:root {
  --navy: #003373;
  --navy-2: #001f47;
  --yellow: #f5e000;
  --ink: #1c2430;
  --muted: #5b6570;
  --paper: #f6f4ee;
  --line: #d5d0c6;
  --white: #fff;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: "Segoe UI", Calibri, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
}
a { color: var(--navy); }
img { max-width: 100%; height: auto; display: block; }
.wrap { width: min(1080px, calc(100% - 40px)); margin: 0 auto; }

/* header */
.topbar {
  background: var(--navy);
  color: #d7e3f4;
  font-size: 13px;
  padding: 8px 0;
}
.topbar .wrap { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
header.site {
  border-bottom: 4px solid var(--yellow);
  background: #fff;
}
header.site .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; padding: 12px 0;
}
.brand img { height: 64px; width: auto; }
nav.main { display: flex; flex-wrap: wrap; gap: 6px 16px; }
nav.main a {
  text-decoration: none; color: var(--navy); font-weight: 700; font-size: 14px;
}
nav.main a:hover, nav.main a.active { color: #0a4ea3; text-decoration: underline; }

/* hero */
.hero {
  background: var(--navy-2) center/cover no-repeat;
  color: #fff;
  position: relative;
  min-height: 360px;
  display: flex; align-items: flex-end;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(0,19,47,.35) 0%, rgba(0,19,47,.82) 100%);
}
.hero .wrap { position: relative; z-index: 1; padding: 48px 0 36px; }
.hero p.kicker {
  margin: 0 0 8px; letter-spacing: .12em; text-transform: uppercase;
  font-size: 12px; color: var(--yellow); font-weight: 700;
}
.hero h1 { margin: 0 0 12px; font-size: clamp(28px, 4vw, 42px); line-height: 1.15; }
.hero .lede { font-size: 18px; max-width: 640px; color: #e8eef6; }
.btn {
  display: inline-block; margin-top: 16px; margin-right: 8px;
  background: var(--yellow); color: var(--navy-2);
  font-weight: 800; text-decoration: none;
  padding: 12px 18px; border-radius: 3px;
}
.btn.ghost { background: transparent; color: #fff; border: 2px solid #fff; }

/* layout */
main { padding: 36px 0 56px; }
h2 { color: var(--navy); margin: 0 0 12px; font-size: 26px; }
h3 { color: var(--navy); margin: 0 0 8px; }
.grid-2, .grid-3 { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.card {
  background: var(--paper);
  border: 1px solid var(--line);
  padding: 0;
  overflow: hidden;
}
.card img { width: 100%; height: 190px; object-fit: cover; }
.card .pad { padding: 16px 18px 20px; }
.card h3 { font-size: 18px; }
.muted { color: var(--muted); }
.note {
  background: #fff8d0; border-left: 4px solid var(--yellow);
  padding: 12px 16px; margin: 20px 0;
}
ul.clean { padding-left: 18px; }
ul.clean li { margin: 6px 0; }
.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: 28px; align-items: start; }
@media (max-width: 800px) { .split { grid-template-columns: 1fr; } }

table.plain { width: 100%; border-collapse: collapse; font-size: 15px; }
table.plain th, table.plain td {
  text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top;
}
table.plain th { background: var(--navy); color: #fff; }

.cta-band {
  background: var(--navy); color: #fff; padding: 28px 0;
}
.cta-band h2 { color: #fff; }
.cta-band a { color: var(--yellow); }

footer.site {
  background: #0d1a2b; color: #c5d0dc; font-size: 14px; padding: 28px 0 18px;
}
footer.site a { color: #fff; }
footer.site .wrap { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 20px; }
@media (max-width: 800px) { footer.site .wrap { grid-template-columns: 1fr; } }
.tiny { font-size: 12px; color: #8b97a6; margin-top: 18px; }