:root { --navy:#071f49; --gold:#b78a35; --text:#13213a; --muted:#596171; --line:rgba(183,138,53,.28); --cream:#fbfaf7; }
* { box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { margin:0; color:var(--text); background:linear-gradient(180deg,#fff 0%,var(--cream) 100%); font-family:Georgia,"Times New Roman",serif; line-height:1.72; }
header { position:sticky; top:0; z-index:10; background:rgba(255,255,255,.94); backdrop-filter:blur(12px); border-bottom:1px solid var(--line); }
.nav { max-width:980px; margin:auto; padding:18px 24px; display:flex; align-items:center; justify-content:space-between; gap:24px; }
.brand,.nav-links a { color:var(--navy); text-decoration:none; }
.brand { font-size:.82rem; text-transform:uppercase; letter-spacing:.14em; }
.nav-links { display:flex; gap:20px; }
.nav-links a { font-size:.75rem; text-transform:uppercase; letter-spacing:.12em; }
a:hover,a:focus-visible { color:var(--gold); outline:none; }
main { max-width:860px; margin:auto; padding:72px 24px 88px; }
.kicker { color:var(--gold); font-size:.76rem; text-transform:uppercase; letter-spacing:.24em; }
h1,h2,h3 { color:var(--navy); font-weight:500; line-height:1.22; }
h1 { margin:.45rem 0 .6rem; font-size:clamp(2.4rem,6vw,4.2rem); letter-spacing:.025em; }
.effective { color:var(--muted); margin:0 0 48px; }
.intro { font-size:1.08rem; padding-bottom:34px; border-bottom:1px solid var(--line); }
h2 { margin:48px 0 14px; font-size:1.58rem; }
h3 { margin:28px 0 8px; font-size:1.13rem; }
p { margin:0 0 16px; }
ul,ol { padding-left:1.35rem; margin:10px 0 20px; }
li { margin:7px 0; }
strong { color:var(--navy); }
.contact { margin-top:18px; padding:24px; border:1px solid var(--line); background:#fff; }
.contact a,.policy-link { color:var(--navy); }
footer { border-top:1px solid var(--line); background:#fff; padding:30px 24px; text-align:center; color:var(--muted); font-size:.82rem; }
.footer-links { display:flex; justify-content:center; gap:20px; margin-bottom:8px; }
.footer-links a { color:var(--navy); }
@media(max-width:640px){ .nav{align-items:flex-start;flex-direction:column;gap:10px}.nav-links{gap:14px;flex-wrap:wrap}main{padding-top:48px}h1{font-size:2.5rem} }