:root{
  --blue:#a9d6e5;
  --blue-deep:#3f78a8;
  --navy:#17375e;
  --gold:#c79a35;
  --gold-light:#ead79b;
  --cream:#fffdf7;
  --white:#ffffff;
  --text:#243447;
  --soft:#f4f9fc;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Arial, Helvetica, sans-serif;
  color:var(--text);
  background:var(--white);
  line-height:1.6;
}
.container{width:min(1120px,92%);margin:0 auto}
.site-header{
  position:sticky;top:0;z-index:20;
  background:rgba(255,255,255,.95);
  border-bottom:1px solid #e8eef2;
  backdrop-filter:blur(10px);
}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}
.brand img{width:82px;height:82px;object-fit:contain}
nav{display:flex;gap:28px}
nav a{color:var(--navy);text-decoration:none;font-weight:700}
.btn{
  display:inline-block;padding:14px 22px;border-radius:999px;
  background:linear-gradient(135deg,var(--gold),#e6c66c);
  color:#112b4b;text-decoration:none;font-weight:800;
  box-shadow:0 8px 20px rgba(199,154,53,.18)
}
.btn-small{padding:10px 16px}
.btn-outline{background:transparent;border:2px solid var(--gold);box-shadow:none}
.hero{
  background:
    radial-gradient(circle at 12% 10%, rgba(169,214,229,.55), transparent 34%),
    linear-gradient(135deg,#fff 0%,#f8fcff 62%,#eef7fb 100%);
  padding:84px 0 70px;
}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:58px}
.eyebrow{text-transform:uppercase;letter-spacing:.15em;color:var(--blue-deep);font-weight:800;font-size:.83rem}
h1,h2,h3{font-family:Georgia, "Times New Roman", serif;color:var(--navy);line-height:1.08}
h1{font-size:clamp(3rem,7vw,5.8rem);margin:.2em 0}
h1 span{color:var(--gold)}
h2{font-size:clamp(2rem,4vw,3.3rem);margin:.25em 0 .5em}
h3{font-size:1.35rem}
.lead{font-size:1.17rem;max-width:680px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 14px}
.note{font-weight:800;color:var(--blue-deep)}
.hero-card{
  background:rgba(255,255,255,.88);border:1px solid #e6edf1;border-radius:28px;
  padding:36px;text-align:center;box-shadow:0 24px 60px rgba(38,88,120,.13)
}
.hero-card img{width:min(330px,95%);border-radius:20px}
.hero-card h2{font-size:1.8rem}
.trust-strip{background:var(--navy);color:#fff;padding:24px 0}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.trust-grid div{display:flex;flex-direction:column}
.trust-grid strong{color:var(--gold-light);font-size:1.05rem}
.trust-grid span{font-size:.92rem;opacity:.9}
.section{padding:82px 0}
.section-soft{background:var(--soft)}
.two-col{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:32px}
.card{
  background:#fff;border:1px solid #e4edf2;border-radius:20px;padding:28px;
  box-shadow:0 14px 34px rgba(38,88,120,.08)
}
.icon{
  width:48px;height:48px;border-radius:50%;display:grid;place-items:center;
  background:var(--blue);color:var(--navy);font-weight:900;border:2px solid var(--gold)
}
.callout{
  background:linear-gradient(135deg,#eff8fc,#fff9e8);
  border:1px solid #e5edf0;border-radius:26px;padding:42px;
  display:grid;grid-template-columns:1fr auto;align-items:center;gap:30px
}
.faq-wrap{max-width:900px}
details{background:#fff;border:1px solid #dfe9ef;border-radius:14px;padding:18px 20px;margin:12px 0}
summary{cursor:pointer;font-weight:800;color:var(--navy)}
.contact-section{background:linear-gradient(135deg,var(--navy),#284f78);color:#fff}
.contact-section h2,.contact-section .eyebrow{color:#fff}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.contact-card{background:#fff;border-radius:20px;padding:28px;color:var(--text)}
.contact-card a,.contact-card p{display:flex;flex-direction:column;padding:15px 0;border-bottom:1px solid #edf1f3;text-decoration:none;color:var(--text)}
.contact-card span{font-size:.82rem;text-transform:uppercase;color:var(--blue-deep);font-weight:800;letter-spacing:.08em}
.contact-card strong{font-size:1.06rem;overflow-wrap:anywhere}
footer{background:#0e2947;color:#dfe9f3;padding:34px 0}
.footer-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.legal{text-align:right;font-size:.85rem;opacity:.8}
@media (max-width:820px){
  nav{display:none}
  .hero-grid,.two-col,.cards,.contact-grid,.footer-grid,.callout,.trust-grid{grid-template-columns:1fr}
  .hero{padding-top:48px}
  .hero-card{order:-1}
  .hero-card img{width:240px}
  .legal{text-align:left}
  .callout{padding:28px}
}

.owner-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:52px;align-items:center}
.owner-photo img{width:100%;border-radius:24px;box-shadow:0 20px 50px rgba(38,88,120,.14)}
footer a{color:var(--gold-light)}
.policy-page{max-width:900px;margin:0 auto;padding:70px 0}
.policy-page h1{font-size:3rem}
.policy-page h2{font-size:1.65rem;margin-top:2rem}
@media (max-width:820px){.owner-grid{grid-template-columns:1fr}}