:root {
  --navy:#0b1f3a;
  --blue:#123d6b;
  --gold:#c89b3c;
  --light:#f5f7fb;
  --text:#1f2937;
  --muted:#5b6573;
}
* { box-sizing:border-box; }
body { margin:0; font-family: Arial, Helvetica, sans-serif; color:var(--text); line-height:1.6; }
a { color:inherit; text-decoration:none; }
.topbar { background:var(--navy); color:#fff; padding:8px 6%; font-size:14px; text-align:right; }
header { display:flex; align-items:center; justify-content:space-between; padding:18px 6%; background:#fff; box-shadow:0 2px 12px rgba(0,0,0,.06); position:sticky; top:0; z-index:10; }
.logo { font-weight:800; font-size:24px; color:var(--navy); }
nav { display:flex; gap:24px; align-items:center; }
nav a { font-weight:600; color:var(--navy); }
.dropdown { position:relative; }
.dropdown-content { display:none; position:absolute; background:#fff; min-width:280px; top:28px; left:0; box-shadow:0 12px 30px rgba(0,0,0,.12); border-radius:10px; overflow:hidden; }
.dropdown-content a { display:block; padding:11px 16px; border-bottom:1px solid #edf0f5; font-size:14px; }
.dropdown:hover .dropdown-content { display:block; }
.btn { display:inline-block; background:var(--gold); color:#111; padding:12px 20px; border-radius:6px; font-weight:800; margin:6px 8px 6px 0; }
.btn.dark { background:var(--navy); color:#fff; }
.hero { background:linear-gradient(110deg, rgba(11,31,58,.94), rgba(18,61,107,.86)), url('https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1600&q=80'); background-size:cover; background-position:center; color:#fff; padding:95px 6%; }
.hero h1 { font-size:48px; line-height:1.1; max-width:850px; margin:0 0 20px; }
.hero p { font-size:20px; max-width:850px; color:#eef3fb; }
section { padding:70px 6%; }
.section-light { background:var(--light); }
.section-title { max-width:800px; margin-bottom:32px; }
.section-title h2 { font-size:36px; color:var(--navy); margin:0 0 10px; }
.grid { display:grid; grid-template-columns:repeat(3, 1fr); gap:24px; }
.grid.two { grid-template-columns:repeat(2,1fr); }
.card { background:#fff; padding:28px; border-radius:14px; box-shadow:0 8px 28px rgba(0,0,0,.07); border-top:4px solid var(--gold); }
.card h3 { margin-top:0; color:var(--navy); }
.text-link { color:var(--blue); font-weight:800; }
.cta { background:var(--navy); color:#fff; text-align:center; padding:70px 6%; }
.cta h2 { font-size:36px; margin:0 0 10px; }
footer { background:#071426; color:#dce6f4; padding:55px 6% 25px; }
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr 1.5fr; gap:30px; }
footer h4 { color:#fff; margin:0 0 14px; }
footer a, footer p { display:block; color:#dce6f4; margin:8px 0; font-size:14px; }
.copy { border-top:1px solid rgba(255,255,255,.15); margin-top:30px; padding-top:20px; font-size:13px; }
.page-hero { background:linear-gradient(110deg, var(--navy), var(--blue)); color:#fff; padding:70px 6%; }
.page-hero h1 { font-size:42px; margin:0 0 12px; }
ul.checks { padding-left:20px; }
ul.checks li { margin:9px 0; }
.contact-box { background:#fff; padding:28px; border-radius:14px; box-shadow:0 8px 28px rgba(0,0,0,.07); }
input, textarea, select { width:100%; padding:14px; margin:8px 0 16px; border:1px solid #d7dce5; border-radius:8px; font-size:15px; }
@media(max-width:900px) {
  header { flex-direction:column; gap:16px; align-items:flex-start; }
  nav { flex-wrap:wrap; gap:14px; }
  .grid, .grid.two, .footer-grid { grid-template-columns:1fr; }
  .hero h1 { font-size:36px; }
  .dropdown-content { position:static; display:block; box-shadow:none; margin-top:8px; }
}