:root{
  --navy:#183b45;
  --navy2:#102d35;
  --sage:#879b88;
  --cream:#f7f3eb;
  --white:#fff;
  --ink:#243238;
  --muted:#66757a;
  --line:#dce3de;
  --gold:#c7a66a;
  --shadow:0 18px 50px rgba(16,45,53,.12);
  --radius:18px;
}
*{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(--ink);background:var(--cream);line-height:1.7}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(1120px,92%);margin:auto}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.logo{font-weight:850;letter-spacing:.16em;text-decoration:none;color:var(--navy);font-size:18px}
nav{display:flex;gap:24px;align-items:center;flex-wrap:wrap}
nav a{text-decoration:none;font-weight:650;font-size:14px;color:#42545a}
nav a:hover{color:var(--gold)}
.menu-toggle{display:none;border:0;background:none;font-size:25px}
.hero{background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff;padding:95px 0 100px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:12px;color:var(--gold);margin:0 0 14px}
h1,h2,h3{line-height:1.15;color:var(--navy)}
.hero h1{font-size:clamp(42px,6vw,72px);margin:0 0 22px;color:#fff;letter-spacing:-.04em}
.hero p{font-size:19px;max-width:680px;color:#dbe6e5}
.button{display:inline-block;background:var(--gold);color:#172d31;padding:13px 21px;border-radius:999px;text-decoration:none;font-weight:800;margin:8px 8px 0 0}
.button.secondary{background:#fff;color:var(--navy)}
.hero-card{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.hero-card h3{color:#fff;margin-top:0}
.hero-card p{font-size:15px;margin:8px 0;color:#e2eceb}
.section{padding:82px 0}
.section.alt{background:#fff}
.section-head{max-width:720px;margin-bottom:38px}
.section h2{font-size:clamp(32px,4vw,48px);margin:0 0 15px;letter-spacing:-.03em}
.section-head p{color:var(--muted);font-size:17px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 8px 30px rgba(16,45,53,.05)}
.card h3{margin:0 0 10px;font-size:22px}
.card p{color:var(--muted);margin:0 0 16px}
.card a{font-weight:800;color:var(--navy);text-decoration:none}
.features{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.feature{padding:22px;border-left:3px solid var(--gold);background:#fff;border-radius:0 14px 14px 0}
.feature strong{display:block;color:var(--navy);font-size:18px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}
.panel{background:var(--navy);color:#fff;padding:38px;border-radius:var(--radius);box-shadow:var(--shadow)}
.panel h2{color:#fff}
.panel p{color:#dce7e6}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-top:28px}
.stat{background:rgba(255,255,255,.08);padding:18px;border-radius:12px}
.stat b{display:block;font-size:25px;color:var(--gold)}
.page-hero{padding:72px 0;background:var(--navy);color:#fff}
.page-hero h1{color:#fff;font-size:clamp(38px,5vw,60px);margin:0 0 12px}
.page-hero p{max-width:760px;color:#d9e5e4;font-size:18px}
.article{max-width:820px;padding:65px 0}
.article h2{font-size:31px;margin-top:44px}
.article h3{font-size:23px;margin-top:30px}
.article p,.article li{font-size:17px;color:#46565b}
.article-cta{margin-top:50px;padding:34px;background:var(--navy);border-radius:var(--radius);color:#fff}
.article-cta h2{color:#fff;margin-top:0}
.article-cta p{color:#dce7e6}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.blog-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.blog-card .top{height:120px;background:linear-gradient(135deg,#dfe7df,#b9c7bb);display:flex;align-items:flex-end;padding:20px}
.blog-card .top span{background:var(--navy);color:#fff;border-radius:999px;padding:5px 10px;font-size:11px;font-weight:800}
.blog-card .body{padding:25px}
.blog-card h3{margin:0 0 10px;font-size:21px}
.blog-card p{color:var(--muted);font-size:15px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px}
.contact-box{background:#fff;border:1px solid var(--line);padding:30px;border-radius:var(--radius)}
.contact-box a{color:var(--navy);font-weight:750}
footer{background:#102d35;color:#dbe6e5;padding:45px 0}
footer strong{color:#fff}
footer p{margin:7px 0;font-size:14px}
.notice{background:#fff4d8;border:1px solid #ead49c;padding:16px 20px;border-radius:12px;margin:25px 0}
@media(max-width:800px){
 nav{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;padding:20px 4%;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}
 nav.open{display:flex}
 .menu-toggle{display:block}
 .hero-grid,.split,.contact-grid{grid-template-columns:1fr}
 .cards,.blog-grid{grid-template-columns:1fr}
 .features,.stats{grid-template-columns:1fr}
 .hero{padding:65px 0}
 .section{padding:60px 0}
}