:root {
  --navy: #0f2440;
  --navy-2: #173459;
  --gold: #b48f4b;
  --gold-dark: #977538;
  --logo-gold: #b48f4b;
  --ink: #1d2733;
  --muted: #5d6b7c;
  --line: #e3e7ed;
  --bg-alt: #f6f7f9;
  --white: #fff;
  --radius: 12px;
  --shadow: 0 18px 50px rgba(15, 36, 64, .14);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  color: var(--ink);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3 { line-height: 1.2; margin: 0; }
h1, .section-title, .cta-band h2 { font-family: "Playfair Display", Georgia, serif; font-weight: 700; }
a { color: inherit; }
.wrap { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

/* Buttons */
.btn {
  display: inline-block; text-decoration: none; font-weight: 600;
  padding: 14px 26px; border-radius: 8px; border: 2px solid transparent;
  transition: background .2s, color .2s, border-color .2s; cursor: pointer; font-size: 16px;
}
.btn-sm { padding: 9px 18px; font-size: 15px; }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-dark); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); }
.btn-ghost { border-color: rgba(255,255,255,.5); color: #fff; }
.btn-ghost:hover { border-color: #fff; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line); backdrop-filter: blur(6px);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 88px; }
.brand { display: inline-flex; flex-direction: column; align-items: stretch; flex: 0 0 auto; text-decoration: none; color: var(--logo-gold); }
.brand-mark { width: 0; min-width: 100%; height: auto; display: block; margin-bottom: 6px; }
.nav .btn { white-space: nowrap; }
.brand-text { display: flex; flex-direction: column; align-items: center; font-family: "Jost", "Inter", sans-serif; text-transform: uppercase; line-height: 1; white-space: nowrap; }
.bt-main { font-size: 13px; font-weight: 500; letter-spacing: 2.6px; margin-right: -2.6px; }
.bt-sub { font-size: 7.5px; font-weight: 400; letter-spacing: 4.6px; margin-right: -4.6px; margin-top: 4px; }
.brand-footer .bt-main { font-size: 16px; letter-spacing: 3.2px; margin-right: -3.2px; }
.brand-footer .bt-sub { font-size: 9px; letter-spacing: 5.6px; margin-right: -5.6px; margin-top: 5px; }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { text-decoration: none; font-weight: 500; font-size: 15px; color: var(--ink); }
.nav a:hover { color: var(--gold-dark); }
.nav .btn-gold { color: var(--navy); }
.nav .btn-gold:hover { color: #fff; }
.nav-phone { font-weight: 600 !important; color: var(--navy) !important; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff; padding: 80px 0 90px; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px;
  border: 2px solid rgba(201,161,74,.18); border-radius: 50%;
}
.hero-inner { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; position: relative; z-index: 1; }
.eyebrow { text-transform: uppercase; letter-spacing: 1.6px; font-size: 13px; font-weight: 600; color: var(--gold); margin: 0 0 14px; }
.eyebrow.center { text-align: center; }
.hero h1 { font-size: 52px; margin-bottom: 20px; }
.lead { font-size: 19px; color: rgba(255,255,255,.85); max-width: 520px; margin: 0 0 26px; }
.checks { list-style: none; padding: 0; margin: 0; }
.checks li { padding-left: 30px; position: relative; margin-bottom: 10px; color: rgba(255,255,255,.92); }
.checks li::before {
  content: ""; position: absolute; left: 0; top: 5px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='m5.5 10.5 3 3 6-6.5' fill='none' stroke='%230f2440' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat;
}

/* Quote card */
.quote-card {
  background: #fff; color: var(--ink); border-radius: 16px; padding: 32px; box-shadow: var(--shadow);
  border-top: 5px solid var(--gold); scroll-margin-top: 110px;
}
.quote-card h2 { font-size: 24px; color: var(--navy); }
.quote-sub { color: var(--muted); margin: 6px 0 20px; font-size: 15px; }
.qf { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 14px; }
.qf-field { display: flex; flex-direction: column; }
.qf-field.full { grid-column: 1 / -1; }
.qf label { font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 5px; }
.qf .req { color: var(--gold-dark); }
.qf input, .qf select, .qf textarea {
  font: inherit; font-size: 15px; padding: 11px 12px; border: 1px solid #cfd6df; border-radius: 8px;
  background: #fff; color: var(--ink); width: 100%; transition: border-color .15s, box-shadow .15s;
}
.qf textarea { min-height: 78px; resize: vertical; }
.qf input:focus, .qf select:focus, .qf textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,161,74,.22); }
.qf [aria-invalid="true"] { border-color: #c0392b; }
.qf-error { color: #c0392b; font-size: 12.5px; margin: 4px 0 0; min-height: 0; }
.qf-error:empty { display: none; }
.qf-desc { color: var(--muted); font-size: 12.5px; margin: 4px 0 0; }
.qf-actions { grid-column: 1 / -1; margin-top: 6px; }
.qf-actions .btn { width: 100%; font-size: 17px; }
.qf-actions .btn[disabled] { opacity: .7; cursor: progress; }
.qf-form-error { grid-column: 1 / -1; color: #c0392b; font-size: 14px; margin: 0; }
.qf-form-error:empty { display: none; }
.qf-fine { grid-column: 1 / -1; font-size: 12px; color: var(--muted); margin: 2px 0 0; text-align: center; }
.qf-thanks { text-align: center; padding: 24px 0 8px; }
.qf-thanks .tick {
  width: 56px; height: 56px; border-radius: 50%; background: rgba(201,161,74,.15); color: var(--gold-dark);
  display: grid; place-items: center; margin: 0 auto 14px; font-size: 28px; font-weight: 700;
}
.qf-thanks p { margin: 0 0 6px; }
.muted { color: var(--muted); }
.qf-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Sections */
.section { padding: 96px 0; }
.section-alt { background: var(--bg-alt); }
.section-title { font-size: 38px; color: var(--navy); text-align: center; margin-bottom: 52px; }
.section-title.left { text-align: left; margin-bottom: 18px; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  border: 1px solid var(--line); border-radius: var(--radius); padding: 32px 28px; background: #fff;
  transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 12px 30px rgba(15,36,64,.08); }
.card-feature { border-color: var(--gold); box-shadow: inset 0 4px 0 var(--gold); }
.icon {
  width: 52px; height: 52px; border-radius: 12px; background: rgba(15,36,64,.06);
  display: grid; place-items: center; margin-bottom: 18px;
}
.icon svg { width: 28px; height: 28px; fill: none; stroke: var(--navy); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { font-size: 20px; color: var(--navy); margin-bottom: 8px; }
.card p { margin: 0; color: var(--muted); }
.also { text-align: center; margin: 36px 0 0; color: var(--muted); font-size: 15px; }
.also span {
  display: inline-block; margin: 4px 4px; padding: 5px 14px; border-radius: 999px;
  background: var(--bg-alt); color: var(--navy); font-weight: 500;
}

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: s; }
.steps li { text-align: center; padding: 0 12px; }
.num {
  display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 50%;
  background: var(--navy); color: var(--gold); font-weight: 700; font-size: 20px; margin-bottom: 16px;
}
.steps h3 { font-size: 19px; color: var(--navy); margin-bottom: 6px; }
.steps p { margin: 0; color: var(--muted); }

.why { display: grid; grid-template-columns: 1.1fr .9fr; gap: 64px; align-items: center; }
.muted-lg { color: var(--muted); font-size: 17px; margin: 0 0 28px; }
.why-list { list-style: none; padding: 0; margin: 0; border-left: 3px solid var(--gold); }
.why-list li { padding: 18px 0 18px 28px; border-bottom: 1px solid var(--line); }
.why-list li:last-child { border-bottom: 0; }
.why-list strong { display: block; color: var(--navy); font-size: 17px; }
.why-list span { color: var(--muted); }

.cta-band { background: var(--navy); color: #fff; padding: 64px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { font-size: 32px; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Footer */
.site-footer { background: #0a1a2f; color: rgba(255,255,255,.75); padding: 56px 0 24px; font-size: 15px; }
.footer-inner { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
.brand-footer { color: var(--gold); }
.foot-note { margin: 14px 0 0; max-width: 320px; }
.site-footer h4 { color: #fff; margin: 0 0 12px; font-size: 14px; text-transform: uppercase; letter-spacing: 1.2px; }
.site-footer p { margin: 0; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 40px; padding-top: 20px; }
.legal p { font-size: 12.5px; color: rgba(255,255,255,.5); margin: 0; }

/* Responsive */
@media (max-width: 960px) {
  .hero-inner, .why { grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 40px; }
  .cards, .steps { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .nav a:not(.btn):not(.nav-phone) { display: none; }
}
@media (max-width: 560px) {
  .nav-phone { display: none; }
  .hero { padding: 48px 0 60px; }
  .hero h1 { font-size: 34px; }
  .quote-card { padding: 24px 20px; }
  .qf { grid-template-columns: 1fr; }
  .section { padding: 64px 0; }
  .section-title { font-size: 30px; margin-bottom: 36px; }
  .footer-inner { grid-template-columns: 1fr; }
  .header-inner { height: 76px; }
  .bt-main { font-size: 11px; letter-spacing: 2.2px; margin-right: -2.2px; }
  .bt-sub { font-size: 6.5px; letter-spacing: 3.9px; margin-right: -3.9px; }
}