:root{
  --navy:#0B1F3A; --navy-2:#12294d; --navy-3:#081527;
  --gold:#C9A227; --gold-2:#E3C565; --gold-soft:#F5EEDC;
  --ink:#1e293b; --muted:#52607a; --line:#e2e8f0;
  --bg:#f8f7f4; --white:#ffffff;
  --radius:14px;
  --shadow:0 10px 30px rgba(11,31,58,.10);
  --font-head:'Libre Baskerville', Georgia, serif;
  --font-body:'Inter', 'Segoe UI', Arial, sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:var(--white);line-height:1.65;font-size:16px}
img{max-width:100%;display:block;border-radius:var(--radius)}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--gold)}
.container{width:min(1180px,92%);margin:0 auto}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy);line-height:1.25;font-weight:700}
.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:.7rem}
.section{padding:84px 0}
.section-tint{background:var(--bg)}
.section-navy{background:var(--navy);color:#dbe4f0}
.section-navy h2,.section-navy h3{color:#fff}
.lead{font-size:1.12rem;color:var(--muted);max-width:62ch}
.center{text-align:center}
.center .lead{margin:0 auto}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}

/* Buttons */
.btn{display:inline-block;padding:.85rem 1.9rem;border-radius:999px;font-weight:600;font-size:.95rem;cursor:pointer;border:2px solid transparent;transition:.25s;font-family:var(--font-body)}
.btn-gold{background:var(--gold);color:var(--navy-3);border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-2);border-color:var(--gold-2);color:var(--navy-3)}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-outline:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-2);color:#fff}

/* Top bar */
.topbar{background:var(--navy-3);color:#b9c6da;font-size:.82rem;padding:.45rem 0}
.topbar-inner{display:flex;justify-content:space-between;gap:1rem}
.topbar a{color:var(--gold-2)}
.topbar a:hover{color:#fff}

/* Header */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);box-shadow:0 2px 14px rgba(11,31,58,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:.8rem 0;gap:1rem}
.brand{display:flex;align-items:center;gap:.7rem}
.brand-mark{width:44px;height:44px;flex:none}
.brand-text{font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:1.15rem;line-height:1.05;display:flex;flex-direction:column}
.brand-text em{font-style:normal;color:var(--gold);letter-spacing:.28em;font-size:.82rem}
.brand-text small{font-family:var(--font-body);font-size:.58rem;letter-spacing:.5em;color:var(--muted);font-weight:600}
.main-nav ul{display:flex;align-items:center;gap:1.6rem;list-style:none}
.main-nav a{font-weight:600;font-size:.93rem;color:var(--ink)}
.main-nav a:hover,.main-nav a.active{color:var(--gold)}
.main-nav li{position:relative}
.main-nav .drop{position:absolute;top:calc(100% + 12px);left:0;background:#fff;min-width:230px;border-radius:12px;box-shadow:var(--shadow);padding:.6rem 0;opacity:0;visibility:hidden;transform:translateY(8px);transition:.22s;border:1px solid var(--line)}
.main-nav .drop li a{display:block;padding:.55rem 1.2rem;font-weight:500}
.main-nav .has-drop:hover .drop,.main-nav .has-drop:focus-within .drop{opacity:1;visibility:visible;transform:translateY(0)}
.nav-cta{padding:.55rem 1.4rem}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:.4rem}
.nav-toggle span{display:block;width:26px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}

/* Hero slider */
.hero-slider{position:relative;overflow:hidden;background:var(--navy-3)}
.slide{position:absolute;inset:0;opacity:0;transition:opacity .9s ease;z-index:1}
.slide.active{opacity:1;z-index:2}
.slide-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.42;border-radius:0}
.slide::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,21,39,.92) 0%,rgba(8,21,39,.55) 55%,rgba(8,21,39,.25) 100%)}
.slide-content{position:relative;z-index:3;max-width:1180px;margin:0 auto;width:92%;padding:120px 0 140px;color:#fff}
.slide-content h1{font-size:clamp(2rem,4.6vw,3.4rem);color:#fff;max-width:14ch;margin-bottom:1.1rem}
.slide-content h1 em{font-style:normal;color:var(--gold-2)}
.slide-content p{max-width:52ch;color:#d7e0ee;font-size:1.08rem;margin-bottom:1.8rem}
.hero-slider,.slider-track{min-height:520px}
.slider-nav{position:absolute;bottom:34px;left:0;right:0;z-index:5;display:flex;justify-content:space-between;align-items:center;max-width:1180px;margin:0 auto;width:92%}
.dots{display:flex;gap:.6rem}
.dot{width:12px;height:12px;border-radius:50%;background:rgba(255,255,255,.35);border:0;cursor:pointer;transition:.25s;padding:0}
.dot.active{background:var(--gold);transform:scale(1.2)}
.arrows{display:flex;gap:.6rem}
.arrow{width:44px;height:44px;border-radius:50%;border:1px solid rgba(255,255,255,.45);background:rgba(255,255,255,.08);color:#fff;font-size:1.15rem;cursor:pointer;transition:.25s}
.arrow:hover{background:var(--gold);color:var(--navy-3);border-color:var(--gold)}

/* Page hero */
.page-hero{position:relative;background:var(--navy);color:#fff;padding:96px 0;overflow:hidden}
.page-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.3;border-radius:0}
.page-hero .container{position:relative;z-index:2}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,3.6vw,2.8rem);margin-bottom:.6rem}
.page-hero h1 em{font-style:normal;color:var(--gold-2)}
.page-hero p{color:#cfd9e8;max-width:60ch}
.breadcrumb{font-size:.85rem;color:#9fb0c8;margin-bottom:1rem}
.breadcrumb a{color:var(--gold-2)}

/* Cards */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 4px 18px rgba(11,31,58,.06);transition:.28s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.card img{border-radius:0;height:200px;width:100%;object-fit:cover}
.card-body{padding:1.5rem 1.5rem 1.7rem}
.card h3{font-size:1.15rem;margin-bottom:.5rem}
.card p{color:var(--muted);font-size:.95rem;margin-bottom:1rem}
.card .link-arrow{font-weight:700;color:var(--gold);font-size:.9rem;letter-spacing:.04em}
.feature-card{padding:2rem 1.7rem}
.feature-card .icon{width:56px;height:56px;border-radius:14px;background:var(--gold-soft);display:grid;place-items:center;margin-bottom:1.1rem}
.feature-card .icon svg{width:28px;height:28px;fill:var(--gold)}

/* Stats */
.stats-band{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat .num{font-family:var(--font-head);font-size:clamp(2rem,4vw,2.9rem);color:var(--gold-2)}
.stat .lbl{color:#c6d2e4;font-size:.92rem;letter-spacing:.04em}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%);border-radius:20px;padding:56px;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-band h2{color:#fff;margin-bottom:.6rem}
.cta-band p{color:#cfd9e8;margin-bottom:1.6rem}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 85% 15%,rgba(201,162,39,.28),transparent 55%)}

/* Lists */
.tick-list{list-style:none;display:grid;gap:.7rem;margin:1.2rem 0}
.tick-list li{padding-left:2rem;position:relative;color:var(--muted)}
.tick-list li::before{content:"";position:absolute;left:0;top:.35rem;width:18px;height:18px;background:var(--gold);border-radius:50%;
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/contain no-repeat;
  mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/contain no-repeat}
.tick-list.light li{color:#c6d2e4}

/* Forms */
.form-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:2.4rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem 1.2rem}
.field{display:flex;flex-direction:column;gap:.35rem}
.field.full{grid-column:1/-1}
.field label{font-weight:600;font-size:.86rem;color:var(--navy)}
.field label .req{color:#c0392b}
.field input,.field select,.field textarea{padding:.8rem .95rem;border:1px solid var(--line);border-radius:10px;font-family:var(--font-body);font-size:.95rem;background:#fbfcfe;transition:.2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,39,.18);background:#fff}
.field .hint{font-size:.78rem;color:var(--muted)}
.field.error input,.field.error select{border-color:#c0392b;background:#fdf3f2}
.field .err-msg{font-size:.78rem;color:#c0392b;display:none}
.field.error .err-msg{display:block}
.form-section-title{grid-column:1/-1;font-family:var(--font-head);color:var(--navy);font-size:1.1rem;border-bottom:2px solid var(--gold-soft);padding-bottom:.5rem;margin-top:.8rem}
.checkbox-row{grid-column:1/-1;display:flex;flex-direction:column;gap:.7rem}
.checkbox-row label{display:flex;gap:.7rem;align-items:flex-start;font-size:.9rem;color:var(--muted);cursor:pointer}
.checkbox-row input{width:18px;height:18px;margin-top:.15rem;accent-color:var(--navy);flex:none}
.form-success{display:none;background:#eaf7ee;border:1px solid #b7e2c4;color:#1d6b38;border-radius:12px;padding:1.3rem 1.5rem;margin-top:1.2rem;font-weight:600}
.form-success.show{display:block}

/* FAQ */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.9rem;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:1.15rem 1.4rem;font-family:var(--font-head);font-size:1rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;font-weight:700}
.faq-q::after{content:"+";font-size:1.4rem;color:var(--gold);transition:.25s;flex:none}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-a p{padding:0 1.4rem 1.3rem;color:var(--muted);font-size:.95rem}

/* Quote */
.quote-block{border-left:4px solid var(--gold);padding:1.2rem 1.6rem;background:var(--gold-soft);border-radius:0 12px 12px 0;font-family:var(--font-head);font-style:italic;color:var(--navy);font-size:1.05rem;margin:1.4rem 0}
.quote-block footer{font-family:var(--font-body);font-style:normal;font-size:.85rem;color:var(--muted);margin-top:.5rem;font-weight:600}

/* Steps */
.step-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem 1.6rem;text-align:center;transition:.28s}
.step-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.step-num{width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--gold-2);font-family:var(--font-head);font-size:1.3rem;display:grid;place-items:center;margin:0 auto 1.1rem}
.step-card h3{font-size:1.08rem;margin-bottom:.5rem}
.step-card p{color:var(--muted);font-size:.92rem}

/* Contact */
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:0 4px 18px rgba(11,31,58,.06)}
.contact-card h3{margin-bottom:.8rem}
.contact-card p,.contact-card li{color:var(--muted);font-size:.95rem}
.contact-card ul{list-style:none;display:grid;gap:.6rem}

/* Footer */
.site-footer{background:var(--navy-3);color:#aebdd2;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding:64px 0 48px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:1.1rem;font-family:var(--font-body);font-weight:700;letter-spacing:.05em}
.footer-about{font-size:.9rem;margin-top:1rem;max-width:36ch}
.footer-links{list-style:none;display:grid;gap:.55rem;font-size:.9rem}
.footer-links a{color:#aebdd2}
.footer-links a:hover{color:var(--gold-2)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:1.2rem 0}
.footer-bottom-inner{display:flex;justify-content:space-between;gap:1rem;font-size:.78rem;color:#7e90ab;flex-wrap:wrap}
.footer-bottom a{color:#9fb0c8}
.brand-text.light{color:#fff}
.brand-text.light small{color:#8ea1bd}

/* Misc */
.img-frame{position:relative}
.img-frame::before{content:"";position:absolute;inset:-14px 14px 14px -14px;border:2px solid var(--gold);border-radius:var(--radius);z-index:-1}
.chip{display:inline-block;background:var(--gold-soft);color:var(--navy);border-radius:999px;padding:.3rem .95rem;font-size:.8rem;font-weight:600;margin:.2rem .25rem .2rem 0}
.notice{background:var(--gold-soft);border:1px solid #eadfbe;border-radius:12px;padding:1.1rem 1.4rem;font-size:.9rem;color:#6b5d2e;margin-top:1.4rem}
.prose p{color:var(--muted);margin-bottom:1.1rem;max-width:70ch}
.prose h2{margin:2rem 0 1rem}
.prose h3{margin:1.6rem 0 .8rem}
.prose ul{margin:0 0 1.1rem 1.3rem;color:var(--muted)}

/* Responsive */
@media (max-width:1020px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .stats-band{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
  .nav-toggle{display:block}
  .main-nav{position:absolute;top:100%;left:0;right:0;background:#fff;box-shadow:var(--shadow);display:none;border-top:1px solid var(--line)}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:0;padding:.6rem 0}
  .main-nav li a{display:block;padding:.85rem 6%}
  .main-nav .drop{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 0 1.4rem;display:none;min-width:0}
  .main-nav .has-drop.open .drop{display:block}
  .grid-2{grid-template-columns:1fr;gap:36px}
  .section{padding:60px 0}
  .cta-band{padding:40px 24px}
  .form-grid{grid-template-columns:1fr}
  .slide-content{padding:80px 0 120px}
}
@media (max-width:560px){
  .grid-3,.grid-4{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .hide-sm{display:none}
  .stats-band{grid-template-columns:1fr 1fr;gap:16px}
}