:root {
  --navy: #0f3d5e;
  --navy-deep: #0a2b43;
  --navy-soft: #e8eef3;
  --gold: #c9a227;
  --gold-soft: #f6efd9;
  --ink: #1b2430;
  --muted: #566170;
  --line: #dde3e9;
  --bg: #ffffff;
  --bg-alt: #f6f8fa;
  --radius: 10px;
  --max: 1080px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: Georgia, "Times New Roman", serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; display: block; }

a { color: var(--navy); }
a:hover { color: var(--navy-deep); }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

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

.skip {
  position: absolute; left: -999px; top: 0;
  background: var(--gold); color: var(--navy-deep); padding: 8px 14px; z-index: 10;
}
.skip:focus { left: 8px; top: 8px; }

/* Header */
.site-header {
  background: var(--navy);
  color: #fff;
  position: sticky; top: 0; z-index: 5;
  border-bottom: 3px solid var(--gold);
}
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; min-height: 68px; flex-wrap: wrap;
}
.brand {
  display: flex; align-items: center; gap: 10px;
  color: #fff; text-decoration: none;
}
.brand:hover { color: #fff; }
.brand svg { width: 34px; height: 34px; flex: none; }
.brand-name { font-family: var(--serif); font-size: 1.25rem; letter-spacing: .02em; line-height: 1.1; }
.brand-name small { display: block; font-family: var(--font); font-size: .68rem; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); }

.nav { display: flex; gap: 22px; flex-wrap: wrap; }
.nav a { color: #e6edf3; text-decoration: none; font-size: .95rem; }
.nav a:hover { color: var(--gold); }
.nav .nav-cta {
  color: var(--navy-deep); background: var(--gold);
  padding: 7px 14px; border-radius: 6px; font-weight: 600;
}
.nav .nav-cta:hover { color: var(--navy-deep); background: #d8b33a; }

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #fff;
  padding: 84px 0 92px;
}
.eyebrow {
  display: inline-block; color: var(--gold);
  font-size: .8rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 600;
  margin-bottom: 14px;
}
.hero h1 {
  font-family: var(--serif); font-weight: normal;
  font-size: clamp(2rem, 4.6vw, 3.1rem); line-height: 1.15;
  margin: 0 0 20px; max-width: 18ch;
}
.hero p { font-size: 1.15rem; color: #d7e1ea; max-width: 58ch; margin: 0 0 32px; }
.actions { display: flex; gap: 14px; flex-wrap: wrap; }

.btn {
  display: inline-block; text-decoration: none; font-weight: 600;
  padding: 13px 22px; border-radius: 8px; border: 2px solid transparent;
  font-size: 1rem; cursor: pointer; font-family: inherit;
}
.btn-gold { background: var(--gold); color: var(--navy-deep); }
.btn-gold:hover { background: #d8b33a; color: var(--navy-deep); }
.btn-ghost { border-color: rgba(255,255,255,.55); color: #fff; }
.btn-ghost:hover { border-color: #fff; color: #fff; background: rgba(255,255,255,.08); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-deep); color: #fff; }
.btn[disabled] { opacity: .6; cursor: wait; }

/* Sections */
section { padding: 76px 0; }
section.alt { background: var(--bg-alt); }
.section-head { max-width: 700px; margin-bottom: 40px; }
.section-head h2 {
  font-family: var(--serif); font-weight: normal; color: var(--navy);
  font-size: clamp(1.6rem, 3vw, 2.2rem); line-height: 1.2; margin: 0 0 12px;
}
.section-head p { color: var(--muted); margin: 0; }

.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px;
}
.card h3 { margin: 0 0 8px; font-size: 1.1rem; color: var(--navy); }
.card p { margin: 0; color: var(--muted); }

.step-num {
  width: 38px; height: 38px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--gold-soft); color: var(--navy); font-weight: 700;
  margin-bottom: 14px; border: 1px solid var(--gold);
}

.icon {
  width: 42px; height: 42px; border-radius: 8px;
  display: grid; place-items: center;
  background: var(--navy-soft); color: var(--navy); margin-bottom: 14px;
}
.icon svg { width: 22px; height: 22px; }

.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { padding-left: 30px; position: relative; margin-bottom: 12px; }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: .45em;
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--gold-soft); border: 2px solid var(--gold);
}

.note {
  font-size: .9rem; color: var(--muted);
  border-left: 3px solid var(--gold); padding: 4px 0 4px 14px; margin-top: 26px;
}

/* Contact */
.contact-grid { display: grid; gap: 40px; grid-template-columns: 1fr 1.4fr; align-items: start; }
@media (max-width: 820px) { .contact-grid { grid-template-columns: 1fr; } }

.contact-list { list-style: none; padding: 0; margin: 0 0 20px; }
.contact-list li { margin-bottom: 18px; }
.contact-list .label { display: block; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.contact-list a, .contact-list span.value { font-size: 1.1rem; font-weight: 600; color: var(--navy); text-decoration: none; }
.contact-list a:hover { text-decoration: underline; }

form.contact { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; font-size: .92rem; margin-bottom: 6px; }
.field label .opt { font-weight: normal; color: var(--muted); }
.field input, .field textarea, .field select {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink);
  padding: 11px 12px; border: 1px solid #c4ccd4; border-radius: 7px; background: #fff;
}
.field input:focus, .field textarea:focus, .field select:focus { border-color: var(--navy); outline: 2px solid var(--navy-soft); }
.field textarea { min-height: 140px; resize: vertical; }
.row-2 { display: grid; gap: 16px; grid-template-columns: 1fr 1fr; }
@media (max-width: 560px) { .row-2 { grid-template-columns: 1fr; } }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; color: var(--muted); margin: 6px 0 18px; }
.consent input { margin-top: 5px; width: 18px; height: 18px; flex: none; }
.form-status { margin-top: 14px; font-weight: 600; min-height: 1.4em; }
.form-status.ok { color: #1d6b3a; }
.form-status.err { color: #a12a2a; }
.small { font-size: .85rem; color: var(--muted); }

/* Legal pages */
.page-head { background: var(--navy); color: #fff; padding: 52px 0 46px; }
.page-head h1 { font-family: var(--serif); font-weight: normal; font-size: clamp(1.8rem, 4vw, 2.6rem); margin: 0 0 6px; }
.page-head p { margin: 0; color: #c9d6e2; }
.legal { padding: 52px 0 76px; }
.legal .wrap { max-width: 800px; }
.legal h2 { font-family: var(--serif); font-weight: normal; color: var(--navy); font-size: 1.5rem; margin: 42px 0 10px; padding-top: 6px; border-top: 1px solid var(--line); }
.legal h2:first-of-type { border-top: 0; margin-top: 10px; }
.legal h3 { font-size: 1.05rem; color: var(--navy); margin: 26px 0 6px; }
.legal ul { padding-left: 22px; }
.legal li { margin-bottom: 6px; }
.toc { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 24px; margin-bottom: 18px; }
.toc ol { margin: 6px 0 0; padding-left: 22px; columns: 2; column-gap: 32px; }
@media (max-width: 620px) { .toc ol { columns: 1; } }
.callout { background: var(--gold-soft); border: 1px solid #e6d59b; border-radius: var(--radius); padding: 16px 20px; margin: 16px 0; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #b7c6d3; padding: 44px 0 30px; font-size: .92rem; }
.site-footer a { color: #e6edf3; }
.site-footer a:hover { color: var(--gold); }
.footer-grid { display: flex; justify-content: space-between; gap: 28px; flex-wrap: wrap; margin-bottom: 26px; }
.footer-grid .brand-name { color: #fff; }
.footer-links { list-style: none; margin: 0; padding: 0; display: flex; gap: 20px; flex-wrap: wrap; }
.disclaimer { border-top: 1px solid rgba(255,255,255,.12); padding-top: 18px; font-size: .82rem; color: #93a7b8; }
.disclaimer p { margin: 0 0 6px; }

section[id], h2[id] { scroll-margin-top: 84px; }

@media (max-width: 700px) {
  .site-header { position: static; }
  .site-header .wrap { padding-top: 12px; padding-bottom: 12px; gap: 10px; }
  .nav { gap: 6px 16px; align-items: center; width: 100%; }
  .nav a:not(.nav-cta) { font-size: .88rem; }
  .nav .nav-cta { margin-left: auto; padding: 5px 12px; }
  section[id], h2[id] { scroll-margin-top: 0; }
  .hero { padding: 60px 0 68px; }
  section { padding: 56px 0; }
}