:root{
      /* Banker-grade: all text black, high contrast */
      --ink:#000000;
      --bg:#ffffff;
      --panel:#ffffff;
      --soft:#f3f4f6;
      --border:#000000;
      --border2:#111111;
      --shadow:0 10px 24px rgba(0,0,0,.10);
      --radius:18px;
      --max:1160px;
    }

    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      font-family:Inter,system-ui,Arial,sans-serif;
      background:var(--bg);
      color:var(--ink);
      line-height:1.6;
      -webkit-font-smoothing:antialiased;
      text-rendering:optimizeLegibility;
    }

    /* Readability for international + older eyes */
    p, li{font-size:1.08rem}
    h1,h2,h3{color:var(--ink)}
    a{color:var(--ink)}
    a:hover{text-decoration:underline}

    /* Top bar */
    .topbar{
      position:sticky; top:0; z-index:50;
      background:#fff;
      border-bottom:3px solid var(--border);
    }
    .topbar .inner{
      max-width:var(--max);
      margin:0 auto;
      padding:16px 18px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:14px;
    }
    .brand{
      text-decoration:none;
      font-weight:900;
      letter-spacing:.2px;
      font-size:1.05rem;
      white-space:nowrap;
    }
    .nav{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      justify-content:flex-end;
    }
    .nav a{
      text-decoration:none;
      font-weight:900;
      font-size:0.95rem;
      padding:10px 12px;
      border:2px solid transparent;
      border-radius:12px;
    }
    .nav a:hover{
      border-color:var(--border2);
      text-decoration:none;
    }

    /* Layout */
    .wrap{
      max-width:var(--max);
      margin:0 auto;
      padding:30px 18px 88px;
    }

    .hero{
      border:3px solid var(--border);
      border-radius:24px;
      padding:28px;
      background:#fff;
      box-shadow:var(--shadow);
    }
    .kicker{
      font-weight:900;
      text-transform:uppercase;
      letter-spacing:2px;
      font-size:0.88rem;
      margin-bottom:10px;
    }
    h1{
      margin:0 0 10px;
      font-size:2.2rem;
      line-height:1.2;
      font-weight:900;
    }
    .sub{
      margin:0;
      font-weight:700;
      font-size:1.15rem;
      max-width:980px;
    }

    .infoRow{
      margin-top:18px;
      display:grid;
      grid-template-columns:repeat(3, 1fr);
      gap:12px;
    }
    .info{
      border:2px solid var(--border2);
      border-radius:16px;
      padding:14px;
      background:var(--soft);
      min-height:92px;
    }
    .info .label{
      font-weight:900;
      font-size:0.98rem;
      margin-bottom:6px;
    }
    .info .value{
      font-weight:800;
      font-size:1.05rem;
    }

    .ctaRow{
      margin-top:18px;
      display:flex;
      flex-wrap:wrap;
      gap:12px;
      align-items:center;
    }
    .btn{
      display:inline-block;
      text-decoration:none;
      font-weight:900;
      border:3px solid #000;
      border-radius:14px;
      padding:12px 14px;
      background:#000;
      color:#fff;
      font-size:1rem;
    }
    .btn:hover{background:#111}
    .btn.secondary{
      background:#fff;
      color:#000;
    }
    .btn.secondary:hover{background:var(--soft)}
    .note{
      margin:0;
      font-weight:800;
      font-size:1rem;
    }

    /* Sections */
    .sectionTitle{
      margin:28px 0 12px;
      font-size:1.28rem;
      font-weight:900;
      letter-spacing:.2px;
    }

    .grid{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:14px;
    }
    .card{
      border:2px solid var(--border2);
      border-radius:var(--radius);
      background:#fff;
      padding:18px;
    }
    .card h2{
      margin:0 0 10px;
      font-size:1.14rem;
      font-weight:900;
    }
    ul{margin:0; padding-left:18px}
    li{margin:7px 0; font-weight:700}

    .single{
      border:2px solid var(--border2);
      border-radius:var(--radius);
      background:#fff;
      padding:18px;
    }

    /* Contact */
    .contactBox{
      margin-top:18px;
      border:3px solid var(--border);
      border-radius:22px;
      padding:18px;
      background:var(--soft);
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:12px 18px;
    }
    .contactBox strong{
      display:block;
      margin-bottom:6px;
      font-weight:900;
      font-size:1rem;
    }
    .contactBox div{
      font-weight:800;
      font-size:1.05rem;
    }
    .contactBox a{
      font-weight:900;
      text-decoration:none;
    }
    .contactBox a:hover{text-decoration:underline}

    /* Form */
    .formWrap{
      margin-top:16px;
      border:2px solid var(--border2);
      border-radius:22px;
      background:#fff;
      padding:18px;
      box-shadow:var(--shadow);
    }
    .formGrid{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:14px;
    }
    .group{display:flex; flex-direction:column}
    .group.full{grid-column:1/-1}
    label{
      font-weight:900;
      margin-bottom:6px;
      font-size:1rem;
    }
    input, select, textarea{
      font-family:inherit;
      font-size:1.08rem;
      padding:14px 14px;
      border:2px solid #000;
      border-radius:12px;
      background:#fff;
      color:#000;
    }
    textarea{min-height:150px}
    input:focus, select:focus, textarea:focus{
      outline:none;
      box-shadow:0 0 0 5px rgba(0,0,0,.12);
    }
    .actions{
      margin-top:16px;
      border-top:2px solid #000;
      padding-top:16px;
    }
    .confirm{
      display:flex;
      gap:10px;
      align-items:flex-start;
      font-weight:900;
      font-size:1rem;
    }
    .submitBtn{
      margin-top:14px;
      width:100%;
      padding:16px;
      border:3px solid #000;
      border-radius:14px;
      background:#000;
      color:#fff;
      font-size:1.08rem;
      font-weight:900;
      cursor:pointer;
    }
    .submitBtn:hover{background:#111}

    /* Disclaimer */
    .disclaimer{
      margin-top:18px;
      border:2px dashed #000;
      border-radius:16px;
      padding:14px 16px;
      background:#fff;
      font-weight:800;
      font-size:1rem;
    }

    /* Footer */
    .footer{
      margin-top:54px;
      border-top:3px solid #000;
      padding-top:18px;
      display:flex;
      flex-wrap:wrap;
      justify-content:space-between;
      gap:10px;
      font-size:1rem;
      font-weight:900;
    }
    .toTop{
      position:fixed;
      right:16px;
      bottom:16px;
      border:3px solid #000;
      border-radius:999px;
      background:#fff;
      padding:10px 12px;
      font-weight:900;
      text-decoration:none;
      box-shadow:var(--shadow);
    }
    .toTop:hover{background:var(--soft); text-decoration:none}

    @media(max-width:980px){
      .infoRow{grid-template-columns:1fr}
      .grid{grid-template-columns:1fr}
      .contactBox{grid-template-columns:1fr}
      .formGrid{grid-template-columns:1fr}
    }
  html, body, #container
{
   width: 100%;
   height: 100%;
}
body
{
   background-color: #FFFFFF;
   color: #400000;
   font-family: Garamond;
   font-weight: normal;
   font-size: 13px;
   line-height: 1.1875;
   margin: 0;
   padding: 0;
}
a
{
   color: #400000;
   text-decoration: underline;
}
a:hover
{
   color: #400000;
   text-decoration: underline;
}