:root{--navy:#101D32;--gold:#C5A46D;--bg:#F6F6F3;--ink:#101D32;--mute:#5b6470;--line:#e1ded6;box-sizing:border-box}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.7}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
header{position:fixed;top:0;left:0;right:0;z-index:50;padding-top:env(safe-area-inset-top,0px);background:rgba(16,29,50,.95);border-bottom:1px solid rgba(197,164,109,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;height:72px}
.logo img{height:46px;width:auto;display:block}
nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
nav a{color:#e8ebf0;text-decoration:none;font-size:.85rem}nav a:hover{color:var(--gold)}
.btn{display:inline-block;padding:14px 26px;font-size:.9rem;font-weight:500;text-decoration:none;border:1px solid var(--gold);background:var(--gold);color:var(--navy)}
.btn:hover{background:#d6b985}
.hero{background:var(--navy);color:#fff;padding:150px 0 70px}
.eyebrow{color:var(--gold);font-size:.72rem;letter-spacing:.25em;text-transform:uppercase;display:block;margin-bottom:14px}
h1,h2{font-family:'Playfair Display',serif;font-weight:500;line-height:1.25}
h1{font-size:clamp(2rem,4.5vw,3.2rem);margin:0 0 18px;max-width:800px}
.hero p{max-width:680px;color:#c9d0db;font-size:1.08rem;margin:0 0 28px}
main section{padding:60px 0}
h2{font-size:1.7rem;margin:0 0 18px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-top:24px}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);padding:24px}
.card h3{margin:0 0 8px;font-size:1.05rem}.card p{margin:0;color:var(--mute);font-size:.95rem}
.doc{max-width:780px}.doc h2{font-size:1.35rem;margin-top:34px}.doc p,.doc li{color:#2d3646}
.note{border-left:3px solid var(--gold);background:#fff;padding:16px 20px;margin:24px 0;color:var(--mute);font-size:.92rem}
.cta{background:var(--navy);color:#fff;text-align:center}.cta h2{color:#fff}.cta p{color:#c9d0db;max-width:560px;margin:0 auto 24px}
footer{background:#0a1424;color:#b9c0cc;padding:50px 0 30px;font-size:.88rem}
footer ul{list-style:none;padding:0;margin:0 0 20px;display:flex;gap:22px;flex-wrap:wrap}
footer a{color:#b9c0cc;text-decoration:none}footer a:hover{color:var(--gold)}
.legal{border-top:1px solid #22304a;padding-top:20px;font-size:.78rem}
@media(max-width:820px){nav{display:none}}