@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700&family=Inter:wght@400;500;600&display=swap');
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#1B3A6B;--navy-dark:#122850;--gold:#C9972A;--gold-light:#F5E6C0;--green:#2A6B3A;--white:#FFFFFF;--offwhite:#F7F6F2;--gray:#6B7280;--light-gray:#E5E7EB;--text:#1A1A2E;--radius:10px}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--text);background:var(--white);line-height:1.7}
nav{background:var(--navy);padding:0 2rem;display:flex;align-items:center;justify-content:space-between;height:72px;position:sticky;top:0;z-index:100;box-shadow:0 2px 12px rgba(0,0,0,.15)}
.nav-brand{display:flex;align-items:center;gap:12px}
.nav-brand img{height:48px;width:auto}
.nav-brand-text{display:flex;flex-direction:column}
.nav-logo{font-family:'Playfair Display',serif;font-size:1rem;color:var(--gold);line-height:1.2}
.nav-tagline{font-size:.65rem;color:rgba(255,255,255,.6);letter-spacing:.05em;text-transform:uppercase}
.nav-links{display:flex;gap:1.5rem;align-items:center}
.nav-links a{color:rgba(255,255,255,.85);text-decoration:none;font-size:.9rem;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--gold)}
.nav-links a.nav-cta{background:var(--gold);color:var(--navy-dark);padding:.45rem 1.1rem;border-radius:var(--radius);font-weight:600;font-size:.85rem}
.nav-links a.nav-cta:hover{background:#b8861f;color:#fff}
.hamburger{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px}
.hamburger span{display:block;width:24px;height:2px;background:#fff;border-radius:2px}
.hero{background:var(--navy);color:#fff;padding:5rem 2rem 4rem;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:0;left:0;right:0;bottom:0;background:repeating-linear-gradient(-45deg,rgba(201,151,42,.04) 0,rgba(201,151,42,.04) 1px,transparent 1px,transparent 40px)}
.hero-inner{position:relative;max-width:720px;margin:0 auto}
.hero-eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:1rem}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(2rem,5vw,3.2rem);line-height:1.2;margin-bottom:1.25rem}
.hero h1 span{color:var(--gold)}
.hero p{font-size:1.1rem;color:rgba(255,255,255,.8);max-width:560px;margin:0 auto 2rem}
.hero-btns{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}
.btn-primary{background:var(--gold);color:var(--navy-dark);padding:.85rem 2rem;border-radius:var(--radius);font-weight:700;font-size:1rem;text-decoration:none;transition:background .2s,transform .15s;display:inline-block}
.btn-primary:hover{background:#b8861f;transform:translateY(-1px)}
.btn-outline{border:2px solid rgba(255,255,255,.4);color:#fff;padding:.85rem 2rem;border-radius:var(--radius);font-weight:600;font-size:1rem;text-decoration:none;transition:border-color .2s,background .2s}
.btn-outline:hover{border-color:var(--gold);background:rgba(201,151,42,.1)}
.hero-trust{margin-top:2.5rem;display:flex;gap:2rem;justify-content:center;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:.5rem;font-size:.85rem;color:rgba(255,255,255,.7)}
.trust-icon{color:var(--gold)}
.page-hero{background:var(--navy);color:#fff;padding:3rem 2rem;text-align:center}
.page-hero h1{font-family:'Playfair Display',serif;font-size:clamp(1.6rem,4vw,2.5rem);color:var(--gold)}
.page-hero p{color:rgba(255,255,255,.75);margin-top:.5rem}
.stats-bar{background:var(--gold);padding:2rem;display:flex;justify-content:center;gap:4rem;flex-wrap:wrap}
.stat{text-align:center;color:var(--navy-dark)}
.stat-num{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;display:block}
.stat-label{font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;opacity:.8}
.section{padding:5rem 2rem}
.section-alt{background:var(--offwhite)}
.container{max-width:1020px;margin:0 auto}
.section-eyebrow{font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.5rem}
.section-title{font-family:'Playfair Display',serif;font-size:clamp(1.5rem,3vw,2.1rem);color:var(--navy);margin-bottom:.75rem;line-height:1.3}
.section-sub{color:var(--gray);font-size:1rem;max-width:560px;margin-bottom:2.5rem}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.5rem}
.card{background:var(--white);border:1px solid var(--light-gray);border-radius:var(--radius);padding:1.75rem;transition:box-shadow .2s,transform .15s}
.card:hover{box-shadow:0 8px 28px rgba(27,58,107,.1);transform:translateY(-2px)}
.card-icon{width:48px;height:48px;background:var(--gold-light);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:1rem;font-size:1.4rem}
.card h3{font-size:1.05rem;font-weight:600;color:var(--navy);margin-bottom:.5rem}
.card p{font-size:.9rem;color:var(--gray);line-height:1.6}
.steps{display:flex;flex-direction:column;gap:1.5rem}
.step{display:flex;gap:1.25rem;align-items:flex-start}
.step-num{min-width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:1rem;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.step-body h3{font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:.25rem}
.step-body p{font-size:.9rem;color:var(--gray)}
.checklist{list-style:none;display:flex;flex-direction:column;gap:.75rem}
.checklist li{display:flex;gap:.75rem;align-items:flex-start;font-size:.95rem}
.checklist li::before{content:'✓';color:var(--green);font-weight:700;flex-shrink:0;margin-top:2px}
.cta-banner{background:var(--navy);color:#fff;padding:4rem 2rem;text-align:center}
.cta-banner h2{font-family:'Playfair Display',serif;font-size:clamp(1.5rem,3vw,2rem);margin-bottom:.75rem}
.cta-banner p{color:rgba(255,255,255,.75);margin-bottom:1.75rem}
.cta-phone{font-size:1.5rem;font-weight:700;color:var(--gold);display:block;margin-bottom:1.5rem;text-decoration:none}
.form-card{background:var(--white);border-radius:var(--radius);border:1px solid var(--light-gray);padding:2rem}
.form-group{margin-bottom:1.25rem}
.form-group label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:.4rem}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:.7rem 1rem;border:1px solid var(--light-gray);border-radius:8px;font-size:.95rem;font-family:'Inter',sans-serif;color:var(--text);transition:border-color .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--navy)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.btn-submit{width:100%;background:var(--gold);color:var(--navy-dark);border:none;padding:.9rem;border-radius:var(--radius);font-size:1rem;font-weight:700;cursor:pointer;font-family:'Inter',sans-serif;transition:background .2s}
.btn-submit:hover{background:#b8861f}
.highlight-box{background:#E6F1FB;border-radius:var(--radius);padding:1rem;margin:.75rem 0}
.highlight-box p{color:#0C447C;font-size:.9rem}
footer{background:var(--navy-dark);color:rgba(255,255,255,.65);padding:3rem 2rem 1.5rem}
.footer-inner{max-width:1020px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
.footer-logo{height:60px;width:auto;margin-bottom:.75rem}
footer h4{color:var(--gold);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.75rem;font-weight:600}
footer ul{list-style:none;display:flex;flex-direction:column;gap:.5rem}
footer ul a{color:rgba(255,255,255,.65);text-decoration:none;font-size:.875rem}
footer ul a:hover{color:var(--gold)}
.footer-tagline{font-size:.8rem;color:var(--gold);font-style:italic;margin-top:1rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:1.25rem;text-align:center;font-size:.8rem;max-width:1020px;margin:0 auto}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
@media(max-width:700px){.nav-links{display:none}.hamburger{display:flex}.nav-links.open{display:flex;flex-direction:column;position:absolute;top:72px;left:0;right:0;background:var(--navy);padding:1.5rem 2rem;gap:1rem;box-shadow:0 8px 20px rgba(0,0,0,.2)}.stats-bar{gap:1.5rem}.footer-inner{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}.two-col{grid-template-columns:1fr}.hero-trust{gap:1rem}}