:root{
      /* Fortune-500 / institutional light theme */
      --bg:#f6f7fb;
      --surface:#ffffff;
      --surface2:#fbfcff;
      --text:#0b1220;
      --muted:#475569;
      --muted2:#64748b;
      --line:#e5e7eb;

      --navy:#0b1b3a;
      --navy2:#0a244d;
      --gold:#c79a2b;
      --gold2:#b7881f;
      --focus:#ffb703;

      --radius-xl:22px;
      --radius-lg:18px;
      --shadow: 0 18px 45px rgba(15,23,42,.10);

      --max:1200px;
      --pad:22px;

      /* readable for seniors without looking “big” */
      --base: 19px;
    }

    html{ font-size: var(--base); scroll-behavior:smooth; }
    body{
      margin:0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--text);
      background:
        radial-gradient(900px 600px at 85% -10%, rgba(199,154,43,.16), transparent 60%),
        radial-gradient(900px 600px at 15% 10%, rgba(11,27,58,.10), transparent 60%),
        linear-gradient(180deg, #f8f9ff 0%, var(--bg) 65%, var(--bg) 100%);
      line-height: 1.6;
    }
    a{ color: var(--navy2); text-decoration:none; }
    a:hover{ text-decoration:underline; }
    .wrap{ max-width: var(--max); margin:0 auto; padding: 0 var(--pad); }
    .sr-only{
      position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden;
      clip:rect(0,0,0,0); border:0;
    }
    .skip{
      position:absolute; left:-9999px; top:auto; width:1px; height:1px; overflow:hidden;
    }
    .skip:focus{
      left: 18px; top: 18px; width:auto; height:auto; padding: 10px 12px;
      background:#fff; color:#000; border:2px solid var(--focus); border-radius: 12px; z-index:999;
    }
    :focus{
      outline: 4px solid var(--focus);
      outline-offset: 2px;
      border-radius: 10px;
    }

    /* ===== Header ===== */
    header{
      position: sticky;
      top: 0;
      z-index: 80;
      background: rgba(255,255,255,.86);
      backdrop-filter: blur(10px);
      border-bottom: 1px solid var(--line);
    }
    .topbar{
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap: 16px;
      padding: 14px 0;
      flex-wrap:wrap;
    }
    .brand{
      display:flex;
      align-items:center;
      gap: 14px;
      min-width: 280px;
    }
    .mark{
      width: 42px; height: 42px;
      border-radius: 14px;
      background:
        radial-gradient(18px 18px at 30% 30%, rgba(255,255,255,.75), transparent 55%),
        linear-gradient(135deg, rgba(199,154,43,.98), rgba(199,154,43,.35));
      box-shadow: 0 10px 22px rgba(199,154,43,.18);
      border: 1px solid rgba(199,154,43,.55);
    }
    .brandTitle{
      display:flex;
      flex-direction:column;
      line-height:1.1;
    }
    .brandTitle strong{
      font-size: 1.02rem;
      letter-spacing: .2px;
      color: var(--navy);
    }
    .brandTitle span{
      font-size: .9rem;
      color: var(--muted2);
      margin-top: 4px;
      font-weight: 700;
    }
    nav{
      display:flex;
      gap: 10px;
      align-items:center;
      flex-wrap:wrap;
      justify-content:center;
    }
    nav a{
      font-weight: 900;
      font-size: .95rem;
      color: var(--muted);
      padding: 10px 12px;
      border-radius: 12px;
    }
    nav a:hover{
      background: rgba(11,27,58,.06);
      color: var(--navy);
      text-decoration:none;
    }
    .actions{
      display:flex;
      gap: 10px;
      flex-wrap:wrap;
      align-items:center;
      justify-content:flex-end;
    }
    .btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      gap: 10px;
      padding: 12px 16px;
      border-radius: 999px;
      border: 1px solid var(--line);
      background: #fff;
      color: var(--navy);
      font-weight: 900;
      font-size: .98rem;
      cursor:pointer;
      box-shadow: 0 8px 18px rgba(15,23,42,.06);
    }
    .btn:hover{ background: #f3f6ff; }
    .btn.gold{
      background: linear-gradient(135deg, var(--gold), rgba(199,154,43,.30));
      border-color: rgba(199,154,43,.55);
      color: #0b1220;
    }
    .btn.gold:hover{
      background: linear-gradient(135deg, var(--gold2), rgba(199,154,43,.22));
    }

    /* ===== Hero ===== */
    main{ padding: 30px 0 56px; }
    .hero{
      margin-top: 14px;
      border: 1px solid var(--line);
      border-radius: var(--radius-xl);
      background:
        radial-gradient(700px 480px at 14% 20%, rgba(199,154,43,.18), transparent 60%),
        radial-gradient(700px 480px at 92% 10%, rgba(11,27,58,.12), transparent 55%),
        linear-gradient(180deg, var(--surface) 0%, var(--surface2) 100%);
      box-shadow: var(--shadow);
      overflow:hidden;
    }
    .heroInner{
      display:grid;
      grid-template-columns: 1.25fr .75fr;
      gap: 18px;
      padding: 28px;
      align-items: start;
    }
    @media (max-width: 980px){
      .heroInner{ grid-template-columns: 1fr; }
      .brand{ min-width: unset; }
    }
    .kicker{
      display:inline-flex;
      align-items:center;
      gap: 10px;
      padding: 8px 12px;
      border-radius: 999px;
      border: 1px solid rgba(11,27,58,.14);
      background: rgba(11,27,58,.04);
      color: var(--muted);
      font-weight: 900;
      font-size: .92rem;
      letter-spacing: .25px;
    }
    h1{
      margin: 14px 0 10px;
      font-size: 2.15rem;
      line-height: 1.14;
      letter-spacing: -0.6px;
      color: var(--navy);
    }
    .lead{
      margin: 0 0 16px;
      font-size: 1.1rem;
      color: var(--muted);
      max-width: 65ch;
      font-weight: 700;
    }
    .heroCtas{ display:flex; gap: 10px; flex-wrap:wrap; margin-top: 6px; }
    .trustRow{
      margin-top: 18px;
      display:flex;
      gap: 12px;
      flex-wrap:wrap;
    }
    .pill{
      padding: 10px 12px;
      border-radius: 999px;
      border: 1px solid var(--line);
      background: #fff;
      color: var(--muted);
      font-weight: 900;
      font-size: .92rem;
      box-shadow: 0 6px 14px rgba(15,23,42,.05);
    }

    /* ===== Right Panel ===== */
    .panel{
      border: 1px solid var(--line);
      border-radius: var(--radius-xl);
      background: #fff;
      padding: 16px;
      box-shadow: 0 10px 26px rgba(15,23,42,.06);
    }
    .panel h2{
      font-size: 1.05rem;
      margin: 0 0 10px;
      letter-spacing: -.2px;
      color: var(--navy);
    }
    .metric{ display:grid; gap: 12px; }
    .metricItem{
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      padding: 12px;
      background: #fbfcff;
    }
    .metricItem strong{
      display:block;
      font-size: 1.02rem;
      margin-bottom: 6px;
      color: var(--navy);
    }
    .metricItem span{
      color: var(--muted2);
      font-size: .95rem;
      font-weight: 700;
    }

    /* ===== Sections ===== */
    section{ margin-top: 26px; }
    .sectionTitle{
      display:flex;
      align-items:flex-end;
      justify-content:space-between;
      gap: 14px;
      flex-wrap:wrap;
      margin-bottom: 12px;
    }
    .sectionTitle h2{
      margin:0;
      font-size: 1.55rem;
      letter-spacing: -0.4px;
      color: var(--navy);
    }
    .sectionTitle p{
      margin:0;
      color: var(--muted2);
      font-weight: 800;
      font-size: .98rem;
    }
    .grid3{
      display:grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
    }
    @media (max-width: 980px){
      .grid3{ grid-template-columns: 1fr; }
    }
    .card{
      border: 1px solid var(--line);
      border-radius: var(--radius-xl);
      background: #fff;
      padding: 16px;
      box-shadow: 0 10px 26px rgba(15,23,42,.06);
    }
    .card h3{
      margin: 0 0 8px;
      font-size: 1.05rem;
      letter-spacing: -.2px;
      color: var(--navy);
    }
    .card p{
      margin:0;
      color: var(--muted);
      font-size: 1.0rem;
      font-weight: 700;
    }
    .list{
      margin: 10px 0 0;
      padding-left: 22px;
      color: var(--muted2);
      font-weight: 800;
    }
    .divider{ height:1px; background: var(--line); margin: 26px 0; }

    /* ===== Two columns ===== */
    .twoCol{
      display:grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px;
      align-items:stretch;
    }
    @media (max-width: 980px){
      .twoCol{ grid-template-columns: 1fr; }
    }
    .callout{
      border: 1px solid rgba(199,154,43,.40);
      background: rgba(199,154,43,.10);
      border-radius: var(--radius-xl);
      padding: 16px;
    }
    .callout h3{ margin:0 0 8px; color: var(--navy); }
    .callout p{ margin:0; color: var(--muted); font-weight: 800; }

    /* ===== FAQ ===== */
    details{
      border: 1px solid var(--line);
      border-radius: var(--radius-xl);
      background: #fff;
      padding: 14px 16px;
      margin-bottom: 12px;
      box-shadow: 0 10px 26px rgba(15,23,42,.06);
    }
    summary{
      cursor:pointer;
      font-weight: 900;
      font-size: 1.05rem;
      color: var(--navy);
    }
    details p{
      margin: 10px 0 0;
      color: var(--muted);
      font-weight: 700;
    }

    /* ===== Contact ===== */
    form{ display:grid; gap: 12px; }
    label{ font-weight: 900; color: var(--navy); }
    input, textarea, select{
      width:100%;
      padding: 12px 12px;
      border-radius: 14px;
      border: 1px solid var(--line);
      background: #fff;
      color: var(--text);
      font-size: 1rem;
      box-shadow: 0 6px 16px rgba(15,23,42,.05);
    }
    textarea{ min-height: 140px; resize: vertical; }
    .hint{
      color: var(--muted2);
      font-weight: 800;
      font-size: .95rem;
      margin: 0;
    }

    /* ===== Footer ===== */
    footer{
      margin-top: 34px;
      border-top: 1px solid var(--line);
      padding: 22px 0;
      color: var(--muted2);
      background: rgba(255,255,255,.70);
    }
    .footGrid{
      display:grid;
      grid-template-columns: 1.2fr .8fr;
      gap: 16px;
      align-items:start;
    }
    @media (max-width: 980px){
      .footGrid{ grid-template-columns: 1fr; }
    }
    .legal{
      font-size: .92rem;
      color: var(--muted2);
      font-weight: 700;
      line-height: 1.55;
      margin: 0;
    }
    .tag{
      display:inline-flex;
      align-items:center;
      gap: 10px;
      padding: 10px 12px;
      border-radius: 999px;
      border: 1px solid var(--line);
      background: #fff;
      color: var(--muted);
      font-weight: 900;
      font-size: .92rem;
      box-shadow: 0 6px 14px rgba(15,23,42,.05);
    }
  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;
}
#wb_Image1
{
   vertical-align: top;
}
#Image1
{
   border: 0px solid #000000;
   border-radius: 0px;
   box-sizing: border-box;
   padding: 0;
   margin: 0;
   left: 0;
   top: 0;
   width: 100%;
   height: 100%;
}
#wb_Text1 
{
   background-color: transparent;
   background-image: none;
   border: 0px solid #000000;
   border-radius: 0px;
   padding: 0;
   margin: 0;
   text-align: left;
}
#wb_Text1
{
   color: #000000;
   font-family: Arial;
   font-weight: 400;
   font-size: 13px;
   line-height: 16px;
}
#wb_Text1 p, #wb_Text1 ul
{
   margin: 0;
   padding: 0;
}
#wb_Image2
{
   vertical-align: top;
}
#Image2
{
   border: 0px solid #000000;
   border-radius: 0px;
   box-sizing: border-box;
   padding: 0;
   margin: 0;
   left: 0;
   top: 0;
   width: 100%;
   height: 100%;
}
#wb_Image3
{
   vertical-align: top;
}
#Image3
{
   border: 0px solid #000000;
   border-radius: 0px;
   box-sizing: border-box;
   padding: 0;
   margin: 0;
   left: 0;
   top: 0;
   width: 100%;
   height: 100%;
}