:root{
  --navy:#0b1730;
  --navy-2:#101f41;
  --gold:#d6a84f;
  --gold-light:#f0d18f;
  --text:#162236;
  --muted:#64748b;
  --line:#e6e9ef;
  --white:#ffffff;
  --bg:#f8f7f4;
  --shadow:0 20px 55px rgba(11,23,48,.12);
  --radius:24px;
  --container:min(1180px, calc(100% - 40px));
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Inter", Arial, sans-serif;
  color:var(--text);
  background:var(--bg);
}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}

.container{width:var(--container);margin:0 auto}

.topbar{
  background:var(--navy);
  color:#f8f1e5;
  font-size:14px;
}
.topbar-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:12px 0;
}

.site-header{
  position:sticky;
  top:0;
  z-index:40;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(12px);
  border-bottom:1px solid rgba(0,0,0,.06);
}
.nav{
  display:flex;
  align-items:center;
  min-height:88px;
  gap:24px;
}
.brand img{
  height:58px;
  width:auto;
}
.desktop-nav{
  display:flex;
  gap:22px;
  margin-left:auto;
  font-weight:600;
  color:#42526a;
}
.desktop-nav a:hover{color:var(--navy)}
.desktop-cta{margin-left:8px}

.menu-toggle{
  display:none;
  margin-left:auto;
  border:1px solid rgba(0,0,0,.12);
  background:#fff;
  border-radius:12px;
  padding:10px 12px;
  font-size:20px;
}
.mobile-menu{
  display:none;
  flex-direction:column;
  gap:14px;
  padding:0 20px 18px;
  background:#fff;
  border-top:1px solid rgba(0,0,0,.06);
}
.mobile-menu.open{display:flex}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:50px;
  padding:0 22px;
  border-radius:999px;
  font-weight:700;
  transition:.2s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-gold{
  color:#201407;
  background:linear-gradient(135deg, var(--gold-light), var(--gold));
  box-shadow:0 10px 24px rgba(214,168,79,.28);
}
.btn-dark{
  background:var(--navy);
  color:#fff;
}

.hero{
  padding:72px 0 48px;
  background:
    radial-gradient(circle at top left, rgba(214,168,79,.12), transparent 25%),
    linear-gradient(180deg, #fcfbf8 0%, #f4f1ea 100%);
}
.hero-grid{
  display:grid;
  grid-template-columns:1.02fr .98fr;
  gap:40px;
  align-items:center;
}
.eyebrow{
  margin:0 0 14px;
  color:#8b6a2f;
  font-size:13px;
  font-weight:800;
  letter-spacing:.18em;
}
h1,h2,h3{
  margin:0;
  font-family:"Cormorant Garamond", Georgia, serif;
  letter-spacing:-.02em;
}
.hero h1{
  font-size:clamp(44px,6vw,74px);
  line-height:.98;
  margin-bottom:18px;
}
.lead{
  color:#4f5e74;
  font-size:18px;
  line-height:1.75;
  margin:0 0 28px;
}
.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin-bottom:24px;
}
.hero-points{
  list-style:none;
  padding:0;
  margin:0;
  display:flex;
  flex-wrap:wrap;
  gap:12px;
}
.hero-points li{
  padding:10px 14px;
  background:#fff;
  border:1px solid #ece3d0;
  border-radius:999px;
  color:#49566a;
  font-weight:600;
  font-size:14px;
}

.hero-visual{
  position:relative;
}
.hero-visual img{
  width:100%;
  border-radius:30px;
  box-shadow:var(--shadow);
  border:1px solid rgba(11,23,48,.08);
}
.offer-card{
  position:absolute;
  right:18px;
  bottom:18px;
  width:min(280px, calc(100% - 36px));
  background:rgba(11,23,48,.88);
  color:#fff;
  border-radius:24px;
  padding:22px;
  box-shadow:0 15px 40px rgba(11,23,48,.28);
}
.offer-badge{
  display:inline-block;
  padding:7px 10px;
  border-radius:999px;
  background:rgba(214,168,79,.18);
  color:#f5d99f;
  border:1px solid rgba(214,168,79,.3);
  font-size:12px;
  font-weight:800;
  letter-spacing:.12em;
}
.offer-card h3{
  font-size:46px;
  margin:12px 0 8px;
}
.offer-card p{
  margin:0;
  color:#dfe6f1;
  line-height:1.6;
}

.trust-strip{
  padding-bottom:16px;
  margin-top:-8px;
}
.trust-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
}
.trust-item{
  background:#fff;
  border:1px solid #ebe3d4;
  border-radius:18px;
  text-align:center;
  padding:18px;
  font-weight:700;
  color:#243148;
  box-shadow:0 10px 22px rgba(11,23,48,.05);
}

.section{padding:96px 0}
.section-dark{
  background:linear-gradient(180deg, var(--navy) 0%, #14254a 100%);
  color:#fff;
}
.section-heading{
  max-width:760px;
  margin:0 auto 36px;
}
.section-heading.center{text-align:center}
.section-heading h2,
.split-grid h2,
.quote-copy h2{
  font-size:clamp(38px,4.2vw,58px);
  line-height:1.02;
  margin:12px 0 14px;
}
.section-heading p,
.about-copy p,
.quote-copy p{
  color:#617086;
  font-size:18px;
  line-height:1.7;
}
.section-dark .about-copy p{color:#d7deea}

.cards-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:18px;
}
.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:24px;
  padding:28px;
  box-shadow:0 12px 28px rgba(11,23,48,.05);
}
.icon{
  width:58px;
  height:58px;
  display:grid;
  place-items:center;
  border-radius:16px;
  background:#f6efe2;
  font-size:28px;
  margin-bottom:16px;
}
.card h3{
  font-size:30px;
  margin-bottom:10px;
}
.card p{
  margin:0;
  color:#607086;
  line-height:1.7;
}

.split-grid{
  display:grid;
  grid-template-columns:1.06fr .94fr;
  gap:28px;
  align-items:start;
}
.feature-list{
  display:grid;
  gap:16px;
  margin-top:28px;
}
.feature{
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.1);
  border-radius:18px;
  padding:18px 20px;
}
.feature strong{
  display:block;
  margin-bottom:6px;
  font-size:18px;
}
.feature span{
  color:#d6ddeb;
}
.info-panel{
  background:#fff;
  color:var(--text);
  padding:30px;
  border-radius:28px;
  box-shadow:var(--shadow);
}
.info-panel h3{
  font-size:38px;
  margin-bottom:16px;
}
.info-panel p{
  margin:0 0 12px;
  color:#4d5b70;
}
.info-panel a{color:var(--navy)}

.process-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
}
.process-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:24px;
  padding:28px;
  box-shadow:0 12px 28px rgba(11,23,48,.05);
}
.process-card span{
  width:48px;
  height:48px;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:#f3ead9;
  color:#8a682c;
  font-weight:800;
  margin-bottom:16px;
}
.process-card h3{
  font-size:30px;
  margin-bottom:10px;
}
.process-card p{
  margin:0;
  color:#607086;
  line-height:1.7;
}

.quote-section{
  background:linear-gradient(180deg, #faf7f1 0%, #f4efe4 100%);
}
.quote-grid{
  display:grid;
  grid-template-columns:.92fr 1.08fr;
  gap:28px;
  align-items:start;
}
.quote-form{
  background:#fff;
  border:1px solid #eadfca;
  border-radius:28px;
  padding:28px;
  box-shadow:var(--shadow);
}
.field-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
}
.field{
  display:flex;
  flex-direction:column;
  gap:8px;
  margin-bottom:16px;
}
.field label{
  font-weight:700;
  color:#233149;
}
.field input,
.field select,
.field textarea{
  width:100%;
  border:1px solid #dddfe6;
  border-radius:16px;
  padding:14px 16px;
  font:inherit;
  background:#fff;
}
.field input:focus,
.field select:focus,
.field textarea:focus{
  outline:2px solid rgba(214,168,79,.18);
  border-color:var(--gold);
}
.submit-btn{
  width:100%;
  border:none;
  cursor:pointer;
}
.form-message{
  margin:14px 4px 0;
  color:#256c4e;
  min-height:22px;
  font-weight:600;
}

.faq-list{
  max-width:900px;
  margin:0 auto;
  display:grid;
  gap:14px;
}
.faq-list details{
  background:#fff;
  border:1px solid var(--line);
  border-radius:18px;
  padding:18px 20px;
}
.faq-list summary{
  cursor:pointer;
  font-weight:700;
  color:#21314a;
}
.faq-list p{
  margin:12px 0 0;
  color:#607086;
  line-height:1.7;
}

.site-footer{
  background:var(--navy);
  color:#d5ddeb;
  padding:56px 0;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.2fr .9fr .9fr;
  gap:26px;
}
.footer-logo{
  width:320px;
  max-width:100%;
  margin-bottom:14px;
  border-radius:12px;
}
.site-footer h3{
  font-size:28px;
  margin-bottom:14px;
}
.site-footer p,
.site-footer li,
.site-footer a{
  color:#d5ddeb;
  line-height:1.8;
}
.site-footer ul{
  list-style:none;
  padding:0;
  margin:0;
}

@media (max-width: 1050px){
  .desktop-nav,.desktop-cta{display:none}
  .menu-toggle{display:block}
  .hero-grid,
  .cards-grid,
  .split-grid,
  .process-grid,
  .quote-grid,
  .trust-grid,
  .footer-grid{
    grid-template-columns:1fr 1fr;
  }
}

@media (max-width: 760px){
  .topbar-inner{
    flex-direction:column;
    align-items:flex-start;
  }
  .hero-grid,
  .cards-grid,
  .split-grid,
  .process-grid,
  .quote-grid,
  .trust-grid,
  .footer-grid,
  .field-row{
    grid-template-columns:1fr;
  }
  .hero{padding-top:44px}
  .section{padding:74px 0}
  .brand img{height:46px}
  .hero-actions{flex-direction:column}
  .btn{width:100%}
}