@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy-deep:#122348; --navy:#1E3A6E; --azure:#2E5FA3; --slate:#2C3E50;
  --steel:#8496B0; --mist:#EEF2F7; --cloud:#C5CDD6; --gold:#D4AF6A;
  --porcelain:#F5F3F0; --white:#FFFFFF; --line:rgba(30,58,110,.14);
  --display:'Playfair Display',Georgia,serif;
  --body:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{background:var(--white);color:var(--slate);font-family:var(--body);line-height:1.65;-webkit-font-smoothing:antialiased;}
img{max-width:100%;display:block;}
a{color:var(--azure);text-decoration:none;}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px;}
.kicker{font-weight:700;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--steel);}
.kicker--gold{color:var(--gold);}
h1,h2,h3,h4{font-family:var(--display);color:var(--navy);font-weight:700;line-height:1.15;}
h2{font-size:clamp(24px,3vw,34px);margin-bottom:.4em;}
h3{font-size:1.3rem;margin-bottom:.3em;}
p{margin-bottom:1rem;max-width:68ch;}
.rule{height:3px;width:54px;background:var(--gold);border:0;margin:18px 0;}

/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(160%) blur(6px);border-bottom:1px solid var(--line);}
.nav__in{display:flex;align-items:center;justify-content:space-between;gap:18px;height:68px;}
.brand{font-family:var(--display);font-weight:600;letter-spacing:.04em;font-size:1.2rem;color:var(--navy);display:flex;align-items:center;gap:10px;}
.brand img{height:28px;width:28px;}
.nav__links{display:flex;align-items:center;gap:22px;flex-wrap:wrap;}
.nav__links a{color:var(--slate);font-size:.92rem;font-weight:500;}
.nav__links a:hover,.nav__links a.active{color:var(--navy);}
.btn{display:inline-block;font-family:var(--body);font-weight:600;font-size:.9rem;padding:11px 20px;border-radius:4px;border:1px solid var(--navy);background:var(--navy);color:var(--white);transition:.15s;}
.btn:hover{background:var(--navy-deep);border-color:var(--navy-deep);}
.btn--gold{background:var(--gold);border-color:var(--gold);color:var(--navy-deep);}
.btn--gold:hover{filter:brightness(1.05);}
.btn--ghost{background:transparent;color:var(--navy);}
.btn--ghost:hover{background:var(--mist);}
.btn--light{background:var(--white);border-color:var(--white);color:var(--navy-deep);}

/* hero */
.hero{padding:84px 0 72px;}
.hero .kicker{margin-bottom:14px;}
.hero h1{font-size:clamp(30px,5vw,52px);color:var(--navy);max-width:18ch;}
.hero p.lead{font-size:1.15rem;color:var(--slate);max-width:60ch;margin-top:18px;}
.hero--navy{background:var(--navy-deep);color:var(--mist);}
.hero--navy h1{color:var(--white);}
.hero--navy p.lead{color:var(--mist);}
.hero--navy .kicker{color:var(--gold);}
.hero__cta{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap;}

/* sections */
section{padding:60px 0;}
section.alt{background:var(--porcelain);}
.sec-head{max-width:62ch;margin-bottom:34px;}
.sec-head .kicker{margin-bottom:10px;}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;}
.card{border:1px solid var(--line);border-radius:8px;padding:26px;background:var(--white);transition:.15s;}
.card:hover{border-color:var(--cloud);box-shadow:0 6px 24px rgba(18,35,72,.06);}
.card .tag{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--azure);margin-bottom:10px;}
.card h3{font-size:1.18rem;}
.card p{font-size:.95rem;color:var(--slate);margin-bottom:.8rem;}
.card a.more{font-weight:600;font-size:.9rem;color:var(--azure);}

/* stat strip */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:30px;}
.stat .n{font-weight:700;font-size:clamp(34px,5vw,48px);color:var(--gold);line-height:1;}
.stat .l{font-size:.92rem;color:var(--slate);margin-top:10px;max-width:34ch;}
.hero--navy .stat .l,.section--navy .stat .l{color:var(--mist);}
.section--navy{background:var(--navy-deep);color:var(--mist);}
.section--navy h2{color:var(--white);}

/* detail lists */
.lead-list{list-style:none;display:grid;gap:14px;margin:10px 0 6px;}
.lead-list li{padding-left:26px;position:relative;color:var(--slate);}
.lead-list li::before{content:"";position:absolute;left:0;top:10px;width:12px;height:2px;background:var(--gold);}
.lead-list b{color:var(--navy);font-weight:600;}
.two-col{display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:start;}
.panel{background:var(--mist);border-left:3px solid var(--gold);border-radius:0;padding:22px 24px;}
.panel h4{color:var(--navy);margin-bottom:.4em;}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px;}
.chip{font-size:.8rem;background:var(--mist);color:var(--navy);border:1px solid var(--cloud);border-radius:20px;padding:4px 12px;}

/* footer */
.foot{background:var(--navy-deep);color:var(--mist);padding:54px 0 30px;margin-top:10px;}
.foot__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:30px;}
.foot a{color:var(--mist);font-size:.92rem;display:block;margin-bottom:8px;opacity:.85;}
.foot a:hover{opacity:1;color:var(--white);}
.foot .brand{color:var(--white);margin-bottom:12px;}
.foot h5{color:var(--gold);font-family:var(--body);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px;font-weight:700;}
.foot__base{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:18px;font-size:.78rem;color:var(--steel);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.foot__base p{margin:0;}

@media(max-width:780px){
  .two-col{grid-template-columns:1fr;}
  .foot__grid{grid-template-columns:1fr 1fr;}
  .nav__links{gap:14px;}
  .nav__links .navlink{display:none;}
  section{padding:46px 0;}
}