:root{--navy:#0b1f3a;--navy2:#14305a;--gold:#d4a72c;--gold2:#f3d27a;--ink:#1d2633;--muted:#5b6778;--bg:#f6f7fa}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}section{padding:72px 0}.alt{background:var(--bg)}
h1,h2,h3{line-height:1.2;color:var(--navy)}h2{font-size:2rem;margin:0 0 24px;position:relative;padding-bottom:12px}h2:after{content:"";position:absolute;left:0;bottom:0;width:56px;height:3px;background:var(--gold)}
.nav{position:sticky;top:0;z-index:10;background:var(--navy);border-bottom:2px solid var(--gold)}.navin{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-size:1.2rem;font-weight:600;letter-spacing:.3px}.brand b{color:var(--gold)}
nav{display:flex;gap:22px;align-items:center}nav a{color:#dbe3ee;text-decoration:none;font-size:.95rem}nav a:hover{color:var(--gold2)}
.btn{display:inline-block;background:var(--gold);color:var(--navy)!important;font-weight:700;padding:12px 22px;border-radius:6px;text-decoration:none;border:2px solid var(--gold)}.btn:hover{background:var(--gold2)}
.btn.sm{padding:7px 14px}.btn.ghost{background:transparent;color:#fff!important}.btn.ghost:hover{background:rgba(255,255,255,.08)}
.hero{background:radial-gradient(circle at 85% 20%,var(--navy2),var(--navy) 60%);color:#fff;padding:96px 0}
.hero h1{color:#fff;font-size:3rem;margin:8px 0 18px}.hero h1 span{color:var(--gold)}.eyebrow{color:var(--gold2);text-transform:uppercase;letter-spacing:2px;font-size:.8rem;margin:0}
.lead{font-size:1.15rem;max-width:680px;color:inherit;opacity:.92}.lead.muted{color:var(--muted);opacity:1;margin:-8px 0 28px}.cta{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0}
.ids{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:12px;margin:0}.ids li{border:1px solid rgba(212,167,44,.5);padding:6px 14px;border-radius:20px;font-size:.9rem}.ids b{color:var(--gold)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px}.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.grid.three{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid #e3e7ee;border-top:3px solid var(--gold);border-radius:8px;padding:20px}.card h3{margin:0 0 6px;font-size:1.05rem}.card p{margin:0;color:var(--muted);font-size:.95rem}
.card.hl{background:var(--navy);border-color:var(--navy)}.card.hl h3{color:var(--gold)}.card.hl p{color:#dbe3ee}.card.hl a{color:var(--gold2)}.ico{font-size:1.8rem;margin-bottom:6px}
.facts{display:grid;grid-template-columns:auto 1fr;gap:10px 18px;margin:0;align-content:start}.facts dt{font-weight:700;color:var(--navy)}.facts dd{margin:0}
table{width:100%;border-collapse:collapse;font-size:.93rem}th{background:var(--navy);color:#fff;text-align:left;padding:9px 12px}td{padding:8px 12px;border-bottom:1px solid #e3e7ee}tr:nth-child(even) td{background:var(--bg)}td:first-child{font-weight:700;color:var(--navy2)}
.note{font-size:.85rem;color:var(--muted)}
#contact,#quote{background:var(--navy);color:#fff}#contact h2,#quote h2{color:#fff}.cbox{background:var(--navy2);border:1px solid var(--gold);border-radius:10px;padding:28px;max-width:560px;margin-top:20px}.cbox a{color:var(--gold2)}.quote-note{color:#8fa3bf;margin-top:16px}
#quote{padding-bottom:40px}#contact{padding-top:40px}
footer{background:#071529;color:#8fa3bf;font-size:.85rem;padding:20px 0;text-align:center}
@media(max-width:900px){.grid{grid-template-columns:repeat(2,1fr)}.grid.three{grid-template-columns:1fr}.two{grid-template-columns:1fr}nav a:not(.btn){display:none}}
@media(max-width:520px){.hero{padding:64px 0}.hero h1{font-size:2.1rem}.grid{grid-template-columns:1fr}section{padding:52px 0}.brand span{font-size:1rem}.cta .btn{width:100%;text-align:center}}