*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:#1a2233;line-height:1.65;background:#fff}
h1,h2,h3{font-family:'Georgia','Times New Roman',serif;color:#13294b;font-weight:700;line-height:1.2}
a{color:#b8893b;text-decoration:none}
.wrap{max-width:840px;margin:0 auto;padding:0 22px}
.btn{display:inline-block;background:#b8893b;color:#fff;font-weight:700;padding:13px 26px;border-radius:7px;transition:filter .15s}
.btn:hover{filter:brightness(1.08)}.btn-navy{background:#13294b}
header{background:#13294b;color:#fff}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 22px;max-width:1080px;margin:0 auto}
.logo{font-family:'Georgia',serif;color:#fff;font-weight:700;font-size:1.25rem}.logo b{color:#cda35a}
.crumb{background:#f5f7fa;font-size:.85rem;padding:11px 0;border-bottom:1px solid #e2e7ee}.crumb a{color:#5a6675}
.hero{background:linear-gradient(120deg,#13294b,#1d3a63);color:#fff;padding:50px 0}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.5vw,2.7rem);margin-bottom:.3em}
.hero p{color:#d3deec;font-size:1.12rem;max-width:54ch;margin-bottom:20px}
section{padding:42px 0}
.capsule{background:#fff;border:1px solid #e2e7ee;border-left:5px solid #b8893b;border-radius:12px;padding:22px 24px;box-shadow:0 8px 26px rgba(19,41,75,.06)}
.capsule h2{font-size:1.3rem;margin-bottom:.3em}.capsule p{color:#33404f;font-size:1.05rem}
h2{font-size:1.55rem;margin-bottom:.5em}
.body p{color:#33404f;margin-bottom:14px;font-size:1.04rem}
ul.feat{list-style:none;margin:12px 0}
ul.feat li{padding:7px 0 7px 28px;position:relative;color:#33404f}
ul.feat li::before{content:"✓";position:absolute;left:0;color:#b8893b;font-weight:800}
.tools{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}
@media(max-width:640px){.tools{grid-template-columns:1fr}}
.tool{background:#f5f7fa;border:1px solid #e2e7ee;border-radius:12px;padding:20px}
.tool h3{font-size:1.1rem;margin-bottom:6px}.tool p{font-size:.92rem;color:#5a6675;margin-bottom:12px}
.disclaimer{background:#fff8ec;border:1px solid #e8d6a8;border-radius:8px;padding:12px 16px;font-size:.85rem;color:#7a5e23;margin:18px 0}
.faq details{background:#fff;border:1px solid #e2e7ee;border-radius:10px;padding:2px 18px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;color:#13294b;padding:14px 0;list-style:none}.faq summary::-webkit-details-marker{display:none}
.faq p{padding:0 0 14px;color:#33404f}
.cta-band{background:linear-gradient(120deg,#b8893b,#cda35a);text-align:center;padding:42px 0}
.cta-band h2{color:#3a2a09}.cta-band .btn{background:#13294b;color:#fff;margin:6px}
footer{background:#0d1c33;color:#9fb1c8;padding:30px 0;font-size:.85rem;text-align:center}footer a{color:#cdd9e8;margin:0 6px}