@font-face{font-family:"Montserrat";font-style:normal;font-display:swap;font-weight:100 900;src:url(fonts/montserrat-latin-ext-wght-normal.woff2) format("woff2");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Montserrat";font-style:normal;font-display:swap;font-weight:100 900;src:url(fonts/montserrat-latin-wght-normal.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}

:root{
  --navy:#001427; --navy-2:#0B2440;
  --cream:#F3EBDD; --paper:#FAF7F1; --white:#FFFFFF;
  --gold:#C9A45C; --gold-dark:#7A5A22;
  --ink:#1D1F24; --muted:#4A4F57; --line:#E6DDCB;
  --radius:18px; --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Montserrat",system-ui,sans-serif;color:var(--ink);background:var(--paper);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--gold-dark)}
h1,h2,h3{color:var(--navy);line-height:1.15;margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.section{padding:88px 0}
.section.alt{background:var(--cream)}
.section.dark{background:var(--navy);color:var(--cream)}
.section.dark h2,.section.dark h3{color:var(--cream)}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:14px}
.dark .eyebrow{color:var(--gold)}
.lead{font-size:1.2rem;color:var(--muted);max-width:720px}
.dark .lead{color:#D9D1C0}
.head{margin-bottom:48px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(250,247,241,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo svg{width:40px;height:40px;flex:none}
.logo-text{display:flex;flex-direction:column;line-height:1}
.logo-word{font-size:1.5rem;color:var(--navy);font-weight:400;letter-spacing:-.01em}
.logo-word b{color:var(--gold-dark);font-weight:700}
.logo-sub{font-size:.55rem;letter-spacing:.32em;color:var(--muted);margin-top:5px;font-weight:500}
.dark-logo .logo-word{color:var(--cream)}
.dark-logo .logo-word b{color:var(--gold)}
.dark-logo .logo-sub{color:#D8C9A6}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:6px;align-items:center}
nav a{display:block;padding:10px 14px;border-radius:10px;text-decoration:none;color:var(--navy);font-weight:500;font-size:.95rem}
nav a:hover{background:var(--cream)}
nav a[aria-current="page"]{color:var(--gold-dark);font-weight:700}
nav a.btn{color:var(--cream);margin-left:8px}
.menu-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer;color:var(--navy)}

/* Buttons */
.btn{display:inline-block;background:var(--navy);color:var(--cream);padding:14px 26px;border-radius:12px;text-decoration:none;font-weight:600;border:2px solid var(--navy);transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px);background:var(--navy-2)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.gold:hover{background:#D6B46E}
.btn.ghost{background:transparent;color:var(--navy)}
.dark .btn.ghost,.hero .btn.ghost,.page-hero .btn.ghost,.cta .btn.ghost{color:var(--cream);border-color:rgba(243,235,221,.6)}
.dark .btn.ghost:hover,.hero .btn.ghost:hover,.cta .btn.ghost:hover{background:rgba(243,235,221,.08)}
.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}

/* Hero */
.hero{background:var(--navy);color:var(--cream);padding:110px 0 120px;position:relative;overflow:hidden}
.hero h1{color:var(--cream);max-width:820px}
.hero .lead{color:#D9D1C0}
.hero .slogan{color:var(--gold);font-weight:600;font-size:1.1rem;margin-bottom:22px;display:block}
.hero-mark{position:absolute;right:-60px;top:50%;transform:translateY(-50%);width:440px;height:440px;opacity:.07}
.page-hero{background:var(--navy);color:var(--cream);padding:80px 0}
.page-hero h1{color:var(--cream);font-size:clamp(2rem,4.4vw,3rem)}
.page-hero .lead{color:#D9D1C0}

/* Cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:32px}
.card p{color:var(--muted);margin:0}
.card .ico{width:44px;height:44px;color:var(--gold-dark);margin-bottom:18px}
.card.row{display:flex;gap:22px;align-items:flex-start}
.card.row .ico{margin:0;flex:none}
.card a.more{display:inline-block;margin-top:14px;font-weight:600;text-decoration:none}

/* Steps */
.step{border-top:4px solid var(--gold);padding-top:24px}
.step .num{font-size:2.6rem;font-weight:700;color:var(--gold-dark);line-height:1;margin-bottom:14px}
.step p{color:var(--muted)}
.dark .step p{color:#D9D1C0}
.dark .step .num{color:var(--gold)}

/* Coverage bars */
.bars{display:grid;gap:28px;margin:8px 0 36px}
.bar-label{color:var(--gold);margin-bottom:10px;font-weight:500}
.bar{height:68px;border-radius:12px;display:flex;align-items:center;padding:0 24px;font-weight:700;font-size:1.25rem;color:var(--navy)}
.bar.full{background:var(--gold);width:100%}
.bar.part{background:var(--cream);width:63.5%}

/* Tables */
.table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--line);background:var(--white)}
table{width:100%;border-collapse:collapse;min-width:620px}
th,td{padding:16px 20px;text-align:left;vertical-align:top}
thead th{background:var(--navy);color:var(--cream);font-weight:600}
thead th.hl{color:var(--gold)}
tbody tr:nth-child(even){background:#F7F2E8}
td.num,th.num{text-align:right;white-space:nowrap}
tr.total td{background:var(--navy);color:var(--cream);font-weight:700}
tr.total td.hl{color:var(--gold)}
.note{font-size:.85rem;color:var(--muted);margin-top:14px}
.check{color:#1E6B4F;font-weight:600}

/* Pricing models */
.model{display:flex;flex-direction:column;gap:10px}
.model .tag{font-size:.78rem;font-weight:700;letter-spacing:.18em;color:var(--gold-dark)}
.model.featured{background:var(--navy);border-color:var(--navy)}
.model.featured h3{color:var(--cream)}
.model.featured .tag{color:var(--gold)}
.model.featured p{color:#D9D1C0}

/* CTA band */
.cta{background:var(--navy);color:var(--cream);border-radius:28px;padding:64px;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta h2{color:var(--cream);margin:0 0 8px}
.cta p{color:var(--gold);margin:0;font-size:1.1rem}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:40px;align-items:start}
.contact-list{display:grid;gap:16px}
.contact-item{display:flex;gap:16px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:20px 22px;text-decoration:none;color:var(--ink)}
.contact-item .ico{width:28px;height:28px;color:var(--gold-dark);flex:none}
.contact-item small{display:block;color:var(--muted);font-size:.8rem}
.contact-item strong{color:var(--navy)}
form.card{display:grid;gap:18px}
label{font-weight:600;font-size:.92rem;color:var(--navy);display:block;margin-bottom:6px}
input,textarea,select{width:100%;font:inherit;padding:13px 14px;border:1px solid #D6CCB8;border-radius:10px;background:var(--paper);color:var(--ink)}
input:focus,textarea:focus,select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
textarea{min-height:140px;resize:vertical}
.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted)}
.consent input{width:auto;margin-top:5px}
.hp{position:absolute;left:-9999px}
form .btn{border:0;cursor:pointer;font-size:1rem;justify-self:start}

/* Prose (legal) */
.prose{max-width:780px}
.prose h2{font-size:1.4rem;margin-top:1.6em}

/* Footer */
.site-footer{background:var(--navy);color:#B9B0A0;padding:64px 0 32px;font-size:.92rem}
.site-footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
.site-footer h4{color:var(--cream);margin:0 0 14px;font-size:.95rem}
.site-footer a{color:#D8C9A6;text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.site-footer .slogan{color:var(--gold);margin-top:18px;font-weight:500}
.site-footer .legal{border-top:1px solid #1E3350;padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.82rem}

/* Responsive */
@media (max-width:960px){
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:1fr 1fr}
  .contact-grid,.site-footer .cols{grid-template-columns:1fr}
}
@media (max-width:760px){
  body{font-size:16px}
  .section{padding:64px 0}
  .hero{padding:72px 0 80px}
  .g2,.g3,.g4,.two{grid-template-columns:1fr}
  .menu-toggle{display:block}
  nav ul{display:none;position:absolute;top:76px;left:0;right:0;background:var(--paper);flex-direction:column;align-items:stretch;padding:12px 16px 20px;border-bottom:1px solid var(--line)}
  nav ul.open{display:flex}
  nav a.btn{margin:8px 0 0;text-align:center}
  .cta{padding:40px 28px}
  .card{padding:26px}
  .wrap{padding:0 16px}
  .hero-mark{display:none}
  table{min-width:0;font-size:.82rem}
  th,td{padding:12px 10px}
  td.num,th.num{white-space:normal}
}
.site-footer .disclaimer{font-size:.78rem;color:#8E8778;margin:0 0 18px}
.prose ul{padding-left:22px;margin:0 0 1em}
.prose li{margin-bottom:.4em}