:root {
  --navy: #14213d;
  --navy-2: #1d2f57;
  --gold: #c9a227;
  --gold-dark: #a8861a;
  --ink: #1f2430;
  --muted: #5b6475;
  --line: #e3e6ec;
  --bg: #ffffff;
  --bg-soft: #f5f6f9;
  --radius: 10px;
  --max: 1100px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}

h1, h2, h3 {
  font-family: "Merriweather", Georgia, "Times New Roman", serif;
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 0.6em;
}
h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
a { color: var(--navy-2); }

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

/* Header */
.site-header {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
  box-shadow: 0 2px 10px rgba(0,0,0,0.15);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px 24px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.brand {
  color: #fff;
  text-decoration: none;
  font-family: "Merriweather", Georgia, serif;
  font-weight: 700;
  font-size: 1.25rem;
  letter-spacing: 0.3px;
}
.brand span { color: var(--gold); }
.nav { display: flex; flex-wrap: wrap; gap: 4px 22px; }
.nav a {
  color: #d9deea;
  text-decoration: none;
  font-size: 0.95rem;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
}
.nav a:hover, .nav a.active { color: #fff; border-bottom-color: var(--gold); }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #e8ecf5;
  padding: 90px 0 80px;
}
.hero h1 { color: #fff; max-width: 780px; }
.hero p.lead { font-size: 1.2rem; max-width: 680px; color: #cfd6e6; }
.page-hero { padding: 60px 0 50px; }
.eyebrow {
  display: inline-block;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-size: 0.8rem;
  margin-bottom: 12px;
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: 6px;
  font-weight: 600;
  text-decoration: none;
  transition: background 0.15s, color 0.15s;
  border: 2px solid transparent;
}
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-dark); color: #fff; }
.btn-outline { border-color: rgba(255,255,255,0.5); color: #fff; }
.btn-outline:hover { background: rgba(255,255,255,0.1); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

/* Sections */
section { padding: 70px 0; }
.soft { background: var(--bg-soft); }
.section-intro { max-width: 720px; color: var(--muted); margin-bottom: 36px; }

.grid {
  display: grid;
  gap: 22px;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  border-top: 4px solid var(--gold);
}
.card p { color: var(--muted); margin-bottom: 0; }
.card ul { color: var(--muted); padding-left: 20px; margin: 0; }

.two-col {
  display: grid;
  gap: 40px;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  align-items: start;
}

ul.ticks { list-style: none; padding: 0; margin: 0 0 1em; }
ul.ticks li { padding-left: 30px; position: relative; margin-bottom: 10px; }
ul.ticks li::before {
  content: "✓";
  position: absolute; left: 0; top: 0;
  color: var(--gold-dark);
  font-weight: 700;
}

/* Steps */
.steps { counter-reset: step; display: grid; gap: 18px; }
.step {
  counter-increment: step;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 22px 22px 78px;
  position: relative;
}
.step::before {
  content: counter(step);
  position: absolute; left: 22px; top: 22px;
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.step h3 { margin-bottom: 4px; }
.step p { color: var(--muted); margin: 0; }

/* CTA band */
.cta-band { background: var(--navy); color: #d9deea; text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band .btn-row { justify-content: center; }

/* Contact */
.contact-box {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
}
.contact-line { margin-bottom: 16px; }
.contact-line strong { display: block; color: var(--navy); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 1px; }
.contact-line a, .contact-line span { font-size: 1.15rem; }

form label { display: block; font-weight: 600; font-size: 0.92rem; margin: 14px 0 6px; color: var(--navy); }
form input, form textarea, form select {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid #cdd2dc;
  border-radius: 6px;
  font: inherit;
  font-size: 1rem;
  background: #fff;
}
form textarea { min-height: 140px; resize: vertical; }
form button { margin-top: 18px; cursor: pointer; font: inherit; font-weight: 600; }
.small { font-size: 0.85rem; color: var(--muted); }

/* Footer */
.site-footer { background: #0e1830; color: #9aa4ba; padding: 40px 0 30px; font-size: 0.9rem; }
.site-footer a { color: #d9deea; }
.footer-grid { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 20px; }
.disclaimer { border-top: 1px solid #23304f; margin-top: 26px; padding-top: 18px; font-size: 0.8rem; line-height: 1.5; }

@media (max-width: 600px) {
  body { font-size: 16px; }
  .hero { padding: 60px 0 56px; }
  section { padding: 50px 0; }
  .container { padding: 0 16px; }
  .site-header { position: static; }
}