*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{
--navy:#0C1F3F;--navy-mid:#132D54;--slate:#2A3F5F;--steel:#546A8A;
--stone:#7E90A6;--silver:#A8B8CC;--cloud:#D8DFE8;--mist:#EEF1F5;
--pearl:#F6F7F9;--warm:#FAFAF8;--white:#FFF;--blue:#1565C0;
--accent:#B8944A;--green:#2E7D4F;--red:#B33A2E;
--serif:'Newsreader',Georgia,serif;--sans:'DM Sans',-apple-system,sans-serif;
}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--navy);background:var(--warm);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
.con{max-width:1200px;margin:0 auto;padding:0 28px}
.sl{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--stone);margin-bottom:16px}
h2.sh{font-family:var(--serif);font-weight:500;font-size:clamp(28px,3.2vw,38px);line-height:1.25;color:var(--navy);letter-spacing:-0.01em;margin-bottom:16px}

/* HEADER */
.header{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(250,250,248,0.92);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid rgba(12,31,63,0.06);transition:box-shadow .3s}
.header.scrolled{box-shadow:0 1px 24px rgba(12,31,63,0.06)}
.hdr{max-width:1200px;margin:0 auto;padding:0 28px;display:flex;align-items:center;justify-content:space-between;height:68px}
.logo-img{height:48px;width:auto}
.nav{display:none;align-items:center;gap:32px}
@media(min-width:768px){.nav{display:flex}}
.nav a{font-size:14px;font-weight:500;color:var(--steel);transition:color .2s}
.nav a:hover,.nav a.active{color:var(--navy)}
.nav-cta{font-size:13px;font-weight:600;color:var(--white)!important;background:var(--navy);padding:10px 24px;border-radius:5px;transition:all .2s}
.nav-cta:hover{background:var(--navy-mid)}
.mob-btn{display:flex;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px;z-index:200}
@media(min-width:768px){.mob-btn{display:none}}
.mob-btn span{display:block;width:22px;height:2px;background:var(--navy);border-radius:1px;transition:all .3s}
.mob-btn.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.mob-btn.open span:nth-child(2){opacity:0}
.mob-btn.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-overlay{position:fixed;top:0;left:0;width:100%;height:100%;background:rgba(12,31,63,0.5);z-index:140;opacity:0;pointer-events:none;transition:opacity .3s}
.mob-overlay.open{opacity:1;pointer-events:auto}
.mob-menu{position:fixed;top:0;right:-100%;width:280px;height:100vh;background:var(--navy);z-index:150;padding:100px 40px 40px;transition:right .35s ease}
.mob-menu.open{right:0}
.mob-menu a{display:block;font-size:18px;font-weight:500;color:var(--silver);padding:16px 0;border-bottom:1px solid rgba(255,255,255,0.06);transition:color .2s}
.mob-menu a:hover{color:var(--white)}

/* BUTTONS */
.btn-p{display:inline-flex;align-items:center;gap:8px;font-size:15px;font-weight:600;color:var(--white);background:var(--navy);padding:14px 28px;border-radius:5px;transition:all .2s}
.btn-p:hover{background:var(--navy-mid);transform:translateY(-1px);box-shadow:0 4px 16px rgba(12,31,63,0.15)}
.btn-p svg{width:16px;height:16px}
.btn-s{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--steel);background:none;padding:14px 24px;border:1px solid var(--cloud);border-radius:5px;transition:all .2s}
.btn-s:hover{border-color:var(--silver);background:var(--pearl)}

/* CARDS */
.card{padding:36px 32px;border-radius:8px;background:var(--white);border:1px solid var(--cloud);transition:all .3s}
.card:hover{border-color:var(--silver);box-shadow:0 4px 24px rgba(12,31,63,0.05)}
.card .n{font-family:var(--serif);font-size:28px;color:var(--cloud);margin-bottom:16px;line-height:1}
.card h3{font-family:var(--serif);font-size:22px;font-weight:500;color:var(--navy);margin-bottom:12px;line-height:1.3}
.card p{font-size:15px;line-height:1.65;color:var(--steel)}

/* CTA SECTION */
.cta-section{padding:100px 0;background:var(--navy)}
.cta-section h2{font-family:var(--serif);font-weight:500;font-size:clamp(28px,3.2vw,38px);line-height:1.25;color:var(--white);letter-spacing:-0.01em;margin-bottom:16px}
.cta-section p{font-size:16px;line-height:1.7;color:var(--silver);margin-bottom:36px;max-width:520px}
.cta-btn{display:inline-flex;align-items:center;gap:10px;font-size:15px;font-weight:600;color:var(--navy);background:var(--white);padding:15px 32px;border-radius:5px;transition:all .2s}
.cta-btn:hover{background:var(--mist);transform:translateY(-1px);box-shadow:0 4px 16px rgba(0,0,0,0.15)}

/* FOOTER */
.footer{padding:40px 0;background:var(--navy);border-top:1px solid rgba(255,255,255,0.04)}
.f-top{display:flex;flex-direction:column;gap:20px;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,0.06);margin-bottom:24px}
@media(min-width:768px){.f-top{flex-direction:row;justify-content:space-between;align-items:center}}
.f-brand{font-family:var(--serif);font-size:16px;color:var(--silver)}
.f-links{display:flex;gap:28px;flex-wrap:wrap}
.f-links a{font-size:13px;color:var(--stone);transition:color .2s}
.f-links a:hover{color:var(--silver)}
.f-bottom{display:flex;flex-direction:column;gap:8px}
@media(min-width:768px){.f-bottom{flex-direction:row;justify-content:space-between;align-items:center}}
.f-copy{font-size:12px;color:var(--stone)}
.f-legal{display:flex;gap:20px}
.f-legal a{font-size:12px;color:var(--stone);transition:color .2s;text-decoration:underline;text-decoration-color:rgba(126,144,166,0.3)}
.f-legal a:hover{color:var(--silver)}

/* PAGE HEADER */
.page-hdr{padding:140px 0 60px;background:var(--warm)}
.page-hdr h1{font-family:var(--serif);font-weight:500;font-size:clamp(32px,4vw,48px);line-height:1.2;color:var(--navy);letter-spacing:-0.02em;margin-bottom:16px}
.page-hdr p{font-size:18px;line-height:1.7;color:var(--steel);max-width:560px;font-weight:400}

/* REVEAL */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .5s ease,transform .5s ease}
.reveal.vis{opacity:1;transform:translateY(0)}

/* DISCLAIMER */
.disclaimer{font-size:12px;color:var(--stone);font-style:italic;line-height:1.5}