:root{
  --navy:#0e2d50; --navy2:#1d4c7b; --deep:#081d35;
  --gold:#c18c2d; --gold2:#9f701e; --cream:#faf1e2;
  --soft:#f4ead8; --white:#fff; --ink:#15324d; --muted:#66798a;
  --line:#e5d8c2; --shadow:0 20px 55px rgba(14,45,80,.10);
  --max:1180px;
}
*{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:1.55}
a{color:inherit;text-decoration:none}
.container{width:min(var(--max),calc(100% - 40px));margin:auto}
header{position:sticky;top:0;z-index:50;background:#faf1e2;border-bottom:1px solid #eadcc5}
.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.brand-logo{display:block;width:116px;height:auto;max-width:100%}
.navlinks{display:flex;align-items:center;gap:18px;font-size:13px;color:#405c75}
.navlinks a{padding:28px 0 25px;border-bottom:2px solid transparent}
.navlinks a:hover,.navlinks a.active{color:var(--navy);border-bottom-color:var(--gold)}
.actions{display:flex;gap:9px}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 18px;font-weight:800;font-size:14px;border:1px solid transparent;transition:.18s}
.btn:hover{transform:translateY(-1px)}
.btn.primary{background:var(--navy);color:#fff;box-shadow:0 8px 24px rgba(14,45,80,.15)}
.btn.gold{background:var(--gold);color:var(--deep);box-shadow:0 8px 22px rgba(193,140,45,.20)}
.btn.ghost{border-color:#d9c8ac;background:#fff;color:var(--navy)}
.hero{padding:78px 0 58px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:58px;align-items:center}
.kicker{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:#f1dfbf;color:#765018;font-size:11px;font-weight:900;letter-spacing:.1em;text-transform:uppercase}
.kicker:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold)}
h1{font-size:clamp(46px,6vw,76px);line-height:.98;letter-spacing:-.055em;margin:22px 0 22px}
.hero p{font-size:18px;color:var(--muted);max-width:650px;margin:0 0 28px}
.hero-actions{display:flex;gap:11px;flex-wrap:wrap}
.hero-note{display:flex;gap:17px;flex-wrap:wrap;margin-top:22px;color:#6f8292;font-size:13px}
.hero-note span{display:flex;align-items:center;gap:7px}
.check{width:18px;height:18px;border:1px solid #dbc69e;border-radius:999px;display:grid;place-items:center;color:var(--gold2);background:#fff;font-size:11px}
.visual{min-height:525px;position:relative}
.visual-bg{position:absolute;inset:25px 18px 40px 34px;border-radius:45px;background:linear-gradient(145deg,var(--navy) 0%,#1d4c7b 64%,#c18c2d 150%);box-shadow:var(--shadow);overflow:hidden}
.visual-bg:after{content:"";position:absolute;width:410px;height:410px;border:1px solid rgba(255,255,255,.16);border-radius:50%;right:-135px;top:-95px;box-shadow:0 0 0 45px rgba(255,255,255,.04),0 0 0 90px rgba(255,255,255,.025)}
.visual-copy{position:absolute;left:66px;top:72px;color:#fff;z-index:2;padding-right:30px}
.visual-copy .eyebrow{font-size:11px;opacity:.66;text-transform:uppercase;letter-spacing:.13em;font-weight:900}
.visual-copy .big{font-size:36px;line-height:1.08;max-width:330px;font-weight:820;letter-spacing:-.04em;margin-top:10px}
.visual-copy .small{font-size:14px;opacity:.76;margin-top:15px;max-width:300px}
.float-card{position:absolute;background:#fff;border:1px solid rgba(255,255,255,.6);box-shadow:0 20px 50px rgba(14,45,80,.18);border-radius:22px;padding:18px 20px;z-index:4}
.float-card.one{right:10px;bottom:34px;width:248px}
.float-card.two{left:12px;bottom:14px;width:198px}
.float-card .label{font-size:10px;color:#778695;text-transform:uppercase;letter-spacing:.1em;font-weight:900}
.float-card .value{font-size:20px;font-weight:900;margin-top:5px;letter-spacing:-.03em}
.float-card .meta{font-size:12px;color:#738292;margin-top:6px}
.section{padding:86px 0}
.section.white{background:#fff}
.section.navy{background:var(--navy);color:#fff}
.section.soft{background:#f3eadb}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:34px}
.section-head h2{font-size:clamp(33px,4vw,52px);line-height:1.04;letter-spacing:-.045em;margin:0;max-width:730px}
.section-head p{max-width:430px;margin:0;color:var(--muted)}
.navy .section-head p{color:#c7d2dd}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:25px}
.card h3{margin:12px 0 9px;font-size:20px;letter-spacing:-.025em}
.card p{margin:0;color:var(--muted);font-size:14px}
.icon{width:42px;height:42px;border-radius:13px;background:#f1dfbf;color:#815b1d;display:grid;place-items:center;font-weight:900}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}
.step{background:#fff;border:1px solid var(--line);border-radius:22px;padding:25px;min-height:220px}
.step-num{width:35px;height:35px;border-radius:12px;background:#f2e6d3;color:var(--gold2);display:grid;place-items:center;font-weight:900}
.step h3{font-size:18px;margin:24px 0 9px}.step p{margin:0;color:var(--muted);font-size:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.panel{padding:34px;border-radius:27px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.07)}
.panel.light{background:#fff;color:var(--ink);border-color:var(--line)}
.panel h3{font-size:29px;line-height:1.1;margin:10px 0 14px;letter-spacing:-.03em}
.panel p{color:#c9d4de}.panel.light p{color:var(--muted)}
.tag{font-size:10px;letter-spacing:.12em;text-transform:uppercase;font-weight:900;color:#e5bc73}
.panel.light .tag{color:var(--gold2)}
.list{display:grid;gap:11px;margin-top:22px}
.list div{display:flex;gap:10px;align-items:flex-start;font-size:14px}
.list i{font-style:normal;width:22px;height:22px;border-radius:7px;background:rgba(193,140,45,.17);display:grid;place-items:center;color:#e0b36a;flex:0 0 auto}
.panel.light .list i{background:#f1dfbf;color:#7d571b}
.simulator{display:grid;grid-template-columns:.9fr 1.1fr;border:1px solid var(--line);border-radius:30px;overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.sim-copy{padding:38px;background:linear-gradient(145deg,var(--navy),#1b486f);color:#fff}
.sim-copy h2{font-size:36px;line-height:1.05;margin:10px 0 13px;letter-spacing:-.04em}
.sim-copy p{color:#cbd5df}
.sim-form{padding:34px 36px}
.field{margin-bottom:15px}
.field label{display:block;font-size:11px;font-weight:900;color:#536879;margin-bottom:7px}
.input{min-height:52px;border:1px solid #dfd3c2;border-radius:15px;padding:0 14px;display:flex;align-items:center;background:#fff;color:#718090}
.input strong{color:var(--gold2);margin-right:8px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.note{font-size:11px;color:#8795a1;margin-top:12px}
.band{padding:30px 0}
.band-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.metric{background:#fff;border:1px solid var(--line);padding:20px;border-radius:19px}
.metric b{display:block;font-size:15px;margin-bottom:4px}.metric span{font-size:13px;color:#758695}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 18px;margin-bottom:10px}
.faq summary{cursor:pointer;list-style:none;font-weight:850;padding:18px 0;display:flex;justify-content:space-between}
.faq summary:after{content:"+";color:var(--gold2);font-size:20px}.faq details[open] summary:after{content:"–"}
.faq details p{margin:0;padding:0 0 18px;color:var(--muted);font-size:14px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:25px;padding:30px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.textarea{min-height:120px;align-items:flex-start;padding-top:14px}
.cta{padding:78px 0}
.cta-box{background:linear-gradient(130deg,var(--navy),#1c4b78);border-radius:33px;padding:50px;color:#fff;display:flex;justify-content:space-between;align-items:center;gap:30px}
.cta-box h2{margin:0 0 10px;font-size:40px;letter-spacing:-.04em}.cta-box p{margin:0;color:#d4dde6}
footer{background:var(--deep);color:#bec9d3;padding:46px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr .8fr;gap:32px}
.foot-brand{color:#fff;font-weight:900;letter-spacing:.11em}.foot-copy{font-size:13px;color:#95a5b5;max-width:330px;margin-top:12px}
.footer-col h4{color:#fff;font-size:11px;text-transform:uppercase;letter-spacing:.11em;margin:0 0 12px}
.footer-col a{display:block;color:#b1bdc8;font-size:13px;margin:8px 0}
.social{display:flex;gap:8px;margin-top:14px}.social a{width:36px;height:36px;border-radius:11px;border:1px solid rgba(255,255,255,.12);display:grid;place-items:center}
.copy{border-top:1px solid #183b5d;margin-top:32px;padding-top:18px;font-size:11px;color:#8193a4;display:flex;justify-content:space-between;gap:16px}
.page-hero{padding:72px 0 60px}
.page-hero h1{font-size:clamp(44px,5vw,67px);max-width:900px}
.page-hero p{font-size:18px;color:var(--muted);max-width:760px}
.quote{border-left:4px solid var(--gold);padding:5px 0 5px 20px;font-size:22px;line-height:1.35;font-weight:750;letter-spacing:-.02em}
.timeline{display:grid;gap:14px}.timeline-item{display:grid;grid-template-columns:56px 1fr;gap:16px}.timeline-n{width:48px;height:48px;border-radius:15px;background:#f1dfbf;color:#815b1d;display:grid;place-items:center;font-weight:900}
.timeline-item h3{margin:0 0 5px}.timeline-item p{margin:0;color:var(--muted)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:19px;background:#fff}
table{border-collapse:collapse;width:100%;min-width:680px}th,td{text-align:left;padding:14px 16px;border-bottom:1px solid #eee4d5;font-size:13px}th{background:#f8f1e5;color:#53677a;font-size:11px;text-transform:uppercase;letter-spacing:.06em}
.mobile-menu{display:none}
@media(max-width:1120px){.brand-logo{width:104px}.navlinks{gap:14px;font-size:12px}.actions .btn{padding:11px 14px;font-size:13px}}
@media(max-width:1040px){.actions .ghost{display:none}}
@media(max-width:980px){
  .navlinks{display:none}.hero-grid,.simulator,.split{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.steps,.band-grid{grid-template-columns:1fr 1fr}
  .visual{min-height:470px}.footer-grid{grid-template-columns:1fr 1fr}.section-head{align-items:flex-start;flex-direction:column}.cta-box{flex-direction:column;align-items:flex-start}
}
@media(max-width:640px){
  .container{width:min(var(--max),calc(100% - 24px))}.nav{height:68px}.brand-logo{width:94px}.actions .ghost{display:none}.actions .btn{padding:10px 13px;font-size:13px}
  .hero{padding:46px 0 30px}h1{font-size:45px}.hero p{font-size:16px}.hero-grid{gap:24px}
  .visual{min-height:465px}.visual-bg{inset:18px 8px 62px 18px;border-radius:30px}.visual-copy{left:36px;top:42px;padding-right:22px}.visual-copy .big{font-size:29px;max-width:260px}.visual-copy .small{max-width:245px}.float-card.one{right:6px;bottom:30px;width:214px}.float-card.two{left:8px;bottom:12px;width:170px}
  .section{padding:60px 0}.cards,.steps,.band-grid,.footer-grid,.form-grid,.two{grid-template-columns:1fr}.section-head h2{font-size:36px}.sim-copy,.sim-form{padding:25px}.cta-box{padding:32px}.copy{flex-direction:column}
}