:root{
  --navy:#101B2D;
  --navy2:#16263e;
  --ivory:#F7F3EA;
  --white:#fffdfa;
  --text:#172033;
  --muted:#667085;
  --line:#d8d4ca;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.6}
a{color:inherit;text-decoration:none}
.wrap{width:min(1120px,calc(100% - 36px));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,253,250,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(16,27,45,.08)}
.header-inner{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:inline-block;color:var(--navy)}
.brand-main{font-family:Georgia,Times New Roman,serif;font-size:31px;letter-spacing:.12em;line-height:1}
.brand-sub{display:flex;align-items:center;gap:8px;font-size:9px;letter-spacing:.25em;margin-top:8px}
.brand-sub span{width:24px;height:1px;background:var(--navy);opacity:.5}
.header-cta{font-weight:700;border-bottom:1px solid var(--navy)}
.hero{background:linear-gradient(135deg,var(--ivory),#fff 60%);padding:88px 0 72px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.35fr .8fr;gap:64px;align-items:center}
.eyebrow{font-size:12px;font-weight:800;letter-spacing:.16em;color:#53617a;margin:0 0 14px}
h1,h2,h3{color:var(--navy);margin-top:0}
h1{font-family:Georgia,Times New Roman,serif;font-size:clamp(48px,7vw,86px);line-height:.97;letter-spacing:-.035em;margin-bottom:24px;max-width:780px}
h2{font-family:Georgia,Times New Roman,serif;font-size:clamp(34px,5vw,56px);line-height:1.05;margin-bottom:24px}
h3{font-size:22px;margin-bottom:10px}
.lead{font-size:21px;max-width:760px;color:#465267}
.hero-actions,.contact-links{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:999px;font-weight:800;border:1px solid var(--navy);transition:.2s}
.btn:hover{transform:translateY(-1px)}
.primary{background:var(--navy);color:#fff}
.ghost{background:transparent;color:var(--navy)}
.micro{font-size:13px;color:var(--muted);margin-top:18px}
.hero-card{background:var(--navy);color:#fff;border-radius:28px;padding:28px;box-shadow:0 24px 60px rgba(16,27,45,.18)}
.hero-card h2{font-family:inherit;font-size:28px;color:#fff;line-height:1.2}
.hero-card p{color:#d9dfeb}
.mini-label{font-size:11px;letter-spacing:.16em;font-weight:800;color:#c7d5ee;margin-bottom:14px}
.score-row{display:flex;justify-content:space-between;padding:11px 0;border-top:1px solid rgba(255,255,255,.12)}
.section{padding:88px 0}
.alt{background:var(--ivory);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}
.card{padding:26px;border:1px solid var(--line);border-radius:20px;background:#fff;min-height:190px}
.card p{color:#5e6879}
.split{display:grid;grid-template-columns:1fr .8fr;gap:70px;align-items:center}
blockquote{margin:0;font-family:Georgia,Times New Roman,serif;font-size:36px;line-height:1.25;color:var(--navy);border-left:3px solid var(--navy);padding-left:28px}
.contact{text-align:center}
.contact-box{max-width:820px}
footer{background:var(--navy);color:#fff;padding:32px 0 86px}
.footer-inner{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer nav{display:flex;gap:18px;flex-wrap:wrap}
.ticker{position:fixed;left:0;right:0;bottom:0;z-index:60;background:#0b1422;color:#fff;border-top:1px solid rgba(255,255,255,.12);overflow:hidden;white-space:nowrap}
.ticker-track{display:flex;gap:18px;align-items:center;min-height:46px;padding:0 18px;font-size:13px;letter-spacing:.02em}
.legal{padding:64px 0 110px}
.legal h1{font-size:48px}
.legal p,.legal li{max-width:800px}
@media(max-width:850px){
  .hero{padding-top:58px}
  .hero-grid,.split{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .hero-grid{gap:34px}
}
@media(max-width:560px){
  .wrap{width:min(100% - 28px,1120px)}
  .header-inner{min-height:70px}
  .brand-main{font-size:27px}
  .header-cta{font-size:14px}
  .cards{grid-template-columns:1fr}
  .section{padding:62px 0}
  .hero-card{border-radius:22px}
  blockquote{font-size:29px}
}