@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Source+Sans+3:wght@300;400;600;700&display=swap');

:root {
  --navy: #0a2342;
  --teal: #1b7a8a;
  --teal-light: #2ba8bc;
  --gold: #c9a84c;
  --gold-light: #e8c97a;
  --white: #ffffff;
  --off-white: #f5f7fa;
  --gray-100: #eef1f5;
  --gray-300: #c8cfd8;
  --gray-600: #5a6478;
  --gray-800: #2d3343;
  --text: #1e2535;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Source Sans 3', sans-serif;
  color: var(--text);
  background: var(--white);
  font-size: 17px;
  line-height: 1.7;
}

/* NAV */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 5%;
  height: 72px;
  box-shadow: 0 2px 16px rgba(0,0,0,0.18);
}

.nav-logo {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo span:first-child {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  color: var(--gold);
  font-weight: 700;
  letter-spacing: 0.01em;
}
.nav-logo span:last-child {
  font-size: 0.7rem;
  color: var(--gray-300);
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  gap: 0;
  list-style: none;
}
.nav-links a {
  display: block;
  padding: 0 18px;
  height: 72px;
  line-height: 72px;
  color: var(--gray-300);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: color 0.2s, background 0.2s;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--gold);
  background: rgba(201,168,76,0.08);
}
.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  padding: 0 22px !important;
  margin-left: 12px;
  border-radius: 4px;
}
.nav-cta:hover { background: var(--gold-light) !important; }

/* HERO */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0e3058 50%, var(--teal) 100%);
  padding: 90px 5% 80px;
  display: flex;
  align-items: center;
  gap: 60px;
  min-height: 520px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-text { flex: 1; position: relative; z-index: 1; }
.hero-badge {
  display: inline-block;
  background: rgba(201,168,76,0.18);
  border: 1px solid var(--gold);
  color: var(--gold);
  padding: 5px 14px;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 18px;
  font-weight: 700;
}
.hero h1 em {
  font-style: normal;
  color: var(--gold);
}
.hero p {
  color: rgba(255,255,255,0.82);
  font-size: 1.08rem;
  max-width: 520px;
  margin-bottom: 32px;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  padding: 14px 28px;
  border-radius: 5px;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  letter-spacing: 0.04em;
  transition: background 0.2s, transform 0.15s;
  display: inline-block;
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }
.btn-outline {
  border: 2px solid rgba(255,255,255,0.5);
  color: var(--white);
  padding: 13px 28px;
  border-radius: 5px;
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  letter-spacing: 0.04em;
  transition: border-color 0.2s, background 0.2s;
  display: inline-block;
}
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }

.hero-image-wrap {
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.hero-image-wrap img {
  width: 320px;
  max-width: 100%;
  display: block;
  border-radius: 8px 8px 0 0;
  filter: drop-shadow(0 8px 32px rgba(0,0,0,0.4));
}

/* TRUST BAR */
.trust-bar {
  background: var(--gold);
  padding: 14px 5%;
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.trust-item svg { flex-shrink: 0; }

/* SECTIONS */
section { padding: 72px 5%; }
section.alt { background: var(--off-white); }

.section-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 10px;
  display: block;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 3vw, 2.3rem);
  color: var(--navy);
  margin-bottom: 16px;
  font-weight: 700;
  line-height: 1.25;
}
.section-intro {
  color: var(--gray-600);
  max-width: 620px;
  margin-bottom: 44px;
  font-size: 1.05rem;
}

/* CARDS */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 26px;
}
.card {
  background: var(--white);
  border-radius: 10px;
  padding: 32px 26px;
  box-shadow: 0 2px 16px rgba(10,35,66,0.08);
  border-top: 4px solid var(--teal);
  transition: transform 0.2s, box-shadow 0.2s;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 8px 32px rgba(10,35,66,0.13); }
.card-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--teal), var(--teal-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: white;
  font-size: 1.3rem;
}
.card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 10px;
  font-weight: 600;
}
.card p { color: var(--gray-600); font-size: 0.95rem; }
.card a {
  display: inline-block;
  margin-top: 16px;
  color: var(--teal);
  font-weight: 700;
  font-size: 0.9rem;
  text-decoration: none;
  letter-spacing: 0.04em;
}
.card a:hover { color: var(--gold); }

/* CHECKLIST */
.checklist { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.98rem;
  color: var(--gray-800);
}
.checklist li::before {
  content: '✓';
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  background: var(--teal);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  line-height: 22px;
  text-align: center;
  margin-top: 2px;
}

/* TWO COL */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
@media (max-width: 768px) {
  .two-col { grid-template-columns: 1fr; gap: 32px; }
}

/* PHOTO BLOCK */
.photo-block {
  position: relative;
}
.photo-block img {
  width: 100%;
  max-width: 400px;
  display: block;
  border-radius: 10px;
  box-shadow: 0 8px 40px rgba(10,35,66,0.18);
}
.photo-accent {
  position: absolute;
  bottom: -18px;
  right: -18px;
  width: 100%;
  max-width: 400px;
  height: 100%;
  border: 3px solid var(--gold);
  border-radius: 10px;
  z-index: -1;
}

/* CTA BANNER */
.cta-banner {
  background: linear-gradient(135deg, var(--navy), #0e3058);
  padding: 64px 5%;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-banner * { position: relative; z-index: 1; }
.cta-banner h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  color: var(--white);
  margin-bottom: 14px;
  font-weight: 700;
}
.cta-banner p {
  color: rgba(255,255,255,0.8);
  max-width: 560px;
  margin: 0 auto 30px;
  font-size: 1.05rem;
}

/* FOOTER */
footer {
  background: var(--gray-800);
  color: var(--gray-300);
  padding: 52px 5% 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}
@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
}
.footer-brand span {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 12px;
}
.footer-brand p { font-size: 0.9rem; line-height: 1.7; max-width: 280px; }
footer h4 {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 16px;
}
footer ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
footer ul a {
  color: var(--gray-300);
  text-decoration: none;
  font-size: 0.92rem;
  transition: color 0.2s;
}
footer ul a:hover { color: var(--gold); }
.footer-contact-item { display: flex; gap: 10px; font-size: 0.92rem; margin-bottom: 8px; }
.footer-contact-item strong { color: var(--white); min-width: 60px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.8rem;
}
.footer-lic {
  color: rgba(255,255,255,0.5);
  font-size: 0.78rem;
}
.footer-disclaimer {
  background: rgba(0,0,0,0.2);
  padding: 16px 5%;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
}

/* PAGE HEADER */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, #0e3058 60%, var(--teal) 100%);
  padding: 60px 5%;
  text-align: center;
}
.page-header h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  color: var(--white);
  font-weight: 700;
  margin-bottom: 10px;
}
.page-header p {
  color: rgba(255,255,255,0.78);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
}
.breadcrumb {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 14px;
}
.breadcrumb a { color: var(--gold); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }

/* FORM */
.contact-form {
  background: var(--white);
  border-radius: 10px;
  padding: 36px;
  box-shadow: 0 4px 28px rgba(10,35,66,0.10);
}
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 7px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: 6px;
  font-family: inherit;
  font-size: 1rem;
  color: var(--text);
  transition: border-color 0.2s;
  background: var(--off-white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--teal);
  background: var(--white);
}
.form-group textarea { height: 120px; resize: vertical; }
.form-submit {
  background: var(--teal);
  color: white;
  border: none;
  padding: 14px 36px;
  border-radius: 6px;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  letter-spacing: 0.04em;
  transition: background 0.2s;
}
.form-submit:hover { background: var(--navy); }

/* INFO BOX */
.info-box {
  background: linear-gradient(135deg, var(--teal), var(--teal-light));
  border-radius: 10px;
  padding: 32px 28px;
  color: white;
}
.info-box h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  margin-bottom: 20px;
  font-weight: 600;
}
.info-row {
  display: flex;
  gap: 12px;
  margin-bottom: 14px;
  font-size: 0.95rem;
}
.info-row strong { min-width: 80px; color: var(--gold-light); }

/* ACCORDION */
.accordion { display: flex; flex-direction: column; gap: 12px; }
.acc-item {
  background: var(--white);
  border-radius: 8px;
  box-shadow: 0 2px 12px rgba(10,35,66,0.07);
  overflow: hidden;
}
.acc-title {
  width: 100%;
  background: none;
  border: none;
  padding: 18px 22px;
  text-align: left;
  font-family: 'Source Sans 3', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background 0.2s;
}
.acc-title:hover { background: var(--off-white); }
.acc-title .acc-icon { font-size: 1.2rem; color: var(--teal); transition: transform 0.25s; }
.acc-title.open .acc-icon { transform: rotate(45deg); }
.acc-body { display: none; padding: 0 22px 20px; color: var(--gray-600); font-size: 0.97rem; line-height: 1.75; }
.acc-body.open { display: block; }

/* STAT ROW */
.stat-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.stat-box {
  text-align: center;
  padding: 28px 16px;
  background: var(--white);
  border-radius: 10px;
  box-shadow: 0 2px 16px rgba(10,35,66,0.08);
}
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.4rem;
  color: var(--teal);
  font-weight: 700;
  display: block;
}
.stat-label {
  font-size: 0.85rem;
  color: var(--gray-600);
  font-weight: 600;
  margin-top: 4px;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero { flex-direction: column-reverse; text-align: center; padding: 60px 5%; }
  .hero p { margin: 0 auto 32px; }
  .hero-btns { justify-content: center; }
  .hero-image-wrap img { width: 260px; }
  nav { padding: 0 4%; }
  .nav-links a { padding: 0 12px; font-size: 0.8rem; }
  .trust-bar { gap: 20px; }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
}