@font-face{font-family:"Montserrat";font-weight:400;font-style:normal;font-display:swap;src:url(../fonts/montserrat-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Montserrat";font-weight:600;font-style:normal;font-display:swap;src:url(../fonts/montserrat-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Montserrat";font-weight:700;font-style:normal;font-display:swap;src:url(../fonts/montserrat-latin-700-normal.woff2) format("woff2")}
:root{--navy:#03172B;--gold:#A98555;--ink:#1E1E1E;--soft:#EEF1F5;--white:#FFFFFF;
--title:"Bank Gothic","BankGothic Md BT","Montserrat",sans-serif;--body:"Montserrat",system-ui,-apple-system,"Segoe UI",sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:4.5rem}
html,body{height:100%}
body{margin:0;font:400 1rem/1.65 var(--body);color:var(--ink);background:var(--white);padding-bottom:4.5rem;min-height:100%;display:flex;flex-direction:column}
main{flex:1 0 auto}
header,footer{flex:none}
h1,h2,h3{font-family:var(--title);text-transform:uppercase;letter-spacing:.04em;line-height:1.15;margin:0 0 .75rem;color:var(--navy)}
h1{font-size:clamp(1.9rem,7vw,3.4rem)}h2{font-size:clamp(1.4rem,4.5vw,2.1rem)}h3{font-size:1.05rem}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{width:min(100% - 2rem,68rem);margin-inline:auto}.narrow{max-width:46rem}
.skip{position:absolute;left:-999px;top:0;background:var(--white);padding:.5rem 1rem;z-index:100}.skip:focus{left:0}
.hd{position:sticky;top:0;z-index:50;background:var(--navy);color:var(--white)}
.hd-in{display:flex;align-items:center;justify-content:space-between;min-height:4rem}
.logo{text-decoration:none;display:flex;flex-direction:column;line-height:1.1}
.logo span{font-family:var(--title);letter-spacing:.12em;font-size:1.25rem}
.logo small{color:var(--gold);font-size:.62rem;letter-spacing:.2em;text-transform:uppercase}
.burger{width:3rem;height:3rem;background:none;border:0;display:grid;place-content:center;gap:5px;cursor:pointer}
.burger span{display:block;width:1.6rem;height:2px;background:var(--white)}
.nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);padding:1rem;flex-direction:column;gap:.5rem}
.nav.open{display:flex}
.nav a{padding:.75rem .25rem;text-decoration:none;font-weight:600}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:3.4rem;padding:.9rem 1.85rem;border:2px solid transparent;font:800 .95rem var(--body);letter-spacing:.05em;text-transform:uppercase;text-decoration:none;cursor:pointer;border-radius:2px;text-align:center}
.btn-ic svg{flex:none;margin-inline-end:.15rem}
.ic-wa{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 4px 14px rgba(169,133,85,.35)}.btn-gold:hover{background:var(--white);box-shadow:0 4px 16px rgba(169,133,85,.5)}
.btn-navy{background:var(--navy);color:var(--white)}.btn-navy:hover{background:var(--gold);color:var(--navy)}
.btn-line{border-color:var(--white);color:var(--white)}.btn-line:hover{background:var(--white);color:var(--navy)}
.hero{background:linear-gradient(160deg,var(--navy) 55%,#0a2a4a);color:var(--white);padding:clamp(3rem,10vw,7rem) 0}
.hero h1{color:var(--white)}
.eyebrow{color:var(--gold);font-weight:700;letter-spacing:.18em;text-transform:uppercase;font-size:.75rem;margin:0 0 1rem}
.payoff{font-size:clamp(1.15rem,3.5vw,1.6rem);font-weight:600;margin:0 0 .5rem}
.lead{max-width:36rem;opacity:.9}
.cta{display:flex;flex-direction:column;gap:.75rem;margin-top:1.75rem}
.sec{padding:clamp(2.5rem,7vw,5rem) 0}.alt{background:var(--soft)}
.navy{background:var(--navy);color:var(--white)}.navy h2{color:var(--white)}
.grid,.steps{list-style:none;margin:1.5rem 0 0;padding:0;display:grid;gap:1rem}
.grid li,.steps li{background:var(--white);border-top:3px solid var(--gold);padding:1.25rem;box-shadow:0 1px 6px rgba(3,23,43,.08)}
.grid p,.steps p{margin:0}
.steps{counter-reset:s}.steps li{counter-increment:s}.steps h3::before{content:counter(s) ". ";color:var(--gold)}
.center{text-align:center;margin-top:2rem}
.claim{font-family:var(--title);text-transform:uppercase;letter-spacing:.06em;color:var(--navy);font-size:1.1rem}
form{display:grid;gap:1rem;margin-top:1.5rem}
label{display:grid;gap:.35rem;font-weight:600;font-size:.9rem}
input:not([type=checkbox]),textarea{width:100%;min-height:3rem;padding:.6rem .75rem;font:inherit;color:var(--ink);background:var(--white);border:2px solid transparent;border-radius:2px}
fieldset{border:1px solid rgba(255,255,255,.3);padding:.75rem 1rem;display:grid;gap:.25rem}
.chk{display:flex;align-items:center;gap:.6rem;min-height:2.75rem;font-weight:400}
.chk input{width:1.25rem;height:1.25rem;accent-color:var(--gold)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.err{background:var(--white);color:#8a1c1c;padding:.6rem .75rem;margin:0;font-weight:600}
.alt-c{text-align:center;margin-top:1.5rem}.alt-c a{color:var(--gold);font-weight:700}
.ft{background:var(--ink);color:var(--soft);padding:1.5rem 0;font-size:.85rem}
.ft-in{display:flex;flex-direction:column;gap:1rem;align-items:flex-start}
.ft-txt{margin:0}
.social{display:flex;gap:.9rem}
.social a{display:inline-flex;align-items:center;justify-content:center;width:2.25rem;height:2.25rem;border-radius:50%;background:rgba(255,255,255,.08);color:var(--soft);text-decoration:none}
.social a:hover{background:var(--gold);color:var(--navy)}
@media(min-width:36rem){.ft-in{flex-direction:row;align-items:center;justify-content:space-between}}
.wa{position:fixed;left:1rem;right:1rem;bottom:1rem;z-index:60;background:var(--gold);color:var(--navy);font-weight:800;text-transform:uppercase;letter-spacing:.06em;text-align:center;text-decoration:none;padding:.9rem;border-radius:2px;box-shadow:0 4px 14px rgba(0,0,0,.3);display:flex;align-items:center;justify-content:center;gap:.5rem}
@media(min-width:48rem){
body{padding-bottom:0}
.burger{display:none}
.nav{display:flex;position:static;flex-direction:row;align-items:center;padding:0;gap:1.25rem}
.nav a{font-size:.85rem}.nav .btn{padding:.5rem 1rem;min-height:2.5rem}
.cta{flex-direction:row}
.grid{grid-template-columns:repeat(auto-fit,minmax(15rem,1fr))}
.steps{grid-template-columns:repeat(4,1fr)}
.wa{left:auto;right:1.5rem;bottom:1.5rem;padding:.9rem 1.5rem}
}
.err404{text-align:left}
.err404 h1{position:relative}
.err404::before{content:"404";position:absolute;right:1rem;top:50%;transform:translateY(-50%);font-family:var(--title);font-size:min(40vw,16rem);color:rgba(169,133,85,.12);line-height:1;pointer-events:none;z-index:0;letter-spacing:0}
.err404 .wrap{position:relative;z-index:1}
.center{text-align:center}
.err-links{display:flex;flex-wrap:wrap;justify-content:center;gap:.4rem 1rem;font-weight:600}
.err-links a{text-decoration:none;color:var(--navy)}
.err-links a:hover{color:var(--gold)}
@media(max-width:47.9375rem){.err404::before{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.priv{margin:0;font-size:.8rem;opacity:.85}.priv a{color:var(--gold)}
.doc h2{font-size:1.15rem;margin-top:2rem}.doc a{color:var(--navy);font-weight:600}.doc .todo{background:var(--soft);padding:.1rem .35rem}