:root{
  --navy:#0b2545;
  --navy-2:#13315c;
  --gold:#f4b400;
  --gold-2:#e0a800;
  --bg:#f7f7f4;
  --text:#1a1a1a;
  --muted:#5b6472;
  --white:#ffffff;
  --card:#ffffff;
  --border:#e5e7eb;
  --shadow:0 10px 30px rgba(11,37,69,.08);
  --shadow-lg:0 20px 60px rgba(11,37,69,.15);
  --radius:14px;
  --maxw:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Source Sans 3','Segoe UI',system-ui,-apple-system,sans-serif;
  color:var(--text);background:var(--bg);line-height:1.65;font-size:17px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;color:var(--navy);line-height:1.2;font-weight:700}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.8rem,3.5vw,2.6rem);margin-bottom:.6em}
h3{font-size:1.35rem;margin-bottom:.4em}
p{margin-bottom:1em;color:#2a2f3a}
a{color:var(--navy-2);text-decoration:none;transition:color .2s}
a:hover{color:var(--gold-2)}
img{max-width:100%;display:block;height:auto}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* Header */
.topbar{background:var(--navy);color:#dbe3ee;font-size:.88rem}
.topbar .container{display:flex;justify-content:space-between;padding:8px 24px;flex-wrap:wrap;gap:8px}
.topbar a{color:#dbe3ee}
.topbar a:hover{color:var(--gold)}
header.site{
  position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);
  z-index:100;border-bottom:1px solid var(--border);
  transition:box-shadow .3s;
}
header.site.scrolled{box-shadow:var(--shadow)}
header .container{display:flex;align-items:center;justify-content:space-between;padding:16px 24px}
.brand{display:flex;align-items:center;gap:12px;font-family:'Playfair Display',serif;font-weight:700;color:var(--navy);font-size:1.2rem}
.brand img{width:44px;height:44px}
.brand small{display:block;font-family:'Source Sans 3',sans-serif;font-weight:400;font-size:.72rem;color:var(--muted);letter-spacing:.12em;text-transform:uppercase}
nav.main ul{display:flex;gap:28px;list-style:none;align-items:center}
nav.main a{color:var(--navy);font-weight:600;font-size:.95rem;position:relative;padding:6px 0}
nav.main a::after{content:"";position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--gold);transition:width .3s}
nav.main a:hover::after,nav.main a.active::after{width:100%}
.btn{
  display:inline-block;padding:13px 26px;border-radius:8px;font-weight:700;
  background:var(--gold);color:var(--navy);border:2px solid var(--gold);
  transition:all .25s;cursor:pointer;letter-spacing:.02em;
}
.btn:hover{background:var(--gold-2);transform:translateY(-2px);box-shadow:0 8px 20px rgba(244,180,0,.35);color:var(--navy)}
.btn-outline{background:transparent;color:var(--white);border-color:var(--white)}
.btn-outline:hover{background:var(--white);color:var(--navy)}
.btn-navy{background:var(--navy);color:var(--white);border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-2);color:var(--white)}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer}

/* Hero */
.hero{
  position:relative;min-height:78vh;display:flex;align-items:center;color:#fff;
  background:linear-gradient(135deg,rgba(11,37,69,.85),rgba(19,49,92,.7)),url('hero.jpg') center/cover no-repeat;
  overflow:hidden;
}
.hero::before{
  content:"";position:absolute;inset:0;background:
    radial-gradient(circle at 20% 30%,rgba(244,180,0,.15),transparent 40%);
  pointer-events:none;
}
.hero .container{position:relative;padding-top:80px;padding-bottom:100px;max-width:900px}
.hero h1{color:#fff;margin-bottom:20px}
.hero .kicker{display:inline-block;background:rgba(244,180,0,.2);color:var(--gold);padding:6px 16px;border-radius:30px;font-size:.85rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase;margin-bottom:20px;border:1px solid rgba(244,180,0,.4)}
.hero p.lead{font-size:1.2rem;color:#e6edf6;max-width:640px;margin-bottom:32px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:24px;margin-top:60px;padding-top:40px;border-top:1px solid rgba(255,255,255,.15)}
.stat b{display:block;font-family:'Playfair Display',serif;font-size:2.4rem;color:var(--gold);line-height:1}
.stat span{font-size:.9rem;color:#c8d3e2}

/* Sections */
section{padding:90px 0}
section.alt{background:#fff}
.section-head{text-align:center;max-width:720px;margin:0 auto 60px}
.section-head .eyebrow{color:var(--gold-2);font-weight:700;letter-spacing:.2em;text-transform:uppercase;font-size:.85rem;margin-bottom:12px;display:block}
.section-head p{color:var(--muted);font-size:1.08rem}

/* Cards */
.grid{display:grid;gap:28px}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.card{
  background:var(--card);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow);transition:transform .35s,box-shadow .35s;
  border:1px solid var(--border);
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.card .card-img{aspect-ratio:16/10;overflow:hidden;background:#eef}
.card .card-img img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.card:hover .card-img img{transform:scale(1.06)}
.card .card-body{padding:26px}
.card .card-body h3{color:var(--navy)}
.card .icon{
  width:56px;height:56px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-2));
  color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:16px;
}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow-lg)}
@media(max-width:820px){.split{grid-template-columns:1fr}}

/* Value pills */
.pills{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.pill{background:#eef2f8;color:var(--navy);padding:8px 16px;border-radius:30px;font-size:.9rem;font-weight:600}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:28px;counter-reset:step}
.step{position:relative;padding:32px 24px 24px;background:#fff;border-radius:var(--radius);border:1px solid var(--border);box-shadow:var(--shadow);transition:transform .3s}
.step:hover{transform:translateY(-4px)}
.step::before{
  counter-increment:step;content:counter(step,decimal-leading-zero);
  position:absolute;top:-18px;left:24px;background:var(--gold);color:var(--navy);
  font-family:'Playfair Display',serif;font-weight:700;font-size:1.1rem;
  width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  box-shadow:0 6px 14px rgba(244,180,0,.4);
}

/* Testimonials */
.testimonials{background:var(--navy);color:#fff}
.testimonials h2{color:#fff}
.testimonials .section-head p{color:#c8d3e2}
.t-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}
.t-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);padding:28px;border-radius:var(--radius);backdrop-filter:blur(6px)}
.t-card .stars{color:var(--gold);margin-bottom:12px;letter-spacing:.15em}
.t-card blockquote{font-style:italic;color:#e6edf6;margin-bottom:18px;font-size:1.02rem}
.t-card cite{font-style:normal;color:var(--gold);font-weight:700;display:block;font-size:.95rem}
.t-card cite span{color:#a9b6c9;font-weight:400;font-size:.85rem;display:block}

/* FAQ */
.faq{max-width:800px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;padding:20px 24px;margin-bottom:14px;transition:box-shadow .25s;cursor:pointer}
.faq details[open]{box-shadow:var(--shadow)}
.faq summary{font-weight:700;color:var(--navy);font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";color:var(--gold-2);font-size:1.5rem;font-weight:400;transition:transform .3s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin-top:14px;color:var(--muted)}

/* CTA */
.cta-band{
  background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;
  padding:70px 0;text-align:center;position:relative;overflow:hidden;
}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 50%,rgba(244,180,0,.15),transparent 50%)}
.cta-band .container{position:relative}
.cta-band h2{color:#fff;margin-bottom:16px}
.cta-band p{color:#dbe3ee;font-size:1.1rem;max-width:600px;margin:0 auto 28px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px}
@media(max-width:800px){.contact-grid{grid-template-columns:1fr}}
.info-item{display:flex;gap:16px;margin-bottom:22px;align-items:flex-start}
.info-item .ico{width:44px;height:44px;background:var(--navy);color:var(--gold);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.info-item b{color:var(--navy);display:block;margin-bottom:2px}
form.contact{background:#fff;padding:32px;border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid var(--border)}
form.contact label{display:block;font-weight:600;color:var(--navy);margin-bottom:6px;font-size:.92rem}
form.contact input,form.contact textarea,form.contact select{
  width:100%;padding:12px 14px;border:1px solid #d5dae2;border-radius:8px;font-family:inherit;font-size:1rem;margin-bottom:16px;
  background:#fafbfc;transition:border-color .2s,box-shadow .2s;
}
form.contact input:focus,form.contact textarea:focus,form.contact select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(244,180,0,.15)}
form.contact textarea{min-height:130px;resize:vertical}

/* Footer */
footer.site{background:#08192f;color:#a9b6c9;padding:70px 0 24px;font-size:.95rem}
footer.site h4{color:#fff;font-family:'Source Sans 3',sans-serif;font-size:1rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
footer.site a{color:#a9b6c9}
footer.site a:hover{color:var(--gold)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;margin-bottom:50px}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}
footer .brand{color:#fff;margin-bottom:16px}
footer .brand small{color:#7e8ba0}
footer ul{list-style:none}
footer ul li{margin-bottom:10px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.85rem;color:#7e8ba0}

/* Cookie banner */
.cookie{
  position:fixed;bottom:20px;left:20px;right:20px;max-width:520px;
  background:#fff;border:1px solid var(--border);border-radius:14px;
  padding:22px 24px;box-shadow:0 20px 50px rgba(0,0,0,.2);z-index:200;
  transform:translateY(120%);opacity:0;transition:all .5s cubic-bezier(.16,1,.3,1);
}
.cookie.show{transform:translateY(0);opacity:1}
.cookie h4{color:var(--navy);margin-bottom:8px;font-family:'Source Sans 3',sans-serif;font-size:1.05rem}
.cookie p{font-size:.9rem;color:var(--muted);margin-bottom:14px}
.cookie .row{display:flex;gap:10px;flex-wrap:wrap}
.cookie .btn{padding:10px 18px;font-size:.9rem}
.cookie .btn-ghost{background:transparent;color:var(--navy);border-color:var(--border)}
.cookie .btn-ghost:hover{background:#f0f2f5}

/* Fade / reveal */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .8s,transform .8s}
.reveal.in{opacity:1;transform:none}

/* Legal pages */
.legal{background:#fff;padding:80px 0}
.legal .container{max-width:820px}
.legal h1{margin-bottom:8px}
.legal .updated{color:var(--muted);font-size:.9rem;margin-bottom:36px}
.legal h2{font-size:1.5rem;margin-top:36px;margin-bottom:12px;color:var(--navy)}
.legal h3{font-size:1.15rem;margin-top:24px}
.legal ul{margin:12px 0 18px 24px}
.legal li{margin-bottom:6px}

/* Breadcrumb */
.crumb{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:60px 0 50px;text-align:center}
.crumb h1{color:#fff;margin-bottom:8px}
.crumb p{color:#c8d3e2;margin:0}
.crumb nav{color:#a9b6c9;font-size:.9rem;margin-top:14px}
.crumb nav a{color:var(--gold)}

/* Mobile nav */
@media(max-width:820px){
  .menu-toggle{display:block}
  nav.main{
    position:absolute;top:100%;left:0;right:0;background:#fff;border-top:1px solid var(--border);
    box-shadow:var(--shadow);max-height:0;overflow:hidden;transition:max-height .4s;
  }
  nav.main.open{max-height:500px}
  nav.main ul{flex-direction:column;padding:20px;gap:12px}
  nav.main a{padding:8px 0;display:block;width:100%}
  .hero{min-height:auto;padding:40px 0}
}