*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Arial,Helvetica,sans-serif;background:#FFFFFF;color:#0C1B24;line-height:1.6}
img{max-width:100%;height:auto;display:block}
.skip-link{position:absolute;left:-999px;top:0;background:#12598B;color:#FFFFFF;padding:10px 16px;z-index:999}
.skip-link:focus{left:10px;top:10px}
ul{list-style:none;margin:0;padding:0}
a{text-decoration:none;color:inherit}
.site-head{background:#001624;position:sticky;top:0;z-index:500;width:100%}
.topbar{display:flex;align-items:center;justify-content:space-between;max-width:1200px;margin:0 auto;padding:12px 10px;min-width:0}
.topbar img{flex-shrink:0}
.hamburger{display:flex;flex-direction:column;justify-content:center;align-items:center;background:transparent;border:none;width:44px;height:44px;padding:8px;cursor:pointer}
.hamburger span{display:block;width:24px;height:3px;background:#685634;margin:3px 0;transition:transform .3s,opacity .3s}
.hamburger:hover span,.hamburger:focus span{background:#FFDFA0}
.desknav{display:none;align-items:center}
.navlist{display:flex;align-items:center}
.navlist>li{position:relative;margin-left:28px}
.navlist>li>a{color:#E9F0F4;font-size:15px;padding:8px 0}
.navlist>li>a:hover{color:#685634}
.hasdrop{display:flex;align-items:center;cursor:default}
.dropicon{color:#E9F0F4;margin-left:6px;width:16px;height:16px;display:flex;align-items:center;justify-content:center;transition:transform .25s}
.hasdrop:hover .dropicon{transform:rotate(180deg)}
.subnav{display:none;position:absolute;top:calc(100% + 1px);left:0;background:#00202F;padding:8px 0;list-style:none;margin:0}
.hasdrop:hover .subnav{display:block}
.subnav li a{display:block;padding:10px 18px;white-space:nowrap;color:#E9F0F4;font-size:14px}
.subnav li a:hover{background:#12598B}
.deskauth{display:flex;margin-left:32px}
.btnghost,.btnfill{display:inline-block;padding:10px 18px;border-radius:6px;font-size:14px;font-weight:700;margin-left:10px;transition:opacity .25s,transform .2s}
.btnfill{background:#12598B;color:#FFFFFF;border:2px solid #12598B}
.btnfill:hover{opacity:.88;transform:translateY(-1px)}
.btnghost{background:transparent;color:#685634;border:2px solid #685634}
.btnghost:hover{background:rgba(242,200,121,.12)}
.mobmenu{display:none;position:fixed;top:0;left:0;width:100%;height:100%;background:#001624;flex-direction:column;z-index:700;overflow-y:auto}
.mobmenu.open{display:flex}
.mobtop{display:flex;align-items:center;justify-content:space-between;padding:14px 16px}
.closebtn{background:transparent;border:none;color:#E9F0F4;font-size:32px;line-height:1;cursor:pointer;padding:6px 10px}
.mobnavlist{display:flex;flex-direction:column;padding:0 16px}
.mobnavlist>li{margin-bottom:6px}
.mobnavlist>li>a{display:block;color:#E9F0F4;padding:12px 0;font-size:16px}
.mob-parent-row{display:flex;align-items:center}
.mob-parent-row a{flex:1;color:#E9F0F4;padding:12px 0;font-size:16px}
.mobarrow{width:32px;height:32px;display:flex;align-items:center;justify-content:center;color:#685634;transition:transform .25s;flex-shrink:0}
.mobarrow.mob-arr-open{transform:rotate(180deg)}
.mobsubnav{display:none;padding-left:24px}
.mobsubnav.open{display:block}
.mobsubnav li a{display:block;padding:10px 0;color:#B9C8D1;font-size:15px}
.mobauth{display:flex;padding:16px;margin-top:8px}
.mobauth a{flex:1;text-align:center}
.mobile-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.55);z-index:600}
.mobile-overlay.active{display:block}
.pageblock{max-width:1200px;margin:0 auto;padding:48px 20px}
.introblock h1{font-size:clamp(26px,4.5vw,38px);color:#00202F;margin-bottom:20px}
.pageblock h2{font-size:clamp(20px,3vw,26px);color:#00202F;margin-bottom:18px}
.pageblock p{margin-bottom:16px;font-size:15px;color:#1A2E38}
.ctawrap{display:flex;justify-content:center;gap:14px;flex-wrap:wrap;margin-top:20px}
.helplinebox{background:#F4F7F9;border-radius:12px;padding:24px;text-align:center;margin:24px 0;box-shadow:0 4px 14px rgba(0,22,36,.08)}
.helplinelabel{display:block;font-size:14px;color:#43535C;margin-bottom:8px}
.helplinenumber{display:block;font-size:clamp(24px,4vw,32px);font-weight:700;color:#12598B}
.site-foot{background:#001624;padding:40px 20px 30px}
.footcols{max-width:1200px;margin:0 auto 24px}
.compliancenav ul{display:flex;flex-wrap:wrap;justify-content:center;gap:20px}
.compliancenav a{color:#CFE0E9;font-size:13px}
.compliancenav a:hover{color:#685634}
.carouselrow{max-width:1200px;margin:0 auto 18px;display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:28px;padding:14px 0;border-top:1px solid #0D3A50}
.trustrow{max-width:1200px;margin:0 auto 18px;display:flex;flex-wrap:wrap;justify-content:flex-start;align-items:center;gap:20px}
.licenseblock{max-width:1200px;margin:0 auto;padding-top:20px;border-top:1px solid #0D3A50}
.licenseblock p{color:#B9C8D1;font-size:12px;line-height:1.7}
@media(min-width:1081px){
.desknav{display:flex}
.hamburger{display:none}
.mobmenu{display:none!important}
}
@media(max-width:480px){
.pageblock{padding:36px 14px}
.helplinebox{padding:18px}
}
@media(prefers-reduced-motion:reduce){
*{transition:none!important;animation:none!important}
}