@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;1,400&family=Inter:wght@300;400;500;600&display=swap');
:root{
  --navy:#0f1f3d;--navy2:#1a3260;--navy3:#253d6e;
  --teal:#1D9E75;--teal2:#0F6E56;--teal-light:#e1f5ee;
  --gold:#C9A84C;--gold2:#e8d5b0;--gold-bg:#faeeda;
  --cream:#faf8f4;--white:#fff;
  --g50:#f7f6f3;--g100:#eeece7;--g200:#dbd8d0;--g300:#c5c2ba;
  --g500:#8c8880;--g700:#4a4740;--text:#1a1916;
  --r:8px;--rl:14px;--rxl:20px;
  --shadow:0 4px 24px rgba(15,31,61,.1);
  --shadow-lg:0 12px 48px rgba(15,31,61,.15);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;background:var(--cream);color:var(--text);line-height:1.6;font-size:16px}
a{text-decoration:none;color:inherit}
button{cursor:pointer;font-family:inherit}
h1,h2,h3{font-family:'Playfair Display',serif;font-weight:500;line-height:1.2}
h1{font-size:clamp(2rem,4.5vw,3.2rem)}
h2{font-size:clamp(1.5rem,3vw,2.2rem)}
h3{font-size:clamp(1.05rem,2vw,1.35rem)}
p{line-height:1.75;color:var(--g700)}
.eyebrow{font-size:.7rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);display:block;margin-bottom:.6rem}
.wrap{max-width:1080px;margin:0 auto;padding:0 1.5rem}
.section{padding:5rem 1.5rem}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}

/* NAV */
.nav{position:sticky;top:0;z-index:300;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.06)}
.nav-inner{display:flex;align-items:center;gap:1.5rem;padding:.85rem 1.5rem;max-width:1080px;margin:0 auto}
.nav-logo img{height:36px;object-fit:contain}
.nav-logo-text{font-family:'Playfair Display',serif;font-size:1.05rem;font-weight:600;color:#fff}
.nav-logo-text span{color:var(--gold)}
.nav-logo-sub{font-size:.55rem;color:var(--g300);letter-spacing:.1em;text-transform:uppercase;margin-top:1px}
.nav-links{display:flex;align-items:center;gap:.2rem;margin-left:auto;flex-wrap:wrap}
.nav-links a{font-size:.8rem;color:rgba(255,255,255,.6);padding:.38rem .65rem;border-radius:6px;transition:all .2s;white-space:nowrap}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav-dd{position:relative}
.nav-dd-menu{position:absolute;top:calc(100% + 8px);left:0;background:var(--navy2);border:1px solid rgba(255,255,255,.1);border-radius:var(--r);min-width:200px;padding:.4rem;opacity:0;visibility:hidden;transform:translateY(-6px);transition:all .2s;box-shadow:var(--shadow)}
.nav-dd:hover .nav-dd-menu{opacity:1;visibility:visible;transform:translateY(0)}
.nav-dd-menu a{display:block;padding:.5rem .85rem;border-radius:5px;font-size:.8rem;color:rgba(255,255,255,.7)}
.nav-dd-menu a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav-cta{background:var(--teal)!important;color:#fff!important;padding:.48rem 1.1rem!important;border-radius:7px!important;font-weight:600!important;margin-left:.5rem;transition:background .2s!important}
.nav-cta:hover{background:var(--teal2)!important}
.nav-burger{display:none;flex-direction:column;gap:5px;background:none;border:none;padding:4px;margin-left:auto}
.nav-burger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:all .2s}
.nav-mobile{display:none;flex-direction:column;background:var(--navy2);border-top:1px solid rgba(255,255,255,.08);padding:.75rem 1.5rem 1.25rem}
.nav-mobile a{display:block;padding:.6rem 0;color:rgba(255,255,255,.75);font-size:.88rem;border-bottom:1px solid rgba(255,255,255,.06);transition:all .2s}
.nav-mobile a:last-child{border:none}
.nav-mobile a:hover{color:#fff;padding-left:6px}
.nav-mobile-cta{margin-top:.75rem;background:var(--teal);color:#fff!important;text-align:center;border-radius:7px;padding:.7rem!important;font-weight:600;border:none!important}
@media(max-width:860px){.nav-links{display:none}.nav-burger{display:flex}}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:8px;padding:.75rem 1.6rem;border-radius:var(--r);font-size:.9rem;font-weight:600;border:none;transition:all .2s;white-space:nowrap;cursor:pointer}
.btn:hover{transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2);box-shadow:var(--shadow)}
.btn-teal{background:var(--teal);color:#fff}
.btn-teal:hover{background:var(--teal2);box-shadow:0 4px 16px rgba(29,158,117,.3)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold2);box-shadow:0 4px 16px rgba(201,168,76,.3)}
.btn-outline{background:transparent;color:var(--navy);border:1.5px solid var(--g200)}
.btn-outline:hover{border-color:var(--navy);background:var(--g50)}
.btn-outline-white{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.3)}
.btn-outline-white:hover{border-color:rgba(255,255,255,.7);background:rgba(255,255,255,.07)}
.btn-sm{padding:.52rem 1.1rem;font-size:.82rem}

/* BANNER */
.banner{background:var(--gold);padding:.8rem 1.5rem;text-align:center;font-size:.84rem;font-weight:600;color:var(--navy)}
.banner a{text-decoration:underline;color:var(--navy);margin-left:.35rem}

/* HERO */
.hero-dark{background:linear-gradient(145deg,#0f1f3d 0%,#152d55 55%,#0a1a30 100%);position:relative;overflow:hidden}
.hero-dark::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 65% 50% at 65% -5%,rgba(29,158,117,.12) 0%,transparent 65%),radial-gradient(ellipse 45% 35% at 5% 100%,rgba(201,168,76,.07) 0%,transparent 60%);pointer-events:none}

/* CARDS */
.card{background:var(--white);border-radius:var(--rl);border:1px solid var(--g100);padding:1.75rem;transition:all .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:var(--g200)}
.card-dark{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:var(--rl);padding:1.75rem;transition:all .2s}
.card-dark:hover{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.2)}

/* BADGE */
.badge{display:inline-block;font-size:.67rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:3px 10px;border-radius:20px}
.badge-teal{background:var(--teal-light);color:var(--teal2)}
.badge-gold{background:var(--gold-bg);color:#633806}
.badge-navy{background:rgba(15,31,61,.08);color:var(--navy)}
.badge-white{background:rgba(255,255,255,.12);color:rgba(255,255,255,.85);border:1px solid rgba(255,255,255,.2)}

/* FOOTER */
footer{background:var(--navy);border-top:1px solid rgba(255,255,255,.07);padding:3.5rem 1.5rem 2rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-logo{font-family:'Playfair Display',serif;font-size:1.05rem;font-weight:600;color:#fff;margin-bottom:.6rem}
.footer-logo span{color:var(--gold)}
.footer-desc{font-size:.78rem;color:rgba(255,255,255,.38);line-height:1.65}
.footer-col-title{font-size:.67rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--g300);margin-bottom:.8rem}
.footer-links{list-style:none}
.footer-links li{margin-bottom:.45rem}
.footer-links a{font-size:.78rem;color:rgba(255,255,255,.42);transition:color .2s}
.footer-links a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}
.footer-bottom p{font-size:.73rem;color:rgba(255,255,255,.22)}

/* FORM */
.form-group{display:flex;flex-direction:column;gap:5px;margin-bottom:1rem}
.form-group label{font-size:.8rem;font-weight:500;color:var(--g700)}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:.68rem .9rem;border:1.5px solid var(--g100);border-radius:var(--r);font-family:'Inter',sans-serif;font-size:.9rem;color:var(--text);background:var(--white);transition:all .2s;outline:none}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(29,158,117,.1)}
.form-group textarea{resize:vertical;min-height:100px;line-height:1.6}

/* UTILS */
.text-center{text-align:center}
.text-white{color:#fff!important}
.text-gold{color:var(--gold)}
.text-teal{color:var(--teal)}
.mt-2{margin-top:1rem}
.mt-3{margin-top:1.5rem}
.mt-4{margin-top:2.5rem}
.flex-center{display:flex;align-items:center;justify-content:center}
.flex-gap{display:flex;gap:1rem;flex-wrap:wrap}
.lead{font-size:1rem;color:var(--g700);line-height:1.75;max-width:560px}

/* STATS */
.stats-row{display:flex;gap:2.5rem;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.1);padding-top:2.25rem;margin-top:2.5rem;justify-content:center}
.stat-num{font-family:'Playfair Display',serif;font-size:1.9rem;font-weight:500;color:var(--gold);display:block;line-height:1}
.stat-label{font-size:.68rem;color:rgba(255,255,255,.42);letter-spacing:.07em;text-transform:uppercase;margin-top:4px}

/* ANIMATE */
@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
.fade-up{animation:fadeUp .6s ease both}
.d1{animation-delay:.1s}.d2{animation-delay:.22s}.d3{animation-delay:.34s}.d4{animation-delay:.46s}

/* PROCESS STEPS */
.process-step{display:flex;gap:1.25rem;align-items:flex-start;padding:1.25rem 0;border-bottom:1px solid var(--g100)}
.process-step:last-child{border-bottom:none}
.step-num{width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-size:.8rem;font-weight:600;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.step-teal{background:var(--teal)}

/* RESPONSIVE */
@media(max-width:900px){.grid3{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:1.5rem}}
@media(max-width:640px){.grid2,.grid3{grid-template-columns:1fr}.section{padding:3.5rem 1.25rem}.footer-grid{grid-template-columns:1fr}}