*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:#F7F3EC;color:#131A28;font-family:'Instrument Sans',system-ui,sans-serif;-webkit-font-smoothing:antialiased;text-wrap:pretty}
a{color:#0E1524;text-decoration-color:rgba(231,163,60,.55);text-underline-offset:3px}
a:hover{color:#A9701A}
h1,h2,h3{margin:0}
p{margin:0}
ul{margin:0}
img{max-width:100%}
::selection{background:#E7A33C;color:#0E1524}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
@keyframes glow{0%,100%{opacity:.55}50%{opacity:.85}}
.glow{animation:glow 9s ease-in-out infinite}
@media (prefers-reduced-motion:reduce){.glow{animation:none}}
/* hover states (override inline styles) */
.nav-link:hover{background:rgba(231,163,60,.14);color:#F7F3EC!important;text-decoration:none}
.btn-amber:hover{background:#F5B942!important;text-decoration:none}
.btn-outline-d:hover{border-color:#E7A33C!important;color:#E7A33C!important;text-decoration:none}
.btn-navy:hover{background:#16203A!important;text-decoration:none;color:#F7F3EC!important}
.card-hover{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.card-hover:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(14,21,36,.1);border-color:rgba(231,163,60,.55)}
.pill-amber:hover{background:#E7A33C!important;text-decoration:none}
.pill-outline:hover{border-color:#131A28!important;color:#131A28!important;text-decoration:none}
.hub-link:hover{color:#A9701A!important;text-decoration:none}
.back-d:hover{color:#E7A33C!important;text-decoration:none}
.back-l:hover{color:#A9701A!important;text-decoration:none}
.foot-link:hover{color:#E7A33C!important;text-decoration:none}
.foot-mail:hover{color:#F5B942!important;text-decoration:none}
/* accordion */
.faq-item{background:#FFFDF9;border:1px solid rgba(19,26,40,.1);border-radius:14px;overflow:hidden}
.faq-item>summary{list-style:none;padding:18px 20px;display:flex;gap:16px;align-items:center;justify-content:space-between;font-size:16px;font-weight:600;color:#131A28;letter-spacing:-.01em;cursor:pointer}
.faq-item>summary::-webkit-details-marker{display:none}
.faq-item>summary::after{content:"+";flex:none;font-size:18px;line-height:1;color:var(--accent,#E7A33C)}
.faq-item[open]>summary::after{content:"\2013"}
.faq-a{padding:0 20px 20px;font-size:15px;line-height:1.65;color:#5C6478}
.faq-item[open] .faq-a{animation:rise .2s ease}