:root{
  --navy:#0a1b3d;
  --navy-2:#061229;
  --navy-3:#122a55;
  --gold:#d4a437;
  --gold-2:#f3d27a;
  --ink:#101828;
  --body:#475467;
  --line:#e6e3da;
  --cream:#faf8f3;
  --wrap:1140px;
  --r:16px;
  --shadow:0 18px 40px -24px rgba(10,27,61,.45);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
  color:var(--body);
  background:#fff;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{color:var(--ink);line-height:1.2;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.1rem,5.2vw,3.4rem)}
h2{font-size:clamp(1.5rem,3.4vw,2.2rem)}
h3{font-size:1.1rem}
p{margin:0 0 1rem}
ul{margin:0;padding:0;list-style:none}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.gold{
  background:linear-gradient(100deg,var(--gold),var(--gold-2) 55%,var(--gold));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.eyebrow{
  font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold);margin:0 0 .6rem;
}
.lead{font-size:1.06rem}
.muted{color:#98a2b3}
.skip{position:absolute;left:-999px}
.skip:focus{left:16px;top:16px;z-index:99;background:#fff;padding:10px 16px;border-radius:8px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:6px}

/* ---------- nav ---------- */
.nav{
  position:sticky;top:0;z-index:50;
  background:rgba(6,18,41,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid rgba(212,164,55,.22);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:70px}
.logo{display:flex;align-items:center;text-decoration:none}
.logo img{height:46px;width:auto;display:block}
.menu{display:flex;align-items:center;gap:28px}
.menu a{color:#dfe5f0;text-decoration:none;font-size:.94rem;font-weight:500}
.menu a:hover{color:var(--gold-2)}
.menu .btn{color:var(--navy-2)}

.burger{display:none;background:none;border:0;padding:10px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--gold);margin:5px 0;transition:.25s}
.burger.x span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.x span:nth-child(2){opacity:0}
.burger.x span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- buttons ---------- */
.btn{
  display:inline-block;padding:13px 26px;border-radius:999px;
  font-weight:600;font-size:.95rem;text-decoration:none;transition:.2s;white-space:nowrap;
}
.btn-sm{padding:9px 20px;font-size:.88rem}
.btn-gold{
  background:linear-gradient(100deg,var(--gold),var(--gold-2));
  color:var(--navy-2);box-shadow:0 10px 24px -12px rgba(212,164,55,.9);
}
.btn-gold:hover{filter:brightness(1.07);transform:translateY(-1px)}
.btn-ghost{border:1px solid rgba(212,164,55,.6);color:var(--gold-2)}
.btn-ghost:hover{background:rgba(212,164,55,.12)}
.contact .btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}

/* ---------- hero ---------- */
.hero{
  position:relative;overflow:hidden;color:#dbe3f0;
  background:
    radial-gradient(900px 420px at 82% 8%,rgba(212,164,55,.18),transparent 60%),
    linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 65%);
  padding:clamp(60px,9vw,110px) 0 clamp(70px,9vw,120px);
}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(30px,5vw,64px);align-items:center}
.hero h1{color:#fff}
.hero .lead{max-width:38ch;color:#b9c4d8}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 0}

.trust{display:flex;flex-wrap:wrap;gap:14px;margin-top:38px}
.trust li{
  flex:1 1 150px;padding:14px 16px;border-radius:12px;
  background:rgba(255,255,255,.05);border:1px solid rgba(212,164,55,.22);
}
.trust b{display:block;color:var(--gold-2);font-size:.95rem}
.trust span{font-size:.82rem;color:#9fadc4}

.vcard{
  background:linear-gradient(150deg,#fff,var(--cream));
  border-radius:22px;padding:30px 28px;color:var(--body);
  border-top:4px solid var(--gold);
  box-shadow:0 30px 60px -30px rgba(0,0,0,.6);
}
.vcard-label{font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:700;margin:0}
.vcard h2{font-size:1.35rem;margin:.3rem 0 1rem}
.vcard ul li{
  position:relative;padding:9px 0 9px 26px;font-size:.94rem;
  border-bottom:1px dashed var(--line);
}
.vcard ul li:last-child{border:0}
.vcard ul li::before{
  content:"";position:absolute;left:2px;top:16px;width:8px;height:8px;border-radius:50%;
  background:linear-gradient(120deg,var(--gold),var(--gold-2));
}
.vcard-link{
  display:inline-block;margin-top:16px;font-weight:600;font-size:.92rem;
  color:var(--navy);text-decoration:none;border-bottom:2px solid var(--gold);padding-bottom:2px;
}

/* ---------- sections ---------- */
.section{padding:clamp(56px,8vw,96px) 0}
.band{background:var(--cream)}
.head{max-width:640px;margin-bottom:clamp(28px,4vw,48px)}
.head h2{margin:0}

.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;grid-auto-rows:1fr}

.scard{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:28px 26px;transition:.25s;position:relative;overflow:hidden;
  display:flex;flex-direction:column;
}
.scard::before{
  content:"";position:absolute;left:0;top:0;height:3px;width:100%;
  background:linear-gradient(90deg,var(--gold),var(--gold-2));
  transform:scaleX(0);transform-origin:left;transition:transform .3s;
}
.scard:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(212,164,55,.5)}
.scard:hover::before{transform:scaleX(1)}
.ico{
  display:grid;place-items:center;width:52px;height:52px;border-radius:14px;margin-bottom:18px;
  background:linear-gradient(150deg,var(--navy),var(--navy-3));
}
.ico svg{width:24px;height:24px;fill:none;stroke:var(--gold-2);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.scard p{font-size:.95rem}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;margin-bottom:22px}
.chips li{
  font-size:.76rem;font-weight:600;padding:5px 11px;border-radius:999px;
  background:rgba(212,164,55,.14);color:#7d5f12;
}
.sphoto{
  order:98;margin:0 -26px;margin-top:auto;width:calc(100% + 52px);max-width:none;
  aspect-ratio:16/10;object-fit:cover;
  border-top:3px solid var(--gold);
  filter:saturate(1.02);
}
.tc-btn{
  order:99;margin:0 -26px -28px;width:calc(100% + 52px);cursor:pointer;
  padding:13px;text-align:center;font:inherit;font-size:.85rem;font-weight:600;
  letter-spacing:.02em;color:var(--gold-2);
  background:linear-gradient(150deg,var(--navy),var(--navy-2));
  border:0;border-top:1px solid rgba(212,164,55,.35);
  transition:.2s;
}
.tc-btn:hover{color:#fff;background:linear-gradient(150deg,var(--navy-3),var(--navy))}

.why-grid{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.wcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 24px}
.wcard b{
  display:block;font-size:1.7rem;margin-bottom:8px;
  background:linear-gradient(120deg,var(--gold),var(--gold-2));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.wcard p{font-size:.93rem;margin:0}

/* ---------- about ---------- */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,60px);align-items:center}
.about-media{
  margin:0;padding:18px;border-radius:20px;
  border:2px solid var(--gold);
  background:
    radial-gradient(500px 300px at 80% 10%,rgba(212,164,55,.18),transparent 60%),
    linear-gradient(155deg,var(--navy),var(--navy-2));
  box-shadow:var(--shadow),0 0 0 6px rgba(212,164,55,.08);
}
.about-media img{border-radius:12px;display:block;width:100%}
.ticks li{position:relative;padding:8px 0 8px 30px;font-size:.96rem}
.ticks li::before{
  content:"✓";position:absolute;left:0;top:8px;width:20px;height:20px;border-radius:50%;
  display:grid;place-items:center;font-size:.7rem;color:var(--navy);
  background:linear-gradient(120deg,var(--gold),var(--gold-2));
}
/* ---------- team ---------- */
.team-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.tcard{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:28px 26px;text-align:center;transition:.25s;
}
.tcard:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(212,164,55,.5)}
.tcard>img{
  width:110px;height:110px;border-radius:50%;object-fit:cover;
  margin:0 auto 16px;display:block;border:3px solid var(--gold);
  box-shadow:0 10px 24px -14px rgba(10,27,61,.6);
}
.tcard h3{margin:0 0 4px}
.trole{display:block;font-size:.82rem;font-weight:700;color:#8a6a17;margin-bottom:16px}
.tcard .ticks{display:inline-block;text-align:left}

/* ---------- contact ---------- */
.contact{
  color:#cfd8e8;
  background:
    radial-gradient(700px 340px at 90% 0%,rgba(212,164,55,.16),transparent 60%),
    linear-gradient(160deg,var(--navy),var(--navy-2));
}
.contact h2{color:#fff}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,60px);align-items:start}
.info{border-top:1px solid rgba(255,255,255,.12)}
.info li{
  display:grid;grid-template-columns:90px 1fr;gap:16px;align-items:start;
  padding:16px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:.96rem;
}
.info li>span{color:var(--gold-2);font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding-top:3px}
.info a{color:#fff;text-decoration:none}
.info a:hover{color:var(--gold-2)}

/* ---------- T&C dialog ---------- */
.tc-dialog{
  width:min(680px,92vw);max-height:85vh;padding:0;border:0;border-radius:18px;
  color:var(--body);box-shadow:0 40px 90px -30px rgba(0,0,0,.6);
  border-top:5px solid var(--gold);overflow:hidden;
}
.tc-dialog::backdrop{background:rgba(6,18,41,.6);backdrop-filter:blur(3px)}
.tc-dialog h3{
  margin:0;padding:24px 56px 18px 28px;color:#fff;
  background:linear-gradient(150deg,var(--navy),var(--navy-2));font-size:1.15rem;
}
.tc-body{padding:24px 28px 8px;max-height:calc(85vh - 170px);overflow-y:auto}
.tc-body p{font-size:.95rem}
.tc-body ol{margin:0;padding-left:20px;display:grid;gap:12px}
.tc-body li{font-size:.92rem;line-height:1.6}
.tc-body b{color:var(--ink)}
.tc-note{margin:0;padding:14px 28px 22px;font-size:.8rem;color:#98a2b3;border-top:1px solid var(--line)}
.tc-close{
  position:absolute;top:14px;right:16px;z-index:1;cursor:pointer;
  width:34px;height:34px;border-radius:50%;border:0;
  background:rgba(255,255,255,.15);color:#fff;font-size:1.4rem;line-height:1;
}
.tc-close:hover{background:rgba(255,255,255,.28)}

/* ---------- footer + fab ---------- */
.foot{background:#040d1e;color:#8fa0bb;padding:28px 0;font-size:.88rem}
.foot-inner{display:flex;flex-wrap:wrap;gap:8px;justify-content:space-between;align-items:center}
.foot p{margin:0}
.foot b{color:#fff}

.fab{
  position:fixed;right:18px;bottom:18px;z-index:60;
  width:54px;height:54px;border-radius:50%;display:grid;place-items:center;
  background:linear-gradient(140deg,var(--gold),var(--gold-2));
  box-shadow:0 14px 30px -12px rgba(0,0,0,.6);transition:.2s;
}
.fab svg{width:26px;height:26px;fill:none;stroke:var(--navy-2);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.fab:hover{transform:scale(1.06)}

/* ---------- responsive ---------- */
@media (max-width:900px){
  .hero-grid,.about-grid,.contact-grid{grid-template-columns:1fr}
  .about-media{order:2}
}
@media (max-width:760px){
  .burger{display:block}
  .menu{
    display:none;position:absolute;left:0;right:0;top:100%;
    flex-direction:column;align-items:stretch;gap:0;
    background:var(--navy-2);border-bottom:1px solid rgba(212,164,55,.25);
    padding:8px 20px 20px;
  }
  .menu.open{display:flex}
  .menu a{padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08)}
  .menu .btn{margin-top:14px;text-align:center;border-bottom:0}
  .nav-inner{position:relative}
  .hero .lead{max-width:none}
  .cta-row .btn{flex:1 1 100%;text-align:center}
  .info li{grid-template-columns:1fr;gap:4px}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important}
  html{scroll-behavior:auto}
}