:root{--navy: #0F2344;--navy-deep: #07152B;--navy-mid: #183A6B;--sky: #0092C4;--sky-light: #33B4E0;--sky-pale: #EAF6FB;--sky-ultra: #D0EEF8;--cream: #F7F4EF;--warm: #F0F4F9;--text: #1E3350;--muted: #5A6E87;--white: #FFFFFF;--green: #0D7A4E;--green-pale: #EAF7F1;--gold: #B8791F;--gold-light: #D4952A;--border: rgba(15, 35, 68, .09);--border-strong: #E2E8F0;--red: #DC2626;--red-pale: #FEF2F2;--green: #2D8559;--green-pale: #F0F9F4;--shadow-sm: 0 1px 2px rgba(15, 35, 68, .04);--shadow-md: 0 8px 24px rgba(15, 35, 68, .08);--shadow-lg: 0 24px 60px rgba(15, 35, 68, .12)}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:DM Sans,system-ui,sans-serif;color:var(--text);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;overflow-x:hidden}img{max-width:100%;display:block}button{font-family:inherit;cursor:pointer;border:0;background:0}input,select{font-family:inherit}.serif{font-family:Playfair Display,Georgia,serif}.italic{font-style:italic}.emph{color:var(--sky-mid);font-weight:600}nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid var(--border);padding:14px 36px;display:flex;align-items:center;justify-content:space-between}@media (max-width: 860px){nav{flex-direction:column;gap:8px;padding:12px 20px;align-items:center}nav>div:last-child{width:100%;display:flex;flex-direction:column;gap:8px}}.nav-logo{display:flex;align-items:center;gap:14px}@media (max-width: 860px){.nav-logo{height:32px;order:-1;width:100%;display:flex;flex-direction:column;align-items:center;justify-content:center}}.nav-logo img{height:27px;width:auto}.nav-logo-divider{width:1px;height:26px;background:var(--border-strong)}@media (max-width: 860px){.nav-logo-divider{display:none}}.nav-logo-title{font-family:Playfair Display,serif;font-weight:500;font-size:15px;color:var(--navy);letter-spacing:.02em}@media (max-width: 860px){.nav-logo-title{display:none}}.nav-cta{background:var(--navy);color:var(--white);padding:11px 22px;border-radius:999px;font-size:14px;font-weight:600;letter-spacing:.02em;transition:transform .2s,background .2s;text-decoration:none;text-align:center}.nav-cta--light{background:var(--sky-light);color:var(--white)}@media (max-width: 860px){.nav-cta{padding:9px 16px;font-size:13px;width:100%}}.nav-cta:hover{background:var(--navy-mid);transform:translateY(-1px)}footer{background:var(--navy-deep);color:rgba(255,255,255,.65);padding:36px 36px 32px;text-align:center;font-size:14px;line-height:1.6}footer .footer-logo{display:flex;justify-content:center;margin-bottom:18px}footer .footer-logo img{height:24px;filter:brightness(0) invert(1);opacity:.92;width:auto}footer p{max-width:720px;margin:0 auto 6px;line-height:1.6}footer .footer-nmls{color:rgba(255,255,255,.5);margin-top:14px;font-size:11.5px}