:root {
  --navy:#071a2f;--navy2:#0d2d4d;--blue:#1c5f91;--ink:#172231;--muted:#607083;
  --line:#d8e1e8;--soft:#f4f7fa;--white:#fff;--risk:#fff7e8;--risk-border:#ddb04e;--max:1160px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(var(--max),calc(100% - 40px));margin:0 auto}
.topbar{background:var(--navy);color:#dbe7f2;font-size:.88rem;padding:9px 0}.topbar .container{display:flex;justify-content:space-between;gap:18px;align-items:center;flex-wrap:wrap}
.header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{font-size:1.7rem;font-weight:800;letter-spacing:.09em;color:var(--navy);text-decoration:none}.brand span{display:block;font-size:.62rem;letter-spacing:.16em;font-weight:650;color:var(--muted);margin-top:-3px}.navlinks{display:flex;gap:22px;align-items:center;flex-wrap:wrap}.navlinks a{color:var(--ink);font-size:.95rem;font-weight:650}.navlinks a:hover{color:var(--blue);text-decoration:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--navy);color:#fff!important;border:1px solid var(--navy);border-radius:7px;padding:12px 18px;font-weight:700;text-decoration:none!important}.btn:hover{background:var(--navy2)}.btn.secondary{background:#fff;color:var(--navy)!important}.btn.secondary:hover{background:var(--soft)}
.hero{background:linear-gradient(135deg,#f7fafc 0%,#eaf1f7 100%);border-bottom:1px solid var(--line);padding:84px 0 72px}.hero-grid{display:grid;grid-template-columns:1.28fr .72fr;gap:55px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.82rem;font-weight:800;color:var(--blue)}
h1{font-size:clamp(2.45rem,5vw,4.45rem);line-height:1.05;letter-spacing:-.035em;color:var(--navy);margin:12px 0 24px}.lead{font-size:1.22rem;color:#405266;max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.reg-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;box-shadow:0 10px 35px rgba(11,35,62,.08)}.reg-card h3{margin:0 0 16px;color:var(--navy)}.reg-list{list-style:none;padding:0;margin:0}.reg-list li{padding:11px 0;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:18px}.reg-list li:first-child{border-top:0}.reg-list strong{color:var(--navy);text-align:right}
.section{padding:72px 0}.section.soft{background:var(--soft)}.section h2{font-size:clamp(1.9rem,3.2vw,2.8rem);line-height:1.2;color:var(--navy);margin:0 0 14px;letter-spacing:-.02em}.sub{color:var(--muted);max-width:820px;margin-bottom:32px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{border:1px solid var(--line);border-radius:10px;padding:28px;background:#fff}.card h3{margin:0 0 10px;color:var(--navy)}.kicker{font-size:.93rem;font-weight:700;color:var(--blue)}
.disclosure{border:1px solid var(--line);background:#fff;border-radius:10px;padding:28px}.disclosure dl{display:grid;grid-template-columns:220px 1fr;gap:10px 24px;margin:0}.disclosure dt{font-weight:750;color:var(--navy)}.disclosure dd{margin:0;color:#405266}
.risk{background:var(--risk);border:1px solid var(--risk-border);border-radius:9px;padding:20px 22px;color:#594116}.risk strong{color:#38270a}.note{font-size:.93rem;color:var(--muted)}
.fee-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}.fee-table th,.fee-table td{padding:17px 18px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.fee-table th{background:#eef3f7;color:var(--navy);font-size:.92rem}.fee-table tr:last-child td{border-bottom:0}
.page-hero{background:var(--soft);padding:52px 0;border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(2.2rem,4vw,3.4rem);margin:0 0 12px}.page-hero p{max-width:820px;color:var(--muted);font-size:1.08rem}.prose{max-width:900px}.prose h2{margin-top:38px}.prose h3{color:var(--navy);margin-top:28px}.prose ul{padding-left:22px}.prose li{margin:8px 0}.contact-box{display:grid;grid-template-columns:1fr 1fr;gap:28px}.contact-list{list-style:none;margin:0;padding:0}.contact-list li{margin:12px 0}.label{font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:800;display:block}.value{font-size:1.05rem;color:var(--navy);font-weight:650}
.footer{background:var(--navy);color:#cbd8e5;padding:44px 0 22px}.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .8fr;gap:34px}.footer h4{margin:0 0 12px;color:#fff}.footer a{color:#d9e8f4}.footer small{display:block;border-top:1px solid #29415a;padding-top:18px;margin-top:28px;color:#9fb1c3}.footer .contact-mini{font-style:normal}
.compliance-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;padding:18px 0}.compliance-strip .container{display:flex;justify-content:space-between;gap:18px;align-items:center;flex-wrap:wrap}.compliance-strip strong{color:var(--navy)}
@media(max-width:900px){.hero-grid,.grid-3,.grid-2,.contact-box,.footer-grid{grid-template-columns:1fr}.navlinks{display:none}.hero{padding-top:54px}.disclosure dl{grid-template-columns:1fr;gap:4px}.disclosure dd{margin-bottom:12px}.topbar .container{display:block}.topbar span{display:block}.reg-list li{align-items:flex-start}.reg-list strong{text-align:left}}