:root {
  --color-navy: #14213d;
  --color-navy-light: #1f2f57;
  --color-charcoal: #1f2937;
  --color-body: #3d4451;
  --color-accent: #c9a24b;
  --color-accent-dark: #a8822f;
  --color-bg: #ffffff;
  --color-bg-alt: #f6f6f3;
  --color-border: #e2e2df;
  --font-sans: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --radius: 6px;
  --max-width: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--color-body);
  background: var(--color-bg);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: var(--color-navy); }
h1, h2, h3 { color: var(--color-charcoal); line-height: 1.2; font-weight: 700; }
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }

/* Utility bar */
.utility-bar {
  background: var(--color-navy);
  color: #fff;
  font-size: 14px;
}
.utility-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 8px;
  padding-bottom: 8px;
  flex-wrap: wrap;
  gap: 8px;
}
.utility-bar a { color: #fff; text-decoration: underline; }

/* Header / nav */
.site-header {
  border-bottom: 1px solid var(--color-border);
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  padding-bottom: 14px;
  flex-wrap: wrap;
  gap: 12px;
}
.brand {
  font-size: 20px;
  font-weight: 800;
  color: var(--color-navy);
  text-decoration: none;
  letter-spacing: -0.02em;
}
.site-nav {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
}
.site-nav a {
  color: var(--color-charcoal);
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  padding-bottom: 4px;
  border-bottom: 2px solid transparent;
}
.site-nav a:hover,
.site-nav a[aria-current="page"] {
  border-bottom-color: var(--color-accent);
}
.nav-cta.btn { padding: 10px 18px; font-size: 14px; }
.site-nav a.nav-phone { color: var(--color-navy); white-space: nowrap; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: var(--radius);
  font-weight: 700;
  text-decoration: none;
  font-size: 16px;
  border: 2px solid transparent;
  cursor: pointer;
}
.btn-primary {
  background: var(--color-accent);
  color: var(--color-navy);
}
.btn-primary:hover { background: var(--color-accent-dark); }
.btn-outline {
  background: transparent;
  border-color: #fff;
  color: #fff;
}
.btn-outline:hover { background: rgba(255,255,255,0.1); }
.btn-outline-navy {
  background: transparent;
  border-color: var(--color-navy);
  color: var(--color-navy);
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
  color: #fff;
  padding: 64px 0;
}
.hero .eyebrow {
  color: var(--color-accent);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin: 0 0 12px;
}
.hero h1 { color: #fff; font-size: 40px; max-width: 820px; }
.hero p.lede { font-size: 19px; max-width: 640px; color: #dbe1ee; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 28px; }

/* Sections */
.section { padding: 64px 0; }
.section-alt { background: var(--color-bg-alt); }
.section h2 { font-size: 30px; margin-bottom: 12px; }
.section .section-lede { font-size: 17px; max-width: 720px; color: var(--color-body); }

/* Cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
  margin-top: 32px;
}
.card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 24px;
}
.card h3 { font-size: 18px; margin-top: 0; }
.badge {
  display: inline-block;
  background: rgba(201,162,75,0.15);
  color: var(--color-accent-dark);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 14px;
}

/* Process timeline */
.timeline { counter-reset: step; margin-top: 32px; }
.timeline-step {
  display: flex;
  gap: 20px;
  padding: 20px 0;
  border-bottom: 1px solid var(--color-border);
}
.timeline-step:last-child { border-bottom: none; }
.timeline-step .num {
  counter-increment: step;
  flex: 0 0 auto;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--color-navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}
.timeline-step .num::before { content: counter(step); }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--color-border); padding: 18px 0; }
.faq-item h3 { font-size: 17px; margin: 0 0 8px; }
.faq-item p { margin: 0; }

/* Forms */
.form-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 32px;
  max-width: 560px;
}
.form-field { margin-bottom: 18px; }
.form-field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 14px; }
.form-field input,
.form-field select {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: inherit;
}
.consent-copy { font-size: 13px; color: #6b7280; margin: 14px 0; }
.form-status { margin-top: 16px; font-weight: 600; }
.form-status.success { color: #16794c; }
.form-status.error { color: #b3261e; }

/* Footer */
.site-footer {
  background: var(--color-charcoal);
  color: #d1d5db;
  padding: 48px 0 24px;
  margin-top: 64px;
  font-size: 14px;
}
.footer-columns {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-columns h4 { color: #fff; font-size: 14px; text-transform: uppercase; letter-spacing: 0.04em; margin: 0 0 12px; }
.footer-columns a { color: #d1d5db; text-decoration: none; display: block; margin-bottom: 8px; }
.footer-columns a:hover { color: #fff; }
.footer-bottom { padding-top: 20px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; color: #9ca3af; }

@media (max-width: 720px) {
  .site-header .container { flex-direction: column; align-items: flex-start; }
  .hero h1 { font-size: 30px; }
}

.legal { max-width: 760px; }
.legal h2 { font-size: 22px; margin: 28px 0 8px; }
.legal ul { padding-left: 22px; margin: 8px 0 16px; }
.legal li { margin-bottom: 8px; }
.footer-bottom a { color: #d1d5db; }
.call-line { margin-top: 18px; font-size: 15px; color: var(--color-body); }
.call-line a { font-weight: 700; }