:root {
  --navy: #0B2A4A;
  --navy-light: #123A63;
  --navy-dark: #071A30;
  --gold: #C9A227;
  --gold-light: #E4C558;
  --bg: #F7F8FA;
  --white: #FFFFFF;
  --text: #1C2B3A;
  --text-light: #5B6B7C;
  --border: #E3E7ED;
  --shadow: 0 10px 30px rgba(11, 42, 74, 0.08);
  --radius: 10px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, Segoe UI, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  color: var(--navy);
  line-height: 1.25;
  font-weight: 700;
}

h1 { font-size: 2.75rem; }
h2 { font-size: 2.1rem; }
h3 { font-size: 1.4rem; }

p { color: var(--text-light); }

a { color: var(--navy); text-decoration: none; }

img { max-width: 100%; display: block; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 80px 0; }

.section-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-head {
  max-width: 640px;
  margin: 0 auto 48px;
  text-align: center;
}

.section-head p { margin-top: 14px; font-size: 1.05rem; }

.bg-alt { background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s ease;
}

.btn-primary { background: var(--gold); color: var(--navy-dark); }
.btn-primary:hover { background: var(--gold-light); }

.btn-outline { border-color: var(--white); color: var(--white); }
.btn-outline:hover { background: rgba(255,255,255,0.12); }

.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-light); }

.btn-ghost { border-color: var(--navy); color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: var(--white); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}

.logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
}

.logo span { color: var(--gold); }

.main-nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.main-nav a {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text);
  padding: 8px 0;
  border-bottom: 2px solid transparent;
}

.main-nav a:hover,
.main-nav a.active { color: var(--navy); border-bottom-color: var(--gold); }

.main-nav a.nav-cta {
  background: var(--navy);
  color: var(--white);
  padding: 10px 20px;
  border-radius: 6px;
  border-bottom: none;
}

.main-nav a.nav-cta:hover { background: var(--navy-light); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
}

.nav-toggle span {
  width: 100%;
  height: 2px;
  background: var(--navy);
  display: block;
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy) 60%, var(--navy-light));
  color: var(--white);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  right: -120px;
  top: -120px;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  border: 60px solid rgba(201, 162, 39, 0.12);
}

.hero-inner { position: relative; z-index: 1; max-width: 720px; }

.hero .section-eyebrow { color: var(--gold-light); }

.hero h1 { color: var(--white); margin-bottom: 20px; }

.hero p.lead {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 32px;
  max-width: 600px;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.page-hero { padding: 70px 0; }
.page-hero h1 { font-size: 2.4rem; }

/* Service / value cards */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  height: 100%;
}

.card .icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(201, 162, 39, 0.14);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.card .icon svg { width: 24px; height: 24px; stroke: var(--navy); }

.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.95rem; margin-bottom: 16px; }
.card a.card-link { font-weight: 600; font-size: 0.9rem; color: var(--navy); }
.card a.card-link:hover { color: var(--gold); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding-left: 8px; }
.step .step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  margin-bottom: 16px;
}

/* Lists */
.check-list { list-style: none; display: grid; gap: 12px; }
.check-list li {
  position: relative;
  padding-left: 32px;
  color: var(--text);
  font-size: 0.98rem;
}
.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 3px;
  width: 20px;
  height: 20px;
  background: var(--gold);
  border-radius: 50%;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 13l4 4L19 7'/%3E%3C/svg%3E") center/60% no-repeat;
}

/* CTA band */
.cta-band {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  color: var(--white);
  text-align: center;
  padding: 64px 0;
}

.cta-band h2 { color: var(--white); margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,0.8); margin-bottom: 28px; }

/* Disclaimer note */
.notice {
  background: #FBF6E7;
  border: 1px solid #E9D791;
  border-radius: var(--radius);
  padding: 20px 24px;
  font-size: 0.92rem;
  color: var(--text);
  margin-top: 32px;
}

.notice strong { color: var(--navy); }

/* Footer */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,0.75); }
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  padding: 64px 0 40px;
}
.footer-logo { color: var(--white); margin-bottom: 14px; display: inline-block; }
.footer-logo span { color: var(--gold-light); }
.footer-col p { color: rgba(255,255,255,0.65); font-size: 0.92rem; }
.footer-col h4 { color: var(--white); font-size: 1rem; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.75); font-size: 0.92rem; margin-bottom: 10px; }
.footer-col a:hover { color: var(--gold-light); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding: 24px 0 40px;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 0.85rem;
}

.footer-bottom .disclaimer { max-width: 640px; color: rgba(255,255,255,0.55); }

/* Contact page */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-info-item { display: flex; gap: 16px; margin-bottom: 28px; }
.contact-info-item .icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(201,162,39,0.14); display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.contact-info-item .icon svg { width: 22px; height: 22px; stroke: var(--navy); }
.contact-info-item h4 { margin-bottom: 4px; font-size: 1rem; }

form.contact-form { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.form-row { margin-bottom: 20px; }
.form-row label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 8px; color: var(--navy); }
.form-row input, .form-row select, .form-row textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border); border-radius: 6px;
  font-family: inherit; font-size: 0.95rem; color: var(--text); background: var(--bg);
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus { outline: none; border-color: var(--gold); }
.form-row textarea { resize: vertical; min-height: 130px; }
.form-note { font-size: 0.85rem; color: var(--text-light); margin-top: 12px; }

/* Responsive */
@media (max-width: 900px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  h1 { font-size: 2.1rem; }
  h2 { font-size: 1.6rem; }
  section { padding: 56px 0; }
  .main-nav {
    position: absolute;
    top: 84px; left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    flex-direction: column;
    align-items: flex-start;
    padding: 20px 24px 28px;
    gap: 18px;
    display: none;
  }
  .main-nav.open { display: flex; }
  .nav-toggle { display: flex; }
  .grid-4 { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; padding: 48px 0 24px; }
  .footer-bottom { flex-direction: column; }
}