:root{
  --navy:#0b2545;--navy-2:#13315c;--gold:#f4a300;--gold-2:#ffb733;
  --bg:#f7f9fc;--surface:#ffffff;--ink:#0e1a2b;--muted:#5a6a82;--line:#e6ebf2;
  --radius:14px;--shadow:0 10px 30px rgba(11,37,69,.10);
  --max:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--gold)}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-family:'Poppins','Inter',sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3.2rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}

/* Top bar */
.topbar{background:var(--navy);color:#cfe0ff;font-size:.875rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding:8px 20px;gap:12px;flex-wrap:wrap}
.topbar a{color:#cfe0ff}
.topbar a:hover{color:var(--gold-2)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 10px rgba(11,37,69,.06)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:12px 20px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:1.15rem}
.brand img{height:42px;width:auto}
.nav{display:flex;align-items:center;gap:6px}
.nav a{padding:10px 14px;border-radius:8px;font-weight:600;color:var(--navy);font-size:.95rem}
.nav a:hover,.nav a.active{background:#f1f5fb;color:var(--navy)}
.header-cta{display:flex;align-items:center;gap:10px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 18px;border-radius:10px;font-weight:700;font-size:.95rem;
  border:2px solid transparent;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--gold);color:#1a1300;box-shadow:0 6px 16px rgba(244,163,0,.35)}
.btn-primary:hover{background:var(--gold-2);color:#1a1300}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);color:#fff}

/* Mobile nav */
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer;padding:6px}
@media (max-width:900px){
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;
    padding:14px;border-top:1px solid var(--line);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav a{width:100%}
  .menu-toggle{display:block}
  .header-cta .btn-dark{display:none}
}

/* Hero */
.hero{position:relative;color:#fff;overflow:hidden;
  background:linear-gradient(120deg, rgba(11,37,69,.85), rgba(19,49,92,.7)),
   url('assets/images/hero.jpg') center/cover no-repeat}
.hero-inner{padding:90px 20px 100px;max-width:var(--max);margin:0 auto}
.hero h1{color:#fff;max-width:780px}
.hero .lead{font-size:1.15rem;max-width:680px;color:#e6eefb}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.hero-meta{margin-top:30px;display:flex;flex-wrap:wrap;gap:24px;color:#cfe0ff;font-size:.95rem}
.hero-meta span{display:inline-flex;align-items:center;gap:8px}

/* Page banner */
.page-banner{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:60px 20px}
.page-banner h1{color:#fff;margin-bottom:.3em}
.page-banner p{color:#cfe0ff;max-width:700px;margin:0}
.crumbs{font-size:.9rem;color:#9fb6dc;margin-bottom:8px}
.crumbs a{color:#cfe0ff}

/* Sections */
section{padding:70px 0}
.section-title{text-align:center;max-width:720px;margin:0 auto 40px}
.section-title p{color:var(--muted)}

/* Cards grid */
.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;
  display:flex;flex-direction:column;transition:transform .2s ease, box-shadow .2s ease}
.card:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(11,37,69,.15)}
.card img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card-body{padding:22px;flex:1;display:flex;flex-direction:column}
.card-body h3{margin-bottom:8px}
.card-body p{color:var(--muted);flex:1}
.card-link{margin-top:14px;font-weight:700;color:var(--navy)}
.card-link:after{content:" →"}

/* Feature row */
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:50px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.split img{border-radius:var(--radius);box-shadow:var(--shadow)}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:30px}
@media (max-width:700px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat{background:#fff;padding:22px;border-radius:var(--radius);text-align:center;border:1px solid var(--line)}
.stat b{display:block;font-size:1.8rem;color:var(--gold);font-family:'Poppins',sans-serif}
.stat span{color:var(--muted);font-size:.92rem}

/* Areas */
.areas-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px}
.area-pill{background:#fff;border:1px solid var(--line);padding:14px 16px;border-radius:10px;
  display:flex;justify-content:space-between;align-items:center;font-weight:600;color:var(--navy);transition:.15s}
.area-pill:hover{border-color:var(--gold);box-shadow:0 6px 16px rgba(244,163,0,.18);color:var(--navy)}
.area-pill small{color:var(--muted);font-weight:500}

/* Testimonials */
.quote{background:#fff;padding:26px;border-radius:var(--radius);border:1px solid var(--line);position:relative}
.quote:before{content:"“";position:absolute;top:-18px;left:18px;font-size:4rem;color:var(--gold);font-family:Georgia,serif;line-height:1}
.quote p{color:#2c3a52;font-style:italic}
.quote .who{display:flex;align-items:center;gap:10px;margin-top:14px;color:var(--muted);font-size:.9rem}
.quote .who b{color:var(--navy)}
.stars{color:var(--gold)}

/* FAQ */
.faq{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:6px 18px;transition:.15s}
.faq details[open]{border-color:var(--gold)}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:14px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;top:12px;font-size:1.6rem;color:var(--gold);font-weight:300}
.faq details[open] summary:after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:14px;margin:0}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
.contact-info{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.contact-info h3{margin-top:0}
.info-row{display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line)}
.info-row:last-child{border-bottom:0}
.info-row .ico{width:38px;height:38px;border-radius:10px;background:#f1f5fb;color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:600px){.form .row{grid-template-columns:1fr}}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
  font:inherit;color:var(--ink);background:#fafcff;transition:.15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);background:#fff}
.field textarea{min-height:120px;resize:vertical}
.map{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin-top:30px}
.map iframe{width:100%;height:380px;border:0;display:block}

/* CTA strip */
.cta-strip{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;text-align:center;padding:60px 20px}
.cta-strip h2{color:#fff}
.cta-strip p{color:#cfe0ff;max-width:600px;margin:0 auto 22px}
.cta-actions{display:flex;justify-content:center;flex-wrap:wrap;gap:12px}

/* Legal pages */
.prose{max-width:860px;margin:0 auto;background:#fff;padding:40px;border-radius:var(--radius);border:1px solid var(--line)}
.prose h2{margin-top:1.6em}
.prose ul{padding-left:20px}

/* Footer */
.site-footer{background:#081a32;color:#a9bcd8;padding:60px 0 0;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:1rem;margin:0 0 14px;letter-spacing:.04em;text-transform:uppercase}
.site-footer a{color:#a9bcd8;display:block;padding:4px 0}
.site-footer a:hover{color:var(--gold-2)}
.footer-brand p{font-size:.92rem}
.footer-brand .brand{color:#fff;margin-bottom:14px}
.footer-bottom{border-top:1px solid #14284a;margin-top:40px;padding:18px 0;text-align:center;font-size:.85rem;color:#7c8db0}
.footer-bottom a{display:inline;margin:0 6px}

/* Misc */
.tag{display:inline-block;background:rgba(244,163,0,.15);color:var(--gold);font-weight:700;font-size:.78rem;
  padding:6px 12px;border-radius:999px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.checklist{list-style:none;padding:0;margin:14px 0}
.checklist li{padding:8px 0 8px 30px;position:relative;color:#2c3a52}
.checklist li:before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;
  background:var(--gold);color:#1a1300;font-size:.8rem;font-weight:800;display:flex;align-items:center;justify-content:center}