:root{
  --navy:#0f2a44;
  --gold:#c8a04a;
  --bg:#ffffff;
  --text:#0f2a44;
  --muted:#6b7280;
  --border:#e5e7eb;
  --card:#f7f7f7;
  --max:1120px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: Arial, Helvetica, sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
  font-size:16px;
}

/* Links */
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}

/* Layout */
.container{
  max-width:var(--max);
  margin:0 auto;
  padding:22px;
}

/* Top nav */
.nav{
  border-bottom:1px solid var(--border);
  background:#fff;
}
.nav-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:12px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  min-width:240px;
}
.brand img{
  height:44px;
  width:auto;
  display:block;
}
.brand .name{
  font-weight:900;
  letter-spacing:0.2px;
  line-height:1.1;
}
.brand .tag{
  font-size:13px;
  color:var(--muted);
  margin-top:2px;
}

.menu{
  display:flex;
  flex-wrap:wrap;
  justify-content:flex-end;
  gap:10px;
}
.menu a{
  font-weight:800;
  font-size:14px;
  padding:8px 10px;
  border-radius:10px;
}
.menu a:hover{
  background:rgba(15,42,68,0.06);
  text-decoration:none;
}

/* Typography helpers */
.h1{
  font-size:36px;
  line-height:1.12;
  font-weight:950;
  margin:0 0 12px 0;
  letter-spacing:-0.2px;
}
.h2{
  font-size:26px;
  font-weight:950;
  margin:0 0 14px 0;
  letter-spacing:-0.2px;
}
.h3{
  font-size:18px;
  font-weight:950;
  margin:0 0 10px 0;
}
.lead{
  color:var(--muted);
  max-width:900px;
  margin-bottom:14px;
}
.small{
  font-size:13px;
  color:var(--muted);
}

/* Hero */
.hero{
  padding:34px 0 12px 0;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.35fr 0.85fr;
  gap:18px;
  align-items:start;
}

.kicker{
  font-size:12px;
  font-weight:900;
  letter-spacing:0.7px;
  text-transform:uppercase;
  color:var(--muted);
  margin-bottom:10px;
}

/* Buttons */
.cta-row{
  display:flex;
  gap:10px;
  flex-wrap:wrap;
  margin-top:8px;
}
.btn{
  display:inline-block;
  padding:10px 14px;
  border-radius:12px;
  border:1px solid var(--border);
  background:#fff;
  font-weight:900;
}
.btn.primary{
  background:var(--navy);
  border-color:var(--navy);
  color:#fff;
}
.btn.primary:hover{opacity:0.96;text-decoration:none}
.btn:hover{text-decoration:none}

/* Cards & sections */
.section{padding:18px 0 12px 0}
.card{
  background:var(--card);
  border:1px solid rgba(15,42,68,0.08);
  border-radius:16px;
  padding:18px;
}
.card + .card{margin-top:14px}

.list{
  margin:0;
  padding-left:18px;
  color:var(--muted);
}
.list li{margin:8px 0}

hr{
  border:0;
  border-top:1px solid var(--border);
  margin:14px 0;
}

/* Badges */
.badge{
  display:inline-block;
  padding:7px 10px;
  border-radius:999px;
  background:rgba(200,160,74,0.12);
  border:1px solid rgba(200,160,74,0.35);
  color:var(--navy);
  font-weight:900;
  font-size:12px;
}

/* Grids */
.grid3{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:14px;
}

/* Footer */
.footer{
  border-top:1px solid var(--border);
  padding:18px 0;
  color:var(--muted);
  font-size:13px;
}
.footer a{color:var(--muted)}
.note{color:var(--muted);margin-top:10px}

/* Responsive */
@media (max-width: 920px){
  .hero-grid{grid-template-columns:1fr}
}
@media (max-width: 860px){
  .grid3{grid-template-columns:1fr}
  .h1{font-size:30px}
}