:root{
  --blue:#17365f;
  --gold:#c8a96a;
  --bg:#f6f8fb;
  --text:#0f172a;
  --muted:#5b6575;
  --line:#dbe2ea;
  --white:#ffffff;
}
*{box-sizing:border-box}
body{
  margin:0;
  font-family:Arial, Helvetica, sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
.topbar{background:var(--blue);border-bottom:1px solid rgba(255,255,255,.12)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:18px 24px}
.logo{width:230px;height:auto;display:block}
.menu{display:flex;gap:28px;flex-wrap:wrap}
.menu a{color:rgba(255,255,255,.82);text-decoration:none;font-size:14px}
.menu a:hover{color:#fff}
.hero{background:var(--blue);color:#fff;padding:72px 0 84px}
.hero-grid{display:grid;grid-template-columns:1.2fr .9fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.05);border-radius:999px;padding:8px 14px;font-size:14px;color:rgba(255,255,255,.82);margin-bottom:22px}
h1{font-size:56px;line-height:1.08;margin:0 0 18px}
h2{font-size:40px;line-height:1.15;margin:0 0 16px}
h3{font-size:24px;line-height:1.25;margin:0 0 12px}
.lead{font-size:21px;color:rgba(255,255,255,.8);max-width:760px}
.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;padding:14px 20px;border-radius:16px;text-decoration:none;font-weight:700;font-size:14px}
.btn-gold{background:var(--gold);color:var(--blue)}
.btn-outline{border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.08);color:#fff}
.hero-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:28px;padding:22px}
.card{border-radius:20px;padding:22px}
.card + .card{margin-top:16px}
.card.white{background:#fff;color:var(--text)}
.card.dark{background:#0f2848;color:#fff;border:1px solid rgba(200,169,106,.3)}
.mini{font-size:12px;text-transform:uppercase;letter-spacing:.18em;color:#64748b;margin-bottom:8px}
.mini.gold{color:var(--gold)}
.section{padding:72px 0}
.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:860px;margin-bottom:32px}
.section-head p{font-size:20px;color:var(--muted)}
.kicker{font-size:12px;text-transform:uppercase;letter-spacing:.18em;color:rgba(23,54,95,.72);margin-bottom:12px}
.grid-2,.grid-3,.grid-4{display:grid;gap:24px}
.grid-2{grid-template-columns:1fr 1fr}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.box,.panel,.smallbox{
  background:#fff;border:1px solid var(--line);border-radius:24px;padding:26px;
  box-shadow:0 8px 22px rgba(15,23,42,.05)
}
.box h3,.panel h3{color:var(--blue)}
.panel.light{background:#f8fafc}
.panel.darkpanel{background:var(--blue);color:#fff;border-color:rgba(200,169,106,.35)}
.panel.darkpanel h3{color:#fff}
.panel.darkpanel p,.panel.darkpanel li{color:rgba(255,255,255,.84)}
.tag{display:inline-block;padding:6px 10px;border-radius:999px;background:rgba(23,54,95,.08);color:var(--blue);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.18em;margin-bottom:16px}
.goldtag{background:rgba(255,255,255,.1);color:var(--gold)}
.smallbox{padding:18px 20px;font-weight:600}
.darkband{background:var(--blue);color:#fff}
.darkband p{color:rgba(255,255,255,.8);font-size:20px}
.kicker-light{color:rgba(255,255,255,.72)}
.darkbox{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);color:#fff}
.darkbox h3{color:#fff}
.footer{background:#fff;border-top:1px solid var(--line);padding:28px 0 36px}
.footer-grid{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}
.footer .legal{color:#667085;font-size:14px}
.footer a{color:var(--blue)}
ul{margin:10px 0 0 20px;padding:0}
li{margin:8px 0}
@media (max-width: 980px){
  .hero-grid,.grid-2,.grid-3,.grid-4,.footer-grid{grid-template-columns:1fr;display:grid}
  h1{font-size:42px}
  h2{font-size:32px}
  .menu{display:none}
}