:root{
  --navy:#18233b;
  --cream:#f6f1e7;
  --sand:#d9b56f;
  --green:#2e5f4d;
  --ink:#26313d;
  --muted:#69727d;
  --white:#ffffff;
  --line:#e8dfd0;
}
*{box-sizing:border-box}
body{
  margin:0;
  font-family: Georgia, "Times New Roman", serif;
  color:var(--ink);
  background:var(--cream);
  line-height:1.65;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1120px,92%);margin:auto}
.topbar{
  background:var(--navy);
  color:#fff;
  padding:10px 0;
  font-family: Arial, sans-serif;
  font-size:14px;
}
.nav{
  background:#fff;
  border-bottom:1px solid var(--line);
  position:sticky;
  top:0;
  z-index:10;
}
.nav-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:16px 0;
  gap:20px;
}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:52px;height:52px}
.brand-name{
  font-family:Arial,sans-serif;
  font-weight:700;
  line-height:1.15;
  max-width:340px;
  font-size:15px;
  color:var(--navy);
}
.menu{display:flex;gap:24px;font-family:Arial,sans-serif;font-size:15px}
.menu a:hover{color:var(--green)}
.hero{
  background:linear-gradient(90deg,rgba(24,35,59,.88),rgba(24,35,59,.52)), url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1800&q=80") center/cover;
  color:#fff;
  min-height:480px;
  display:flex;
  align-items:center;
}
.hero-card{max-width:680px;padding:56px 0}
.eyebrow{
  font-family:Arial,sans-serif;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:#f0d79a;
  font-size:13px;
}
h1,h2,h3{color:var(--navy);line-height:1.18;margin:0 0 14px}
.hero h1{font-size:48px;color:#fff}
.hero p{font-size:18px;max-width:610px}
.btn{
  display:inline-block;
  background:var(--sand);
  color:#1c2433;
  padding:12px 20px;
  border-radius:4px;
  font-family:Arial,sans-serif;
  font-weight:700;
  margin-top:12px;
}
.section{padding:72px 0}
.section.white{background:#fff}
.grid-2{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:42px;
  align-items:center;
}
.photo{
  border:10px solid #fff;
  box-shadow:0 18px 40px rgba(24,35,59,.14);
  border-radius:3px;
  overflow:hidden;
}
.kicker{
  font-family:Arial,sans-serif;
  color:var(--green);
  font-weight:700;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.08em;
}
p{margin:0 0 16px}
.cards{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
  margin-top:30px;
}
.card{
  background:#fff;
  border:1px solid var(--line);
  padding:26px;
  min-height:210px;
  box-shadow:0 10px 26px rgba(24,35,59,.06);
}
.card h3{font-size:22px}
.icon{
  width:44px;height:44px;border-radius:50%;
  background:var(--green);
  color:#fff;
  display:grid;place-items:center;
  font-family:Arial,sans-serif;
  font-weight:bold;
  margin-bottom:15px;
}
.banner{
  background:linear-gradient(rgba(24,35,59,.70),rgba(24,35,59,.70)),url("https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=1600&q=80") center/cover;
  color:#fff;
  padding:70px 0;
}
.banner h2{color:#fff}
.page-title{
  background:linear-gradient(90deg,rgba(24,35,59,.86),rgba(24,35,59,.55)),url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1600&q=80") center/cover;
  color:#fff;
  padding:90px 0;
}
.page-title h1{color:#fff;font-size:42px}
.list{padding-left:20px}
.contact-box{
  background:#fff;
  border:1px solid var(--line);
  padding:30px;
}
.footer{
  background:var(--navy);
  color:#d9deea;
  padding:42px 0 24px;
  font-family:Arial,sans-serif;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr;
  gap:30px;
}
.footer h3{color:#fff;font-size:18px}
.footer a{display:block;margin:7px 0;color:#d9deea}
.copy{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:18px;font-size:13px}
.privacy h2{margin-top:28px}
.small{font-size:14px;color:var(--muted);font-family:Arial,sans-serif}
@media(max-width:820px){
  .nav-inner,.menu{flex-direction:column;align-items:flex-start}
  .grid-2,.cards,.footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:36px}
  .hero{min-height:420px}
}

/* enriched layout */
.split-band{
  background:linear-gradient(90deg,#fff 0%,#fff 55%,#f0e5d2 55%,#f0e5d2 100%);
}
.stats{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:18px;
  margin-top:28px;
}
.stat{
  background:#fff;
  border:1px solid var(--line);
  padding:22px;
  text-align:center;
}
.stat strong{
  display:block;
  color:var(--navy);
  font-size:30px;
  line-height:1;
}
.stat span{
  font-family:Arial,sans-serif;
  font-size:13px;
  color:var(--muted);
}
.feature-row{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:18px;
  margin-top:24px;
}
.feature{
  background:#fff;
  border-left:5px solid var(--sand);
  padding:20px;
  box-shadow:0 10px 24px rgba(24,35,59,.05);
}
.feature h3{font-size:19px;margin-bottom:8px}
.timeline{
  margin-top:28px;
  border-left:3px solid var(--sand);
  padding-left:24px;
}
.step{
  position:relative;
  margin-bottom:24px;
  background:#fff;
  border:1px solid var(--line);
  padding:20px 22px;
}
.step:before{
  content:"";
  position:absolute;
  left:-34px;
  top:22px;
  width:16px;
  height:16px;
  background:var(--green);
  border:4px solid var(--cream);
  border-radius:50%;
}
.image-strip{
  display:grid;
  grid-template-columns:1.2fr .8fr;
  gap:22px;
  margin-top:32px;
}
.image-strip img{
  height:270px;
  width:100%;
  object-fit:cover;
  border:8px solid #fff;
  box-shadow:0 12px 28px rgba(24,35,59,.12);
}
.notice{
  background:#fff8e8;
  border:1px solid #ead39a;
  padding:22px;
  margin-top:22px;
  font-family:Arial,sans-serif;
  color:#4e442e;
}
.check-list{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:14px;
  margin-top:20px;
}
.check{
  background:#fff;
  border:1px solid var(--line);
  padding:16px;
  font-family:Arial,sans-serif;
}
.check:before{
  content:"✓";
  color:var(--green);
  font-weight:700;
  margin-right:8px;
}
.contact-grid{
  display:grid;
  grid-template-columns:1fr 1fr 1fr;
  gap:18px;
  margin-top:26px;
}
.contact-card{
  background:#fff;
  border:1px solid var(--line);
  padding:22px;
}
.policy-box{
  background:#f8f5ef;
  border:1px solid var(--line);
  padding:22px;
  margin-top:18px;
}
@media(max-width:820px){
  .stats,.feature-row,.image-strip,.check-list,.contact-grid{grid-template-columns:1fr}
  .split-band{background:#fff}
}