:root{
  --navy:#20233b;
  --gold:#d8b34b;
  --cream:#f7f0d9;
  --ink:#292a32;
  --blue:#26355f;
  --white:#fff;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{color:var(--blue)}
img{max-width:100%;height:auto;display:block}
.container{width:min(94%,var(--max));margin:auto}
.topbar{background:var(--navy);color:#fff;text-align:center;font-size:.9rem;padding:7px 15px}
header{background:var(--cream);border-bottom:1px solid #e3d9b8;position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;gap:22px;min-height:74px}
.brand{font-weight:900;font-size:2rem;letter-spacing:-2px;color:var(--navy);text-decoration:none;white-space:nowrap}
.brand span{color:var(--gold)}
.navlinks{display:flex;align-items:center;gap:18px;margin-left:auto;flex-wrap:wrap}
.navlinks a{color:var(--navy);text-decoration:none;font-weight:700;font-size:.96rem}
.navlinks a:hover{color:#9a7717}
.menu{display:none;background:none;border:0;font-size:1.8rem;color:var(--navy)}
.hero{background:var(--cream);padding:26px 0 40px}
.hero img{width:100%;border-radius:3px;box-shadow:0 8px 25px rgba(0,0,0,.12)}
.hero h1{font-size:clamp(2rem,5vw,3.4rem);color:var(--navy);margin:30px 0 10px}
.hero p{font-size:1.15rem;max-width:800px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:38px 0}
.card{border:1px solid #e7e1d0;background:#fff;padding:24px;border-radius:4px;box-shadow:0 4px 16px rgba(0,0,0,.06)}
.card h3{margin-top:0;color:var(--navy)}
.btn{display:inline-block;background:var(--navy);color:#fff!important;text-decoration:none;padding:11px 18px;border-radius:3px;font-weight:700;margin-top:10px}
.btn.gold{background:var(--gold);color:var(--navy)!important}
.page{padding:42px 0 70px}
.page h1,.page h2{color:var(--navy);line-height:1.2}
.page h1{font-size:2.7rem;margin-top:0}
.page h2{font-size:1.65rem;margin-top:34px}
.page ul,.page ol{padding-left:25px}
.callout{background:var(--cream);border-left:5px solid var(--gold);padding:22px 25px;margin:28px 0}
.photo{margin:25px 0}
.photo img{border-radius:4px}
.caption{font-size:.9rem;color:#666;margin-top:7px}
.steps{counter-reset:step;display:grid;gap:15px}
.step{background:#faf8ef;border:1px solid #ebe2c6;padding:18px 20px 18px 60px;position:relative}
.step:before{counter-increment:step;content:counter(step);position:absolute;left:18px;top:17px;background:var(--gold);color:var(--navy);width:30px;height:30px;border-radius:50%;display:grid;place-items:center;font-weight:900}
.fees{width:100%;border-collapse:collapse;margin:20px 0}
.fees th,.fees td{border:1px solid #ddd;padding:12px;text-align:left}
.fees th{background:var(--cream);color:var(--navy)}
footer{background:var(--navy);color:#fff;padding:38px 0;margin-top:0}
footer a{color:#fff}
.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.small{font-size:.9rem}
@media(max-width:850px){
 .navlinks{display:none}.menu{display:block;margin-left:auto}
 .nav.mobile-open .navlinks{display:flex;position:absolute;left:0;right:0;top:74px;background:var(--cream);padding:18px 5%;flex-direction:column;align-items:flex-start;border-bottom:1px solid #ddd}
 .grid,.footergrid{grid-template-columns:1fr}
 .brand{font-size:1.7rem}
}

.dropdown{position:relative;display:inline-block}.dropdown-content{display:none;position:absolute;top:100%;left:0;min-width:245px;background:var(--cream);border:1px solid #e3d9b8;box-shadow:0 7px 18px rgba(0,0,0,.12);z-index:50;padding:7px 0}.dropdown-content a{display:block;padding:8px 14px;white-space:nowrap}.dropdown:hover .dropdown-content,.dropdown:focus-within .dropdown-content{display:block}@media(max-width:850px){.dropdown{width:100%}.dropdown-content{position:static;display:block;box-shadow:none;border:0;border-left:3px solid var(--gold);margin:5px 0 5px 10px;padding:0}.dropdown-content a{padding:7px 12px}}

/* Applications dropdown - shared on every page */
.dropdown{position:relative;display:inline-block}
.dropdown .dropbtn{display:block;cursor:pointer}
.dropdown-content{
  display:none;
  position:absolute;
  top:100%;
  left:0;
  min-width:255px;
  background:var(--cream);
  border:1px solid #e3d9b8;
  box-shadow:0 7px 18px rgba(0,0,0,.14);
  z-index:1000;
  padding:7px 0;
}
.dropdown-content a{
  display:block;
  padding:9px 15px;
  white-space:nowrap;
}
.dropdown:hover .dropdown-content,
.dropdown:focus-within .dropdown-content,
.dropdown.open .dropdown-content{display:block}
@media(max-width:850px){
  .dropdown{width:100%}
  .dropdown .dropbtn{width:100%}
  .dropdown-content{
    position:static;
    min-width:0;
    display:none;
    box-shadow:none;
    border:0;
    border-left:3px solid var(--gold);
    margin:5px 0 5px 10px;
    padding:0;
  }
  .dropdown.open .dropdown-content{display:block}
  .dropdown-content a{padding:7px 12px;white-space:normal}
}