:root{
  --navy:#102a52;
  --blue:#1d4f91;
  --gold:#d7a94b;
  --light:#f5f8fc;
  --dark:#162132;
  --muted:#5f6d80;
  --white:#ffffff;
  --border:#d9e3ef;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: Arial, Helvetica, sans-serif;
  color:var(--dark);
  background:var(--white);
  line-height:1.6;
}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.topbar{background:#0b1f3d;color:#dfe8f4;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding:10px 24px}
.navbar{
  background:#fff;
  border-bottom:1px solid var(--border);
  position:sticky;top:0;z-index:30;
}
.navbar .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;gap:20px}
.brand{display:flex;align-items:center;gap:14px;color:var(--navy);font-weight:700}
.brand img{height:56px;width:auto}
.navlinks{display:flex;gap:18px;flex-wrap:wrap;font-weight:700}
.navlinks a{color:var(--navy)}
.hero{
  background:linear-gradient(135deg, rgba(16,42,82,.97), rgba(29,79,145,.92));
  color:#fff;
  padding:72px 0 58px;
}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:34px;align-items:center}
.eyebrow{
  display:inline-block;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.18);
  padding:8px 12px;
  border-radius:999px;
  font-size:13px;
  letter-spacing:.35px;
  margin-bottom:16px;
}
h1{font-size:48px;line-height:1.08;margin:0 0 12px}
h2{font-size:34px;color:var(--navy);margin:0 0 12px}
h3{font-size:22px;color:var(--navy);margin:0 0 10px}
.lead{font-size:19px;color:#e9eff8;max-width:760px}
.section-lead{font-size:18px;color:var(--muted);max-width:860px;margin-top:0}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.btn{
  display:inline-block;
  padding:14px 18px;
  border-radius:12px;
  font-weight:700;
  border:1px solid transparent;
}
.btn.primary{background:var(--gold);color:#17212f}
.btn.secondary{background:transparent;border-color:rgba(255,255,255,.34);color:#fff}
.hero-card,.card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:18px;
  padding:24px;
  box-shadow:0 10px 30px rgba(16,42,82,.06);
}
.hero-card{color:var(--dark)}
.hero-card h3{margin-bottom:8px}
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
section{padding:56px 0}
.band{background:var(--light);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:26px}
.stat{
  background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;text-align:center;
}
.stat strong{display:block;font-size:24px;color:var(--navy);margin-bottom:6px}
.badge{
  display:inline-block;padding:8px 10px;margin:6px 8px 0 0;background:#eef4fb;color:var(--navy);
  border:1px solid #d4e4f4;border-radius:999px;font-size:14px;font-weight:700;
}
.clean{margin:0;padding-left:20px}
.callout{
  background:#fff7e8;border:1px solid #efd8a4;border-radius:16px;padding:18px 20px;color:#5d4820
}
footer{background:#0f2548;color:#e8eef7;padding:34px 0;margin-top:20px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:22px}
.small{font-size:14px;color:var(--muted)}
.kv p{margin:.25rem 0}
.table{
  width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--border);border-radius:16px;overflow:hidden
}
.table th,.table td{padding:14px 16px;border-bottom:1px solid var(--border);vertical-align:top;text-align:left}
.table th{background:#edf4fb;color:var(--navy);font-size:15px}
.table tr:last-child td{border-bottom:none}
.contact-box{background:#fff;border:1px solid var(--border);border-radius:18px;padding:26px}
@media (max-width: 900px){
  .hero-grid,.grid-2,.grid-3,.stats,.footer-grid{grid-template-columns:1fr}
  .navlinks{display:none}
  h1{font-size:38px}
  .lead{font-size:18px}
}