:root {
  --navy: #0b2a4a;
  --navy-deep: #07192c;
  --gold: #c9a24d;
  --gold-soft: #e4c57a;
  --paper: #f6f3ec;
  --ink: #1c2430;
  --muted: #5c6674;
  --line: #e4ddd0;
  --white: #fffdf8;
  --max: 1080px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font: 17px/1.65 "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
}

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

.wrap {
  width: min(var(--max), calc(100% - 40px));
  margin: 0 auto;
}

.top {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 24px;
  padding: 28px 0 18px;
  border-bottom: 1px solid var(--line);
}

.logo {
  text-decoration: none;
  color: var(--navy);
  font-weight: 700;
  letter-spacing: 0.04em;
  line-height: 1.05;
  text-transform: uppercase;
}

.logo small {
  display: block;
  color: var(--gold);
  font-size: 0.68rem;
  letter-spacing: 0.18em;
}

nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-size: 0.74rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

nav a {
  color: var(--muted);
  text-decoration: none;
}

nav a:hover,
nav a.on { color: var(--navy); }

.hero {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
  padding: 64px 0 56px;
}

.kicker {
  margin: 0 0 10px;
  color: var(--gold);
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-size: 0.76rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

h1 {
  margin: 0 0 16px;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.1rem);
  font-weight: 600;
  line-height: 1.15;
}

.lead, p, li { color: var(--muted); }

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 13px 20px;
  border-radius: 4px;
  text-decoration: none;
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-weight: 700;
  font-size: 0.92rem;
}

.btn-gold {
  background: var(--gold);
  color: #1a1408;
}

.btn-ghost {
  border: 1px solid var(--line);
  color: var(--navy);
  background: transparent;
}

.panel-mark {
  min-height: 260px;
  border-radius: 8px;
  background:
    linear-gradient(160deg, rgba(201, 162, 77, 0.22), transparent 46%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
  box-shadow: 0 18px 40px rgba(11, 42, 74, 0.18);
}

.section { padding: 20px 0 56px; }

h2 {
  margin: 0 0 16px;
  color: var(--navy);
  font-size: clamp(1.5rem, 3vw, 2rem);
}

.grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 22px 20px;
}

.card h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-size: 1.08rem;
}

.process {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 28px 32px;
}

.process ol { margin: 0; padding-left: 1.2rem; }
.process li { margin: 8px 0; }

.contact {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px 24px;
  align-items: center;
  padding: 28px;
  background: var(--navy);
  color: #f3efe4;
}

.contact h2,
.contact p { color: #e8e2d4; }
.contact a.mail {
  color: var(--gold-soft);
  font-weight: 700;
  text-decoration: none;
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

.doc { padding: 40px 0 80px; max-width: 760px; }
.doc h1 { font-size: 2rem; }
.doc h2 { margin-top: 28px; font-size: 1.2rem; }

.foot {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px 18px;
  padding: 22px 0 40px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-size: 0.86rem;
}

.foot a { color: var(--muted); text-decoration: none; }

@media (max-width: 820px) {
  .hero, .grid { grid-template-columns: 1fr; }
  .top { flex-direction: column; align-items: flex-start; }
}