:root {
  --navy: #0A2540;
  --gold: #E0B83B;
  --text: #1f2937;
}
* { box-sizing: border-box; }
html, body { margin:0; padding:0; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Arial, sans-serif; color: var(--text); }
a { color: var(--navy); text-decoration: none; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
header { position: sticky; top:0; background:#ffffffee; backdrop-filter: blur(8px); border-bottom: 2px solid var(--gold); z-index: 10; }
.nav { display:flex; align-items:center; justify-content: space-between; padding:12px 0; gap:16px; }
.brand-wrap { display:flex; align-items:center; gap:12px; }
.brand-wrap img { height:48px; width:auto; display:block; }
.brand { font-weight: 800; font-size: 20px; letter-spacing:.5px; color: var(--navy); line-height:1.1; }
.tagline { font-size: 12px; color: var(--navy); opacity:.85; margin-top:2px; }
nav a { margin-left: 18px; font-weight:700; }
.hero { background: linear-gradient(180deg, #f9fafb 0%, #ffffff 100%); padding: 72px 0 48px; border-bottom: 4px solid var(--gold); }
.hero h1 { font-size: 42px; line-height: 1.15; margin: 0 0 12px; color: var(--navy); }
.sub { font-size: 18px; color:#4b5563; max-width:800px; }
.cta { margin-top: 20px; display:flex; gap:12px; flex-wrap: wrap; }
.btn { padding: 12px 18px; border-radius: 10px; border:2px solid var(--navy); font-weight:800; color: var(--navy); }
.btn.primary { background: var(--navy); color:white; }
section { padding: 56px 0; }
h2 { font-size: 28px; margin: 0 0 12px; color: var(--navy); }
.grid { display:grid; grid-template-columns: repeat(12, 1fr); gap: 20px; }
.card { grid-column: span 6; padding: 18px; border:1px solid #e5e7eb; border-radius:12px; background:#fff; box-shadow: 0 2px 6px rgba(0,0,0,.04);}
@media (max-width: 800px) {
  .card { grid-column: span 12; }
  .hero h1 { font-size: 34px; }
  nav a { margin-left: 12px; }
}
.kicker { text-transform: uppercase; font-size:12px; letter-spacing:1px; color:#6b7280; }
.muted { color:#4b5563; }
table { width: 100%; border-collapse: collapse; margin-top: 8px; }
th, td { border:1px solid #e5e7eb; padding:12px; text-align:left; }
th { background: var(--navy); color:white; }
tr.total-row td { background: var(--gold); font-weight:800; }
.footer { background: var(--navy); color:#e5e7eb; padding: 40px 0; }
.footer a { color:#e5e7eb; text-decoration: underline; }
.pill { display:inline-block; padding:6px 10px; border:1px solid #e5e7eb; border-radius:999px; margin:4px 6px 0 0; font-size: 13px; color:#374151; }
.contact-block { border:2px solid var(--gold); padding:16px; border-radius:12px; }