:root{--navy:#031c3b;--navy2:#062951;--gold:#c87900;--cream:#f7f4ee;--text:#0b2344;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.55}
a{text-decoration:none;color:inherit}.wrap{width:min(1180px,92%);margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid #e7e7e7}
.nav{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:82px}.brand{font-family:Georgia,serif;font-size:32px;font-weight:700;color:var(--navy)}.brand span{color:var(--gold)}
nav{display:flex;gap:22px;align-items:center;font-size:14px;font-weight:700}nav a:hover{color:var(--gold)}
.btn{display:inline-block;background:var(--gold);color:#fff;padding:13px 20px;border-radius:7px;font-weight:700}.btn.alt{background:var(--navy)}
.hero{background:linear-gradient(90deg,var(--navy) 0 43%,transparent 70%),url('../images/home.jpg') center/cover;min-height:620px;color:#fff;display:flex;align-items:center}
.hero-copy{max-width:590px;padding:70px 0}.eyebrow{color:#e5a33e;font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:13px}
h1,h2,h3{font-family:Georgia,'Times New Roman',serif;line-height:1.08;margin-top:0}h1{font-size:clamp(46px,6vw,78px);margin-bottom:24px}h2{font-size:clamp(34px,4vw,52px);margin-bottom:20px}h3{font-size:25px}
.gold{color:#e59619}.lead{font-size:19px;max-width:720px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.band{background:var(--navy);color:#fff;padding:28px 0}.features{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.feature{padding:10px 22px;border-left:2px solid var(--gold)}
section{padding:76px 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}.visual{border-radius:18px;overflow:hidden;box-shadow:0 20px 45px rgba(0,0,0,.15)}.visual img{width:100%;display:block}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{border:1px solid #e5e5e5;border-radius:12px;padding:28px;background:#fff;box-shadow:0 10px 25px rgba(3,28,59,.06)}.card strong{color:var(--gold)}
.dark{background:var(--navy);color:#fff}.soft{background:var(--cream)}
.page-hero{padding:70px 0;background:var(--navy);color:#fff}.page-hero .split{grid-template-columns:1.05fr .95fr}.page-hero img{width:100%;border-radius:14px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.step{padding:30px;border-top:3px solid var(--gold);background:#fff;color:var(--text);border-radius:8px}.step b{font-size:36px;color:var(--gold)}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:35px}.contact-box{background:var(--navy);color:#fff;border-radius:14px;padding:34px}.contact-box a{color:#fff}
form{display:grid;grid-template-columns:1fr 1fr;gap:15px}input,textarea{width:100%;padding:14px;border:1px solid #d9d9d9;border-radius:7px;font:inherit}textarea{min-height:160px;grid-column:1/-1}.full{grid-column:1/-1}
footer{background:#02152e;color:#fff;padding:45px 0 25px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:35px}.small{font-size:13px;color:#ccd5df}
.notice{background:#fff8ea;border-left:4px solid var(--gold);padding:18px;border-radius:5px}
@media(max-width:800px){nav{display:none}.split,.cards,.features,.steps,.contact-grid,.footer-grid{grid-template-columns:1fr}.hero{background:linear-gradient(rgba(3,28,59,.82),rgba(3,28,59,.82)),url('../images/home.jpg') center/cover}.hero-copy{padding:50px 0}form{grid-template-columns:1fr}.full,textarea{grid-column:auto}}