:root{
  --navy:#0B3A75;
  --navy-dark:#082A56;
  --navy-tint:#EEF3FA;
  --gold:#C8A24D;
  --gold-dark:#AD8836;
  --white:#FFFFFF;
  --grey-50:#F7F8FA;
  --grey-100:#F0F2F5;
  --grey-300:#D7DCE3;
  --grey-500:#8993A4;
  --grey-700:#4B5563;
  --ink:#101828;
  --radius-sm:10px;
  --radius-md:16px;
  --radius-lg:24px;
  --shadow-sm:0 1px 2px rgba(16,24,40,0.06);
  --shadow-md:0 8px 24px rgba(11,58,117,0.08);
  --shadow-lg:0 24px 48px rgba(11,58,117,0.12);
  --maxw:1200px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',-apple-system,Segoe UI,Roboto,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Montserrat',sans-serif;
  font-weight:700;
  line-height:1.15;
  color:var(--navy-dark);
  margin:0 0 .6em 0;
  letter-spacing:-0.01em;
}
h1{font-size:clamp(2.4rem,4.5vw,3.6rem);}
h2{font-size:clamp(1.8rem,3vw,2.6rem);}
h3{font-size:1.35rem;}
h4{font-size:1.05rem;}
p{margin:0 0 1em 0;color:var(--grey-700);}
a{color:var(--navy);text-decoration:none;}
img{max-width:100%;display:block;}
ul{margin:0;padding:0;}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
.section{padding:88px 0;}
.section-tight{padding:56px 0;}
.section-alt{background:var(--grey-50);}
.section-navy{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;}
.section-navy h1,.section-navy h2,.section-navy h3{color:#fff;}
.section-navy p{color:#D8E1F0;}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:.72rem;
  letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);
  background:rgba(200,162,77,.12);padding:6px 14px;border-radius:999px;margin-bottom:18px;
}
.section-navy .eyebrow{color:var(--gold);background:rgba(200,162,77,.18);}
.lede{font-size:1.15rem;color:var(--grey-700);max-width:680px;}
.section-navy .lede{color:#D8E1F0;}

/* Header */
.site-header{
  position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--grey-100);
}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:var(--maxw);margin:0 auto;}
.logo{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.3rem;color:var(--navy-dark);display:flex;align-items:center;gap:10px;}
.logo-mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--navy),var(--gold));display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.logo-mark svg{width:18px;height:18px;}
.nav{display:flex;align-items:center;gap:28px;}
.nav a{font-weight:600;font-size:.92rem;color:var(--navy-dark);position:relative;padding:8px 0;}
.nav a:hover{color:var(--gold-dark);}
.has-dropdown{position:relative;}
.dropdown{
  position:absolute;top:100%;left:0;background:#fff;border-radius:var(--radius-md);
  box-shadow:var(--shadow-lg);padding:10px;min-width:260px;opacity:0;visibility:hidden;
  transform:translateY(6px);transition:all .18s ease;border:1px solid var(--grey-100);
}
.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0);}
.dropdown a{display:block;padding:10px 12px;border-radius:8px;font-weight:500;font-size:.88rem;}
.dropdown a:hover{background:var(--navy-tint);color:var(--navy);}
.nav-cta{display:flex;align-items:center;gap:12px;}
.hamburger{display:none;background:none;border:none;cursor:pointer;padding:6px;}
.hamburger span{display:block;width:24px;height:2px;background:var(--navy-dark);margin:5px 0;border-radius:2px;}
.mobile-nav{display:none;flex-direction:column;background:#fff;border-top:1px solid var(--grey-100);padding:16px 24px;}
.mobile-nav a{display:block;padding:12px 0;font-weight:600;color:var(--navy-dark);border-bottom:1px solid var(--grey-100);}
.mobile-nav.open{display:flex;}
@media(max-width:900px){
  .nav,.nav-cta .btn-outline{display:none;}
  .hamburger{display:block;}
}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:.88rem;
  padding:14px 26px;border-radius:999px;cursor:pointer;border:2px solid transparent;
  transition:all .18s ease;white-space:nowrap;
}
.btn-primary{background:var(--gold);color:var(--navy-dark);}
.btn-primary:hover{background:var(--gold-dark);transform:translateY(-1px);}
.btn-navy{background:var(--navy);color:#fff;}
.btn-navy:hover{background:var(--navy-dark);transform:translateY(-1px);}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent;}
.btn-outline:hover{background:var(--navy);color:#fff;}
.section-navy .btn-outline{border-color:#fff;color:#fff;}
.section-navy .btn-outline:hover{background:#fff;color:var(--navy);}
.btn-sm{padding:10px 18px;font-size:.8rem;}

/* Hero */
.hero{padding:110px 0 90px;position:relative;overflow:hidden;}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;}
.hero h1{margin-bottom:22px;}
.hero-actions{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap;}
.hero-visual{background:linear-gradient(160deg,rgba(255,255,255,.08),rgba(255,255,255,.02));border:1px solid rgba(255,255,255,.16);border-radius:var(--radius-lg);padding:32px;}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;}}

/* Cards & grids */
.grid{display:grid;gap:24px;}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media(max-width:900px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr 1fr;}}
@media(max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}

.card{
  background:#fff;border:1px solid var(--grey-100);border-radius:var(--radius-md);
  padding:32px;box-shadow:var(--shadow-sm);transition:all .2s ease;height:100%;
}
.card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:var(--grey-300);}
.card .icon-box{
  width:52px;height:52px;border-radius:14px;background:var(--navy-tint);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.card .icon-box svg{width:26px;height:26px;stroke:var(--navy);}
.card h3{margin-bottom:10px;}
.card p{margin-bottom:0;font-size:.94rem;}
.card ul{margin-top:14px;padding-left:0;}
.card ul li{list-style:none;padding-left:26px;position:relative;font-size:.9rem;color:var(--grey-700);margin-bottom:8px;}
.card ul li::before{content:'';position:absolute;left:0;top:7px;width:10px;height:10px;border-radius:3px;background:var(--gold);}

.stat{text-align:left;}
.stat .num{font-family:'Montserrat',sans-serif;font-weight:800;font-size:2.2rem;color:var(--navy-dark);}
.section-navy .stat .num{color:var(--gold);}
.stat .label{font-size:.88rem;color:var(--grey-500);font-weight:600;}
.section-navy .stat .label{color:#C7D3E8;}

/* Process */
.process{display:flex;gap:0;align-items:flex-start;overflow-x:auto;padding-bottom:8px;}
.process-step{flex:1;min-width:180px;text-align:center;padding:0 12px;position:relative;}
.process-step .step-num{
  width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-dark));
  color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.2rem;
  display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2;
}
.process-step:nth-child(even) .step-num{background:linear-gradient(135deg,var(--gold),var(--gold-dark));color:var(--navy-dark);}
.process-step::after{
  content:'';position:absolute;top:28px;left:calc(50% + 40px);right:calc(-50% + 40px);
  height:2px;background:var(--grey-300);z-index:1;
}
.process-step:last-child::after{display:none;}
.process-step h4{margin-bottom:6px;}
.process-step p{font-size:.86rem;}
@media(max-width:900px){
  .process{flex-direction:column;}
  .process-step::after{display:none;}
  .process-step{text-align:left;display:flex;gap:16px;align-items:flex-start;}
  .process-step .step-num{margin:0;flex-shrink:0;}
}

/* FAQ accordion */
.faq-item{border-bottom:1px solid var(--grey-100);}
.faq-q{
  width:100%;text-align:left;background:none;border:none;padding:22px 0;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:1rem;color:var(--navy-dark);
}
.faq-q .plus{font-size:1.4rem;color:var(--gold-dark);transition:transform .2s;flex-shrink:0;}
.faq-item.open .plus{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.faq-a p{padding-bottom:20px;margin:0;}
.faq-item.open .faq-a{max-height:600px;}

/* Table / pricing */
.pill-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px;}
.pill{background:var(--navy-tint);color:var(--navy);font-weight:600;font-size:.82rem;padding:8px 16px;border-radius:999px;}

.price-table-wrap{overflow-x:auto;border-radius:var(--radius-md);border:1px solid var(--grey-100);box-shadow:var(--shadow-sm);margin:28px 0;background:#fff;}
.price-table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:520px;}
.price-table th{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;text-align:left;padding:16px 20px;}
.price-table th:not(:first-child){text-align:center;}
.price-table td{padding:14px 20px;border-bottom:1px solid var(--grey-100);color:var(--grey-700);}
.price-table td:not(:first-child){text-align:center;font-weight:600;color:var(--navy-dark);}
.price-table tr:last-child td{border-bottom:none;}
.price-table tr:nth-child(even){background:var(--grey-50);}
.price-table .yes{color:var(--gold-dark);font-weight:700;}
.price-table .no{color:var(--grey-300);}
.price-note{font-size:.85rem;color:var(--grey-500);margin-top:-8px;margin-bottom:28px;}
.pricing-block{margin-bottom:64px;}
.pricing-block:last-child{margin-bottom:0;}
.disclaimer-card{background:var(--grey-50);border:1px solid var(--grey-100);border-radius:var(--radius-md);padding:24px 28px;margin-top:24px;}
.disclaimer-card p{font-size:.86rem;color:var(--grey-500);margin-bottom:10px;}
.disclaimer-card p:last-child{margin-bottom:0;}
.disclaimer-card ul{padding-left:20px;margin:10px 0;}
.disclaimer-card li{font-size:.86rem;color:var(--grey-500);margin-bottom:4px;}

/* CTA band */
.cta-band{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);
  border-radius:var(--radius-lg);padding:64px;text-align:center;color:#fff;
}
.cta-band h2{color:#fff;}
.cta-band p{color:#D8E1F0;max-width:600px;margin:0 auto 28px;}
.cta-band .hero-actions{justify-content:center;}

/* Breadcrumb */
.breadcrumb{font-size:.82rem;color:var(--grey-500);margin-bottom:18px;}
.breadcrumb a{color:var(--grey-500);}
.breadcrumb a:hover{color:var(--navy);}

/* Footer */
.site-footer{background:var(--navy-dark);color:#C7D3E8;padding:72px 0 32px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;}
.footer-grid h4{color:#fff;font-size:.9rem;margin-bottom:16px;}
.footer-grid a{color:#AEBEDA;font-size:.88rem;display:block;margin-bottom:10px;}
.footer-grid a:hover{color:var(--gold);}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.8rem;color:#8298BC;}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:600px){.footer-grid{grid-template-columns:1fr;}}

/* Blog */
.post-card img{border-radius:var(--radius-md);}
.tag{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gold-dark);}
.blog-body h2{margin-top:1.4em;}
.blog-body p{font-size:1.02rem;}
.blog-body ul{padding-left:1.2em;margin-bottom:1.2em;}
.blog-body li{margin-bottom:.5em;color:var(--grey-700);}

/* Divider dot */
.dot-divider{display:inline-block;width:4px;height:4px;border-radius:50%;background:var(--grey-300);margin:0 8px;vertical-align:middle;}

/* Two-col alt section */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
@media(max-width:900px){.split{grid-template-columns:1fr;}}
.check-list li{list-style:none;display:flex;gap:12px;margin-bottom:14px;font-weight:500;color:var(--ink);}
.check-list svg{width:20px;height:20px;stroke:var(--gold-dark);flex-shrink:0;margin-top:2px;}