:root {
  --navy: #0f2742;
  --navy-2: #173a60;
  --gold: #c9983f;
  --cream: #f7f4ee;
  --white: #ffffff;
  --ink: #17202b;
  --muted: #66717e;
  --border: #dfe4ea;
  --success: #1f7a4c;
  --shadow: 0 20px 50px rgba(15, 39, 66, 0.16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
}
a { color: inherit; }
.container {
  width: min(1160px, calc(100% - 40px));
  margin: 0 auto;
}

.topbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(10px);
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  font-weight: 800;
}
.brand-mark {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 14px;
  letter-spacing: .06em;
}
.phone-link {
  text-decoration: none;
  text-align: right;
  color: var(--navy);
}
.phone-label {
  display: block;
  font-size: 12px;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .12em;
}

.hero {
  padding: 72px 0;
  background:
    linear-gradient(90deg, rgba(15,39,66,.97) 0%, rgba(15,39,66,.92) 48%, rgba(15,39,66,.72) 100%),
    radial-gradient(circle at top right, #3d638a 0%, #0f2742 65%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 54px;
  align-items: center;
}
.hero-copy { color: var(--white); }
.eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  color: #f0cc86;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.eyebrow.dark { color: var(--gold); }
h1, h2, h3 { margin-top: 0; }
h1 {
  max-width: 700px;
  margin-bottom: 20px;
  font-family: "Playfair Display", serif;
  font-size: clamp(48px, 7vw, 78px);
  line-height: .98;
  letter-spacing: -.03em;
}
.hero-subhead {
  max-width: 650px;
  margin: 0 0 30px;
  font-size: 20px;
  color: #e7edf4;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 30px;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 24px;
  border: 0;
  border-radius: 8px;
  font: inherit;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
}
.btn-primary { background: var(--gold); color: #142238; }
.btn-primary:hover { filter: brightness(1.05); }
.btn-secondary {
  color: var(--white);
  border: 1px solid rgba(255,255,255,.45);
  background: transparent;
}
.btn-light { background: var(--white); color: var(--navy); }
.btn-full { width: 100%; }

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  font-size: 14px;
}
.trust-row span { color: #f0cc86; }
.fine-print {
  margin-top: 22px;
  color: #cbd7e3;
  font-size: 13px;
}

.form-card {
  background: var(--white);
  border-radius: 18px;
  padding: 34px;
  box-shadow: var(--shadow);
}
.form-card h2 {
  margin-bottom: 6px;
  color: var(--navy);
  font-size: 30px;
}
.form-card > p {
  margin-top: 0;
  color: var(--muted);
}
label {
  display: block;
  margin-bottom: 16px;
  font-size: 14px;
  font-weight: 700;
}
input, select, textarea {
  width: 100%;
  margin-top: 7px;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 13px 14px;
  font: inherit;
  color: var(--ink);
  background: var(--white);
}
input:focus, select:focus, textarea:focus {
  outline: 3px solid rgba(201,152,63,.2);
  border-color: var(--gold);
}
.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 12px;
  font-weight: 500;
  color: var(--muted);
}
.consent input {
  width: 18px;
  margin-top: 2px;
}
.form-disclaimer {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 11px;
}
.form-message {
  display: none;
  margin-top: 14px;
  padding: 12px 14px;
  border-radius: 8px;
  background: #eaf7f0;
  color: var(--success);
  font-weight: 700;
}

.section { padding: 84px 0; }
.section.compact { padding: 54px 0; }
.section.muted { background: var(--cream); }
.section-heading { margin-bottom: 34px; }
.section-heading h2,
.split h2,
.legal-copy h2 {
  color: var(--navy);
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.08;
}
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.step-card {
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  background: var(--white);
}
.step-number {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 800;
}
.step-card h3 { color: var(--navy); font-size: 22px; }
.step-card p { color: var(--muted); }

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.checklist {
  display: grid;
  gap: 14px;
}
.checklist div {
  padding: 16px 18px;
  border-left: 4px solid var(--gold);
  background: var(--white);
  font-weight: 700;
}

.cta-band {
  padding: 48px 0;
  background: var(--navy-2);
  color: var(--white);
}
.cta-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}
.cta-inner h2 { margin-bottom: 6px; font-size: 34px; }
.cta-inner p { margin: 0; color: #dbe6f0; }

.legal-copy {
  max-width: 860px;
}
.legal-copy p { color: var(--muted); }

footer {
  padding: 28px 0 90px;
  border-top: 1px solid var(--border);
  background: #f9fafb;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 28px;
  align-items: center;
  font-size: 14px;
}
.footer-grid p { margin: 4px 0 0; color: var(--muted); }
.footer-links {
  display: flex;
  gap: 16px;
}
.footer-links a { color: var(--navy); }
.copyright { color: var(--muted); }

.mobile-call {
  display: none;
  position: fixed;
  left: 14px;
  right: 14px;
  bottom: 12px;
  z-index: 60;
  min-height: 54px;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: var(--gold);
  color: #142238;
  font-weight: 900;
  text-decoration: none;
  box-shadow: 0 10px 30px rgba(0,0,0,.22);
}

@media (max-width: 860px) {
  .hero { padding: 48px 0; }
  .hero-grid,
  .split,
  .steps {
    grid-template-columns: 1fr;
  }
  .hero-grid { gap: 36px; }
  .cta-inner {
    align-items: flex-start;
    flex-direction: column;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .mobile-call { display: flex; }
  .phone-link { display: none; }
  body { padding-bottom: 72px; }
}

@media (max-width: 560px) {
  .container { width: min(100% - 24px, 1160px); }
  .topbar-inner { min-height: 66px; }
  .brand-text { font-size: 15px; }
  h1 { font-size: 48px; }
  .hero-subhead { font-size: 18px; }
  .field-grid { grid-template-columns: 1fr; gap: 0; }
  .form-card { padding: 24px 18px; }
  .hero-actions .btn { width: 100%; }
}

.hidden-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }