:root{--navy:#1C2B3A;--saf:#F5820A;--teal:#0E7C6E;--cream:#FFFDF9}
*{box-sizing:border-box}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:#22303d;background:var(--cream)}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}
.top{background:var(--navy);position:sticky;top:0;z-index:5}
.bar{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.brand{color:#fff;font-weight:700;letter-spacing:.08em;text-decoration:none}
nav a{color:#dbe5ee;text-decoration:none;margin-left:16px;font-size:15px}
nav a:hover{color:var(--saf)}
.hero{background:var(--navy);color:#fff;padding:64px 0 72px}
.kicker{color:var(--saf);text-transform:uppercase;letter-spacing:.14em;font-size:13px;margin:0 0 12px}
h1{font:400 clamp(28px,5vw,44px)/1.2 Georgia,"Times New Roman",serif;margin:0 0 18px}
.lead{font-size:19px;max-width:680px;color:#dbe5ee}
.btn{display:inline-block;background:var(--saf);color:#1C2B3A;font-weight:700;text-decoration:none;padding:12px 22px;border-radius:8px;margin-top:10px}
.btn:hover{filter:brightness(1.08)}
section{padding:56px 0}
.alt{background:#f3efe7}
h2{font:400 clamp(24px,4vw,32px)/1.25 Georgia,serif;color:var(--navy);margin:0 0 20px}
h3{margin:0 0 6px;color:var(--teal);font-size:18px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
article{background:#fff;border:1px solid #e6e0d3;border-radius:10px;padding:20px}
article p{margin:0}
a{color:var(--teal)}
footer{background:var(--navy);color:#c5d1dc;padding:28px 0;font-size:15px}
footer p{margin:4px 0}.small{font-size:13px;opacity:.85}