:root{
  --bg:#f6f2eb;
  --bg-soft:#fbf8f3;
  --text:#17181c;
  --muted:#5f6470;
  --line:#ddd5ca;
  --navy:#263b66;
  --navy-2:#314a7d;
  --ink:#0f1728;
  --white:#ffffff;
  --shadow:0 24px 60px rgba(19,24,36,.08);
  --radius:18px;
  --radius-sm:12px;
  --wrap:min(1180px, calc(100% - 48px));
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{width:var(--wrap);margin:0 auto}
.serif,h1,h2,h3,.quote,.value-title{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.02em}
.eyebrow{font-size:.74rem;letter-spacing:.24em;text-transform:uppercase;color:var(--navy);font-weight:700}
.topbar{position:sticky;top:0;z-index:20;background:rgba(246,242,235,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(0,0,0,.05)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:18px 0}
.brand img{height:50px;width:auto}
.links{display:flex;align-items:center;gap:26px;font-size:.98rem}
.links a{color:#202636}
.links a:hover{color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 24px;border-radius:999px;background:var(--navy);color:#fff;border:1px solid var(--navy);font-weight:600;transition:.2s ease;box-shadow:none}
.btn:hover{background:var(--navy-2);border-color:var(--navy-2);transform:translateY(-1px)}
.btn.ghost{background:transparent;color:var(--ink);border-color:#1f2b45}
.btn.ghost:hover{background:#fff}
.btn.small{padding:11px 18px;font-size:.95rem}
.mobile-toggle{display:none}
.hero{padding:38px 0 26px}
.hero-shell{position:relative;overflow:hidden;border-radius:28px;background:linear-gradient(115deg, rgba(246,242,235,.96) 0%, rgba(246,242,235,.92) 37%, rgba(246,242,235,.18) 58%, rgba(246,242,235,.04) 100%), linear-gradient(135deg, #cbbca9 0%, #9d8d79 18%, #4c4a45 55%, #222831 100%);box-shadow:var(--shadow);min-height:650px;border:1px solid rgba(0,0,0,.04)}
.hero-shell::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 24%, rgba(255,221,154,.55), transparent 18%), linear-gradient(transparent 0%, rgba(0,0,0,.22) 100%)}
.hero-shell::after{content:"";position:absolute;right:-120px;top:110px;width:620px;height:430px;border-radius:40px;background:linear-gradient(150deg, rgba(255,255,255,.10), rgba(255,255,255,.03));box-shadow:inset 0 0 0 1px rgba(255,255,255,.08)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.1fr) 310px;gap:34px;padding:76px 54px 54px;align-items:start}
.hero-copy{max-width:650px}
.hero h1{font-size:clamp(3rem,6vw,5.4rem);line-height:.95;margin:18px 0 22px;color:#101521}
.hero p{font-size:1.14rem;max-width:585px;color:#30374a;margin:0 0 28px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.panel{background:rgba(255,255,255,.9);border:1px solid rgba(0,0,0,.06);padding:34px 28px;border-radius:22px;box-shadow:0 16px 42px rgba(16,21,33,.14)}
.panel .eyebrow{margin-bottom:12px}
.panel .value-title{font-size:3.15rem;line-height:1;margin:0 0 18px;color:#111827}
.panel .rule{width:46px;height:1px;background:#1d2941;margin:18px 0}
.panel p{margin:0;color:#394254;font-size:.98rem}
.stat-bar{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:-44px;position:relative;z-index:2}
.stat{background:#fff;border-radius:18px;padding:22px 22px;border:1px solid rgba(0,0,0,.04);box-shadow:0 16px 38px rgba(16,21,33,.06)}
.stat b{display:block;font-size:1.15rem;margin-top:6px}
.section{padding:92px 0}
.section.compact{padding:72px 0}
.section.alt{background:var(--bg-soft)}
.center{text-align:center}
.section-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:34px}
.section-head h2,.center h2,.quote h2{font-size:clamp(2rem,4vw,3.65rem);line-height:1.03;margin:10px 0 0}
.section-head p,.center p{max-width:540px;color:var(--muted);margin:0}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:0 12px 34px rgba(17,24,39,.04)}
.card .num{font-size:.74rem;letter-spacing:.2em;color:var(--navy);font-weight:800;text-transform:uppercase;margin-bottom:18px}
.card h3{font-size:2rem;line-height:1.05;margin:0 0 12px}
.card p{color:var(--muted);margin:0 0 18px}
.card-link{display:inline-flex;align-items:center;gap:8px;color:var(--navy);font-weight:700}
.split-band{background:linear-gradient(110deg, #24385e 0%, #314d83 50%, #20355f 100%);color:#fff}
.split-band .band-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.quote h2{margin:12px 0 0;color:#fff}
.quote p,.band-copy p{color:rgba(255,255,255,.84)}
.band-card{background:rgba(255,255,255,.08);padding:28px;border:1px solid rgba(255,255,255,.14);border-radius:20px}
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{padding:10px 8px 0 0;position:relative}
.step::before{content:"";display:block;height:2px;background:linear-gradient(90deg,var(--navy),rgba(38,59,102,.15));margin-bottom:16px;border-radius:2px}
.step .pill{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:700;margin-bottom:16px}
.step h3{font-size:1.45rem;margin:0 0 8px}
.step p{margin:0;color:var(--muted)}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.article{background:#fff;border-radius:20px;overflow:hidden;border:1px solid var(--line);box-shadow:0 10px 30px rgba(17,24,39,.05)}
.article-media{height:210px;background:linear-gradient(135deg,#d6c8b4,#9e917f 35%,#e7e0d6 35%,#f5f0e8 100%);position:relative}
.article-media.variant-2{background:linear-gradient(135deg,#f2ede4,#c9bbab 40%,#b3a792 40%,#ece4d7 100%)}
.article-media.variant-3{background:linear-gradient(135deg,#cad6ec,#8b9ec0 35%,#f1ede5 36%,#e5ddd1 100%)}
.article-media::after{content:"";position:absolute;inset:28px;border-radius:18px;border:1px solid rgba(255,255,255,.5);background:rgba(255,255,255,.18)}
.article-body{padding:24px}
.article small{display:block;color:var(--navy);font-size:.72rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;margin-bottom:12px}
.article h3{font-size:1.75rem;line-height:1.04;margin:0 0 12px}
.article p{margin:0 0 18px;color:var(--muted)}
.cta{padding:92px 0}
.cta-shell{background:#131a2d;color:#fff;border-radius:28px;padding:56px;display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center;box-shadow:var(--shadow)}
.cta-shell h2{font-size:clamp(2rem,4vw,3.8rem);line-height:1.02;margin:12px 0 16px;color:#fff}
.cta-shell p{color:rgba(255,255,255,.82);max-width:620px}
.contact-card{background:#fff;color:var(--text);border-radius:22px;padding:28px;box-shadow:0 16px 44px rgba(0,0,0,.2)}
form{display:grid;gap:14px}
label{display:grid;gap:7px;font-size:.94rem;font-weight:600;color:#1f2430}
input,textarea,select{width:100%;padding:14px 14px;border:1px solid #d7dbe3;border-radius:12px;background:#fff;font:inherit;color:inherit}
textarea{min-height:160px;resize:vertical}
input:focus,textarea:focus,select:focus{outline:2px solid rgba(49,74,125,.18);border-color:#7487ad}
.form-note{font-size:.84rem;color:#657086;margin-top:2px}
.kicker{display:inline-flex;align-items:center;gap:10px;color:#8f96a7;font-size:.9rem}
.kicker::before{content:"";width:34px;height:1px;background:#8f96a7}
.page-hero{padding:74px 0 28px}
.page-hero h1{font-size:clamp(2.4rem,5vw,4.6rem);line-height:1;margin:12px 0 16px}
.page-hero p{max-width:780px;color:var(--muted);font-size:1.08rem}
.text-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:start}
.text-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 12px 30px rgba(17,24,39,.04)}
.list{display:grid;gap:12px;padding:0;margin:0;list-style:none}
.list li{padding:0 0 12px 0;border-bottom:1px solid var(--line)}
.list li:last-child{border-bottom:none;padding-bottom:0}
.footer{padding:26px 0 28px;background:linear-gradient(180deg,#11192b,#0d1322);color:#fff}
.footer-top{display:grid;grid-template-columns:1.1fr .9fr .9fr;gap:34px;align-items:start;padding:34px 0}
.footer-logo{width:190px;filter:brightness(0) invert(1)}
.footer p,.footer a{color:rgba(255,255,255,.8)}
.footer strong{display:block;margin-bottom:14px;color:#fff}
.footer .list-links a{display:block;margin:8px 0}
.footer-divider{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;color:rgba(255,255,255,.7);font-size:.95rem}
.notice{padding:14px 16px;border-radius:12px;background:#f4efe6;border:1px solid #e7dbc4;color:#51452f;font-size:.95rem}
.badge{display:inline-flex;align-items:center;padding:8px 12px;border-radius:999px;background:#edf2fb;color:var(--navy);font-weight:700;font-size:.82rem}
@media (max-width:1040px){
  .hero-grid,.cta-shell,.split-band .band-wrap,.text-grid,.footer-top{grid-template-columns:1fr}
  .hero-shell::after{display:none}
  .card-grid,.article-grid,.process,.stat-bar{grid-template-columns:repeat(2,1fr)}
  .section-head{flex-direction:column;align-items:start}
}
@media (max-width:760px){
  .wrap{width:min(100% - 28px, 1180px)}
  .topbar{position:relative}
  .nav{flex-wrap:wrap}
  .brand img{height:44px}
  .links{width:100%;overflow:auto;padding-bottom:4px;gap:18px}
  .hero{padding:22px 0 18px}
  .hero-grid{padding:42px 24px 24px}
  .panel .value-title{font-size:2.45rem}
  .hero h1{font-size:2.8rem}
  .card-grid,.article-grid,.process,.stat-bar{grid-template-columns:1fr}
  .cta-shell{padding:28px}
  .section,.cta{padding:64px 0}
}