:root{
  --navy:#0F2A47; --navy2:#163a61; --blue:#2E6FB0;
  --gold:#E8A317; --gold-soft:#FBEFD6;
  --ink:#1c2a3a; --muted:#5b6b7d; --line:#e6ebf1; --bg:#ffffff;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Helvetica Neue',Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px;}
a{color:inherit;}
img{max-width:100%;}
.nav{position:sticky;top:0;z-index:50;background:rgba(15,42,71,.98);color:#fff;}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;flex-wrap:wrap;gap:8px 18px;padding-top:8px;padding-bottom:8px;}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;}
.brand svg{width:30px;height:30px;}
.brand .bt{font-size:13px;font-weight:700;letter-spacing:1.5px;color:#fff;}
.brand .bt span{display:block;font-size:7.5px;letter-spacing:2.5px;color:var(--gold);}
.navlinks{display:flex;align-items:center;gap:20px;flex-wrap:wrap;}
.navlinks a{color:#cfe0f2;text-decoration:none;font-size:13.5px;font-weight:600;}
.navlinks a:hover,.navlinks a.active{color:var(--gold);}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;font-size:14px;padding:11px 20px;border-radius:30px;text-decoration:none;border:none;cursor:pointer;transition:transform .12s ease,box-shadow .12s ease;}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(0,0,0,.18);}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.45);}
.btn.ghost:hover{border-color:var(--gold);color:var(--gold);}
.nav .btn{font-size:13px;padding:9px 18px;}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 55%,var(--blue) 130%);color:#fff;padding:74px 0 82px;}
.hero.small{padding:54px 0 56px;}
.hero .eyebrow{color:var(--gold);font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:14px;}
.hero h1{font-size:44px;line-height:1.08;letter-spacing:-0.5px;font-weight:800;max-width:16ch;}
.hero.small h1{font-size:34px;max-width:22ch;}
.hero h1 .accent{color:var(--gold);}
.hero .sub{font-size:18px;color:#d2e2f4;margin-top:18px;max-width:56ch;font-weight:500;}
.hero .cta-row{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap;}
section{padding:60px 0;}
section.tint{background:#f7f9fc;}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--blue);margin-bottom:12px;}
h2{font-size:29px;font-weight:800;letter-spacing:-0.3px;color:var(--navy);line-height:1.15;}
h3{font-size:19px;color:var(--navy);font-weight:700;}
.lead{font-size:17px;color:#33414f;margin-top:16px;max-width:70ch;line-height:1.75;}
.lead b{color:var(--navy);}
p.body{font-size:16px;color:#37454f;margin-top:14px;max-width:70ch;line-height:1.75;}
.pullquote{margin-top:22px;font-size:20px;font-weight:700;color:var(--navy);border-left:4px solid var(--gold);padding-left:18px;line-height:1.45;max-width:62ch;}
.stats{background:var(--navy);color:#fff;}
.stats h2{color:#fff;}
.stats .lead{color:#c7d6e8;}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:34px;}
.stat{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:24px 18px;text-align:center;}
.stat .num{font-size:42px;font-weight:800;color:var(--gold);line-height:1;}
.stat .lbl{font-size:13px;color:#c7d6e8;margin-top:10px;line-height:1.4;}
.note{margin-top:26px;font-size:16px;max-width:66ch;}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px;}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:34px;}
.card{border:1px solid var(--line);border-radius:14px;padding:26px 24px;background:#fff;box-shadow:0 2px 10px rgba(16,42,71,.04);}
.card .ico{width:42px;height:42px;border-radius:10px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;margin-bottom:14px;font-size:20px;color:var(--navy);}
.card h3{font-size:18px;margin-bottom:8px;}
.card p{font-size:14.5px;color:#46566a;line-height:1.65;}
.card .tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--blue);margin-bottom:8px;}
.stage{display:flex;gap:20px;padding:22px 0;border-bottom:1px solid var(--line);}
.stage:last-child{border-bottom:none;}
.stage .n{flex:none;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;font-size:18px;display:flex;align-items:center;justify-content:center;}
.stage .txt h3{font-size:18px;}
.stage .txt .k{font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--gold);margin-top:2px;}
.stage .txt p{font-size:15px;color:#46566a;margin-top:7px;line-height:1.65;max-width:64ch;}
ul.clean{list-style:none;margin-top:16px;}
ul.clean li{position:relative;padding-left:22px;margin-bottom:11px;font-size:15.5px;color:#37454f;line-height:1.55;}
ul.clean li:before{content:"";position:absolute;left:0;top:9px;width:8px;height:8px;border-radius:50%;background:var(--gold);}
ul.clean li b{color:var(--navy);}
.chip{display:inline-block;background:var(--gold-soft);color:#6b5320;border:1px solid #f0dcae;font-size:12px;font-weight:700;padding:7px 14px;border-radius:30px;margin-top:22px;}
.value{padding:16px 0;border-bottom:1px solid var(--line);}
.value:last-child{border-bottom:none;}
.value h3{font-size:17px;color:var(--navy);}
.value p{font-size:15px;color:#46566a;margin-top:5px;line-height:1.6;max-width:70ch;}
.trust{background:var(--gold-soft);border-top:1px solid #f0dcae;border-bottom:1px solid #f0dcae;}
.trust .wrap{padding:24px 24px;}
.trust p{font-size:16px;color:#6b5320;text-align:center;max-width:76ch;margin:0 auto;line-height:1.65;}
.trust b{color:var(--navy);}
.qa{border-bottom:1px solid var(--line);padding:20px 0;}
.qa:last-child{border-bottom:none;}
.qa h3{font-size:17px;color:var(--navy);}
.qa p{font-size:15.5px;color:#46566a;margin-top:8px;line-height:1.7;max-width:74ch;}
.cta{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 70%);color:#fff;text-align:center;}
.cta h2{color:#fff;}
.cta .lead{color:#cdddf0;margin:16px auto 0;}
.options{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;max-width:780px;margin:34px auto 0;}
.opt{display:block;background:rgba(255,255,255,.06);border:1.5px solid rgba(255,255,255,.18);border-radius:14px;padding:24px 18px;text-decoration:none;color:#fff;transition:border-color .15s ease,transform .12s ease,background .15s ease;cursor:pointer;}
.opt:hover{border-color:var(--gold);transform:translateY(-2px);background:rgba(232,163,23,.10);}
.opt .t{font-size:17px;font-weight:700;color:var(--gold);}
.opt .d{font-size:13px;color:#cdddf0;margin-top:6px;line-height:1.45;}
.fineprint{margin-top:24px;font-size:14px;color:#aebfd4;}
footer{background:#0a1d33;color:#9fb3cc;padding:32px 0;font-size:13.5px;}
footer .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;}
footer .brand .bt{color:#fff;}
footer a{color:var(--gold);text-decoration:none;}
footer .fnav{display:flex;gap:16px;flex-wrap:wrap;}
footer .fnav a{color:#9fb3cc;}

/* ===== v2 PHOTO TREATMENT ===== */
.photohero{position:relative;color:#fff;overflow:hidden;min-height:520px;display:flex;align-items:center;}
.photohero.small{min-height:360px;}
.photohero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;}
.photohero .ov{position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,22,42,.88) 0%,rgba(9,22,42,.48) 46%,rgba(9,22,42,.08) 100%);}
.photohero .wrap{position:relative;padding-top:64px;padding-bottom:66px;}
.photohero .eyebrow{color:var(--gold);font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:14px;}
.photohero h1{font-size:44px;line-height:1.08;letter-spacing:-0.5px;font-weight:800;max-width:17ch;color:#fff;}
.photohero.small h1{font-size:34px;max-width:24ch;}
.photohero h1 .accent{color:var(--gold);}
.photohero .sub{font-size:18px;color:#dbe7f5;margin-top:18px;max-width:56ch;font-weight:500;}
.photohero .cta-row{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap;}
.msgband{position:relative;color:#fff;overflow:hidden;}
.msgband .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;}
.msgband .ov{position:absolute;inset:0;background:linear-gradient(180deg,rgba(20,26,40,.80) 0%,rgba(20,26,40,.74) 100%);}
.msgband .wrap{position:relative;padding:64px 24px;max-width:840px;}
.msgband .eyebrow{color:var(--gold);}
.msgband h2{color:#fff;}
.msgband p{font-size:17px;color:#dbe7f5;margin-top:15px;line-height:1.78;}
.msgband .kicker{font-size:20px;font-weight:700;color:#fff;margin-top:16px;line-height:1.4;}
.msgband .close{font-size:19px;font-weight:700;color:var(--gold);margin-top:18px;line-height:1.5;border-left:3px solid var(--gold);padding-left:16px;}
.msgband .btn{margin-top:24px;}
@media (max-width:860px){
  .hero h1{font-size:33px;}
  .photohero h1{font-size:31px;}
  .photohero .ov{background:linear-gradient(180deg,rgba(9,22,42,.86),rgba(9,22,42,.72));}
  .stat-grid{grid-template-columns:repeat(2,1fr);}
  .grid3{grid-template-columns:1fr;}
  .grid2{grid-template-columns:1fr;}
  .options{grid-template-columns:1fr;}
  h2{font-size:24px;}
  .navlinks{gap:14px;}
}

.photohero .wrap{width:100%;}

/* ===== inquiry form ===== */
.inquiry{max-width:640px;margin-top:26px;}
.frow{display:flex;gap:16px;flex-wrap:wrap;}
.frow .ffield{flex:1;min-width:200px;}
.ffield{margin-bottom:16px;}
.ffield label{display:block;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:6px;letter-spacing:.3px;}
.ffield label span{color:var(--muted);font-weight:500;}
.ffield input,.ffield select,.ffield textarea{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:9px;font-size:15px;font-family:inherit;color:var(--ink);background:#fff;}
.ffield textarea{resize:vertical;}
.ffield input:focus,.ffield select:focus,.ffield textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(46,111,176,.12);}
.inquiry .btn{margin-top:6px;border:none;cursor:pointer;}
.formnote{font-size:13.5px;color:var(--muted);margin-top:14px;max-width:62ch;line-height:1.55;}