:root{--brand-primary:#244C89;--brand-primary-dark:#173057;--brand-primary-light:#E1EBF7;--brand-secondary:#64869B;--brand-accent:#E7A43A;--brand-neutral-dark:#173344;--brand-neutral-mid:#617382;--brand-neutral-light:#F2F6F8;--brand-bg:#FFFFFF;--brand-bg-alt:#F2F6F8;--brand-text:#173344;--brand-text-secondary:#617382;--brand-text-inverse:#FFFFFF;--brand-border:#D7E0E6;--brand-success:#22C55E;--brand-warning:#F59E0B;--brand-danger:#EF4444;--brand-radius:12px;--brand-font:Inter,"Segoe UI",Arial,sans-serif}*{box-sizing:border-box}body{margin:0;color:#173344;color:var(--brand-text);font-family:Inter,"Segoe UI",Arial,sans-serif;font-family:var(--brand-font);line-height:1.7;background:#fff;background:var(--brand-bg)}img{max-width:100%}h1,h2,h3{color:#173344;color:var(--brand-text);font-weight:750;line-height:1.16}h1{font-size:max(2rem, min(4vw, 3.5rem))}h2{font-size:max(1.75rem, min(3vw, 2.6rem))}a{color:#244c89;color:var(--brand-primary)}.btn{border-radius:12px;border-radius:var(--brand-radius);font-weight:700;padding:.72rem 1.15rem}.btn-warning{background:#e7a43a;background:var(--brand-accent);border-color:#e7a43a;border-color:var(--brand-accent);color:#173344;color:var(--brand-neutral-dark)}.phoe-nav{min-height:80px;background:#173057;background:var(--brand-primary-dark);position:relative;z-index:10}.phoe-nav .navbar-brand img{width:180px;height:40px;-o-object-fit:contain;object-fit:contain}.phoe-nav .nav-link,.phoe-nav .nav-link.active{color:#fff;color:var(--brand-text-inverse);padding:.7rem .65rem}.phoe-nav .nav-link:hover{color:#e7a43a;color:var(--brand-accent)}.phoe-nav .navbar-toggler{background:#fff;background:var(--brand-bg)}.phoe-footer{background:#173344;background:var(--brand-neutral-dark);padding-top:64px;color:#fff;color:var(--brand-text-inverse)}.phoe-footer a,.phoe-footer h2,.phoe-footer h3,.phoe-footer p{color:#fff;color:var(--brand-text-inverse)}.phoe-footer h3{font-size:1rem}.phoe-footer a{display:block;-webkit-text-decoration:none;text-decoration:none;margin:.45rem 0}.phoe-footer-cta{background:#244c89;background:var(--brand-primary);padding:48px 0}.phoe-footer-cta h2{margin:0}.phoe-footer-cta p{margin:6px 0 0}.phoe-copyright{border-top:1px solid rgba(255,255,255,.2);margin-top:36px;padding:24px 0}.modal-dialog{max-width:560px}.section-head{text-align:center;max-width:720px;margin:0 auto 40px}.phoe-eyebrow,.section-head>span{color:#244c89;color:var(--brand-primary);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.82rem}.section-head p{color:#173344;color:var(--brand-text)}@media (max-width:991px){.phoe-nav .navbar-collapse{padding:18px 0}.phoe-footer{padding-top:48px}}