:root {
  --navy: #071726;
  --navy-2: #0d2235;
  --gold: #c9a24a;
  --gold-light: #f2dd9e;
  --cream: #f8f5ef;
  --text: #1f2933;
  --muted: #6b7280;
  --white: #ffffff;
  --border: #e7e1d6;
  --shadow: 0 24px 70px rgba(7, 23, 38, .16);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
.container { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(248, 245, 239, .92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(201, 162, 74, .25);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 12px; font-weight: 800; letter-spacing: .08em; }
.brand-mark {
  width: 42px; height: 42px; border-radius: 50%;
  display: grid; place-items: center;
  background: linear-gradient(145deg, var(--gold), #8f6d24);
  color: var(--navy);
  font-weight: 900;
  box-shadow: 0 10px 24px rgba(201,162,74,.35);
}
.brand-text { color: var(--navy); font-size: 1.1rem; }
.main-nav { display: flex; gap: 24px; align-items: center; color: var(--navy); font-weight: 600; }
.main-nav a { opacity: .82; }
.main-nav a:hover { color: var(--gold); opacity: 1; }
.menu-toggle { display: none; border: none; background: var(--navy); color: white; border-radius: 10px; padding: 10px 12px; font-size: 1.1rem; }
.hero {
  background:
    radial-gradient(circle at 75% 20%, rgba(201,162,74,.24), transparent 32%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
  color: white;
  padding: 86px 0 72px;
}
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 50px; align-items: center; }
.eyebrow { color: var(--gold); text-transform: uppercase; letter-spacing: .16em; font-weight: 800; font-size: .78rem; margin: 0 0 12px; }
h1, h2, h3 { line-height: 1.12; margin-top: 0; }
h1 { font-size: clamp(2.6rem, 6vw, 5.3rem); max-width: 870px; margin-bottom: 22px; }
h2 { font-size: clamp(2rem, 4vw, 3.2rem); color: var(--navy); }
h3 { font-size: 1.25rem; color: var(--navy); }
.hero-text { color: rgba(255,255,255,.84); font-size: 1.18rem; max-width: 680px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 34px 0 28px; }
.btn { display: inline-flex; align-items: center; justify-content: center; border-radius: 999px; padding: 14px 24px; font-weight: 800; border: 1px solid transparent; transition: transform .2s ease, box-shadow .2s ease; cursor: pointer; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: linear-gradient(145deg, var(--gold), #a9852e); color: var(--navy); box-shadow: 0 16px 28px rgba(201,162,74,.23); }
.btn-secondary { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.28); color: white; }
.full { width: 100%; border: none; font-size: 1rem; }
.trust-row { display: flex; gap: 12px; flex-wrap: wrap; }
.trust-row span { border: 1px solid rgba(255,255,255,.18); border-radius: 999px; padding: 8px 13px; color: rgba(255,255,255,.82); font-size: .93rem; }
.hero-card { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.hero-card h2 { color: white; font-size: 2rem; }
.hero-card p, .hero-card li { color: rgba(255,255,255,.78); }
.hero-card ul { padding-left: 18px; }
.card-topline { color: var(--gold-light); font-weight: 800; margin-bottom: 12px; }
.section { padding: 82px 0; }
.intro-section { background: white; }
.two-col { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: start; }
.two-col p:last-child { font-size: 1.1rem; color: var(--muted); }
.section-heading { text-align: center; max-width: 720px; margin: 0 auto 44px; }
.section-heading p:not(.eyebrow) { color: var(--muted); font-size: 1.08rem; }
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.service-card, .step, .form-card, .cta-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 18px 42px rgba(7,23,38,.08);
}
.service-card { padding: 26px; min-height: 310px; }
.service-card p, .step p { color: var(--muted); }
.icon { color: var(--gold); font-weight: 900; display: inline-block; margin-bottom: 38px; }
.process-section { background: var(--navy); }
.process-section h2 { color: white; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.step { padding: 24px; }
.step strong { width: 42px; height: 42px; border-radius: 50%; background: var(--gold); color: var(--navy); display: grid; place-items: center; margin-bottom: 22px; }
.form-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 46px; align-items: start; }
.form-layout.reverse { grid-template-columns: 1.2fr .8fr; }
.form-layout.reverse .form-copy { order: 2; }
.form-copy { position: sticky; top: 104px; }
.form-copy p:not(.eyebrow) { color: var(--muted); font-size: 1.08rem; }
.form-card { padding: 28px; display: grid; gap: 16px; }
.form-card label { display: grid; gap: 8px; font-weight: 700; color: var(--navy); }
input, select, textarea {
  width: 100%; border: 1px solid #d8d2c7; border-radius: 14px; padding: 14px 14px;
  font: inherit; background: #fffdf8; color: var(--text);
}
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(201,162,74,.22); border-color: var(--gold); }
.split-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.provider-section { background: white; }
.cta-section { background: linear-gradient(135deg, var(--navy), var(--navy-2)); }
.cta-card { display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 34px; background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.18); }
.cta-card h2 { color: white; margin-bottom: 10px; }
.cta-card p { color: rgba(255,255,255,.78); margin: 0; }
.site-footer { background: #06111d; color: rgba(255,255,255,.78); padding: 54px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 36px; }
.footer-brand .brand-text { color: white; }
.site-footer h3 { color: white; }
.site-footer a { color: var(--gold-light); }
.copyright { margin-top: 36px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.1); font-size: .92rem; }

@media (max-width: 920px) {
  .hero-grid, .two-col, .form-layout, .form-layout.reverse, .footer-grid { grid-template-columns: 1fr; }
  .form-layout.reverse .form-copy { order: 0; }
  .service-grid, .steps { grid-template-columns: repeat(2, 1fr); }
  .form-copy { position: static; }
}
@media (max-width: 680px) {
  .container { width: min(100% - 26px, 1120px); }
  .main-nav { display: none; position: absolute; left: 13px; right: 13px; top: 72px; background: white; border: 1px solid var(--border); border-radius: 18px; padding: 18px; flex-direction: column; align-items: flex-start; box-shadow: var(--shadow); }
  .main-nav.open { display: flex; }
  .menu-toggle { display: inline-block; }
  .hero { padding: 58px 0; }
  .service-grid, .steps, .split-fields { grid-template-columns: 1fr; }
  .cta-card { flex-direction: column; align-items: flex-start; }
  .section { padding: 58px 0; }
}