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

:root {
  --navy: #1a2d5a;
  --navy-dark: #0f1e40;
  --navy-light: #253e78;
  --gold: #b8902a;
  --gold-light: #d4a843;
  --cream: #faf8f3;
  --white: #ffffff;
  --text-dark: #1a1a2e;
  --text-mid: #444;
  --text-light: #777;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', sans-serif;
  color: var(--text-dark);
  background: var(--white);
}

a { color: inherit; }

.topbar {
  background: var(--navy-dark);
  border-bottom: 1px solid rgba(184,144,42,0.25);
  padding: 18px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  text-decoration: none;
  display: flex;
  flex-direction: column;
}

.brand strong {
  font-family: 'Cormorant Garamond', serif;
  color: var(--white);
  font-size: 20px;
  letter-spacing: 2px;
  text-transform: uppercase;
}

.brand span {
  color: var(--gold-light);
  font-size: 10px;
  letter-spacing: 3px;
  text-transform: uppercase;
}

.nav {
  display: flex;
  align-items: center;
  gap: 26px;
}

.nav a {
  color: rgba(255,255,255,0.72);
  text-decoration: none;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.8px;
  text-transform: uppercase;
}

.nav .cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  padding: 11px 22px;
  border-radius: 2px;
}

.hero {
  background: linear-gradient(160deg, var(--navy-dark), var(--navy) 58%, #1f3870);
  color: var(--white);
  padding: 88px 48px 74px;
}

.hero-inner,
.section-inner {
  max-width: 1120px;
  margin: 0 auto;
}

.eyebrow {
  display: inline-block;
  color: var(--gold-light);
  border-bottom: 1px solid var(--gold);
  padding-bottom: 8px;
  margin-bottom: 24px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 4px;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  font-family: 'Cormorant Garamond', serif;
  font-weight: 400;
}

h1 {
  max-width: 820px;
  font-size: 62px;
  line-height: 1.08;
  margin-bottom: 24px;
}

h1 em,
h2 em {
  color: var(--gold-light);
  font-style: italic;
}

.hero p {
  max-width: 680px;
  color: rgba(255,255,255,0.72);
  font-size: 15px;
  line-height: 1.85;
  margin-bottom: 36px;
}

.actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.btn {
  display: inline-block;
  text-decoration: none;
  border-radius: 2px;
  padding: 15px 30px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
}

.btn-outline {
  border: 1px solid rgba(255,255,255,0.35);
  color: rgba(255,255,255,0.82);
}

section {
  padding: 80px 48px;
}

.cream { background: var(--cream); }
.navy { background: var(--navy-dark); color: var(--white); }

.section-head {
  max-width: 760px;
  margin-bottom: 42px;
}

.section-head h2 {
  color: var(--navy-dark);
  font-size: 44px;
  line-height: 1.15;
}

.navy .section-head h2 { color: var(--white); }

.section-head p,
.lead {
  color: var(--text-mid);
  font-size: 14px;
  line-height: 1.9;
  margin-top: 18px;
}

.navy .section-head p,
.navy .lead {
  color: rgba(255,255,255,0.66);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.card {
  background: var(--white);
  border: 1px solid rgba(184,144,42,0.18);
  border-top: 3px solid var(--gold);
  padding: 30px;
  border-radius: 4px;
}

.navy .card {
  background: rgba(255,255,255,0.05);
  border-color: rgba(184,144,42,0.28);
}

.card h3 {
  color: var(--navy-dark);
  font-size: 25px;
  margin-bottom: 10px;
}

.navy .card h3 { color: var(--white); }

.card p,
.card li {
  color: var(--text-mid);
  font-size: 13px;
  line-height: 1.8;
}

.navy .card p,
.navy .card li { color: rgba(255,255,255,0.62); }

ul.clean {
  list-style: none;
}

ul.clean li {
  border-bottom: 1px solid rgba(26,45,90,0.08);
  padding: 12px 0;
}

.navy ul.clean li { border-color: rgba(255,255,255,0.1); }

.cta-band {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  text-align: center;
}

.cta-band h2 {
  font-size: 44px;
  margin-bottom: 14px;
}

.cta-band p {
  max-width: 680px;
  margin: 0 auto 28px;
  color: rgba(15,30,64,0.76);
  font-size: 14px;
  line-height: 1.8;
}

.cta-band .btn {
  background: var(--navy-dark);
  color: var(--white);
}

footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.45);
  padding: 34px 48px;
  font-size: 12px;
}

.footer-inner {
  max-width: 1120px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

@media (max-width: 820px) {
  .topbar { padding: 16px 20px; align-items: flex-start; }
  .nav { display: none; }
  .hero { padding: 64px 20px 56px; }
  h1 { font-size: 44px; }
  section { padding: 58px 20px; }
  .section-head h2,
  .cta-band h2 { font-size: 36px; }
  .grid-3,
  .grid-2 { grid-template-columns: 1fr; }
}