/* Set 1: centered corporate single-column, navy + gold, serif headings */
:root {
  --ink: #102033;
  --navy: #0b1f3a;
  --gold: #c9a227;
  --cream: #f6f2e8;
  --paper: #fffdf8;
  --line: #d8d0bc;
  --muted: #5c6570;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: auto; }
body {
  font-family: "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.75;
  font-size: 16px;
}
.topbar {
  background: var(--navy);
  color: #fff;
  text-align: center;
  padding: 14px 20px 0;
}
.brand {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 28px;
  letter-spacing: 0.12em;
  display: inline-block;
  padding: 8px 0 16px;
}
.brand svg { vertical-align: -6px; margin-right: 8px; }
nav {
  display: flex;
  justify-content: center;
  gap: 0;
  border-top: 1px solid rgba(201,162,39,0.35);
}
nav a {
  color: #e8e2d4;
  text-decoration: none;
  padding: 12px 28px;
  font-size: 14px;
  letter-spacing: 0.08em;
}
nav a.active,
nav a:hover {
  color: var(--gold);
  border-bottom: 2px solid var(--gold);
}
.wrap {
  max-width: 820px;
  margin: 0 auto;
  padding: 36px 22px 64px;
}
.hero {
  text-align: center;
  padding: 28px 10px 36px;
  border-bottom: 2px solid var(--gold);
  margin-bottom: 36px;
}
.hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 30px;
  line-height: 1.4;
  margin-bottom: 16px;
}
.hero .lead { color: var(--muted); margin-bottom: 22px; }
.btn-dl {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  text-decoration: none;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 2px;
  letter-spacing: 0.04em;
}
.btn-dl:hover { background: #d4b03a; }
.btn-sub {
  display: inline-block;
  margin-left: 12px;
  color: var(--navy);
  border-bottom: 1px solid var(--gold);
  text-decoration: none;
  padding: 14px 4px;
}
section {
  background: var(--paper);
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  padding: 22px 24px 26px;
  margin: 0 0 22px;
}
h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 21px;
  margin-bottom: 12px;
  color: var(--navy);
}
p { margin-bottom: 12px; }
ul, ol { margin: 0 0 12px 1.3em; }
li { margin-bottom: 6px; }
.facts {
  display: block;
}
.facts article {
  padding: 10px 0;
  border-top: 1px dashed var(--line);
}
.facts article:first-child { border-top: 0; }
.facts h3 {
  font-size: 16px;
  margin-bottom: 6px;
  color: var(--navy);
}
.faq-item {
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
}
.faq-item h3 {
  font-size: 16px;
  margin-bottom: 8px;
}
.cta-band {
  text-align: center;
  padding: 20px 0 8px;
}
footer {
  background: var(--navy);
  color: #d7d2c6;
  padding: 28px 22px 36px;
  font-size: 13px;
  line-height: 1.8;
}
footer .foot-inner { max-width: 820px; margin: 0 auto; }
footer nav {
  border-top: 0;
  margin-bottom: 16px;
  justify-content: flex-start;
}
footer nav a { color: #e8e2d4; padding: 0 16px 0 0; }
.note { color: #b9b3a6; }
@media (max-width: 640px) {
  .hero h1 { font-size: 24px; }
  nav a { padding: 12px 12px; }
  .btn-sub { display: block; margin: 12px 0 0; }
}