:root{--navy:#13233f;--navy-2:#1d3358;--gold:#c8962e;--gold-2:#e0b453;--bg:#f6f5f1;--card:#fff;--ink:#1b2333;--muted:#5a6475;--line:#e3e1da}
*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--navy-2)}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header{background:var(--navy);position:sticky;top:0;z-index:10;box-shadow:0 2px 10px rgba(0,0,0,.15)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;max-width:1100px;margin:0 auto;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.35rem;letter-spacing:-.01em}
.logo span{color:var(--gold-2)}
.logo small{font-weight:500;font-size:.8rem;color:#b9c3d6;margin-left:4px}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav a{color:#dfe5ef;text-decoration:none;padding:8px 12px;border-radius:6px;font-weight:500}
nav a:hover,nav a.active{background:var(--navy-2);color:#fff}
nav a.cta{background:var(--gold);color:var(--navy);font-weight:700}
nav a.cta:hover{background:var(--gold-2)}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:88px 0 96px}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:0 0 18px;max-width:780px;letter-spacing:-.02em}
.hero h1 em{font-style:normal;color:var(--gold-2)}
.hero p{font-size:1.2rem;color:#cfd8e6;max-width:660px;margin:0 0 30px}
.page-hero{background:var(--navy);color:#fff;padding:56px 0}
.page-hero h1{margin:0 0 8px;font-size:clamp(1.8rem,4vw,2.6rem)}
.page-hero p{margin:0;color:#cfd8e6;font-size:1.1rem;max-width:700px}
.btn{display:inline-block;padding:13px 24px;border-radius:8px;font-weight:700;text-decoration:none;margin:0 10px 10px 0}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2)}
.btn-ghost{border:2px solid #8fa0bd;color:#fff}
.btn-ghost:hover{border-color:#fff}
section{padding:72px 0}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:var(--gold)}
h2{font-size:clamp(1.6rem,3.5vw,2.2rem);margin:6px 0 14px;color:var(--navy);letter-spacing:-.01em}
.lead{font-size:1.12rem;color:var(--muted);max-width:720px}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));margin-top:34px}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:28px;border-top:4px solid var(--gold)}
.card h3{margin:0 0 8px;color:var(--navy);font-size:1.2rem}
.card p{margin:0;color:var(--muted)}
.card ul{margin:10px 0 0;padding-left:20px;color:var(--muted)}
.steps{counter-reset:s;display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-top:34px}
.step{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:28px}
.step::before{counter-increment:s;content:counter(s);display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--gold-2);font-weight:800;margin-bottom:14px}
.step h3{margin:0 0 6px;color:var(--navy)}
.step p{margin:0;color:var(--muted)}
.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.split{display:grid;gap:40px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));align-items:start}
.checks{list-style:none;padding:0;margin:18px 0 0}
.checks li{padding:8px 0 8px 32px;position:relative;border-bottom:1px solid var(--line)}
.checks li::before{content:"✓";position:absolute;left:4px;color:var(--gold);font-weight:800}
.band{background:var(--navy);color:#fff;text-align:center;padding:64px 0}
.band h2{color:#fff}
.band p{color:#cfd8e6;font-size:1.1rem;margin:0 0 26px}
.contact-box{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:32px}
.contact-box h3{margin-top:0;color:var(--navy)}
.contact-line{font-size:1.15rem;margin:6px 0 20px}
.contact-line a{font-weight:700}
footer{background:#0d182c;color:#9fadc4;padding:36px 0;font-size:.95rem}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer a{color:#dfe5ef;text-decoration:none;margin-right:16px}
@media (max-width:640px){.hero{padding:60px 0 68px}section{padding:52px 0}nav ul{width:100%}}
.skip-link{position:absolute;left:12px;top:-60px;z-index:100;background:var(--gold-2);color:var(--navy);font-weight:700;padding:10px 16px;border-radius:6px;text-decoration:none}
.skip-link:focus{top:12px}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid var(--navy);outline-offset:3px;border-radius:4px}
header a:focus-visible,.hero a:focus-visible,.page-hero a:focus-visible,.band a:focus-visible,footer a:focus-visible,.skip-link:focus-visible{outline-color:var(--gold-2)}
main:focus{outline:none}