:root {
  --navy: #12263f;
  --navy-2: #1c3a5e;
  --amber: #e0a33a;
  --amber-dark: #b97f1c;
  --text: #1f2933;
  --muted: #5b6876;
  --bg: #ffffff;
  --bg-soft: #f4f6f9;
  --line: #e2e7ee;
  --radius: 14px;
  --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(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
}

a { color: var(--navy-2); }

.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 20px;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: -0.01em;
}

.logo-mark {
  flex: none;
  width: 26px;
  height: 42px;
}

.logo small {
  display: block;
  font-weight: 500;
  font-size: 0.72rem;
  color: var(--muted);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.nav {
  display: flex;
  gap: 28px;
}

.nav a {
  color: var(--text);
  text-decoration: none;
  font-weight: 500;
  font-size: 0.95rem;
}

.nav a:hover { color: var(--amber-dark); }

/* Hero */
.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(224, 163, 58, 0.25), transparent 45%),
    linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff;
  padding: 110px 0 120px;
}

.hero .eyebrow {
  display: inline-block;
  padding: 6px 14px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  font-size: 0.85rem;
  letter-spacing: 0.03em;
  margin-bottom: 22px;
}

.hero h1 {
  font-size: clamp(2.1rem, 5vw, 3.4rem);
  line-height: 1.12;
  margin: 0 0 20px;
  max-width: 760px;
  letter-spacing: -0.02em;
}

.hero h1 span { color: var(--amber); }

.hero p {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.82);
  max-width: 600px;
  margin: 0 0 34px;
}

.btn {
  display: inline-block;
  padding: 14px 26px;
  border-radius: 10px;
  font-weight: 600;
  text-decoration: none;
  transition: transform 0.15s, background 0.15s;
}

.btn-primary { background: var(--amber); color: var(--navy); }
.btn-primary:hover { background: #ebb354; transform: translateY(-1px); }

.btn-ghost {
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.35);
  margin-left: 10px;
}
.btn-ghost:hover { background: rgba(255, 255, 255, 0.08); }

/* Sections */
section { padding: 90px 0; }

.section-soft { background: var(--bg-soft); }

.section-head {
  max-width: 640px;
  margin-bottom: 48px;
}

.section-head .kicker {
  color: var(--amber-dark);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.section-head h2 {
  font-size: clamp(1.7rem, 3.5vw, 2.3rem);
  line-height: 1.2;
  margin: 8px 0 14px;
  color: var(--navy);
  letter-spacing: -0.01em;
}

.section-head p { color: var(--muted); margin: 0; }

/* Cards */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: box-shadow 0.2s, transform 0.2s;
}

.card:hover {
  box-shadow: 0 14px 34px rgba(18, 38, 63, 0.09);
  transform: translateY(-3px);
}

.card .icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: rgba(224, 163, 58, 0.15);
  color: var(--amber-dark);
  display: grid;
  place-items: center;
  margin-bottom: 20px;
}

.card h3 {
  margin: 0 0 10px;
  font-size: 1.2rem;
  color: var(--navy);
}

.card p { margin: 0 0 14px; color: var(--muted); }

.card ul {
  margin: 0;
  padding-left: 18px;
  color: var(--muted);
  font-size: 0.95rem;
}

.card li { margin-bottom: 4px; }

.cards-4 { grid-template-columns: repeat(4, 1fr); }

.card-link {
  display: inline-block;
  margin-top: 18px;
  font-weight: 600;
  color: var(--amber-dark);
  text-decoration: none;
}

.card-link:hover { text-decoration: underline; }

.nav a[aria-current="page"] { color: var(--amber-dark); }

.hero-sub { padding: 90px 0 96px; }

/* Steps */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.steps li {
  border-top: 3px solid var(--amber);
  padding-top: 22px;
}

.step-no {
  display: inline-grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-weight: 700;
  margin-bottom: 14px;
}

.steps h3 { margin: 0 0 8px; color: var(--navy); }
.steps p { margin: 0; color: var(--muted); }

/* About */
.about {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 56px;
  align-items: center;
}

.about p { color: var(--muted); }

.facts {
  display: grid;
  gap: 16px;
}

.fact {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 22px;
}

.fact strong { display: block; color: var(--navy); }
.fact span { color: var(--muted); font-size: 0.95rem; }

.fact .dot {
  flex: none;
  width: 10px;
  height: 10px;
  margin-top: 8px;
  border-radius: 50%;
  background: var(--amber);
}

/* Contact */
.contact {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.contact-box {
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius);
  padding: 40px;
}

.contact-box h3 { margin: 0 0 24px; font-size: 1.4rem; }

.contact-item {
  display: flex;
  gap: 14px;
  margin-bottom: 20px;
}

.contact-item svg { flex: none; color: var(--amber); margin-top: 3px; }

.contact-item a { color: #fff; }

.contact-item small {
  display: block;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.contact-cta {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.contact-cta h3 { margin: 0 0 12px; color: var(--navy); font-size: 1.4rem; }
.contact-cta p { color: var(--muted); margin: 0 0 26px; }
.contact-cta .btn { align-self: flex-start; }

/* Footer */
.site-footer {
  background: #0c1a2c;
  color: rgba(255, 255, 255, 0.65);
  padding: 34px 0;
  font-size: 0.9rem;
}

.site-footer .container {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
}

.site-footer a {
  color: rgba(255, 255, 255, 0.8);
  text-decoration: none;
  margin-left: 22px;
}

.site-footer a:first-child { margin-left: 0; }
.site-footer a:hover { color: var(--amber); }

/* Legal pages */
.legal {
  padding: 70px 0 90px;
}

.legal .container { max-width: 780px; }

.legal h1 {
  color: var(--navy);
  font-size: 2.2rem;
  margin: 0 0 30px;
}

.legal h2 {
  color: var(--navy);
  font-size: 1.25rem;
  margin: 36px 0 10px;
}

.legal p, .legal li { color: var(--text); }

.placeholder {
  background: #fff3d6;
  padding: 1px 6px;
  border-radius: 4px;
}

/* Responsive */
@media (max-width: 1000px) {
  .cards-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .cards, .steps { grid-template-columns: 1fr; }
  .about, .contact { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  .nav { gap: 16px; }
  .nav a.hide-sm { display: none; }
  .logo small { display: none; }
  .hero { padding: 76px 0 84px; }
  .btn-ghost { margin: 12px 0 0; }
  section { padding: 64px 0; }
  .contact-box, .contact-cta { padding: 28px; }
  .site-footer a { margin-left: 0; margin-right: 18px; }
}