@import url('https://fonts.googleapis.com/css2?family=Calibri:wght@400;700&family=Trebuchet+MS:wght@400;700&display=swap');

*{box-sizing:border-box;margin:0;padding:0;}

:root{
  --navy:#1a1a8c;
  --navy-mid:#22229e;
  --navy-light:#2e2eb0;
  --gold:#f5c800;
  --gold-light:#ffd700;
  --gold-pale:#fffbe6;
  --steel:#4a5abf;
  --slate:#8a91c4;
  --off-white:#f4f5fb;
  --white:#ffffff;
  --text-dark:#12126b;
  --text-mid:#2e3580;
  --text-muted:#5a6299;
  --radius:4px;
  --radius-lg:8px;
  --transition:0.25s ease;
}

html{scroll-behavior:smooth;}
body{font-family:'Calibri','Trebuchet MS','Gill Sans',Calibri,sans-serif;color:var(--text-dark);background:var(--white);overflow-x:hidden;line-height:1.7;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}

/* ── TYPOGRAPHY ── */
h1,h2,h3,h4{font-family:'Calibri','Trebuchet MS',sans-serif;font-weight:700;line-height:1.2;}
p{line-height:1.8;}

/* ── UTILITY ── */
.container{max-width:1200px;margin:0 auto;padding:0 40px;}
.section{padding:100px 0;}
.section-sm{padding:60px 0;}
.tag{display:inline-block;font-size:14px;letter-spacing:3px;text-transform:uppercase;color:var(--gold-light);font-weight:700;margin-bottom:16px;font-family:'Calibri',sans-serif;}
.tag-border{border:1px solid rgba(245,200,0,0.5);color:var(--gold-light);padding:6px 14px;border-radius:2px;}
.section-h2{font-size:38px;font-weight:700;color:var(--text-dark);margin-bottom:18px;}
.section-h2.white{color:var(--white);}
.section-lead{font-size:17px;color:var(--text-mid);font-weight:400;max-width:560px;line-height:1.8;}
.section-lead.center{text-align:center;margin:0 auto;}
.text-center{text-align:center;}
.text-gold{color:var(--gold-light);}

/* ── BUTTONS ── */
.btn{display:inline-block;padding:12px 28px;font-size:17px;font-weight:700;border-radius:var(--radius);letter-spacing:0.3px;transition:var(--transition);font-family:'Calibri',sans-serif;}
.btn-primary{background:var(--gold);color:var(--navy);}
.btn-primary:hover{background:var(--gold-light);}
.btn-outline-light{border:1px solid rgba(255,255,255,0.25);color:rgba(255,255,255,0.85);}
.btn-outline-light:hover{border-color:var(--gold-light);color:var(--gold-light);}
.btn-outline-dark{border:1px solid rgba(26,26,140,0.3);color:var(--text-dark);}
.btn-outline-dark:hover{border-color:var(--gold);color:var(--navy);}
.btn-lg{padding:15px 36px;font-size:16px;}

/* ── NAVBAR ── */
.navbar{background:var(--navy);position:sticky;top:0;z-index:1000;border-bottom:1px solid rgba(255,255,255,0.06);}
.navbar-inner{display:flex;align-items:center;justify-content:space-between;height:68px;}
.nav-logo{display:flex;align-items:center;gap:12px;}
.logo-mark{width:36px;height:36px;background:var(--gold);border-radius:2px;display:flex;align-items:center;justify-content:center;font-family:'Calibri',sans-serif;font-weight:700;color:var(--navy);font-size:20px;flex-shrink:0;}
.logo-text-wrap .logo-name{font-family:'Calibri',sans-serif;font-weight:700;color:var(--white);font-size:20px;letter-spacing:0.3px;display:block;line-height:1.2;}
.logo-text-wrap .logo-tagline{font-size:13px;color:var(--slate);letter-spacing:2px;text-transform:uppercase;font-family:'Calibri',sans-serif;}
.nav-links{display:flex;gap:0;list-style:none;align-items:center;}
.nav-links > li{position:relative;}
.nav-links > li > a{display:block;padding:24px 16px;color:rgba(255,255,255,0.72);font-size:17px;font-family:'Calibri',sans-serif;font-weight:400;letter-spacing:0.3px;transition:color var(--transition);}
.nav-links > li > a:hover,.nav-links > li > a.active{color:var(--gold-light);}
.nav-links > li > a.active::after{content:'';position:absolute;bottom:0;left:16px;right:16px;height:2px;background:var(--gold);}
.dropdown{position:absolute;top:100%;left:0;background:var(--navy-mid);border:1px solid rgba(255,255,255,0.07);border-top:2px solid var(--gold);min-width:230px;opacity:0;pointer-events:none;transform:translateY(8px);transition:all var(--transition);border-radius:0 0 var(--radius) var(--radius);}
.nav-links > li:hover .dropdown{opacity:1;pointer-events:all;transform:translateY(0);}
.dropdown a{display:block;padding:11px 20px;font-size:17px;font-family:'Calibri',sans-serif;color:rgba(255,255,255,0.65);border-bottom:1px solid rgba(255,255,255,0.05);}
.dropdown a:last-child{border-bottom:none;}
.dropdown a:hover{color:var(--gold-light);background:rgba(255,255,255,0.04);}
.dropdown-arrow{font-size:15px;margin-left:4px;opacity:0.5;}
.nav-cta{margin-left:16px;}

/* ── PAGE HERO ── */
.page-hero{background:var(--navy);padding:80px 0 70px;position:relative;overflow:hidden;}
.page-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);opacity:0.4;}
.page-hero-content{position:relative;z-index:1;}
.breadcrumb{display:flex;gap:8px;align-items:center;margin-bottom:20px;}
.breadcrumb a{font-size:16px;color:rgba(255,255,255,0.4);letter-spacing:0.5px;font-family:'Calibri',sans-serif;}
.breadcrumb span{font-size:16px;color:rgba(255,255,255,0.2);}
.breadcrumb .current{font-size:16px;color:var(--gold-light);font-family:'Calibri',sans-serif;}
.page-hero h1{font-size:50px;font-weight:700;color:var(--white);margin-bottom:16px;font-family:'Calibri',sans-serif;}
.page-hero .lead{font-size:18px;color:rgba(255,255,255,0.55);font-weight:400;max-width:560px;line-height:1.8;font-family:'Calibri',sans-serif;}

/* ── SECTION DIVIDER ── */
.divider{height:1px;background:rgba(0,0,0,0.07);}
.divider-gold{height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);opacity:0.4;}

/* ── CARDS ── */
.card{background:var(--white);border:1px solid rgba(0,0,0,0.07);border-radius:var(--radius-lg);padding:32px;transition:border-color var(--transition),box-shadow var(--transition);}
.card:hover{border-color:rgba(245,200,0,0.5);box-shadow:0 4px 24px rgba(0,0,0,0.06);}
.card-dark{background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius-lg);padding:28px;}

/* ── ICONS ── */
.icon-circle{width:48px;height:48px;border-radius:50%;background:#fffbe6;display:flex;align-items:center;justify-content:center;font-size:22px;color:var(--navy);flex-shrink:0;}
.icon-circle-dark{width:48px;height:48px;border-radius:50%;background:rgba(245,200,0,0.12);display:flex;align-items:center;justify-content:center;font-size:22px;color:var(--gold-light);flex-shrink:0;}

/* ── GOLD ACCENT ── */
.accent-line{width:40px;height:2px;background:var(--gold);margin-bottom:20px;}

/* ── STATS BAR ── */
.stats-bar{background:var(--navy-mid);padding:40px 0;border-top:1px solid rgba(255,255,255,0.05);}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;}
.stat-box{text-align:center;padding:10px 20px;border-right:1px solid rgba(255,255,255,0.07);}
.stat-box:last-child{border-right:none;}
.stat-num{font-family:'Calibri',sans-serif;font-size:38px;font-weight:700;color:var(--gold-light);display:block;line-height:1;}
.stat-label{font-size:15px;color:rgba(255,255,255,0.4);letter-spacing:1.5px;text-transform:uppercase;margin-top:6px;font-family:'Calibri',sans-serif;}

/* ── VERTICALS STRIP ── */
.verticals-strip{background:var(--gold);overflow:hidden;}
.verticals-inner{display:flex;}
.vert-item{flex:1;padding:14px 20px;display:flex;align-items:center;gap:10px;border-right:1px solid rgba(26,26,140,0.15);}
.vert-item:last-child{border-right:none;}
.vert-item i{font-size:18px;color:var(--navy);}
.vert-name{font-size:16px;font-weight:700;color:var(--navy);letter-spacing:0.3px;white-space:nowrap;font-family:'Calibri',sans-serif;}

/* ── FOOTER ── */
footer{background:#0d0d5a;color:rgba(255,255,255,0.6);}
.footer-top{padding:60px 0 40px;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;}
.footer-desc{font-size:17px;color:rgba(255,255,255,0.35);line-height:1.75;margin-top:14px;font-weight:400;font-family:'Calibri',sans-serif;max-width:220px;}
.footer-badge{font-size:14px;background:rgba(245,200,0,0.12);color:var(--gold-light);padding:4px 10px;border-radius:2px;letter-spacing:1px;margin-top:14px;display:inline-block;font-family:'Calibri',sans-serif;}
.footer-col-title{font-size:15px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-light);margin-bottom:18px;font-weight:700;font-family:'Calibri',sans-serif;}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:10px;}
.footer-links a{font-size:17px;font-family:'Calibri',sans-serif;color:rgba(255,255,255,0.38);transition:color var(--transition);}
.footer-links a:hover{color:rgba(255,255,255,0.72);}
.footer-contact-row{display:flex;align-items:flex-start;gap:10px;font-size:17px;font-family:'Calibri',sans-serif;color:rgba(255,255,255,0.38);margin-bottom:10px;}
.footer-contact-row i{color:var(--gold-light);font-size:16px;margin-top:2px;flex-shrink:0;}
.footer-contact-row a{color:rgba(255,255,255,0.38);}
.footer-contact-row a:hover{color:rgba(255,255,255,0.72);}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06);padding:24px 0;}
.footer-bottom-inner{display:flex;justify-content:space-between;align-items:center;}
.footer-copy{font-size:16px;color:rgba(255,255,255,0.22);font-family:'Calibri',sans-serif;}
.footer-social{display:flex;gap:20px;}
.footer-social a{font-size:16px;color:rgba(255,255,255,0.3);font-family:'Calibri',sans-serif;}
.footer-social a:hover{color:rgba(255,255,255,0.65);}

/* ── FORMS ── */
.form-group{margin-bottom:20px;}
.form-label{display:block;font-size:17px;font-family:'Calibri',sans-serif;color:var(--text-mid);margin-bottom:8px;font-weight:700;}
.form-control{width:100%;padding:12px 16px;border:1px solid rgba(0,0,0,0.12);border-radius:var(--radius);font-size:16px;font-family:'Calibri',sans-serif;color:var(--text-dark);background:var(--white);transition:border-color var(--transition);}
.form-control:focus{outline:none;border-color:var(--navy);}
textarea.form-control{resize:vertical;min-height:130px;}
select.form-control{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238a91c4' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;}

/* ── MISC ── */
.gold-rule{width:48px;height:2px;background:var(--gold);margin:0 auto 20px;}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.four-col{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.pill{display:inline-block;font-size:14px;font-family:'Calibri',sans-serif;font-weight:700;padding:4px 10px;border-radius:2px;background:var(--off-white);color:var(--navy);margin:3px 3px 3px 0;letter-spacing:0.3px;}
.pill-dark{background:rgba(255,255,255,0.08);color:rgba(255,255,255,0.55);}
.bg-offwhite{background:var(--off-white);}
.bg-navy{background:var(--navy);}
.numbered-list{counter-reset:item;list-style:none;}
.numbered-list li{counter-increment:item;display:flex;gap:16px;padding:20px 0;border-bottom:1px solid rgba(0,0,0,0.07);}
.numbered-list li:first-child{border-top:1px solid rgba(0,0,0,0.07);}
.numbered-list li::before{content:counter(item,decimal-leading-zero);font-family:'Calibri',sans-serif;font-size:26px;font-weight:700;color:var(--gold);opacity:0.8;min-width:36px;line-height:1;}
.highlight-box{background:var(--navy);border-radius:var(--radius-lg);padding:40px;}
.highlight-box h3{font-size:26px;font-weight:700;color:var(--white);margin-bottom:12px;font-family:'Calibri',sans-serif;}
.highlight-box p{font-size:17px;color:rgba(255,255,255,0.55);font-weight:400;line-height:1.8;font-family:'Calibri',sans-serif;}

/* ── PROCESS STEPS ── */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
.steps::before{content:'';position:absolute;top:28px;left:10%;right:10%;height:1px;background:rgba(245,200,0,0.3);}
.step{text-align:center;padding:0 16px;}
.step-circle{width:56px;height:56px;border-radius:50%;background:var(--navy);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Calibri',sans-serif;font-size:20px;font-weight:700;color:var(--gold);margin:0 auto 16px;position:relative;z-index:1;}
.step-title{font-size:16px;font-weight:700;font-family:'Calibri',sans-serif;color:var(--text-dark);margin-bottom:8px;}
.step-body{font-size:17px;font-family:'Calibri',sans-serif;color:var(--text-muted);line-height:1.65;}

/* ── TESTIMONIAL ── */
.testimonial-card{background:var(--navy);border-radius:var(--radius-lg);padding:40px;}
.quote-mark{font-family:'Calibri',sans-serif;font-size:74px;font-weight:700;color:var(--gold);opacity:0.25;line-height:0.5;margin-bottom:20px;}
.quote-text{font-family:'Calibri',sans-serif;font-size:22px;font-weight:400;color:var(--white);line-height:1.6;margin-bottom:24px;font-style:italic;}
.quote-attr{font-size:16px;font-family:'Calibri',sans-serif;color:rgba(255,255,255,0.35);letter-spacing:1px;text-transform:uppercase;}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .two-col,.three-col,.four-col,.steps,.stats-grid,.footer-grid{grid-template-columns:1fr;}
  .container{padding:0 24px;}
  .section{padding:64px 0;}
  .page-hero h1{font-size:36px;}
  .section-h2{font-size:28px;}
}