:root{
  --navy:#23364d;
  --navy-2:#1e2f43;
  --gold:#c59a3c;
  --gold-2:#d3ad55;
  --bg:#f5f2ed;
  --bg-2:#fbfaf8;
  --text:#1f2937;
  --muted:#6b7280;
  --card:#ffffff;
  --border:#e7e1d7;
  --shadow:0 10px 30px rgba(17,24,39,.08);
  --radius:14px;
  --max:1120px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background:var(--bg-2);
  line-height:1.55;
}
h1,h2,h3{
  font-family:"Playfair Display", Georgia, "Times New Roman", Times, serif;
  letter-spacing:-.02em;
  margin:0 0 .5rem 0;
}
h1{font-size:clamp(2.1rem, 4vw, 3.2rem); color:#fff}
h2{font-size:clamp(1.6rem, 2.6vw, 2.2rem); color:var(--navy)}
h3{font-size:1.15rem; color:var(--navy)}
p{margin:0 0 1rem 0; color:var(--muted)}
a{color:inherit; text-decoration:none}
.container{max-width:var(--max); margin:0 auto; padding:0 22px}

header{
  position:sticky; top:0; z-index:50;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(140%) blur(8px);
  border-bottom:1px solid rgba(231,225,215,.8);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  height:72px;
}
.brand{
  font-family:"Playfair Display", Georgia, serif;
  font-weight:600;
  color:var(--navy);
  letter-spacing:.01em;
}
.navlinks{
  display:flex; gap:18px; align-items:center;
  font-size:.92rem; color:#374151;
}
.navlinks a{padding:8px 6px; border-radius:10px}
.navlinks a:hover{background:rgba(35,54,77,.06)}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  border-radius:12px; padding:10px 14px;
  font-weight:600; font-size:.92rem;
  border:1px solid transparent;
}
.btn-primary{background:var(--navy); color:#fff}
.btn-primary:hover{background:var(--navy-2)}
.btn-gold{background:var(--gold); color:#111827}
.btn-gold:hover{background:var(--gold-2)}
.btn-outline{border-color:rgba(255,255,255,.45); color:#fff; background:transparent}
.btn-outline:hover{border-color:rgba(255,255,255,.7); background:rgba(255,255,255,.06)}

.hero{
  min-height: 75vh; /* keep / adjust for “taller” hero */
  background:
    linear-gradient(90deg, rgba(20,30,44,.78) 0%, rgba(20,30,44,.52) 55%, rgba(20,30,44,.22) 100%),
    url("hero.jpg") center/contain no-repeat;
  background-color: #141e2c; /* fills any empty space */
}

.hero .inner{
  padding: 300px 0 86px 0;   /* top, right, bottom, left */
}
.hero .kicker{
  color: var(--gold);
  font-size: .85rem;   /* keep as-is */
  font-weight: 800;
}
.kicker{
  display:inline-block;
  font-size:.72rem;
  letter-spacing:.18em;
  text-transform:uppercase;
  color:rgba(255,255,255,.82);
  margin-bottom:14px;
}
.kicker .dot{color:var(--gold); margin-right:8px}
.hero p{max-width:640px; color:rgba(255,255,255,.82)}
.hero .actions{display:flex; gap:12px; margin-top:18px; flex-wrap:wrap}

.section{padding:74px 0}
.section .subhead{max-width:720px; margin-top:10px}

.strip{
  background:var(--bg);
  border-top:1px solid rgba(231,225,215,.9);
  border-bottom:1px solid rgba(231,225,215,.9);
}
.chips{
  display:flex; flex-wrap:wrap; gap:10px;
  padding:22px 0;
}
.chip{
  border:1px solid var(--border);
  background:#fff;
  padding:8px 12px;
  border-radius:999px;
  font-size:.9rem;
  color:#374151;
  box-shadow:0 6px 20px rgba(17,24,39,.05);
}

.grid{
  display:grid;
  gap:18px;
}
.grid.cols-3{grid-template-columns:repeat(3, minmax(0,1fr))}
.grid.cols-2{grid-template-columns:repeat(2, minmax(0,1fr))}
.card{
  background:var(--card);
  border:1px solid rgba(231,225,215,.95);
  border-radius:var(--radius);
  padding:20px 20px 18px 20px;
  box-shadow:0 10px 30px rgba(17,24,39,.05);
}
.card p{margin:6px 0 0 0}
.icon{
  width:38px; height:38px;
  border-radius:12px;
  background:rgba(197,154,60,.14);
  display:flex; align-items:center; justify-content:center;
  color:var(--gold);
  margin-bottom:12px;
  border:1px solid rgba(197,154,60,.22);
  font-weight:800;
}

.split{
  display:grid; gap:22px;
  grid-template-columns:1.15fr .85fr;
  align-items:start;
}
.box{
  background:#fff;
  border:1px solid rgba(231,225,215,.95);
  border-radius:var(--radius);
  padding:18px;
  box-shadow:0 10px 30px rgba(17,24,39,.05);
}
.box h3{margin-bottom:10px}
.list{margin:0; padding-left:18px; color:#374151}
.list li{margin:8px 0}
.small{font-size:.95rem}

.navyband{
  background:var(--navy);
  color:#fff;
  padding:76px 0;
}
.navyband h2{color:#fff}
.navyband p{color:rgba(255,255,255,.75)}
.navyband .stats{
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 28px;
  margin-top: 26px;
}

.stat{
  border:1px solid rgba(255,255,255,.12);
  border-radius:16px;
  padding:18px;
  text-align:center;
  background:rgba(0,0,0,.08);
}
.stat .num{
  font-family:"Playfair Display", Georgia, serif;
  font-size:2.1rem;
  color:var(--gold-2);
  margin-bottom:6px;
}
.stat .lbl{font-size:.92rem; color:rgba(255,255,255,.78)}

.timeline .step{
  display:grid;
  grid-template-columns:64px 1fr;
  gap:14px;
  padding:14px 0;
  border-bottom:1px dashed rgba(231,225,215,.95);
}
.badge{
  width:52px; height:52px;
  border-radius:16px;
  background:rgba(35,54,77,.08);
  border:1px solid rgba(35,54,77,.14);
  display:flex; align-items:center; justify-content:center;
  font-weight:800; color:var(--navy);
}

.contactwrap{
  display:flex; justify-content:center;
  margin-top:26px;
}
.contactcard{
  width:min(720px, 100%);
}
.contactrow{
  display:flex; gap:14px; align-items:flex-start;
  padding:14px 0;
  border-bottom:1px solid rgba(231,225,215,.9);
}
.contactrow:last-child{border-bottom:none}
.bullicon{
  width:34px; height:34px;
  border-radius:999px;
  background:rgba(197,154,60,.16);
  border:1px solid rgba(197,154,60,.25);
  display:flex; align-items:center; justify-content:center;
  color:var(--gold);
  flex:0 0 auto;
}
.footer{
  background:var(--navy);
  color:rgba(255,255,255,.78);
  padding:22px 0;
  font-size:.92rem;
}
.footer .row{
  display:flex; align-items:center; justify-content:space-between;
  gap:12px;
}
.muted-on-navy{color:rgba(255,255,255,.78)}
hr.sep{border:none; border-top:1px solid rgba(231,225,215,.9); margin:22px 0}

@media (max-width: 980px){
  .grid.cols-3{grid-template-columns:repeat(2, minmax(0,1fr))}
  .split{grid-template-columns:1fr}
}

@media (max-width: 640px){
  .navlinks{display:none}
  .hero{min-height:520px}
  .grid.cols-3{grid-template-columns:1fr}
  .grid.cols-2{grid-template-columns:1fr}
}

.icon svg{
  width:20px;
  height:20px;
  stroke: currentColor;
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
@media (max-width: 640px){
  .hero{
    /* fill the hero with the image on mobile (removes the black block) */
    background:
      linear-gradient(90deg, rgba(20,30,44,.72) 0%, rgba(20,30,44,.50) 55%, rgba(20,30,44,.22) 100%),
      url("hero.jpg") center 35%/cover no-repeat;
  }

  /* optional: tighten vertical spacing so content starts sooner */
  .hero .inner{
    padding: 95px 0 50px 0;
  }
}
.trust-seal{
  display:flex;
  align-items:center;
  justify-content:flex-end;
}
.trust-seal img{
  height:32px;     /* adjust to taste */
  width:auto;
}
@media (max-width: 640px){
  .trust-seal{ justify-content:flex-start; }
  .trust-seal img{ height:28px; }
}