:#4c5872;line-height:1.85}
.cols{display:flex;gap:14px;flex-wrap:wrap;margin-top:14px}
.col{flex:1;min-width:240px;background:#fff;border:1px solid #e7dfc9;border-radius:6px;padding:18px}
.col .k{font-size:10.5px;letter-spacing:2px;color:#B9975B;font-weight:800}
.col b{display:block;font-size:15px;color:#14264C;margin:7px 0 6px}
.col span{font-size:12.5px;color:#5a6580;line-height:1.6;display:block}
.pagehead{padding:44px 34px 10px;max-width:1060px;margin:0 auto}
.pagehead h1{font-size:36px;font-weight:800;color:#14264C}
.pagehead p{color:#4c5872;font-size:15px;margin-top:8px;max-width:700px;line-height:1.7}
.lbl{font-size:11px;font-weight:800;letter-spacing:2px;color:#B9975B}
.proofbox{background:#14264C;color:#fff;border-radius:8px;padding:20px 22px;margin:18px 0}
.proofbox b{color:#E9CF8F}.proofbox p{color:#dfe5f2;margin:0;max-width:none}
footer{border-top:3px double #B9975B;padding:26px 34px;font-size:13px;color:#5a6580;line-height:1.8;margin-top:20px}
footer .row{display:flex;gap:26px;flex-wrap:wrap;justify-content:space-between;max-width:1060px;margin:0 auto}
footer a{font-weight:600}
@media(max-width:760px){.hero h1{font-size:32px}nav ul{gap:12px}}