:root{
  --navy:#0f2b46; --navy-2:#163a5f; --gold:#c9a15a; --gold-dk:#a8823d;
  --ink:#1a2733; --slate:#54636f; --paper:#f7f5f0; --white:#ffffff; --line:#e5e0d6;
  --radius:14px; --maxw:1080px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Georgia','Times New Roman',serif;color:var(--ink);background:var(--paper);line-height:1.6}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

header{position:sticky;top:0;z-index:50;background:rgba(15,43,70,.97);backdrop-filter:blur(6px);border-bottom:1px solid rgba(201,161,90,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;color:var(--white)}
.brand .mark{width:38px;height:38px;border:2px solid var(--gold);border-radius:7px;display:grid;place-items:center;color:var(--gold);font-weight:700;font-family:sans-serif;font-size:12px;letter-spacing:.5px;flex:0 0 auto}
.brand b{font-size:17px;letter-spacing:.3px;line-height:1.1;display:block}
.brand .desc{color:var(--gold);font-family:sans-serif;font-size:10px;letter-spacing:1.4px;text-transform:uppercase;display:block;margin-top:3px}
.nav-links{display:flex;gap:26px;align-items:center}
.nav-links a{color:#dce6ef;font-family:sans-serif;font-size:14px;letter-spacing:.3px}
.nav-links a:hover{color:var(--gold)}
.btn{font-family:sans-serif;font-weight:600;font-size:14px;background:var(--gold);color:var(--navy);padding:11px 20px;border-radius:8px;letter-spacing:.3px;transition:.2s;border:1px solid var(--gold);cursor:pointer;display:inline-block}
.btn:hover{background:var(--gold-dk);border-color:var(--gold-dk)}
.btn-ghost{background:transparent;color:var(--gold)}
.btn-ghost:hover{background:rgba(201,161,90,.12)}
@media(max-width:820px){.nav-links a:not(.btn){display:none}}

.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:var(--white);position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border:1px solid rgba(201,161,90,.18);border-radius:50%}
.hero:before{content:"";position:absolute;right:-40px;bottom:-200px;width:380px;height:380px;border:1px solid rgba(201,161,90,.12);border-radius:50%}
.hero .wrap{padding:92px 24px 84px;position:relative;z-index:2}
.eyebrow{font-family:sans-serif;color:var(--gold);letter-spacing:3px;text-transform:uppercase;font-size:12px;margin-bottom:20px}
.hero h1{font-size:clamp(30px,4.6vw,50px);line-height:1.14;max-width:22ch;font-weight:400}
.hero h1 em{color:var(--gold);font-style:normal}
.hero p.lead{font-family:sans-serif;font-size:clamp(16px,2vw,19px);color:#cfdae5;max-width:60ch;margin-top:22px}
.hero-cta{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap}
.trustbar{margin-top:52px;display:flex;gap:34px;flex-wrap:wrap;font-family:sans-serif;font-size:13px;color:#b9c6d3}
.trustbar div{display:flex;align-items:center;gap:9px}
.trustbar .dot{width:7px;height:7px;background:var(--gold);border-radius:50%;flex:0 0 auto}

section{padding:78px 0}
.kicker{font-family:sans-serif;color:var(--gold-dk);letter-spacing:2.5px;text-transform:uppercase;font-size:12px;font-weight:700}
h2{font-size:clamp(25px,3.3vw,37px);font-weight:400;margin:14px 0 8px;color:var(--navy);line-height:1.2}
.sub{font-family:sans-serif;color:var(--slate);max-width:64ch;font-size:16px}

.grid{display:grid;gap:22px;margin-top:44px}
.cards-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:820px){.cards-2{grid-template-columns:1fr}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px}
.card .ic{width:44px;height:44px;border-radius:10px;background:var(--paper);border:1px solid var(--line);display:grid;place-items:center;margin-bottom:16px;color:var(--gold-dk);font-size:20px}
.card h3{font-size:19px;color:var(--navy);font-weight:600;margin-bottom:8px}
.card p{font-family:sans-serif;font-size:14.5px;color:var(--slate)}
.card p b{color:var(--ink);font-weight:600}

.how{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.steps{counter-reset:s;display:grid;gap:20px;grid-template-columns:repeat(3,1fr);margin-top:44px}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding:28px 22px;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper)}
.step:before{counter-increment:s;content:"0" counter(s);font-family:sans-serif;font-weight:700;color:var(--gold);font-size:15px;letter-spacing:1px}
.step h3{font-size:18px;color:var(--navy);font-weight:600;margin:10px 0 8px}
.step p{font-family:sans-serif;font-size:14px;color:var(--slate)}

.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media(max-width:820px){.split{grid-template-columns:1fr;gap:30px}}
.checklist{list-style:none;margin-top:24px;display:grid;gap:14px}
.checklist li{font-family:sans-serif;display:flex;gap:12px;align-items:flex-start;color:var(--ink);font-size:15.5px}
.checklist .tick{color:var(--gold-dk);flex:0 0 auto;margin-top:2px}
.panel{background:var(--navy);color:#dce6ef;border-radius:18px;padding:38px 34px}
.panel h3{color:var(--white);font-size:22px;font-weight:400;margin-bottom:10px}
.panel p{font-family:sans-serif;font-size:15px;margin-bottom:12px}
.panel p:last-child{margin-bottom:0}
.panel .quote{font-size:19px;line-height:1.5;color:#eef3f8;border-left:3px solid var(--gold);padding-left:18px;margin:20px 0;font-style:italic;font-family:Georgia,serif}

.cta{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:var(--white);text-align:center}
.cta h2{color:var(--white)}
.cta .sub{color:#cfdae5;margin:0 auto}
.cta .hero-cta{justify-content:center}
.cta .contactline{font-family:sans-serif;font-size:14px;color:#b9c6d3;margin-top:26px}
.cta .contactline a{color:var(--gold)}

footer{background:var(--navy);color:#aebccb;padding:52px 0 44px;font-family:sans-serif}
.foot{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:34px;padding-bottom:30px;border-bottom:1px solid rgba(201,161,90,.22)}
@media(max-width:820px){.foot{grid-template-columns:1fr;gap:24px}}
.foot-contact{font-size:14px;line-height:1.9}
.foot-contact a{color:var(--gold)}
.foot-heading{font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:10px;font-weight:700}
.foot-note{font-size:14px;line-height:1.8;color:#aebccb}
.entity{font-size:13.5px;color:#c8d4df;margin-top:26px}
.disclaimer{font-size:12.5px;color:#8fa0b1;margin-top:14px;line-height:1.75}

:focus-visible{outline:3px solid #9b742e;outline-offset:4px}
.skip-link{position:fixed;left:12px;top:-100px;z-index:1000;background:white;padding:10px;color:#0f2b46}
.skip-link:focus{top:10px}
.page{padding:56px 0 72px}.page h1{font-size:clamp(30px,4vw,44px);line-height:1.15;color:var(--navy);font-weight:400;margin:10px 0 20px}
.page .intro{font-family:sans-serif;color:var(--slate);max-width:65ch;margin-bottom:28px}
.contact-layout{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(230px,.8fr);gap:32px;align-items:start}
.inquiry-form{background:white;border:1px solid var(--line);border-radius:14px;padding:28px;font-family:sans-serif}
.field{margin-bottom:20px}.field label{font-weight:600;display:block;margin-bottom:6px}.hint{font-size:13px;color:var(--slate);margin-top:6px}
input[type=text],input[type=email],input[type=tel],textarea{width:100%;padding:12px;border:1px solid #a6afb6;border-radius:6px;font:16px sans-serif;color:var(--ink);background:white}textarea{min-height:120px;resize:vertical}
fieldset{border:0;min-width:0;margin:26px 0}legend{font-weight:700;font-size:18px;margin-bottom:8px;color:var(--navy)}
.consent-choice{border:1px solid var(--line);padding:18px;border-radius:8px;margin:14px 0;display:grid;grid-template-columns:22px minmax(0,1fr);gap:12px;align-items:start}
.consent-choice input{width:20px;height:20px;accent-color:var(--navy);margin-top:4px}.consent-choice label{font-size:14px;line-height:1.65}.consent-choice b{display:block;font-size:15px;margin-bottom:6px}
.policy-links{font-size:14px}.page a:not(.btn),.policy-links a,.foot-note a{text-decoration:underline;text-underline-offset:3px}.page a:not(.btn){color:#78551e}
.status{margin-top:18px;padding:16px;border-radius:8px;line-height:1.6}.status.error{color:#85271d;background:#fff2ee}.status.success{color:#174734;background:#eef8f2}.status:empty{display:none}
.inquiry-form .btn{min-height:46px}.inquiry-form .btn:disabled{opacity:.6;cursor:wait}.hidden-field{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.contact-aside{font-family:sans-serif;padding:25px;border:1px solid var(--line);border-radius:14px;background:#fff}.contact-aside h2{font-size:24px;margin-top:0}.contact-aside p{margin:14px 0;font-size:15px}.contact-aside a{overflow-wrap:anywhere}
.legal{max-width:800px;font-family:sans-serif}.legal h1{font-family:Georgia,serif}.legal h2{font-size:24px;margin:32px 0 12px}.legal p{margin:12px 0}.legal ul{padding-left:24px;margin:14px 0}.legal li{margin:8px 0}.legal .updated{font-size:14px;color:var(--slate)}
.foot-note a{display:inline-block;margin:0 8px 6px 0}.brand b{overflow-wrap:normal}.contactline{overflow-wrap:anywhere}
@media(max-width:700px){.contact-layout{grid-template-columns:1fr}.inquiry-form{padding:20px}.consent-choice{padding:14px}.page{padding-top:34px}.wrap{padding:0 18px}.brand b{font-size:14px}.nav-links .btn{padding:9px 12px;font-size:12px}.nav{gap:8px}.nav .brand{gap:8px}.hero .wrap{padding:60px 20px}.foot-contact{overflow-wrap:anywhere}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}