:root{
  --navy:#13293D; --navy-2:#1c3a55; --gold:#c8a24b; --gold-2:#d8b561;
  --ink:#1d2733; --muted:#5b6b7b; --line:#e4e9ef; --bg:#ffffff; --bg-soft:#f5f7fa;
  --radius:14px; --shadow:0 10px 30px rgba(19,41,61,.10); --maxw:1140px;
  --font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
h1,h2,h3,h4{font-family:'Poppins',var(--font);color:var(--navy);line-height:1.18;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.5vw,3.1rem);letter-spacing:-.5px}
h2{font-size:clamp(1.5rem,3vw,2.2rem)}
h3{font-size:1.25rem}
p{margin:0 0 1rem}
a{color:var(--navy);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.section{padding:72px 0}
.section.soft{background:var(--bg-soft)}
.center{text-align:center}
.lead{font-size:1.15rem;color:var(--muted);max-width:720px}
.center .lead{margin-left:auto;margin-right:auto}
.eyebrow{display:inline-block;font-family:'Poppins';font-weight:600;font-size:.8rem;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-family:'Poppins';font-weight:600;padding:14px 28px;border-radius:10px;border:none;cursor:pointer;font-size:1rem;transition:.18s;box-shadow:0 6px 18px rgba(200,162,75,.35)}
.btn:hover{background:var(--gold-2);transform:translateY(-2px)}
.btn.alt{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55);box-shadow:none}
.btn.alt:hover{background:rgba(255,255,255,.12)}
.btn.navy{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(19,41,61,.3)}
.btn.navy:hover{background:var(--navy-2)}
.btn.block{display:block;width:100%;text-align:center}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:12px 22px;max-width:var(--maxw);margin:0 auto;flex-wrap:nowrap}
.nav .logo img{height:44px;width:auto;flex:none}
.nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;flex-wrap:nowrap}
.nav ul a{font-family:'Poppins';font-weight:500;font-size:.92rem;color:var(--ink);white-space:nowrap}
.nav ul a:hover{color:var(--gold)}
.nav .cta-phone{display:flex;align-items:center;gap:16px;flex:none}
.nav .phone{font-family:'Poppins';font-weight:600;color:var(--navy);white-space:nowrap}
.nav .btn{padding:10px 18px;white-space:nowrap}
.burger{display:none;background:none;border:none;font-size:1.7rem;color:var(--navy);cursor:pointer}

/* Hero */
.hero{background:linear-gradient(135deg,#0f2236 0%,#13293D 55%,#1c3a55 100%);color:#fff;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;background:radial-gradient(circle,rgba(200,162,75,.18),transparent 70%);border-radius:50%}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding-top:70px;padding-bottom:70px;position:relative;z-index:2}
.hero h1{color:#fff}
.hero p{color:#d5dde6;font-size:1.18rem}
.hero .checks{list-style:none;padding:0;margin:18px 0 26px}
.hero .checks li{padding-left:30px;position:relative;margin-bottom:8px;color:#eaeff4}
.hero .checks li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:700}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}

/* Card form */
.card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;color:var(--ink)}
.card h3{margin-top:0}
.form-row{margin-bottom:14px}
label{display:block;font-family:'Poppins';font-weight:500;font-size:.9rem;margin-bottom:5px;color:var(--navy)}
input,textarea,select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:9px;font-family:var(--font);font-size:1rem;background:#fff}
input:focus,textarea:focus,select:focus{outline:none;border-color:var(--gold)}
textarea{min-height:96px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted);margin-bottom:12px;line-height:1.45}
.consent input{width:18px;height:18px;margin-top:3px;flex:none}
.consent a{color:var(--navy);text-decoration:underline}
.fineprint{font-size:.78rem;color:var(--muted);margin-top:10px}

/* Grids */
.grid{display:grid;gap:24px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.18s}
.tile:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.tile .ic{width:46px;height:46px;border-radius:10px;background:rgba(200,162,75,.15);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:14px;font-weight:700}
.tile h3{margin:0 0 6px;font-size:1.1rem}
.tile p{margin:0;color:var(--muted);font-size:.97rem}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.step{position:relative;padding:28px 22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.step:before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:22px;width:40px;height:40px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Poppins';font-weight:700;font-size:1.1rem}
.step h3{margin-top:10px}

/* CTA band */
.band{background:var(--navy);color:#fff;text-align:center}
.band h2{color:#fff}
.band p{color:#cdd6e0;max-width:640px;margin:0 auto 22px}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;text-align:center}
.stat .n{font-family:'Poppins';font-weight:700;font-size:2.1rem;color:var(--gold)}
.stat .l{color:var(--muted);font-size:.95rem}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:4px 20px;margin-bottom:12px}
.faq summary{font-family:'Poppins';font-weight:600;color:var(--navy);padding:16px 0;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:1.5rem;color:var(--gold)}
.faq details[open] summary:after{content:"–"}
.faq details p{padding-bottom:16px;margin:0;color:var(--muted)}

/* Prose (legal pages) */
.prose{max-width:820px;margin:0 auto}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.3em}
.prose ul{color:var(--muted)}
.prose p{color:var(--muted)}

/* Footer */
footer.site{background:#0f2236;color:#c2cdd8;padding:54px 0 26px;font-size:.95rem}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:30px}
footer.site img{height:54px;margin-bottom:14px}
footer.site h4{color:#fff;font-size:1rem;margin:0 0 12px}
footer.site a{color:#c2cdd8;display:block;margin-bottom:8px}
footer.site a:hover{color:var(--gold)}
footer.site .legal{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.85rem;color:#90a0b0}
.page-head{background:linear-gradient(135deg,#0f2236,#1c3a55);color:#fff;padding:60px 0;text-align:center}
.page-head h1{color:#fff;margin-bottom:8px}
.page-head p{color:#cdd6e0;max-width:680px;margin:0 auto}

@media(max-width:980px){
  .hero .wrap{grid-template-columns:1fr;gap:30px}
  .g3,.g4,.steps,.stats{grid-template-columns:1fr 1fr}
  .nav ul{display:none}
  .nav ul.open{display:flex;flex-direction:column;position:absolute;top:70px;left:0;right:0;background:#fff;padding:18px 22px;gap:14px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);z-index:60}
  .burger{display:block}
  .nav .phone{display:none}
  footer.site .cols{grid-template-columns:1fr;gap:24px}
  footer.site .legal{flex-direction:column;gap:6px}
}

/* Consultation / options cards */
.opt{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.18s}
.opt:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.opt .num{display:inline-block;font-family:'Poppins';font-weight:700;color:var(--gold);font-size:.78rem;letter-spacing:1.5px;margin-bottom:8px}
.opt h3{margin:0 0 6px;font-size:1.1rem}
.opt p{margin:0;color:var(--muted);font-size:.97rem}
.hero-actions .btn.alt{color:#fff}

/* Footer disclosures */
footer.site .disclaimer{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;margin-bottom:16px;font-size:.72rem;line-height:1.55;color:#7f90a0}
footer.site .disclaimer p{margin:0 0 8px}
footer.site .disclaimer strong{color:#aab8c6}
footer.site .disclaimer em{font-style:italic;color:#c2cdd8}