:root {
  --navy:#0b1d3a;
  --gold:#C4973B;
  --white:#ffffff;
  --light:#f5f7fa;
  --text:#0b1d3a;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Roboto,system-ui,-apple-system,Segoe UI,Helvetica,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.6}
img{max-width:100%;height:auto;display:block}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.site-header{position:sticky;top:0;z-index:100;background:var(--navy);box-shadow:0 2px 10px rgba(0,0,0,.15)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.nav a{color:#fff;text-decoration:none;margin-left:18px;font-weight:500}
.nav a.btn{margin-left:24px}
.btn{display:inline-block;padding:12px 18px;border-radius:999px;text-decoration:none;border:2px solid transparent;transition:transform .08s ease, box-shadow .2s}
.btn:active{transform:translateY(1px)}
.btn-gold{background:var(--gold);color:#fff;border-color:var(--gold);box-shadow:0 6px 20px rgba(196,151,59,.35)}
.btn-gold:hover{filter:brightness(1.05)}
.btn-outline{background:transparent;border-color:var(--gold);color:var(--gold)}
.btn-outline:hover{background:rgba(196,151,59,.08)}
.btn-link{color:var(--gold);text-decoration:none;font-weight:600}
.btn-link:hover{text-decoration:underline}
.btn.small{padding:8px 14px;font-size:.9rem}

.hero{background:linear-gradient(180deg, #0b1d3a 0%, #122a55 100%);color:#fff;padding:48px 0 24px}
.hero-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:center}
.hero h1{font-family:Montserrat,Arial,Helvetica,sans-serif;font-size:2rem;margin:0 0 14px}
.hero p{opacity:.95;margin:0 0 18px}
.cta .btn{margin-right:10px;margin-bottom:10px}

.benefits{background:var(--light);padding:36px 0}
.benefit-grid{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:0;padding:0}
.benefit-grid li{background:#fff;border:1px solid #e6e8ee;border-radius:16px;padding:18px;text-align:left;box-shadow:0 6px 24px rgba(11,29,58,.06)}
.benefit-grid h3{font-family:Montserrat,Arial,Helvetica,sans-serif;margin:.5rem 0}
.testimonial{padding:32px 0}
blockquote{background:#fff;border-left:4px solid var(--gold);padding:18px 22px;border-radius:8px;box-shadow:0 8px 30px rgba(0,0,0,.06)}
blockquote cite{display:block;margin-top:8px;opacity:.8}

.page-intro{padding:32px 0}
.split-inner{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:center}
.check-list{list-style: none; padding:0; margin: 0}
.check-list li{padding-left:26px;position:relative;margin:.4rem 0}
.check-list li::before{content:"✓";color:var(--gold);position:absolute;left:0}

.cards{padding:24px 0 40px}
.card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid #e6e8ee;border-radius:16px;padding:18px;box-shadow:0 6px 24px rgba(11,29,58,.06)}
.card h3{font-family:Montserrat,Arial,Helvetica,sans-serif;margin:.5rem 0}

.blog-list{padding:24px 0 40px}
.posts{display:grid;grid-template-columns:1fr;gap:18px}
.post{display:grid;grid-template-columns:1.2fr .8fr;gap:18px;align-items:start;background:#fff;border:1px solid #e6e8ee;border-radius:16px;padding:12px}
.post h3{font-family:Montserrat,Arial,Helvetica,sans-serif;margin:.4rem 0}

.contact{padding:24px 0 48px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.contact-form label{display:block;margin-bottom:12px}
.contact-form input,.contact-form textarea{width:100%;padding:12px;border-radius:12px;border:1px solid #d9dfe7;outline:none}
.contact-form input:focus,.contact-form textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(196,151,59,.15)}
.contact-form button{margin-top:6px}
.form-note{font-size:.9rem;color:#5b6a83;margin-top:6px}

.site-footer{background:var(--navy);color:#fff;margin-top:32px;padding-top:24px}
.site-footer h4{font-family:Montserrat,Arial,Helvetica,sans-serif;margin:.2rem 0 .4rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1.2fr;gap:18px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);padding:12px 0;text-align:center;opacity:.9}

@media (max-width: 980px){
  .hero-inner{grid-template-columns:1fr}
  .benefit-grid{grid-template-columns:repeat(2,1fr)}
  .split-inner{grid-template-columns:1fr}
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .post{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
}
@media (max-width: 520px){
  .benefit-grid{grid-template-columns:1fr}
  .card-grid{grid-template-columns:1fr}
}