:root {
  --navy: #071f3d;
  --navy-2: #0b2d54;
  --gold: #d4a84f;
  --cream: #f7f2e8;
  --white: #ffffff;
  --text: #152033;
  --muted: #667085;
  --border: #e7dfcf;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.6;
}
a { color: inherit; }
.container { width: min(1120px, 92%); margin: 0 auto; }
.narrow { width: min(760px, 92%); }
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid #ececec;
  backdrop-filter: blur(12px);
}
.nav { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark, .mini-mark {
  display: grid; place-items: center;
  color: var(--gold); border: 1px solid var(--gold);
  font-family: Georgia, serif; font-weight: 700;
}
.brand-mark { width: 48px; height: 48px; border-radius: 50%; }
.brand strong { display: block; letter-spacing: .02em; }
.brand span { display: block; font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: .13em; }
nav { display: flex; align-items: center; gap: 22px; }
nav a { text-decoration: none; font-size: 14px; }
.nav-cta { padding: 10px 16px; border-radius: 999px; background: var(--navy); color: #fff; }
.hero {
  background:
    radial-gradient(circle at 80% 20%, rgba(212,168,79,.20), transparent 28%),
    linear-gradient(135deg, var(--navy), #031426);
  color: white;
  padding: 96px 0;
}
.hero-grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: 64px; align-items: center; }
.eyebrow { color: var(--gold); font-weight: 700; letter-spacing: .18em; font-size: 12px; }
h1, h2, h3 { font-family: Georgia, "Times New Roman", serif; line-height: 1.12; margin-top: 0; }
h1 { font-size: clamp(42px, 7vw, 74px); margin-bottom: 24px; max-width: 820px; }
h2 { font-size: clamp(32px, 5vw, 48px); margin-bottom: 20px; }
h3 { font-size: 24px; margin-bottom: 10px; }
.lead { font-size: 20px; color: #dce6f0; max-width: 700px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.btn { display: inline-block; padding: 14px 22px; border-radius: 8px; text-decoration: none; font-weight: 700; }
.btn-primary { background: var(--gold); color: #172032; }
.btn-secondary { border: 1px solid rgba(255,255,255,.4); color: white; }
.rate-note { margin-top: 22px; color: #f3dfb5; }
.hero-card {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  padding: 32px; border-radius: 18px; box-shadow: 0 20px 60px rgba(0,0,0,.25);
}
.mini-mark { width: 72px; height: 72px; border-radius: 50%; margin-bottom: 22px; font-size: 28px; }
.hero-card h2 { font-size: 28px; margin-bottom: 6px; }
.hero-card p { color: #dce6f0; }
.divider { height: 1px; background: rgba(212,168,79,.5); margin: 20px 0; }
.feature-list { padding-left: 18px; margin: 0; }
.section { padding: 88px 0; }
.section-dark { background: var(--cream); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.info-card {
  background: #fff; padding: 28px; border: 1px solid var(--border);
  border-radius: 14px; box-shadow: 0 10px 30px rgba(10,30,60,.05);
}
.requirements-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { padding: 12px 0 12px 34px; position: relative; border-bottom: 1px solid #eee; }
.check-list li::before {
  content: "✓"; position: absolute; left: 0; top: 11px;
  width: 22px; height: 22px; display: grid; place-items: center;
  background: var(--navy); color: var(--gold); border-radius: 50%; font-size: 12px; font-weight: 900;
}
.small { margin-top: 22px; color: var(--muted); font-size: 13px; }
.contact-section { background: var(--navy); color: white; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-card { background: white; color: var(--text); padding: 30px; border-radius: 16px; }
.contact-card a { color: var(--navy-2); text-decoration: none; font-weight: 700; }
footer { background: #031426; color: #cbd5e1; padding: 32px 0; }
.footer-inner { display: grid; grid-template-columns: .6fr 1.4fr; gap: 40px; align-items: start; }
.footer-inner p { margin: 6px 0 0; }
.legal { font-size: 12px; color: #9fb0c3; }
@media (max-width: 800px) {
  nav a:not(.nav-cta) { display: none; }
  .hero { padding: 72px 0; }
  .hero-grid, .cards, .requirements-grid, .contact-grid, .footer-inner { grid-template-columns: 1fr; }
  .hero-grid { gap: 32px; }
  h1 { font-size: 48px; }
}