:root {
  --navy: #0f2a43;
  --navy-dark: #0a1e31;
  --gold: #c9a227;
  --ink: #24303c;
  --muted: #5b6b7a;
  --bg: #ffffff;
  --bg-soft: #f5f7fa;
  --line: #e3e8ee;
  --max: 1080px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: "Helvetica Neue", Helvetica, Arial, system-ui, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16.5px;
}

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

/* Header */
header {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 3px solid var(--gold);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
  gap: 16px;
  flex-wrap: wrap;
}
.brand {
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: #fff;
  text-decoration: none;
  text-transform: uppercase;
}
.brand span { color: var(--gold); }
nav.links { display: flex; gap: 26px; flex-wrap: wrap; }
nav.links a {
  color: #d7dee6;
  text-decoration: none;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
}
nav.links a:hover { color: #fff; }

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 96px 0 104px;
}
.hero h1 {
  font-size: clamp(1.9rem, 4.5vw, 3rem);
  line-height: 1.2;
  max-width: 720px;
  font-weight: 700;
}
.hero p {
  margin-top: 20px;
  max-width: 640px;
  color: #c3cedb;
  font-size: 1.1rem;
}
.hero .cta {
  display: inline-block;
  margin-top: 34px;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700;
  padding: 13px 30px;
  border-radius: 4px;
  text-decoration: none;
  letter-spacing: 0.02em;
}
.hero .cta:hover { filter: brightness(1.08); }

/* Sections */
section { padding: 76px 0; }
section.alt { background: var(--bg-soft); }
.kicker {
  color: var(--gold);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.8rem;
}
h2 { font-size: 1.75rem; margin: 8px 0 18px; color: var(--navy); }
.lead { max-width: 760px; color: var(--muted); }

.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 26px;
  margin-top: 40px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 28px;
}
.card h3 { color: var(--navy); font-size: 1.12rem; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 0.97rem; }

/* Contact */
.contact-box {
  margin-top: 36px;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  border-radius: 8px;
  padding: 30px 34px;
  max-width: 560px;
}
.contact-box p { margin: 6px 0; }
.contact-box a { color: var(--navy); font-weight: 600; }

/* Legal pages */
.legal { padding: 64px 0 90px; }
.legal h1 { color: var(--navy); font-size: 2rem; margin-bottom: 6px; }
.legal .updated { color: var(--muted); font-size: 0.9rem; margin-bottom: 34px; }
.legal h2 { font-size: 1.25rem; margin: 34px 0 10px; }
.legal p, .legal li { color: var(--ink); max-width: 780px; }
.legal ul { padding-left: 22px; margin: 10px 0; }

/* Footer */
footer {
  background: var(--navy-dark);
  color: #9fb0c0;
  padding: 44px 0;
  font-size: 0.92rem;
}
.foot {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.foot a { color: #c3cedb; text-decoration: none; margin-left: 22px; }
.foot a:first-child { margin-left: 0; }
.foot a:hover { color: #fff; }

@media (max-width: 640px) {
  .hero { padding: 64px 0 72px; }
  section { padding: 56px 0; }
}