footer{background:var(--navy);padding:64px 0 40px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}.footer-brand{font-family:var(--serif);font-size:28px;font-weight:500;color:var(--white);display:block;margin-bottom:12px}.footer-brand em{color:var(--gold);font-style:italic}.footer-tagline{font-size:13px;color:rgb(255 255 255 / .38);line-height:1.6;margin-bottom:20px}.footer-contact p{font-size:13px;color:rgb(255 255 255 / .38);margin-bottom:5px;line-height:1.5}.footer-contact a{color:var(--gold);text-decoration:none;font-weight:600}.footer-heading{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);display:block;margin-bottom:16px}.footer-links{list-style:none}.footer-links li{margin-bottom:9px}.footer-links a{font-size:13px;color:rgb(255 255 255 / .42);text-decoration:none;transition:color 0.2s}.footer-links a:hover{color:var(--gold)}.footer-bottom{border-top:1px solid rgb(255 255 255 / .08);padding-top:28px;display:flex;justify-content:space-between;align-items:center}.footer-copy{font-size:12px;color:rgb(255 255 255 / .22)}.footer-legal{display:flex;gap:20px}.footer-legal a{font-size:12px;color:rgb(255 255 255 / .22);text-decoration:none}.footer-legal a:hover{color:rgb(255 255 255 / .5)}.form-field{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:2px;font-family:var(--sans);font-size:14px;color:var(--text-dark);background:var(--cream);margin-bottom:10px;outline:none;transition:border-color 0.2s}.form-field:focus{border-color:var(--navy)}.btn-navy{width:100%;background:var(--navy);color:var(--white);border:none;border-radius:2px;padding:16px;font-size:13px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;cursor:pointer;transition:background 0.2s;text-decoration:none;display:block;text-align:center}.btn-navy:hover{background:var(--navy-deep)}.btn-ghost{font-size:12px;color:var(--text-muted);text-align:center;margin-top:14px;cursor:pointer;text-decoration:underline;display:block;background:none;border:none}.btn-ghost:hover{color:var(--navy)}.secure{font-size:11px;color:var(--text-muted);text-align:center;margin-top:14px}.tick-list{list-style:none}.tick-list li{font-size:15px;color:var(--text-mid);padding:9px 0 9px 26px;position:relative;border-bottom:1px solid rgb(27 45 115 / .07);line-height:1.6}.tick-list li:last-child{border-bottom:none}.tick-list li::before{content:"";position:absolute;left:0;top:13px;width:16px;height:16px;border-radius:50%;background:var(--navy);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpolyline points='2,6 5,9 10,3' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-size:10px;background-position:center;background-repeat:no-repeat}.bn-hero{background:var(--white);border-bottom:1px solid var(--border);padding:72px 0 80px}.bn-grid{display:grid;grid-template-columns:1fr 400px;gap:64px;align-items:start}.bn-h1{font-family:var(--serif);font-size:44px;font-weight:600;color:var(--navy);line-height:1.15;margin-bottom:20px}.bn-h1 em{color:var(--gold);font-style:italic}.bn-form-box{background:var(--cream);border:1px solid var(--border);border-radius:3px;padding:32px;position:sticky;top:110px}.bn-form-box h3{font-family:var(--serif);font-size:24px;color:var(--navy);margin-bottom:6px}.bn-form-box p{font-size:14px;color:var(--text-muted);margin-bottom:20px}.bn-disclaimer{font-size:11px;color:var(--text-muted);margin-top:12px;line-height:1.6;text-align:center}.bn-foot{background:var(--cream-dark);border-top:1px solid var(--border);padding:36px 0;text-align:center}.bn-foot p{font-size:15px;color:var(--text-muted)}.bn-foot a{color:var(--navy);font-weight:700;text-decoration:none}@media (max-width:1024px){.bn-grid{gap:40px}}@media (max-width:768px){.bn-h1{font-size:34px}.bn-grid{grid-template-columns:1fr;gap:32px}}