:root {
  --ink: #14161b;
  --charcoal: #24242a;
  --slate: #4c505a;
  --navy: #0c355a;
  --blue: #1d6a9f;
  --sky: #dbeaf4;
  --paper: #ffffff;
  --mist: #f3f5f6;
  --line: #d9dde1;
  --gold: #b7a480;
  --radius: 22px;
  --shadow: 0 22px 60px rgba(20, 22, 27, .10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font: 400 1rem/1.65 Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
.wrap { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: fixed; top: 10px; left: 10px; z-index: 99; padding: 10px 14px; background: #fff; transform: translateY(-150%); }
.skip-link:focus { transform: none; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  color: #fff;
  background: rgba(24, 24, 29, .96);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.header-inner { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 13px; text-decoration: none; }
.brand-mark { width: 52px; height: 52px; flex: 0 0 52px; border: 0; border-radius: 8px; object-fit: contain; }
.brand-name { display: grid; line-height: 1.05; letter-spacing: .08em; text-transform: uppercase; }
.brand-name strong { font: 600 1.03rem/1.1 Georgia, serif; letter-spacing: .08em; }
.brand-name span { margin-top: 5px; font-size: .68rem; letter-spacing: .32em; color: #d8d8dc; }
.nav { display: flex; align-items: center; gap: 27px; }
.nav a { font-size: .9rem; text-decoration: none; color: #e7e7e9; }
.nav a:hover, .nav a[aria-current="page"] { color: #fff; text-decoration: underline; text-underline-offset: 7px; }
.nav .nav-cta { padding: 10px 16px; border: 1px solid rgba(255,255,255,.55); border-radius: 999px; text-decoration: none; }
.nav .nav-cta:hover { background: #fff; color: var(--ink); text-decoration: none; }
.menu-button { display: none; color: #fff; background: transparent; border: 1px solid rgba(255,255,255,.4); border-radius: 10px; padding: 8px 11px; }

.hero {
  overflow: hidden;
  color: #fff;
  background:
    radial-gradient(circle at 84% 24%, rgba(183,164,128,.34), transparent 24%),
    linear-gradient(118deg, #19191e 0%, #292a31 54%, #0d3a60 100%);
}
.hero-grid { min-height: 620px; display: grid; grid-template-columns: 1.08fr .92fr; align-items: center; gap: 78px; padding-block: 76px; }
.eyebrow { margin: 0 0 18px; color: var(--gold); font-size: .76rem; font-weight: 750; letter-spacing: .22em; text-transform: uppercase; }
h1, h2, h3 { margin-top: 0; font-family: Georgia, "Times New Roman", serif; line-height: 1.08; }
h1 { max-width: 760px; margin-bottom: 22px; font-size: clamp(3.1rem, 6.2vw, 6.7rem); font-weight: 500; letter-spacing: -.045em; }
.hero h1 span { color: #c9ddeb; }
.hero-copy { max-width: 620px; margin: 0 0 31px; color: #e0e2e6; font-size: 1.15rem; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 11px 20px; border: 1px solid var(--navy); border-radius: 999px; background: var(--navy); color: #fff; font-weight: 720; text-decoration: none; transition: transform .2s ease, background .2s ease; }
.button:hover { transform: translateY(-2px); background: #164f7b; }
.button.secondary { border-color: rgba(255,255,255,.52); background: transparent; }
.button.secondary:hover { color: var(--ink); background: #fff; }
.button.light { border-color: #fff; background: #fff; color: var(--ink); }
.hero-panel { position: relative; padding: 34px; border: 1px solid rgba(255,255,255,.2); border-radius: 28px; background: rgba(255,255,255,.075); box-shadow: 0 25px 80px rgba(0,0,0,.22); }
.hero-panel::before { content: ""; position: absolute; inset: -20px 30px auto; height: 1px; background: linear-gradient(90deg, transparent, #b7a480, transparent); }
.hero-panel h2 { font-size: 1.8rem; font-weight: 500; }
.check-list { list-style: none; padding: 0; margin: 22px 0 0; display: grid; gap: 17px; }
.check-list li { display: grid; grid-template-columns: 30px 1fr; gap: 12px; align-items: start; color: #ebedf0; }
.check-list b { display: block; color: #fff; }
.check { width: 27px; height: 27px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.55); border-radius: 50%; font-size: .78rem; }

.trust-strip { border-bottom: 1px solid var(--line); background: var(--mist); }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.trust-item { padding: 24px 30px; border-right: 1px solid var(--line); }
.trust-item:first-child { padding-left: 0; }
.trust-item:last-child { border-right: 0; }
.trust-item strong { display: block; margin-bottom: 3px; }
.trust-item span { color: var(--slate); font-size: .91rem; }

.section { padding-block: 96px; }
.section.alt { background: var(--mist); }
.section-heading { max-width: 700px; margin-bottom: 44px; }
.section-heading h2 { margin-bottom: 14px; font-size: clamp(2.35rem, 4vw, 4.2rem); font-weight: 500; letter-spacing: -.035em; }
.section-heading p { margin: 0; color: var(--slate); font-size: 1.08rem; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card { min-height: 260px; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 12px 34px rgba(20,22,27,.045); }
.card-number { width: 42px; height: 42px; margin-bottom: 28px; display: grid; place-items: center; border-radius: 50%; background: var(--sky); color: var(--navy); font-weight: 800; }
.card h3 { margin-bottom: 10px; font-size: 1.45rem; }
.card p { margin: 0; color: var(--slate); }
.card a { display: inline-block; margin-top: 22px; color: var(--navy); font-weight: 720; }

.split { display: grid; grid-template-columns: .95fr 1.05fr; gap: 72px; align-items: center; }
.feature-box { padding: 38px; border-radius: 26px; background: var(--charcoal); color: #fff; box-shadow: var(--shadow); }
.feature-box h2 { margin-bottom: 16px; font-size: clamp(2.1rem, 3vw, 3.4rem); font-weight: 500; }
.feature-box p { color: #d8d9dc; }
.steps { display: grid; gap: 16px; }
.step { display: grid; grid-template-columns: 48px 1fr; gap: 16px; padding: 20px 0; border-bottom: 1px solid var(--line); }
.step:last-child { border-bottom: 0; }
.step span { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 12px; background: var(--navy); color: #fff; font-weight: 800; }
.step h3 { margin-bottom: 5px; font-size: 1.2rem; }
.step p { margin: 0; color: var(--slate); }

.cta-band { padding-block: 62px; color: #fff; background: var(--navy); }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-inner h2 { max-width: 680px; margin: 0; font-size: clamp(2rem, 4vw, 3.8rem); font-weight: 500; }

.page-hero { padding-block: 100px 82px; color: #fff; background: linear-gradient(118deg, #1c1c21, #34343b 60%, #0c355a); }
.page-hero h1 { max-width: 870px; font-size: clamp(3rem, 5.5vw, 5.8rem); }
.page-hero p { max-width: 700px; margin: 0; color: #e2e4e7; font-size: 1.15rem; }
.comparison { width: 100%; border-collapse: collapse; overflow: hidden; border-radius: 18px; background: #fff; box-shadow: var(--shadow); }
.comparison th, .comparison td { padding: 20px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.comparison th { background: var(--charcoal); color: #fff; }
.comparison tr:last-child td { border-bottom: 0; }
.notice { margin-top: 28px; padding: 22px 24px; border-left: 4px solid var(--gold); background: #f7f4ee; color: #40434a; }

.about-copy { max-width: 820px; margin-inline: auto; }
.quote { margin: 0; padding-left: 24px; border-left: 4px solid var(--gold); font: italic 1.5rem/1.45 Georgia, serif; color: var(--charcoal); }

.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 60px; align-items: start; }
.contact-details { padding: 34px; border-radius: 24px; background: var(--charcoal); color: #fff; }
.contact-details a { color: #fff; }
.contact-details p { margin: 0 0 22px; color: #e0e1e3; }
.contact-details strong { display: block; color: #fff; }
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: .9rem; font-weight: 700; }
.field input, .field select, .field textarea { width: 100%; padding: 13px 14px; border: 1px solid #bcc2c8; border-radius: 10px; background: #fff; color: var(--ink); }
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid rgba(29,106,159,.23); border-color: var(--blue); }
.privacy-note { grid-column: 1 / -1; margin: 0; color: var(--slate); font-size: .82rem; }
.form-status { grid-column: 1 / -1; min-height: 1.5em; color: var(--navy); font-weight: 700; }

.site-footer { padding-block: 54px 30px; color: #d4d5d8; background: #17181c; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .8fr; gap: 46px; padding-bottom: 38px; }
.footer-grid h2 { margin-bottom: 12px; color: #fff; font-size: 1.35rem; }
.footer-grid p { max-width: 480px; margin: 0; color: #bfc1c6; }
.footer-links { display: grid; align-content: start; gap: 9px; }
.footer-links a { color: #d8d9dc; text-decoration: none; }
.footer-links a:hover { color: #fff; text-decoration: underline; }
.fine-print { padding-top: 24px; border-top: 1px solid #35363d; color: #9fa2a9; font-size: .78rem; }
.fine-print p { margin: 0 0 9px; }

@media (max-width: 920px) {
  .menu-button { display: inline-flex; }
  .nav { position: absolute; inset: 78px 0 auto; display: none; padding: 20px; flex-direction: column; align-items: stretch; background: #1b1b20; border-bottom: 1px solid #393a41; }
  .nav.open { display: flex; }
  .nav a { padding: 8px 0; }
  .hero-grid, .split, .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero-grid { min-height: auto; }
  .cards { grid-template-columns: 1fr 1fr; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item { padding: 18px 0; border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-item:last-child { border-bottom: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .wrap { width: min(100% - 28px, 1160px); }
  .header-inner { min-height: 70px; }
  .brand-name span { letter-spacing: .2em; }
  .nav { top: 70px; }
  .hero-grid { padding-block: 58px; }
  h1 { font-size: clamp(2.75rem, 14vw, 4.5rem); }
  .hero-panel { padding: 25px; }
  .section { padding-block: 70px; }
  .cards, .footer-grid, .form { grid-template-columns: 1fr; }
  .field.full, .privacy-note, .form-status { grid-column: auto; }
  .cta-inner { align-items: flex-start; flex-direction: column; }
  .comparison { display: block; overflow-x: auto; }
  .page-hero { padding-block: 72px 60px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}