:root{
  --navy:#0b1f4b; --navy-2:#12285e; --blue:#1f5fbf; --gold:#e5a823; --gold-2:#f3c350;
  --cream:#faf7f0; --ink:#1c2540; --muted:#5b6482; --white:#fff;
  --radius:14px; --shadow:0 8px 28px rgba(11,31,75,.14);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.2;color:var(--navy)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* header */
.site-header{background:var(--navy);position:sticky;top:0;z-index:50;border-bottom:3px solid var(--gold)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.brand img{height:62px;width:auto}
.nav{display:flex;gap:6px;align-items:center}
.nav a{color:#fff;text-decoration:none;padding:9px 14px;border-radius:8px;font-weight:600;font-size:.95rem}
.nav a:hover{background:rgba(255,255,255,.1)}
.nav a.active{color:var(--gold-2)}
.nav a.cta{background:var(--gold);color:var(--navy)}
.nav a.cta:hover{background:var(--gold-2)}
.menu-btn{display:none;background:none;border:2px solid var(--gold);color:var(--gold);border-radius:8px;padding:6px 12px;font-size:1rem;cursor:pointer}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1b3b86 100%);color:#fff;padding:84px 0 96px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;left:-5%;right:-5%;bottom:-1px;height:46px;background:var(--white);border-radius:60% 60% 0 0/100% 100% 0 0}
.hero h1{color:#fff;font-size:clamp(2rem,5vw,3.4rem);max-width:760px}
.hero h1 span{color:var(--gold-2)}
.hero p{max-width:620px;margin-top:18px;font-size:1.15rem;color:#dbe3f7}
.hero .tag{display:inline-block;color:var(--gold-2);letter-spacing:.14em;text-transform:uppercase;font-weight:700;font-size:.8rem;margin-bottom:14px}
.page-hero{padding:60px 0 76px}
.btns{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 26px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid var(--gold);background:var(--gold);color:var(--navy);transition:.15s}
.btn:hover{background:var(--gold-2);transform:translateY(-1px)}
.btn.ghost{background:transparent;color:#fff}
.btn.ghost:hover{background:rgba(255,255,255,.1)}
.btn.dark{background:var(--navy);border-color:var(--navy);color:#fff}
.btn.dark:hover{background:var(--navy-2)}

/* sections */
section{padding:64px 0}
section.alt{background:var(--cream)}
.eyebrow{color:var(--gold);letter-spacing:.14em;text-transform:uppercase;font-weight:700;font-size:.8rem;margin-bottom:8px}
.sec-title{font-size:clamp(1.6rem,3.2vw,2.3rem);margin-bottom:12px}
.lead{color:var(--muted);max-width:680px;font-size:1.08rem}
.center{text-align:center}.center .lead{margin:0 auto}
.grid{display:grid;gap:22px;margin-top:36px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border-radius:var(--radius);padding:28px 24px;box-shadow:var(--shadow);border-top:4px solid var(--gold)}
.card h3{font-size:1.25rem;margin:12px 0 8px}
.card p,.card li{color:var(--muted);font-size:.98rem}
.card ul{margin:10px 0 0 18px}
.icon{width:54px;height:54px;border-radius:50%;background:var(--navy);color:var(--gold-2);display:grid;place-items:center;font-size:1.5rem;border:2px solid var(--gold)}
.card.navy{background:var(--navy);border-top-color:var(--gold)}
.card.navy h3{color:#fff}.card.navy p,.card.navy li{color:#cfd8f1}

/* split */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.photo{border-radius:var(--radius);background:linear-gradient(135deg,var(--navy-2),var(--blue));min-height:340px;display:grid;place-items:center;text-align:center;color:#fff;padding:24px;box-shadow:var(--shadow);border-bottom:6px solid var(--gold);overflow:hidden}
.photo img{width:100%;height:100%;object-fit:cover}
.photo small{display:block;color:var(--gold-2);margin-top:6px}
.checks{list-style:none;margin-top:16px}
.checks li{padding-left:30px;position:relative;margin:10px 0;color:var(--ink)}
.checks li::before{content:"✔";position:absolute;left:0;color:var(--gold);font-weight:700}

/* banner */
.banner{background:var(--navy);color:#fff;text-align:center;padding:56px 0}
.banner h2{color:#fff;font-size:clamp(1.5rem,3vw,2.1rem)}
.banner h2 span{color:var(--gold-2)}
.banner p{color:#cfd8f1;margin-top:10px}
.quote{font-family:Georgia,serif;font-style:italic;font-size:1.5rem;color:var(--navy);border-left:5px solid var(--gold);padding-left:20px;margin-top:20px}

/* contact */
.info li{list-style:none;margin:14px 0;display:flex;gap:12px}
.info b{color:var(--navy);min-width:78px}
form{display:grid;gap:14px}
label{font-weight:600;font-size:.9rem;color:var(--navy)}
input,select,textarea{width:100%;padding:12px 14px;border:1.5px solid #ccd3e6;border-radius:10px;font:inherit;margin-top:4px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(229,168,35,.25)}
textarea{min-height:130px;resize:vertical}
.note{font-size:.85rem;color:var(--muted)}

/* footer */
.site-footer{background:var(--navy);color:#cfd8f1;padding:48px 0 0;border-top:4px solid var(--gold)}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1.2fr;gap:32px}
.foot img{height:70px;width:auto;margin-bottom:10px}
.foot h4{color:var(--gold-2);margin-bottom:10px;font-size:.95rem;letter-spacing:.06em;text-transform:uppercase}
.foot a{display:block;text-decoration:none;margin:6px 0}
.foot a:hover{color:var(--gold-2)}
.disclaimer{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding:18px 0 26px;font-size:.82rem;color:#9fb0d8}

@media(max-width:900px){
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .split,.foot{grid-template-columns:1fr}
}
@media(max-width:680px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:79px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:3px solid var(--gold)}
  .nav.open{display:flex}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .hero{padding:60px 0 76px}
}