:root {
  --navy: #0A3D62;
  --gold: #C69C2D;
  --light: #F7F8FA;
  --dark: #0B1C2C;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; font-family: Inter, Roboto, "Segoe UI", Arial, sans-serif; color: var(--dark); }
a { color: var(--gold); text-decoration: none; }
.container { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.btn {
  background: var(--gold); color: white; padding: 12px 20px; border-radius: 10px; font-weight: 600; display: inline-block;
  transition: transform .08s ease, box-shadow .2s ease;
}
.btn:hover { transform: translateY(-1px); box-shadow: 0 8px 20px rgba(0,0,0,.12); }
nav { position: sticky; top: 0; background: rgba(10,61,98,.9); backdrop-filter: saturate(140%) blur(8px); z-index: 20; }
.nav-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 0; }
.logo-wrap { display: flex; gap: 10px; align-items: center; color: white; font-weight: 700; letter-spacing: .3px; }
.logo-wrap img { height: 44px; width: auto; border-radius: 6px; }
.hero { background: linear-gradient(180deg, rgba(10,61,98,1) 0%, rgba(10,61,98,.92) 60%, rgba(10,61,98,.85) 100%); color: white; }
.hero .content { padding: 80px 0 56px; }
.kicker { color: #ffffffcc; font-weight: 600; letter-spacing: .15em; text-transform: uppercase; font-size: 12px; }
h1 { font-size: 44px; line-height: 1.1; margin: 12px 0 14px; }
.subhead { font-size: 18px; color: #e9eef5; max-width: 760px; }
.hero-cta { margin-top: 24px; display: flex; gap: 12px; flex-wrap: wrap; }
.badges { margin-top: 16px; display: flex; gap: 8px; flex-wrap: wrap; }
.badge { background: #0f2f4a; color: #dfe9f3; padding: 6px 10px; border: 1px solid #124b6f; border-radius: 999px; font-size: 12px; }
.section { padding: 64px 0; }
.section.light { background: var(--light); }
.section .title { font-size: 28px; margin: 0 0 8px; }
.section .eyebrow { color: var(--navy); font-weight: 700; text-transform: uppercase; letter-spacing: .12em; font-size: 12px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.card {
  background: white; border: 1px solid #e8edf3; border-radius: 16px; padding: 18px; box-shadow: 0 6px 18px rgba(2, 17, 37, .06);
}
.card h3 { margin: 4px 0 6px; font-size: 18px; color: var(--navy); }
.card p { margin: 0; color: #3a4a5b; font-size: 15px; }
.checks { list-style: none; padding: 0; margin: 12px 0 0; }
.checks li::before { content: "✔️ "; }
.quote {
  background: white; border-left: 4px solid var(--gold); padding: 16px; border-radius: 8px; color:#1b2a3b;
}
.cta-panel {
  background: linear-gradient(135deg, var(--navy), #0c517f); color: white; border-radius: 16px; padding: 24px; display: flex; gap: 16px; flex-wrap: wrap; align-items: center; justify-content: space-between;
}
.footer { background: #081c2d; color: #c7d6e6; padding: 28px 0; font-size: 14px; }
.footer a { color: #e1c677; }
@media (max-width: 900px) {
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  h1 { font-size: 34px; }
}