:root{
  --navy:#0B1F3A;--navy2:#12305C;--gold:#C9A227;--gold2:#E2C56B;
  --off:#FAF7F1;--ink:#1F2937;--muted:#5B6472;--line:#E7E0D3;--white:#FFFFFF;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.6}
h1,h2,h3{font-family:'Playfair Display',serif;line-height:1.15}
.container{max-width:1160px;margin:0 auto;padding:0 24px}
header{background:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(201,162,39,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.logo{font-family:'Playfair Display',serif;color:#fff;font-weight:800;font-size:1.15rem;letter-spacing:.04em;text-decoration:none;line-height:1.1}
.logo span{display:block;font-size:.62rem;font-weight:600;letter-spacing:.42em;color:var(--gold);text-transform:uppercase}
.menu{display:flex;align-items:center;gap:26px;list-style:none}
.menu a{color:rgba(255,255,255,.82);text-decoration:none;font-size:.85rem;font-weight:500;letter-spacing:.03em;transition:.2s}
.menu a:hover{color:var(--gold2)}

/* Dropdown CSS */
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:0;background:var(--navy);border:1px solid rgba(201,162,39,.25);border-top:3px solid var(--gold);border-radius:0 0 8px 8px;min-width:280px;padding:10px 0;opacity:0;visibility:hidden;transform:translateY(10px);transition:.25s;box-shadow:0 16px 34px rgba(0,0,0,.3)}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:flex;align-items:center;gap:10px;padding:11px 20px;color:rgba(255,255,255,.85);font-size:.85rem;text-decoration:none;transition:.15s}
.dropdown a:hover{background:rgba(201,162,39,.12);color:var(--gold2)}
.dropdown a .material-icons{font-size:1.1rem;color:var(--gold);flex-shrink:0;width:1.2rem;text-align:center}
.dropdown .dd-title{display:block;padding:8px 20px;font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:600}
.has-dropdown > a::after{content:"keyboard_arrow_down";font-family:'Material Icons';font-size:1rem;margin-left:2px;transition:.2s}
.has-dropdown:hover > a::after{transform:rotate(180deg)}

.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:6px;font-weight:600;font-size:.85rem;letter-spacing:.05em;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:.2s}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold2)}
.btn-outline{border-color:rgba(255,255,255,.55);color:#fff}
.btn-outline:hover{border-color:var(--gold);color:var(--gold2)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2)}
.burger{display:none;background:none;border:0;color:#fff;cursor:pointer}
.hero{background:radial-gradient(1200px 500px at 85% -10%,#16325e 0%,var(--navy) 55%);color:#fff;padding:96px 0 84px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;left:0;bottom:0;width:100%;height:4px;background:linear-gradient(90deg,var(--gold),transparent 70%)}
.eyebrow{display:inline-block;font-size:.72rem;letter-spacing:.34em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:18px}
.hero h1{font-size:clamp(2.3rem,5vw,3.6rem);max-width:760px;margin-bottom:22px}
.hero h1 span{color:var(--gold2)}
.hero p{max-width:640px;color:rgba(255,255,255,.85);font-size:1.06rem;margin-bottom:32px}
.hero .btns{display:flex;gap:14px;flex-wrap:wrap}
.trust{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:44px;color:rgba(255,255,255,.7);font-size:.78rem;letter-spacing:.06em;text-transform:uppercase}
.trust i{color:var(--gold);font-size:1rem;vertical-align:-3px;margin-right:6px}
section{padding:84px 0}
.sec-head{max-width:680px;margin-bottom:44px}
.sec-head h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin:10px 0 14px}
.sec-head p{color:var(--muted)}
.alt{background:var(--off)}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px;transition:.25s}
.card:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(11,31,58,.08);border-color:var(--gold)}
.card .icon{width:48px;height:48px;border-radius:8px;background:rgba(201,162,39,.12);color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:1.5rem}
.card h3{font-size:1.18rem;margin-bottom:8px}
.card p{font-size:.92rem;color:var(--muted)}
.card ul{list-style:none;margin-top:12px;font-size:.88rem;color:var(--muted)}
.card li{margin-bottom:6px;padding-left:22px;position:relative}
.card li::before{content:"\2713";position:absolute;left:0;color:var(--gold);font-weight:700}
.card-dark{background:var(--navy);color:#fff;border:0}
.card-dark p{color:rgba(255,255,255,.78)}
.card-dark .icon{background:rgba(201,162,39,.16);color:var(--gold2)}
.quote{background:var(--navy);color:#fff;border-radius:10px;padding:40px;position:relative}
.quote p{font-family:'Playfair Display',serif;font-size:1.25rem;line-height:1.5;color:rgba(255,255,255,.92)}
.stats{background:var(--navy);color:#fff}
.stat{text-align:center;padding:20px}
.stat b{display:block;font-family:'Playfair Display',serif;font-size:2.6rem;color:var(--gold2)}
.stat span{font-size:.82rem;color:rgba(255,255,255,.75);letter-spacing:.06em;text-transform:uppercase}
.t-card{display:flex;flex-direction:column;gap:14px}
.t-card .icon{color:var(--gold);font-size:1.9rem}
.t-card footer{font-size:.85rem;color:var(--muted)}
.t-card footer b{display:block;color:var(--ink)}
.faq-item{border:1px solid var(--line);border-radius:8px;margin-bottom:12px;background:#fff;overflow:hidden}
.faq-item summary{cursor:pointer;padding:18px 22px;font-weight:600;font-size:.95rem;display:flex;justify-content:space-between;align-items:center;gap:14px;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary i{color:var(--gold);transition:.2s}
.faq-item[open] summary i{transform:rotate(180deg)}
.faq-item p{padding:0 22px 18px;color:var(--muted);font-size:.92rem}
.contact-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:34px}
.contact-item{display:flex;gap:14px;margin-bottom:20px}
.contact-item .icon{width:44px;height:44px;border-radius:50%;background:rgba(201,162,39,.12);color:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.contact-item b{display:block;font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:2px}
.contact-item a,.contact-item span{color:var(--ink);text-decoration:none;font-weight:600}
.partner-cta{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;border-radius:12px;padding:48px;text-align:center}
.partner-cta h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin-bottom:12px}
.partner-cta p{color:rgba(255,255,255,.82);max-width:560px;margin:0 auto 28px}
.form-box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:36px}
.form-box h3{margin-bottom:18px}
form{display:grid;gap:14px}
.field{display:grid;gap:6px}
.field label{font-size:.8rem;font-weight:600;color:var(--navy)}
.field input,.field select,.field textarea{padding:12px 14px;border:1px solid var(--line);border-radius:6px;font:inherit;font-size:.92rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);border-color:transparent}
.cta{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;text-align:center}
.cta h2{font-size:clamp(1.7rem,3.4vw,2.5rem);margin-bottom:14px}
.cta p{color:rgba(255,255,255,.8);max-width:560px;margin:0 auto 30px}
footer{background:#081728;color:rgba(255,255,255,.72);padding:64px 0 30px;font-size:.9rem}
.f-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:34px;margin-bottom:40px}
.f-grid h4{color:#fff;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:16px}
.f-grid a{display:block;color:rgba(255,255,255,.72);text-decoration:none;margin-bottom:9px;font-size:.88rem}
.f-grid a:hover{color:var(--gold2)}
.f-brand b{font-family:'Playfair Display',serif;color:#fff;font-size:1.25rem;letter-spacing:.04em}
.f-brand b span{display:block;font-size:.62rem;letter-spacing:.4em;color:var(--gold);text-transform:uppercase;margin-top:4px}
.f-brand p{margin-top:14px;max-width:300px;font-size:.88rem}
.copy{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;text-align:center;font-size:.8rem;color:rgba(255,255,255,.5)}
.wa{position:fixed;right:22px;bottom:22px;z-index:60;display:flex;align-items:center;gap:10px;background:#25D366;color:#fff;padding:13px 20px;border-radius:50px;font-weight:600;font-size:.88rem;text-decoration:none;box-shadow:0 10px 26px rgba(37,211,102,.35);transition:.2s}
.wa:hover{transform:translateY(-3px)}
.wa svg{width:22px;height:22px;fill:#fff}

@media(max-width:960px){
.dropdown{position:static;opacity:1;visibility:visible;transform:none;border:0;border-left:2px solid var(--gold);border-radius:0;min-width:0;margin:6px 0 0 14px;padding:0;box-shadow:none;display:none}
.has-dropdown.open .dropdown{display:block}
.menu{position:fixed;inset:76px 0 auto 0;background:var(--navy);flex-direction:column;align-items:flex-start;padding:22px 26px;gap:18px;transform:translateY(-140%);transition:.3s;border-bottom:1px solid rgba(201,162,39,.3)}
.menu.open{transform:translateY(0)}
.burger{display:block}
.nav .btn-gold{display:none}
.g4{grid-template-columns:repeat(2,1fr)}
.g3,.g2{grid-template-columns:1fr}
.contact-grid,.f-grid{grid-template-columns:1fr}
}