:root{--navy:#33598e;--navy-d:#1f3c66;--gold:#f8c736;--ink:#0a0505;--muted:#5b6170;--bg-alt:#f8f8f8;--line:#e6e6e6;--max:1140px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:72px}
body{margin:0;font-family:Roboto,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.7;color:var(--ink);background:#fff}
img{max-width:100%;display:block}
a{color:var(--navy)}
a:hover{color:var(--navy-d)}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:8px 12px}

/* Header */
.site-header{position:fixed;inset:0 0 auto 0;z-index:50;transition:background .25s,box-shadow .25s}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:72px}
.site-header .logo img{height:36px;width:auto}
.site-header .logo .dark{display:none}
.site-header.scrolled{background:#fff;box-shadow:0 2px 12px rgba(0,0,0,.08)}
.site-header.scrolled .logo .light{display:none}
.site-header.scrolled .logo .dark{display:block}
.nav{display:flex;gap:28px;list-style:none;margin:0;padding:0}
.nav a{font-family:Montserrat,Roboto,sans-serif;font-weight:600;font-size:14px;color:#fff;text-decoration:none}
.site-header.scrolled .nav a{color:var(--navy)}
.nav a:hover{color:var(--gold)!important}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:26px;cursor:pointer;line-height:1}
.site-header.scrolled .menu-btn{color:var(--navy)}
.site-header.solid{background:#fff;box-shadow:0 2px 12px rgba(0,0,0,.08)}
.site-header.solid .logo .light{display:none}.site-header.solid .logo .dark{display:block}
.site-header.solid .nav a,.site-header.solid .menu-btn{color:var(--navy)}

/* Hero */
.hero{min-height:100vh;display:flex;align-items:center;justify-content:center;text-align:center;color:#fff;background:linear-gradient(rgba(10,20,40,.35),rgba(10,20,40,.35)),url(img/hero.jpg) center/cover no-repeat}
.hero h1{font-size:clamp(40px,6vw,72px);font-weight:900;margin:0;line-height:1.1}
.hero p{font-family:Montserrat,Roboto,sans-serif;font-size:clamp(16px,2vw,20px);margin:14px 0 0}

/* Sections */
section{padding:90px 0}
.alt{background:var(--bg-alt)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split .media{min-height:380px;background-size:cover;background-position:center;border-radius:2px}
.intro .brand{display:flex;justify-content:center}
.intro .brand img{max-width:420px;width:100%}
.intro-text{max-width:860px;margin:40px auto 0}
.eyebrow-title{text-align:center;margin-bottom:36px}
.title{color:var(--navy);font-size:38px;font-weight:600;line-height:1.2;margin:0}
.title::after{content:"";display:block;width:220px;max-width:60%;height:2px;background:var(--gold);margin:14px auto 10px}
.subtitle{font-weight:700;font-size:15px;margin:0}
.split .title::after{margin-left:0}
.split .eyebrow-title{text-align:left}
p{margin:0 0 1em}
.note{font-size:14px;color:var(--muted);border-left:3px solid var(--gold);padding-left:14px}

/* Tabs */
.tabs{margin-top:56px}
.tablist{display:flex;gap:4px;border-bottom:1px solid var(--line);flex-wrap:wrap}
.tablist button{font:600 16px Roboto,sans-serif;color:var(--navy);background:none;border:1px solid transparent;border-bottom:0;padding:14px 26px;cursor:pointer;margin-bottom:-1px}
.tablist button[aria-selected=true]{color:var(--gold);background:#fbfbfb;border-color:var(--line)}
.tabpanel{padding:32px 4px 0}
.tabpanel[hidden]{display:none}
.tabpanel h5{color:var(--navy);font-size:18px;margin:0 0 8px}
.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;list-style:none;padding:0;margin:24px 0 0}
.cols>li>strong{display:block;color:var(--navy);font-size:17px;margin-bottom:6px}
.cols ul{padding-left:18px;margin:0}
.stack{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:28px}

/* Process steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;list-style:none;padding:0;margin:48px 0 0;counter-reset:s}
.steps>li{background:#fff;border-top:3px solid var(--gold);padding:26px 22px;box-shadow:0 2px 10px rgba(0,0,0,.05);counter-increment:s}
.steps>li::before{content:"0" counter(s);display:block;color:var(--gold);font-weight:900;font-size:28px;line-height:1}
.steps strong{display:block;color:var(--navy);font-size:19px;margin:10px 0 8px}
.steps ul{padding-left:18px;margin:0}

/* Ticker */
.ticker{padding:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* Contact */
.contact{position:relative;color:#fff;background:linear-gradient(rgba(15,30,55,.82),rgba(15,30,55,.82)),url(img/contact.jpg) center/cover no-repeat}
.contact .title{color:#fff}
.contact .subtitle{color:#fff}
.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:56px;margin-top:20px}
.contact address{font-style:normal;line-height:2}
.contact a{color:#fff}
.contact h3{font-size:22px;margin:0 0 10px;color:var(--gold)}
form label{display:block;font-size:14px;margin:0 0 6px}
form input,form textarea{width:100%;font:16px Roboto,sans-serif;padding:12px 14px;border:1px solid rgba(255,255,255,.35);background:rgba(255,255,255,.95);color:var(--ink);border-radius:2px;margin-bottom:16px}
form textarea{min-height:140px;resize:vertical}
.btn{display:inline-block;background:var(--gold);color:var(--ink);font:700 15px Montserrat,Roboto,sans-serif;border:0;padding:13px 32px;cursor:pointer;border-radius:2px}
.btn:hover{background:#ffd75e}
.form-status{margin-top:12px;font-size:15px}
.hp{display:none}

/* Footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:56px 0 24px;font-size:14px}
.footer-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:32px;align-items:start}
.site-footer img{width:180px;height:auto;margin-bottom:12px}
.site-footer ul{list-style:none;padding:0;margin:0;line-height:2}
.site-footer a{text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.copyright{border-top:1px solid var(--line);margin-top:36px;padding-top:18px;text-align:center;color:var(--muted)}

/* Legal pages */
.legal{padding:150px 0 80px}
.legal .container{max-width:860px}
.legal h1{color:var(--navy);font-size:38px;font-weight:600;margin:0 0 28px}
.legal h4{color:var(--navy);font-size:20px;margin:32px 0 8px}

.to-top{position:fixed;right:20px;bottom:20px;width:40px;height:40px;background:var(--gold);color:var(--ink);display:flex;align-items:center;justify-content:center;text-decoration:none;border-radius:2px;opacity:0;pointer-events:none;transition:opacity .25s;font-weight:700}
.to-top.show{opacity:1;pointer-events:auto}

@media (max-width:900px){
  .split,.contact-grid,.footer-grid{grid-template-columns:1fr;gap:32px}
  .split .media{min-height:260px}
  .split.reverse .media{order:-1}
  .cols{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  section{padding:64px 0}
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;gap:0;padding:8px 0;box-shadow:0 8px 16px rgba(0,0,0,.08)}
  .nav.open{display:flex}
  .nav a{display:block;padding:12px 20px;color:var(--navy)!important}
}
@media (max-width:560px){.steps{grid-template-columns:1fr}.title{font-size:30px}.tablist button{padding:12px 14px;font-size:15px}}