:root{
  --navy:#0b2340;
  --navy-2:#14305c;
  --gold:#c9a24a;
  --gold-2:#b08a34;
  --ink:#1a1a1a;
  --muted:#5a6473;
  --bg:#f6f7f9;
  --line:#e3e7ee;
  --white:#ffffff;
  --shadow:0 10px 30px rgba(11,35,64,.08);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:"Inter","Helvetica Neue",Arial,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--gold-2)}
img{max-width:100%;display:block}
h1,h2,h3,h4{font-family:"Playfair Display","Georgia",serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.2vw,3.4rem);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,2.8vw,2.3rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}

.container{max-width:1160px;margin:0 auto;padding:0 24px}

/* Top bar */
.topbar{background:var(--navy);color:#dbe3f0;font-size:.88rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding-top:8px;padding-bottom:8px;flex-wrap:wrap;gap:8px}
.topbar a{color:#f1d79b}
.topbar a:hover{color:#fff}
.topbar .sep{opacity:.4;margin:0 10px}

/* Header */
.site-header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .container{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:16px}
.brand{display:flex;align-items:center;gap:14px}
.brand img{height:110px;width:auto}
.brand-text{display:none}

.nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}
.nav a{padding:10px 12px;border-radius:6px;color:var(--navy);font-weight:600;font-size:.95rem}
.nav a:hover,.nav a.active{background:#f1f4fa;color:var(--navy-2)}
@media (max-width:900px){
  .site-header .container{flex-wrap:wrap}
  .brand{flex:1 1 auto}
  .nav{flex:1 1 100%;justify-content:flex-start;margin-top:8px}
  .nav a{padding:8px 10px;font-size:.9rem}
}
@media (max-width:520px){
  .brand img{height:80px}
  .topbar{font-size:.78rem}
}
.btn{display:inline-block;padding:12px 22px;border-radius:6px;font-weight:700;letter-spacing:.02em;transition:transform .15s,box-shadow .15s,background .15s;border:none;cursor:pointer;font-size:.95rem}
.btn-primary{background:var(--gold);color:var(--navy);box-shadow:0 6px 16px rgba(201,162,74,.35)}
.btn-primary:hover{background:var(--gold-2);color:#fff;transform:translateY(-1px)}
.btn-outline{background:transparent;color:var(--white);border:2px solid var(--white)}
.btn-outline:hover{background:var(--white);color:var(--navy)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);color:#fff}

/* Hero */
.hero{
  position:relative;
  color:#fff;
  background:
    linear-gradient(120deg,rgba(11,35,64,.92),rgba(11,35,64,.72)),
    url('https://images.unsplash.com/photo-1589829545856-d10d557cf95f?q=80&w=2000&auto=format&fit=crop') center/cover no-repeat;
  padding:96px 0 108px;
}
.hero .eyebrow{color:var(--gold);letter-spacing:.2em;text-transform:uppercase;font-size:.82rem;font-weight:700;margin-bottom:14px}
.hero h1{color:#fff;max-width:820px}
.hero p.lead{font-size:1.15rem;max-width:720px;color:#e6ecf6;margin-bottom:28px}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap}

/* Sections */
section{padding:80px 0}
.section-alt{background:var(--bg)}
.section-title{text-align:center;margin-bottom:14px}
.section-sub{text-align:center;color:var(--muted);max-width:680px;margin:0 auto 48px}

/* Cards grid */
.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
@media (max-width:860px){.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(11,35,64,.12)}
.card .icon{width:46px;height:46px;border-radius:10px;background:linear-gradient(135deg,var(--gold),var(--gold-2));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;margin-bottom:14px;font-family:"Playfair Display",serif;font-size:1.2rem}

/* Stats band */
.stats{background:var(--navy);color:#fff;padding:56px 0}
.stats .grid-3{gap:20px}
.stat{text-align:center}
.stat .num{font-family:"Playfair Display",serif;color:var(--gold);font-size:2.6rem;font-weight:700;line-height:1}
.stat .lbl{margin-top:6px;color:#cfd8e8;letter-spacing:.06em;text-transform:uppercase;font-size:.82rem}

/* Two-column content */
.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media (max-width:860px){.two-col{grid-template-columns:1fr}}
.two-col img{border-radius:12px;box-shadow:var(--shadow)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:64px 0;text-align:center}
.cta-band h2{color:#fff}
.cta-band .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:18px}

/* Alert banner */
.alert{background:#fff8e6;border-left:4px solid var(--gold);padding:18px 22px;border-radius:8px;margin:24px auto;max-width:920px}
.alert strong{color:var(--navy)}

/* Contact blocks */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}
.contact-block{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;text-align:center}
.contact-block .icon{margin:0 auto 14px}
.contact-block a:not(.btn){color:var(--navy);font-weight:600;word-break:break-word}
.contact-block a:not(.btn):hover{color:var(--gold-2)}
.contact-block .btn{margin-top:10px}
.contact-block .btn-primary{color:var(--navy)}
.contact-block .btn-primary:hover{color:#fff}
.contact-block .btn-dark{color:#fff}
.contact-block .btn-dark:hover{color:#fff}

/* Settlements list */
.case{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:26px;margin-bottom:20px}
.case h3{margin-bottom:6px}
.case .amount{color:var(--gold-2);font-weight:700;letter-spacing:.05em;text-transform:uppercase;font-size:.85rem}

/* Footer */
footer{background:#071a32;color:#c7d2e3;padding:56px 0 24px;font-size:.92rem}
footer h4{color:#fff;margin-bottom:14px;font-family:"Inter",sans-serif;font-size:.85rem;letter-spacing:.14em;text-transform:uppercase}
footer a{color:#c7d2e3}
footer a:hover{color:var(--gold)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.foot-brand img{height:54px;margin-bottom:12px;filter:brightness(0) invert(1) opacity(.92)}
.foot-bottom{border-top:1px solid #14304f;padding-top:18px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;color:#8ea0bc;font-size:.85rem}

/* Page header */
.page-head{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:72px 0 56px;text-align:center}
.page-head h1{color:#fff}
.page-head p{color:#cfd8e8;max-width:680px;margin:0 auto}

.check-list{list-style:none;padding:0;margin:0}
.check-list li{position:relative;padding:8px 0 8px 34px;color:var(--ink)}
.check-list li::before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;background:var(--gold);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:.78rem}