:root{--navy:#0F2A4A;--gold:#D9A22D;--cream:#FFFFFF;--ink:#0f203a}
*{box-sizing:border-box}html,body{margin:0;padding:0}
body{background:var(--cream);color:var(--ink);font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Inter,Arial,sans-serif;line-height:1.65}
a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}

.header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.98);border-bottom:1px solid rgba(15,42,74,.08);backdrop-filter:blur(6px)}
.container{max-width:1080px;margin:0 auto;padding:0 18px}
.topbar{display:flex;align-items:center;justify-content:space-between;padding:12px 0}
.brand{display:flex;align-items:center;gap:12px}
.brand img.site-logo{height:clamp(88px,12vw,128px);width:auto;display:block}
.brand .name{font-weight:800;letter-spacing:.2px;color:var(--navy);font-size:clamp(18px,2.4vw,24px)}
.nav{display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.nav a{padding:8px 12px;border-radius:10px;font-weight:600}
.nav a.active,.nav a:hover{background:var(--gold);color:#0b1c34;text-decoration:none}
.nav .cta{background:var(--navy);color:#fff;border-radius:10px;padding:9px 14px}.nav .cta:hover{opacity:.9}

.hero{min-height:56vh;display:grid;place-items:center;text-align:center;color:#fff;background-size:cover;background-position:center;position:relative}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,0,0,.18),rgba(0,0,0,.45))}
.hero .inner{position:relative;z-index:1;padding:70px 18px}
.hero h1{margin:0 0 10px;font-size:clamp(28px,3.7vw,44px);font-weight:900;letter-spacing:.2px}
.hero .lead{margin:0 auto 18px;max-width:800px;font-size:clamp(16px,2vw,19px)}
.btns{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.btn{display:inline-block;padding:12px 16px;border-radius:12px;font-weight:700;border:2px solid transparent}
.btn-primary{background:var(--navy);color:#fff}.btn-accent{background:var(--gold);color:#0b1c34}

.section{padding:42px 0}.title{font-size:24px;font-weight:800;margin:0 0 6px;color:var(--navy)}
.row{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid rgba(15,42,74,.08);border-radius:14px;padding:16px}
.split{display:grid;gap:24px;grid-template-columns:1.1fr .9fr}@media(max-width:900px){.split{grid-template-columns:1fr}}

footer{margin-top:36px;background:#f6f6f6;color:#1a2b45;border-top:1px solid rgba(15,42,74,.08)}
.footer-inner{max-width:1080px;margin:0 auto;padding:22px 18px;display:grid;gap:12px;grid-template-columns:1.2fr 1fr 1fr}
.footer-inner a{color:#1a2b45}.footer-bottom{text-align:center;padding:10px;border-top:1px solid rgba(15,42,74,.08)}
.form-embed iframe{min-height:900px;min-height:calc(100svh - 140px);min-height:900px;width:100%;min-height:800px;border:0;border-radius:12px;background:#fff}