:root{
  --navy:#0b2239;
  --navy2:#0a1b2d;
  --teal:#1c7a7a;
  --teal2:#156565;
  --gold:#caa24a;
  --bg:#f6f7f9;
  --card:#ffffff;
  --text:#0e1a24;
  --muted:#5b6b7a;
  --line:rgba(255,255,255,.12);
  --shadow: 0 12px 30px rgba(0,0,0,.12);
  --radius: 18px;
  --radius2: 26px;
  --max: 1120px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Helvetica Neue", Helvetica, sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,var(--navy) 0%, var(--navy) 320px, var(--bg) 321px, var(--bg) 100%);
}
a{color:inherit}
img{max-width:100%;height:auto;display:block}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}
.small{font-size:.92rem;color:var(--muted);line-height:1.5}
.pill{
  display:inline-flex;align-items:center;gap:8px;
  padding:6px 10px;border-radius:999px;background:rgba(255,255,255,.10);color:#fff;
  font-size:.86rem;
}
.topbar{background:linear-gradient(90deg,var(--navy2),var(--navy));color:#fff;border-bottom:1px solid var(--line)}
.topbar__inner{display:flex;align-items:center;justify-content:space-between;padding:10px 0;gap:12px}
.topbar__link{color:#fff;text-decoration:none;opacity:.95}
.topbar__link:hover{opacity:1;text-decoration:underline}
.topbar__sep{opacity:.5}
.navwrap{background:transparent}
.navwrap__inner{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:16px 0}
.brand{display:flex;align-items:center}
.brand img{filter: drop-shadow(0 10px 20px rgba(0,0,0,.22))}
.nav{display:flex;gap:18px;align-items:center}
.nav a{
  color:#fff;text-decoration:none;font-weight:600;opacity:.9;padding:10px 10px;border-radius:10px;
}
.nav a[aria-current="page"], .nav a:hover{opacity:1;background:rgba(255,255,255,.10)}
.nav-cta{display:flex;gap:10px;align-items:center}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:10px 14px;border-radius:999px;text-decoration:none;font-weight:700;
  border:1px solid rgba(255,255,255,.22);
}
.btn--primary{background:linear-gradient(180deg,var(--gold),#b48a2f);color:#13202a;border-color:rgba(0,0,0,.08)}

/* Ghost buttons need contrast on light sections; restore light-on-dark in dark bands */
.topbar .btn--ghost,
.hero .btn--ghost,
.footer .btn--ghost,
.darkband .btn--ghost{
  background:rgba(0,0,0,.22);
  color:#fff;
  border-color:rgba(255,255,255,.22);
}
.hero .btn--ghost:hover,
.topbar .btn--ghost:hover,
.footer .btn--ghost:hover,
.darkband .btn--ghost:hover{
  background:rgba(0,0,0,.30);
}

.btn--primary:hover{filter:brightness(1.03)}
.btn--ghost{background:rgba(10,27,45,.06);color:var(--text);border-color:rgba(10,27,45,.14)}
.btn--ghost:hover{background:rgba(255,255,255,.16)}
.nav-toggle{display:none;background:transparent;border:0;color:#fff}
.nav-toggle span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;border-radius:2px}

.sticky-cta{
  position:fixed;left:12px;right:12px;bottom:12px;z-index:50;
  display:flex;gap:10px;
}
.sticky-cta__btn{
  flex:1;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(180deg,var(--gold),#b48a2f);
  color:#13202a;text-decoration:none;font-weight:900;
  padding:12px 14px;border-radius:999px;box-shadow:var(--shadow);
}
.sticky-cta__btn--alt{
  background:linear-gradient(180deg,var(--teal),var(--teal2));
  color:#fff;
}
@media(min-width:860px){
  .sticky-cta{left:auto;right:22px;bottom:22px;width:360px}
}
@media(max-width:860px){
  .nav-cta{display:none}
  .nav{position:fixed;top:0;right:-100%;bottom:0;width:min(360px,92vw);
    background:linear-gradient(180deg,var(--navy),var(--navy2));
    padding:90px 18px 18px;flex-direction:column;align-items:stretch;gap:8px;
    transition:right .25s ease; box-shadow:var(--shadow); z-index:60;
  }
  body.nav-open .nav{right:0}
  .nav a{padding:14px 14px}
  .nav-toggle{display:inline-block}
}

.hero{
  padding:22px 0 28px;
  color:#fff;
}
.hero__grid{
  display:grid;grid-template-columns:1.2fr .8fr;gap:20px;align-items:stretch;
}
@media(max-width:860px){.hero__grid{grid-template-columns:1fr}}
.hero__card{
  background:linear-gradient(180deg,rgba(0,0,0,.38),rgba(0,0,0,.26));
  border:1px solid rgba(255,255,255,.18);
  border-radius:var(--radius2);padding:22px;box-shadow:0 20px 60px rgba(0,0,0,.20);
}
.hero h1{margin:0 0 10px;font-size: clamp(2rem, 3.6vw, 3.0rem);letter-spacing:-.02em}
.hero p{margin:0 0 16px;color:rgba(255,255,255,.88);line-height:1.6}
.hero__bullets{display:grid;gap:10px;margin:16px 0 0;padding:0;list-style:none}
.hero__bullets li{
  display:flex;gap:10px;align-items:flex-start;
  padding:10px 12px;border-radius:14px;background:rgba(0,0,0,.14);border:1px solid rgba(255,255,255,.14)
}
.badge{
  display:inline-flex;align-items:center;gap:8px;
  padding:8px 10px;border-radius:999px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.14);
  font-weight:800;font-size:.9rem
}
.kicker{color:rgba(255,255,255,.85);font-weight:700;margin-bottom:10px}

.section{padding:44px 0}
.section--tight{padding:28px 0}
.section--contrast{
  background:linear-gradient(180deg,#ffffff 0%, #f3f5f8 100%);
}
.section--stripe{
  background:linear-gradient(90deg, rgba(28,122,122,.12), rgba(202,162,74,.12));
}
.h2{font-size: clamp(1.4rem, 2.4vw, 2.0rem);margin:0 0 10px;letter-spacing:-.01em}
.lead{color:var(--muted);line-height:1.7;margin:0 0 18px}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:960px){.cards{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.cards{grid-template-columns:1fr}}
.card{
  position:relative;
  background:var(--card);border-radius:var(--radius);
  border:1px solid rgba(10,27,45,.08);
  box-shadow: 0 10px 30px rgba(10,27,45,.08);
  overflow:hidden;
}
.card__img{aspect-ratio: 16/10; background:#dbe3ea}
.card__body{padding:16px}
.card__title{margin:0 0 6px;font-size:1.15rem}
.card__body p{margin:0 0 12px;color:var(--muted);line-height:1.6}
.card__actions{display:flex;gap:10px;flex-wrap:wrap}
.link{
  color:var(--teal);font-weight:800;text-decoration:none
}
.link:hover{text-decoration:underline}

.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
@media(max-width:860px){.grid-2{grid-template-columns:1fr}}
.panel{
  background:linear-gradient(180deg,var(--navy2),var(--navy));
  color:#fff;border-radius:var(--radius2);
  padding:18px;border:1px solid rgba(255,255,255,.14);
}
.panel h3{margin:0 0 10px}
.panel p{margin:0;color:rgba(255,255,255,.86);line-height:1.7}
.checklist{margin:0;padding:0;list-style:none;display:grid;gap:10px}
.checklist li{
  padding:12px 14px;border-radius:16px;background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12);
}
.band{
  display:flex;gap:10px;flex-wrap:wrap;align-items:center
}
.band .btn{border-color:rgba(0,0,0,.08)}
.band .btn--primary{box-shadow:0 18px 40px rgba(202,162,74,.25)}

.faq{display:grid;gap:10px}
details{
  background:#fff;border-radius:16px;border:1px solid rgba(10,27,45,.10);box-shadow:0 8px 22px rgba(10,27,45,.06);
  padding:12px 14px;
}
summary{cursor:pointer;font-weight:900}
details p{margin:10px 0 0;color:var(--muted);line-height:1.7}

.site-footer{
  background:linear-gradient(180deg,var(--navy2),#071422);
  color:#fff;margin-top:36px;
}
.footer__grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:18px;padding:34px 0}
@media(max-width:860px){.footer__grid{grid-template-columns:1fr}}
.footer__brand{font-weight:900;font-size:1.1rem;margin-bottom:10px}
.footer__title{font-weight:900;margin-bottom:10px}
.footer__list{margin:0;padding-left:18px}
.footer__list a{color:#fff;text-decoration:none;opacity:.9}
.footer__list a:hover{opacity:1;text-decoration:underline}
.footer__contact a{color:#fff;text-decoration:none}
.footer__contact a:hover{text-decoration:underline}
.footer__bottom{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;padding:16px 0;border-top:1px solid rgba(255,255,255,.12)}
.footer__sep{opacity:.5}
.dot{opacity:.5;padding:0 6px}

/* Make whole cards clickable where we add .card__cover */
.card__cover{
  position:absolute;inset:0;z-index:1;
}
.card__body, .card__img, .card__actions{position:relative;z-index:2}