:root{
  --navy:#14294b;
  --navy-2:#1e3a66;
  --gold:#c9973f;
  --gold-2:#e2b766;
  --ink:#1d2433;
  --muted:#5a6476;
  --bg:#ffffff;
  --soft:#f5f2ec;
  --line:#e4dfd5;
  --radius:14px;
  --shadow:0 10px 30px rgba(20,41,75,.10);
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
h1,h2,h3{font-family:"Lora",Georgia,serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5vw,3.3rem)}
h2{font-size:clamp(1.7rem,3.5vw,2.3rem)}
h3{font-size:1.3rem}
p{margin:0 0 1em}
a{color:var(--navy-2)}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;font-weight:600;color:var(--gold);margin-bottom:.6em}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:"Lora",Georgia,serif;font-weight:700;font-size:1.25rem}
.brand svg{width:34px;height:34px;flex:none}
.nav-links{display:flex;gap:28px;list-style:none;margin:0;padding:0;align-items:center}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:500}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--gold)}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;transition:.2s;font-size:1rem;cursor:pointer}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#b5852f}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{border-color:var(--navy);color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn svg{width:18px;height:18px}
.nav .btn{padding:10px 18px}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:90px 0 100px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(201,151,63,.35),transparent 70%)}
.hero h1{color:#fff}
.hero p.lead{font-size:1.2rem;color:#dbe3f0;max-width:620px}
.hero .actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.hero-grid{display:grid;grid-template-columns:1.3fr .9fr;gap:50px;align-items:center;position:relative;z-index:1}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:28px}
.hero-card ul{list-style:none;padding:0;margin:0}
.hero-card li{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12);color:#eef2f8}
.hero-card li:last-child{border:0}
.check{color:var(--gold-2);font-weight:700}

.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:70px 0}
.page-hero h1{color:#fff}
.page-hero p{color:#dbe3f0;max-width:640px;font-size:1.1rem;margin:0}

/* Sections */
section{padding:80px 0}
.soft{background:var(--soft)}
.center{text-align:center}
.section-head{max-width:680px;margin:0 auto 46px;text-align:center}
.section-head p{color:var(--muted)}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.2s;text-decoration:none;color:inherit;display:block}
a.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:var(--gold-2)}
.card p{color:var(--muted);margin:0}
.icon{width:52px;height:52px;border-radius:12px;background:var(--soft);display:grid;place-items:center;margin-bottom:16px;color:var(--gold)}
.icon svg{width:28px;height:28px}
.card .more{display:inline-block;margin-top:14px;font-weight:600;color:var(--navy-2)}

.steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{position:relative;padding:28px;background:#fff;border-radius:var(--radius);border:1px solid var(--line)}
.step::before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:14px}
.step p{color:var(--muted);margin:0}

/* Coverage page */
.coverage-item{display:grid;grid-template-columns:80px 1fr;gap:28px;padding:44px 0;border-bottom:1px solid var(--line);scroll-margin-top:90px}
.coverage-item:last-child{border:0}
.coverage-item .icon{width:72px;height:72px;margin:0}
.coverage-item .icon svg{width:38px;height:38px}
.coverage-item ul{columns:2;padding-left:20px;color:var(--muted);margin:0 0 1em}
.coverage-item li{margin-bottom:6px;break-inside:avoid}
.jump{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:24px}
.jump a{padding:8px 16px;border-radius:999px;border:1px solid rgba(255,255,255,.35);color:#fff;text-decoration:none;font-size:.95rem}
.jump a:hover{background:#fff;color:var(--navy)}

/* About */
.portrait{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/5;background:var(--soft)}
.portrait img,.portrait svg{width:100%;height:100%;object-fit:cover}
.values{list-style:none;padding:0;margin:20px 0 0}
.values li{display:flex;gap:12px;margin-bottom:12px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.contact-card{text-align:center}
.contact-card .icon{margin:0 auto 16px}
.contact-card a.value{display:block;font-weight:600;font-size:1.1rem;margin:6px 0 16px;color:var(--navy);text-decoration:none;word-break:break-word}

/* CTA band */
.cta{background:var(--navy);color:#fff;border-radius:20px;padding:56px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta h2{color:#fff;margin:0 0 .3em}
.cta p{color:#dbe3f0;margin:0}
.cta .actions{display:flex;gap:12px;flex-wrap:wrap}

/* Footer */
.site-footer{background:#0e1d36;color:#b9c4d6;padding:56px 0 30px;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:36px}
.site-footer h4{color:#fff;font-size:1rem;margin:0 0 14px;font-family:"Inter",sans-serif}
.site-footer a{color:#b9c4d6;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.site-footer .brand{color:#fff;margin-bottom:12px}
.legal{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;font-size:.82rem;color:#8a97ad}
.legal p{margin:0 0 .6em}

.about-grid{grid-template-columns:.8fr 1.2fr}
.grid-3.two-col{grid-template-columns:1fr 1fr}

/* Sticky mobile call bar */
.mobile-bar{display:none}

@media (max-width:900px){
  .hero-grid,.grid-2,.about-grid{grid-template-columns:1fr}
  .about-grid .portrait{max-width:380px}
  .grid-3,.steps,.contact-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  body{font-size:16px;padding-bottom:64px}
  section{padding:60px 0}
  .hero{padding:64px 0 70px}
  .nav-toggle{display:block}
  .nav-links{position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line);display:none}
  .nav-links.open{display:flex}
  .nav-links li a{display:block;padding:14px 20px;border-top:1px solid var(--line)}
  .nav-links .btn{margin:12px 20px;justify-content:center;border-radius:10px}
  .grid-3,.grid-3.two-col,.steps,.contact-grid,.footer-grid{grid-template-columns:1fr}
  .coverage-item{grid-template-columns:1fr;gap:14px}
  .coverage-item ul{columns:1}
  .cta{padding:36px 24px}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--navy);box-shadow:0 -4px 16px rgba(0,0,0,.15)}
  .mobile-bar a{color:#fff;text-decoration:none;text-align:center;padding:12px 0;font-size:.85rem;font-weight:600;display:flex;flex-direction:column;align-items:center;gap:2px}
  .mobile-bar a+a{border-left:1px solid rgba(255,255,255,.15)}
  .mobile-bar svg{width:20px;height:20px}
}