:root {
  --ink: #16202e;
  --muted: #56627a;
  --bg: #ffffff;
  --band: #f4f6fa;
  --navy: #1e3a5f;
  --gold: #f4c95d;
  --line: #e2e6ee;
  --radius: 12px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font: 17px/1.6 system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
}
h1, h2, h3 { font-family: Georgia, "Times New Roman", serif; line-height: 1.2; margin: 0 0 .6em; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); max-width: 18ch; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
a { color: var(--navy); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }
.section { padding: 72px 20px; }
.band { background: var(--band); }

.nav { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.92); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { font-family: Georgia, serif; font-size: 1.4rem; font-weight: 700; text-decoration: none; color: var(--navy); }
.nav nav { display: flex; gap: 22px; align-items: center; }
.nav nav a { text-decoration: none; color: var(--ink); font-size: .95rem; }

.hero { background: linear-gradient(160deg, var(--navy), #10223a); color: #fff; padding: 96px 0 88px; }
.hero .eyebrow { color: var(--gold); text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 600; }
.hero .lead { color: #d5deea; }
.lead { font-size: 1.15rem; max-width: 62ch; }
.narrow { max-width: 56ch; }
.cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }

.btn { display: inline-block; padding: 12px 22px; border-radius: 999px; background: var(--gold); color: var(--ink) !important; font-weight: 600; text-decoration: none; border: 2px solid var(--gold); }
.btn:hover { filter: brightness(1.05); }
.btn-ghost { background: transparent; color: #fff !important; border-color: rgba(255,255,255,.5); }
.btn-small { padding: 6px 16px; }
.btn-light { background: #fff; border-color: #fff; }

.grid { display: grid; gap: 24px; }
.grid.two { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.grid.three { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.card p { color: var(--muted); margin: 0; }

.kicker { color: var(--navy); text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 700; margin-bottom: .8em; }
.kicker::before { content: ""; display: inline-block; width: 24px; height: 3px; background: var(--gold); vertical-align: middle; margin-right: 10px; }

.formula { display: flex; align-items: stretch; gap: 20px; flex-wrap: wrap; }
.formula .term { flex: 1 1 260px; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 28px; }
.formula .term:first-child { border-color: var(--navy); border-width: 2px; }
.formula .label { display: block; font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.formula strong { display: block; font-family: Georgia, serif; font-size: 1.5rem; color: var(--navy); margin: 4px 0; }
.formula .sub { color: var(--muted); font-size: .95rem; }
.formula .op { align-self: center; font-family: Georgia, serif; font-size: 2rem; color: var(--gold); }

.person img, .person .avatar { width: 112px; height: 112px; border-radius: 50%; object-fit: cover; display: block; margin-bottom: 16px; }
.person .avatar { background: var(--navy); color: var(--gold); font-family: Georgia, serif; font-size: 2.2rem; display: grid; place-items: center; }
.person h3 { margin-bottom: .2em; }
.person .role { color: var(--navy); font-weight: 600; font-size: .95rem; margin-bottom: .8em; }

.stats { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); margin-top: 32px; }
.stat { background: #fff; border-radius: var(--radius); border: 1px solid var(--line); padding: 24px; }
.stat strong { display: block; font-family: Georgia, serif; font-size: 2.2rem; color: var(--navy); }
.stat span { color: var(--muted); font-size: .95rem; }


.contact { background: var(--navy); color: #fff; }
.contact .lead { color: #d5deea; }

.footer { padding: 28px 20px; color: var(--muted); font-size: .9rem; }

@media (max-width: 640px) {
  .formula .op { width: 100%; text-align: center; }
  .nav nav a:not(.btn) { display: none; }
  .wrap { padding: 0 16px; }
  .section { padding: 56px 16px; }
}