*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{color:#1a1a2e;background:#fff;font-family:Segoe UI,system-ui,-apple-system,sans-serif;line-height:1.7}a{color:inherit;text-decoration:none}ul{list-style:none}:root{--navy:#0f1f3d;--blue:#1a3a6b;--accent:#c9a84c;--light:#f4f6fa;--mid:#e8ecf4;--text:#1a1a2e;--muted:#5a6278;--white:#fff;--radius:8px;--shadow:0 4px 24px #0f1f3d1a}.container{max-width:1140px;margin:0 auto;padding:0 24px}nav{z-index:100;background:var(--navy);color:#fff;padding:16px 0;position:sticky;top:0}.nav-inner{justify-content:space-between;align-items:center;display:flex}.nav-logo{letter-spacing:-.02em;font-size:1.3rem;font-weight:700}.nav-logo span{color:var(--accent)}.nav-links{gap:28px;font-size:.92rem;display:flex}.nav-links a:hover{color:var(--accent)}section{padding:80px 0}section:nth-child(2n){background:var(--light)}.section-label{letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:10px;font-size:.75rem;font-weight:700}h2{color:var(--navy);margin-bottom:16px;font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700}h3{color:var(--navy);margin-bottom:8px;font-size:1.1rem;font-weight:700}.lead{color:var(--muted);max-width:680px;margin-bottom:48px;font-size:1.05rem}.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:32px;display:grid}.grid-3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;display:grid}.card{background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);padding:32px}.card-icon{margin-bottom:12px;font-size:2rem}.testimonial{background:var(--white);border-left:4px solid var(--accent);border-radius:0 var(--radius) var(--radius) 0;box-shadow:var(--shadow);padding:28px 32px}.testimonial blockquote{color:var(--text);margin-bottom:12px;font-size:1.02rem;font-style:italic;line-height:1.8}.testimonial footer{color:var(--muted);font-size:.9rem}.testimonial footer strong{color:var(--navy)}.cta-section{text-align:center}.btn{border-radius:var(--radius);padding:14px 32px;font-size:.95rem;font-weight:700;transition:background .2s;display:inline-block}.btn-primary{background:var(--accent);color:var(--navy)}.btn-primary:hover{background:#d4b45a}footer{background:var(--navy);color:#fff;text-align:center;padding:32px 0;font-size:.85rem}footer a{color:var(--accent)}@media (max-width:640px){.nav-links{display:none}section{padding:48px 0}}