:root {
  --navy: #0f2340;
  --navy-dark: #0a1a30;
  --gold: #b8923a;
  --ink: #1c232e;
  --muted: #5c6672;
  --paper: #f7f8fa;
  --line: #e3e6ea;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: 'Georgia', 'Times New Roman', serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.65;
}
a { color: inherit; }
.topbar {
  background: var(--navy-dark);
  color: #cdd6e3;
  font-size: 13px;
  padding: 8px 0;
  text-align: center;
  letter-spacing: .02em;
}
header.site-header {
  background: var(--navy);
  color: #fff;
  padding: 18px 0;
}
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.header-inner { display: flex; align-items: center; justify-content: space-between; }
.brand { font-size: 22px; font-weight: 700; letter-spacing: .01em; }
.brand span { color: var(--gold); }
nav.main-nav { display: flex; gap: 28px; font-size: 15px; }
nav.main-nav a { text-decoration: none; color: #dfe6ef; }
nav.main-nav a.active, nav.main-nav a:hover { color: var(--gold); }
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #16305a 100%);
  color: #fff;
  padding: 72px 0 84px;
}
.hero h1 { font-size: 40px; margin: 0 0 16px; max-width: 20ch; line-height: 1.15; }
.hero p.lede { font-size: 19px; color: #cfd9e6; max-width: 56ch; margin: 0 0 28px; }
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700;
  padding: 13px 28px;
  border-radius: 3px;
  text-decoration: none;
  font-size: 15px;
  font-family: Arial, sans-serif;
}
.btn.secondary { background: transparent; border: 1px solid #7f93ad; color: #fff; margin-left: 12px; }
section { padding: 56px 0; }
section.alt { background: var(--paper); }
h2.section-title { font-size: 28px; margin: 0 0 8px; }
p.section-sub { color: var(--muted); font-size: 16px; margin: 0 0 36px; max-width: 60ch; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 26px;
}
.card h3 { margin: 0 0 10px; font-size: 19px; }
.card p { color: var(--muted); font-size: 15px; margin: 0; }
.stat-row { display: flex; gap: 40px; margin-top: 12px; flex-wrap: wrap; }
.stat { }
.stat .num { font-size: 34px; font-weight: 700; color: var(--gold); font-family: Arial, sans-serif; }
.stat .label { color: #cfd9e6; font-size: 13px; text-transform: uppercase; letter-spacing: .04em; }
footer.site-footer {
  background: var(--navy-dark);
  color: #9fb0c6;
  padding: 40px 0 28px;
  font-size: 13px;
}
footer.site-footer a { color: #cdd6e3; text-decoration: none; }
footer .footer-cols { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 24px; }
footer .disclaimer { margin-top: 24px; padding-top: 20px; border-top: 1px solid #24344e; font-size: 12px; color: #7488a0; }
.breadcrumb { font-size: 13px; color: var(--muted); margin-bottom: 18px; }
.page-hero { background: var(--paper); padding: 40px 0; border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: 30px; margin: 0; }
blockquote.testimonial {
  border-left: 3px solid var(--gold);
  margin: 0 0 20px;
  padding: 4px 0 4px 20px;
  font-style: italic;
  color: var(--ink);
}
blockquote.testimonial cite { display: block; margin-top: 8px; font-style: normal; font-size: 13px; color: var(--muted); }