:root{--navy:#0B1F3A;--navy2:#132d52;--gold:#C9A227;--ink:#1d2433;--bg:#f6f7fa}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}section{padding:72px 0}.band{background:var(--bg)}
h1,h2,h3{color:var(--navy);line-height:1.2}h2{font-size:2rem;margin:0 0 12px}h2::after{content:"";display:block;width:56px;height:4px;background:var(--gold);margin-top:12px}
.nav{position:sticky;top:0;z-index:9;background:var(--navy);box-shadow:0 2px 10px #0003}.navin{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.3rem;color:#fff;text-decoration:none;letter-spacing:.5px;margin:0}.logo span{color:var(--gold)}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}nav a{color:#dfe6f2;text-decoration:none;font-size:.95rem}nav a:hover{color:var(--gold)}
.btn{display:inline-block;background:var(--gold);color:var(--navy)!important;font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}.btn.sm{padding:7px 14px}
.btn.ghost{background:transparent;border:2px solid var(--gold);color:#fff!important}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#e8edf5;padding:110px 0}.hero h1{color:#fff;font-size:clamp(2rem,5vw,3.4rem);margin:8px 0 18px}.hero h1 span{color:var(--gold)}
.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:2px;font-size:.8rem;font-weight:700}.lead{font-size:1.2rem;max-width:720px}.ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.lead2{font-size:1.1rem;max-width:820px}.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:24px 0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:16px 0 32px}
.card{background:#fff;border:1px solid #e3e7ef;border-radius:12px;padding:24px;box-shadow:0 4px 16px #0b1f3a0f}.card h3{margin-top:0}.card.gold{border-top:4px solid var(--gold)}.note{margin-top:8px}
.muted{color:#5a6478}.sub{margin-top:32px}
.checks{list-style:none;padding:0;margin:0}.checks li{padding-left:28px;position:relative;margin:10px 0}.checks li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}.steps li{background:#fff;border-radius:12px;padding:24px;counter-increment:s;border:1px solid #e3e7ef}
.steps li::before{content:counter(s);display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800}.steps h3{margin:12px 0 6px}.steps p{margin:0}
details{background:#fff;border:1px solid #e3e7ef;border-radius:10px;margin:10px 0;padding:14px 18px}summary{cursor:pointer;font-weight:700;color:var(--navy)}details p{margin:10px 0 0}
.ph{background:#fff8e1;border-left:4px solid var(--gold);padding:14px 18px;border-radius:6px}
form label{display:block;font-weight:600;margin-bottom:14px;color:var(--navy)}input,select,textarea{display:block;width:100%;margin-top:6px;padding:10px;border:1px solid #c9d0dc;border-radius:8px;font:inherit}
footer{background:var(--navy);color:#b9c4d6;padding:36px 0;font-size:.9rem}.small{font-size:.8rem}
@media(max-width:860px){.two,.grid2,.grid3,.steps{grid-template-columns:1fr}nav{gap:10px 14px}nav a{font-size:.85rem}.navin{padding:10px 20px}section{padding:52px 0}.hero{padding:64px 0}}
/* contact form states */
.hp{position:absolute!important;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-status{margin:.75rem 0 0;padding:.75rem 1rem;border-radius:8px;font-weight:600}
.form-status.ok{background:#0B1F3A;color:#fff;border-left:4px solid #C9A227}
.form-status.err{background:#fdecec;color:#8a1c1c;border-left:4px solid #c0392b}
#contact-form button[disabled]{opacity:.6;cursor:wait}