:root {
        --navy: #0b1f3a;
        --gold: #c9a84c;
        --gold-lt: #e2c97e;
        --gold-dk: #a0832a;
        --white: #fff;
        --off: #f4f4f2;
        --light: #e2e2de;
        --text: #1a1a1a;
        --muted: #5a5a5a;
        --bdr: rgba(11, 31, 58, 0.1);
    }
    *,
    *::before,
    *::after {
        box-sizing: border-box;
        margin: 0;
        padding: 0;
    }
    html {
        scroll-behavior: smooth;
    }
    body {
        font-family: "Open Sans", sans-serif;
        background: var(--white);
        color: var(--text);
        font-size: 16px;
        line-height: 1.7;
    }
    .topbar {
        background:#272a8d;
        padding: 8px 5vw;
        display: flex;
        align-items: center;
        justify-content: flex-end;
        gap: 22px;
        flex-wrap: wrap;
    }
    .topbar a {
        font-size: 13px;
        color: #fff;
		font-weight:bold;
        text-decoration: none;
    }
    .topbar a:hover {
        color: var(--gold-lt);
    }
    nav {
        background: var(--white);
        border-bottom: 3px solid #0e9cdd;
        padding: 0 5vw;
        display: flex;
        align-items: center;
        justify-content: space-between;
        height: 102px;
        position: sticky;
        top: 0;
        z-index: 100;
        box-shadow: 0 2px 16px rgba(11, 31, 58, 0.08);
    }
    .navlogo {
        font-family: "Playfair Display", serif;
        font-size: 22px;
        color: var(--navy);
        text-decoration: none;
        display: flex;
        align-items: center;
        gap: 10px;
    }
    .lm {
        width: 36px;
        height: 36px;
        background: var(--navy);
        border-radius: 4px;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 15px;
        color: var(--gold);
        font-weight: 600;
    }
    .navlogo strong {
        color: var(--gold);
        font-style: italic;
    }
    .navlinks {
        display: flex;
        list-style: none;
    }
    .navlinks li {
        position: relative;
    }
    .navlinks a {
        display: flex;
        align-items: center;
        height: 70px;
        padding: 0 13px;
        font-size: 13px;
        font-weight: 600;
        color: var(--navy);
        text-decoration: none;
        transition: color 0.2s;
    }
    .navlinks a:hover {
        color: #28a9e4;
    }
    .navlinks li:hover > ul {
        display: block;
    }
    .navlinks ul {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        background: #0e1179;
        min-width: 210px;
        z-index: 200;
        border-top: 3px solid #28a9e4;
    }
    .navlinks ul li a {
        height: auto;
        padding: 11px 18px;
        color: rgba(255, 255, 255, 0.75);
        font-size: 13px;
        display: block;
        border-bottom: 1px solid rgba(255, 255, 255, 0.06);
    }
    .navlinks ul li a:hover {
        color: #f5f5f5;
    }
    .navcta {
        background:#0e9cdd;
        color: #fff;
        padding: 9px 20px;
        border-radius: 3px;
        font-size: 13px;
        font-weight: 700;
        text-decoration: none;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        white-space: nowrap;
    }
    .navcta:hover {
        background: var(--gold-dk);
    }
    .wabtn {
        position: fixed;
        bottom: 22px;
        right: 22px;
        z-index: 999;
        background: #25d366;
        color: #fff;
        width: 54px;
        height: 54px;
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 24px;
        text-decoration: none;
        box-shadow: 0 4px 18px rgba(37, 211, 102, 0.4);
        transition: transform 0.2s;
    }
    .wabtn:hover {
        transform: scale(1.1);
    }
    .wap {
        position: absolute;
        inset: -4px;
        border-radius: 50%;
        border: 2px solid #25d366;
        opacity: 0.4;
        animation: pls 2s infinite;
    }
    @keyframes pls {
        0%,
        100% {
            transform: scale(1);
            opacity: 0.4;
        }
        50% {
            transform: scale(1.14);
            opacity: 0;
        }
    }
    .bc {
        background: var(--off);
        padding: 11px 6vw;
        font-size: 13px;
        color: var(--muted);
        border-bottom: 1px solid #0e9cdd;
    }
    .bc a {
        color:#0e9cdd;
        text-decoration: none;
        font-weight: 500;
    }
    .bc a:hover {
        text-decoration: underline;
    }
    .hero {
        background:#2e3190;
        padding: 80px 6vw;
        display: grid;
        grid-template-columns: 1.1fr 1fr;
        gap: 52px;
        align-items: center;
        position: relative;
        overflow: hidden;
        min-height: 54vh;
    }
    .hp {
        position: absolute;
        inset: 0;
        opacity: 0.04;
        background:#0e9cdd;
        background-size: 56px 56px;
    }
    .hl {
        position: relative;
        z-index: 2;
    }
    .hbadge {
        display: inline-flex;
        align-items: center;
        gap: 7px;
        border: 1px solid rgba(201, 168, 76, 0.35);
        border-radius: 2px;
        padding: 6px 13px;
        font-size: 11px;
        letter-spacing: 2px;
        text-transform: uppercase;
        color: #fff;
        margin-bottom: 18px;
        width: fit-content;
    }
    .hdot {
        width: 5px;
        height: 5px;
        border-radius: 50%;
        background: var(--gold);
    }
    .hero h1 {
        font-family: "Playfair Display", serif;
        font-size: clamp(28px, 4vw, 48px);
        color: var(--white);
        line-height: 1.12;
        margin-bottom: 14px;
        letter-spacing: -0.5px;
    }
    .hero h1 em {
        color: #fff;
        font-style: italic;
    }
    .hdesc {
        font-size: 15px;
        color: rgba(255, 255, 255, 0.58);
        line-height: 1.75;
        max-width: 480px;
        margin-bottom: 28px;
    }
    .hbtns {
        display: flex;
        gap: 12px;
        flex-wrap: wrap;
    }
    .btng {
        background: #2ba9e3;
        color: var(--navy);
        padding: 12px 24px;
        border-radius: 3px;
        font-size: 13px;
        font-weight: 700;
        text-decoration: none;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        display: inline-block;
        transition: background 0.2s;
    }
    .btng:hover {
        background:#086996;
    }
    .btngh {
        border: 1px solid #086996;
        color: rgba(255, 255, 255, 0.8);
        padding: 12px 24px;
        border-radius: 3px;
        font-size: 13px;
        text-decoration: none;
        display: inline-block;
        transition: border-color 0.2s;
    }
    .btngh:hover {
        border-color: var(--gold);
    }
    .hright {
        position: relative;
        z-index: 2;
    }
    .spanel {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 11px;
    }
    .sbox {
        background: rgba(255, 255, 255, 0.04);
        border: 1px solid rgba(201, 168, 76, 0.16);
        border-radius: 4px;
        padding: 18px 15px;
    }
    .snum {
        font-family: "Playfair Display", serif;
        font-size: 30px;
        color: #fff;
        line-height: 1;
        margin-bottom: 4px;
    }
    .slbl {
        font-size: 11px;
        color: rgba(255, 255, 255, 0.36);
    }
    .gs {
        background:#2ba9e3;
        display: flex;
        flex-wrap: wrap;
    }
    .gsi {
        flex: 1;
        min-width: 150px;
        display: flex;
        align-items: center;
        gap: 8px;
        padding: 13px 20px;
        border-right: 1px solid rgba(11, 31, 58, 0.12);
        font-size: 13px;
        font-weight: 700;
        color: var(--navy);
    }
    .gsi:last-child {
        border-right: none;
    }
    section {
        padding: 76px 6vw;
    }
    .sl {
        font-size: 11px;
        letter-spacing: 3px;
        text-transform: uppercase;
        color: #2e3190;
        margin-bottom: 11px;
        font-weight: 700;
        display: flex;
        align-items: center;
        gap: 9px;
    }
    .sl::before {
        content: "";
        display: block;
        width: 26px;
        height: 2px;
        background:#2e3190;
    }
    .st {
        font-family: "Playfair Display", serif;
        font-size: clamp(22px, 3vw, 36px);
        color: var(--navy);
        line-height: 1.15;
        margin-bottom: 13px;
        letter-spacing: -0.3px;
    }
    .ss {
        font-size: 15px;
        color: var(--muted);
        max-width: 580px;
        line-height: 1.75;
    }
    .tc {
        display: grid;
        grid-template-columns: 1.2fr 1fr;
        gap: 48px;
        align-items: start;
    }
    .cb h2 {
        font-family: "Playfair Display", serif;
        font-size: 22px;
        color: var(--navy);
        margin: 26px 0 10px;
        line-height: 1.2;
    }
    .cb h2:first-child {
        margin-top: 0;
    }
    .cb h3 {
        font-size: 15px;
        font-weight: 600;
        color: var(--navy);
        margin: 18px 0 7px;
    }
    .cb p {
        font-size: 15px;
        color: var(--muted);
        line-height: 1.75;
        margin-bottom: 13px;
    }
    .cb ul {
        padding-left: 17px;
        color: var(--muted);
        font-size: 15px;
        line-height: 1.7;
        margin-bottom: 13px;
    }
    .cb li {
        margin-bottom: 5px;
    }
    .ac {
        background: var(--off);
        border: 1px solid var(--bdr);
        border-radius: 4px;
        overflow: hidden;
        position: sticky;
        top: 90px;
    }
    .ach {
        background:#2e3190;
        padding: 20px 18px;
    }
    .ach h3 {
        font-family: "Playfair Display", serif;
        font-size: 18px;
        color: #fff;
        margin-bottom: 3px;
    }
    .ach p {
        font-size: 12px;
        color: #fff;
    }
    .acb {
        padding: 18px;
    }
    .ai {
        display: flex;
        align-items: flex-start;
        gap: 9px;
        padding: 11px 0;
        border-bottom: 1px solid var(--light);
    }
    .ai:last-of-type {
        border-bottom: none;
    }
    .aii {
        width: 28px;
        height: 28px;
        background: #fff;
        border-radius: 3px;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 12px;
        flex-shrink: 0;
    }
    .ail {
        font-size: 10px;
        color: var(--muted);
        text-transform: uppercase;
        letter-spacing: 0.5px;
        margin-bottom: 2px;
    }
    .aiv {
        font-size: 13px;
        font-weight: 600;
        color: var(--navy);
    }
    .acta {
        display: block;
        background:#2f3291;
        color: #fff;
        text-align: center;
        padding: 12px;
        font-size: 13px;
        font-weight: 700;
        text-decoration: none;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        margin-top: 14px;
        border-radius: 3px;
    }
    .acta:hover {
        background: var(--gold-dk);
        color: var(--white);
    }
    .awa {
        display: block;
        background:#2ba9e3;
        color: #fff;
        text-align: center;
        padding: 10px;
        font-size: 13px;
        font-weight: 600;
        text-decoration: none;
        margin-top: 7px;
        border-radius: 3px;
    }
    .fg2 {
        display: grid;
        grid-template-columns: repeat(auto-fill, minmax(210px, 1fr));
        gap: 14px;
        margin-top: 36px;
    }
    .fc {
        background: var(--white);
        border: 1px solid var(--bdr);
        border-radius: 4px;
        padding: 20px;
        border-top: 3px solid #2e3190;
        transition: box-shadow 0.2s;
    }
    .fc:hover {
        box-shadow: 0 5px 18px rgba(11, 31, 58, 0.08);
    }
    .fci {
        font-size: 26px;
        margin-bottom: 10px;
    }
    .fct {
        font-size: 13px;
        font-weight: 700;
        color: var(--navy);
        margin-bottom: 5px;
    }
    .fcd {
        font-size: 13px;
        color: var(--muted);
        line-height: 1.6;
    }
    .faqsec {
        background: var(--off);
    }
    .faqg {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 11px;
        margin-top: 36px;
    }
    .faqc {
        background: var(--white);
        border: 1px solid var(--bdr);
        border-radius: 3px;
        overflow: hidden;
    }
    .faqc.op {
        border-color: var(--gold);
        border-left: 3px solid var(--gold);
    }
    .faqq {
        display: flex;
        justify-content: space-between;
        align-items: flex-start;
        padding: 17px;
        cursor: pointer;
        gap: 11px;
    }
    .faqqt {
        font-size: 13px;
        font-weight: 600;
        color: var(--navy);
        line-height: 1.45;
    }
    .faqtog {
        width: 21px;
        height: 21px;
        flex-shrink: 0;
        border: 1px solid var(--bdr);
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 15px;
        color: var(--gold);
        transition: transform 0.2s;
    }
    .faqc.op .faqtog {
        transform: rotate(45deg);
    }
    .faqa {
        font-size: 13px;
        color: var(--muted);
        line-height: 1.7;
        padding: 0 17px 17px;
        display: none;
    }
    .faqc.op .faqa {
        display: block;
    }
    .nbs {
        background: #2e3190;
    }
    .nbs .sl {
        color: #fff;
    }
    .nbs .st {
        color: var(--white);
    }
    .nbg {
        display: grid;
        grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
        gap: 13px;
        margin-top: 34px;
    }
    .nbc {
        background: rgba(255, 255, 255, 0.04);
        border: 1px solid rgba(201, 168, 76, 0.15);
        border-radius: 4px;
        padding: 18px;
        transition: border-color 0.2s;
    }
    .nbc:hover {
        border-color: rgba(201, 168, 76, 0.4);
    }
    .nbic {
        font-size: 22px;
        margin-bottom: 9px;
    }
    .nbt {
        font-size: 13px;
        font-weight: 600;
        color: #2e3190;
        margin-bottom: 4px;
    }
    .nbd {
        font-size: 12px;
        color: #fff;
        line-height: 1.6;
    }
    .fs {
        background:#101372;
        padding: 66px 6vw;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 48px;
        align-items: center;
    }
    .fl h2 {
        font-family: "Playfair Display", serif;
        font-size: clamp(20px, 3vw, 34px);
        color: var(--white);
        margin-bottom: 11px;
        line-height: 1.15;
    }
    .fl h2 em {
        color: #fff;
    }
    .fl p {
        font-size: 14px;
        color: #fff;
        line-height: 1.75;
        margin-bottom: 20px;
    }
    .prom {
        list-style: none;
        display: flex;
        flex-direction: column;
        gap: 10px;
    }
    .prom li {
        font-size: 13px;
        color:#fff;
        display: flex;
        align-items: center;
        gap: 8px;
    }
    .ck {
        width: 17px;
        height: 17px;
        background:#fff;
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 10px;
        color: var(--navy);
        font-weight: 700;
        flex-shrink: 0;
    }
    .fr {
        background: var(--white);
        border-radius: 4px;
        padding: 28px;
        border-top: 4px solid #2e3190;
    }
    .frt {
        font-family: "Playfair Display", serif;
        font-size: 19px;
        color: var(--navy);
        margin-bottom: 18px;
    }
    .fg {
        margin-bottom: 12px;
    }
    .fg label {
        font-size: 11px;
        font-weight: 700;
        color: var(--navy);
        display: block;
        margin-bottom: 4px;
        letter-spacing: 0.5px;
        text-transform: uppercase;
    }
    .fg input,
    .fg select {
        width: 100%;
        border: 1px solid #ddd;
        border-radius: 3px;
        padding: 9px 12px;
        font-size: 14px;
        font-family: "Open Sans", sans-serif;
        color: var(--text);
    }
    .fg input:focus,
    .fg select:focus {
        outline: none;
        border-color: var(--gold);
    }
    .fgr {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 9px;
    }
    .bsub {
        width: 100%;
        background:#0b87c0;
        color: #fff;
        border: none;
        padding: 12px;
        border-radius: 3px;
        font-size: 13px;
        font-weight: 700;
        cursor: pointer;
        font-family: "Open Sans", sans-serif;
        letter-spacing: 1px;
        text-transform: uppercase;
        transition: background 0.2s;
        margin-top: 5px;
    }
    .bsub:hover {
        background:#0971a1;
        color: #fff;
    }
    .fnote {
        font-size: 12px;
        color: var(--muted);
        text-align: center;
        margin-top: 7px;
    }
    footer {
        background: #04064d;
        padding: 50px 6vw 0;
    }
    .fgf {
        display: grid;
        grid-template-columns: 1.5fr 1fr 1fr 1fr;
        gap: 34px;
        padding-bottom: 38px;
        border-bottom: 1px solid rgba(201, 168, 76, 0.1);
    }
    .flo {
        font-family: "Playfair Display", serif;
        font-size: 22px;
        color: var(--white);
        margin-bottom: 10px;
    }
    .flo span {
        color: #fff;
    }
    .ftg {
        font-size: 13px;
        color:#fff;
        line-height: 1.65;
        max-width: 230px;
        margin-bottom: 13px;
    }
    .fna {
        font-size: 13px;
        color: #fff;
        line-height: 1.9;
    }
    .flc h4 {
        font-size: 11px;
        letter-spacing: 2px;
        text-transform: uppercase;
        color:#fff;
        margin-bottom: 13px;
        font-weight: 700;
    }
    .flc ul {
        list-style: none;
        display: flex;
        flex-direction: column;
        gap: 8px;
    }
    .flc ul li a {
        font-size: 13px;
        color: #fff;
        text-decoration: none;
        transition: color 0.2s;
    }
    .flc ul li a:hover {
        color: var(--gold-lt);
    }
    .fbot {
        padding: 15px 0 20px;
        display: flex;
        justify-content: space-between;
        flex-wrap: wrap;
        gap: 8px;
    }
    .fcp {
        font-size: 11px;
        color: #fff;
    }
    .frg {
        font-size: 11px;
        color: #fff;
    }
    @media (max-width: 960px) {
        .hero {
            grid-template-columns: 1fr;
            min-height: auto;
            padding: 56px 6vw;
        }
        .hright {
            display: none;
        }
        .tc {
            grid-template-columns: 1fr;
        }
        .ac {
            position: static;
        }
        .fs {
            grid-template-columns: 1fr;
            padding: 56px 6vw;
        }
        .faqg {
            grid-template-columns: 1fr;
        }
        .fgf {
            grid-template-columns: 1fr 1fr;
        }
    }
    @media (max-width: 600px) {
        section {
            padding: 52px 5vw;
        }
        .navlinks {
            display: none;
        }
        .fgf {
            grid-template-columns: 1fr;
        }
        .fgr {
            grid-template-columns: 1fr;
        }
    }