:root {
  --navy:#0F2340; --navy2:#162D50; --gold:#C9A84C; --lgold:#E8C97A;
  --white:#FFFFFF; --offwhite:#F7F8FA; --gray:#8A9BB0; --text:#1A2B40;
  --muted:#64758A; --line:rgba(15,35,64,0.10); --shadow:0 12px 38px rgba(15,35,64,0.12);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--text);background:var(--white);overflow-x:hidden}
a{color:inherit}
nav{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;align-items:center;justify-content:space-between;padding:0 5%;height:80px;background:rgba(15,35,64,0.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(201,168,76,0.2)}
.nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none}.nav-logo img{width:52px;height:52px;object-fit:contain;border-radius:50%;background:#0F2340;filter:drop-shadow(0 0 6px rgba(201,168,76,0.35))}.nav-name{font-size:15px;font-weight:700;color:var(--white);letter-spacing:2px;text-transform:uppercase}.nav-links{display:flex;gap:26px;list-style:none;align-items:center}.nav-links a{color:rgba(255,255,255,0.76);text-decoration:none;font-size:13px;font-weight:600;letter-spacing:.35px;transition:color .2s}.nav-links a:hover,.nav-links a.active{color:var(--gold)}.nav-cta{background:var(--gold)!important;color:var(--navy)!important;padding:8px 19px!important;border-radius:4px;font-weight:800!important}.nav-cta:hover{background:var(--lgold)!important}.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px;z-index:200}.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;transition:.3s}.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.hamburger.open span:nth-child(2){opacity:0}.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.mobile-menu{display:none;position:fixed;top:80px;left:0;right:0;bottom:0;background:rgba(15,35,64,.985);z-index:99;flex-direction:column;align-items:center;justify-content:center;gap:28px}.mobile-menu.open{display:flex}.mobile-menu a{color:var(--white);text-decoration:none;font-size:22px;font-family:'Cormorant Garamond',serif}.mobile-menu a.active,.mobile-menu a:hover{color:var(--gold)}.mobile-menu .mob-cta{background:var(--gold);color:var(--navy)!important;padding:12px 30px;border-radius:4px;font-family:'DM Sans',sans-serif;font-size:15px;font-weight:800}
.hero,.page-hero{background:var(--navy);position:relative;overflow:hidden}.hero{min-height:100vh;display:flex;align-items:center;padding:124px 5% 86px}.page-hero{padding:150px 5% 92px}.hero::before,.page-hero::before{content:'';position:absolute;top:-24%;right:-12%;width:720px;height:720px;border-radius:50%;border:1px solid rgba(201,168,76,.09);animation:pulse 9s ease-in-out infinite}.hero::after,.page-hero::after{content:'';position:absolute;bottom:-18%;left:-8%;width:460px;height:460px;border-radius:50%;border:1px solid rgba(201,168,76,.055);animation:pulse 9s ease-in-out infinite 2s}@keyframes pulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.055);opacity:.58}}
.hero-inner,.page-inner{max-width:1200px;margin:0 auto;position:relative;z-index:2}.hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:68px;align-items:center}.eyebrow{font-size:11px;font-weight:800;color:var(--gold);letter-spacing:3.6px;text-transform:uppercase;margin-bottom:16px}.hero h1,.page-hero h1{font-family:'Cormorant Garamond',serif;font-weight:300;line-height:1.08;color:var(--white)}.hero h1{font-size:clamp(44px,5.4vw,70px);margin-bottom:22px}.page-hero h1{font-size:clamp(40px,5vw,64px);max-width:940px;margin-bottom:22px}.hero h1 em,.page-hero h1 em,.section-title em{font-style:italic;color:var(--gold)}.hero-desc,.page-desc{font-size:15.5px;line-height:1.82;color:rgba(255,255,255,.70);max-width:700px}.hero-desc{margin-bottom:38px}.page-desc{margin-bottom:34px}.hero-actions,.cta-actions{display:flex;gap:16px;flex-wrap:wrap}.btn-primary,.btn-outline,.btn-dark{display:inline-block;text-decoration:none;padding:14px 30px;border-radius:4px;font-size:13.5px;font-weight:800;letter-spacing:.4px;transition:transform .2s,background .2s,border-color .2s}.btn-primary{background:var(--gold);color:var(--navy)}.btn-primary:hover{background:var(--lgold);transform:translateY(-2px)}.btn-outline{border:1px solid rgba(201,168,76,.58);color:var(--gold)}.btn-outline:hover{border-color:var(--gold);transform:translateY(-2px)}.btn-dark{background:var(--navy);color:var(--white)}.btn-dark:hover{background:var(--navy2);transform:translateY(-2px)}
.hero-panel{display:grid;grid-template-columns:1fr 1fr;gap:16px}.panel-card{background:rgba(255,255,255,.045);border:1px solid rgba(201,168,76,.18);border-radius:10px;padding:24px;border-left:3px solid var(--gold);min-height:158px}.panel-card .num{font-family:'Cormorant Garamond',serif;font-size:35px;color:var(--gold);line-height:1;margin-bottom:10px}.panel-card h3{font-size:14px;color:var(--white);margin-bottom:8px}.panel-card p{font-size:12.5px;line-height:1.62;color:var(--gray)}
section{padding:94px 5%}.section-inner{max-width:1200px;margin:0 auto}.section-head{max-width:790px;margin-bottom:50px}.section-title{font-family:'Cormorant Garamond',serif;font-size:clamp(32px,4vw,52px);font-weight:400;line-height:1.13;color:var(--navy);margin-bottom:16px}.section-subtitle{font-size:15.5px;line-height:1.78;color:var(--muted)}.gold-divider{width:48px;height:2px;background:var(--gold);margin:0 0 26px}.bg-navy{background:var(--navy);color:var(--white)}.bg-navy .section-title{color:var(--white)}.bg-navy .section-subtitle{color:var(--gray)}.bg-offwhite{background:var(--offwhite)}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.card{background:var(--white);border-radius:12px;padding:30px 28px;border-top:3px solid var(--gold);box-shadow:0 4px 22px rgba(15,35,64,.06);transition:transform .25s,box-shadow .25s}.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.bg-navy .card,.dark-card{background:rgba(255,255,255,.045);border:1px solid rgba(201,168,76,.16);border-top:3px solid var(--gold);color:var(--white);box-shadow:none}.card-icon{font-size:32px;display:block;margin-bottom:18px}.card h3{font-family:'Cormorant Garamond',serif;font-size:23px;line-height:1.22;font-weight:600;color:var(--navy);margin-bottom:12px}.bg-navy .card h3,.dark-card h3{color:var(--white)}.card p{font-size:13.8px;line-height:1.75;color:#3A4D62}.bg-navy .card p,.dark-card p{color:var(--gray)}.tags{display:flex;flex-wrap:wrap;gap:7px;margin-top:18px}.tag{font-size:11px;font-weight:700;color:var(--gold);background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.22);padding:4px 10px;border-radius:999px}.card-link{display:inline-block;margin-top:20px;font-size:12.5px;color:var(--gold);text-decoration:none;font-weight:800;letter-spacing:.35px}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}.rich-text p{font-size:15px;color:#3A4D62;line-height:1.84;margin-bottom:18px}.rich-text strong{color:var(--navy)}.check-list{list-style:none;display:grid;gap:11px}.check-list li{position:relative;padding:13px 14px 13px 38px;background:rgba(15,35,64,.045);border-radius:8px;font-size:13.5px;line-height:1.55;color:#34495F}.check-list li::before{content:'✓';position:absolute;left:14px;top:13px;color:var(--gold);font-weight:900}.bg-navy .check-list li{background:rgba(255,255,255,.052);color:var(--gray)}
.table-wrap{overflow-x:auto;border-radius:12px;box-shadow:0 4px 22px rgba(15,35,64,.06)}table{width:100%;border-collapse:collapse;background:var(--white);min-width:760px}th,td{text-align:left;padding:18px 20px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--navy);color:var(--gold);font-size:12px;letter-spacing:1.6px;text-transform:uppercase}td{font-size:13.5px;line-height:1.62;color:#3A4D62}tr:last-child td{border-bottom:none}
.timeline{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;position:relative;margin-top:12px}.timeline::before{content:'';position:absolute;top:36px;left:12%;right:12%;height:2px;background:linear-gradient(90deg,var(--gold),rgba(201,168,76,.18))}.step{position:relative;z-index:2;text-align:center;padding:0 16px}.step-num{width:54px;height:54px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;margin:9px auto 22px;font-family:'Cormorant Garamond',serif;font-size:22px;font-weight:800;box-shadow:0 0 0 6px rgba(201,168,76,.15)}.step h3{font-family:'Cormorant Garamond',serif;color:var(--white);font-size:19px;margin-bottom:10px}.step p{font-size:12.8px;line-height:1.65;color:var(--gray)}
.quote-band{background:linear-gradient(135deg,#0F2340 0%,#162D50 100%);color:var(--white);text-align:center;padding:84px 5%}.quote-band p{max-width:930px;margin:0 auto;font-family:'Cormorant Garamond',serif;font-size:clamp(28px,3.5vw,46px);line-height:1.22;font-weight:300}.quote-band em{color:var(--gold);font-style:italic}.cta{background:var(--offwhite);text-align:center}.cta .section-head{margin-left:auto;margin-right:auto}
.credibility-strip{background:var(--navy);color:var(--white);padding:44px 5%}.credibility-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.metric{border-left:3px solid var(--gold);background:rgba(255,255,255,.045);padding:20px 22px;border-radius:8px}.metric strong{font-family:'Cormorant Garamond',serif;font-size:32px;line-height:1;color:var(--gold);display:block;margin-bottom:8px}.metric span{font-size:12.5px;line-height:1.5;color:var(--gray)}
.contact-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}.contact-form{background:var(--navy);border-radius:14px;padding:34px;display:flex;flex-direction:column;gap:16px;box-shadow:var(--shadow)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.contact-form input,.contact-form select,.contact-form textarea{background:rgba(255,255,255,.055);border:1px solid rgba(201,168,76,.23);border-radius:6px;padding:14px 16px;color:var(--white);font-family:'DM Sans',sans-serif;font-size:14px;outline:none;width:100%}.contact-form input::placeholder,.contact-form textarea::placeholder{color:rgba(255,255,255,.38)}.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{border-color:var(--gold)}.contact-form select option{background:var(--navy2)}.contact-form textarea{min-height:130px;resize:vertical}.contact-form button{background:var(--gold);color:var(--navy);border:none;cursor:pointer;padding:15px 32px;border-radius:6px;font-family:'DM Sans',sans-serif;font-size:14px;font-weight:800;letter-spacing:.35px;align-self:flex-start}.contact-form button:hover{background:var(--lgold)}.contact-note{font-size:13.5px;line-height:1.7;color:var(--muted);margin-top:18px}.checkbox-row{display:flex;gap:10px;align-items:flex-start;color:rgba(255,255,255,.66);font-size:12.5px;line-height:1.55}.checkbox-row input{width:auto;margin-top:3px}.checkbox-row a{color:var(--gold);text-decoration:none}
.legal-content{max-width:920px;margin:0 auto}.legal-content h2{font-family:'Cormorant Garamond',serif;font-size:32px;color:var(--navy);margin:34px 0 12px}.legal-content h3{font-size:18px;color:var(--navy);margin:24px 0 10px}.legal-content p,.legal-content li{font-size:14.5px;line-height:1.78;color:#3A4D62;margin-bottom:12px}.legal-content ul{padding-left:22px;margin-bottom:18px}.notice-box{background:var(--offwhite);border-left:3px solid var(--gold);padding:18px 22px;border-radius:8px;margin:22px 0}.notice-box p{margin:0}.mini-nav{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.mini-nav a{font-size:12px;text-decoration:none;color:var(--gold);border:1px solid rgba(201,168,76,.35);border-radius:999px;padding:7px 12px;font-weight:700}
footer{background:#060F1C;padding:40px 5%;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:18px}.footer-logo-wrap{display:flex;align-items:center;gap:10px}.footer-logo-wrap img{width:40px;height:40px;border-radius:50%;object-fit:contain;background:#060F1C}.footer-logo-text{font-family:'Cormorant Garamond',serif;font-size:20px;font-weight:600;color:var(--white);letter-spacing:1px}.footer-logo-text span{color:var(--gold)}.footer-links{display:flex;gap:22px;list-style:none;flex-wrap:wrap}.footer-links a{font-size:12px;color:var(--gray);text-decoration:none}.footer-links a:hover{color:var(--gold)}.footer-copy{font-size:12px;color:rgba(255,255,255,.25)}
.reveal{opacity:0;transform:translateY(28px);transition:opacity .72s ease,transform .72s ease}.reveal.visible{opacity:1;transform:translateY(0)}
@media(max-width:1120px){.nav-links{gap:16px}.nav-links a{font-size:12.2px}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.credibility-inner{grid-template-columns:repeat(2,minmax(0,1fr))}.timeline{grid-template-columns:repeat(2,minmax(0,1fr));gap:34px 0}.timeline::before{display:none}}
@media(max-width:900px){nav{height:76px}.nav-links{display:none}.hamburger{display:flex}.mobile-menu{top:76px}.hero{padding-top:120px}.hero-inner,.split,.contact-wrap{grid-template-columns:1fr;gap:42px}.hero-panel{grid-template-columns:1fr 1fr}.grid-2,.grid-3{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}}
@media(max-width:620px){section{padding:74px 5%}.page-hero{padding:128px 5% 76px}.hero-panel,.grid-4,.timeline,.credibility-inner{grid-template-columns:1fr}.hero h1{font-size:42px}.page-hero h1{font-size:38px}.nav-name{font-size:13px;letter-spacing:1.5px}.contact-form{padding:26px}footer{align-items:flex-start;flex-direction:column}.footer-links{gap:14px}}