*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0f1f38;--navy-light:#162847;--gold:#b89c6a;--gold-light:#d4b98a;--cream:#f7f4ef;--white:#fff;--text:#141425;--muted:#5a5a6e;--border:rgba(15,31,56,.1);--border-gold:rgba(184,156,106,.28);--shadow:0 12px 34px rgba(15,31,56,.09);--radius:12px;--max:1160px}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--text);line-height:1.72;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{color:var(--navy)}
.skip-link{position:absolute;left:-9999px;top:0}.skip-link:focus{left:1rem;top:1rem;z-index:200;background:var(--white);padding:.75rem 1rem;border-radius:6px}
.site-nav{position:fixed;inset:0 0 auto;z-index:100;display:flex;align-items:center;justify-content:space-between;padding:.75rem 4rem;background:var(--navy);border-bottom:1px solid var(--border-gold)}
.nlogo{display:flex;align-items:center}.nlogo-img{width:170px;height:auto}.nlinks{display:flex;gap:1.5rem;list-style:none}.nlinks a{font-size:.76rem;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.72);text-decoration:none}.nlinks a:hover,.nlinks a[aria-current="page"]{color:var(--gold-light)}
.nav-right{display:flex;align-items:center;gap:1rem}.nav-phone{font-size:.8rem;color:var(--gold-light);text-decoration:none}.ncta{font-size:.74rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:.55rem 1rem;border:1px solid var(--gold);border-radius:8px;color:var(--gold-light);text-decoration:none}.ncta:hover{background:var(--gold);color:var(--navy)}
.mobile-menu-btn{display:none;background:none;border:0;padding:.5rem}.mobile-menu-btn span{display:block;width:21px;height:2px;background:var(--gold-light);margin:4px}
.hero{padding:8rem 4rem 4.25rem;background:linear-gradient(135deg,var(--navy),var(--navy-light));color:var(--white);border-bottom:1px solid var(--border-gold)}
.hero-inner,.page-inner{width:min(100%,var(--max));margin:0 auto}.eyebrow{display:flex;align-items:center;gap:.65rem;margin-bottom:1rem;color:var(--gold-light);font-size:.7rem;letter-spacing:.2em;text-transform:uppercase}.eyebrow::before{content:'';width:28px;height:1px;background:var(--gold)}
h1,h2,h3{font-family:'Cormorant Garamond',Georgia,serif;color:var(--navy);font-weight:500;line-height:1.18}.hero h1{max-width:900px;color:var(--white);font-size:clamp(2.5rem,5vw,4.2rem);font-weight:400}.hero-sub{max-width:820px;margin-top:1rem;color:rgba(255,255,255,.76);font-size:1rem}.breadcrumb{margin-top:1.25rem;color:rgba(255,255,255,.55);font-size:.76rem}.breadcrumb a{color:rgba(255,255,255,.72);text-decoration:none}.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.6rem}.button{display:inline-flex;align-items:center;justify-content:center;padding:.82rem 1.2rem;border:1px solid var(--gold);border-radius:8px;background:var(--gold);color:var(--navy);font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-decoration:none}.button.secondary{background:transparent;color:var(--gold-light)}
.page-section{padding:4rem}.page-section.white{background:var(--white)}.section-heading{max-width:760px;margin-bottom:1.75rem}.section-heading h2{font-size:clamp(2rem,3vw,2.8rem)}.section-heading p{margin-top:.65rem;color:var(--muted)}
.resource-group{margin-top:2.5rem}.resource-group:first-of-type{margin-top:0}.resource-group h2{font-size:2rem;margin-bottom:1rem;padding-bottom:.6rem;border-bottom:1px solid var(--border-gold)}
.resource-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.resource-card{display:flex;flex-direction:column;min-width:0;padding:1.45rem;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 3px 16px rgba(15,31,56,.05);text-decoration:none;transition:transform .2s,border-color .2s,box-shadow .2s}.resource-card:hover{transform:translateY(-3px);border-color:var(--border-gold);box-shadow:var(--shadow)}.resource-card .tag{color:var(--gold);font-size:.64rem;letter-spacing:.12em;text-transform:uppercase}.resource-card h3{margin:.45rem 0;font-size:1.42rem}.resource-card p{flex:1;color:var(--muted);font-size:.88rem}.resource-card .card-link{margin-top:1rem;color:var(--gold);font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.article{max-width:820px;margin:0 auto;padding:4rem 2rem;background:var(--white)}.article h2{margin:3.2rem 0 1rem;font-size:2.25rem}.article h3{margin:2rem 0 .65rem;font-size:1.55rem}.article p,.article ul,.article ol{margin-bottom:1.1rem}.article ul,.article ol{padding-left:1.3rem}.article li{margin-bottom:.55rem}.article a{color:#7f6435}.quick-box,.callout,.faq-item{padding:1.35rem 1.5rem;border:1px solid var(--border-gold);border-radius:var(--radius);background:var(--cream);margin:1.5rem 0}.quick-box h2{margin:0 0 .6rem;font-size:1.6rem}.callout strong{color:var(--navy)}.toc{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem;margin:1.5rem 0}.toc a{padding:.85rem 1rem;background:var(--cream);border:1px solid var(--border);border-radius:8px;text-decoration:none;font-size:.88rem}.faq-item h3{margin:0 0 .45rem;font-size:1.35rem}.faq-item p{margin:0}.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.85rem}.related-grid a{padding:1rem;border:1px solid var(--border);border-radius:8px;background:var(--cream);text-decoration:none;font-weight:600}
.contact-band{padding:3rem 4rem;text-align:center;background:var(--navy);color:rgba(255,255,255,.72)}.contact-band h2{color:var(--gold-light);font-size:2rem}.contact-band p{max-width:700px;margin:.65rem auto 1.2rem}.contact-band .button{margin:.25rem}
.site-footer{display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap;padding:2rem 4rem;background:#0a172a;color:rgba(255,255,255,.55);font-size:.76rem}.footer-logo{width:160px;height:auto}.footer-links{display:flex;gap:1rem;flex-wrap:wrap}.footer-links a{color:rgba(255,255,255,.68);text-decoration:none}
@media(max-width:980px){.site-nav{padding:.75rem 1.5rem}.nlinks{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;gap:0;padding:.75rem 1.5rem;background:var(--navy)}.nlinks.mobile-open{display:flex}.nlinks li{padding:.65rem 0;border-bottom:1px solid rgba(255,255,255,.08)}.nav-right{display:none}.mobile-menu-btn{display:block}.hero,.page-section{padding-left:1.5rem;padding-right:1.5rem}.resource-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.nlogo-img{width:132px}.hero{padding-top:6.4rem;padding-bottom:3rem}.hero h1{font-size:2.45rem}.page-section{padding-top:3rem;padding-bottom:3rem}.resource-grid,.related-grid,.toc{grid-template-columns:1fr}.resource-card{padding:1.25rem}.article{padding:3rem 1.25rem}.article h2{font-size:1.9rem}.contact-band{padding:2.5rem 1.25rem}.site-footer{padding:2rem 1.25rem;align-items:flex-start;flex-direction:column}.button{width:100%}}