:root {
  --navy: #0b1f3a;
  --navy-2: #102b4c;
  --navy-3: #07172c;
  --blue: #1f6f9f;
  --blue-soft: #eaf4f8;
  --gold: #c9a15b;
  --gold-2: #d8b872;
  --gold-soft: #f5ead6;
  --ink: #17202a;
  --muted: #607082;
  --line: #dce4ec;
  --line-soft: #edf2f6;
  --paper: #f7f9fb;
  --white: #ffffff;
  --radius: 8px;
  --shadow: 0 22px 55px rgba(11, 31, 58, 0.13);
  --shadow-soft: 0 14px 36px rgba(11, 31, 58, 0.08);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(circle at 0% 0%, rgba(31, 111, 159, 0.08), transparent 28rem),
    var(--paper);
  font-size: 16px;
  line-height: 1.65;
}

body.menu-open {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

button,
input,
select,
textarea {
  font: inherit;
}

:focus-visible {
  outline: 3px solid rgba(201, 161, 91, 0.55);
  outline-offset: 4px;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: 1rem;
  z-index: 20;
  transform: translateY(-160%);
  border-radius: var(--radius);
  background: var(--gold);
  color: var(--navy);
  padding: 0.75rem 1rem;
  font-weight: 800;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.container,
.nav,
.footer-inner {
  width: min(1160px, calc(100% - 32px));
  margin-inline: auto;
}

.nav {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--navy);
  font-weight: 850;
  letter-spacing: 0.01em;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: var(--white);
  font-size: 0.84rem;
  letter-spacing: 0.06em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  color: var(--muted);
  font-weight: 700;
  font-size: 0.95rem;
}

.nav-links a {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  border-radius: var(--radius);
  padding: 0 0.18rem;
  transition: color 160ms ease, background 160ms ease;
}

.nav-links a:hover,
.nav-links a[aria-current="page"] {
  color: var(--navy);
}

.nav-cta {
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color: var(--navy) !important;
  padding: 0 1rem !important;
  box-shadow: 0 10px 22px rgba(201, 161, 91, 0.2);
}

.nav-toggle {
  display: none;
  width: 48px;
  height: 48px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
}

.nav-toggle span:not(.sr-only) {
  display: block;
  width: 21px;
  height: 2px;
  margin: 4px auto;
  background: var(--navy);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

.section {
  padding: 92px 0;
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 82% 18%, rgba(31, 111, 159, 0.35), transparent 30rem),
    radial-gradient(circle at 12% 86%, rgba(201, 161, 91, 0.18), transparent 22rem),
    linear-gradient(135deg, var(--navy-3), var(--navy));
  color: var(--white);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px),
    linear-gradient(180deg, rgba(255, 255, 255, 0.035) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(135deg, black, transparent 76%);
}

.hero .container {
  position: relative;
  min-height: 690px;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(320px, 0.98fr);
  align-items: center;
  gap: 3rem;
}

.hero-home .container {
  padding: 64px 0;
}

.hero-grid {
  grid-template-columns: minmax(0, 1.05fr) minmax(340px, 0.85fr);
}

.hero-copy {
  max-width: 780px;
  min-width: 0;
  position: relative;
  z-index: 2;
}

.page-hero .container {
  min-height: 430px;
}

.eyebrow {
  margin: 0 0 0.85rem;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  margin-bottom: 1.1rem;
  max-width: 840px;
  font-size: clamp(2.45rem, 6.4vw, 4.85rem);
  line-height: 1;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 0.9rem;
  color: var(--navy);
  font-size: clamp(1.9rem, 4vw, 3.05rem);
  line-height: 1.08;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 0.5rem;
  color: var(--navy);
  font-size: 1.18rem;
  line-height: 1.25;
}

.hero h2,
.hero h3,
.hero p {
  color: inherit;
}

.lead,
.hero-text,
.section-intro {
  color: var(--muted);
  font-size: 1.08rem;
}

.hero-text {
  max-width: 700px;
  color: rgba(255, 255, 255, 0.84);
  font-size: clamp(1.08rem, 2vw, 1.22rem);
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 2rem;
}

.button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid transparent;
  border-radius: var(--radius);
  padding: 0.82rem 1.12rem;
  font-weight: 850;
  cursor: pointer;
  letter-spacing: 0.01em;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, border-color 180ms ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button.primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color: var(--navy);
  box-shadow: 0 16px 34px rgba(201, 161, 91, 0.28);
}

.button.secondary {
  border-color: rgba(255, 255, 255, 0.32);
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  backdrop-filter: blur(10px);
}

.button.dark {
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--white);
  box-shadow: 0 14px 28px rgba(11, 31, 58, 0.17);
}

.button-lg {
  min-height: 54px;
  padding-inline: 1.35rem;
}

.hero-panel {
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.1);
  padding: clamp(1.2rem, 4vw, 2rem);
  box-shadow: var(--shadow);
}

.category-visual {
  width: 100%;
  aspect-ratio: 3 / 2;
  object-fit: cover;
  border-radius: var(--radius);
  margin-bottom: 1.25rem;
  border: 1px solid rgba(255, 255, 255, 0.18);
  box-shadow: 0 18px 36px rgba(7, 23, 44, 0.18);
}

.finance-panel {
  position: relative;
  z-index: 1;
  align-self: end;
  margin-top: 4rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius);
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.15), rgba(255, 255, 255, 0.08)),
    rgba(255, 255, 255, 0.08);
  padding: clamp(1.2rem, 4vw, 2rem);
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
}

.finance-panel::after {
  content: "";
  position: absolute;
  right: 1.2rem;
  bottom: 1.2rem;
  width: 120px;
  height: 120px;
  border: 1px solid rgba(201, 161, 91, 0.32);
  border-radius: 50%;
  opacity: 0.55;
}

.finance-panel-top,
.hero-reassurance {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  align-items: center;
}

.hero-reassurance {
  margin-top: 1.35rem;
  padding-top: 0.15rem;
}

.finance-panel-top {
  justify-content: space-between;
  margin-bottom: 1.2rem;
}

.panel-kicker,
.panel-pill,
.hero-reassurance span {
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.84);
  padding: 0.35rem 0.62rem;
  font-size: 0.82rem;
  font-weight: 750;
}

.panel-pill {
  color: var(--gold-soft);
}

.finance-flow {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
  margin: 1.3rem 0;
}

.finance-flow div {
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.08);
  padding: 0.75rem 0.55rem;
}

.finance-flow strong,
.finance-flow span {
  display: block;
}

.finance-flow strong {
  color: var(--gold);
  font-size: 0.82rem;
}

.finance-flow span {
  color: rgba(255, 255, 255, 0.86);
  font-weight: 760;
}

.finance-panel ul {
  position: relative;
  z-index: 1;
  margin: 0;
  padding: 0;
  list-style: none;
}

.hero-panel ul,
.finance-panel ul,
.check-list,
.plain-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.hero-panel li,
.finance-panel li,
.check-list li,
.plain-list li {
  position: relative;
  padding-left: 1.5rem;
}

.hero-panel li + li,
.finance-panel li + li,
.check-list li + li,
.plain-list li + li {
  margin-top: 0.75rem;
}

.hero-panel li::before,
.finance-panel li::before,
.check-list li::before,
.plain-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}

.trust-strip {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 10px 32px rgba(11, 31, 58, 0.04);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  padding: 1.35rem 0;
}

.trust-item {
  display: grid;
  gap: 0.2rem;
  color: var(--muted);
  font-weight: 650;
}

.trust-item strong {
  color: var(--navy);
  font-size: 0.96rem;
}

.trust-item span {
  font-size: 0.92rem;
}

.section-heading {
  max-width: 790px;
  margin-bottom: 2rem;
}

.section-heading.centered {
  margin-inline: auto;
  text-align: center;
}

.split-intro {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(280px, 0.75fr);
  gap: 2rem;
  align-items: start;
  margin-bottom: 2rem;
}

.intro-copy {
  border-left: 3px solid var(--gold);
  padding-left: 1.25rem;
  color: var(--muted);
}

.grid-2,
.grid-3,
.grid-4 {
  display: grid;
  gap: 1rem;
}

.grid-2 {
  grid-template-columns: repeat(2, 1fr);
}

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.grid-4 {
  grid-template-columns: repeat(4, 1fr);
}

.card,
.service-card,
.step,
.faq-item,
.contact-card,
.legal-box {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  padding: 1.25rem;
}

.card,
.service-card,
.step,
.faq-item,
.contact-card,
.legal-box,
.value-card {
  box-shadow: 0 1px 0 rgba(11, 31, 58, 0.03);
}

.service-card {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  min-height: 270px;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.service-image {
  width: calc(100% + 2.5rem);
  max-width: none;
  height: 160px;
  margin: -1.25rem -1.25rem 1.1rem;
  object-fit: cover;
  border-bottom: 1px solid var(--line-soft);
}

.featured-service .service-image {
  height: 210px;
}

.service-card::before {
  content: "";
  position: absolute;
  inset: 0;
  border-top: 3px solid var(--gold);
  opacity: 0;
  transition: opacity 180ms ease;
}

.service-card:hover {
  transform: translateY(-4px);
  border-color: rgba(201, 161, 91, 0.55);
  box-shadow: var(--shadow-soft);
}

.service-card:hover::before {
  opacity: 1;
}

.service-card p,
.card p,
.step p,
.faq-item p,
.contact-card p,
.legal-box p {
  color: var(--muted);
}

.service-card a {
  margin-top: auto;
  color: var(--blue);
  font-weight: 850;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.service-card a::after {
  content: "→";
  transition: transform 160ms ease;
}

.service-card a:hover::after {
  transform: translateX(3px);
}

.value-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.value-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(255, 255, 255, 0.88)),
    var(--white);
  padding: 1.25rem;
}

.value-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  margin-bottom: 1rem;
  border: 1px solid rgba(201, 161, 91, 0.35);
  border-radius: 50%;
  color: var(--navy);
  background: var(--gold-soft);
  font-size: 0.84rem;
  font-weight: 900;
}

.value-card p {
  color: var(--muted);
}

.number {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 1rem;
  border-radius: var(--radius);
  background: var(--gold-soft);
  color: #75551f;
  font-weight: 900;
}

.soft {
  background: var(--white);
}

.services-premium {
  background:
    linear-gradient(180deg, var(--white), var(--paper));
}

.service-showcase {
  display: grid;
  grid-template-columns: 1.2fr repeat(3, 1fr);
  gap: 1rem;
}

.featured-service {
  background:
    radial-gradient(circle at 90% 8%, rgba(31, 111, 159, 0.1), transparent 12rem),
    var(--white);
}

.dark-band {
  background:
    radial-gradient(circle at 80% 20%, rgba(31, 111, 159, 0.28), transparent 24rem),
    linear-gradient(135deg, var(--navy-3), var(--navy));
  color: var(--white);
}

.dark-band h2,
.dark-band h3 {
  color: var(--white);
}

.dark-band p,
.dark-band .section-intro {
  color: rgba(255, 255, 255, 0.78);
}

.method-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
  counter-reset: steps;
}

.step {
  position: relative;
  min-height: 190px;
  overflow: hidden;
}

.timeline .step::after {
  content: "";
  position: absolute;
  right: -18px;
  top: 42px;
  width: 36px;
  height: 1px;
  background: var(--line);
}

.timeline .step:last-child::after {
  display: none;
}

.cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 1.5rem;
  border-radius: var(--radius);
  background:
    radial-gradient(circle at 88% 20%, rgba(201, 161, 91, 0.2), transparent 18rem),
    linear-gradient(135deg, var(--navy), var(--blue));
  color: var(--white);
  padding: clamp(1.6rem, 5vw, 3rem);
  box-shadow: var(--shadow);
}

.cta h2,
.cta p {
  color: inherit;
}

.cta .actions {
  margin-top: 0;
  justify-content: flex-end;
}

.confidence-layout,
.faq-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(320px, 1fr);
  gap: 2rem;
  align-items: start;
}

.confidence-list {
  display: grid;
  gap: 0.8rem;
}

.confidence-list div {
  display: grid;
  gap: 0.2rem;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.07);
  padding: 1rem;
}

.confidence-list strong {
  color: var(--white);
}

.confidence-list span {
  color: rgba(255, 255, 255, 0.76);
}

.faq-list {
  display: grid;
  gap: 0.85rem;
}

.faq-list .faq-item {
  padding: 1.1rem 1.2rem;
}

.faq-list .faq-item h3 {
  padding-left: 1.1rem;
  border-left: 3px solid var(--gold);
}

.content-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(280px, 0.45fr);
  gap: 2rem;
  align-items: start;
}

.sidebar {
  position: sticky;
  top: 98px;
  display: grid;
  gap: 1rem;
}

.content-block + .content-block {
  margin-top: 2.4rem;
}

.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, 0.75fr);
  gap: 2rem;
  align-items: start;
}

.contact-form {
  display: grid;
  gap: 1rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  padding: 1.25rem;
}

.field {
  display: grid;
  gap: 0.4rem;
  font-weight: 750;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--ink);
  padding: 0.85rem 0.9rem;
}

.checkbox {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 0.75rem;
  align-items: start;
  color: var(--muted);
  font-weight: 650;
}

.checkbox input {
  width: 18px;
  height: 18px;
  margin-top: 0.25rem;
}

.form-status {
  min-height: 1.5rem;
  margin: 0;
  color: var(--blue);
  font-weight: 800;
}

.legal-list {
  display: grid;
  gap: 0.75rem;
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
}

.legal-list li {
  border-bottom: 1px solid var(--line);
  padding-bottom: 0.75rem;
}

.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.2fr repeat(3, 1fr);
  gap: 2rem;
  padding: 3rem 0;
}

.footer h2,
.footer h3 {
  color: var(--white);
  font-size: 1.1rem;
}

.footer ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer li + li {
  margin-top: 0.55rem;
}

.footer a:hover {
  color: var(--gold);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  padding: 1rem 0;
  font-size: 0.92rem;
}

@media (max-width: 980px) {
  .nav-toggle {
    display: block;
  }

  .nav-links {
    position: fixed;
    inset: 78px 16px auto;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0.2rem;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--white);
    padding: 0.8rem;
    box-shadow: var(--shadow);
  }

  .nav-links.is-open {
    display: flex;
  }

  .nav-links a {
    padding-inline: 0.85rem;
  }

  .hero .container,
  .content-layout,
  .contact-layout,
  .split-intro,
  .confidence-layout,
  .faq-layout,
  .cta {
    grid-template-columns: 1fr;
  }

  .hero .container {
    min-height: auto;
    padding: 72px 0;
  }

  .finance-panel {
    max-width: 680px;
    margin-top: 0;
  }

  .trust-grid,
  .grid-4,
  .method-grid,
  .timeline,
  .value-grid,
  .footer-inner {
    grid-template-columns: repeat(2, 1fr);
  }

  .service-showcase {
    grid-template-columns: repeat(2, 1fr);
  }

  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }

  .timeline .step::after {
    display: none;
  }

  .cta .actions {
    justify-content: flex-start;
  }

  .sidebar {
    position: static;
  }
}

@media (max-width: 640px) {
  .container,
  .nav,
  .footer-inner {
    width: min(100% - 24px, 1160px);
  }

  .section {
    padding: 58px 0;
  }

  h1 {
    font-size: 2.36rem;
    line-height: 1.04;
  }

  h2 {
    font-size: 1.85rem;
  }

  .hero .container {
    padding: 54px 0;
    gap: 2rem;
  }

  .actions {
    gap: 0.65rem;
    margin-top: 1.4rem;
  }

  .hero-reassurance,
  .finance-panel-top {
    align-items: stretch;
  }

  .hero-reassurance span,
  .panel-kicker,
  .panel-pill {
    width: 100%;
    text-align: center;
  }

  .finance-flow {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-grid,
  .grid-2,
  .grid-3,
  .grid-4,
  .method-grid,
  .timeline,
  .value-grid,
  .service-showcase,
  .footer-inner {
    grid-template-columns: 1fr;
  }

  .trust-item {
    border-bottom: 1px solid var(--line-soft);
    padding-bottom: 0.85rem;
  }

  .trust-item:last-child {
    border-bottom: 0;
    padding-bottom: 0;
  }

  .intro-copy {
    border-left: 0;
    border-top: 3px solid var(--gold);
    padding-left: 0;
    padding-top: 1rem;
  }

  .button {
    width: 100%;
  }

  .service-card,
  .value-card,
  .faq-item,
  .step,
  .card {
    padding: 1rem;
  }

  .service-image {
    width: calc(100% + 2rem);
    height: 180px;
    margin: -1rem -1rem 1rem;
  }

  .featured-service .service-image {
    height: 190px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
  }
}