*{box-sizing:border-box;margin:0;padding:0;}
body{font-family:'Gill Sans','Gill Sans MT',Calibri,sans-serif;background:#FAF8F4;color:#050A14;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}

/* NAV */
.nav{background:#050A14;padding:0 40px;display:flex;justify-content:space-between;align-items:center;height:60px;border-bottom:1px solid #15263A;position:sticky;top:0;z-index:200;}
.nav-brand{display:flex;align-items:center;gap:10px;text-decoration:none;}
.nav-name{font-family:Georgia,serif;font-size:13px;color:#FAF8F4;letter-spacing:2px;text-transform:uppercase;}
.nav-divider{width:1px;height:11px;background:#2A4866;}
.nav-tag{font-size:8px;color:#B89D5A;letter-spacing:3px;text-transform:uppercase;}
.nav-links{display:flex;gap:20px;align-items:center;}
.nav-link{color:#6A8AA8;font-size:9px;letter-spacing:1.5px;text-transform:uppercase;}
.nav-link:hover{color:#FAF8F4;}
.nav-link.active{color:#FAF8F4;border-bottom:1px solid #B89D5A;padding-bottom:2px;}
.nav-cta{border:1px solid #B89D5A;color:#B89D5A;padding:7px 18px;font-size:8px;letter-spacing:2px;text-transform:uppercase;cursor:pointer;}
.nav-cta:hover{background:#B89D5A;color:#050A14;}

/* FOOTER */
.footer{background:#000;padding:48px 40px 24px;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px;}
.footer-brand-name{font-family:Georgia,serif;font-size:14px;color:#FAF8F4;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:4px;}
.footer-brand-title{font-size:8px;color:#B89D5A;letter-spacing:3px;text-transform:uppercase;margin-bottom:16px;}
.footer-contact{font-size:10px;color:#6A6560;line-height:1.9;}
.footer-col-label{font-size:8px;letter-spacing:2px;text-transform:uppercase;color:#3A3A3A;margin-bottom:12px;}
.footer-col-item{font-size:11px;color:#9A9590;margin-bottom:6px;display:block;}
.footer-col-item:hover{color:#B89D5A;}
.footer-bottom{border-top:1px solid #1A1A1A;padding-top:16px;display:flex;justify-content:space-between;}
.footer-copy{font-size:9px;color:#3A3A3A;}

/* SECTIONS */
.section-dark{background:#050A14;padding:72px 40px;}
.section-mid{background:#0D1A2E;padding:72px 40px;}
.section-light{background:#FAF8F4;padding:72px 40px;}
.section-cream{background:#F2EEE7;padding:72px 40px;}
.section-black{background:#000;padding:72px 40px;}

/* TYPOGRAPHY */
.eyebrow{font-size:8px;letter-spacing:5px;text-transform:uppercase;color:#B89D5A;margin-bottom:14px;}
.section-title-dark{font-family:Georgia,serif;font-size:38px;color:#FAF8F4;letter-spacing:-1px;line-height:1.05;font-style:italic;margin-bottom:16px;}
.section-title-light{font-family:Georgia,serif;font-size:38px;color:#050A14;letter-spacing:-1px;line-height:1.05;font-style:italic;margin-bottom:16px;}
.section-title-dark span,.section-title-light span{font-style:normal;}
.body-dark{font-size:13px;color:#9AB0C8;line-height:1.9;font-weight:300;}
.body-light{font-size:13px;color:#3A4D62;line-height:1.9;font-weight:300;}

/* BUTTONS */
.btn-gold{background:#B89D5A;color:#050A14;padding:13px 24px;font-size:9px;letter-spacing:2px;text-transform:uppercase;border:none;cursor:pointer;font-family:inherit;display:inline-block;}
.btn-gold:hover{opacity:.88;}
.btn-outline{border:1px solid rgba(184,157,90,0.5);color:#B89D5A;padding:13px 24px;font-size:9px;letter-spacing:2px;text-transform:uppercase;background:none;cursor:pointer;font-family:inherit;display:inline-block;}
.btn-outline:hover{border-color:#B89D5A;}
.btn-outline-light{border:1px solid rgba(5,10,20,0.3);color:#050A14;padding:13px 24px;font-size:9px;letter-spacing:2px;text-transform:uppercase;background:none;cursor:pointer;font-family:inherit;display:inline-block;}

/* FORMS */
.form-input{background:#050A14;border:1px solid #1F3552;padding:12px 16px;font-size:12px;color:#9AB0C8;outline:none;font-family:inherit;width:100%;}
.form-input:focus{border-color:#B89D5A;}
.form-input::placeholder{color:#3A5070;}
.form-select{background:#050A14;border:1px solid #1F3552;padding:12px 16px;font-size:12px;color:#9AB0C8;outline:none;font-family:inherit;width:100%;}
.form-textarea{background:#050A14;border:1px solid #1F3552;padding:12px 16px;font-size:12px;color:#9AB0C8;outline:none;font-family:inherit;width:100%;resize:vertical;min-height:100px;}
.form-label{font-size:8px;letter-spacing:3px;text-transform:uppercase;color:#B89D5A;margin-bottom:16px;display:block;}
.form-submit{background:#B89D5A;color:#050A14;padding:14px;font-size:9px;letter-spacing:2px;text-transform:uppercase;border:none;cursor:pointer;font-family:inherit;width:100%;margin-top:4px;}
.form-note{font-size:9px;color:#3A5070;text-align:center;margin-top:10px;}
.form-row{margin-bottom:10px;}
.form-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:10px;}

/* GRIDS */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.four-col{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}

/* CARDS */
.card-dark{background:#0D1A2E;border:1px solid #1F3552;padding:24px;}
.card-light{background:#fff;border:1px solid #E8E3DC;padding:24px;}
.card-cream{background:#F2EEE7;border:1px solid #DDD8CF;padding:24px;}

/* STAT BOX */
.stat-box{background:#0D1A2E;border:1px solid #1F3552;padding:22px 20px;}
.stat-val{font-family:Georgia,serif;font-size:32px;color:#FAF8F4;line-height:1;margin-bottom:6px;}
.stat-val-gold{font-family:Georgia,serif;font-size:32px;color:#B89D5A;line-height:1;margin-bottom:6px;}
.stat-unit{font-size:16px;color:#B89D5A;}
.stat-label{font-size:8px;color:#5A7A99;letter-spacing:2.5px;text-transform:uppercase;}

/* RULE DECORATION */
.rule-gold{width:100%;height:1px;background:#B89D5A;opacity:.3;margin:32px 0;}
.rule-dark{width:100%;height:1px;background:#1F3552;margin:24px 0;}
.rule-light{width:100%;height:1px;background:#E8E3DC;margin:24px 0;}
.inline-rule{display:flex;align-items:center;gap:14px;margin-bottom:20px;}
.inline-rule-line{width:32px;height:1px;background:#B89D5A;}
.inline-rule-text{font-size:8px;color:#B89D5A;letter-spacing:3px;text-transform:uppercase;}

/* BREADCRUMB */
.breadcrumb{background:#050A14;padding:12px 40px;display:flex;align-items:center;gap:8px;border-bottom:1px solid #15263A;}
.breadcrumb span{font-size:8px;letter-spacing:2px;text-transform:uppercase;}
.bc-dim{color:#5A7A99;}
.bc-sep{color:#3A5A7A;}
.bc-active{color:#B89D5A;}

/* FAQ */
.faq-item{border-bottom:1px solid #1F3552;padding:20px 0;}
.faq-q{font-family:Georgia,serif;font-size:15px;color:#FAF8F4;margin-bottom:10px;cursor:pointer;}
.faq-q-light{font-family:Georgia,serif;font-size:15px;color:#050A14;margin-bottom:10px;}
.faq-a{font-size:12px;color:#9AB0C8;line-height:1.85;font-weight:300;}
.faq-a-light{font-size:12px;color:#3A4D62;line-height:1.85;font-weight:300;}

/* CONTACT STRIP */
.contact-strip{display:flex;flex-direction:column;border-top:1px solid #1F3552;}
.contact-row{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid #1F3552;}
.contact-row-label{font-size:9px;color:#5A7A99;letter-spacing:2px;text-transform:uppercase;}
.contact-row-val-gold{font-family:Georgia,serif;font-size:15px;color:#B89D5A;}
.contact-row-val-white{font-family:Georgia,serif;font-size:15px;color:#FAF8F4;}

@media(max-width:768px){
.footer-grid{grid-template-columns:1fr 1fr;}
.two-col{grid-template-columns:1fr;}
.three-col{grid-template-columns:1fr;}
.four-col{grid-template-columns:1fr 1fr;}
.nav-links{display:none;}
.form-grid-2{grid-template-columns:1fr;}
}