:root{
  --navy:#183A59; --gold:#C9A45E; --cream:#FAF7F1; --sage:#A9B8A2; --ink:#22313F; --white:#fff;
  --shadow:0 12px 35px rgba(24,58,89,.10); --radius:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{width:min(1160px,92%);margin:auto}
.topbar{background:var(--navy);color:#fff;font-size:.94rem}
.topbar .container{display:flex;justify-content:flex-end;gap:24px;padding:8px 0;flex-wrap:wrap}
header{background:#fff;position:sticky;top:0;z-index:30;box-shadow:0 2px 12px rgba(0,0,0,.05)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:14px 0}
.logo{width:300px;max-width:46vw}
nav{display:flex;gap:18px;align-items:center;font-size:.96rem}
nav a:hover{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 22px;border-radius:999px;font-weight:700;transition:.2s;border:2px solid transparent}
.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{transform:translateY(-1px);filter:brightness(.96)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-navy{background:var(--navy);color:#fff}
.hero{background:linear-gradient(135deg,#fff 0%,var(--cream) 65%);padding:68px 0 56px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.eyebrow{color:#9B7A37;font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:.86rem}
h1,h2,h3{font-family:Georgia,serif;color:var(--navy);line-height:1.15;margin-top:0}
h1{font-size:clamp(2.6rem,5vw,4.8rem);margin-bottom:20px}
h2{font-size:clamp(2rem,3.5vw,3rem);margin-bottom:14px}
h3{font-size:1.4rem}
.hero p{font-size:1.14rem;max-width:660px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.tagline{font-family:Georgia,serif;color:#9B7A37;font-style:italic;font-size:1.15rem;margin-top:18px}
.hero-art{border-radius:30px;overflow:hidden;box-shadow:var(--shadow)}
.trust{padding:28px 0;border-top:1px solid #eee;border-bottom:1px solid #eee;background:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.trust-item{display:flex;gap:14px;align-items:flex-start;padding:12px}
.icon{width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--gold),#E5C47F);display:grid;place-items:center;color:#fff;font-size:1.45rem;flex:0 0 auto}
.section{padding:78px 0}
.section.alt{background:var(--cream)}
.section-title{text-align:center;max-width:760px;margin:0 auto 38px}
.section-title p{margin-bottom:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid #eee;border-radius:var(--radius);padding:26px;box-shadow:0 8px 24px rgba(0,0,0,.04)}
.card .icon{margin-bottom:16px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:step}
.step{position:relative;padding:28px 24px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow)}
.step:before{counter-increment:step;content:counter(step);position:absolute;top:-14px;left:20px;width:34px;height:34px;border-radius:50%;background:var(--gold);color:#fff;display:grid;place-items:center;font-weight:800}
.split{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}
.quote{background:var(--navy);color:#fff;padding:34px;border-radius:24px;font-family:Georgia,serif;font-size:1.35rem}
.area-list{display:flex;flex-wrap:wrap;gap:10px;margin:20px 0}
.pill{background:#fff;border:1px solid #dedede;border-radius:999px;padding:8px 14px}
.cta{background:var(--navy);color:#fff;text-align:center;padding:68px 0}
.cta h2{color:#fff}.cta p{max-width:760px;margin:0 auto 24px}
.form-wrap{max-width:900px;margin:auto;background:#fff;padding:30px;border-radius:24px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{display:block;font-weight:700;margin-bottom:6px;color:var(--navy)}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid #cfcfcf;border-radius:12px;font:inherit}
textarea{min-height:130px;resize:vertical}
.full{grid-column:1/-1}
.notice{font-size:.9rem;color:#666}
footer{background:#0F2D47;color:#fff;padding:48px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:34px}
footer h3{color:#fff}
footer a{color:#fff;opacity:.92}
footer .logo{filter:brightness(0) invert(1)}
.copy{border-top:1px solid rgba(255,255,255,.2);margin-top:28px;padding-top:18px;font-size:.9rem;opacity:.8}
.mobile-bar{display:none}
.page-hero{padding:64px 0;background:linear-gradient(135deg,var(--cream),#fff)}
.page-hero .container{max-width:900px}
.faq details{background:#fff;border:1px solid #e7e7e7;border-radius:14px;padding:18px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}
.small-note{font-size:.92rem;color:#6b6b6b}
@media(max-width:900px){
  nav{display:none}
  .hero-grid,.split,.footer-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .logo{max-width:72vw}
}
@media(max-width:620px){
  .topbar .container{justify-content:center;gap:12px}
  .hero{padding-top:42px}
  .cards,.steps,.trust-grid,.form-grid{grid-template-columns:1fr}
  .section{padding:58px 0}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:50}
  .mobile-bar a{padding:14px;text-align:center;font-weight:800;color:#fff}
  .mobile-bar a:first-child{background:var(--navy)}
  .mobile-bar a:last-child{background:var(--gold)}
  body{padding-bottom:54px}
}