*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;font-size:16px;color:#1a1a1a;background:#fff;line-height:1.7}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
:root{--navy:#0f1f33;--navy2:#1b3a5c;--gold:#c9a84c;--gold-bg:rgba(201,168,76,.12);--bg:#f8f7f5;--border:#e0ddd7;--muted:#666}

h1{font-size:clamp(28px,4.5vw,46px);font-weight:600;line-height:1.15}
h2{font-size:clamp(22px,3.2vw,34px);font-weight:600;line-height:1.2}
h3{font-size:18px;font-weight:600;line-height:1.3}
h4{font-size:15px;font-weight:600}
p{margin-bottom:16px;color:#555;line-height:1.8}
p:last-child{margin-bottom:0}

/* NAV */
.nav{background:var(--navy);position:sticky;top:0;z-index:200;border-bottom:1px solid rgba(255,255,255,.06)}
.nav-inner{max-width:1140px;margin:0 auto;padding:0 28px;height:64px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.nav-logo{color:#fff;font-size:15px;font-weight:600;flex-shrink:0;line-height:1.2}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links>a{color:rgba(255,255,255,.72);font-size:13px;padding:8px 11px;border-radius:4px;transition:.15s}
.nav-links>a:hover,.nav-links>a.act{color:#fff;background:rgba(255,255,255,.08)}
.nav-cta{background:var(--gold)!important;color:#fff!important;font-weight:600!important;border-radius:4px!important;margin-left:6px;padding:9px 16px!important}
.nav-cta:hover{background:#b8972e!important}
.nav-toggle{display:none;background:none;border:none;color:#fff;font-size:24px;cursor:pointer;line-height:1}
.dropdown{position:relative}
.ddtoggle{color:rgba(255,255,255,.72);font-size:13px;padding:8px 11px;border-radius:4px;cursor:pointer;user-select:none;transition:.15s;display:inline-block}
.ddtoggle:hover{color:#fff;background:rgba(255,255,255,.08)}
.ddmenu{display:none;position:absolute;top:calc(100% + 4px);left:0;background:var(--navy);border:1px solid rgba(255,255,255,.1);border-radius:8px;padding:8px 0;min-width:235px;box-shadow:0 8px 24px rgba(0,0,0,.35)}
.dropdown:hover .ddmenu{display:block}
.ddmenu a{display:block;padding:10px 18px;color:rgba(255,255,255,.75);font-size:13px;transition:.15s}
.ddmenu a:hover{color:#fff;background:rgba(255,255,255,.07)}

/* HERO (home) with image bg + heavy navy overlay */
.hero{position:relative;padding:104px 28px 84px;text-align:center;overflow:hidden;
  background:linear-gradient(rgba(15,31,51,.84),rgba(15,31,51,.9)),url('../images/hero.webp');
  background-size:cover;background-position:center}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.5),transparent)}
.eyebrow{display:inline-block;background:rgba(201,168,76,.16);color:var(--gold);border:1px solid rgba(201,168,76,.32);font-size:11px;font-weight:600;letter-spacing:1.3px;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:22px}
.hero h1{color:#fff;max-width:720px;margin:0 auto 18px;position:relative}
.hero-sub{color:rgba(255,255,255,.8);font-size:17px;max-width:540px;margin:0 auto 36px;line-height:1.7;position:relative}
.hero-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;position:relative}
.hero-trust{display:flex;justify-content:center;border-top:1px solid rgba(255,255,255,.12);margin-top:56px;padding-top:34px;max-width:620px;margin-left:auto;margin-right:auto;position:relative}
.ht-item{flex:1;text-align:center;padding:0 16px;border-right:1px solid rgba(255,255,255,.12)}
.ht-item:last-child{border-right:none}
.ht-label{color:rgba(255,255,255,.5);font-size:11px;text-transform:uppercase;letter-spacing:1px;margin-bottom:5px}
.ht-val{color:#fff;font-size:14px;font-weight:600}

/* PAGE HERO (inner, solid navy) */
.phero{background:var(--navy);padding:56px 28px 48px;text-align:center;position:relative}
.phero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.4),transparent)}
.phero-label{color:var(--gold);font-size:11px;font-weight:600;letter-spacing:1.3px;text-transform:uppercase;margin-bottom:10px}
.phero h1{color:#fff;font-size:clamp(24px,3.5vw,38px)}
.phero-sub{color:rgba(255,255,255,.7);font-size:16px;max-width:560px;margin:12px auto 0;line-height:1.7}

/* BUTTONS */
.btn{display:inline-block;padding:12px 26px;border-radius:4px;font-size:14px;font-weight:600;cursor:pointer;transition:.15s;font-family:inherit;border:none}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#b8972e}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2)}
.btn-ghost{border:1px solid rgba(255,255,255,.28);color:rgba(255,255,255,.9)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-outline{border:1px solid var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-lg{padding:14px 32px;font-size:15px}

/* SECTIONS */
.sec{padding:80px 28px}
.sec-light{background:var(--bg)}
.inner{max-width:1100px;margin:0 auto}
.sec-label{color:var(--gold);font-size:11px;font-weight:600;letter-spacing:1.3px;text-transform:uppercase;margin-bottom:10px}
.sec-title{color:var(--navy);font-weight:600;margin-bottom:8px}
.sec-sub{color:var(--muted);font-size:16px;margin-bottom:48px}
.tc{text-align:center}

/* MEDIA BOX (images) */
.media{border-radius:12px;overflow:hidden;aspect-ratio:4/3;background:#eee}
.media img{width:100%;height:100%;object-fit:cover;display:block}
.media-wide{aspect-ratio:16/10}

/* CARDS */
.cards{display:flex;flex-wrap:wrap;justify-content:center;gap:20px}
.cards .card{flex:1 1 280px;max-width:340px}
.card{background:#fff;border:.5px solid var(--border);border-radius:12px;padding:28px 24px;display:flex;flex-direction:column}
.card-icon{width:42px;height:42px;background:var(--gold-bg);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:22px;margin-bottom:16px;flex-shrink:0}
.card h3{color:var(--navy);margin-bottom:8px;font-size:17px}
.card p{font-size:14px;color:var(--muted);margin-bottom:16px;flex:1}
.card-link{color:var(--gold);font-size:13px;font-weight:600;margin-top:auto}
.card-link:hover{color:#b8972e}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:32px;margin-top:48px}
.step{text-align:center;padding:0 16px}
.step-num{width:54px;height:54px;border-radius:50%;background:var(--navy);border:2px solid var(--gold);color:#fff;font-size:20px;font-weight:600;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}
.step h3{color:var(--navy);margin-bottom:8px}
.step p{font-size:14px;color:var(--muted)}

/* TWO-COL */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.two-col.top{align-items:start}
.cb h2{color:var(--navy);margin-bottom:16px}
.cb p{color:var(--muted);font-size:15px}
.cb ul{margin:12px 0 16px 20px}
.cb li{color:var(--muted);font-size:15px;margin-bottom:8px;line-height:1.7}
.hbox{background:var(--gold-bg);border-left:3px solid var(--gold);border-radius:0 8px 8px 0;padding:18px 22px;margin:22px 0}
.hbox p{color:var(--navy);font-size:14px;margin:0}
.checklist{list-style:none!important;padding:0!important;display:flex;flex-direction:column;gap:10px}
.checklist li{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted)}
.checklist li::before{content:'\2713';color:var(--gold);font-weight:700;flex-shrink:0}
.sidebox{background:var(--bg);border:.5px solid var(--border);border-radius:12px;padding:28px}
.sidebox h3{color:var(--navy);margin-bottom:18px}

/* CTA BAND */
.cta-band{background:var(--navy);padding:72px 28px;text-align:center}
.cta-band h2{color:#fff;margin-bottom:12px}
.cta-band p{color:rgba(255,255,255,.7);font-size:16px;max-width:480px;margin:0 auto 32px;line-height:1.7}

/* CONTACT STRIP */
.cstrip{background:var(--bg);border-top:1px solid var(--border);padding:44px 28px}
.cstrip-inner{max-width:980px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.ci{text-align:center;padding:0 12px}
.ci-label{color:var(--gold);font-size:10px;font-weight:600;letter-spacing:1.3px;text-transform:uppercase;margin-bottom:6px}
.ci-val{color:var(--navy);font-size:14px;line-height:1.55}
.ci-val a{color:var(--navy)}
.ci-val a:hover{color:var(--gold)}

/* FORM */
.form-wrap{background:#fff;border:.5px solid var(--border);border-radius:12px;padding:36px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fg{margin-bottom:14px}
.fg label{display:block;color:#444;font-size:13px;font-weight:600;margin-bottom:6px}
.fg input,.fg select,.fg textarea{width:100%;padding:10px 14px;border:1px solid #d0cdc6;border-radius:6px;font-size:14px;font-family:inherit;color:#1a1a1a;background:#fff;outline:none;transition:border-color .15s;-webkit-appearance:none}
.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--gold)}
.fg textarea{min-height:100px;resize:vertical}
.fg select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%23888' d='M6 8L0 0h12z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:32px}
.form-submit{width:100%;padding:13px;background:var(--navy);color:#fff;font-size:15px;font-weight:600;border:none;border-radius:6px;cursor:pointer;transition:background .15s;font-family:inherit;margin-top:4px}
.form-submit:hover{background:var(--navy2)}
.form-submit:disabled{opacity:.6;cursor:default}
.err-msg{background:#fde8e8;border:1px solid #f5a5a5;border-radius:6px;padding:12px 16px;color:#9b1c1c;font-size:13px;margin-bottom:16px;display:none}

/* INFO ITEMS (contact page) */
.info-item{display:flex;gap:16px;align-items:flex-start;margin-bottom:22px}
.info-ic{width:40px;height:40px;background:var(--gold-bg);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0;color:var(--gold)}
.info-lbl{color:var(--gold);font-size:11px;font-weight:600;letter-spacing:1px;text-transform:uppercase;margin-bottom:4px}
.info-val{color:var(--navy);font-size:14px;line-height:1.55}
.info-val a{color:var(--navy)}
.info-val a:hover{color:var(--gold)}

/* FOOTER */
.footer{background:#09131f;color:rgba(255,255,255,.6)}
.footer-main{max-width:1100px;margin:0 auto;padding:56px 28px 40px;display:grid;grid-template-columns:2fr 1fr 1fr 1.6fr;gap:44px}
.footer-logo{color:#fff;font-size:15px;font-weight:600;margin-bottom:12px}
.footer-desc{font-size:13px;line-height:1.75;color:rgba(255,255,255,.5)}
.fc h4{color:#fff;font-size:11px;font-weight:600;letter-spacing:1px;text-transform:uppercase;margin-bottom:16px}
.fc a{display:block;font-size:13px;color:rgba(255,255,255,.55);margin-bottom:8px;transition:.15s}
.fc a:hover{color:var(--gold)}
.fc p{font-size:13px;line-height:1.6;margin-bottom:10px;color:rgba(255,255,255,.55)}
.fc .lbl{color:rgba(255,255,255,.4);font-weight:600}
.footer-disc{border-top:1px solid rgba(255,255,255,.07);padding:22px 28px;text-align:center}
.footer-disc p{font-size:12px;color:rgba(255,255,255,.4);line-height:1.7;max-width:900px;margin:0 auto;text-align:center!important}
.fcontact{display:flex;flex-direction:column;gap:12px}
.fcontact-row{display:flex;flex-direction:column;gap:2px}
.fcontact-lbl{color:rgba(255,255,255,.4);font-size:11px;font-weight:600;letter-spacing:.5px;text-transform:uppercase}
.fcontact-row a,.fcontact-row span:not(.fcontact-lbl){color:rgba(255,255,255,.62);font-size:13px;line-height:1.5}
.fcontact-row a:hover{color:var(--gold)}
.fcontact-email{word-break:break-word}
.footer-bot{border-top:1px solid rgba(255,255,255,.05);padding:18px 28px;text-align:center}
.footer-bot p{font-size:12px;color:rgba(255,255,255,.3);margin:0}
.footer-legal{margin-top:8px}
.footer-legal a{color:rgba(255,255,255,.45);font-size:12px}
.footer-legal a:hover{color:var(--gold)}

/* PROSE */
.prose{max-width:760px;margin:0 auto;padding:64px 28px}
.prose h2{color:var(--navy);font-size:22px;margin:36px 0 12px}
.prose p,.prose li{color:#444;font-size:15px;line-height:1.8}
.prose ul,.prose ol{margin:12px 0 16px 24px}
.prose li{margin-bottom:8px}

/* THANK YOU */
.ty{text-align:center;padding:80px 28px;max-width:620px;margin:0 auto}
.ty-icon{width:72px;height:72px;background:rgba(99,153,34,.1);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;font-size:36px;color:#639922}
.ty h1{color:var(--navy);margin-bottom:16px}
.ty p{color:var(--muted);font-size:17px}
.ty-boxes{display:flex;gap:20px;justify-content:center;margin-top:36px;flex-wrap:wrap}
.ty-box{background:var(--bg);border:.5px solid var(--border);border-radius:10px;padding:18px 28px;text-align:center}
.ty-box-label{color:var(--gold);font-size:10px;font-weight:600;letter-spacing:1.3px;text-transform:uppercase;margin-bottom:5px}
.ty-box-val{color:var(--navy);font-size:15px;font-weight:600}

/* ABOUT values */
.value-list{display:flex;flex-direction:column;gap:18px}
.vi{display:flex;gap:14px;align-items:flex-start}
.vi-dot{width:8px;height:8px;border-radius:50%;background:var(--gold);flex-shrink:0;margin-top:8px}
.vi h4{color:var(--navy);margin-bottom:4px}
.vi p{font-size:14px;color:var(--muted);margin:0}

/* RESPONSIVE */
@media(max-width:900px){
  .two-col{grid-template-columns:1fr;gap:32px}
  .footer-main{grid-template-columns:1fr 1fr;gap:32px}
  .cstrip-inner{grid-template-columns:1fr 1fr;gap:26px}
}
@media(max-width:640px){
  .nav-toggle{display:block}
  .nav{position:relative}
  .nav-links{display:none;flex-direction:column;align-items:stretch;position:absolute;top:64px;left:0;right:0;background:var(--navy);padding:12px 16px 20px;border-top:1px solid rgba(255,255,255,.1);gap:2px;z-index:200}
  .nav-links.open{display:flex}
  .nav-links>a{padding:11px 14px}
  .ddmenu{position:static;box-shadow:none;border:none;background:rgba(255,255,255,.05);border-radius:6px;margin:2px 0;display:none}
  .dropdown:hover .ddmenu{display:none}
  .dropdown.open .ddmenu{display:block}
  .sec{padding:56px 20px}
  .hero{padding:64px 20px 56px}
  .hero-trust{flex-direction:column;max-width:100%}
  .ht-item{border-right:none;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:16px}
  .ht-item:last-child{border-bottom:none;padding-bottom:0}
  .hero-btns{flex-direction:column;align-items:stretch}
  .form-row{grid-template-columns:1fr}
  .cstrip-inner{grid-template-columns:1fr}
  .footer-main{grid-template-columns:1fr;gap:28px}
  .steps{grid-template-columns:1fr}
  .ty-boxes{flex-direction:column;align-items:stretch}
}