:root{
  --navy:#003070; --navy-deep:#011d44; --ocean:#0a5cb8; --ocean-lt:#1d82b8;
  --gold:#f4b41f; --sunset:#e2851f; --sand:#f4ead2; --cream:#faf6ec;
  --palm:#2c7a32; --paper:#ffffff; --ink:#0d1b2e; --muted:#5a6b80;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--ink);background:var(--cream);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Fraunces',serif;line-height:1.08;letter-spacing:-.01em}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:1140px;margin:0 auto;padding:0 28px}
.eyebrow{font-size:.74rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--sunset)}
/* horizon rule = signature */
.horizon{height:3px;border:0;background:linear-gradient(90deg,var(--gold),var(--sunset) 30%,var(--ocean) 70%,var(--navy));border-radius:2px}

/* header */
header{background:var(--cream);border-bottom:1px solid rgba(0,48,112,.1);position:sticky;top:0;z-index:50}
.bar{display:flex;align-items:center;justify-content:space-between;height:78px}
.bar img{height:48px;width:auto}
nav ul{display:flex;gap:30px;list-style:none;align-items:center}
nav a{font-size:.93rem;font-weight:500;color:var(--navy);transition:.2s}
nav a:hover{color:var(--sunset)}
.btn{display:inline-block;font-weight:600;font-size:.93rem;padding:12px 24px;border-radius:6px;transition:.2s;cursor:pointer}
.btn-gold{background:var(--gold);color:var(--navy-deep);box-shadow:0 1px 0 rgba(0,0,0,.06)}
.btn-gold:hover{background:var(--sunset);color:#fff;transform:translateY(-1px)}
.btn-ghost{border:1.5px solid rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}

/* hero */
.hero{position:relative;background:linear-gradient(160deg,#0a4180 0%,var(--navy) 48%,var(--navy-deep) 100%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(85% 70% at 82% 2%,rgba(244,180,31,.20),rgba(226,133,31,.07) 38%,transparent 60%);pointer-events:none}
.hero .wrap{position:relative;z-index:2;padding:90px 28px 100px}
.hero .eyebrow{color:#ffe7b0}
.hero h1{font-size:clamp(2.4rem,5.2vw,4rem);font-weight:600;max-width:16ch;margin:.5rem 0 1.3rem;text-shadow:0 2px 24px rgba(0,20,50,.35)}
.hero p{font-size:1.18rem;max-width:54ch;color:#eaf2ff;margin-bottom:2.2rem}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.cta-row .phone{font-weight:600;color:#ffe7b0;font-size:1rem;display:flex;align-items:center;gap:8px}
.wave{display:block;width:100%;height:64px;margin-top:-1px}

/* sections */
section{padding:84px 0}
.lead{max-width:62ch}
.lead h2{font-size:clamp(1.8rem,3.6vw,2.7rem);color:var(--navy);font-weight:600;margin:.6rem 0 1rem}
.lead p{color:var(--muted);font-size:1.08rem}

.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:48px}
.card{background:var(--paper);border:1px solid rgba(0,48,112,.09);border-radius:14px;padding:30px 28px;transition:.25s;position:relative;overflow:hidden}
.card::before{content:"";position:absolute;left:0;top:0;height:100%;width:4px;background:linear-gradient(var(--gold),var(--ocean))}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(0,48,112,.1)}
.card h3{font-size:1.28rem;color:var(--navy);margin-bottom:.5rem;font-weight:600}
.card p{color:var(--muted);font-size:.98rem}

/* challenges - navy band */
.band{background:var(--navy);color:#fff}
.band .lead h2{color:#fff}
.band .lead p{color:#b9cde6}
.chal{display:grid;grid-template-columns:repeat(2,1fr);gap:18px 40px;margin-top:42px}
.chal li{list-style:none;display:flex;gap:14px;align-items:flex-start;font-size:1.04rem;color:#dce8f6}
.chal li span{flex:0 0 auto;width:26px;height:26px;border-radius:50%;background:rgba(244,180,31,.16);color:var(--gold);display:grid;place-items:center;font-weight:700;font-size:.85rem;margin-top:2px}

/* advantage */
.adv{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:46px}
.adv .item{text-align:left}
.adv .check{width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,var(--gold),var(--sunset));color:#fff;display:grid;place-items:center;font-size:1.3rem;font-weight:700;margin-bottom:14px}
.adv h3{font-size:1.1rem;color:var(--navy);margin-bottom:.35rem;font-weight:600}
.adv p{font-size:.94rem;color:var(--muted)}

/* final cta */
.final{background:linear-gradient(120deg,var(--navy-deep),var(--navy));color:#fff;text-align:center;border-radius:22px;padding:64px 32px;margin:0 auto;position:relative;overflow:hidden}
.final::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--gold),var(--sunset),var(--ocean))}
.final h2{font-size:clamp(2rem,4vw,3rem);font-weight:600;margin-bottom:.6rem}
.final p{color:#cfe0f3;max-width:48ch;margin:0 auto 2rem;font-size:1.1rem}

/* footer */
footer{background:var(--navy-deep);color:#9fb6d4;padding:54px 0 30px;margin-top:84px}
.fgrid{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;align-items:flex-start}
.fcard{background:var(--cream);border-radius:12px;padding:14px 18px;display:inline-block}
.fcard img{height:42px}
footer h4{color:#fff;font-family:'Inter';font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px;font-weight:600}
footer a:hover{color:var(--gold)}
.fcol p,.fcol a{display:block;font-size:.95rem;margin-bottom:8px}
.fbottom{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;font-size:.84rem;color:#6f88a8}

.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:8px;color:var(--navy);line-height:0}
@media(max-width:860px){
  .menu-btn{display:block}
  nav{position:relative}
  nav ul{display:none;position:absolute;right:0;top:calc(100% + 16px);flex-direction:column;gap:0;
    background:var(--paper);border:1px solid rgba(0,48,112,.12);border-radius:12px;
    box-shadow:0 14px 36px rgba(0,48,112,.18);padding:8px;min-width:230px;z-index:60}
  nav.open ul{display:flex}
  nav ul li{width:100%}
  nav ul li a{display:block;padding:13px 16px;border-radius:8px;font-size:1rem}
  nav ul li a:hover{background:var(--sand)}
  nav ul li a.btn-gold{text-align:center;margin-top:4px}
  .cards,.chal,.adv{grid-template-columns:1fr}
  .adv{gap:30px}
  section{padding:62px 0}
}
/* ===== shared additions for inner pages ===== */
.subhero{background:linear-gradient(160deg,#0a4180 0%,var(--navy) 48%,var(--navy-deep) 100%);color:#fff;position:relative;overflow:hidden}
.subhero::after{content:"";position:absolute;inset:0;background:radial-gradient(85% 70% at 82% 2%,rgba(244,180,31,.18),transparent 58%);pointer-events:none}
.subhero .wrap{position:relative;z-index:2;padding:74px 28px 80px}
.subhero h1{font-size:clamp(2.1rem,4.4vw,3.3rem);font-weight:600;max-width:18ch;margin:.5rem 0 1rem;text-shadow:0 2px 22px rgba(0,20,50,.3)}
.subhero p.tag{font-size:1.15rem;color:#eaf2ff;max-width:56ch}
.subhero .eyebrow{color:#ffe7b0}

/* numbered "why it matters" rows */
.rows{margin-top:46px;display:grid;gap:18px}
.row{display:flex;gap:22px;align-items:flex-start;background:var(--paper);border:1px solid rgba(0,48,112,.09);border-radius:14px;padding:26px 28px}
.row .num{font-family:'Fraunces',serif;font-size:1.7rem;font-weight:600;color:var(--gold);line-height:1;flex:0 0 auto;width:42px}
.row h3{font-size:1.2rem;color:var(--navy);margin-bottom:.3rem;font-weight:600}
.row p{color:var(--muted);font-size:.99rem}
.row ul{margin:.5rem 0 0 0;padding-left:1.1rem;color:var(--muted);font-size:.97rem}
.row ul li{margin-bottom:3px}

/* benefit list (protection) */
.benefits{margin-top:30px;display:grid;gap:14px}
.benefits li{list-style:none;display:flex;gap:14px;align-items:flex-start;background:var(--paper);border:1px solid rgba(0,48,112,.08);border-left:4px solid var(--gold);border-radius:10px;padding:18px 22px}
.benefits li b{color:var(--navy);display:block;margin-bottom:2px;font-weight:600}
.benefits li span{color:var(--muted);font-size:.97rem}
.benefits li .ic{flex:0 0 auto;color:var(--sunset);font-size:1.1rem;margin-top:1px}

.split{display:grid;grid-template-columns:1.1fr .9fr;gap:54px;align-items:start}
.panel{background:var(--paper);border:1px solid rgba(0,48,112,.09);border-radius:16px;padding:34px 32px}
.panel.sand{background:var(--sand);border-color:rgba(226,133,31,.18)}

/* about values */
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:46px}
.value{text-align:center;padding:30px 22px;background:var(--paper);border:1px solid rgba(0,48,112,.09);border-radius:14px}
.value .dot{width:48px;height:48px;border-radius:12px;margin:0 auto 16px;background:linear-gradient(135deg,var(--gold),var(--sunset));display:grid;place-items:center;color:#fff;font-size:1.3rem}
.value h3{color:var(--navy);font-size:1.15rem;margin-bottom:.4rem;font-weight:600}
.value p{color:var(--muted);font-size:.95rem}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.cinfo .item{display:flex;gap:16px;align-items:flex-start;margin-bottom:26px}
.cinfo .item .ic{flex:0 0 auto;width:44px;height:44px;border-radius:11px;background:var(--sand);display:grid;place-items:center;color:var(--sunset);font-size:1.15rem}
.cinfo .item h4{color:var(--navy);font-family:'Inter';font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:4px}
.cinfo .item a,.cinfo .item p{color:var(--ink);font-size:1.05rem}
.form label{display:block;font-size:.82rem;font-weight:600;color:var(--navy);margin:0 0 6px;letter-spacing:.02em}
.form input,.form textarea,.form select{width:100%;padding:13px 15px;border:1px solid rgba(0,48,112,.2);border-radius:9px;font-family:inherit;font-size:.98rem;margin-bottom:18px;background:#fff;transition:.2s}
.form input:focus,.form textarea:focus,.form select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(244,180,31,.18)}
.form textarea{min-height:120px;resize:vertical}
.form button{width:100%;border:0}

.crumb{font-size:.85rem;color:#cfe0f3;margin-bottom:6px}
.crumb a:hover{color:var(--gold)}

@media(max-width:860px){
  .split,.contact-grid{grid-template-columns:1fr;gap:32px}
  .values{grid-template-columns:1fr}
}

/* ===== Services dropdown ===== */
.has-sub{position:relative}
.has-sub > a::after{content:" \25BE";font-size:.7em;opacity:.7}
.submenu{display:none;position:absolute;top:100%;left:0;background:var(--paper);
  border:1px solid rgba(0,48,112,.12);border-radius:12px;box-shadow:0 16px 40px rgba(0,48,112,.18);
  padding:8px;min-width:236px;z-index:70;list-style:none;flex-direction:column;gap:0}
.submenu::before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}
.has-sub:hover .submenu,.has-sub:focus-within .submenu{display:flex}
.submenu li{width:100%}
.submenu li a{display:block;padding:11px 15px;border-radius:8px;font-size:.93rem;white-space:nowrap;color:var(--navy)}
.submenu li a:hover{background:var(--sand);color:var(--sunset)}

/* ===== hero two-column with icon ===== */
.hero-grid{display:grid;grid-template-columns:1.18fr .82fr;align-items:center;gap:36px}
.hero-art{display:flex;justify-content:center;align-items:center}
.hero-art img{width:min(300px,72%);height:auto;filter:drop-shadow(0 14px 40px rgba(0,0,0,.35))}

@media(max-width:860px){
  .has-sub > a::after{content:""}
  .submenu{display:flex;position:static;border:0;box-shadow:none;padding:2px 0 6px 10px;min-width:0;background:transparent}
  .submenu::before{display:none}
  .submenu li a{padding:10px 16px;font-size:.95rem;color:var(--muted)}
  .has-sub > a{font-weight:600}
  .hero-grid{grid-template-columns:1fr}
  .hero-art{order:-1;margin-bottom:8px}
  .hero-art img{width:140px}
}