:root{
  --navy:#0b1f3a; --navy2:#12305a; --blue:#1d4f91; --gold:#c9a227; --gold-d:#a8851a;
  --ink:#16263a; --muted:#5b6b7e; --bg:#f4f6f9; --card:#fff; --line:#dde3ea;
  --w:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 "Segoe UI",system-ui,-apple-system,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.7rem,3vw,2.35rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
a{color:var(--blue)}
img{max-width:100%}
.wrap{max-width:var(--w);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}

/* top bar + header */
.topbar{background:var(--navy);color:#cfd9e6;font-size:.84rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font:700 1.35rem Georgia,serif}
.brand small{display:block;font:600 .64rem "Segoe UI",sans-serif;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-d)}
.brand svg{color:var(--gold)}
nav ul{list-style:none;display:flex;align-items:center;gap:6px;margin:0;padding:0}
nav a{display:block;padding:9px 14px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;border-radius:6px}
nav a:hover,nav a[aria-current]{color:var(--blue)}
nav a[aria-current]{box-shadow:inset 0 -3px 0 var(--gold)}
nav a.cta,.btn{background:var(--gold);color:var(--navy);padding:13px 26px;border-radius:6px;font-weight:700;text-decoration:none;border:2px solid var(--gold);cursor:pointer;font-size:1rem;display:inline-block;transition:.15s}
nav a.cta{padding:10px 18px;margin-left:8px;box-shadow:none}
nav a.cta:hover,.btn:hover{background:var(--gold-d);border-color:var(--gold-d);color:#fff}
.btn.outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.outline:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn.navy{background:var(--navy);border-color:var(--navy);color:#fff}
.btn.navy:hover{background:var(--blue);border-color:var(--blue)}
.btn.full{width:100%;text-align:center}
.menu-btn{display:none;background:none;border:1.5px solid var(--navy);color:var(--navy);padding:8px 16px;border-radius:6px;font:600 .9rem inherit;cursor:pointer}

/* hero */
.hero{position:relative;color:#fff;background:var(--navy) url("assets/hero.svg") center/cover no-repeat;padding:120px 0 130px}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,20,42,.92) 0%,rgba(6,20,42,.7) 55%,rgba(6,20,42,.35) 100%)}
.hero .wrap{position:relative}
.hero h1{color:#fff;max-width:17ch}
.hero p.lead{font-size:1.2rem;max-width:58ch;color:#d5dfec}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.eyebrow{font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;font-weight:700;color:var(--gold);margin-bottom:1em}
.page-hero{background:var(--navy) url("assets/hero.svg") center 70%/cover;position:relative;color:#fff;padding:76px 0}
.page-hero::before{content:"";position:absolute;inset:0;background:rgba(6,20,42,.86)}
.page-hero .wrap{position:relative}
.page-hero h1{color:#fff;font-size:clamp(2rem,4vw,3rem);margin-bottom:.3em}
.page-hero p{color:#cfd9e6;max-width:60ch;margin:0;font-size:1.1rem}

/* stats */
.stats{background:#fff;margin-top:-64px;position:relative;z-index:2}
.stats .grid{background:#fff;border-radius:10px;box-shadow:0 24px 60px -24px rgba(11,31,58,.45);display:grid;grid-template-columns:repeat(4,1fr);border-top:4px solid var(--gold)}
.stat{padding:30px 24px;text-align:center;border-right:1px solid var(--line)}
.stat:last-child{border:0}
.stat b{display:block;font:700 2.6rem Georgia,serif;color:var(--navy);line-height:1}
.stat span{color:var(--muted);font-size:.92rem}
.footnote{font-size:.8rem;color:var(--muted);margin-top:14px}

/* sections */
section.s{padding:88px 0}
section.s.grey{background:var(--bg)}
section.s.navy{background:var(--navy);color:#d5dfec}
section.s.navy h2,section.s.navy h3{color:#fff}
.head{max-width:680px;margin:0 auto 48px;text-align:center}
.head.left{margin-left:0;text-align:left}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:30px;transition:.2s}
.card:hover{transform:translateY(-4px);box-shadow:0 18px 40px -22px rgba(11,31,58,.5)}
.card p{color:var(--muted);margin:0}
.ico{width:48px;height:48px;border-radius:10px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:18px}
.ico svg{width:24px;height:24px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.panel{background:var(--navy);color:#d5dfec;border-radius:12px;padding:40px;border-left:5px solid var(--gold)}
.panel h3{color:#fff;font-size:1.5rem}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:8px 0 8px 32px;position:relative}
.checks li::before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;font-size:.8rem;display:grid;place-items:center}

/* steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px;position:relative;border-top:4px solid var(--gold)}
.steps li::before{content:"0" counter(s);font:700 2rem Georgia,serif;color:var(--gold-d);display:block;margin-bottom:6px}
.steps p{color:var(--muted);margin:0}

/* timeline */
.tl{position:relative;max-width:820px;margin:0 auto;padding-left:34px}
.tl::before{content:"";position:absolute;left:7px;top:6px;bottom:6px;width:2px;background:var(--line)}
.tl>div{position:relative;margin-bottom:34px}
.tl>div::before{content:"";position:absolute;left:-34px;top:6px;width:16px;height:16px;border-radius:50%;background:var(--gold);border:3px solid #fff;box-shadow:0 0 0 2px var(--gold)}
.tl b{font:700 .9rem "Segoe UI",sans-serif;letter-spacing:.12em;color:var(--gold-d)}
.tl h3{margin:.15em 0 .3em}
.tl p{color:var(--muted);margin:0}

/* cta band */
.band{background:linear-gradient(100deg,var(--navy),var(--navy2));color:#fff;padding:64px 0}
.band .wrap{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 .2em}.band p{margin:0;color:#cfd9e6}

/* flags */
.flags{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.flags li{background:rgba(255,255,255,.07);border-left:4px solid var(--gold);padding:14px 18px;border-radius:6px}

/* faq */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:18px 22px}
summary{cursor:pointer;font-weight:700;color:var(--navy)}
details p{margin:12px 0 0;color:var(--muted)}

/* contact / form */
.contact{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.info-list{list-style:none;padding:0;margin:24px 0}
.info-list li{padding:12px 0;border-bottom:1px solid var(--line)}
.info-list b{display:block;color:var(--navy)}
form,.success{background:#fff;border:1px solid var(--line);border-radius:12px;padding:34px;box-shadow:0 24px 60px -34px rgba(11,31,58,.5);border-top:4px solid var(--gold)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:16px}
input,select,textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;font:inherit;font-weight:400;border:1.5px solid var(--line);border-radius:6px;background:#fbfcfd;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(29,79,145,.25);border-color:var(--blue)}
.invalid{border-color:#c0392b!important}
.err{display:block;color:#c0392b;font-size:.8rem;font-weight:500;margin-top:4px}
.req{color:#c0392b}.opt{font-weight:400;color:var(--muted)}
label.check{display:flex;gap:10px;font-weight:400;align-items:flex-start;margin-bottom:6px}
label.check input{width:auto;margin-top:4px}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.fine{font-size:.85rem;color:var(--muted);margin:12px 0 0}
.success h3{color:var(--blue)}

footer.site{background:#071428;color:#aab7c8;padding:64px 0 24px;font-size:.93rem}
footer.site .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px}
footer.site h4{color:#fff;font:700 .85rem "Segoe UI",sans-serif;letter-spacing:.14em;text-transform:uppercase}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:8px}
footer.site a{color:#aab7c8;text-decoration:none}footer.site a:hover{color:var(--gold)}
footer.site .brand{color:#fff;margin-bottom:14px}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;font-size:.8rem;line-height:1.6}

@media (max-width:960px){
  .menu-btn{display:block}
  nav ul{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;flex-direction:column;align-items:stretch;padding:12px 24px 20px;border-bottom:1px solid var(--line);box-shadow:0 20px 30px -20px rgba(0,0,0,.3)}
  nav ul.open{display:flex}
  nav a.cta{margin:8px 0 0;text-align:center}
  .cards,.steps{grid-template-columns:1fr 1fr}
  .two,.contact{grid-template-columns:1fr;gap:36px}
  .stats .grid{grid-template-columns:1fr 1fr}.stat:nth-child(2){border-right:0}.stat:nth-child(-n+2){border-bottom:1px solid var(--line)}
  footer.site .cols{grid-template-columns:1fr 1fr}
  .hero{padding:84px 0 110px}
}
@media (max-width:600px){
  .cards,.steps,.row,footer.site .cols{grid-template-columns:1fr}
  .topbar .wrap{justify-content:center;text-align:center}
  section.s{padding:60px 0}
  form,.success{padding:22px}
}