:root{
  --navy:#0b1f3b;
  --navy2:#102a4d;
  --gold:#c9a23f;
  --sand:#f5efe3;
  --water:#1e6f8a;
  --text:#1b1b1b;
  --muted:#6b7280;
  --max:1100px;
  --radius:14px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif; color:var(--text); background:#fff; line-height:1.5}
a{color:var(--navy); text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max); margin:0 auto; padding:0 20px}
.topbar{
  background:linear-gradient(90deg,var(--navy),var(--navy2));
  color:#fff;
  font-size:14px;
}
.topbar .container{display:flex; gap:16px; align-items:center; justify-content:space-between; padding:10px 20px}
.topbar a{color:#fff; opacity:.95}
.header{
  position:sticky; top:0; z-index:50;
  background:#fff; border-bottom:1px solid #e5e7eb;
}
.header .container{display:flex; align-items:center; justify-content:space-between; gap:18px; padding:14px 20px}
.brand{display:flex; align-items:center; gap:14px}
.brand img{height:46px; width:auto}
.brand .name{display:flex; flex-direction:column; line-height:1.1}
.brand .name strong{color:var(--navy); letter-spacing:.4px}
.brand .name span{color:var(--gold); font-weight:700; letter-spacing:1.2px}
.nav{display:flex; gap:14px; flex-wrap:wrap; justify-content:flex-end}
.nav a{padding:10px 12px; border-radius:999px; font-weight:600; color:var(--navy)}
.nav a.active{background:rgba(201,162,63,.16); color:var(--navy)}
.hero{
  background:
    radial-gradient(1200px 600px at 15% 10%, rgba(201,162,63,.18), transparent 60%),
    radial-gradient(1200px 700px at 85% 30%, rgba(30,111,138,.18), transparent 55%),
    linear-gradient(180deg, #ffffff 0%, var(--sand) 100%);
  padding:54px 0;
}
.hero-grid{display:grid; grid-template-columns: 1.2fr .8fr; gap:28px; align-items:center}
.card{
  background:#fff; border:1px solid #e5e7eb; border-radius:var(--radius);
  box-shadow: 0 10px 30px rgba(11,31,59,.07);
  padding:22px;
}
.kicker{display:inline-block; padding:6px 10px; border-radius:999px; background:rgba(201,162,63,.18); color:var(--navy); font-weight:700; font-size:12px; letter-spacing:.8px}
.h1{font-size:40px; margin:14px 0 10px; color:var(--navy); line-height:1.15}
.sub{color:var(--muted); font-size:18px; margin:0 0 18px}
.cta-row{display:flex; gap:12px; flex-wrap:wrap; margin-top:14px}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 16px; border-radius:999px; border:1px solid var(--navy);
  font-weight:800; letter-spacing:.2px;
}
.btn.primary{background:var(--navy); color:#fff; border-color:var(--navy)}
.btn.secondary{background:#fff; color:var(--navy)}
.btn.gold{background:var(--gold); color:var(--navy); border-color:var(--gold)}
.grid-3{display:grid; grid-template-columns: repeat(3,1fr); gap:16px}
.section{padding:46px 0}
.section h2{color:var(--navy); margin:0 0 10px}
.section p{color:var(--muted); margin:0}
.feature h3{margin:10px 0 8px; color:var(--navy)}
.feature p{margin:0; color:var(--muted)}
.footer{
  background:linear-gradient(90deg,var(--navy),var(--navy2));
  color:#fff; padding:26px 0; margin-top:30px;
}
.footer .container{display:flex; flex-wrap:wrap; gap:18px; align-items:flex-start; justify-content:space-between}
.footer a{color:#fff; opacity:.92}
.small{font-size:13px; opacity:.9}
.page-hero{padding:34px 0; background:linear-gradient(180deg,var(--sand),#fff); border-bottom:1px solid #e5e7eb}
.page-hero h1{margin:0; color:var(--navy)}
.page-hero p{margin:8px 0 0; color:var(--muted)}
.two-col{display:grid; grid-template-columns: 1fr 1fr; gap:18px}
.list{margin:0; padding-left:18px; color:var(--muted)}
.notice{
  border-left:4px solid var(--gold);
  padding:12px 14px;
  background:rgba(201,162,63,.12);
  border-radius:10px;
  color:var(--navy);
  font-size:14px;
}
.form label{display:block; font-weight:700; color:var(--navy); margin:10px 0 6px}
.form input,.form textarea{
  width:100%; padding:12px 12px; border:1px solid #d1d5db; border-radius:12px; font-size:15px
}
.form textarea{min-height:120px; resize:vertical}
.hr{height:1px; background:#e5e7eb; margin:18px 0}
@media (max-width: 880px){
  .hero-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
  .two-col{grid-template-columns:1fr}
  .h1{font-size:34px}
  .brand img{height:40px}
}