:root {
  --navy: #16324a;
  --navy-dark: #0f2436;
  --gold: #c9a24b;
  --gold-dark: #a9862f;
  --ink: #22303c;
  --muted: #5b6b78;
  --gray-bg: #f3f5f7;
  --line: #dde4ea;
  --white: #ffffff;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--ink);
  line-height: 1.6;
  background: var(--white);
}

h1, h2, h3, .logo-text, .footer-logo {
  font-family: 'Source Serif 4', Georgia, serif;
  color: var(--navy);
  line-height: 1.2;
}

h2 { font-size: 2rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.25rem; margin-bottom: 0.5rem; }

p { margin-bottom: 1rem; }
a { color: var(--navy); }

.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }

/* Top bar */
.topbar { background: var(--navy-dark); color: #dbe5ee; font-size: 0.875rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; padding-top: 8px; padding-bottom: 8px; gap: 16px; flex-wrap: wrap; }
.topbar-phone { color: var(--gold); font-weight: 600; text-decoration: none; white-space: nowrap; }
.topbar-phone:hover { text-decoration: underline; }

/* Header */
.header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding-top: 14px; padding-bottom: 14px; }
.logo { text-decoration: none; }
.logo-text { font-size: 1.5rem; font-weight: 700; }
.logo-accent { color: var(--gold-dark); }
.nav { display: flex; gap: 28px; }
.nav a { text-decoration: none; font-weight: 500; color: var(--ink); }
.nav a:hover { color: var(--gold-dark); }

/* Buttons */
.btn { display: inline-block; padding: 12px 24px; border-radius: 6px; font-weight: 600; text-decoration: none; border: 2px solid transparent; transition: background 0.15s ease, color 0.15s ease; }
.btn-primary { background: var(--gold); color: var(--navy-dark); }
.btn-primary:hover { background: var(--gold-dark); color: var(--white); }
.btn-ghost { border-color: rgba(255,255,255,0.8); color: var(--white); background: transparent; }
.btn-ghost:hover { background: rgba(255,255,255,0.12); }
.btn-white { background: var(--white); color: var(--navy); }
.btn-white:hover { background: var(--gray-bg); }
.btn-large { padding: 14px 30px; font-size: 1.05rem; }
.btn-header { padding: 10px 18px; }

/* Hero */
.hero { position: relative; background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #1f4258 100%); color: var(--white); padding: 84px 0; }
.hero-overlay { position: absolute; inset: 0; background: radial-gradient(ellipse at 85% 20%, rgba(201,162,75,0.22), transparent 55%); }
.hero-content { position: relative; max-width: 760px; }
.eyebrow { text-transform: uppercase; letter-spacing: 0.12em; font-size: 0.8rem; font-weight: 600; color: var(--gold); margin-bottom: 14px; }
.hero h1 { color: var(--white); font-size: 2.9rem; margin-bottom: 16px; }
.hero-sub { font-size: 1.3rem; font-weight: 500; margin-bottom: 10px; }
.hero-body { color: #cfdce8; max-width: 640px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }

/* Strip */
.strip { background: var(--gray-bg); border-bottom: 1px solid var(--line); }
.strip-inner { padding-top: 18px; padding-bottom: 18px; text-align: center; }
.strip p { margin: 0; }

/* Sections */
.section { padding: 72px 0; }
.section-gray { background: var(--gray-bg); }
.section-eyebrow { text-transform: uppercase; letter-spacing: 0.12em; font-size: 0.8rem; font-weight: 600; color: var(--gold-dark); margin-bottom: 10px; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.checklist { list-style: none; margin: 0 0 1.25rem; }
.checklist li { position: relative; padding-left: 30px; margin-bottom: 10px; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--gold-dark); font-weight: 700; }

/* Pillars */
.pillar-header { text-align: center; margin-bottom: 40px; }
.pillar-header .section-eyebrow { text-align: center; }
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.pillar { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 28px; }
.section .pillar { box-shadow: 0 1px 3px rgba(15,36,54,0.06); }
.pillar-icon { width: 48px; height: 48px; border-radius: 50%; background: var(--gray-bg); color: var(--gold-dark); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.pillar-icon svg { width: 26px; height: 26px; }

/* CTA banner */
.cta-banner { background: var(--navy); color: var(--white); padding: 48px 0; }
.cta-banner h2 { color: var(--white); }
.cta-banner a { color: var(--gold); }
.cta-banner-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; }
.cta-banner p { margin: 0; color: #cfdce8; }
.cta-banner .btn-white { color: var(--navy); }

/* Form */
.form-wrap { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: start; }
.contact-line { margin-bottom: 8px; }
.lead-form { min-height: 640px; border: 1px solid var(--line); border-radius: 10px; overflow: hidden; background: var(--white); }
.lead-form iframe { display: block; width: 100%; height: 100%; min-height: 640px; }

/* Policy page */
.policy { max-width: 820px; }
.policy h3 { margin-top: 28px; }
.policy-updated { color: var(--muted); font-size: 0.9rem; }

/* Footer */
.footer { background: var(--navy-dark); color: #c3d2df; padding: 56px 0 0; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; padding-bottom: 40px; }
.footer-logo { color: var(--white); font-size: 1.35rem; font-weight: 700; display: block; margin-bottom: 10px; }
.footer-col h4 { color: var(--white); font-family: 'Inter', sans-serif; font-size: 0.95rem; margin-bottom: 12px; text-transform: uppercase; letter-spacing: 0.08em; }
.footer a { color: #c3d2df; text-decoration: none; }
.footer a:hover { color: var(--gold); }
.footer-col p { margin-bottom: 6px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.14); padding: 18px 0; font-size: 0.875rem; }
.footer-bottom .container { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

/* Responsive */
@media (max-width: 900px) {
  .nav { display: none; }
  .two-col, .form-wrap { grid-template-columns: 1fr; }
  .pillars { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .hero { padding: 56px 0; }
  .hero h1 { font-size: 2.2rem; }
  .section { padding: 52px 0; }
}