:root{
  --navy:#1B2A41;
  --navy-deep:#131E30;
  --green:#2F4A3D;
  --gold:#B98F45;
  --gold-light:#D9BD8B;
  --cream:#F3F2EF;
  --white:#FFFFFF;
  --text:#222222;
  --mid:#6E6E6E;
  --hairline:#E3E0D9;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--white);
  color:var(--text);
  font-family:'Inter', -apple-system, sans-serif;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.font-head{ font-family:'Montserrat', sans-serif; }
a{ color:inherit; }
img{ max-width:100%; display:block; }

.wrap{ max-width:1120px; margin:0 auto; padding:0 32px; }

/* ---------- Skip link / focus ---------- */
a:focus-visible, button:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}
.skip-link{
  position:absolute; left:-999px; top:0;
  background:var(--navy); color:var(--white);
  padding:10px 16px; z-index:200; font-family:'Inter';
}
.skip-link:focus{ left:16px; top:16px; }

/* ---------- Nav ---------- */
header.site-nav{
  position:sticky; top:0; z-index:100;
  background:var(--navy);
  border-bottom:3px solid var(--gold);
}
.nav-inner{
  display:flex; align-items:center; justify-content:space-between;
  padding:18px 32px;
  max-width:1120px; margin:0 auto;
}
.wordmark{
  font-family:'Montserrat'; font-weight:700; font-size:15px;
  letter-spacing:2px; color:var(--white); text-decoration:none;
  display:flex; flex-direction:column; gap:2px;
}
.wordmark small{
  font-family:'Inter'; font-weight:400; font-style:italic;
  letter-spacing:0; color:var(--gold-light); font-size:11px;
}
nav.links{ display:flex; gap:0; flex-wrap:wrap; }
nav.links a{
  font-family:'Montserrat'; font-weight:600; font-size:12.5px;
  letter-spacing:1.2px; text-transform:uppercase;
  color:#C9D0DA; text-decoration:none;
  padding-bottom:4px; border-bottom:2px solid transparent;
  margin-right:30px;
  transition:color .15s ease, border-color .15s ease;
}
nav.links a:last-child{ margin-right:0; }
nav.links a:hover, nav.links a.active{ color:var(--white); border-color:var(--gold); }
.nav-toggle{ display:none; background:none; border:none; color:var(--white); cursor:pointer; padding:6px; }
.nav-toggle svg{ width:24px; height:24px; }

@media (max-width:900px){
  nav.links{
    position:absolute; top:100%; left:0; right:0;
    background:var(--navy-deep); flex-direction:column; gap:0;
    max-height:0; overflow:hidden; transition:max-height .25s ease;
  }
  nav.links.open{ max-height:360px; }
  nav.links a{
    padding:16px 32px; border-bottom:1px solid rgba(255,255,255,.08);
    width:100%; margin-right:0;
  }
  .nav-toggle{ display:block; }
  header.site-nav{ position:relative; }
}

/* ---------- Generic hero ---------- */
.hero{
  padding:88px 0 56px;
  border-bottom:1px solid var(--hairline);
}
.eyebrow{
  font-family:'Montserrat'; font-weight:700; font-size:12.5px;
  letter-spacing:3px; color:var(--gold); text-transform:uppercase;
  margin:0 0 18px;
}
.hero h1{
  font-size:clamp(34px, 5vw, 54px);
  line-height:1.08; color:var(--navy); margin:0 0 22px;
  font-weight:800; max-width:760px;
}
.hero p{
  font-size:18px; line-height:1.6; color:var(--mid);
  max-width:620px; margin:0 0 16px;
}
.hero .hero-actions{ display:flex; gap:14px; flex-wrap:wrap; margin-top:28px; }

/* ---------- Buttons ---------- */
.btn{
  font-family:'Montserrat'; font-weight:600; font-size:13px;
  letter-spacing:.6px; text-transform:uppercase;
  padding:14px 26px; text-decoration:none;
  display:inline-block; border:2px solid transparent;
  transition:background .15s ease, color .15s ease, border-color .15s ease;
  text-align:center;
}
.btn-primary{ background:var(--navy); color:var(--white); }
.btn-primary:hover{ background:var(--navy-deep); }
.btn-outline{ border-color:var(--navy); color:var(--navy); }
.btn-outline:hover{ background:var(--navy); color:var(--white); }
.btn-gold{ background:var(--gold); color:var(--navy-deep); }
.btn-gold:hover{ background:var(--gold-light); }
.btn-outline-light{ border-color:var(--gold-light); color:var(--white); }
.btn-outline-light:hover{ background:var(--gold); color:var(--navy-deep); border-color:var(--gold); }

/* ---------- Section basics ---------- */
section{ padding:72px 0; }
.section-tight{ padding:56px 0; }
.section-label{
  font-family:'Montserrat'; font-weight:700; font-size:12.5px;
  letter-spacing:3px; color:var(--gold); text-transform:uppercase;
  margin:0 0 14px;
}
.section-title{
  font-size:clamp(26px,3.4vw,36px); color:var(--navy); margin:0 0 18px;
  font-weight:800; line-height:1.18;
}
.section-intro{ color:var(--mid); font-size:16px; line-height:1.65; max-width:640px; margin:0 0 40px; }
.bordered{ border-bottom:1px solid var(--hairline); }
.on-navy{ background:var(--navy); color:var(--white); }
.on-navy .section-label{ color:var(--gold-light); }
.on-navy .section-title{ color:var(--white); }
.on-navy .section-intro{ color:#B7C0CC; }
.on-cream{ background:var(--cream); }

/* ---------- Card grid (generic) ---------- */
.grid-3{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.grid-4{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; }
.grid-2{ display:grid; grid-template-columns:repeat(2,1fr); gap:28px; }
@media (max-width:900px){
  .grid-3, .grid-4, .grid-2{ grid-template-columns:1fr; }
}

.panel{
  background:var(--white);
  border:1px solid var(--hairline);
  border-top:4px solid var(--navy);
  padding:28px 24px;
  transition:transform .18s ease, box-shadow .18s ease, border-top-color .18s ease;
}
.panel:hover{
  transform:translateY(-4px);
  box-shadow:0 14px 30px -14px rgba(27,42,65,.35);
  border-top-color:var(--gold);
}
.panel .panel-tab{
  display:inline-block;
  background:var(--cream);
  color:var(--green);
  font-family:'Montserrat'; font-weight:700; font-size:11px;
  letter-spacing:1.4px; text-transform:uppercase;
  padding:7px 16px;
  margin:0 0 16px;
  border-left:3px solid var(--gold);
}
.panel h3{ font-size:19px; line-height:1.32; color:var(--navy); margin:0 0 10px; font-weight:700; }
.panel p{ font-size:14.5px; line-height:1.6; color:var(--mid); margin:0; }

/* ---------- Pill list (who we serve) ---------- */
.pills{ display:flex; flex-wrap:wrap; gap:12px; }
.pill{
  font-family:'Montserrat'; font-weight:600; font-size:13px;
  letter-spacing:.4px; color:var(--navy);
  background:var(--cream); border:1px solid var(--hairline);
  padding:10px 20px;
}
.on-navy .pill{ background:rgba(255,255,255,.06); border-color:rgba(255,255,255,.18); color:var(--white); }

/* ---------- Approach flow ---------- */
.flow{ display:flex; align-items:center; flex-wrap:wrap; gap:0; }
.flow-step{
  font-family:'Montserrat'; font-weight:700; font-size:14px;
  color:var(--navy); background:var(--white); border:2px solid var(--navy);
  padding:14px 20px; letter-spacing:.4px;
}
.flow-arrow{
  color:var(--gold); font-size:20px; margin:0 10px; font-family:'Montserrat'; font-weight:700;
}
@media (max-width:760px){
  .flow{ flex-direction:column; align-items:flex-start; }
  .flow-arrow{ transform:rotate(90deg); margin:6px 0 6px 18px; }
}

/* ---------- CTA band ---------- */
.cta{
  background:var(--cream);
  padding:64px 0;
  border-top:1px solid var(--hairline);
  border-bottom:3px solid var(--gold);
}
.cta-inner{
  display:flex; align-items:center; justify-content:space-between;
  gap:32px; flex-wrap:wrap;
}
.cta h2{ font-size:26px; color:var(--navy); margin:0 0 8px; font-weight:700; max-width:460px; }
.cta p{ margin:0; color:var(--mid); font-size:15px; max-width:440px; }
.cta-actions{ display:flex; gap:14px; flex-wrap:wrap; }

/* ---------- Footer ---------- */
footer{
  background:var(--navy-deep); color:#9AA6B4;
  padding:44px 0 30px;
}
.footer-top{
  display:flex; justify-content:space-between; flex-wrap:wrap; gap:24px;
  padding-bottom:26px; border-bottom:1px solid rgba(255,255,255,.12);
  margin-bottom:22px;
}
.footer-brand{ font-family:'Montserrat'; font-weight:700; color:var(--white); font-size:15px; letter-spacing:1px; }
.footer-tag{ font-style:italic; color:var(--gold-light); font-size:12.5px; margin-top:4px; }
.footer-links{ display:flex; gap:26px; flex-wrap:wrap; }
.footer-links a{ font-size:13px; text-decoration:none; color:#B7C0CC; margin-right:26px; }
.footer-links a:last-child{ margin-right:0; }
.footer-links a:hover{ color:var(--white); }
.footer-note{ font-size:12px; color:#7C8795; max-width:760px; line-height:1.6; }

@media (max-width:600px){
  .wrap{ padding:0 20px; }
  .hero{ padding:64px 0 40px; }
  .cta-inner{ flex-direction:column; align-items:flex-start; }
}