:root{
  --navy:#0f2a4a; --navy-700:#143a66; --red:#b42b2b; --gold:#d9a441;
  --bg:#f7f8fa; --surface:#ffffff; --text:#1c2430; --muted:#5b6673; --line:#e3e7ec;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
a{color:inherit}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.narrow{max-width:720px}

.site-header{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;font-size:1.1rem;color:var(--navy);letter-spacing:-.01em}
.nav{display:flex;align-items:center;gap:20px;font-weight:500}
.nav a{text-decoration:none;color:var(--muted)}
.nav a:hover{color:var(--navy)}

.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-700) 60%,#1b4d85 100%);color:#fff;padding:88px 0 96px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:rgba(217,164,65,.14)}
.hero-inner{max-width:760px;position:relative}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--gold);margin:0 0 14px}
h1{font-size:clamp(2.1rem,5vw,3.4rem);line-height:1.1;margin:0 0 20px;letter-spacing:-.02em;font-weight:800}
.lede{font-size:1.15rem;color:rgba(255,255,255,.88);margin:0 0 30px;max-width:640px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}

.btn{display:inline-block;padding:12px 20px;border-radius:8px;font-weight:600;text-decoration:none;border:2px solid transparent;transition:.15s}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{background:#9a2323}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-fb{background:#1877f2;color:#fff !important;padding:9px 14px;font-size:.92rem}
.btn-fb:hover{background:#145fc4}

.section{padding:72px 0}
.section-alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(1.6rem,3vw,2.1rem);margin:0 0 28px;color:var(--navy);letter-spacing:-.01em}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:26px;border-top:4px solid var(--gold)}
.card h3{margin:0 0 10px;font-size:1.15rem;color:var(--navy)}
.card p{margin:0;color:var(--muted)}

.site-footer{padding:36px 0;color:var(--muted);font-size:.9rem;text-align:center}
.disclaimer{font-weight:600;color:var(--text);margin:0 0 6px}
.fine{margin:0}

@media (max-width:640px){
  .nav a:not(.btn-fb){display:none}
  .hero{padding:64px 0 72px}
}