:root{
      --navy:#0B1828;
      --navy2:#10233a;
      --gold:#C5A059;
      --gold2:#E3C184;
      --blue:#2563eb;
      --bg:#F4F7FB;         /* lighter for older readers */
      --card:#ffffff;
      --text:#0B1828;
      --muted:#56657a;
      --border:rgba(11,24,40,.12);
      --shadow:0 14px 40px rgba(11,24,40,.10);
      --radius:18px;
      --focus:0 0 0 4px rgba(37, 99, 235, .18);
    }

    *{box-sizing:border-box}
    body{
      margin:0;
      font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
      color:var(--text);
      background:linear-gradient(180deg,#ffffff 0%, var(--bg) 35%, #ffffff 100%);
      line-height:1.6;
    }

    /* Top Bar */
    .topbar{
      position:sticky; top:0; z-index:50;
      background:rgba(11,24,40,.94);
      backdrop-filter:saturate(140%) blur(10px);
      border-bottom:1px solid rgba(255,255,255,.08);
    }
    .topbar-inner{
      max-width:1200px;
      margin:0 auto;
      padding:14px 18px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:16px;
    }
    .brand{
      display:flex; align-items:center; gap:12px;
      min-width:240px;
    }
    .brand img{
      width:44px; height:44px; border-radius:10px;
      object-fit:contain; background:rgba(255,255,255,.06);
      border:1px solid rgba(255,255,255,.14);
      padding:6px;
    }
    .brand .name{
      display:flex; flex-direction:column; line-height:1.1;
    }
    .brand .name strong{color:#fff; font-size:15px; letter-spacing:.2px}
    .brand .name span{color:rgba(255,255,255,.72); font-size:12px}

    nav a{
      color:rgba(255,255,255,.86);
      text-decoration:none;
      font-weight:600;
      font-size:13px;
      padding:10px 12px;
      border-radius:10px;
      transition:.2s ease;
      white-space:nowrap;
    }
    nav a:hover{background:rgba(255,255,255,.08)}
    nav a.active{background:rgba(197,160,89,.18); color:#fff; border:1px solid rgba(197,160,89,.35)}

    .cta{
      display:flex; align-items:center; gap:10px;
    }
    .pill{
      display:inline-flex; align-items:center; gap:8px;
      padding:10px 12px;
      border-radius:999px;
      background:rgba(255,255,255,.08);
      border:1px solid rgba(255,255,255,.14);
      color:#fff;
      font-weight:800;
      font-size:12px;
      text-decoration:none;
      transition:.2s ease;
      white-space:nowrap;
    }
    .pill:hover{background:rgba(255,255,255,.12)}
    .pill.gold{
      background:linear-gradient(180deg, rgba(197,160,89,.92), rgba(227,193,132,.92));
      color:#0B1828;
      border:1px solid rgba(255,255,255,.2);
    }

    /* Layout */
    .wrap{
      max-width:1200px;
      margin:0 auto;
      padding:34px 18px 72px;
    }

    .hero{
      background:linear-gradient(180deg, rgba(11,24,40,.08), rgba(11,24,40,.02));
      border:1px solid var(--border);
      border-radius:var(--radius);
      padding:28px;
      box-shadow:0 10px 26px rgba(11,24,40,.08);
      display:grid;
      grid-template-columns: 1.2fr .8fr;
      gap:18px;
      overflow:hidden;
    }

    .kicker{
      display:inline-flex;
      align-items:center;
      gap:10px;
      background:rgba(37,99,235,.10);
      border:1px solid rgba(37,99,235,.20);
      color:var(--navy);
      font-weight:900;
      font-size:12px;
      letter-spacing:.12em;
      text-transform:uppercase;
      padding:8px 12px;
      border-radius:999px;
    }

    h1{
      margin:14px 0 10px;
      font-size:40px;
      letter-spacing:-.02em;
      line-height:1.12;
      color:var(--navy);
    }

    .lead{
      margin:0 0 14px;
      color:var(--muted);
      font-size:16px;
      max-width:70ch;
    }

    .hero-card{
      background:#fff;
      border:1px solid var(--border);
      border-radius:16px;
      padding:18px;
      box-shadow:0 12px 26px rgba(11,24,40,.08);
      height:fit-content;
    }
    .hero-card h3{
      margin:0 0 10px;
      font-size:16px;
      color:var(--navy);
      letter-spacing:-.01em;
    }
    .hero-card p{margin:0; color:var(--muted); font-size:13.5px}
    .hero-card a{color:var(--blue); font-weight:800; text-decoration:none}
    .hero-card a:hover{text-decoration:underline}

    /* Search / Quick links */
    .tools{
      margin-top:18px;
      display:grid;
      grid-template-columns: 1fr;
      gap:12px;
    }
    .search{
      background:#fff;
      border:1px solid var(--border);
      border-radius:16px;
      padding:14px;
      display:flex;
      gap:12px;
      align-items:center;
      box-shadow:0 10px 22px rgba(11,24,40,.06);
    }
    .search input{
      width:100%;
      border:1px solid var(--border);
      border-radius:12px;
      padding:14px 14px;
      font-size:15px;
      font-weight:600;
      color:var(--navy);
    }
    .search input:focus{outline:none; box-shadow:var(--focus); border-color:rgba(37,99,235,.35)}
    .chips{
      display:flex;
      gap:10px;
      flex-wrap:wrap;
    }
    .chip{
      background:#fff;
      border:1px solid var(--border);
      border-radius:999px;
      padding:10px 12px;
      font-weight:800;
      font-size:12.5px;
      color:var(--navy);
      text-decoration:none;
      box-shadow:0 10px 22px rgba(11,24,40,.05);
      transition:.2s ease;
    }
    .chip:hover{transform:translateY(-1px); border-color:rgba(37,99,235,.30)}

    /* FAQ blocks */
    .faq-grid{
      margin-top:18px;
      display:grid;
      grid-template-columns: 1fr 1fr;
      gap:18px;
      align-items:start;
    }
    .section{
      background:var(--card);
      border:1px solid var(--border);
      border-radius:var(--radius);
      padding:18px;
      box-shadow:0 10px 22px rgba(11,24,40,.06);
    }
    .section-header{
      display:flex;
      align-items:flex-start;
      justify-content:space-between;
      gap:10px;
      padding-bottom:12px;
      border-bottom:1px solid var(--border);
      margin-bottom:14px;
    }
    .section h2{
      margin:0;
      font-size:18px;
      letter-spacing:-.01em;
      color:var(--navy);
    }
    .section .sub{
      margin:6px 0 0;
      color:var(--muted);
      font-size:13.5px;
      font-weight:600;
    }

    details{
      border:1px solid var(--border);
      border-radius:14px;
      padding:12px 14px;
      background:linear-gradient(180deg, #fff, rgba(244,247,251,.7));
      margin:10px 0;
    }
    details[open]{box-shadow:0 10px 24px rgba(11,24,40,.08)}
    summary{
      cursor:pointer;
      font-weight:900;
      color:var(--navy);
      font-size:14.5px;
      list-style:none;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:10px;
    }
    summary::-webkit-details-marker{display:none}
    summary .q{flex:1}
    summary .icon{
      width:28px; height:28px;
      display:inline-flex; align-items:center; justify-content:center;
      border-radius:10px;
      background:rgba(37,99,235,.10);
      border:1px solid rgba(37,99,235,.18);
      color:var(--navy);
      font-weight:900;
      flex:0 0 auto;
    }
    details p{
      margin:10px 0 0;
      color:var(--muted);
      font-size:13.8px;
      font-weight:600;
    }
    details ul{
      margin:10px 0 0;
      padding-left:18px;
      color:var(--muted);
      font-size:13.8px;
      font-weight:600;
    }
    details li{margin:8px 0}

    .notice{
      margin-top:18px;
      background:linear-gradient(180deg, rgba(197,160,89,.14), rgba(227,193,132,.12));
      border:1px solid rgba(197,160,89,.30);
      border-radius:var(--radius);
      padding:18px;
      color:var(--navy);
      box-shadow:0 10px 22px rgba(11,24,40,.05);
    }
    .notice strong{display:block; margin-bottom:6px}

    footer{
      margin-top:22px;
      border-top:1px solid var(--border);
      padding:22px 0 0;
      color:var(--muted);
      font-size:12.5px;
    }
    .footer-grid{
      display:grid;
      grid-template-columns: 1.2fr .8fr;
      gap:18px;
      align-items:start;
    }
    .footer-grid a{color:var(--blue); text-decoration:none; font-weight:800}
    .footer-grid a:hover{text-decoration:underline}

    .to-top{
      position:fixed;
      right:18px;
      bottom:18px;
      z-index:60;
    }
    .to-top button{
      background:rgba(11,24,40,.94);
      color:#fff;
      border:1px solid rgba(255,255,255,.14);
      border-radius:14px;
      padding:12px 14px;
      font-weight:900;
      cursor:pointer;
      box-shadow:0 12px 26px rgba(11,24,40,.18);
      transition:.2s ease;
    }
    .to-top button:hover{transform:translateY(-1px)}
    .to-top button:focus{outline:none; box-shadow:var(--focus)}

    @media (max-width: 980px){
      .hero{grid-template-columns:1fr}
      .faq-grid{grid-template-columns:1fr}
      nav{display:none}
      .brand{min-width:auto}
      h1{font-size:34px}
      .footer-grid{grid-template-columns:1fr}
    }
  div#container
{
   width: 1004px;
   position: relative;
   margin: 0 auto 0 auto;
   text-align: left;
}
body
{
   background-color: #FFFFFF;
   color: #400000;
   font-family: Garamond;
   font-weight: normal;
   font-size: 13px;
   line-height: 1.1875;
   margin: 0;
   text-align: center;
}
a
{
   color: #400000;
   text-decoration: underline;
}
a:hover
{
   color: #400000;
   text-decoration: underline;
}