:root{
  --gold: #C8A24A;
  --navy: #0C2239;
  --white: #FFFFFF;
  --charcoal: #444444;
  --light: #F6F7FB;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family: 'Poppins', system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;color:var(--charcoal);background:#fff;line-height:1.6}
a{color:var(--navy);text-decoration:none}
img{max-width:100%;height:auto}
.container{width:min(1180px, 92%);margin-inline:auto}
.btn{display:inline-block;padding:12px 20px;border-radius:8px;font-weight:600;letter-spacing:.2px;transition:.2s ease}
.btn-primary{background:var(--gold);color:#fff}
.btn-primary:hover{filter:brightness(0.95)}
.btn-outline{border:2px solid var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.tag{display:inline-block;background:var(--light);padding:6px 10px;border-radius:999px;font-size:.85rem;color:#222}

/* Header */
.header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid #eee}
.header .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{display:flex;gap:10px;align-items:center}
.brand img{height:36px}
.brand span{font-weight:800;color:var(--navy);font-size:1.15rem;letter-spacing:.5px}
.nav{display:flex;gap:22px;align-items:center}
.nav a{font-weight:500;color:#1a1a1a}
.cta{margin-left:8px}
.mobile-toggle{display:none;background:none;border:none;font-size:28px}

@media (max-width:900px){
  .nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid #eee;padding:14px 0}
  .nav.open{display:flex;flex-direction:column;gap:14px;padding:18px 24px}
  .mobile-toggle{display:block}
}

/* Hero */
.hero{background:linear-gradient(180deg,#fff, #fafbfe)}
.hero .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center;padding:72px 0}
.hero h1{font-size:clamp(2.1rem,5vw,3.2rem);color:var(--navy);line-height:1.15;margin:0 0 12px}
.hero p{font-size:1.05rem;max-width:60ch;margin:0 0 18px}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap}
@media (max-width:900px){
  .hero .wrap{grid-template-columns:1fr;padding:48px 0}
}
.hero .badge{margin-bottom:10px}

/* Sections */
.section{padding:56px 0}
.section h2{font-size:1.9rem;color:var(--navy);margin:0 0 8px}
.section p.lead{color:#555;max-width:70ch}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:20px}
.card{border:1px solid #eee;border-radius:14px;padding:20px;background:#fff}
.card h3{margin:0 0 6px;color:#111;font-size:1.15rem}
.card p{margin:0;color:#555}
.icon{width:44px;height:44px;border-radius:12px;background:var(--light);display:flex;align-items:center;justify-content:center;margin-bottom:10px;color:var(--navy);font-weight:700}
.kpi{display:flex;gap:18px;flex-wrap:wrap;margin-top:12px}
.kpi .pill{background:var(--light);padding:10px 12px;border-radius:12px;font-weight:600;color:#222}

/* Insights */
.post{display:flex;flex-direction:column;gap:8px}
.post .meta{font-size:.85rem;color:#666}

/* Contact */
.form{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}
.form textarea{grid-column:1/-1;min-height:140px}
.input, textarea, select{width:100%;padding:12px 14px;border:1px solid #ddd;border-radius:10px;font:inherit}
.input:focus, textarea:focus, select:focus{outline:2px solid var(--gold);border-color:var(--gold)}

/* Footer */
.footer{background:var(--navy);color:#cfd7e3;padding:36px 0;margin-top:48px}
.footer a{color:#cfd7e3}
.footer .columns{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:18px}
.footer h4{margin:0 0 10px;color:#fff}
.footer .bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:18px;padding-top:12px;font-size:.9rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}

@media (max-width:900px){
  .grid-4{grid-template-columns:1fr 1fr}
  .grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .footer .columns{grid-template-columns:1fr 1fr}
}