:root{--navy:#17324d;--teal:#4f7f7b;--cream:#fbf6ea;--gold:#b79652;--ink:#263238;--white:#fff}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;font-size:18px;line-height:1.65;color:var(--ink);background:var(--cream)}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.2}h1{font-size:clamp(2.2rem,5vw,4rem)}h2{font-size:clamp(1.6rem,3vw,2.4rem);margin-top:2.5rem}a{color:var(--navy)}a:focus,button:focus,input:focus,textarea:focus{outline:3px solid var(--gold);outline-offset:3px}.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:white;padding:.75rem;z-index:100}.wrap{width:min(1100px,92%);margin:auto}header{background:var(--navy);color:white}.brand{padding:1.2rem 0;font-family:Georgia,serif;font-size:1.5rem;font-weight:bold}.brand a{color:white;text-decoration:none}nav{display:flex;gap:.4rem 1.1rem;flex-wrap:wrap;padding:0 0 1.1rem}nav a{color:white;text-decoration:none;font-weight:bold}.button{display:inline-block;background:var(--teal);color:white!important;padding:.75rem 1.15rem;border-radius:.3rem;text-decoration:none;font-weight:bold;margin:.25rem .35rem .25rem 0}.button.gold{background:var(--gold);color:#13283d!important}.hero{padding:5rem 0 4rem;background:linear-gradient(180deg,#fffaf0,var(--cream));border-bottom:5px solid var(--gold)}main{padding:2rem 0 4rem}.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.25rem}.card{background:white;padding:1.35rem;border:1px solid #ddd7c8;border-radius:.45rem}.callout{border-left:5px solid var(--teal);background:white;padding:1rem 1.25rem;margin:2rem 0}footer{background:var(--navy);color:white;padding:2.5rem 0}footer a{color:white}.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:1.5rem}label{display:block;font-weight:bold;margin-top:1rem}input,textarea{width:100%;font:inherit;padding:.7rem;border:1px solid #777;background:white}textarea{min-height:10rem}.note{font-size:.95rem}.legal h2{margin-top:2.2rem}@media(max-width:600px){body{font-size:17px}.hero{padding:3rem 0}}