:root{
  --navy:#0f2a44; --navy-2:#163a5c; --navy-dk:#0b1c2d;
  --accent:#c8952e; --accent-lt:#e0b45c;
  --ink:#17222e; --muted:#5b6b7b; --line:#dfe5ea;
  --bg:#ffffff; --soft:#f5f7f9;
  --maxw:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Helvetica,Arial,sans-serif;
  color:var(--ink); background:var(--bg); line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}

/* skip link */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:99}
.skip:focus{left:8px;top:8px}

/* header */
.site-head{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.mark{width:44px;height:44px;border-radius:6px;background:var(--navy);color:#fff;
  display:grid;place-items:center;font-weight:700;font-size:14px;letter-spacing:.04em;flex:0 0 auto}
.logo .nm{display:block;font-size:16.5px;color:var(--navy);font-weight:700;letter-spacing:-.01em;line-height:1.25}
.logo .sub{display:block;font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.14em}
.nav{display:flex;align-items:center;gap:24px;flex-wrap:wrap}
.nav a{color:var(--ink);text-decoration:none;font-size:14.5px;padding:4px 0;border-bottom:2px solid transparent}
.nav a:hover{border-bottom-color:var(--accent)}
.nav a[aria-current="page"]{border-bottom-color:var(--navy);font-weight:600}
.nav a.btn-nav{background:var(--navy);color:#fff;padding:10px 18px;border-radius:4px;font-weight:600;border:none}
.nav a.btn-nav:hover{background:var(--navy-2)}
.navtoggle{display:none;background:none;border:1px solid var(--line);border-radius:4px;
  padding:9px 12px;font-size:15px;cursor:pointer;color:var(--ink)}

/* hero */
.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:78px 0 70px}
.hero h1{font-size:clamp(30px,4.6vw,46px);line-height:1.14;margin:0 0 18px;max-width:17ch;
  letter-spacing:-.022em;font-weight:700}
.hero p{font-size:clamp(16px,2vw,18px);max-width:62ch;color:#cfdbe6;margin:0 0 30px}
.pagehead{background:var(--navy);color:#fff;padding:56px 0 50px}
.pagehead h1{font-size:clamp(27px,4vw,38px);margin:0 0 10px;letter-spacing:-.02em;line-height:1.18}
.pagehead p{margin:0;color:#cfdbe6;max-width:66ch;font-size:16.5px}

.btns{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 26px;border-radius:4px;text-decoration:none;
  font-weight:600;font-size:15px;border:1.5px solid transparent;transition:.15s}
.btn-primary{background:var(--accent);color:#231a06;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-lt);border-color:var(--accent-lt)}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-2)}

/* trust bar */
.trust{display:grid;grid-template-columns:repeat(4,1fr);border-bottom:1px solid var(--line)}
.trust div{padding:20px 24px;border-right:1px solid var(--line)}
.trust div:last-child{border-right:none}
.trust b{display:block;font-size:13.5px;color:var(--navy)}
.trust span{font-size:12.5px;color:var(--muted)}

/* sections */
section{padding:64px 0}
section.tight{padding:48px 0}
.band{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:11.5px;color:var(--accent);
  font-weight:700;margin:0 0 12px}
h2{font-size:clamp(23px,3vw,30px);margin:0 0 18px;letter-spacing:-.016em;color:var(--navy);line-height:1.25}
h3{color:var(--navy);letter-spacing:-.01em}
.lede{max-width:72ch;color:#3c4c5c;font-size:16.5px}
.lede p{margin:0 0 16px}
.lede p:last-child{margin-bottom:0}
.prose{max-width:74ch}
.prose h2{margin-top:44px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:18px;margin:32px 0 8px}
.prose ul{padding-left:20px}
.prose li{margin-bottom:8px}

/* cards */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}
.cards.c3{grid-template-columns:repeat(3,1fr)}
.cards.c2{grid-template-columns:repeat(2,1fr)}
.card{border:1px solid var(--line);border-radius:6px;padding:24px;background:#fff}
.card .ico{width:34px;height:34px;border-radius:5px;background:#eef3f7;display:grid;
  place-items:center;margin-bottom:14px;font-size:16px;color:var(--navy)}
.card h3{margin:0 0 8px;font-size:15.5px;line-height:1.35}
.card p{margin:0;font-size:13.8px;color:var(--muted);line-height:1.6}
.card ul{margin:0;padding-left:18px;font-size:13.8px;color:var(--muted);line-height:1.7}

.split{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:6px;padding:26px}
.panel h3{margin:0 0 14px;font-size:12.5px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.kv{display:flex;justify-content:space-between;gap:16px;padding:10px 0;
  border-bottom:1px dashed var(--line);font-size:14px}
.kv:last-child{border-bottom:none}
.kv .k{color:var(--muted);flex:0 0 auto}
.kv .v{color:var(--ink);font-weight:600;text-align:right;word-break:break-word}
.kv .v a{color:var(--ink);text-decoration:none}
.kv .v a:hover{text-decoration:underline}

.checklist{list-style:none;padding:0;margin:0;max-width:72ch}
.checklist li{position:relative;padding-left:30px;margin-bottom:13px;color:#3c4c5c;font-size:15.6px}
.checklist li::before{content:"";position:absolute;left:0;top:9px;width:14px;height:8px;
  border-left:2.5px solid var(--accent);border-bottom:2.5px solid var(--accent);
  transform:rotate(-45deg)}

.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{max-width:58ch;margin:0 auto 26px;color:#cfdbe6;font-size:16.5px}
.cta-band .btns{justify-content:center}

/* contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start}
.cblock{margin-bottom:26px}
.cblock h3{font-size:12.5px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin:0 0 6px}
.cblock p{margin:0;font-size:16px}
.cblock a{color:var(--navy-2);text-decoration:none;font-weight:600}
.cblock a:hover{text-decoration:underline}
form label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin:0 0 6px}
form input,form select,form textarea{
  width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:4px;
  font-size:15px;font-family:inherit;margin-bottom:16px;background:#fff;color:var(--ink)}
form input:focus,form select:focus,form textarea:focus{
  outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(15,42,68,.09)}
form textarea{min-height:130px;resize:vertical}
.formnote{font-size:12.5px;color:var(--muted);margin:0 0 18px}

/* footer */
.site-foot{background:var(--navy-dk);color:#9fb2c4;padding:48px 0 28px;font-size:13.6px}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px;margin-bottom:30px}
.fgrid h4{margin:0 0 12px;color:#e3ebf2;font-size:12.5px;letter-spacing:.09em;text-transform:uppercase}
.fgrid p{margin:0 0 7px;line-height:1.6}
.fgrid a{color:#9fb2c4;text-decoration:none}
.fgrid a:hover{color:#fff;text-decoration:underline}
.fbot{border-top:1px solid #1c3247;padding-top:20px;display:flex;
  justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:12.6px}

@media(max-width:980px){
  .trust{grid-template-columns:repeat(2,1fr)}
  .trust div:nth-child(2){border-right:none}
  .trust div:nth-child(1),.trust div:nth-child(2){border-bottom:1px solid var(--line)}
  .cards,.cards.c3{grid-template-columns:repeat(2,1fr)}
  .split,.contact-grid{grid-template-columns:1fr;gap:30px}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  .navtoggle{display:block}
  .nav{display:none;width:100%;flex-direction:column;align-items:flex-start;gap:2px;
    padding:10px 0 6px;border-top:1px solid var(--line);margin-top:12px}
  .nav.open{display:flex}
  .nav a{width:100%;padding:11px 0;border-bottom:1px solid var(--line)}
  .nav a.btn-nav{text-align:center;margin-top:10px;border-bottom:none}
  .head-in{flex-wrap:wrap}
  section{padding:48px 0}
  .hero{padding:56px 0 50px}
}
@media(max-width:560px){
  .trust{grid-template-columns:1fr}
  .trust div{border-right:none;border-bottom:1px solid var(--line)}
  .cards,.cards.c3,.cards.c2{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
  .wrap{padding:0 20px}
}