:root{--navy:#0b1f3a;--gold:#c49a2c;--cream:#fff8e8;--light:#f5f7fa;--text:#1f2937;--muted:#667085;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.65;background:#fff}a{text-decoration:none;color:inherit}
header{background:var(--navy);color:white;position:sticky;top:0;z-index:10;box-shadow:0 3px 14px rgba(0,0,0,.18)}
.nav{max-width:1180px;margin:auto;padding:16px 22px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.logo{font-size:22px;font-weight:800;letter-spacing:.3px}.logo span{color:var(--gold)}
.nav-links{display:flex;flex-wrap:wrap;gap:18px;font-size:14px;font-weight:700}.nav-links a:hover{color:var(--gold)}
.hero{min-height:620px;display:flex;align-items:center;color:white;background:linear-gradient(rgba(11,31,58,.78),rgba(11,31,58,.78)),url('https://images.unsplash.com/photo-1589820296156-2454bb8a6ad1?auto=format&fit=crop&w=1600&q=80');background-size:cover;background-position:center}
.hero-inner{max-width:1180px;margin:auto;padding:70px 22px}.hero h1{max-width:820px;font-size:54px;line-height:1.08;margin:0 0 18px}.hero p{max-width:740px;font-size:20px;margin-bottom:28px}
.btn{display:inline-block;border-radius:8px;padding:13px 22px;margin:6px 8px 6px 0;font-weight:800}.btn-gold{background:var(--gold);color:#111}.btn-outline{border:2px solid white;color:white}
.section{padding:70px 22px}.container{max-width:1180px;margin:auto}.section-title{text-align:center;margin-bottom:38px}.section-title h2{margin:0;color:var(--navy);font-size:36px}.section-title p{color:var(--muted);max-width:760px;margin:10px auto}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.two{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}
.card{background:white;border:1px solid #e6e8ec;border-radius:16px;padding:26px;box-shadow:0 8px 24px rgba(16,24,40,.07)}.card h3{color:var(--navy);margin-top:0}
.bg-light{background:var(--light)}.bg-cream{background:var(--cream)}.badge{display:inline-block;background:rgba(196,154,44,.15);color:var(--gold);padding:7px 13px;border-radius:999px;font-weight:800;font-size:13px;margin-bottom:13px}
ul.check{list-style:none;padding:0}ul.check li{position:relative;padding-left:30px;margin:12px 0}ul.check li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.form{background:white;border-radius:16px;padding:28px;box-shadow:0 8px 24px rgba(16,24,40,.08)}label{font-weight:800;font-size:14px}input,select,textarea{width:100%;padding:12px;border:1px solid #d0d5dd;border-radius:8px;margin:7px 0 16px;font-size:15px}textarea{min-height:120px}
footer{background:var(--navy);color:white;padding:42px 22px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.notice{background:#fff7ed;border-left:5px solid var(--gold);padding:18px;border-radius:10px}
@media(max-width:900px){.nav{flex-direction:column}.nav-links{justify-content:center}.hero h1{font-size:38px}.grid,.two,.footer-grid{grid-template-columns:1fr}}