:root {
  --navy: #0f2a44;
  --navy-2: #163a5c;
  --gold: #c8a24a;
  --gold-soft: #f3ead3;
  --ink: #1b2430;
  --muted: #5b6676;
  --line: #e3e7ec;
  --bg: #ffffff;
  --bg-alt: #f6f7f9;
  --radius: 14px;
  --max: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 76px; }
body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; }
a { color: inherit; }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .6em; }
h1, h2 { font-family: Fraunces, Georgia, serif; font-weight: 600; letter-spacing: -.01em; }
h1 { font-size: clamp(2.2rem, 5.5vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3.6vw, 2.4rem); }
h3 { font-size: 1.15rem; font-weight: 600; }
p { margin: 0 0 1em; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 10;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 10px;
  display: grid; place-items: center;
  background: var(--navy); color: var(--gold);
  font-family: Fraunces, Georgia, serif; font-weight: 600; font-size: 1rem;
}
.brand-name { font-weight: 700; font-size: 1.05rem; color: var(--navy); }
.brand-name span { font-weight: 500; color: var(--muted); }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { text-decoration: none; font-weight: 500; font-size: .95rem; color: var(--ink); }
.nav-links a:not(.btn):hover { color: var(--navy-2); text-decoration: underline; text-underline-offset: 4px; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; }

/* Buttons */
.btn {
  display: inline-block; text-decoration: none; font-weight: 600;
  background: var(--navy); color: #fff !important;
  padding: 14px 24px; border-radius: 999px; border: 2px solid var(--navy);
  transition: background .2s, color .2s, transform .2s;
}
.btn:hover { background: var(--navy-2); transform: translateY(-1px); }
.btn-small { padding: 9px 18px; font-size: .9rem; }
.btn-ghost { background: transparent; color: var(--navy) !important; }
.btn-ghost:hover { background: var(--navy); color: #fff !important; }
.btn-light { background: var(--gold); border-color: var(--gold); color: var(--navy) !important; }
.btn-light:hover { background: #d6b464; }

/* Hero */
.hero {
  background:
    radial-gradient(900px 400px at 85% -10%, rgba(200,162,74,.18), transparent 60%),
    linear-gradient(180deg, #f8f9fb 0%, #fff 100%);
  border-bottom: 1px solid var(--line);
}
.hero-inner { padding: clamp(72px, 12vw, 140px) 20px clamp(64px, 10vw, 120px); max-width: 860px; margin-left: max(0px, calc((100% - var(--max)) / 2)); }
.eyebrow {
  text-transform: uppercase; letter-spacing: .14em; font-size: .78rem;
  font-weight: 600; color: #9a7a2c; margin-bottom: 14px;
}
.lead { font-size: 1.2rem; color: var(--muted); max-width: 640px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

/* Sections */
.section { padding: clamp(64px, 9vw, 110px) 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: var(--navy); color: #fff; }
.section-dark .eyebrow { color: var(--gold); }
.section-dark .lead { color: #c9d4e0; }
.two-col { display: grid; grid-template-columns: 1fr 1.2fr; gap: 56px; align-items: start; }
.prose p { color: var(--muted); }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 36px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: 0 12px 30px rgba(15,42,68,.08); transform: translateY(-2px); }
.card p { color: var(--muted); margin: 0; font-size: .98rem; }
.card-icon {
  width: 46px; height: 46px; border-radius: 12px; background: var(--gold-soft);
  display: grid; place-items: center; margin-bottom: 18px;
}
.card-icon svg { width: 24px; height: 24px; fill: none; stroke: var(--navy); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

/* Steps */
.steps { list-style: none; padding: 0; margin: 36px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: none; }
.steps li { border-top: 2px solid var(--navy); padding-top: 20px; }
.steps p { color: var(--muted); font-size: .98rem; margin: 0; }
.step-num { display: block; font-family: Fraunces, Georgia, serif; color: var(--gold); font-size: 1.6rem; font-weight: 600; margin-bottom: 8px; }

/* Contact */
.contact-box {
  background: var(--navy-2); border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius); padding: 32px;
  display: flex; flex-direction: column; gap: 22px; align-items: flex-start;
}
.contact-item { display: flex; flex-direction: column; gap: 4px; }
.contact-label { font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; color: #9fb0c3; font-weight: 600; }
.contact-item a { color: #fff; font-size: 1.15rem; font-weight: 600; text-decoration: none; word-break: break-word; }
.contact-item a:hover { text-decoration: underline; }
.contact-item address { font-style: normal; color: #dde5ee; }

/* Footer */
.site-footer { background: #0a1e31; color: #9fb0c3; font-size: .9rem; padding: 36px 0; }
.site-footer strong { color: #fff; }
.site-footer p { margin: 6px 0 0; }
.footer-inner { display: flex; justify-content: space-between; gap: 30px; flex-wrap: wrap; }
.footer-links { display: flex; flex-direction: column; gap: 6px; align-items: flex-end; }
.footer-links a { color: #dde5ee; text-decoration: none; }
.footer-links a:hover { text-decoration: underline; }

/* Legal page */
.legal { max-width: 780px; padding: 64px 20px 90px; }
.legal h1 { font-size: clamp(2rem, 4vw, 2.6rem); }
.legal h2 { font-size: 1.35rem; margin-top: 2em; font-family: Inter, system-ui, sans-serif; font-weight: 700; }
.legal p, .legal li { color: #3b4655; }
.legal .updated { color: var(--muted); }

/* Responsive */
@media (max-width: 900px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .two-col { grid-template-columns: 1fr; gap: 24px; }
}
@media (max-width: 720px) {
  .nav-toggle { display: block; }
  .nav-links {
    display: none; position: absolute; top: 68px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 20px 18px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .nav-links a.btn { margin-top: 12px; text-align: center; border-bottom: 2px solid var(--navy); }
  .cards, .steps { grid-template-columns: 1fr; }
  .footer-links { align-items: flex-start; }
  body { font-size: 16px; }
}