:root{
  --blue:#2E4B9B;
  --navy:#293B5A;
  --gold:#F2C14E;
  --canvas:#FFFFFF;
  --soft:#F5F7FB;
  --ink:#1E2A3A;
  --muted:#5A6577;
  --radius:18px;
  --shadow-sm:0 4px 14px rgba(41,59,90,.08);
  --shadow-md:0 18px 44px rgba(41,59,90,.16);
  --maxw:1200px;
}

*,*::before,*::after{box-sizing:border-box}
html,body{max-width:100%;overflow-x:hidden}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  color:var(--ink);
  background:var(--canvas);
  line-height:1.6;
  font-size:17px;
}
img,svg,video,iframe{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3{font-family:'Montserrat',sans-serif;line-height:1.08;letter-spacing:-.01em;margin:0}
p{overflow-wrap:break-word}

.container{max-width:var(--maxw);margin:0 auto;padding:0 22px}

.skip-link{position:absolute;left:-999px;top:0;background:var(--blue);color:#fff;padding:10px 16px;z-index:200}
.skip-link:focus{left:8px;top:8px}

a:focus-visible,button:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:6px}

/* BUTTONS */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.4em;
  font-family:'Montserrat',sans-serif;font-weight:600;font-size:.95rem;
  padding:.82em 1.5em;border-radius:999px;text-decoration:none;
  border:2px solid transparent;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,background .18s;
  letter-spacing:.01em;
}
.btn-lg{padding:1em 1.9em;font-size:1.02rem}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 20px rgba(242,193,78,.35)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(242,193,78,.5)}
.btn-outline{background:transparent;border-color:var(--blue);color:var(--blue)}
.btn-outline:hover{background:var(--blue);color:#fff;transform:translateY(-2px)}
.btn-ghost{background:#fff;border-color:#dbe1ee;color:var(--blue)}
.btn-ghost:hover{border-color:var(--blue);transform:translateY(-2px)}

/* PROMO BAR */
.promo-bar{background:var(--gold);text-align:center;font-size:.86rem;font-weight:600;font-family:'Montserrat',sans-serif}
.promo-bar a{color:var(--navy);display:block;padding:9px 14px;text-decoration:none}
.promo-bar a:hover{text-decoration:underline}

/* HEADER */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);transition:box-shadow .25s}
.site-header.scrolled{box-shadow:0 6px 22px rgba(41,59,90,.12)}
.header-inner{max-width:var(--maxw);margin:0 auto;padding:12px 22px;display:flex;align-items:center;gap:18px}
.logo{flex:0 0 auto}
.logo img{height:44px;width:auto}
.primary-nav{margin-left:auto}
.nav-list{list-style:none;display:flex;align-items:center;gap:6px;margin:0;padding:0}
.nav-list > li > a,.sub-toggle{
  font-family:'Montserrat',sans-serif;font-weight:600;font-size:.92rem;color:var(--navy);
  text-decoration:none;padding:10px 12px;border-radius:8px;background:none;border:0;cursor:pointer;
  display:inline-flex;align-items:center;gap:6px;white-space:nowrap;
}
.nav-list > li > a:hover,.sub-toggle:hover{color:var(--blue);background:var(--soft)}
.chev{width:8px;height:8px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-3px;transition:transform .2s}
.header-cta{margin-left:4px}

.has-sub{position:relative}
.submenu{
  list-style:none;margin:0;padding:8px;position:absolute;top:calc(100% + 6px);left:0;
  min-width:230px;background:#fff;border-radius:14px;box-shadow:var(--shadow-md);
  opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .2s,transform .2s,visibility .2s;z-index:120;
}
.submenu li{position:relative}
.submenu a,.submenu .sub-toggle{display:flex;width:100%;text-align:left;font-size:.86rem;padding:9px 12px;color:var(--ink);text-decoration:none;border-radius:8px;font-weight:500}
.submenu a:hover,.submenu .sub-toggle:hover{background:var(--soft);color:var(--blue)}
.submenu .submenu{top:0;left:100%;margin-left:6px}

/* Desktop dropdowns are opened via JS-controlled .open class (no CSS :hover trigger,
   so a stuck/forced hover state can never open all menus at once) */
.has-sub.open > .submenu{opacity:1;visibility:visible;transform:translateY(0)}
.has-sub.open > .sub-toggle .chev{transform:rotate(225deg);margin-top:0}

.nav-cta-mobile{display:none}

.nav-toggle{display:none;margin-left:auto;background:none;border:0;flex-direction:column;gap:5px;padding:8px;cursor:pointer}
.nav-toggle span{width:26px;height:3px;background:var(--navy);border-radius:3px;transition:.25s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}

/* HERO */
.hero{background:
  radial-gradient(1200px 600px at 12% -10%,rgba(46,75,155,.10),transparent 60%),
  linear-gradient(180deg,#fff 0%,var(--soft) 100%);
  padding:64px 0 80px;position:relative;overflow:hidden}
.hero-inner{max-width:var(--maxw);margin:0 auto;padding:0 22px;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero-copy,.hero-media{min-width:0}
.hero-kicker{font-family:'Montserrat',sans-serif;font-weight:600;font-size:.82rem;color:var(--blue);text-transform:uppercase;letter-spacing:.12em;margin:0 0 16px}
.hero h1{font-weight:800;font-size:clamp(2.3rem,5vw,4rem);color:var(--navy)}
.hero h1 .line-one{display:block}
.hero h1 .line-two{display:block;color:var(--blue);position:relative}
.hero h1 .line-two::after{content:"";display:block;width:84px;height:6px;background:var(--gold);border-radius:6px;margin-top:18px}
.hero-sub{font-size:1.12rem;color:var(--muted);margin:24px 0 30px;max-width:46ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px}
.hero-chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px;margin:30px 0 0;padding:0}
.hero-chips li{font-family:'Montserrat',sans-serif;font-weight:600;font-size:.76rem;color:var(--blue);background:#fff;border:1px solid #dde3f0;padding:7px 14px;border-radius:999px}

.hero-media{position:relative}
.hero-photo-frame{border-radius:26px;overflow:hidden;box-shadow:var(--shadow-md);position:relative}
.hero-photo-frame img{width:100%;height:100%;object-fit:cover}
.hero-photo-frame::before{content:"";position:absolute;inset:0;border:1px solid rgba(255,255,255,.4);border-radius:26px;pointer-events:none}
.hero-badge{position:absolute;left:-18px;bottom:-22px;background:var(--blue);color:#fff;border-radius:20px;padding:18px 22px;display:flex;align-items:center;gap:14px;box-shadow:var(--shadow-md);max-width:230px}
.hero-badge-num{font-family:'Montserrat',sans-serif;font-weight:800;font-size:2.6rem;color:var(--gold);line-height:1}
.hero-badge-txt{font-size:.82rem;line-height:1.3}

/* SECTION HEADS */
.section-head{max-width:720px;margin:0 auto 46px;text-align:center}
.eyebrow{font-family:'Montserrat',sans-serif;font-weight:600;font-size:.8rem;text-transform:uppercase;letter-spacing:.14em;color:var(--gold);margin:0 0 12px}
.eyebrow::before{content:"";display:inline-block;width:26px;height:3px;background:var(--gold);border-radius:3px;vertical-align:middle;margin-right:10px}
.section-head h2{font-weight:700;font-size:clamp(1.7rem,3.4vw,2.5rem);color:var(--navy)}

/* EQ */
.eq{padding:86px 0;background:var(--canvas)}
.eq-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.eq-card{background:#fff;border:1px solid #e8ecf5;border-radius:var(--radius);padding:36px 32px;box-shadow:var(--shadow-sm);transition:transform .25s,box-shadow .25s;display:flex;flex-direction:column;position:relative}
.eq-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.eq-icon{width:64px;height:64px;border-radius:16px;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.eq-icon svg{width:34px;height:34px}
.eq-tag{position:absolute;top:34px;right:32px;font-family:'Montserrat',sans-serif;font-weight:600;font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);background:rgba(46,75,155,.08);padding:5px 11px;border-radius:999px}
.eq-card h3{font-weight:700;font-size:1.5rem;color:var(--blue);margin-bottom:12px}
.eq-card > p{color:var(--muted);margin:0 0 22px}
.eq-benefits{list-style:none;margin:0 0 26px;padding:0;display:grid;gap:14px}
.eq-benefits li{position:relative;padding-left:34px;font-size:.96rem;color:var(--ink)}
.eq-benefits li::before{content:"";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:50%;background:rgba(46,75,155,.1);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232E4B9B' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:center;background-size:12px}
.eq-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:auto}

/* OFFER */
.offer{padding:86px 0;background:var(--soft)}
.offer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.offer-card{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s;min-width:0}
.offer-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.offer-media{aspect-ratio:4/3;overflow:hidden}
.offer-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.offer-card:hover .offer-media img{transform:scale(1.05)}
.offer-body{padding:26px 24px 30px;display:flex;flex-direction:column;flex:1}
.offer-body h3{font-weight:700;font-size:1.28rem;color:var(--navy);margin-bottom:10px}
.offer-body p{color:var(--muted);font-size:.97rem;margin:0 0 20px}
.link-more{font-family:'Montserrat',sans-serif;font-weight:600;color:var(--blue);text-decoration:none;margin-top:auto;display:inline-flex;gap:6px;align-items:center}
.link-more:hover span{transform:translateX(4px)}
.link-more span{transition:transform .2s}

/* QUOTE */
.quote{padding:76px 0;background:var(--navy);color:#fff;position:relative}
.quote blockquote{margin:0 auto;max-width:900px;text-align:center;position:relative;padding:0 12px}
.quote-mark{font-family:'Montserrat',sans-serif;font-size:4.5rem;color:var(--gold);line-height:.5;display:block;margin-bottom:8px}
.quote p{font-family:'Montserrat',sans-serif;font-weight:600;font-size:clamp(1.4rem,3.2vw,2.1rem);line-height:1.35}

/* TESTIMONIALS */
.testimonials{padding:86px 0;background:#fff}
.tst-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tst-card{background:var(--soft);border:1px solid #e8ecf5;border-radius:var(--radius);padding:28px 26px;margin:0;position:relative;min-width:0}
.ph-tag{display:inline-block;font-size:.66rem;font-family:'Montserrat',sans-serif;font-weight:600;letter-spacing:.05em;color:var(--muted);background:#fff;border:1px dashed #c4cbdb;border-radius:999px;padding:4px 10px;margin-bottom:16px}
.tst-card blockquote{margin:0 0 16px;font-size:1.02rem;color:var(--ink);line-height:1.55}
.tst-card figcaption{font-family:'Montserrat',sans-serif;font-weight:600;font-size:.85rem;color:var(--blue)}

/* CLOSING */
.closing{padding:86px 0;background:
  radial-gradient(700px 400px at 85% 20%,rgba(242,193,78,.14),transparent 60%),
  var(--blue);color:#fff;text-align:center}
.closing-inner{max-width:700px}
.closing h2{font-weight:800;font-size:clamp(1.8rem,4vw,2.7rem)}
.closing p{font-size:1.15rem;color:rgba(255,255,255,.9);margin:14px 0 30px}

/* FOOTER */
.site-footer{background:var(--navy);color:#c8d0e0}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;padding:64px 22px 40px}
.footer-logo{background:#fff;border-radius:12px;padding:10px 14px;height:auto;width:auto;max-width:200px}
.footer-brand p{margin:18px 0 20px;max-width:34ch;color:#aeb8cc}
.footer-col h3{font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;color:#fff;margin-bottom:16px;font-weight:700}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.footer-col a{color:#c8d0e0;text-decoration:none;font-size:.92rem}
.footer-col a:hover{color:var(--gold)}
.social{list-style:none;display:flex;gap:12px;margin:0;padding:0}
.social a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;color:#fff;transition:.2s}
.social a:hover{background:var(--gold);color:var(--navy)}
.social svg{width:20px;height:20px;fill:currentColor}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;padding:22px 22px;border-top:1px solid rgba(255,255,255,.1);font-size:.85rem}
.footer-bottom a{color:#c8d0e0;text-decoration:none}
.footer-bottom a:hover{color:var(--gold)}

/* REVEAL */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* RESPONSIVE */
@media (max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:40px}
  .hero-media{order:-1;max-width:560px}
  .eq-grid{grid-template-columns:1fr}
  .offer-grid{grid-template-columns:1fr 1fr}
  .tst-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px}
}

@media (max-width:860px){
  .header-cta{display:none}
  .nav-toggle{display:flex}
  .primary-nav{
    position:fixed;top:0;right:0;height:100%;width:min(340px,86vw);
    background:#fff;box-shadow:-10px 0 40px rgba(0,0,0,.18);
    transform:translateX(100%);transition:transform .3s;overflow-y:auto;padding:80px 20px 40px;margin:0;z-index:150;
  }
  .primary-nav.open{transform:translateX(0)}
  .nav-list{flex-direction:column;align-items:stretch;gap:2px}
  .nav-list > li{width:100%}
  .nav-list > li > a,.sub-toggle{width:100%;justify-content:space-between;font-size:1rem;padding:14px 12px}
  /* On mobile the submenu is an inline accordion, always laid out, height-animated */
  .submenu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;min-width:0;padding:0 0 6px 12px;max-height:0;overflow:hidden;transition:max-height .3s}
  .has-sub.open > .submenu{max-height:900px;opacity:1;visibility:visible}
  .submenu .submenu{margin-left:0}
  .has-sub.open > .sub-toggle .chev{transform:rotate(-135deg);margin-top:2px}
  .nav-cta-mobile{display:block;margin-top:16px}
  .nav-cta-mobile a{width:100%}
  body.nav-open{overflow:hidden}
}

@media (max-width:640px){
  body{font-size:16px}
  .offer-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .hero{padding:44px 0 64px}
  .eq-card{padding:28px 22px}
  .eq-tag{top:28px;right:22px}
  .hero-badge{left:0;bottom:-16px;padding:14px 16px}
  .eq,.offer,.testimonials,.closing{padding:60px 0}
}

@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  *{transition:none!important}
}