:root{
  --navy:#0B2341;
  --navy-deep:#06172c;
  --gold:#C9A227;
  --gold-dark:#9B7A14;
  --cream:#F5F0E3;
  --soft:#F5F7FA;
  --ink:#182235;
  --muted:#657082;
  --line:#DDE3EA;
  --white:#fff;
  --max:1200px;
  --shadow:0 20px 60px rgba(11,35,65,.12);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65;background:#fff}
img{max-width:100%;height:auto}
a{color:var(--navy);text-underline-offset:3px}
button,input,select,textarea{font:inherit}
.container{width:min(calc(100% - 40px),var(--max));margin-inline:auto}
.narrow{max-width:860px}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;color:#000;padding:10px;z-index:999}
.skip:focus{left:8px}
.topbar{background:var(--navy);color:#fff;font-size:.84rem}
.topbar .inner{display:flex;justify-content:space-between;align-items:center;gap:20px;min-height:38px}
.topbar a{color:#fff;text-decoration:none}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.header-main{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand img{display:block;width:390px;max-width:44vw}
.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:12px;padding:10px 14px;font-weight:750}
.nav-list{display:flex;align-items:center;gap:23px;list-style:none;margin:0;padding:0}
.nav-list a{text-decoration:none;font-size:.95rem;font-weight:750;color:var(--navy);white-space:nowrap}
.nav-list a:hover,.nav-list a[aria-current="page"]{color:var(--gold-dark)}
.nav-cta{border:1px solid var(--gold);border-radius:999px;padding:11px 16px}
.hero{position:relative;overflow:hidden;background:
radial-gradient(circle at 85% 15%,rgba(201,162,39,.18),transparent 26%),
linear-gradient(120deg,#F8FAFC 0%,#fff 52%,#F6F0DF 100%);padding:98px 0}
.hero:after{content:"";position:absolute;inset:auto -120px -180px auto;width:520px;height:520px;border-radius:50%;border:1px solid rgba(201,162,39,.35)}
.hero-grid{display:grid;grid-template-columns:1.16fr .84fr;gap:64px;align-items:center;position:relative;z-index:1}
.eyebrow{text-transform:uppercase;letter-spacing:.19em;font-size:.75rem;font-weight:850;color:var(--gold-dark);margin:0 0 14px}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.14;margin-top:0}
h1{font-size:clamp(3rem,6vw,5.8rem);letter-spacing:-.045em;margin-bottom:22px}
h2{font-size:clamp(2rem,3.5vw,3.3rem);letter-spacing:-.03em}
h3{font-size:1.42rem}
.lead{font-size:1.19rem;color:var(--muted);max-width:760px}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:13px 22px;border-radius:999px;border:1px solid transparent;text-decoration:none;font-weight:800}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:#D6B43A}
.btn-secondary{background:#fff;color:var(--navy);border-color:#BFC9D5}
.hero-card{background:var(--navy-deep);color:#fff;border-radius:var(--radius);padding:40px;box-shadow:var(--shadow)}
.hero-card h2{color:#fff;font-size:2.15rem}
.hero-card p{color:#D8E4F0}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.16);margin-top:28px}
.stats div{background:var(--navy-deep);padding:20px}
.stats strong,.stats span{display:block}
.stats span{font-size:.8rem;color:#B9C7D6}
.trust-strip{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:22px 18px;border-right:1px solid var(--line)}
.trust-item:last-child{border-right:0}
.trust-item strong{display:block;color:var(--navy)}
.trust-item span{font-size:.84rem;color:var(--muted)}
.section{padding:88px 0}
.section-soft{background:var(--soft)}
.section-dark{background:var(--navy-deep);color:#D9E4EF}
.section-dark h2,.section-dark h3{color:#fff}
.section-title{max-width:830px}
.grid{display:grid;gap:22px}
.grid.three{grid-template-columns:repeat(3,1fr)}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 8px 24px rgba(11,35,65,.04)}
.card .icon{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:var(--cream);color:var(--gold-dark);font-weight:900;margin-bottom:24px}
.card a{font-weight:800;text-decoration:none}
.split{display:grid;grid-template-columns:1fr 1fr;gap:68px;align-items:start}
.check-list{list-style:none;padding:0;margin:0}
.check-list li{position:relative;padding:10px 0 10px 30px;border-bottom:1px solid var(--line)}
.check-list li:before{content:"✓";position:absolute;left:0;color:var(--gold-dark);font-weight:900}
.process{counter-reset:steps;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{counter-increment:steps;padding:26px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.step:before{content:"0" counter(steps);display:block;font-size:.8rem;font-weight:850;color:var(--gold-dark);margin-bottom:18px}
.page-hero{padding:82px 0;background:linear-gradient(120deg,#F6F8FB,#fff)}
.page-hero h1{font-size:clamp(2.9rem,5vw,4.9rem)}
.detail-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.detail-card{padding:30px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.detail-card h2{font-size:1.7rem}
.accordion details{border-bottom:1px solid var(--line);padding:20px 0}
.accordion summary{cursor:pointer;font-weight:800;color:var(--navy)}
.cta{padding-top:20px}
.cta-box{display:flex;align-items:center;justify-content:space-between;gap:30px;background:linear-gradient(135deg,#F8FAFC,#EFE5C9);border-radius:var(--radius);padding:44px}
.cta-box h2{margin-bottom:0}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:55px}
.contact-panel{background:var(--navy);color:#fff;padding:36px;border-radius:var(--radius)}
.contact-panel h2,.contact-panel h3{color:#fff}
.contact-panel a{color:#fff}
.contact-panel address{font-style:normal}
.contact-list>div{display:grid;grid-template-columns:100px 1fr;border-top:1px solid rgba(255,255,255,.15);padding:12px 0}
.contact-list dt{font-weight:800}.contact-list dd{margin:0}
.form{display:grid;gap:16px}
.form label{display:grid;gap:7px;font-weight:750}
.form input,.form select,.form textarea{width:100%;border:1px solid #BBC5D0;border-radius:12px;padding:13px;background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid rgba(201,162,39,.25);border-color:var(--gold)}
.consent{grid-template-columns:auto 1fr!important;align-items:start;font-weight:400!important}
.consent input{width:auto}
.note{font-size:.83rem;color:var(--muted)}
.prose{max-width:860px}
.prose h2{font-size:1.7rem;margin-top:42px}
.site-footer{background:var(--navy-deep);color:#CBD8E4;padding:58px 0 25px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:46px}
.footer-logo{width:390px;max-width:100%;opacity:1}
.site-footer h3{color:#fff}.site-footer a{color:#fff}
.footer-links{list-style:none;padding:0;margin:0}
.footer-links li{margin:9px 0}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:38px;padding-top:22px;font-size:.79rem}
.legal-links{display:flex;flex-wrap:wrap;gap:16px}
.mobile-call{display:none}
:focus-visible{outline:3px solid #DAB73B;outline-offset:3px}

@media(max-width:980px){
  .brand img{width:315px;max-width:65vw}
  .nav-toggle{display:block}
  .site-nav{position:absolute;top:130px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);display:none}
  .site-nav.open{display:block}
  .nav-list{display:block;padding:14px 20px}
  .nav-list li{border-bottom:1px solid var(--line)}
  .nav-list a{display:block;padding:14px 4px}
  .nav-cta{border:0;border-radius:0}
  .hero-grid,.split,.contact-grid{grid-template-columns:1fr}
  .grid.three{grid-template-columns:repeat(2,1fr)}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .process{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .detail-grid{grid-template-columns:1fr}
  .mobile-call{display:flex;position:fixed;right:18px;bottom:18px;z-index:99;width:58px;height:58px;border-radius:50%;align-items:center;justify-content:center;background:var(--gold);color:var(--navy);text-decoration:none;box-shadow:var(--shadow);font-size:1.35rem}
}
@media(max-width:640px){
  .container{width:min(calc(100% - 28px),var(--max))}
  .topbar{display:none}
  .header-main{min-height:76px}
  .site-nav{top:76px}
  .brand img{width:245px;max-width:72vw}
  .hero,.page-hero,.section{padding:60px 0}
  h1{font-size:clamp(2.55rem,12vw,3.6rem)}
  .lead{font-size:1.04rem}
  .hero-card{padding:26px}
  .stats,.grid.three,.grid.two,.trust-grid,.process,.footer-grid{grid-template-columns:1fr}
  .trust-item{border-right:0;border-bottom:1px solid var(--line)}
  .card,.detail-card{padding:24px}
  .cta-box{display:block;padding:28px}
  .cta-box .actions{margin-top:24px}
  .actions .btn{width:100%}
  .footer-logo{width:280px}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

/* Final brand refinements */
.brand img{width:430px}
.nav-list a{letter-spacing:.01em}
.nav-cta{background:linear-gradient(135deg,#F0D36E,#C9A227);border-color:#C9A227;color:#081B33!important;box-shadow:0 8px 20px rgba(201,162,39,.18)}
.nav-cta:hover{background:linear-gradient(135deg,#F5DF90,#D6B43A)}
.hero{background:radial-gradient(circle at 84% 14%,rgba(212,175,55,.22),transparent 28%),linear-gradient(120deg,#F9FBFD 0%,#FFFFFF 54%,#F6F0DF 100%)}
.hero-card{border:1px solid rgba(212,175,55,.28)}
.trust-item strong{font-family:Georgia,'Times New Roman',serif;font-size:1.08rem}
.site-footer{border-top:3px solid #C9A227}
@media(max-width:1180px){.brand img{width:360px}.nav-list{gap:16px}.nav-list a{font-size:.9rem}}
@media(max-width:980px){.brand img{width:320px}}
@media(max-width:640px){.brand img{width:255px}}