:root{
  --navy:#102944; --gold:#c79c47; --ink:#1f2937; --muted:#697586;
  --line:#e7e7e3; --soft:#f7f7f4; --cream:#f3f0e9; --white:#fff; --max:1240px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:inherit}.container{width:min(calc(100% - 40px),var(--max));margin:0 auto}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;gap:28px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand-mark{width:52px;height:40px;display:flex;align-items:center;justify-content:center;gap:3px}
.brand-mark span{width:3px;background:var(--gold);border-radius:99px}
.brand-mark span:nth-child(1),.brand-mark span:nth-child(7){height:12px}
.brand-mark span:nth-child(2),.brand-mark span:nth-child(6){height:20px}
.brand-mark span:nth-child(3),.brand-mark span:nth-child(5){height:30px}.brand-mark span:nth-child(4){height:40px}
.brand-copy strong{display:block;color:var(--navy);font-size:1.15rem;letter-spacing:.02em}
.brand-copy small{display:block;margin-top:2px;font-size:.7rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
nav{margin-left:auto;display:flex;align-items:center;gap:26px} nav a{text-decoration:none;font-size:.93rem}
.contact-top{margin-left:8px;text-decoration:none;background:var(--navy);color:#fff;padding:11px 17px;border-radius:999px;font-weight:700;white-space:nowrap}
.hero{background:linear-gradient(180deg,#fff 0%,#faf9f6 100%);border-bottom:1px solid var(--line)}
.hero-inner{padding:78px 0 74px}.eyebrow{display:flex;align-items:center;gap:14px;margin-bottom:22px;font-size:.78rem;letter-spacing:.17em;text-transform:uppercase;color:#334155}
.eyebrow:before{content:"";width:52px;height:2px;background:var(--gold)}
h1{margin:0;max-width:940px;color:#141b27;font-size:clamp(3rem,6vw,6rem);line-height:.98;letter-spacing:-.05em;font-weight:400}
.lede{max-width:790px;margin:24px 0 0;font-size:1.2rem;color:#435064}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;text-decoration:none;border:1px solid var(--navy);border-radius:999px;padding:12px 19px;font-weight:700;color:var(--navy)}
.btn.primary{background:var(--navy);color:#fff}
.ask-box{margin-top:32px;width:min(760px,100%);background:#fff;border:1px solid #ddd;box-shadow:0 14px 38px rgba(15,39,67,.07);padding:9px;display:grid;grid-template-columns:1fr auto;gap:9px;border-radius:6px}
.ask-box input{border:0;outline:none;padding:14px 15px;font:inherit;min-width:0}.ask-box button{border:0;background:var(--navy);color:#fff;padding:13px 20px;border-radius:4px;font:inherit;font-weight:700;cursor:pointer}
section{padding:66px 0}.soft{background:var(--soft);border-top:1px solid #efefec;border-bottom:1px solid #efefec}.cream{background:var(--cream)}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:30px}
.section-head h2{margin:0;font-size:clamp(2.2rem,4vw,3.8rem);line-height:1;letter-spacing:-.04em;font-weight:400;color:#1d2632}
.section-head p{margin:0;max-width:520px;color:var(--muted)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:70px}.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--line);background:#fff;padding:25px;min-height:190px}.card small{color:var(--gold);text-transform:uppercase;letter-spacing:.11em;font-size:.73rem}
.card h3{margin:10px 0 8px;font-size:1.55rem;font-weight:400;color:#1d2c3e;letter-spacing:-.02em}.card p{margin:0;color:#687486}.card a{display:inline-block;margin-top:16px;color:var(--navy);font-weight:700;text-decoration:none}
.article{padding:58px 0 76px}.article-grid{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:90px;align-items:start}
.article h2{font-size:2rem;font-weight:400;letter-spacing:-.025em;color:#1b2737;margin:40px 0 12px}.article h3{font-size:1.25rem;color:#21334b;margin:26px 0 8px}
.article p,.article li{color:#4e5c6c}.article ul,.article ol{padding-left:22px}
.answer{border-left:3px solid var(--gold);padding:4px 0 4px 20px;margin:10px 0 30px;font-size:1.1rem;color:#344256}
.side-card{position:sticky;top:105px;border:1px solid var(--line);padding:22px;background:#fff}.side-card strong{display:block;color:var(--navy);margin-bottom:8px}.side-card a{display:block;margin-top:8px;text-decoration:none;color:var(--navy);font-weight:700}
.note{background:#f8f6f0;border:1px solid #e9e1d4;padding:20px;margin:24px 0}.price-box{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 0;margin:24px 0}.price-box strong{font-size:1.25rem;color:var(--navy)}
.question-list{border-top:1px solid var(--line)}.question-link{display:grid;grid-template-columns:42px 1fr auto;gap:16px;align-items:center;text-decoration:none;padding:18px 0;border-bottom:1px solid var(--line)}
.question-number{color:var(--gold);font-size:.82rem;font-weight:700}.question-link strong{color:var(--navy);font-size:1.03rem}.arrow{color:#748297;font-size:1.2rem}
.breadcrumb{font-size:.85rem;color:#7b8795;margin-bottom:22px}.breadcrumb a{text-decoration:none}.author{margin-top:26px;padding-top:20px;border-top:1px solid var(--line);color:#667488}.author strong{color:#24354c}
footer{background:var(--navy);color:#fff;padding:44px 0 27px}.footer-main{display:grid;grid-template-columns:1.15fr 1fr .75fr;gap:54px;padding-bottom:30px}
.footer-brand strong{display:block;font-size:1.05rem}.footer-brand span{display:block;margin-top:8px;color:#c7d2de;font-size:.9rem;line-height:1.6}
.footer-links,.footer-contact{display:flex;flex-direction:column;gap:8px}.footer-links a,.footer-contact a{color:#fff;text-decoration:none;font-size:.93rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);padding-top:18px}.footer-legal{display:flex;flex-wrap:wrap;gap:14px 22px;color:#c7d2de;font-size:.82rem}.footer-legal a{color:#c7d2de;text-decoration:none}
.footer-disclaimer{margin-top:13px;max-width:860px;color:#9eafc1;font-size:.77rem}.sitemap-list{columns:2;column-gap:60px}.sitemap-list a{display:block;margin:0 0 11px;text-decoration:none;color:var(--navy)}
.legal h2{font-size:1.65rem;margin-top:34px}.placeholder{font-weight:700;color:#8c5b00}
@media(max-width:980px){nav{display:none}.article-grid,.two-col{grid-template-columns:1fr}.three-col{grid-template-columns:1fr 1fr}.side-card{position:static}}
@media(max-width:680px){.container{width:min(calc(100% - 24px),var(--max))}.brand-copy small,.contact-top{display:none}.hero-inner{padding:54px 0}h1{font-size:3.2rem}.lede{font-size:1.05rem}.ask-box{grid-template-columns:1fr}.ask-box button{width:100%}.section-head{align-items:start;flex-direction:column}.three-col{grid-template-columns:1fr}.footer-main{grid-template-columns:1fr;gap:24px}.sitemap-list{columns:1}}


/* LIVE CHAT */
.nst-chat-fab{position:fixed;right:22px;bottom:22px;z-index:110;border:0;border-radius:999px;background:var(--navy);color:#fff;padding:14px 19px;font:inherit;font-weight:700;box-shadow:0 14px 34px rgba(15,39,67,.22);cursor:pointer}
.nst-chat-backdrop{position:fixed;inset:0;z-index:115;background:rgba(8,18,31,.42);backdrop-filter:blur(2px)}
.nst-chat-panel{position:fixed;z-index:120;right:22px;bottom:22px;width:min(520px,calc(100% - 28px));height:min(720px,calc(100vh - 44px));background:#fff;border:1px solid var(--line);box-shadow:0 26px 70px rgba(8,24,42,.28);display:flex;flex-direction:column;border-radius:18px;overflow:hidden}
.nst-chat-panel[hidden],.nst-chat-backdrop[hidden]{display:none}
.nst-chat-head{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:17px 19px;background:var(--navy);color:#fff}
.nst-chat-head strong{display:block;font-size:1rem}.nst-chat-head span{display:block;margin-top:2px;color:#c9d5e1;font-size:.76rem}
.nst-chat-close{border:0;background:transparent;color:#fff;font-size:1.8rem;line-height:1;cursor:pointer;padding:3px 7px}
.nst-chat-messages{flex:1;overflow:auto;padding:18px;display:flex;flex-direction:column;gap:13px;background:#fbfbfa;scroll-behavior:smooth}
.nst-msg{max-width:88%;padding:13px 15px;border-radius:15px;white-space:pre-wrap;line-height:1.5;font-size:.94rem}
.nst-assistant{align-self:flex-start;background:#fff;border:1px solid #e4e7ea;border-bottom-left-radius:5px}
.nst-user{align-self:flex-end;background:var(--navy);color:#fff;border-bottom-right-radius:5px}
.nst-typing{display:flex;gap:5px;align-items:center}.nst-typing span{width:7px;height:7px;background:#96a2ae;border-radius:50%;animation:nstbounce 1.1s infinite}.nst-typing span:nth-child(2){animation-delay:.16s}.nst-typing span:nth-child(3){animation-delay:.32s}
@keyframes nstbounce{0%,60%,100%{transform:translateY(0)}30%{transform:translateY(-5px)}}
.nst-chat-composer{display:grid;grid-template-columns:1fr auto;gap:9px;padding:12px;border-top:1px solid var(--line);background:#fff}
.nst-chat-composer textarea{border:1px solid #ccd5df;border-radius:11px;padding:11px 12px;font:inherit;resize:none;outline:none;min-height:46px;max-height:140px}
.nst-chat-composer button{border:0;border-radius:10px;background:var(--navy);color:#fff;padding:0 17px;font:inherit;font-weight:700;cursor:pointer}
.nst-chat-fine{padding:0 14px 11px;background:#fff;color:#7a8795;font-size:.69rem}
.nst-handoff{align-self:flex-start;max-width:92%;padding:14px;border:1px solid #d8e0e8;background:#fff;border-radius:15px}.nst-handoff p{margin:0 0 10px;font-size:.88rem}.nst-choices{display:flex;gap:8px}.nst-choice{border:0;border-radius:9px;padding:9px 15px;font-weight:700;cursor:pointer}.nst-yes{background:var(--navy);color:#fff}.nst-no{background:#e9edf1;color:#263648}
.nst-contact-card{align-self:flex-start;width:min(100%,440px);padding:15px;background:#fff;border:1px solid #dfe5ea;border-radius:15px;box-shadow:0 8px 24px rgba(15,39,67,.06)}
.nst-contact-top{display:flex;gap:12px;align-items:center}.nst-contact-photo{width:68px;height:68px;object-fit:cover;border-radius:12px;background:#eef1f4}.nst-contact-card h3{margin:0 0 3px}.nst-contact-meta,.nst-contact-details{font-size:.78rem;color:#657486}.nst-contact-copy{margin-top:10px;color:#455466;font-size:.86rem}.nst-contact-actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}.nst-contact-actions a{text-decoration:none;background:var(--navy);color:#fff;border-radius:9px;padding:9px 14px;font-weight:700;font-size:.84rem}
body.nst-chat-open{overflow:hidden}
@media(max-width:680px){.nst-chat-fab{right:12px;bottom:12px}.nst-chat-panel{inset:10px;width:auto;height:auto;border-radius:14px}.nst-chat-backdrop{background:rgba(8,18,31,.5)}}