@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  --navy:    #0b2d59;
  --navy-dk: #071e3d;
  --gold:    #c8981a;
  --gold-lt: #f5c540;
  --bg:      #f5f7fa;
  --white:   #ffffff;
  --text:    #1c1c2e;
  --muted:   #5a6375;
  --border:  #d5dce8;
  --radius:  8px;
  --shadow:  0 4px 24px rgba(11,45,89,.12);
  --trans:   .2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; color: var(--text); background: var(--white); line-height: 1.65; }
img { max-width: 100%; display: block; }
a   { color: inherit; text-decoration: none; }
ul  { list-style: none; }

h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 700; line-height: 1.25; }
h3 { font-size: 1.15rem; font-weight: 600; }
h4 { font-size: 1rem; font-weight: 600; }
p  { color: var(--muted); line-height: 1.7; }

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
section { padding: 84px 0; }

/* ---- HEADER / NAV ---- */
header { position: sticky; top: 0; z-index: 100; background: var(--white); border-bottom: 1px solid var(--border); box-shadow: 0 1px 6px rgba(0,0,0,.05); }
nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }

.logo { display: flex; align-items: center; gap: 10px; }
.logo img { height: 44px; }
.logo-text { font-size: 1.05rem; font-weight: 700; color: var(--navy); line-height: 1.25; }
.logo-text span { display: block; font-size: .7rem; font-weight: 400; color: var(--muted); letter-spacing: .04em; }
.footer-brand .logo img { height: 44px; }

.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-links > li > a { display: block; padding: 8px 14px; border-radius: var(--radius); font-size: .875rem; font-weight: 500; color: var(--text); transition: color var(--trans), background var(--trans); }
.nav-links > li > a:hover { color: var(--navy); background: var(--bg); }

/* dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown::after { content: ''; position: absolute; bottom: -12px; left: 0; right: 0; height: 12px; }
.nav-dropdown > a::after { content: ' ▾'; font-size: .7em; opacity: .55; }
.dropdown { display: none; position: absolute; top: calc(100% + 12px); left: 50%; transform: translateX(-50%); background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); min-width: 220px; padding: 6px; z-index: 200; }
.dropdown li a { display: block; padding: 10px 14px; font-size: .875rem; border-radius: 6px; transition: background var(--trans), color var(--trans); }
.dropdown li a:hover { background: var(--bg); color: var(--navy); }
.nav-dropdown:hover .dropdown { display: block; }

.btn-nav { background: var(--navy) !important; color: var(--white) !important; padding: 9px 18px !important; border-radius: var(--radius) !important; font-weight: 600 !important; }
.btn-nav:hover { background: var(--navy-dk) !important; }
.btn-nav::after { display: none !important; }

.lang a { padding: 6px 12px; border: 1px solid var(--border); border-radius: var(--radius); font-size: .82rem; color: var(--muted); transition: border-color var(--trans), color var(--trans); }
.lang a:hover { border-color: var(--navy); color: var(--navy); }

.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: all var(--trans); }

/* ---- HERO ---- */
.hero { background: linear-gradient(140deg, var(--navy) 0%, #163d78 60%, #1d4f96 100%); padding: 110px 0 90px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Ccircle cx='20' cy='20' r='10'/%3E%3C/g%3E%3C/svg%3E"); }
.hero .container { position: relative; }
.hero-inner { max-width: 640px; }
.hero-badge { display: inline-block; background: rgba(200,152,26,.15); border: 1px solid rgba(200,152,26,.35); color: #f5c540; padding: 5px 14px; border-radius: 20px; font-size: .78rem; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; margin-bottom: 24px; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero > .container > .hero-inner > p { color: rgba(255,255,255,.78); font-size: 1.05rem; margin-bottom: 36px; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---- BUTTONS ---- */
.btn { display: inline-block; padding: 13px 28px; border-radius: var(--radius); font-weight: 600; font-size: .9rem; cursor: pointer; border: 2px solid transparent; transition: all var(--trans); text-align: center; }
.btn-primary { background: var(--gold); color: #fff; border-color: var(--gold); }
.btn-primary:hover { background: #dfa81c; border-color: #dfa81c; }
.btn-outline { background: transparent; border-color: rgba(255,255,255,.35); color: var(--white); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.08); }
.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-dk); border-color: var(--navy-dk); }

/* ---- SECTION HEADING ---- */
.section-heading { text-align: center; margin-bottom: 56px; }
.label { display: inline-block; color: var(--gold); font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 10px; }
.section-heading h2 { color: var(--navy); margin-bottom: 14px; }
.section-heading p { max-width: 560px; margin: 0 auto; }

/* ---- CARDS ---- */
.cards { display: grid; gap: 24px; }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.cards-2 { grid-template-columns: repeat(2, 1fr); }

.card { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 32px; transition: box-shadow var(--trans), transform var(--trans); }
.card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.card-icon { width: 52px; height: 52px; background: var(--bg); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; font-size: 1.5rem; }
.card h3 { color: var(--navy); margin-bottom: 10px; }
.card-link { display: inline-flex; align-items: center; gap: 4px; margin-top: 18px; color: var(--navy); font-weight: 600; font-size: .875rem; border-bottom: 2px solid var(--gold); padding-bottom: 1px; transition: color var(--trans); }
.card-link:hover { color: var(--gold); }

/* ---- PILLARS (core values) ---- */
.bg-light { background: var(--bg); }
.bg-navy  { background: var(--navy); }

.pillars { display: grid; grid-template-columns: repeat(3, 1fr); }
.pillar { padding: 48px 32px; text-align: center; border-right: 1px solid rgba(255,255,255,.08); }
.pillar:last-child { border-right: none; }
.pillar-num { font-size: 3.5rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 14px; }
.bg-navy .pillar h3 { color: var(--white); margin-bottom: 10px; }
.bg-navy .pillar p  { color: rgba(255,255,255,.6); }

/* ---- PROCESS STEPS ---- */
.steps { display: grid; grid-template-columns: repeat(7, 1fr); gap: 12px; }
.step { text-align: center; padding: 24px 12px; position: relative; }
.step:not(:last-child)::after { content: '→'; position: absolute; right: -8px; top: 30px; color: var(--border); font-size: 1.1rem; }
.step-num { width: 48px; height: 48px; border-radius: 50%; background: var(--navy); color: var(--white); font-weight: 700; font-size: 1.05rem; display: flex; align-items: center; justify-content: center; margin: 0 auto 14px; }
.step h4 { color: var(--navy); margin-bottom: 6px; font-size: .9rem; }
.step p  { font-size: .8rem; }

/* ---- STATS ---- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center; }
.stat-num { font-size: 2.5rem; font-weight: 800; color: var(--navy); line-height: 1; margin-bottom: 8px; }
.stat-num span { color: var(--gold); }
.stat p { font-size: .875rem; }

/* ---- RATES TABLE ---- */
.table-wrap { overflow-x: auto; border-radius: 10px; border: 1px solid var(--border); }
.rates-table { width: 100%; border-collapse: collapse; font-size: .9rem; }
.rates-table th { background: var(--navy); color: var(--white); padding: 14px 20px; text-align: left; font-weight: 600; white-space: nowrap; }
.rates-table td { padding: 13px 20px; border-bottom: 1px solid var(--border); }
.rates-table tr:last-child td { border-bottom: none; }
.rates-table tr:hover td { background: var(--bg); }
.rate { font-weight: 600; color: var(--navy); }
.rates-note { font-size: .78rem; color: var(--muted); margin-top: 14px; line-height: 1.6; }

/* ---- CONTACT ---- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 64px; align-items: start; }
.contact-info h3 { color: var(--navy); margin-bottom: 28px; }
.info-item { display: flex; gap: 14px; margin-bottom: 22px; align-items: flex-start; }
.info-icon { width: 42px; height: 42px; border-radius: 10px; background: var(--bg); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0; }
.info-label { font-size: .72rem; color: var(--muted); margin-bottom: 3px; text-transform: uppercase; letter-spacing: .04em; }
.info-value { font-weight: 500; color: var(--text); font-size: .95rem; }
.info-value a { color: var(--navy); }
.info-value a:hover { color: var(--gold); }

.contact-form { background: var(--white); border: 1px solid var(--border); border-radius: 14px; padding: 40px; box-shadow: var(--shadow); }
.contact-form h3 { color: var(--navy); margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .82rem; font-weight: 600; margin-bottom: 6px; color: var(--text); }
.form-group input,
.form-group select,
.form-group textarea { width: 100%; padding: 11px 14px; border: 1px solid var(--border); border-radius: var(--radius); font-size: .9rem; color: var(--text); background: var(--white); font-family: inherit; transition: border-color var(--trans), box-shadow var(--trans); }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(11,45,89,.08); }
.form-group textarea { resize: vertical; min-height: 110px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* ---- FOOTER ---- */
footer { background: var(--navy-dk); color: rgba(255,255,255,.65); padding: 72px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand .logo-text { color: var(--white); }
.footer-brand .logo-text span { color: rgba(255,255,255,.5); }
.footer-brand p { margin-top: 14px; font-size: .85rem; line-height: 1.7; max-width: 280px; color: rgba(255,255,255,.55); }
footer h4 { color: var(--white); font-size: .875rem; margin-bottom: 18px; }
.footer-links a { display: block; font-size: .85rem; margin-bottom: 10px; color: rgba(255,255,255,.55); transition: color var(--trans); }
.footer-links a:hover { color: var(--gold); }
.footer-links address { font-style: normal; font-size: .85rem; color: rgba(255,255,255,.55); line-height: 1.6; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 28px; display: flex; justify-content: space-between; align-items: center; font-size: .78rem; flex-wrap: wrap; gap: 10px; }

/* ---- PAGE HERO (inner pages) ---- */
.page-hero { background: linear-gradient(140deg, var(--navy) 0%, #163d78 100%); color: var(--white); padding: 64px 0; }
.page-hero h1 { color: var(--white); font-size: clamp(1.8rem, 3.5vw, 2.6rem); margin-bottom: 12px; }
.page-hero p  { color: rgba(255,255,255,.72); max-width: 560px; }
.breadcrumb   { font-size: .8rem; color: rgba(255,255,255,.4); margin-bottom: 18px; }
.breadcrumb a { color: rgba(255,255,255,.55); }
.breadcrumb a:hover { color: rgba(255,255,255,.9); }
.breadcrumb span { margin: 0 6px; }

/* ---- FEATURE LIST ---- */
.feature-list { display: grid; gap: 14px; }
.feature-item { display: flex; gap: 12px; align-items: flex-start; }
.feature-check { width: 22px; height: 22px; border-radius: 50%; background: #e4f2e4; color: #2a7a2a; display: flex; align-items: center; justify-content: center; font-size: .72rem; flex-shrink: 0; margin-top: 3px; }
.feature-item p { margin: 0; font-size: .9rem; }

/* ---- TWO-COL CONTENT ---- */
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.content-block .label { text-align: left; }
.content-block h2 { color: var(--navy); margin-bottom: 14px; }
.content-block p  { margin-bottom: 20px; }

/* ---- CTA BAND ---- */
.cta-band { background: linear-gradient(140deg, var(--navy), #163d78); padding: 84px 0; text-align: center; }
.cta-band h2 { color: var(--white); margin-bottom: 14px; }
.cta-band p  { color: rgba(255,255,255,.72); max-width: 540px; margin: 0 auto 36px; }

/* ---- RATES PAGE TABS ---- */
.tabs { display: flex; gap: 4px; margin-bottom: 28px; }
.tab { padding: 10px 22px; border-radius: var(--radius); border: 1px solid var(--border); font-size: .875rem; font-weight: 600; cursor: pointer; background: var(--white); color: var(--muted); transition: all var(--trans); }
.tab.active { background: var(--navy); color: var(--white); border-color: var(--navy); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ---- REVIEWS ---- */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 32px; display: flex; flex-direction: column; transition: box-shadow var(--trans), transform var(--trans); }
.review-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.review-stars { color: var(--gold); font-size: 1.05rem; letter-spacing: 3px; margin-bottom: 16px; }
.review-quote { flex: 1; font-size: .92rem; color: var(--text); line-height: 1.75; margin-bottom: 24px; font-style: italic; }
.review-author { display: flex; align-items: center; gap: 12px; border-top: 1px solid var(--border); padding-top: 18px; }
.review-avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: var(--white); font-weight: 700; font-size: .875rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.review-name { font-weight: 600; color: var(--text); font-size: .875rem; line-height: 1.3; }
.review-meta { font-size: .78rem; color: var(--muted); margin-top: 2px; }

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .cards-3     { grid-template-columns: repeat(2, 1fr); }
  .reviews     { grid-template-columns: repeat(2, 1fr); }
  .steps       { grid-template-columns: repeat(4, 1fr); }
  .step:nth-child(4n)::after { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats       { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  section { padding: 60px 0; }

  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--border); padding: 12px 0 20px; gap: 0; z-index: 99; box-shadow: 0 8px 20px rgba(0,0,0,.08); }
  .nav-links.open > li > a { padding: 12px 24px; border-radius: 0; }
  .dropdown { position: static; transform: none; box-shadow: none; border: none; background: var(--bg); border-radius: 0; padding: 0; min-width: 0; }
  .nav-dropdown:hover .dropdown { display: none; }
  .nav-dropdown.open .dropdown { display: block; }
  .hamburger { display: flex; }

  .cards-3, .cards-2, .pillars, .steps, .footer-grid,
  .contact-grid, .content-grid, .stats, .reviews { grid-template-columns: 1fr; }
  .pillar { border-right: none; border-bottom: 1px solid rgba(255,255,255,.08); }
  .pillar:last-child { border-bottom: none; }
  .step::after { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero { padding: 72px 0 56px; }
  .hero-actions { flex-direction: column; }
}

@media (max-width: 480px) {
  .rates-table th, .rates-table td { padding: 10px 14px; font-size: .82rem; }
  .contact-form { padding: 28px 20px; }
}