:root {
  --ink: #14202e;
  --muted: #5a6778;
  --line: #e4e8ee;
  --bg: #ffffff;
  --soft: #f5f7fa;
  --navy: #0f2a47;
  --brand: #1d4f82;
  --gold: #c8973e;
  --serif: Georgia, "Times New Roman", serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 24px; }
a { color: var(--brand); }

header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
header .wrap {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 8px 24px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.logo {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: 0.01em;
}
.logo span { color: var(--gold); }
nav a {
  margin-left: 24px;
  color: var(--muted);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
}
nav a:first-child { margin-left: 0; }
nav a:hover { color: var(--navy); }

.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a426e 100%);
  color: #fff;
  padding: 104px 0 112px;
}
.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero h1 {
  font-family: var(--serif);
  font-weight: 700;
  font-size: clamp(2rem, 5vw, 3.2rem);
  line-height: 1.15;
  margin: 0 0 20px;
  max-width: 780px;
}
.hero p { font-size: 1.15rem; color: #c9d5e3; max-width: 620px; margin: 0 0 32px; }
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  padding: 13px 26px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 700;
  transition: transform 0.15s, box-shadow 0.15s;
}
.btn:hover { transform: translateY(-1px); box-shadow: 0 6px 18px rgba(0, 0, 0, 0.25); }

.facts { background: var(--soft); border-bottom: 1px solid var(--line); }
.facts .wrap {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px 32px;
  padding-top: 26px;
  padding-bottom: 26px;
}
.facts div { font-size: 0.95rem; color: var(--muted); }
.facts strong { display: block; color: var(--navy); font-size: 1rem; }

section { padding: 80px 0; }
section.alt { background: var(--soft); }
h2 {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  line-height: 1.2;
  color: var(--navy);
  margin: 0 0 18px;
}
h2::after {
  content: "";
  display: block;
  width: 48px;
  height: 3px;
  background: var(--gold);
  margin-top: 14px;
}
h3 { font-size: 1.08rem; margin: 0 0 8px; color: var(--navy); }
.lead { max-width: 720px; color: var(--muted); font-size: 1.05rem; }
.lead + .lead { margin-top: 0; }

.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; margin-top: 36px; }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 28px;
  transition: box-shadow 0.2s, transform 0.2s;
}
.card:hover { box-shadow: 0 10px 28px rgba(15, 42, 71, 0.08); transform: translateY(-2px); }
.card p { margin: 0; color: var(--muted); font-size: 0.97rem; }
.icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: #eaf0f7;
  color: var(--brand);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}
.icon svg { width: 22px; height: 22px; }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 36px 0 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px; }
.steps li { counter-increment: step; border-top: 2px solid var(--line); padding-top: 18px; }
.steps li::before {
  content: "0" counter(step);
  display: block;
  font-family: var(--serif);
  font-size: 1.5rem;
  color: var(--gold);
  margin-bottom: 6px;
}
.steps p { margin: 0; color: var(--muted); font-size: 0.97rem; }

.contact-box {
  margin-top: 32px;
  background: var(--navy);
  color: #fff;
  border-radius: 12px;
  padding: 36px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.contact-box strong { display: block; font-family: var(--serif); font-size: 1.25rem; margin-bottom: 4px; }
.contact-box span { color: #c9d5e3; }

.legal { padding-top: 56px; padding-bottom: 72px; max-width: 780px; }
.legal h1 { font-family: var(--serif); color: var(--navy); font-size: 2.1rem; margin: 0 0 4px; }
.legal h2 { font-family: inherit; font-size: 1.15rem; margin: 30px 0 8px; }
.legal h2::after { display: none; }
.legal .date { color: var(--muted); margin: 0 0 28px; }

footer { background: #0b1f35; padding: 32px 0; font-size: 0.9rem; color: #9fb0c4; }
footer .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 24px; }
footer a { color: #9fb0c4; margin-left: 20px; text-decoration: none; }
footer a:first-child { margin-left: 0; }
footer a:hover { color: #fff; }

@media (max-width: 600px) {
  .hero { padding: 72px 0 80px; }
  section { padding: 56px 0; }
  nav a { margin-left: 16px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn, .card { transition: none; }
}