:root{--navy:#0d1f3c;--navy2:#142852;--blue:#1d4ed8;--blue2:#3b82f6;--gold:#c9a84c;--gold2:#e8c96a;--goldpale:#fdf3d4;--ink:#101a2b;--muted:#5b6b85;--line:#e7ecf3;--bg:#f7f9fc;--card:#fff}
*{box-sizing:border-box}
body{margin:0;font-family:'DM Sans',system-ui,-apple-system,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3,.cairo{font-family:'Cairo','DM Sans',sans-serif}
img{max-width:100%}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
.site-header{background:var(--navy);position:sticky;top:0;z-index:40;box-shadow:0 2px 18px rgba(13,31,60,.18)}
.nav{display:flex;align-items:center;gap:16px;min-height:64px;flex-wrap:wrap;padding:8px 0}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:'Cairo';font-weight:700;font-size:17px}
.brand .b{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--gold),var(--gold2));display:flex;align-items:center;justify-content:center;color:var(--navy);font-weight:900;font-size:13px}
.nav-links{margin-left:auto;display:flex;gap:15px;align-items:center;flex-wrap:wrap}
.nav-links a{color:rgba(255,255,255,.82);text-decoration:none;font-size:14px;font-weight:500}
.nav-links a:hover{color:var(--gold2)}
.nav-cta{background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy)!important;padding:9px 15px;border-radius:9px;font-weight:700}
.phero{position:relative;color:#fff;padding:92px 0 78px;background:var(--navy);background-size:cover;background-position:center}
.phero .wrap{position:relative;z-index:2}
.eyebrow{display:inline-block;background:rgba(201,168,76,.2);color:var(--gold2);padding:5px 14px;border-radius:30px;font-size:13px;font-weight:600;letter-spacing:.4px;margin-bottom:16px}
.phero h1{font-size:clamp(30px,5vw,47px);line-height:1.12;margin:0 0 16px;max-width:780px}
.phero p{font-size:18px;color:rgba(255,255,255,.86);max-width:640px;margin:0 0 26px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:11px;font-weight:700;text-decoration:none;font-size:15px;border:none;cursor:pointer}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy)}
.btn-ghost{border:1.5px solid rgba(255,255,255,.4);color:#fff}
.btn-blue{background:var(--blue);color:#fff}
.btn-row{display:flex;gap:12px;flex-wrap:wrap}
section.sec{padding:62px 0}
.sec h2{font-size:clamp(24px,3.4vw,34px);margin:0 0 10px}
.lead{color:var(--muted);font-size:17px;max-width:740px;margin:0 0 34px}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:25px}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--goldpale);color:#9a7b25;display:flex;align-items:center;justify-content:center;margin-bottom:14px;font-size:22px}
.card h3{margin:0 0 8px;font-size:18px}.card p{margin:0;color:var(--muted);font-size:15px}
.statgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stat{background:var(--navy2);color:#fff;border-radius:16px;padding:24px;text-align:center}
.stat b{display:block;font-family:'Cairo';font-size:32px;color:var(--gold2)}.stat span{font-size:13px;color:rgba(255,255,255,.72)}
.ctaband{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:20px;padding:46px 30px;text-align:center}
.ctaband h2{color:#fff;margin:0 0 8px}.ctaband p{color:rgba(255,255,255,.86);max-width:620px;margin:0 auto 22px}
.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:38px;align-items:center}
.imgband{border-radius:18px;min-height:300px;background-size:cover;background-position:center;box-shadow:0 18px 50px rgba(13,31,60,.18)}
.chk{list-style:none;padding:0;margin:0}.chk li{padding:7px 0 7px 30px;position:relative;font-size:16px}.chk li:before{content:'✓';position:absolute;left:0;top:7px;color:var(--gold);font-weight:900}
.site-footer{background:var(--navy);color:rgba(255,255,255,.72);padding:46px 0 26px;margin-top:30px}
.site-footer a{color:rgba(255,255,255,.72);text-decoration:none}.site-footer a:hover{color:var(--gold2)}
.fcols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px;margin-bottom:28px}
.fcols h4{color:#fff;font-size:14px;margin:0 0 12px}.fcols ul{list-style:none;padding:0;margin:0;line-height:2}
.fbar{border-top:1px solid rgba(255,255,255,.13);padding-top:18px;font-size:12.5px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.prose{max-width:760px;margin:0 auto}.prose h2{margin-top:36px;font-size:26px}.prose p,.prose li{font-size:17px;color:#26354d}.prose ul{padding-left:22px}
.faq{border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:11px;background:#fff}.faq h3{margin:0 0 6px;font-size:16px}.faq p{margin:0;color:var(--muted);font-size:15px}
.crumb{font-size:13px;color:var(--muted);margin-bottom:8px}.crumb a{color:var(--muted)}
.postcard{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;text-decoration:none;color:inherit;transition:.18s}.postcard:hover{transform:translateY(-3px);box-shadow:0 16px 40px rgba(13,31,60,.12)}
.postcard .ph{height:150px;background-size:cover;background-position:center}.postcard .bd{padding:20px}.postcard h3{margin:0 0 8px;font-size:18px}.postcard p{margin:0;color:var(--muted);font-size:14.5px}
@media(max-width:880px){.g3,.g4,.statgrid{grid-template-columns:1fr 1fr}.g2,.fcols,.split{grid-template-columns:1fr}}
@media(max-width:560px){.g3,.g4,.statgrid{grid-template-columns:1fr}.nav-links{gap:11px;font-size:13px}}