:root{
  --navy:#0A3161;        /* Old Glory blue */
  --red:#B31942;         /* Old Glory red */
  --cream:#FBF9F4;
  --ink:#14213D;
  --line:#DFE3EC;
  --gold:#C9A24B;
}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}
a{color:var(--red)}
.wrap{max-width:980px;margin:0 auto;padding:0 20px}
/* header */
header{background:var(--navy);color:#fff;padding:14px 0}
header .wrap{display:flex;justify-content:space-between;align-items:center}
.logo{font-size:1.3rem;font-weight:800;color:#fff;text-decoration:none}
.logo em{color:var(--gold);font-style:italic}
.hbtns a{display:inline-block;margin-left:10px;padding:8px 16px;border-radius:6px;text-decoration:none;font-weight:600;font-size:.9rem}
.btn-ghost{color:#fff;border:1px solid rgba(255,255,255,.45)}
.btn-solid{background:var(--red);color:#fff}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#0E2A50 60%,#122B4E 100%);color:#fff;padding:56px 0 48px;position:relative;overflow:hidden}
.hero::before{content:"★ ★ ★ ★ ★";position:absolute;top:18px;right:24px;color:rgba(255,255,255,.16);letter-spacing:10px;font-size:1.1rem}
.hero .eyebrow{color:var(--gold);font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:.78rem}
.hero h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(1.9rem,4.5vw,3rem);line-height:1.15;margin:12px 0 16px}
.hero h1 em{color:var(--gold)}
.hero p.lede{max-width:640px;color:#DCE4F2;font-size:1.05rem}
.chips{margin-top:22px;display:flex;flex-wrap:wrap;gap:10px}
.chip{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:6px 14px;font-size:.85rem}
/* key facts card */
.facts{background:#fff;border:1px solid var(--line);border-top:5px solid var(--red);border-radius:12px;padding:22px 24px;margin:-34px auto 0;max-width:940px;box-shadow:0 8px 28px rgba(10,49,97,.10);position:relative}
.facts h2{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin-bottom:12px}
.facts dl{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px 18px}
.facts dt{font-size:.75rem;color:#5A6478;text-transform:uppercase;letter-spacing:.06em}
.facts dd{font-weight:700;font-size:1.02rem}
/* trust strip */
.trust{display:flex;flex-wrap:wrap;gap:10px 26px;justify-content:center;padding:20px;font-size:.88rem;color:#3C465C}
/* sections */
section{padding:34px 0}
h2.sec{font-family:Georgia,serif;font-size:1.7rem;margin-bottom:14px;position:relative;padding-left:16px}
h2.sec::before{content:"";position:absolute;left:0;top:.2em;bottom:.2em;width:5px;background:linear-gradient(var(--red) 33%,#fff 33% 66%,var(--navy) 66%);border:1px solid var(--line)}
h3{margin:22px 0 8px;font-size:1.12rem}
p{margin-bottom:12px;max-width:70ch}
/* tables */
table{width:100%;border-collapse:collapse;margin:16px 0;background:#fff;font-size:.93rem}
th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px}
td{padding:10px 12px;border-bottom:1px solid var(--line)}
tr:nth-child(even) td{background:#F4F6FB}
.note{font-size:.85rem;color:#5A6478}
/* steps */
.step{display:flex;gap:16px;margin:18px 0;background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px}
.step .n{flex:0 0 40px;height:40px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:8px;margin:10px 0;padding:14px 16px}
summary{cursor:pointer;font-weight:700;list-style:none}
summary::after{content:"+";float:right;color:var(--red);font-weight:800}
details[open] summary::after{content:"–"}
details p{margin-top:10px}
/* CTA */
.cta{background:var(--red);color:#fff;text-align:center;padding:44px 20px;border-radius:14px;margin:30px auto;max-width:940px}
.cta h2{font-family:Georgia,serif;font-size:1.8rem;margin-bottom:8px}
.cta a.big{display:inline-block;margin:16px 8px 0;background:#fff;color:var(--red);padding:12px 26px;border-radius:8px;font-weight:800;text-decoration:none}
.cta a.alt{background:var(--navy);color:#fff}
footer{background:var(--navy);color:#B9C4DA;text-align:center;padding:26px 20px;font-size:.85rem;margin-top:40px}
footer a{color:#fff}
@media(max-width:640px){.hero::before{display:none}}