:root {
  --navy: #0f3d6e;
  --navy-dark: #0a2a4d;
  --navy-light: #1b5691;
  --amber: #e8a33d;
  --amber-dark: #c9862a;
  --ink: #16202e;
  --body: #4a5a6e;
  --muted: #7b8a9c;
  --line: #e2e8f0;
  --surface: #f6f8fb;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(16, 32, 51, 0.04), 0 8px 24px rgba(16, 32, 51, 0.06);
  --wrap: 1120px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--body);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  color: var(--ink);
  line-height: 1.2;
  margin: 0 0 0.6em;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2rem, 5vw, 3.1rem); }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.2rem); }
h3 { font-size: 1.125rem; }

p { margin: 0 0 1.1em; }

a { color: var(--navy-light); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; }

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 88px 0; }
.section--tint { background: var(--surface); border-block: 1px solid var(--line); }

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber-dark);
  margin-bottom: 12px;
}

.lede { font-size: 1.075rem; max-width: 62ch; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 68px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.brand:hover { text-decoration: none; }

.brand__mark {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 9px;
  background: linear-gradient(145deg, var(--navy), var(--navy-light));
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.02em;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 28px;
  font-size: 0.94rem;
  font-weight: 500;
}
.nav__links a { color: var(--body); }
.nav__links a:hover { color: var(--navy); text-decoration: none; }

.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 10px;
  font-weight: 650;
  font-size: 0.95rem;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.12s ease, background 0.15s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }

.btn--primary { background: var(--navy); color: var(--white); }
.btn--primary:hover { background: var(--navy-dark); }

.btn--ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn--ghost:hover { border-color: var(--navy); color: var(--navy); }

.btn--light { background: var(--white); color: var(--navy); }
.btn--light:hover { background: #eef3f9; }

.btn--outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.45);
}
.btn--outline-light:hover { background: rgba(255, 255, 255, 0.12); }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1000px 460px at 82% -10%, rgba(232, 163, 61, 0.16), transparent 62%),
    linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 55%, var(--navy-light) 100%);
  color: rgba(255, 255, 255, 0.86);
  padding: 96px 0 84px;
}

.hero h1 { color: var(--white); max-width: 16ch; }
.hero .lede { color: rgba(255, 255, 255, 0.82); font-size: 1.14rem; }

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

.hero__stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 20px;
  margin-top: 56px;
  padding-top: 36px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
}

.stat__value {
  display: block;
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}
.stat__label {
  font-size: 0.86rem;
  color: rgba(255, 255, 255, 0.66);
}

/* ---------- Cards ---------- */
.grid {
  display: grid;
  gap: 22px;
  margin-top: 44px;
}
.grid--3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid--2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}

.card__icon {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 11px;
  background: rgba(15, 61, 110, 0.07);
  color: var(--navy);
  margin-bottom: 16px;
}
.card__icon svg { width: 22px; height: 22px; }

.card p:last-child { margin-bottom: 0; }

/* ---------- Split ---------- */
.split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}

.checklist {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 14px;
}
.checklist li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.checklist svg {
  flex: none;
  width: 20px;
  height: 20px;
  margin-top: 3px;
  color: var(--amber-dark);
}
.checklist strong { color: var(--ink); }

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 22px;
  margin-top: 40px;
}

.contact-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
}
.contact-card h3 {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--muted);
  margin-bottom: 10px;
}
.contact-card p { margin: 0; color: var(--ink); font-weight: 550; }
.contact-card p + p { margin-top: 4px; }
.contact-card .sub { color: var(--body); font-weight: 400; font-size: 0.93rem; }

/* ---------- CTA band ---------- */
.cta {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-light));
  color: rgba(255, 255, 255, 0.85);
  text-align: center;
  padding: 72px 0;
}
.cta h2 { color: var(--white); }
.cta .lede { margin-inline: auto; color: rgba(255, 255, 255, 0.82); }
.cta__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
  margin-top: 28px;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink);
  color: rgba(255, 255, 255, 0.62);
  padding: 56px 0 32px;
  font-size: 0.93rem;
}
.site-footer a { color: rgba(255, 255, 255, 0.82); }

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
}
.footer-grid h4 {
  color: var(--white);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 14px;
}
.footer-grid ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 9px;
}
.site-footer .brand { color: var(--white); margin-bottom: 14px; }

.footer-bottom {
  margin-top: 44px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: space-between;
  font-size: 0.87rem;
}

/* ---------- Legal pages ---------- */
.legal { padding: 64px 0 88px; }
.legal .wrap { max-width: 760px; }
.legal h2 { font-size: 1.35rem; margin-top: 40px; }
.legal ul { padding-left: 20px; }
.legal li { margin-bottom: 8px; }
.legal .updated { color: var(--muted); font-size: 0.92rem; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .split { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 64px 0; }
}

@media (max-width: 620px) {
  .nav__links { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero { padding: 64px 0 56px; }
  .hero__stats { margin-top: 40px; }
}