/* 54 Capital Management — minimalist brand system
   Navy #0B285A (trust & stability) · Gold #CAA439 (growth & success) */
:root{
  --navy:#0B285A; --navy-d:#081D42; --gold:#CAA439; --gold-d:#B08E2C;
  --ink:#16233B; --mut:#5B6472; --faint:#8A93A3;
  --line:#E6E9EF; --bg:#FFFFFF; --bg2:#F7F8FA;
  --r:14px; --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--navy)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:14px;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{height:42px;width:auto}
.brand .wm{font-weight:800;font-size:19px;letter-spacing:-.01em;color:var(--navy);white-space:nowrap}
.brand .wm b{color:var(--gold);font-weight:800}
.brand .wm small{display:block;font-weight:500;font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--faint)}
.sp{flex:1}
nav.menu{display:flex;gap:26px;align-items:center}
nav.menu a{text-decoration:none;color:var(--mut);font-weight:600;font-size:14px;padding:6px 0;border-bottom:2px solid transparent;transition:color .15s,border-color .15s}
nav.menu a:hover{color:var(--navy)}
nav.menu a.on{color:var(--navy);border-bottom-color:var(--gold)}
.cta{background:var(--navy);color:#fff !important;padding:10px 20px;border-radius:10px;border:none !important;transition:background .15s}
.cta:hover{background:var(--navy-d)}
#navtoggle{display:none}
.burger{display:none;cursor:pointer;padding:10px;margin-right:-10px}
.burger span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px}

/* ---------- hero ---------- */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-d) 100%);color:#fff;position:relative;overflow:hidden}
.hero .net{position:absolute;right:-60px;top:-40px;width:520px;opacity:.14;pointer-events:none}
.hero .inner{padding:96px 0 100px;position:relative;max-width:720px}
.kicker{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
.hero h1{font-size:clamp(32px,5vw,52px);line-height:1.12;margin:0 0 20px;font-weight:800;letter-spacing:-.02em}
.hero h1 em{color:var(--gold);font-style:normal}
.hero p.lead{font-size:18px;color:#C9D2E3;margin:0 0 34px;max-width:560px}
.btnrow{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;text-decoration:none;font-weight:700;font-size:15px;padding:14px 28px;border-radius:11px;transition:transform .1s,background .15s}
.btn.gold{background:var(--gold);color:var(--navy-d)}
.btn.gold:hover{background:#DBB54A}
.btn.line{border:1.5px solid rgba(255,255,255,.35);color:#fff}
.btn.line:hover{border-color:#fff}
.goldbar{height:4px;background:linear-gradient(90deg,var(--gold),#E6C766)}

/* ---------- page head (subpages) ---------- */
.phead{background:linear-gradient(160deg,var(--navy),var(--navy-d));color:#fff;position:relative;overflow:hidden}
.phead .net{position:absolute;right:-80px;top:-70px;width:430px;opacity:.13}
.phead .inner{padding:66px 0;position:relative;max-width:760px}
.phead h1{font-size:clamp(28px,4vw,40px);margin:8px 0 12px;font-weight:800;letter-spacing:-.02em}
.phead p{color:#C9D2E3;font-size:17px;margin:0;max-width:620px}

/* ---------- sections ---------- */
section{padding:74px 0}
section.alt{background:var(--bg2)}
.sechead{max-width:640px;margin-bottom:44px}
.sechead h2{font-size:clamp(24px,3vw,32px);margin:8px 0 12px;color:var(--navy);letter-spacing:-.015em}
.sechead p{color:var(--mut);margin:0;font-size:16.5px}
.center{margin-left:auto;margin-right:auto;text-align:center}

.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px 28px;transition:box-shadow .18s,transform .18s}
.card:hover{box-shadow:0 12px 32px rgba(11,40,90,.10);transform:translateY(-2px)}
.card .ic{width:46px;height:46px;border-radius:12px;background:rgba(202,164,57,.14);display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--gold-d)}
.card h3{margin:0 0 10px;font-size:18.5px;color:var(--navy)}
.card p{margin:0;color:var(--mut);font-size:15px}
.card ul{margin:12px 0 0;padding-left:0;list-style:none;color:var(--mut);font-size:14.5px}
.card ul li{padding:5px 0 5px 22px;position:relative}
.card ul li:before{content:"";position:absolute;left:2px;top:13px;width:7px;height:7px;border-radius:50%;background:var(--gold)}
.card a.more{display:inline-block;margin-top:16px;font-weight:700;font-size:14px;color:var(--navy);text-decoration:none}
.card a.more:hover{color:var(--gold-d)}

/* stats band */
.stats{background:var(--navy);color:#fff}
.stats .grid{grid-template-columns:repeat(4,1fr);text-align:center}
.stat b{display:block;font-size:clamp(28px,3.6vw,42px);font-weight:800;color:var(--gold);letter-spacing:-.02em}
.stat span{color:#B9C4D8;font-size:13.5px;letter-spacing:.06em;text-transform:uppercase;font-weight:600}

/* detail blocks (service pages) */
.block{display:grid;grid-template-columns:56px 1fr;gap:22px;padding:34px 0;border-top:1px solid var(--line)}
.block:first-of-type{border-top:none}
.block .n{width:56px;height:56px;border-radius:14px;background:var(--navy);color:var(--gold);font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center}
.block h3{margin:4px 0 10px;font-size:20px;color:var(--navy)}
.block p{margin:0 0 10px;color:var(--mut)}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.tag{font-size:12.5px;font-weight:600;color:var(--navy);background:rgba(11,40,90,.06);border:1px solid var(--line);border-radius:20px;padding:5px 13px}

/* process strip */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:st}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px 22px}
.step:before{counter-increment:st;content:counter(st,decimal-leading-zero);font-weight:800;color:var(--gold);font-size:14px;letter-spacing:.1em}
.step h4{margin:8px 0 8px;color:var(--navy);font-size:16px}
.step p{margin:0;font-size:14px;color:var(--mut)}

/* CTA band */
.ctaband{background:linear-gradient(150deg,var(--navy),var(--navy-d));color:#fff;border-radius:20px;padding:52px 48px;display:flex;align-items:center;gap:30px;flex-wrap:wrap;position:relative;overflow:hidden}
.ctaband .net{position:absolute;right:-70px;bottom:-90px;width:340px;opacity:.12}
.ctaband h2{margin:0 0 8px;font-size:26px;letter-spacing:-.015em}
.ctaband p{margin:0;color:#C9D2E3}
.ctaband .sp{flex:1}

/* contact */
.contactgrid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:13px;margin-bottom:6px;color:var(--ink)}
input,textarea,select{width:100%;padding:13px 14px;border:1px solid #D8DDE6;border-radius:10px;font:inherit;color:var(--ink);background:#fff}
input:focus,textarea:focus,select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,40,90,.10)}
textarea{min-height:130px;resize:vertical}
.infocard{background:var(--bg2);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.infocard h3{margin:0 0 6px;color:var(--navy);font-size:16px}
.infocard p{margin:0 0 18px;color:var(--mut);font-size:15px}

/* footer */
footer{background:var(--navy-d);color:#B9C4D8;margin-top:40px}
footer .top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding:56px 0 40px}
footer img{height:64px;width:auto;margin-bottom:14px}
footer h4{color:#fff;font-size:13px;letter-spacing:.16em;text-transform:uppercase;margin:0 0 14px}
footer a{color:#B9C4D8;text-decoration:none;display:block;padding:4px 0;font-size:14.5px}
footer a:hover{color:var(--gold)}
footer .tag{background:none;border:none;color:#8FA0BE;padding:0;font-size:14px}
footer .base{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;font-size:13px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;color:#8FA0BE}

/* responsive */
@media (max-width:900px){
  .g3{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .contactgrid{grid-template-columns:1fr}
  footer .top{grid-template-columns:1fr 1fr}
  .stats .grid{grid-template-columns:1fr 1fr;gap:34px}
}
@media (max-width:680px){
  .g2,.g3,.steps{grid-template-columns:1fr}
  .burger{display:block}
  nav.menu{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;gap:0;border-bottom:1px solid var(--line);padding:8px 24px 18px}
  nav.menu a{padding:12px 0;font-size:16px;border-bottom:none}
  #navtoggle:checked ~ nav.menu{display:flex}
  .hero .inner{padding:64px 0 70px}
  .ctaband{padding:38px 26px}
  footer .top{grid-template-columns:1fr}
  .brand .wm{font-size:16px}
}