:root {
  --navy: #1a2744;
  --gold: #c4a35a;
  --bg: #f6f4ef;
  --text: #1c1c1c;
  --muted: #5c5c5c;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Segoe UI", system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
}
a { color: var(--navy); }
header {
  background: var(--navy);
  color: #fff;
  padding: 1.1rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
header strong { color: var(--gold); letter-spacing: 0.04em; }
nav a { color: #fff; text-decoration: none; margin-left: 1.1rem; }
nav a:hover { color: var(--gold); }
.hero, .wrap { max-width: 920px; margin: 0 auto; padding: 2.2rem 1.5rem; }
.hero h1 { font-size: clamp(1.6rem, 4vw, 2.4rem); margin: 0 0 0.6rem; color: var(--navy); }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 40rem; }
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
  margin: 2rem 0;
}
.card {
  background: #fff;
  border: 1px solid #e4dfd4;
  border-top: 3px solid var(--gold);
  padding: 1.2rem;
}
.card h2 { margin: 0 0 0.4rem; font-size: 1.05rem; color: var(--navy); }
.cta {
  display: inline-block;
  background: var(--navy);
  color: #fff !important;
  text-decoration: none;
  padding: 0.75rem 1.2rem;
  margin: 0.3rem 0.6rem 0.3rem 0;
}
.cta.gold { background: var(--gold); color: var(--navy) !important; }
footer {
  background: var(--navy);
  color: #ddd;
  padding: 1.4rem 1.5rem;
  font-size: 0.9rem;
}
footer a { color: var(--gold); }
.legal { max-width: 720px; }
.legal h1 { color: var(--navy); }