@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:wght@600;700&display=swap');

:root{
  --navy:#062d5e;--navy2:#0d4c88;--navy-dark:#031d3d;--blue:#1f6fbd;
  --sky:#eaf4ff;--gold:#c79a3d;--ink:#14243a;--muted:#5d6d80;
  --line:#dce6ef;--soft:#f5f8fb;--white:#fff;
  --shadow:0 18px 48px rgba(5,38,78,.12);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"DM Sans",Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
img{display:block;max-width:100%}a{text-decoration:none;color:inherit}
button,input,textarea,select{font:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}
.topbar{background:var(--navy-dark);color:#d9e8f7;font-size:.82rem}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0}
.topbar-links{display:flex;gap:18px;flex-wrap:wrap}.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid rgba(6,45,94,.08);backdrop-filter:blur(12px)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:84px}.brand img{width:275px}
.nav{display:flex;align-items:center;gap:20px;font-size:.86rem;font-weight:700}.nav a:not(.btn){padding:30px 0;position:relative}
.nav a:not(.btn):after{content:"";position:absolute;bottom:20px;left:0;width:0;height:2px;background:var(--blue);transition:.2s}.nav a:hover:after,.nav a.active:after{width:100%}
.menu{display:none;background:none;border:0;padding:8px}.menu span{display:block;width:26px;height:2px;background:var(--navy);margin:5px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border-radius:8px;border:1px solid var(--navy);background:var(--navy);color:#fff;font-weight:800;transition:.2s}
.btn:hover{transform:translateY(-2px);background:var(--blue);box-shadow:0 10px 24px rgba(15,94,184,.2)}.btn.gold{background:var(--gold);border-color:var(--gold)}.btn.gold:hover{background:#b6882f}
.btn.outline{background:transparent;color:var(--navy)}.btn.outline:hover{color:#fff}.btn.light-outline{background:transparent;border-color:#fff;color:#fff}
.hero{background:linear-gradient(105deg,var(--navy-dark) 0%,var(--navy2) 53%,#dbeaf7 53%,#eff7fd 100%);color:white;overflow:hidden}
.hero-grid{min-height:620px;display:grid;grid-template-columns:.95fr 1.05fr;align-items:center}.hero-copy{padding:70px 0}
.eyebrow{margin:0 0 12px;color:var(--gold);font-size:.78rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}
h1,h2{font-family:"Playfair Display",Georgia,serif;line-height:1.08;margin:0 0 20px;color:var(--navy-dark)}
h1{font-size:clamp(3rem,5.2vw,4.9rem);color:#fff;letter-spacing:-.03em}h2{font-size:clamp(2.15rem,4vw,3.35rem)}h3{color:var(--navy-dark);margin:10px 0 8px}
p{margin:0 0 20px;color:var(--muted)}.hero p{color:#e6eef7}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}
.trust-row{display:flex;gap:18px;flex-wrap:wrap;font-size:.88rem;font-weight:700}.trust-row span:before{content:"✓";color:#f0c56b;margin-right:7px}
.hero-art{position:relative;align-self:stretch;display:flex;align-items:end}.hero-art img{width:100%;max-height:610px;object-fit:contain;object-position:bottom right}
.audience-band{background:var(--navy);color:#fff}.audience-grid{display:grid;grid-template-columns:repeat(3,1fr)}.audience-grid a{padding:26px 24px;border-right:1px solid rgba(255,255,255,.14);display:block}.audience-grid a:last-child{border-right:0}.audience-grid strong{display:block;font-size:1.05rem}.audience-grid span{font-size:.86rem;color:#dce9f6}
.section{padding:100px 0}.soft{background:var(--soft)}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.split.reverse>:first-child{order:1}.section-head{max-width:780px;margin:0 auto 45px;text-align:center}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{background:#fff;border:1px solid #e7edf4;border-radius:16px;padding:28px;box-shadow:0 10px 28px rgba(11,46,85,.06)}.card img{width:50px;height:50px}.card p{font-size:.93rem;margin-bottom:0}
.image-card{border-radius:20px;overflow:hidden;background:var(--sky);box-shadow:var(--shadow)}.image-card img{width:100%;aspect-ratio:1.15/1;object-fit:cover}
.checks{list-style:none;padding:0;margin:26px 0 32px;display:grid;gap:12px}.checks li{position:relative;padding-left:34px;color:#34485f}.checks li:before{content:"✓";position:absolute;left:0;top:0;width:23px;height:23px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:.75rem}
.page-hero{padding:86px 0;background:linear-gradient(120deg,var(--navy-dark),var(--navy2));color:#fff}.page-hero h1{font-size:clamp(2.8rem,5vw,4.4rem);max-width:850px}.page-hero p{max-width:760px;color:#dce9f6;font-size:1.08rem}
.process{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}.step{position:relative;padding-top:52px}.step .n{position:absolute;top:0;left:0;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--sky);color:var(--blue);font-weight:800}.step p{font-size:.86rem}
.dark{background:linear-gradient(115deg,var(--navy-dark),#174f8d);color:#fff}.dark h2,.dark p{color:#fff}.dark-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:60px;align-items:center}.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.pillars div{padding:24px;border-left:1px solid rgba(255,255,255,.25)}.pillars strong{display:block;font-family:"Playfair Display";font-size:1.3rem}
.coverage-list{display:flex;flex-wrap:wrap;gap:10px;margin:24px 0}.coverage-list span{padding:9px 13px;border-radius:999px;background:var(--sky);color:var(--navy);font-weight:700;font-size:.86rem}
.contact{background:var(--navy-dark)}.contact-grid{display:grid;grid-template-columns:1fr .9fr;gap:70px}.contact h2,.contact p{color:#fff}.contact-card{background:white;border-radius:18px;padding:30px;display:grid;gap:15px}.contact-card label{display:grid;gap:6px;color:var(--navy);font-size:.9rem;font-weight:700}
.contact-card input,.contact-card textarea,.contact-card select{width:100%;border:1px solid #cfd9e5;border-radius:8px;padding:12px 13px;background:#fbfdff}
.notice{padding:18px;border-left:4px solid var(--gold);background:#fff;border-radius:8px;color:#42566b}
footer{background:#02162e;color:#d7e4f3;padding:65px 0 22px;font-size:.9rem}.footer-grid{display:grid;grid-template-columns:1.7fr repeat(3,1fr);gap:42px}.footer-grid img{width:275px}.footer-grid>div{display:flex;flex-direction:column;gap:8px}.footer-grid strong{color:#fff}.footer-grid p,.footer-grid span{color:#9fb2c9}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;color:#8fa6bf}
@media(max-width:1000px){.menu{display:block}.nav{position:absolute;left:20px;right:20px;top:84px;display:none;flex-direction:column;align-items:stretch;background:#fff;padding:20px;border-radius:14px;box-shadow:var(--shadow)}.nav.open{display:flex}.nav a:not(.btn){padding:8px 0}.nav a:after{display:none}.hero-grid,.split,.dark-grid,.contact-grid{grid-template-columns:1fr}.hero-copy{padding-bottom:10px}.hero-art{max-height:420px}.cards{grid-template-columns:repeat(2,1fr)}.process{grid-template-columns:repeat(3,1fr)}.footer-grid{grid-template-columns:1.5fr 1fr}.split.reverse>:first-child{order:0}}
@media(max-width:640px){.container{width:min(100% - 28px,1180px)}.topbar .container{justify-content:center;text-align:center}.topbar-links{display:none}.brand img{width:225px}.nav-wrap{min-height:72px}.nav{top:72px}h1{font-size:2.8rem}.hero-grid{min-height:auto}.hero-art{max-height:330px}.audience-grid,.cards,.process,.pillars{grid-template-columns:1fr}.audience-grid a{border-right:0;border-bottom:1px solid rgba(255,255,255,.14)}.section{padding:72px 0}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.trust-row{flex-direction:column;gap:8px}}