:root {
  --navy: #06233f;
  --navy-2: #0b335c;
  --red: #d71920;
  --red-dark: #a90f16;
  --red-soft: #fff0f1;
  --ink: #172338;
  --muted: #68758a;
  --line: #dfe7ee;
  --soft: #f4f8fc;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(6, 35, 63, .14);
  --radius: 8px;
}

* { box-sizing: border-box; }
body {
  margin: 0;
  color: var(--ink);
  background: #fff;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.container { width: min(1160px, calc(100% - 32px)); margin: 0 auto; }
.topbar { background: var(--navy); color: #d9e7f2; font-size: 13px; }
.topbar .container { display: flex; gap: 18px; justify-content: space-between; padding: 8px 0; flex-wrap: wrap; }
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.94); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.nav { height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; color: var(--navy); }
.brand-mark { width: 46px; height: 46px; display: grid; place-items: center; border-radius: var(--radius); background: linear-gradient(135deg, var(--navy), var(--red)); color: #fff; font-weight: 900; letter-spacing: .5px; }
.brand small { display: block; color: var(--red-dark); font-weight: 700; margin-top: -3px; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a { padding: 10px 11px; border-radius: var(--radius); color: #314257; font-size: 14px; font-weight: 700; }
.nav-links a:hover, .nav-links a.active { background: var(--red-soft); color: var(--red-dark); }
.nav-toggle { display: none; border: 1px solid var(--line); background: #fff; border-radius: var(--radius); padding: 9px 11px; font-weight: 800; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; border: 0; border-radius: var(--radius); padding: 12px 18px; font-weight: 800; cursor: pointer; transition: .2s ease; }
.btn-primary { background: var(--red); color: #fff; box-shadow: 0 12px 24px rgba(215,25,32,.25); }
.btn-primary:hover { background: var(--red-dark); transform: translateY(-1px); }
.btn-outline { border: 1px solid rgba(255,255,255,.55); color: #fff; }
.btn-light { border: 1px solid var(--line); color: var(--navy); background: #fff; }
.hero { position: relative; min-height: 620px; display: grid; align-items: center; overflow: hidden; color: #fff; background: var(--navy); }
.hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(6,35,63,.97) 0%, rgba(6,35,63,.86) 43%, rgba(215,25,32,.18) 100%), url("../images/sfc-hero.png") center/cover no-repeat; }
.hero .container { position: relative; padding: 76px 0 98px; }
.eyebrow { color: var(--red); text-transform: uppercase; font-size: 12px; letter-spacing: .12em; font-weight: 900; }
h1, h2, h3 { color: inherit; line-height: 1.08; margin: 0; letter-spacing: 0; }
h1 { font-size: clamp(40px, 6vw, 72px); max-width: 720px; margin-top: 14px; }
.hero p { max-width: 600px; font-size: 18px; color: #e8f1f7; margin: 22px 0 30px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.stats-strip { position: relative; margin-top: -52px; z-index: 5; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; box-shadow: var(--shadow); border-radius: var(--radius); border: 1px solid var(--line); overflow: hidden; }
.stat { padding: 24px; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat strong { display: block; color: var(--navy); font-size: 30px; line-height: 1; }
.stat span { color: var(--muted); font-weight: 700; font-size: 13px; }
.section { padding: 84px 0; }
.section.alt { background: var(--soft); }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 28px; margin-bottom: 34px; }
.section-head h2, .page-hero h1 { color: var(--navy); font-size: clamp(30px, 4vw, 48px); }
.section-head p { color: var(--muted); max-width: 570px; margin: 12px 0 0; }
.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: 0 10px 28px rgba(6,35,63,.06); }
.card h3 { color: var(--navy); font-size: 21px; margin-bottom: 10px; }
.card p { color: var(--muted); margin: 0 0 18px; }
.icon { width: 46px; height: 46px; display: grid; place-items: center; border-radius: var(--radius); background: var(--red-soft); color: var(--red-dark); font-weight: 900; margin-bottom: 18px; }
.feature-band { background: var(--navy); color: #fff; }
.feature-band .section-head h2, .feature-band h3 { color: #fff; }
.feature-band p { color: #c8d8e4; }
.steps { counter-reset: step; }
.step { position: relative; padding-left: 68px; }
.step::before { counter-increment: step; content: counter(step); position: absolute; left: 0; top: 0; width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: var(--red); color: #fff; font-weight: 900; }
.page-hero { background: linear-gradient(135deg, #edf5fc 0%, #fff 52%, #fff0f1 100%); padding: 72px 0 50px; border-bottom: 1px solid var(--line); }
.page-hero p { max-width: 680px; color: var(--muted); font-size: 18px; }
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 34px; align-items: center; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); }
.list { display: grid; gap: 12px; padding: 0; margin: 18px 0 0; list-style: none; }
.list li { padding-left: 28px; position: relative; color: #40516a; }
.list li::before { content: "+"; position: absolute; left: 0; color: var(--red); font-weight: 900; }
.resource-table { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.resource-table th, .resource-table td { text-align: left; padding: 16px; border-bottom: 1px solid var(--line); }
.resource-table th { background: var(--navy); color: #fff; }
.resource-table tr:last-child td { border-bottom: 0; }

.gallery-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
/* Masonry Layout */
.gallery-masonry {
    column-count: 4;
    column-gap: 20px;
    padding: 20px 0;
}

@media (max-width: 900px) { .gallery-masonry { column-count: 3; } }
@media (max-width: 600px) { .gallery-masonry { column-count: 2; } }

.gallery-item {
    break-inside: avoid;
    margin-bottom: 20px;
    position: relative;
    border-radius: var(--radius);
    overflow: hidden;
    background: #e2e8f0;
}

.gallery-item img {
    display: block;
    width: 100%;
    height: auto;
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Hover Overlay */
.gallery-overlay {
    position: absolute;
    inset: 0;
    background: rgba(6, 35, 63, 0.85); /* Navy background with transparency */
    color: white;
    opacity: 0;
    transition: opacity 0.3s ease;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    padding: 20px;
    text-align: center;
}

.gallery-item:hover .gallery-overlay { opacity: 1; }
.gallery-item:hover img { transform: scale(1.08); }
.gallery-overlay h3 { color: var(--white); margin-bottom: 8px; }
.gallery-overlay p { font-size: 13px; color: #cbd5e1; }

.form { display: grid; gap: 14px; }
.form input, .form select, .form textarea { width: 100%; border: 1px solid var(--line); border-radius: var(--radius); padding: 13px 14px; font: inherit; }
.form textarea { min-height: 130px; resize: vertical; }
.calculator { display: grid; gap: 16px; }
.calc-result { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 24px; }
.calc-result strong { font-size: 30px; display: block; }
.cta { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; padding: 68px 0; }
.cta .container { display: flex; justify-content: space-between; gap: 24px; align-items: center; }
.cta h2 { font-size: clamp(28px, 4vw, 44px); max-width: 720px; }
.footer { background: #04182b; color: #b9c9d8; padding: 56px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 28px; margin-bottom: 38px; }
.footer h3 { color: #fff; font-size: 16px; margin-bottom: 14px; }
.footer a { display: block; margin: 8px 0; color: #b9c9d8; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-top: 20px; font-size: 13px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .nav-links { position: absolute; left: 16px; right: 16px; top: 72px; display: none; flex-direction: column; align-items: stretch; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 10px; }
  .nav-links.open { display: flex; }
  .grid-3, .grid-2, .split, .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat { border-bottom: 1px solid var(--line); }
  .section-head, .cta .container { display: block; }
  .gallery-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .hero { min-height: 560px; }
  .hero::before { background: linear-gradient(90deg, rgba(6,35,63,.97), rgba(6,35,63,.82)), url("../images/sfc-hero.png") center/cover no-repeat; }
  .stats-grid { grid-template-columns: 1fr; }
  .gallery-grid { grid-template-columns: 1fr; }
  .topbar .container { display: none; }
}