:root{--navy:#0a1628;--navy2:#122642;--gold:#c9a227;--gold2:#e6c65c;--ink:#17202e;--bg:#f7f5ef}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
.wrap{max-width:1080px;margin:0 auto;padding:24px 20px}
header{background:var(--navy);position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;gap:20px;justify-content:space-between;padding-top:12px;padding-bottom:12px}
.brand{color:#fff;text-decoration:none;font-weight:800;display:flex;align-items:center;gap:10px}
.brand img{width:42px;height:42px;object-fit:cover;border-radius:8px;border:1px solid var(--gold)}
nav a{color:#dbe4f0;text-decoration:none;margin:0 10px} .call{color:var(--gold2);font-weight:800;text-decoration:none}
.hero{background:linear-gradient(180deg,var(--navy),var(--navy2));color:#fff;padding:28px 0 44px}
.eyebrow{color:var(--gold2);letter-spacing:.08em;text-transform:uppercase;font-size:.82rem;font-weight:700}
h1{font-size:clamp(2.4rem,6vw,4.4rem);line-height:.95;margin:.2em 0} h1 span{color:var(--gold)}
.lead{max-width:640px;font-size:1.15rem;color:#e8edf5}
.btn{display:inline-block;padding:13px 20px;border-radius:999px;font-weight:800;text-decoration:none;margin:6px 6px 6px 0;border:2px solid transparent;cursor:pointer}
.gold{background:var(--gold);color:#111}.outline{border-color:#fff;color:#fff}.outline.dark{border-color:var(--navy);color:var(--navy)}
.hero-img{width:100%;border-radius:18px;margin-top:26px;border:2px solid rgba(201,162,39,.5);object-fit:cover;max-height:420px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
article{border:1px solid #e7e0c8;border-radius:16px;padding:18px;background:var(--bg)}
.band{background:var(--navy);color:#fff}.band p{max-width:680px;color:#e8edf5}
.quote form{display:grid;gap:12px;max-width:640px} input,textarea{width:100%;padding:12px;border:1px solid #ccc;border-radius:10px;font:inherit}
form.apply{display:grid;gap:12px;max-width:640px;margin-top:20px;background:#fff;border:1px solid #e7e0c8;border-radius:16px;padding:20px}
.band form.apply{color:var(--ink)} form.apply h3{margin:0}
.small{font-size:.9rem;color:#666} footer{background:#070f1d;color:#cbd5e1} footer a{color:var(--gold2)}
nav a:hover{color:var(--gold2)} section[id]{scroll-margin-top:92px}
footer .wrap{padding-top:36px;padding-bottom:12px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:28px}
.foot-brand{font-size:1.15rem;font-weight:800;color:#fff;margin:0 0 8px}
footer h4{color:#fff;margin:0 0 12px;font-size:.95rem;letter-spacing:.06em;text-transform:uppercase}
.foot-grid a{display:block;margin:7px 0;text-decoration:none}
.foot-grid a:hover{text-decoration:underline}
footer .light{color:#94a3b8} footer .light a{display:inline;margin:0}
.foot-bar{border-top:1px solid #1c2a42;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:16px;margin-top:8px}
.foot-bar .small{color:#94a3b8} .foot-bar .credit{color:var(--gold2);font-weight:700}
@media(max-width:700px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:700px){nav{display:none}}
.stickybar{position:fixed;left:0;right:0;bottom:0;z-index:50;display:none;gap:10px;padding:10px 12px;background:rgba(7,15,29,.97);border-top:2px solid var(--gold)}
.stickybar a{flex:1;text-align:center;padding:12px;border-radius:999px;font-weight:800;text-decoration:none}
.stickybar .sb-call{background:var(--gold);color:#111}
.stickybar .sb-est{border:2px solid #fff;color:#fff}
@media(max-width:700px){.stickybar{display:flex}body{padding-bottom:68px}}