:root{--navy:#0c377e;--navy-dark:#082757;--orange:#e95705;--ink:#1d2433;--muted:#5a6478;--bg:#ffffff;--alt:#f4f6fa;--line:#dde3ee;--radius:10px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
a:hover{color:var(--orange)}
.wrap{max-width:1100px;margin:0 auto;padding:0 1.25rem}
.narrow{max-width:760px}
.site-header{border-bottom:1px solid var(--line);background:#fff}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:.9rem;padding-bottom:.9rem}
.logo img{width:220px;height:auto}
.hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;padding:4.5rem 0 4rem;border-bottom:6px solid var(--orange)}
.eyebrow{margin:0 0 1rem;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#ffb98f}
.eyebrow span{margin:0 .35em;opacity:.7}
h1{margin:0 0 1rem;font-size:clamp(2rem,5.5vw,3.4rem);line-height:1.12;letter-spacing:-.01em;max-width:18ch}
.sub{margin:0 0 1.25rem;font-size:clamp(1.1rem,2.4vw,1.4rem);color:#dbe5f7;max-width:40ch}
.dateline{margin:0;font-size:.95rem;color:#b9c8e6}
.section{padding:3.5rem 0}
.section.alt{background:var(--alt)}
h2{margin:0 0 1.1rem;font-size:clamp(1.5rem,3.2vw,2rem);line-height:1.2;color:var(--navy)}
p{margin:0 0 1rem}
.actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}
.btn{display:inline-block;padding:.8rem 1.35rem;border-radius:var(--radius);background:var(--orange);color:#fff;font-weight:700;text-decoration:none;border:2px solid var(--orange);transition:background .15s,color .15s}
.btn:hover,.btn:focus-visible{background:#c94a03;border-color:#c94a03;color:#fff}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover,.btn-outline:focus-visible{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-small{padding:.5rem .95rem;font-size:.92rem}
.letter{margin:0;padding:1.75rem 1.75rem 1.5rem;background:#fff;border-left:5px solid var(--orange);border-radius:var(--radius);box-shadow:0 1px 3px rgba(12,55,126,.08)}
.letter footer{margin-top:1.25rem;color:var(--muted)}
.letter footer strong{color:var(--ink)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:.75rem}
.faq summary{cursor:pointer;padding:1rem 1.25rem;font-weight:700;color:var(--navy);list-style:none;position:relative;padding-right:3rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.25rem;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--orange)}
.faq details[open] summary::after{content:"\2013"}
.faq details p{padding:0 1.25rem 1.1rem;margin:0}
.site-footer{background:var(--navy-dark);color:#cdd8ee;padding:2rem 0;text-align:center}
.site-footer a{color:#fff}
.site-footer .small{font-size:.85rem;margin:0;color:#9fb1d4}
a:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:3px}
@media (max-width:560px){.logo img{width:170px}.hero{padding:3rem 0 2.75rem}.section{padding:2.5rem 0}.letter{padding:1.25rem}.actions .btn{width:100%;text-align:center}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}