:root {
  --navy: #0e2a47;
  --navy-dark: #091d33;
  --gold: #c9a24b;
  --gold-light: #e2c98a;
  --ink: #1c2733;
  --muted: #5a6a7a;
  --bg: #ffffff;
  --bg-soft: #f5f7fa;
  --border: #e3e8ee;
  --radius: 10px;
  --max: 1120px;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
h1, h2, h3, h4 { font-family: "Playfair Display", Georgia, serif; color: var(--navy); line-height: 1.2; }
img { max-width: 100%; }
a { color: var(--navy); }
.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

/* Header */
header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark {
  width: 44px; height: 44px; border-radius: 8px;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: "Playfair Display", serif; font-weight: 700; font-size: 20px;
}
.brand-name { font-family: "Playfair Display", serif; font-weight: 700; color: var(--navy); font-size: 18px; line-height: 1.15; }
.brand-name small { display: block; font-family: "Source Sans 3", sans-serif; font-weight: 600; font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
nav.links { display: flex; gap: 28px; align-items: center; }
nav.links a { text-decoration: none; font-weight: 600; font-size: 15px; color: var(--ink); }
nav.links a:hover, nav.links a.active { color: var(--navy); border-bottom: 2px solid var(--gold); }
.btn {
  display: inline-block; padding: 12px 26px; border-radius: 6px;
  background: var(--navy); color: #fff !important; text-decoration: none;
  font-weight: 600; font-size: 15px; border: none; cursor: pointer;
  transition: background .15s;
}
.btn:hover { background: var(--navy-dark); border-bottom: none !important; }
.btn.gold { background: var(--gold); color: var(--navy-dark) !important; }
.btn.gold:hover { background: var(--gold-light); }
.btn.outline { background: transparent; border: 2px solid #fff; }
.btn.outline:hover { background: rgba(255,255,255,.12); }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, #1b4368 100%);
  color: #fff; padding: 110px 0 100px; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -120px; top: -120px;
  width: 480px; height: 480px; border-radius: 50%;
  border: 1px solid rgba(201,162,75,.35);
}
.hero::before {
  content: ""; position: absolute; right: -40px; top: -40px;
  width: 480px; height: 480px; border-radius: 50%;
  border: 1px solid rgba(201,162,75,.2);
}
.hero .kicker { color: var(--gold-light); font-weight: 700; letter-spacing: .18em; text-transform: uppercase; font-size: 13px; margin-bottom: 18px; }
.hero h1 { color: #fff; font-size: clamp(34px, 5vw, 54px); max-width: 760px; margin-bottom: 22px; }
.hero p { max-width: 640px; font-size: 19px; color: #d7e0ea; margin-bottom: 34px; }
.hero .actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* Sections */
section { padding: 84px 0; }
section.soft { background: var(--bg-soft); }
.kicker { color: var(--gold); font-weight: 700; letter-spacing: .18em; text-transform: uppercase; font-size: 13px; margin-bottom: 12px; }
.section-title { font-size: clamp(28px, 3.6vw, 38px); margin-bottom: 18px; }
.lede { font-size: 18px; color: var(--muted); max-width: 780px; }

/* Cards */
.grid { display: grid; gap: 28px; margin-top: 48px; }
.grid.cols-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid.cols-2 { grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); }
.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 34px 30px; box-shadow: 0 1px 3px rgba(14,42,71,.05);
}
.card .icon {
  width: 52px; height: 52px; border-radius: 10px; margin-bottom: 20px;
  background: #eef3f8; color: var(--navy);
  display: flex; align-items: center; justify-content: center; font-size: 24px;
}
.card h3 { font-size: 21px; margin-bottom: 12px; }
.card p { color: var(--muted); font-size: 16px; }

/* Stats band */
.band { background: var(--navy); color: #fff; padding: 56px 0; }
.band .grid { margin-top: 0; text-align: center; }
.band .stat b { display: block; font-family: "Playfair Display", serif; font-size: 40px; color: var(--gold-light); }
.band .stat span { color: #c3d0dd; font-size: 15px; }

/* Lists */
.checklist { list-style: none; margin-top: 24px; }
.checklist li { padding-left: 34px; position: relative; margin-bottom: 16px; color: var(--ink); }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  width: 24px; height: 24px; border-radius: 50%; font-size: 13px;
  background: var(--gold); color: var(--navy-dark); font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.checklist b { color: var(--navy); }

/* Two-column feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; } }

/* CTA */
.cta {
  background: linear-gradient(120deg, var(--navy-dark), var(--navy));
  color: #fff; text-align: center; border-radius: 16px; padding: 64px 32px;
}
.cta h2 { color: #fff; font-size: clamp(26px, 3.4vw, 36px); margin-bottom: 14px; }
.cta p { color: #cfdae5; max-width: 560px; margin: 0 auto 30px; }

/* Contact */
.contact-info div { margin-bottom: 22px; }
.contact-info b { color: var(--navy); display: block; margin-bottom: 2px; }
form .field { margin-bottom: 18px; }
form label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 6px; color: var(--navy); }
form input, form textarea, form select {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border);
  border-radius: 6px; font: inherit; font-size: 15px; background: #fff;
}
form input:focus, form textarea:focus { outline: 2px solid var(--gold); border-color: var(--gold); }

/* Footer */
footer { background: var(--navy-dark); color: #a9bccd; padding: 56px 0 32px; font-size: 15px; }
footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
@media (max-width: 720px) { footer .cols { grid-template-columns: 1fr; } }
footer h4 { color: #fff; font-family: "Source Sans 3", sans-serif; font-size: 14px; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 16px; }
footer a { color: #c9d6e2; text-decoration: none; display: block; margin-bottom: 10px; }
footer a:hover { color: var(--gold-light); }
footer .fineprint { border-top: 1px solid rgba(255,255,255,.12); padding-top: 24px; font-size: 13px; color: #7f93a8; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }

/* Mobile nav */
.menu-toggle { display: none; background: none; border: none; font-size: 26px; color: var(--navy); cursor: pointer; }
@media (max-width: 820px) {
  nav.links { display: none; position: absolute; top: 76px; left: 0; right: 0; background: #fff; flex-direction: column; padding: 20px 24px; gap: 18px; border-bottom: 1px solid var(--border); align-items: flex-start; }
  nav.links.open { display: flex; }
  .menu-toggle { display: block; }
}

/* Page hero (interior pages) */
.page-hero { background: linear-gradient(135deg, var(--navy-dark), var(--navy)); color: #fff; padding: 72px 0 64px; }
.page-hero h1 { color: #fff; font-size: clamp(30px, 4.4vw, 46px); }
.page-hero p { color: #d7e0ea; max-width: 720px; margin-top: 16px; font-size: 18px; }