:root{
  --navy:#06162e; --navy2:#0b2345; --gold:#d9a72e; --gold2:#f4cf67;
  --white:#fff; --muted:#b8c2d1; --dark:#07111f; --line:rgba(217,167,46,.35);
  --shadow:0 20px 60px rgba(0,0,0,.25); --radius:18px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:#182338;background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}.container{width:min(1180px,92%);margin:auto}.topbar{background:#020a15;color:#dbe2ee;display:flex;justify-content:space-between;padding:8px 4%;font-size:12px}
.header{position:sticky;top:0;z-index:100;background:rgba(5,20,41,.97);border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;padding:12px 4%;box-shadow:0 8px 30px rgba(0,0,0,.15)}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-size:12px;letter-spacing:1px;line-height:1.1}.brand img{width:58px;height:58px;object-fit:contain}.brand b{color:var(--gold2)}
.nav{display:flex;gap:22px;align-items:center;color:#eaf0f8;font-size:14px}.nav a:hover{color:var(--gold2)}.nav-cta{padding:10px 18px;border:1px solid var(--gold);border-radius:30px;color:#07111f!important;background:var(--gold2)}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:28px}
.hero{min-height:720px;display:flex;align-items:center;position:relative;background:radial-gradient(circle at 75% 45%,#1b4777 0,#0b2548 28%,#030d1b 72%);overflow:hidden;color:#fff}
.hero:after{content:"";position:absolute;inset:auto -10% -40% 40%;height:600px;background:radial-gradient(circle,rgba(244,207,103,.25),transparent 60%);transform:rotate(-15deg)}
.hero-content{position:relative;z-index:2;padding:100px 0}.eyebrow,.section-kicker{color:var(--gold2);font-weight:800;letter-spacing:2px;font-size:13px}.hero h1{font-size:clamp(46px,7vw,88px);line-height:.98;margin:18px 0;max-width:800px;letter-spacing:-2px}.hero h1 span{color:var(--gold2)}.hero p{font-size:20px;color:#dce5f1;max-width:650px}.hero-actions{display:flex;gap:14px;margin:30px 0;flex-wrap:wrap}.btn{display:inline-block;border:0;border-radius:8px;padding:14px 24px;font-weight:800;cursor:pointer;text-transform:uppercase;letter-spacing:.6px}.btn-gold{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#091426;box-shadow:0 10px 30px rgba(217,167,46,.2)}.btn-outline{border:1px solid #d9e1ec;color:#fff}.btn-dark{background:var(--navy);color:#fff}.hero-trust{display:flex;gap:20px;flex-wrap:wrap;color:#cbd5e3;font-size:13px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;box-shadow:var(--shadow);position:relative;z-index:4;width:min(1080px,90%);margin:-45px auto 0;border-radius:14px;padding:25px;text-align:center}.stat-number{font-size:30px;font-weight:900;color:var(--gold)}
.section{padding:100px 0}.section.dark{background:var(--navy);color:#fff}.section h2{font-size:clamp(34px,4vw,52px);line-height:1.1;margin:12px 0 22px}.section p{color:#637084}.dark p{color:#b9c6d7}.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:center}.text-link{color:#a87500;font-weight:800}.vision-card{background:linear-gradient(145deg,#0a1e3a,#061327);color:#fff;border:1px solid var(--line);padding:42px;border-radius:var(--radius);box-shadow:var(--shadow)}.vision-card p{color:#c5d0df}.gold-icon{font-size:40px;color:var(--gold2)}.divider{height:1px;background:var(--line);margin:30px 0}
.center-heading{text-align:center;max-width:750px;margin:0 auto 50px}.center-heading p{margin:auto}.category-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}.category-card{padding:25px 18px;border:1px solid var(--line);border-radius:14px;background:linear-gradient(145deg,#0e2b50,#08182e);min-height:190px;transition:.25s}.category-card:hover{transform:translateY(-6px);border-color:var(--gold2)}.category-icon{font-size:36px}.category-card h3{margin:12px 0 5px;font-size:17px;color:var(--gold2)}.category-card p{font-size:13px;margin:0}
.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.process-grid article{padding:30px;border:1px solid #e3e8ef;border-radius:14px;background:#fff;box-shadow:0 10px 30px rgba(20,35,55,.07)}.process-grid span{color:var(--gold);font-size:14px;font-weight:900}.process-grid h3{margin:8px 0}.gold-panel{background:#f7f2e5}.benefit-list{display:grid;grid-template-columns:1fr 1fr;gap:15px}.benefit-list div{padding:22px;background:#fff;border:1px solid #eadcb4;border-radius:12px}.benefit-list small{display:block;color:#6d7684;margin-top:4px}
.form-wrap{max-width:850px}.application-form,.contact-form{display:grid;gap:16px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{font-weight:700;font-size:14px}input,select,textarea{display:block;width:100%;margin-top:7px;padding:13px 14px;border:1px solid #d7dee8;border-radius:8px;font:inherit;background:#fff}textarea{resize:vertical}.check{display:flex;gap:10px;align-items:center;font-weight:500}.check input{width:auto;margin:0}.form-message{min-height:24px;font-weight:700;color:#8a6200}
.narrow{max-width:850px}.faq{display:grid;gap:10px}.faq details{background:#0b2345;border:1px solid var(--line);border-radius:10px;padding:18px 20px}.faq summary{cursor:pointer;font-weight:800;color:#fff}.faq p{margin:12px 0 0}.contact-form{background:#f7f9fc;padding:28px;border-radius:14px}
.cta{padding:90px 0;text-align:center;color:#fff;background:linear-gradient(120deg,#07172e,#102f55);position:relative}.cta h2{font-size:clamp(38px,5vw,65px);margin:12px}.cta p{color:#c7d2df}
.footer{background:#020a15;color:#aeb9c9;padding:60px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}.footer h4{color:#fff}.footer a{display:block;margin:7px 0}.footer-logo{width:95px;height:95px;object-fit:contain}.footer p{font-size:13px}
@media(max-width:900px){.nav{display:none}.nav.open{display:flex;position:absolute;top:100%;left:0;right:0;background:#06162e;flex-direction:column;padding:22px}.menu-toggle{display:block}.category-grid{grid-template-columns:repeat(2,1fr)}.two-col{grid-template-columns:1fr}.process-grid{grid-template-columns:1fr 1fr}.stats{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.topbar{display:none}.hero{min-height:650px}.hero-content{padding:70px 0}.hero h1{font-size:48px}.stats{grid-template-columns:1fr 1fr;padding:15px}.section{padding:70px 0}.category-grid,.process-grid,.benefit-list,.form-row,.footer-grid{grid-template-columns:1fr}.brand span{display:none}}