:root {
  --navy: #0d1526;
  --navy-light: #16213a;
  --gold: #b9924f;
  --gold-dark: #96773e;
  --text: #202124;
  --text-muted: rgba(0, 0, 0, 0.64);
  --border: #e0e0e0;
  --max-width: 1100px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: Arial, sans-serif;
  color: var(--text);
  line-height: 1.6;
  background: #fff;
}

h1, h2, h3 {
  font-family: Arial, sans-serif;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 16px;
}

a { color: var(--gold-dark); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; display: block; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* Header / Nav */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.nav-brand {
  display: flex;
  align-items: center;
  margin: 0 auto 0 0;
}

.nav-brand img { height: 38px; width: auto; }

.nav-links {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 20px;
  margin: 0;
  padding: 0;
}

.nav-links a {
  color: rgba(255, 255, 255, 0.82);
  font-size: 14px;
}

.nav-links a.active,
.nav-links a:hover {
  color: var(--gold);
  text-decoration: none;
}

.nav-more { position: relative; }

.nav-more-list {
  display: none;
  position: absolute;
  right: 0;
  top: 100%;
  background: var(--navy-light);
  list-style: none;
  margin: 0;
  padding: 8px 0;
  min-width: 240px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.35);
}

.nav-more:hover .nav-more-list,
.nav-more:focus-within .nav-more-list {
  display: block;
}

.nav-more-list li a {
  display: block;
  padding: 8px 18px;
  white-space: nowrap;
}

/* Hero */
.hero {
  position: relative;
  min-height: 320px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-size: cover;
  background-position: center;
  text-align: center;
  padding: 40px 24px;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(10, 15, 28, 0.55);
}

.hero h1 {
  position: relative;
  color: #fff;
  font-weight: 600;
  font-size: 40px;
  max-width: 800px;
}


/* Sections */
.section { padding: 56px 0; }

.section.alt { background: #f7f6f3; }

.section p { max-width: 760px; }

ul.value-list, ul.plain-list {
  padding-left: 20px;
  max-width: 780px;
}

ul.value-list li, ul.plain-list li { margin-bottom: 14px; }

ol.steps {
  padding-left: 20px;
  max-width: 780px;
}

ol.steps li { margin-bottom: 16px; }

.btn {
  display: inline-block;
  background: var(--gold);
  color: #fff;
  padding: 12px 28px;
  border-radius: 4px;
  font-size: 15px;
  margin-top: 8px;
  margin-right: 12px;
}

.btn:hover { background: var(--gold-dark); text-decoration: none; }

/* Team */
.team-item {
  border-top: 1px solid var(--border);
  padding: 24px 0;
}

.team-item:first-of-type { border-top: none; }

.team-item h3 { font-size: 20px; margin-bottom: 10px; }

.team-title {
  font-size: 15px;
  font-weight: normal;
  color: var(--text-muted);
}

/* FAQ */
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}

.faq-item h3 { font-size: 18px; margin-bottom: 8px; }

/* Contact */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}

.contact-grid address { font-style: normal; }
.contact-grid p { margin: 4px 0; }

@media (max-width: 720px) {
  .hero h1 { font-size: 28px; }
  .contact-grid { grid-template-columns: 1fr; }
  .nav-more-list { position: static; box-shadow: none; }
}

/* Footer */
.site-footer {
  background: var(--navy);
  padding: 40px 0;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.65);
}

.site-footer p { margin: 0 0 6px; }

.footer-disclaimers { margin-top: 20px; max-width: 900px; font-style: italic; }