:root{--navy:#0B1A3A;--gold:#D4AF37;--beige:#EADCC4;--gray:#6B7280;--off:#F8F7F3}*{box-sizing:border-box}body{margin:0;font-family:Arial,sans-serif;background:var(--off);color:var(--navy)}header{display:flex;justify-content:space-between;align-items:center;padding:22px 6%;background:var(--navy);color:white}.brand{font-weight:800;letter-spacing:2px;color:var(--gold)}.brand small{display:block;font-size:9px;color:white}nav a{color:white;text-decoration:none;margin:0 9px}.hero{min-height:62vh;display:grid;align-items:center;padding:8%;background:linear-gradient(120deg,var(--navy),#132a58);color:white}.hero h1{font-size:clamp(34px,6vw,70px);max-width:800px;margin:.2em 0}.hero p{max-width:700px;line-height:1.8}.btn{display:inline-block;background:var(--gold);color:var(--navy);padding:13px 20px;margin:12px 4px;text-decoration:none;font-weight:bold}.ghost{background:transparent;color:white;border:1px solid var(--gold)}section{padding:70px 8%}h2{font-size:34px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cards article{background:white;padding:35px;border-top:3px solid var(--gold);min-height:150px}footer{padding:25px 8%;background:var(--navy);color:white;text-align:center}@media(max-width:700px){header{display:block}nav{margin-top:15px}.cards{grid-template-columns:1fr}}