:root {
  --navy: #121f3a;
  --navy-2: #1b2b4d;
  --ink: #18202f;
  --muted: #5a6476;
  --line: #e3e7ee;
  --bg: #ffffff;
  --soft: #f5f7fa;
  --accent: #c9a24a;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: "Poppins", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  line-height: 1.65;
  font-size: 17px;
}

a { color: var(--navy-2); }

.wrap { max-width: 1040px; margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header { background: var(--navy); }
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding-top: 14px; padding-bottom: 14px;
}
.brand { display: flex; align-items: center; color: #fff; text-decoration: none; font-weight: 600; letter-spacing: .04em; }
.nav { display: flex; gap: 20px; flex-wrap: wrap; }
.nav a { color: #dfe5f0; text-decoration: none; font-size: 15px; }
.nav a:hover { color: #fff; }

/* Hero */
.hero { background: var(--navy); color: #fff; text-align: center; padding: 24px 0 64px; }
.hero img { width: 100%; max-width: 760px; height: auto; display: block; margin: 0 auto; }
.hero p { max-width: 640px; margin: 8px auto 28px; color: #d3dae7; font-size: 19px; }
.btn {
  display: inline-block; padding: 12px 22px; border-radius: 6px;
  background: #fff; color: var(--navy); font-weight: 600; text-decoration: none;
}
.btn.ghost { background: transparent; color: #fff; border: 1px solid #5b6b8c; margin-left: 8px; }

/* Sections */
section { padding: 64px 0; }
section.alt { background: var(--soft); }
h1, h2, h3 { line-height: 1.25; color: var(--navy); }
h2 { font-size: 30px; margin: 0 0 12px; }
.lead { color: var(--muted); max-width: 680px; margin: 0 0 36px; }

.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 18px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 22px; }
.card h3 { margin: 0 0 6px; font-size: 19px; }
.card p { margin: 0; color: var(--muted); font-size: 15.5px; }
.card .bar { width: 32px; height: 3px; background: var(--accent); margin-bottom: 14px; border-radius: 2px; }

.contact { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; }
.contact .card strong { display: block; color: var(--navy); margin-bottom: 4px; }

/* Policy pages */
.doc { padding: 48px 0 72px; }
.doc .wrap { max-width: 780px; }
.doc h1 { font-size: 34px; margin: 0 0 4px; }
.doc .meta { color: var(--muted); margin: 0 0 32px; }
.doc h2 { font-size: 22px; margin: 36px 0 8px; }
.doc ul { padding-left: 22px; }
.doc .callout { background: var(--soft); border-left: 3px solid var(--accent); padding: 14px 18px; border-radius: 4px; }

/* Footer */
.site-footer { background: var(--navy); color: #c3cbdb; font-size: 14.5px; padding: 32px 0; }
.site-footer .wrap { display: flex; flex-wrap: wrap; gap: 12px 28px; justify-content: space-between; }
.site-footer a { color: #fff; }
.site-footer nav { display: flex; gap: 18px; flex-wrap: wrap; }

@media (max-width: 560px) {
  body { font-size: 16px; }
  h2 { font-size: 25px; }
  .hero p { font-size: 17px; }
  .btn.ghost { margin: 10px 0 0; }
  .nav { gap: 14px; }
}