:root{
  --navy:#052549; --navy-2:#0b3a6b; --gold:#c6a158; --gold-dk:#a8843f;
  --cream:#fdf7ec; --soft:#f0e8d6; --note:#344a68; --line:rgba(198,161,88,.4);
  --serif:Palatino,"Palatino Linotype","Book Antiqua",Georgia,serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--serif);background:var(--cream);color:var(--navy);line-height:1.65;font-size:18px}
img{max-width:100%;display:block}
a{color:var(--navy)}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}

/* header */
header{background:var(--navy);border-bottom:3px solid var(--gold)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand img{width:58px;height:58px}
.brand b{color:var(--cream);font-size:20px;font-weight:400;letter-spacing:.06em;line-height:1.2}
.brand span{display:block;color:var(--gold);font-size:11px;letter-spacing:.22em;text-transform:uppercase}
nav{display:flex;gap:26px;align-items:center;flex-wrap:wrap}
nav a{color:var(--cream);text-decoration:none;font-size:15px;letter-spacing:.12em;text-transform:uppercase;padding-bottom:3px;border-bottom:2px solid transparent}
nav a:hover,nav a.on{border-color:var(--gold);color:#fff}
.callbtn{background:var(--gold);color:var(--navy)!important;padding:9px 18px;border-radius:3px;border:0!important;font-weight:700;letter-spacing:.04em}
.callbtn:hover{background:#dbb673}

/* hero */
.hero{background:var(--navy);color:var(--cream);text-align:center;padding:54px 0 62px}
.hero img{width:230px;height:230px;margin:0 auto 26px}
.hero h1{font-size:46px;font-weight:400;letter-spacing:.01em}
.hero .kick{color:var(--gold);letter-spacing:.26em;text-transform:uppercase;font-size:14px;margin:14px auto 22px}
.hero p{max-width:640px;margin:0 auto;font-size:21px;font-style:italic;color:#dfe6f0}
.hero .es{color:var(--gold);font-size:19px;margin-top:6px}
.cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:32px}
.btn{display:inline-block;padding:14px 30px;border-radius:3px;text-decoration:none;font-size:17px;letter-spacing:.05em}
.btn-g{background:var(--gold);color:var(--navy);font-weight:700}
.btn-g:hover{background:#dbb673}
.btn-o{border:2px solid var(--gold);color:var(--gold)}
.btn-o:hover{background:rgba(198,161,88,.14)}

/* sections */
section{padding:56px 0}
section.alt{background:var(--soft)}
h2{font-size:32px;font-weight:400;text-align:center;letter-spacing:.01em}
h2+.sub{text-align:center;color:var(--note);margin-top:8px;font-style:italic}
.rule{width:120px;height:2px;background:var(--gold);margin:16px auto 34px}
h3{font-size:21px;font-weight:400;margin-bottom:8px}

.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:4px;padding:24px 26px}
.card p{color:var(--note);font-size:16px}
.card .es{color:var(--gold-dk);font-size:15px;font-style:italic;margin-top:6px}

ul.tick{list-style:none}
ul.tick li{padding:9px 0 9px 26px;position:relative;color:var(--note)}
ul.tick li:before{content:"◆";color:var(--gold);position:absolute;left:0;font-size:12px;top:12px}

/* counties */
.counties{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:8px}
.counties span{background:#fff;border:1px solid var(--line);border-radius:3px;padding:10px 22px;letter-spacing:.06em}

/* tables */
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line)}
caption{text-align:left;background:var(--navy);color:var(--cream);padding:12px 16px;letter-spacing:.14em;text-transform:uppercase;font-size:14px}
th,td{padding:14px 16px;border-bottom:1px solid rgba(5,37,73,.09);text-align:left;vertical-align:top}
td.fee{white-space:nowrap;font-weight:700;text-align:right}
td.note{color:var(--note);font-size:15px}
tbody tr:nth-child(odd){background:var(--soft)}
tbody tr:last-child td{border-bottom:0}

/* statutory + disclosure */
.stat{background:var(--navy);color:var(--cream);border:2px solid var(--gold);border-radius:4px;padding:32px 28px;text-align:center;margin:34px 0}
.stat h3{color:var(--gold);letter-spacing:.16em;text-transform:uppercase;font-size:16px}
.stat .h3es{color:var(--gold);letter-spacing:.1em;text-transform:uppercase;font-size:13px;opacity:.85;margin-bottom:16px}
.stat p{font-size:19px;margin:5px 0}
.stat hr{border:0;border-top:1px solid var(--line);margin:20px auto;max-width:520px}
.stat .disc{font-style:italic;font-size:16px;color:#e6ecf4;max-width:760px;margin:8px auto}

/* contact */
.big{font-size:44px;letter-spacing:.02em;text-decoration:none;display:block;text-align:center;font-weight:700}
.mid{font-size:22px;text-align:center;display:block;margin-top:6px}

footer{background:var(--navy);color:#cdd7e5;padding:44px 0 32px;border-top:3px solid var(--gold);font-size:15px}
footer a{color:var(--gold);text-decoration:none}
footer .fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:26px;margin-bottom:26px}
footer h4{color:var(--cream);font-weight:400;letter-spacing:.16em;text-transform:uppercase;font-size:13px;margin-bottom:10px}
footer .legal{border-top:1px solid rgba(198,161,88,.28);padding-top:20px;text-align:center;font-size:14px;line-height:1.7;color:#b9c5d6}
footer .legal em{display:block;margin:4px 0}

@media(max-width:640px){
  body{font-size:17px}
  .hero h1{font-size:34px}
  .hero img{width:170px;height:170px}
  h2{font-size:26px}
  .big{font-size:34px}
  nav{gap:16px}
  nav a{font-size:13px}
  td.note{display:none}
}