:root {
  --navy: #0F2D3A;
  --teal: #0E6B6F;
  --gold: #D4B573;
  --ivory: #F7F4EA;
  --slate: #6B7280;
  --white: #FFFFFF;
  --ink: #172126;
  --line: rgba(15,45,58,.14);
  --shadow: 0 24px 70px rgba(15,45,58,.12);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Montserrat", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
}
a { color: inherit; }
img { max-width: 100%; display: block; }
.shell { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav-wrap { min-height: 82px; display: flex; align-items: center; gap: 28px; }
.brand { width: 278px; flex: 0 0 auto; }
.brand img { width: 100%; height: auto; }
.nav-links { margin-left: auto; display: flex; align-items: center; gap: 26px; }
.nav-links a { text-decoration: none; font-size: .88rem; font-weight: 600; color: var(--navy); }
.nav-links a:hover { color: var(--teal); }
.button {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 50px; padding: 0 22px;
  border-radius: 8px; text-decoration: none;
  background: var(--teal); color: var(--white);
  font-weight: 700; font-size: .9rem;
  border: 1px solid var(--teal);
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.button:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(14,107,111,.18); }
.button-small { min-height: 42px; padding: 0 18px; font-size: .82rem; }
.button-ghost { background: transparent; color: var(--navy); border-color: rgba(15,45,58,.28); }
.button-gold { background: var(--gold); border-color: var(--gold); color: var(--navy); }
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--ivory) 0%, #fff 52%, #eef6f5 100%);
  border-bottom: 1px solid var(--line);
}
.hero-grid { min-height: 690px; display: grid; grid-template-columns: 1.15fr .85fr; gap: 74px; align-items: center; padding: 86px 0; }
.eyebrow { margin: 0 0 18px; color: var(--teal); font-size: .76rem; font-weight: 800; letter-spacing: .14em; }
.gold { color: var(--gold); }
h1,h2 { font-family: "Playfair Display", Georgia, serif; color: var(--navy); line-height: 1.08; margin: 0; }
h1 { font-size: clamp(3.25rem, 6vw, 5.75rem); letter-spacing: -.035em; }
h1 span { color: var(--teal); }
h2 { font-size: clamp(2.2rem, 4vw, 3.8rem); letter-spacing: -.025em; }
h3 { color: var(--navy); margin: 0 0 8px; font-size: 1.05rem; }
.hero-lead { max-width: 740px; margin: 26px 0 0; font-size: 1.08rem; color: #43535a; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }
.trust-row { margin-top: 34px; display: flex; flex-wrap: wrap; gap: 10px 20px; color: var(--slate); font-size: .78rem; font-weight: 700; }
.trust-row span:not(:last-child)::after { content: "•"; margin-left: 20px; color: var(--gold); }
.hero-panel { min-height: 460px; position: relative; display: grid; place-items: center; }
.ripple { position: absolute; border-radius: 50%; border: 1px solid rgba(14,107,111,.22); }
.ripple-one { width: 420px; height: 420px; }
.ripple-two { width: 330px; height: 330px; border-color: rgba(212,181,115,.5); }
.ripple-three { width: 245px; height: 245px; border-color: rgba(14,107,111,.32); }
.panel-card {
  position: relative; z-index: 2; width: min(330px, 90%);
  padding: 44px; background: var(--navy); color: var(--white);
  border-radius: 18px; box-shadow: var(--shadow);
}
.panel-card img { width: 72px; margin-bottom: 28px; }
.panel-kicker { color: var(--gold); text-transform: uppercase; letter-spacing: .12em; font-weight: 800; font-size: .73rem; margin: 0 0 6px; }
.panel-title { margin: 0; font-family: "Playfair Display", Georgia, serif; font-size: 2rem; line-height: 1.1; }
.panel-text { color: rgba(255,255,255,.72); font-size: .9rem; margin: 18px 0 0; }
.section { padding: 100px 0; }
.section-heading { max-width: 790px; margin-bottom: 46px; }
.section-heading > p:last-child { color: var(--slate); max-width: 650px; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { border: 1px solid var(--line); border-radius: 14px; padding: 30px; min-height: 210px; background: #fff; transition: transform .18s ease, box-shadow .18s ease; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card-no { display: inline-block; color: var(--gold); font-weight: 800; font-size: .78rem; letter-spacing: .12em; margin-bottom: 28px; }
.card p { color: var(--slate); font-size: .9rem; margin: 0; }
.section-dark { background: var(--navy); color: var(--white); }
.section-heading.light h2 { color: var(--white); }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.12); border-radius: 16px; overflow: hidden; }
.step { padding: 34px 28px; background: var(--navy); min-height: 250px; }
.step > span { width: 36px; height: 36px; display: inline-grid; place-items: center; border-radius: 50%; border: 1px solid var(--gold); color: var(--gold); font-weight: 800; margin-bottom: 28px; }
.step h3 { color: var(--white); }
.step p { margin: 0; color: rgba(255,255,255,.67); font-size: .88rem; }
.split { display: grid; grid-template-columns: .9fr 1.1fr; gap: 80px; align-items: start; }
.about-copy > p { color: #4e5b61; font-size: 1rem; }
.audience-grid { margin-top: 34px; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.audience-grid div { padding: 22px; border-left: 3px solid var(--gold); background: var(--ivory); }
.audience-grid strong, .audience-grid span { display: block; }
.audience-grid span { color: var(--slate); font-size: .82rem; margin-top: 5px; }
.section-ivory { background: var(--ivory); }
.why-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 80px; }
.why-list { border-top: 1px solid rgba(15,45,58,.18); }
.why-list div { display: grid; grid-template-columns: 190px 1fr; gap: 20px; padding: 22px 0; border-bottom: 1px solid rgba(15,45,58,.18); }
.why-list strong { color: var(--navy); }
.why-list span { color: var(--slate); font-size: .9rem; }
.cta { background: var(--teal); color: var(--white); padding: 86px 0; }
.cta-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 70px; align-items: center; }
.cta h2 { color: var(--white); }
.cta p { color: rgba(255,255,255,.78); max-width: 680px; }
.contact-card { background: var(--white); color: var(--navy); border-radius: 14px; padding: 30px; box-shadow: 0 20px 60px rgba(15,45,58,.24); display: flex; flex-direction: column; align-items: flex-start; gap: 7px; }
.contact-card > a:not(.button) { text-decoration: none; font-weight: 700; }
.contact-card span { color: var(--slate); font-size: .85rem; }
.contact-card hr { width: 100%; border: 0; border-top: 1px solid var(--line); margin: 14px 0 8px; }
.contact-card p { color: var(--slate); margin: 0; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }
footer { background: #0b202a; color: rgba(255,255,255,.72); padding: 44px 0; }
.footer-grid { display: grid; grid-template-columns: 1fr auto; gap: 30px; align-items: end; }
footer img { width: 260px; filter: brightness(0) invert(1); opacity: .9; }
footer p { margin: 8px 0 0; font-size: .78rem; }
.footer-links { display: flex; gap: 18px; font-size: .78rem; }
.footer-links a { color: rgba(255,255,255,.8); text-decoration: none; }
.footer-legal { grid-column: 1 / -1; padding-top: 24px; margin-top: 6px; border-top: 1px solid rgba(255,255,255,.12); font-size: .72rem; }
@media (max-width: 980px) {
  .nav-links { display: none; }
  .site-header .button-small { margin-left: auto; }
  .hero-grid { grid-template-columns: 1fr; min-height: auto; gap: 30px; padding: 70px 0; }
  .hero-panel { min-height: 400px; }
  .cards { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .split, .why-grid, .cta-grid { grid-template-columns: 1fr; gap: 44px; }
}
@media (max-width: 640px) {
  .shell { width: min(100% - 28px, 1180px); }
  .nav-wrap { min-height: 70px; gap: 14px; }
  .brand { width: 210px; }
  .site-header .button-small { display: none; }
  .hero-grid { padding: 58px 0; }
  h1 { font-size: 3.2rem; }
  .hero-lead { font-size: .98rem; }
  .trust-row span::after { display: none; }
  .hero-panel { min-height: 330px; }
  .ripple-one { width: 310px; height: 310px; }
  .ripple-two { width: 245px; height: 245px; }
  .ripple-three { width: 180px; height: 180px; }
  .panel-card { width: 250px; padding: 30px; }
  .section { padding: 76px 0; }
  .cards, .steps, .audience-grid { grid-template-columns: 1fr; }
  .why-list div { grid-template-columns: 1fr; gap: 5px; }
  .footer-grid { grid-template-columns: 1fr; align-items: start; }
  .footer-links { flex-direction: column; gap: 8px; }
}