:root{--navy:#10283f;--gold:#b59151;--cream:#f4f0e8;--paper:#fbfaf7;--ink:#17212a;--muted:#62707c;--line:#d9d5ca}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,sans-serif;line-height:1.6}a{color:inherit}.header{height:92px;padding:0 5vw;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);background:rgba(251,250,247,.96);position:sticky;top:0;z-index:10}.brand{display:flex;align-items:center;gap:13px;text-decoration:none;color:var(--navy);text-transform:uppercase;font-size:12px;font-weight:700;line-height:1.3;letter-spacing:.13em}.mark{width:40px;height:40px;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-family:Georgia,serif;font-size:13px;letter-spacing:0}nav{display:flex;gap:30px;align-items:center;font-size:14px}nav a{text-decoration:none}.outline{border:1px solid var(--navy);padding:10px 17px}.hero{min-height:690px;padding:100px 7vw 80px;display:grid;grid-template-columns:1.4fr .72fr;gap:9vw;align-items:center;background:linear-gradient(110deg,var(--paper) 0 63%,var(--cream) 63%)}.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.18em;font-size:12px;font-weight:700;margin:0 0 18px}h1,h2{font-family:Georgia,serif;color:var(--navy);font-weight:400;line-height:1.08;margin:0}h1{font-size:clamp(52px,7vw,92px);letter-spacing:-.045em}h1 em{color:var(--gold);font-weight:400}.lede{max-width:690px;font-size:21px;color:var(--muted);margin:30px 0}.actions{display:flex;gap:14px;margin:36px 0 20px}.button{padding:15px 22px;text-decoration:none;font-size:14px;font-weight:700}.primary{background:var(--navy);color:#fff}.secondary{border:1px solid var(--navy)}.small,.heading>p:last-child{color:var(--muted)}.trust{background:var(--navy);color:#c6d0d8;padding:42px;box-shadow:0 24px 70px #10283f26}.trust>span{color:var(--gold);font-size:12px;letter-spacing:.18em}.trust h2{color:#fff;font-size:38px;margin:23px 0}.trust ul{padding:20px 0 0;list-style:none;border-top:1px solid #385169}.trust li{padding:7px 0 7px 23px;position:relative}.trust li:before{content:"✓";position:absolute;left:0;color:var(--gold)}.notice{padding:24px 7vw;background:#e9e1d1;display:grid;grid-template-columns:180px 1fr;gap:25px;font-size:14px}.notice strong{color:var(--navy);text-transform:uppercase;letter-spacing:.12em;font-size:11px}.notice p{margin:0}.section{padding:100px 7vw}.heading{max-width:700px;margin-bottom:55px}.section h2{font-size:clamp(40px,5vw,62px);letter-spacing:-.035em}.steps{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line)}.steps article{padding:28px 26px 10px 0;border-right:1px solid var(--line);margin-right:26px}.steps article:last-child{border:0}.steps span{color:var(--gold);font-size:12px}.steps h3,.checks h3{color:var(--navy);font-family:Georgia,serif;font-size:24px;font-weight:400;margin:30px 0 12px}.steps p,.checks p{color:var(--muted);font-size:15px}.verify{background:var(--navy);color:#fff;display:grid;grid-template-columns:.75fr 1.25fr;gap:9vw}.verify h2{color:#fff}.verify>div>p:last-child{color:#c6d0d8}.checks article{display:flex;gap:24px;padding:25px 0;border-top:1px solid #365168}.checks b{flex:0 0 38px;height:38px;border:1px solid var(--gold);color:var(--gold);display:grid;place-items:center}.checks h3{color:#fff;margin:0 0 6px}.checks p{color:#c6d0d8;margin:0}.checks a{color:#fff}.fee{display:grid;grid-template-columns:1fr .8fr;gap:8vw;align-items:center;background:var(--cream)}.rate{border-left:1px solid var(--gold);padding-left:38px}.rate strong{display:block;color:var(--gold);font-family:Georgia,serif;font-size:92px;font-weight:400;line-height:1}.rate p,.legal{color:var(--muted)}.legal{grid-column:1/-1;padding-top:28px;border-top:1px solid var(--line);font-size:13px}.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:8vw}.faq details{border-top:1px solid var(--line);padding:22px 0}.faq summary{cursor:pointer;color:var(--navy);font-family:Georgia,serif;font-size:22px}.faq details p{color:var(--muted)}.contact{background:var(--gold);text-align:center}.contact .eyebrow{color:var(--navy)}.contact>p:not(.eyebrow){max-width:640px;margin:25px auto}.contact>a{font-family:Georgia,serif;font-size:clamp(22px,3vw,38px);text-underline-offset:6px}footer{background:#0b1e30;color:#bdc9d2;padding:60px 7vw 45px;font-size:13px}.light{color:#fff}.footer-grid{display:grid;grid-template-columns:1fr 1fr;gap:8vw;margin-top:30px}.footer-grid section,footer small{border-top:1px solid #30475a;padding-top:20px}.footer-grid strong{color:#fff}footer small{display:block;margin-top:30px}@media(max-width:850px){.header{height:auto;padding:20px 6vw}nav a:not(.outline){display:none}.hero,.verify,.fee,.faq,.footer-grid{grid-template-columns:1fr}.hero{padding:75px 6vw;background:var(--paper)}h1{font-size:52px}.steps{grid-template-columns:1fr 1fr}}@media(max-width:520px){.actions{flex-direction:column}.button{text-align:center}.steps{grid-template-columns:1fr}.steps article{border-right:0}.section{padding:75px 6vw}.notice{grid-template-columns:1fr}.trust{padding:30px}}