:root {
  --navy: #14213d;
  --navy-2: #1f2f55;
  --gold: #b8912f;
  --gold-2: #d4ad4a;
  --ink: #1e232b;
  --muted: #5b6472;
  --line: #e2e6ec;
  --bg: #ffffff;
  --bg-soft: #f5f7fa;
  --max: 1120px;
  --radius: 10px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
}
a { color: var(--navy); }
img { max-width: 100%; display: block; }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; color: var(--navy); }
h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--gold); color: #000; padding: 8px 12px; z-index: 100; }
.skip:focus { left: 8px; }

/* Header */
.topbar { background: var(--navy); color: #cfd6e4; font-size: .9rem; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; min-height: 36px; gap: 16px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; }
.topbar a:hover { text-decoration: underline; }
header.site { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
header.site .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand .mark { width: 42px; height: 42px; border-radius: 8px; background: var(--navy); color: var(--gold-2); display: grid; place-items: center; font-weight: 800; font-size: 1.05rem; letter-spacing: .5px; }
.brand .name { font-weight: 700; font-size: 1.15rem; line-height: 1.1; }
.brand .name small { display: block; font-weight: 500; font-size: .75rem; color: var(--muted); letter-spacing: .4px; text-transform: uppercase; }
nav.main ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 6px; align-items: center; }
nav.main a { text-decoration: none; color: var(--ink); padding: 8px 12px; border-radius: 6px; font-weight: 500; }
nav.main a:hover, nav.main a[aria-current="page"] { background: var(--bg-soft); color: var(--navy); }
.btn { display: inline-block; background: var(--gold); color: #111; font-weight: 700; padding: 10px 18px; border-radius: 6px; text-decoration: none; border: 0; cursor: pointer; font-size: 1rem; }
.btn:hover { background: var(--gold-2); }
.btn.ghost { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.7); }
.btn.ghost:hover { background: rgba(255,255,255,.12); }
.btn.login { background: var(--navy); color: #fff; }
.btn.login:hover { background: var(--navy-2); }
.menu-btn { display: none; background: none; border: 1px solid var(--line); border-radius: 6px; padding: 8px 10px; cursor: pointer; }
.menu-btn span { display: block; width: 22px; height: 2px; background: var(--navy); margin: 4px 0; }

/* Hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, #0e1830 100%); color: #fff; padding: 72px 0 80px; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px; border-radius: 50%; border: 60px solid rgba(184,145,47,.12); }
.hero h1 { color: #fff; max-width: 720px; }
.hero p.lead { font-size: 1.2rem; max-width: 640px; color: #d7deea; }
.hero .actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }
.hero .eyebrow { color: var(--gold-2); text-transform: uppercase; letter-spacing: 1.5px; font-weight: 700; font-size: .8rem; margin-bottom: 10px; }

/* Sections */
section { padding: 64px 0; }
section.soft { background: var(--bg-soft); }
.section-head { max-width: 720px; margin-bottom: 36px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.grid { display: grid; gap: 24px; }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.card h3 { margin-top: 10px; }
.card .icon { width: 44px; height: 44px; border-radius: 8px; background: var(--bg-soft); color: var(--gold); display: grid; place-items: center; font-weight: 800; }
.card p { color: var(--muted); margin-bottom: 0; }
.card ul { margin: 10px 0 0; padding-left: 20px; color: var(--muted); }
.card ul li { margin-bottom: 6px; }
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }
.stat { border-left: 3px solid var(--gold); padding-left: 16px; }
.stat b { display: block; font-size: 2rem; color: var(--navy); line-height: 1; }
.stat span { color: var(--muted); font-size: .95rem; }

/* States */
.states { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.state { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; display: flex; align-items: center; gap: 14px; }
.state .ab { width: 46px; height: 46px; border-radius: 8px; background: var(--navy); color: var(--gold-2); display: grid; place-items: center; font-weight: 800; letter-spacing: .5px; flex-shrink: 0; }
.state b { display: block; color: var(--navy); }
.state small { color: var(--muted); }

/* Process */
.steps { counter-reset: s; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.step { position: relative; padding: 22px 22px 22px 22px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.step::before { counter-increment: s; content: counter(s); position: absolute; top: -16px; left: 18px; width: 34px; height: 34px; border-radius: 50%; background: var(--gold); color: #111; font-weight: 800; display: grid; place-items: center; }
.step h3 { font-size: 1.05rem; margin-top: 8px; }
.step p { color: var(--muted); font-size: .95rem; margin: 0; }

/* CTA band */
.cta { background: var(--navy); color: #fff; padding: 56px 0; }
.cta .wrap { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.cta h2 { color: #fff; margin: 0; }
.cta p { color: #c9d2e3; margin: 6px 0 0; }

/* Page header */
.page-head { background: var(--bg-soft); border-bottom: 1px solid var(--line); padding: 48px 0; }
.page-head p { color: var(--muted); font-size: 1.1rem; max-width: 720px; margin: 0; }

/* Prose */
.prose { max-width: 780px; }
.prose h2 { margin-top: 1.6em; }
.prose ul { padding-left: 22px; }
.prose li { margin-bottom: .5em; }

/* Team */
.team { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.person { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; text-align: center; }
.person .avatar { width: 88px; height: 88px; border-radius: 50%; background: var(--navy); color: var(--gold-2); display: grid; place-items: center; margin: 0 auto 16px; font-weight: 800; font-size: 1.6rem; }
.person b { display: block; font-size: 1.1rem; color: var(--navy); }
.person span { color: var(--muted); font-size: .95rem; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px; }
.info-list { list-style: none; padding: 0; margin: 0; }
.info-list li { padding: 14px 0; border-bottom: 1px solid var(--line); display: flex; gap: 14px; }
.info-list li:last-child { border-bottom: 0; }
.info-list .k { width: 90px; flex-shrink: 0; color: var(--muted); font-size: .9rem; text-transform: uppercase; letter-spacing: .6px; padding-top: 3px; }
.info-list a { text-decoration: none; }
form.contact { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: .95rem; }
.field input, .field textarea, .field select { width: 100%; padding: 11px 12px; border: 1px solid #c9d0da; border-radius: 6px; font: inherit; font-size: 1rem; }
.field input:focus, .field textarea:focus, .field select:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.field textarea { min-height: 140px; resize: vertical; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.hp { position: absolute; left: -5000px; }
.note { font-size: .85rem; color: var(--muted); }
.form-msg { display: none; margin-top: 14px; padding: 12px 14px; border-radius: 6px; }
.form-msg.ok { display: block; background: #e8f5ec; color: #1d5c31; }
.form-msg.err { display: block; background: #fdeaea; color: #8a1f1f; }

/* Footer */
footer.site { background: #0e1830; color: #b9c3d6; padding: 48px 0 24px; font-size: .95rem; }
footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
footer h4 { color: #fff; margin: 0 0 12px; font-size: 1rem; }
footer ul { list-style: none; margin: 0; padding: 0; }
footer li { margin-bottom: 8px; }
footer a { color: #d7deea; text-decoration: none; }
footer a:hover { text-decoration: underline; color: #fff; }
footer .legal { border-top: 1px solid rgba(255,255,255,.12); margin-top: 32px; padding-top: 18px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: .85rem; color: #8f9bb3; }

/* Responsive */
@media (max-width: 960px) {
  .grid.cols-4, .steps { grid-template-columns: repeat(2, 1fr); }
  .grid.cols-3, .team, .states { grid-template-columns: repeat(2, 1fr); }
  footer .cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .menu-btn { display: block; }
  nav.main { display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--line); padding: 10px 20px 16px; }
  nav.main.open { display: block; }
  nav.main ul { flex-direction: column; align-items: stretch; gap: 2px; }
  nav.main a { display: block; padding: 12px; }
  nav.main .btn.login { margin-top: 8px; text-align: center; }
  .hero { padding: 52px 0 60px; }
  section { padding: 48px 0; }
  .grid.cols-2, .grid.cols-3, .grid.cols-4, .steps, .team, .states, .contact-grid, .row2 { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; gap: 18px; }
  footer .cols { grid-template-columns: 1fr; }
  .topbar .addr { display: none; }
  .brand .name { font-size: 1rem; }
  .brand .name small { display: none; }
}