:root {
  --navy: #0b1f33;
  --navy-2: #102f4d;
  --gold: #d7b56d;
  --cream: #f8f5ef;
  --slate: #5f6f7e;
  --ink: #172230;
  --line: #dde3e8;
  --white: #ffffff;
  --success: #1d7a4d;
  --error: #a53a32;
  --shadow: 0 12px 30px rgba(16, 47, 77, 0.08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: Inter, "Segoe UI", Arial, sans-serif;
  line-height: 1.6;
}

a { color: inherit; }
img { max-width: 100%; height: auto; }
button, input, select, textarea { font: inherit; }
.container { width: min(1180px, 92%); margin-inline: auto; }
.logo { width: 210px; }

.skip-link {
  position: absolute;
  left: -999px;
  top: 1rem;
  z-index: 999;
  background: var(--gold);
  color: var(--navy);
  padding: 0.75rem 1rem;
  border-radius: 0.5rem;
}
.skip-link:focus { left: 1rem; }

.topbar { background: var(--navy); color: var(--cream); font-size: 0.85rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; padding-block: 0.45rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(248, 245, 239, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; padding-block: 0.9rem; }
.brand { display: inline-flex; align-items: center; text-decoration: none; }
.brand img { width: 190px; }
.nav-links { display: flex; align-items: center; gap: 1.1rem; }
.nav-links a { color: var(--ink); text-decoration: none; font-size: 0.95rem; font-weight: 650; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--gold); }
.menu-toggle { display: none; border: 1px solid var(--line); background: var(--white); padding: 0.5rem 0.7rem; border-radius: 8px; cursor: pointer; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 0.85rem 1.15rem;
  font-weight: 750;
  text-decoration: none;
  cursor: pointer;
}
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { filter: brightness(0.95); }
.btn-outline { border-color: rgba(255,255,255,0.55); color: var(--cream); }
.btn-light { background: var(--white); color: var(--navy); border-color: var(--line); }

.hero {
  background: linear-gradient(135deg, rgba(11,31,51,0.96), rgba(16,47,77,0.92)), radial-gradient(circle at 80% 20%, rgba(215,181,109,0.35), transparent 35%);
  color: var(--cream);
  padding-block: 6rem 5rem;
}
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 3rem; align-items: center; }
.eyebrow { color: var(--gold); text-transform: uppercase; letter-spacing: 0.18em; font-weight: 800; font-size: 0.78rem; }
.hero h1, .page-hero h1 { font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.35rem, 5vw, 4.8rem); line-height: 1.03; margin: 0.7rem 0 1rem; }
.hero p, .page-hero p { color: #dce4ec; max-width: 760px; }
.hero p { font-size: 1.15rem; }
.hero-actions { display: flex; gap: 0.9rem; flex-wrap: wrap; margin-top: 1.7rem; }

.panel { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14); border-radius: 24px; padding: 1.4rem; box-shadow: 0 20px 50px rgba(0,0,0,0.22); }
.panel h2, .panel h3 { color: var(--gold); margin-top: 0; }
.selector button { display: block; width: 100%; margin-block: 0.55rem; padding: 0.85rem; border-radius: 12px; border: 1px solid rgba(255,255,255,0.16); background: rgba(255,255,255,0.06); color: var(--cream); text-align: left; cursor: pointer; }
.selector button.active, .selector button:hover { border-color: var(--gold); background: rgba(215,181,109,0.15); }
.selector-result { min-height: 5.5rem; margin-top: 1rem; background: rgba(0,0,0,0.18); border-radius: 14px; padding: 1rem; color: #eef2f5; }

.section { padding-block: 4.5rem; }
.section-title { max-width: 780px; margin-bottom: 2.2rem; }
.section-title h2 { font-family: Georgia, "Times New Roman", serif; font-size: clamp(2rem, 3vw, 3rem); line-height: 1.1; margin: 0.3rem 0; }
.section-title p, .muted { color: var(--slate); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.card { background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 1.4rem; box-shadow: var(--shadow); }
.card h2, .card h3 { color: var(--navy); margin-top: 0; }
.metric { font-family: Georgia, "Times New Roman", serif; font-size: 2.6rem; line-height: 1; color: var(--gold); }
.band { background: var(--navy); color: var(--cream); }
.band .card { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.13); box-shadow: none; }
.band .card h3 { color: var(--gold); }
.list { padding-left: 1.1rem; }
.list li { margin-block: 0.45rem; }
.page-hero { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: var(--cream); padding-block: 4.6rem; }

.filters { display: flex; gap: 0.6rem; flex-wrap: wrap; margin-bottom: 1.4rem; }
.filter-btn { border: 1px solid var(--line); background: var(--white); padding: 0.65rem 0.9rem; border-radius: 999px; cursor: pointer; font-weight: 700; }
.filter-btn.active { background: var(--navy); color: var(--cream); border-color: var(--navy); }
.insight-card[hidden] { display: none; }

.faq-item { border-bottom: 1px solid var(--line); background: var(--white); }
.faq-question { width: 100%; border: 0; background: transparent; text-align: left; padding: 1.1rem; font-size: 1rem; font-weight: 800; cursor: pointer; }
.faq-answer { display: none; padding: 0 1.1rem 1.1rem; color: var(--slate); }
.faq-item.open .faq-answer { display: block; }

.contact-form label { display: block; margin: 0.7rem 0 0.25rem; font-weight: 800; }
.contact-form input, .contact-form textarea, .contact-form select { width: 100%; padding: 0.85rem; border: 1px solid var(--line); border-radius: 10px; background: var(--white); }
.form-note { margin-top: 0.8rem; font-size: 0.92rem; }
.form-note.success { color: var(--success); }
.form-note.error { color: var(--error); }
.notice { font-size: 0.88rem; color: var(--slate); background: #fff8e7; border: 1px solid #ead9aa; padding: 1rem; border-radius: 14px; }
.timeline { border-left: 3px solid var(--gold); padding-left: 1.2rem; }
.timeline div { margin-bottom: 1.2rem; }
.badge { display: inline-block; background: #efe4c8; color: var(--navy); border-radius: 999px; padding: 0.25rem 0.65rem; font-size: 0.78rem; font-weight: 800; }

.footer { background: #071522; color: #c9d3dc; padding-block: 3rem 1.5rem; }
.footer-grid { display: grid; grid-template-columns: 1.3fr repeat(3, 1fr); gap: 1.5rem; }
.footer h2, .footer h3, .footer h4 { color: var(--white); margin-top: 0; }
.footer a { display: block; color: #c9d3dc; text-decoration: none; margin-block: 0.35rem; }
.footer a:hover { color: var(--gold); }
.subfooter { border-top: 1px solid rgba(255,255,255,0.12); margin-top: 2rem; padding-top: 1rem; font-size: 0.86rem; color: #9dafbd; }

@media (max-width: 860px) {
  .hero-grid, .grid-3, .grid-2, .footer-grid { grid-template-columns: 1fr; }
  .nav-links { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--cream); padding: 1rem 4%; border-bottom: 1px solid var(--line); flex-direction: column; align-items: flex-start; }
  .nav-links.open { display: flex; }
  .menu-toggle { display: block; }
  .brand img { width: 165px; }
  .hero { padding-block: 4rem; }
  .topbar .container { justify-content: center; text-align: center; }
}