/* ===== Base ===== */
:root{--blue:#0a3d66;--blue-d:#072c4a;--gold:#e3a92b;--gold-d:#c58e14;--green:#5b8a3a;--bg:#fbfaf6;--tint:#eef2f5;--ink:#1b2a36;--muted:#4a5b68;--line:#dde4ea;--h:'Montserrat',system-ui,sans-serif;--b:'Open Sans',system-ui,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:var(--b);color:var(--ink);background:var(--bg);line-height:1.6}
a{color:inherit;text-decoration:none}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--h);line-height:1.15}
section{padding:60px 0}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 24px;border-radius:999px;font-weight:700;font-size:15px;border:2px solid transparent;cursor:pointer;font-family:var(--b);transition:background .2s}
.gold{background:var(--gold);color:var(--blue-d)}.gold:hover{background:var(--gold-d)}
.ghost{border-color:#fff;color:#fff}.ghost:hover{background:rgba(255,255,255,.14)}
.eyebrow{color:var(--gold-d);font:700 12px var(--h);letter-spacing:.14em;text-transform:uppercase}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:28px;flex-wrap:wrap;margin-bottom:28px}
.sec-head h2{font-size:34px;color:var(--blue);font-weight:800}
.sec-head p{max-width:320px;font-size:14px;color:var(--muted)}

/* seamless page transitions */
.view{animation:in .45s ease both}
.view[hidden]{display:none}
@keyframes in{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.pagehead{background:var(--tint);padding:46px 0 34px}
.pagehead h1{font-size:clamp(30px,4vw,42px);color:var(--blue);font-weight:800;margin:6px 0 10px}
.pagehead p{max-width:640px;color:var(--muted)}

/* ===== Header & navigation ===== */
header{background:#fff;position:sticky;top:0;z-index:20;box-shadow:0 1px 0 var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px;gap:20px}
.logo{display:flex;align-items:center;gap:12px;font:700 15px var(--h);color:var(--blue);line-height:1.15}
.logo img{width:56px;height:56px;border-radius:50%;background:#fff}
nav ul{display:flex;gap:24px;list-style:none;font-size:14px;font-weight:600}
nav a{padding:8px 0;border-bottom:2px solid transparent}
nav a[aria-current],nav a:hover{border-color:var(--gold);color:var(--blue)}
.tools{display:flex;align-items:center;gap:12px}
.menu-btn{display:none;background:none;border:0;font-size:28px;color:var(--blue);cursor:pointer}

/* ===== Form Card Panel ===== */
.panel{background:#fff;border-radius:14px;padding:28px;border:1px solid var(--line);box-shadow:0 2px 8px rgba(10,61,102,.04)}
.honeypot{position:absolute !important;left:-10000px !important;width:1px !important;height:1px !important;overflow:hidden;}

/* ===== Call-to-action band & footer ===== */
footer{background:var(--blue-d);color:#fff;padding:40px 0 18px;margin-top:60px;}
.foot{display:grid;grid-template-columns:1.2fr 1.2fr 1fr;gap:32px;align-items:start}
footer .logo{color:#fff}
.foot ul{list-style:none;display:grid;gap:10px;font-size:13px}
.legal{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;border-top:1px solid rgba(255,255,255,.2);margin-top:28px;padding-top:14px;font-size:11px}

/* ===== Responsive ===== */
@media(max-width:1080px){nav ul{gap:16px;font-size:13px}}
@media(max-width:960px){.foot{grid-template-columns:1fr}}
@media(max-width:860px){
  nav ul{display:none;position:absolute;top:80px;left:0;right:0;background:#fff;flex-direction:column;padding:16px 24px;gap:14px;border-bottom:1px solid var(--line);font-size:15px}
  nav ul.open{display:flex}.menu-btn{display:block}
}
@media(max-width:560px){.logo{font-size:12px}.logo img{width:46px;height:46px}.tools .btn{padding:8px 14px;font-size:13px;white-space:nowrap}.nav{gap:10px}}