:root{
  --navy:#0B1F3A;
  --gold:#C9A227;
  --charcoal:#2B2B2B;
  --bg:#ffffff;
  --muted:#f6f7f9;
  --border:#e7e9ee;
}

*{box-sizing:border-box}
html,body{
  margin:0;
  padding:0;
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,"Helvetica Neue",Arial,sans-serif;
  color:var(--charcoal);
  background:var(--bg);
}
a{color:inherit;text-decoration:none}
.container{max-width:1100px;margin:0 auto;padding:0 20px}

/* Header */
.site-header{
  position:sticky;
  top:0;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border);
  z-index:20;
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:18px 0; /* slightly more premium spacing */
}
.brand{
  display:flex;
  align-items:center;
}
.logo{
  height:100px;        /* FIX: was 0px */
  width:auto;
  display:block;
  flex-shrink:0;
}

/* Nav */
.nav{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.nav a{font-size:14px;color:var(--navy);opacity:0.85}
.nav a.active{opacity:1;font-weight:600}
.nav .nav-cta{
  padding:10px 14px;
  border:1px solid var(--navy);
  border-radius:999px;
  opacity:1;
}

/* Hero */
.hero{padding:56px 0 40px;background:linear-gradient(180deg,#ffffff 0%, #fbfbfc 100%)}
.hero-grid{display:grid;grid-template-columns:1.25fr 0.9fr;gap:28px;align-items:start}
.eyebrow{color:var(--gold);font-weight:600;letter-spacing:.08em;text-transform:uppercase;font-size:12px;margin:0 0 10px}
h1{color:var(--navy);font-size:44px;line-height:1.08;margin:0 0 14px}
.lead{font-size:18px;line-height:1.6;margin:0 0 18px;max-width:56ch}

/* Buttons */
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:18px 0 18px}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border-radius:999px;
  padding:12px 16px;
  font-weight:600;
  font-size:14px;
  border:1px solid transparent;
}
.btn.primary{background:var(--navy);color:#fff}
.btn.ghost{border-color:var(--border);background:#fff;color:var(--navy)}

/* Trust row */
.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.trust-item{border:1px solid var(--border);border-radius:14px;padding:12px;background:#fff}
.trust-title{font-weight:700;color:var(--navy);font-size:14px}
.trust-sub{font-size:12px;opacity:.8;margin-top:2px}

/* Hero card */
.hero-card{border:1px solid var(--border);border-radius:18px;padding:18px;background:#fff}
.hero-card h2{margin:0 0 8px;color:var(--navy);font-size:18px}
.hero-card p{margin:0 0 10px;line-height:1.6}
.checklist{margin:0;padding-left:18px;line-height:1.8}
.checklist li{margin:2px 0}

/* Sections */
.section{padding:46px 0}
.section.alt{background:var(--muted);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.section-title{color:var(--navy);font-size:28px;margin:0 0 8px}
.section-subtitle{margin:0 0 18px;opacity:.85}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.card{border:1px solid var(--border);border-radius:18px;padding:18px;background:#fff}
.card h3{margin:0 0 8px;color:var(--navy)}
.card p{margin:0 0 12px;line-height:1.6}
.link{color:var(--navy);font-weight:600}

/* Grids */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:14px}
.panel{border:1px solid var(--border);border-radius:18px;padding:18px;background:#fff}
.panel h3{margin:0 0 8px;color:var(--navy)}
.bullets{margin:0;padding-left:18px;line-height:1.9}

/* CTA bar */
.cta-bar{
  margin-top:18px;
  border:1px solid var(--border);
  border-radius:18px;
  padding:18px;
  background:#fff;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:14px;
}
.cta-bar h3{margin:0;color:var(--navy)}
.cta-bar p{margin:6px 0 0;opacity:.85}

/* Footer */
.site-footer{padding:26px 0;background:#fff}
.footer-grid{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;border-top:1px solid var(--border);padding-top:18px}
.footer-title{font-weight:800;color:var(--navy)}
.footer-sub{opacity:.8;margin-top:4px}
.footer-cols{display:flex;gap:24px;flex-wrap:wrap}
.footer-h{font-weight:700;color:var(--navy);margin-bottom:8px}
.footer-cols a{display:block;opacity:.85;margin:6px 0;font-size:14px}
.footer-bottom{border-top:1px solid var(--border);margin-top:14px;padding-top:12px;font-size:13px;opacity:.75}

/* Responsive */
@media (max-width: 900px){
  .hero-grid{grid-template-columns:1fr}
  h1{font-size:36px}
  .cards{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .trust-row{grid-template-columns:1fr}
  .cta-bar{flex-direction:column;align-items:flex-start}
  .logo{height:52px}
  .header-inner{padding:14px 0}
}