:root{
  --navy:#1B2A4A; --navy-2:#22335a; --gold:#C9A24B; --gold-2:#E0BE63;
  --ink:#2A3342; --muted:#5A6678; --line:#E4E9EF; --bg:#ffffff; --bg-soft:#F5F8FB;
  --max:1160px; --r:14px; --shadow:0 10px 30px rgba(27,42,74,.08);
  --shadow-lg:0 24px 60px rgba(27,42,74,.14);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,Segoe UI,Arial,sans-serif;color:var(--ink);
  line-height:1.65;background:var(--bg);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:'Poppins',Inter,sans-serif;color:var(--navy);line-height:1.18;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.5rem)}
h2{font-size:clamp(1.6rem,3.2vw,2.4rem)}
h3{font-size:1.18rem}
p{color:var(--muted)}
.eyebrow{font-family:'Poppins',sans-serif;text-transform:uppercase;letter-spacing:.18em;
  font-size:.78rem;font-weight:600;color:var(--gold)}
.section{padding:84px 0}
.section.soft{background:var(--bg-soft)}
.center{text-align:center}
.lead{font-size:1.12rem;max-width:680px}
.center .lead{margin-left:auto;margin-right:auto}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:'Poppins',sans-serif;
  font-weight:600;font-size:.95rem;padding:14px 26px;border-radius:999px;border:2px solid transparent;
  cursor:pointer;transition:.18s ease;white-space:nowrap}
.btn-gold{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#3a2c08}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 24px rgba(201,162,75,.35)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);transform:translateY(-2px)}
.btn-ghost{border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:96px}
.brand{display:flex;align-items:center;gap:14px;font-family:'Poppins',sans-serif;font-weight:700;
  color:var(--navy);font-size:1.5rem}
.brand img{height:62px;width:62px}
.brand small{display:block;font-size:.66rem;letter-spacing:.24em;color:var(--muted);font-weight:600;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:30px}
.nav-links a{font-weight:500;color:var(--ink);font-size:.96rem;transition:.15s}
.nav-links a:hover,.nav-links a.active{color:var(--navy)}
.nav-links a.active{position:relative}
.nav-links a.active::after{content:"";position:absolute;left:0;bottom:-6px;width:100%;height:2px;background:var(--gold)}
.nav .btn{padding:10px 20px}
.menu-toggle{display:none;background:none;border:0;cursor:pointer}
.menu-toggle span{display:block;width:26px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}

/* hero */
.hero{position:relative;color:#fff;overflow:hidden;
  background:linear-gradient(160deg,rgba(21,34,61,.93),rgba(27,42,74,.86) 55%,rgba(36,58,102,.80)),url('hero.jpg');
  background-size:cover;background-position:center}
.hero::after{content:"";position:absolute;right:-160px;top:-120px;width:520px;height:520px;
  background:radial-gradient(circle,rgba(201,162,75,.25),transparent 65%)}
.hero .wrap{position:relative;z-index:2;padding:96px 24px}
.hero h1{color:#fff;max-width:760px}
.hero p{color:#cdd6e6;max-width:600px;font-size:1.14rem;margin-top:18px}
.hero .cta{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap}
.hero .trust{margin-top:40px;display:flex;gap:28px;flex-wrap:wrap;color:#aebbd2;font-size:.9rem}
.hero .trust b{color:var(--gold-2)}

/* grid + cards */
.grid{display:grid;gap:26px}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.g-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;transition:.2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#d8e0ea}
.card .ic{width:52px;height:52px;border-radius:12px;display:grid;place-items:center;
  background:linear-gradient(135deg,#eef2f8,#fff);border:1px solid var(--line);margin-bottom:16px}
.card h3{margin-bottom:8px}
.card p{font-size:.96rem}
/* photo at top of a card (bleeds to card edges) */
.card .card-img{width:calc(100% + 60px);height:188px;object-fit:cover;display:block;
  margin:-30px -30px 18px;border-radius:14px 14px 0 0}
.media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}

/* feature row */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}
.media{border-radius:18px;min-height:340px;background:
  linear-gradient(135deg,#1B2A4A,#33508c);position:relative;overflow:hidden;box-shadow:var(--shadow)}
.media.navy{background:linear-gradient(135deg,#1B2A4A,#33508c)}
.media-tag{position:absolute;inset:auto 0 0 0;padding:20px 24px;color:#fff;
  background:linear-gradient(0deg,rgba(0,0,0,.45),transparent)}

/* checklist */
.checks{list-style:none;display:grid;gap:14px;margin-top:8px}
.checks li{display:flex;gap:12px;align-items:flex-start;color:var(--ink)}
.checks .tick{flex:none;width:24px;height:24px;border-radius:50%;background:var(--gold);
  color:#3a2c08;display:grid;place-items:center;font-size:.8rem;font-weight:700;margin-top:2px}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat .n{font-family:'Poppins',sans-serif;font-size:2.4rem;font-weight:700;color:var(--navy)}
.stat .l{color:var(--muted);font-size:.92rem}

/* steps */
.steps{counter-reset:s;display:grid;gap:22px}
.step{display:flex;gap:18px;align-items:flex-start}
.step .num{counter-increment:s;flex:none;width:44px;height:44px;border-radius:50%;
  background:var(--navy);color:#fff;display:grid;place-items:center;font-family:'Poppins';font-weight:700}
.step .num::before{content:counter(s)}

/* CTA band */
.cta-band{background:linear-gradient(135deg,#1B2A4A,#28406f);color:#fff;border-radius:22px;
  padding:54px;text-align:center;box-shadow:var(--shadow-lg)}
.cta-band h2{color:#fff}
.cta-band p{color:#cdd6e6;max-width:560px;margin:12px auto 26px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:46px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;color:var(--navy);font-size:.9rem;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:13px 15px;border:1px solid var(--line);
  border-radius:10px;font:inherit;color:var(--ink);background:#fff;transition:.15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);
  box-shadow:0 0 0 3px rgba(201,162,75,.18)}
.info-item{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px}
.info-item .ic{flex:none;width:44px;height:44px;border-radius:11px;background:var(--bg-soft);
  display:grid;place-items:center;color:var(--navy)}
.info-item b{color:var(--navy);font-family:'Poppins'}
.placeholder{color:var(--gold);font-style:italic}

/* page header */
.page-head{background:linear-gradient(160deg,#15223d,#1B2A4A);color:#fff;padding:70px 0}
.page-head h1{color:#fff}
.page-head p{color:#cdd6e6;max-width:620px;margin-top:10px}
.crumbs{color:#9fb0cc;font-size:.85rem;margin-bottom:14px}
.crumbs a:hover{color:var(--gold-2)}

/* footer */
.footer{background:#13203a;color:#aebbd2;padding:60px 0 26px}
.footer h4{color:#fff;font-family:'Poppins';font-size:1rem;margin-bottom:16px}
.footer a{color:#aebbd2;font-size:.93rem;line-height:2}
.footer a:hover{color:var(--gold-2)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px}
.foot-brand{display:flex;align-items:center;gap:12px;color:#fff;font-family:'Poppins';font-weight:700;font-size:1.15rem;margin-bottom:14px}
.foot-brand img{height:54px;width:54px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.85rem;color:#8294b3}

/* responsive */
@media(max-width:900px){
  .g-3,.g-4{grid-template-columns:repeat(2,1fr)}
  .split,.contact-grid{grid-template-columns:1fr;gap:32px}
  .stats{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav-links{position:fixed;inset:96px 0 auto 0;background:#fff;flex-direction:column;
    gap:0;padding:10px 24px 24px;border-bottom:1px solid var(--line);display:none}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 0;width:100%;border-bottom:1px solid var(--line)}
  .nav-links .btn{margin-top:12px;justify-content:center}
  .menu-toggle{display:block}
}
@media(max-width:560px){
  .g-2,.g-3,.g-4,.stats{grid-template-columns:1fr}
  .cta-band{padding:36px 24px}
  .section{padding:60px 0}
}