:root{--navy:#102a43;--navy2:#081b2c;--gold:#d1a94f;--ivory:#f8f5ec;--white:#fff;--ink:#17212b;--muted:#5f6b76;--line:#d9dee3;--red:#9c2c2c;--shadow:0 18px 50px rgba(8,27,44,.14);--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}a{color:inherit}.shell{width:min(1180px,calc(100% - 36px));margin:auto}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:999}.campaign-bar{background:var(--navy2);color:#fff;font-size:.86rem}.campaign-bar .shell{display:flex;justify-content:space-between;padding:8px 0;gap:16px}.campaign-bar a{color:var(--gold)}.site-header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);z-index:50;border-bottom:1px solid var(--line)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:82px}.brand{display:flex;gap:12px;align-items:center;text-decoration:none}.brand-mark{display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:900;border:3px solid var(--gold)}.brand strong,.brand small{display:block}.brand small{font-size:.75rem;color:var(--muted)}.main-nav{display:flex;align-items:center;gap:8px}.main-nav a{padding:10px 9px;text-decoration:none;font-weight:700;font-size:.92rem;border-radius:8px}.main-nav a:hover,.main-nav .is-active{background:var(--ivory)}.main-nav .binder-nav{color:var(--navy);border:1px solid var(--gold)}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:var(--navy2)!important;padding:13px 20px;border-radius:999px;text-decoration:none;font-weight:900;border:2px solid var(--gold);cursor:pointer}.button.alt{background:transparent;color:#fff!important;border-color:#fff}.button.ghost{background:#fff;border-color:var(--navy);color:var(--navy)!important}.button.small{padding:9px 14px}.menu-toggle{display:none}.hero{background:linear-gradient(120deg,var(--navy2),var(--navy));color:#fff;padding:82px 0;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.15em;font-weight:900;color:var(--gold);font-size:.8rem}.hero h1,.page-hero h1{font-family:Georgia,serif;font-size:clamp(2.8rem,6vw,5.5rem);line-height:.98;margin:.18em 0}.hero h1 span{color:var(--gold)}.lead{font-size:1.2rem;max-width:720px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.portrait-card{position:relative;border:10px solid rgba(255,255,255,.14);border-radius:30px;overflow:hidden;box-shadow:var(--shadow);min-height:520px;background:#193b58}.portrait-card img{width:100%;height:100%;object-fit:cover;position:absolute}.portrait-caption{position:absolute;bottom:0;left:0;right:0;background:linear-gradient(transparent,rgba(0,0,0,.85));padding:80px 22px 22px;font-weight:800}.section{padding:78px 0}.section.soft{background:var(--ivory)}.section.dark{background:var(--navy);color:#fff}.section h2{font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.6rem);line-height:1.08;margin:.2em 0}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:32px}.card{background:#fff;border:1px solid var(--line);padding:27px;border-radius:var(--radius);box-shadow:0 8px 28px rgba(8,27,44,.07)}.card h3{margin:.2em 0;font-size:1.3rem}.card-number{font:900 2.5rem Georgia;color:var(--gold)}.statement{font:700 clamp(1.5rem,3vw,2.7rem) Georgia;line-height:1.25}.callout{border-left:7px solid var(--gold);padding:24px;background:#fff;color:var(--ink);border-radius:0 var(--radius) var(--radius) 0}.page-hero{padding:70px 0;background:var(--ivory)}.page-hero h1{font-size:clamp(2.6rem,5vw,4.8rem)}.quick-path{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.quick-path a{text-decoration:none}.site-footer{background:var(--navy2);color:#fff;padding:55px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.site-footer h2{font-size:1rem;color:var(--gold)}.site-footer a{display:block;color:#fff;margin:6px 0}.legal{border-top:1px solid rgba(255,255,255,.18);margin-top:35px;padding-top:22px;font-size:.82rem;color:#d9e2ea}.footer-brand .brand-mark{background:#fff}.binder-hero{background:radial-gradient(circle at 80% 10%,#365c7a,var(--navy2) 55%);color:#fff;padding:70px 0}.binder-cover{background:#17334c;border:12px solid #d2b167;border-radius:14px;box-shadow:0 25px 60px rgba(0,0,0,.3);padding:44px;text-align:center;transform:rotate(1deg)}.binder-cover h2{font:700 2.5rem Georgia;margin:.3em}.binder-toolbar{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-bottom:20px}.binder-toolbar input,.binder-toolbar select{padding:13px 15px;border:1px solid var(--line);border-radius:10px;font-size:1rem}.binder-toolbar input{flex:1;min-width:240px}.binder-layout{display:grid;grid-template-columns:320px 1fr;min-height:720px;background:#6b4b2a;padding:18px;border-radius:24px;box-shadow:var(--shadow)}.binder-index{background:#f4efe1;border-radius:12px 0 0 12px;padding:25px;overflow:auto}.binder-index button{display:block;width:100%;text-align:left;background:transparent;border:0;border-bottom:1px solid #d6cdb9;padding:13px 8px;cursor:pointer;font-weight:700}.binder-index button.active{color:var(--red);background:#fff8e9}.binder-page{background:#fffdf7;padding:38px 45px;border-radius:0 12px 12px 0;position:relative}.binder-page:before{content:'';position:absolute;left:0;top:0;bottom:0;width:24px;background:repeating-linear-gradient(#ddd 0 18px,#aaa 19px 23px,#ddd 24px 42px)}.binder-page-inner{margin-left:20px}.doc-meta{display:flex;gap:8px;flex-wrap:wrap}.badge{font-size:.75rem;font-weight:900;padding:5px 9px;background:var(--ivory);border-radius:999px;border:1px solid var(--line)}.pdf-frame{width:100%;height:520px;border:1px solid var(--line);margin-top:22px}.empty-pdf{padding:25px;background:var(--ivory);border:1px dashed #8b7b5c;margin-top:20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-grid .full{grid-column:1/-1}label{font-weight:800;display:block;margin-bottom:5px}input,textarea,select{width:100%;padding:12px;border:1px solid #aeb8c2;border-radius:9px;font:inherit}textarea{min-height:150px}.notice{padding:16px;border-radius:10px;background:#fff4d8;border:1px solid #e1c06e}.success{background:#e7f5ea;border:1px solid #6c9f76;padding:14px;border-radius:10px}.error{background:#fdeaea;border:1px solid #c27575;padding:14px;border-radius:10px}
@media(max-width:900px){.menu-toggle{display:block}.main-nav{display:none;position:absolute;top:82px;left:0;right:0;background:#fff;padding:18px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.hero-grid,.grid-3,.grid-2,.quick-path,.footer-grid,.binder-layout{grid-template-columns:1fr}.portrait-card{min-height:430px}.binder-index{border-radius:12px 12px 0 0;max-height:330px}.binder-page{border-radius:0 0 12px 12px;padding:28px 18px}.form-grid{grid-template-columns:1fr}.form-grid .full{grid-column:auto}}@media(max-width:600px){.campaign-bar .shell{display:block}.hero{padding:55px 0}.section{padding:55px 0}.brand small{display:none}.hero h1{font-size:3rem}.binder-cover{padding:25px}.pdf-frame{height:430px}}

/* Digital Binder table of contents hierarchy */
.binder-index-heading{position:sticky;top:0;z-index:2;margin:0;padding:.72rem .9rem;background:#101b33;color:#fff;font-size:.72rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;border-top:1px solid rgba(255,255,255,.12)}
.binder-index button{display:grid;grid-template-columns:3.7rem 1fr;gap:.72rem;align-items:start;width:100%;text-align:left}
.binder-index button .binder-number{display:inline-flex;align-items:center;justify-content:center;min-height:2.15rem;padding:.25rem .4rem;border-radius:.45rem;background:rgba(16,27,51,.08);font-weight:900;font-variant-numeric:tabular-nums}
.binder-index button small{display:block;margin-bottom:.18rem;font-size:.65rem;letter-spacing:.045em;text-transform:uppercase;opacity:.68}
.binder-index button.active .binder-number{background:rgba(255,255,255,.18)}
.binder-no-results{padding:1rem}
@media (max-width:760px){.binder-index button{grid-template-columns:3.25rem 1fr}.binder-index-heading{position:static}}