/* ---------- Design tokens ---------- */
:root {
  --navy: #0b2545;
  --navy-2: #133a6b;
  --gold: #e6b422;
  --gold-soft: #f4d97a;
  --ink: #14213d;
  --slate: #4a5568;
  --mist: #f5f7fb;
  --line: #e2e8f0;
  --white: #ffffff;
  --radius: 16px;
  --shadow: 0 20px 45px -20px rgba(11, 37, 69, 0.35);
  --max: 1120px;
  --font: "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
}

/* ---------- Reset / base ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3 { line-height: 1.15; color: var(--navy); margin: 0 0 0.5em; }
h1 { font-size: clamp(2.1rem, 4.5vw, 3.4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); letter-spacing: -0.01em; }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1rem; }
a { color: var(--navy-2); }
img { max-width: 100%; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.center { text-align: center; }
.accent { color: var(--gold); }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gold);
  margin: 0 0 0.75rem;
}
.eyebrow.center { display: block; }
.section-intro { max-width: 640px; margin: 0 auto 2.5rem; color: var(--slate); font-size: 1.08rem; }

.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--navy); color: #fff; padding: 10px 16px; z-index: 100;
}
.skip-link:focus { left: 12px; top: 12px; border-radius: 8px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 14px 26px;
  border-radius: 999px;
  font-weight: 700;
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  border: 2px solid transparent;
  cursor: pointer;
  font-size: 1rem;
}
.btn-primary { background: var(--gold); color: var(--ink); box-shadow: 0 12px 24px -12px rgba(230, 180, 34, 0.8); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 30px -14px rgba(230, 180, 34, 0.9); }
.btn-ghost { color: #fff; border-color: rgba(255, 255, 255, 0.5); }
.btn-ghost:hover { background: rgba(255, 255, 255, 0.1); }
.btn-block { width: 100%; text-align: center; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; color: var(--navy); }
.brand-mark {
  display: grid; place-items: center;
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--navy); color: var(--gold);
  font-weight: 800; font-size: 0.95rem; letter-spacing: 0.02em;
}
.brand-name { font-size: 1.15rem; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { text-decoration: none; color: var(--slate); font-weight: 600; font-size: 0.98rem; }
.nav a:hover { color: var(--navy); }
.nav-cta {
  background: var(--navy); color: #fff !important;
  padding: 10px 18px; border-radius: 999px;
}
.nav-cta:hover { background: var(--navy-2); }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1200px 500px at 80% -10%, rgba(230, 180, 34, 0.18), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #eaf1fb;
  padding: 80px 0 90px;
}
.hero-inner { display: grid; grid-template-columns: 1.2fr 0.9fr; gap: 56px; align-items: center; }
.hero-copy h1 { color: #fff; }
.hero .eyebrow { color: var(--gold-soft); }
.lead { font-size: 1.18rem; color: #cdd9ec; max-width: 34rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin: 28px 0 20px; }
.hero-trust { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 24px; color: #b9c8e0; font-size: 0.95rem; }
.hero-trust li { white-space: nowrap; }

.hero-card {
  position: relative;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  padding: 28px;
  backdrop-filter: blur(6px);
  display: grid; gap: 20px;
}
.card-glow {
  position: absolute; inset: -1px; border-radius: var(--radius);
  background: linear-gradient(120deg, rgba(230, 180, 34, 0.25), transparent 40%);
  pointer-events: none;
}
.stat { position: relative; }
.stat-num { display: block; font-size: 1.7rem; font-weight: 800; color: var(--gold-soft); }
.stat-label { display: block; color: #c9d6ea; font-size: 0.95rem; }
.stat + .stat { border-top: 1px solid rgba(255, 255, 255, 0.12); padding-top: 18px; }

/* ---------- Sections ---------- */
.section { padding: 84px 0; }
.section-alt { background: var(--mist); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 12px; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow);
}
.step-num {
  display: grid; place-items: center;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy); color: var(--gold); font-weight: 800; margin-bottom: 16px;
}
.step p { color: var(--slate); margin: 0; }

/* Benefits */
.benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.benefit {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.benefit:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.benefit-icon { font-size: 1.9rem; margin-bottom: 10px; }
.benefit p { color: var(--slate); margin: 0; }

/* About */
.about-inner { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 48px; align-items: center; }
.about-photo {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 4px solid var(--gold);
  line-height: 0;
}
.about-photo img {
  display: block;
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center 25%;
}
.about-copy p { color: var(--slate); }

/* CTA */
.section-cta {
  background:
    radial-gradient(900px 400px at 15% 120%, rgba(230, 180, 34, 0.16), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #eaf1fb; text-align: center;
}
.section-cta h2 { color: #fff; }
.section-cta .section-intro { color: #cdd9ec; }
.cta-inner { max-width: 720px; margin: 0 auto; }

/* Form */
.contact-form {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  padding: 28px; text-align: left; display: grid; gap: 16px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-form label { display: grid; gap: 6px; font-size: 0.9rem; font-weight: 600; color: #dbe5f5; }
.contact-form input {
  padding: 12px 14px; border-radius: 10px; border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.95); color: var(--ink); font-size: 1rem; font-family: inherit;
}
.contact-form input:focus { outline: 2px solid var(--gold); outline-offset: 1px; }
.form-note { font-size: 0.82rem; color: #b9c8e0; margin: 0; }
.form-note a { color: var(--gold-soft); }

/* ---------- Footer ---------- */
.site-footer { background: #081a30; color: #aebfd6; padding: 44px 0 30px; }
.footer-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px; padding-bottom: 22px; border-bottom: 1px solid rgba(255, 255, 255, 0.08); }
.footer-brand { display: flex; align-items: center; gap: 10px; color: #fff; font-weight: 800; }
.footer-nav { display: flex; flex-wrap: wrap; gap: 20px; }
.footer-nav a { color: #aebfd6; text-decoration: none; font-size: 0.95rem; }
.footer-nav a:hover { color: #fff; }
.footer-copy { width: 100%; font-size: 0.9rem; margin: 0; }
.disclaimer { font-size: 0.78rem; color: #7c8db0; margin: 20px 0 0; line-height: 1.5; }

/* ---------- Legal pages ---------- */
.legal { padding: 60px 0 80px; }
.legal .container { max-width: 780px; }
.legal h1 { margin-bottom: 0.2em; }
.legal .updated { color: var(--slate); font-size: 0.95rem; margin-bottom: 2rem; }
.legal h2 { font-size: 1.3rem; margin-top: 2rem; }
.legal h3 { font-size: 1.08rem; margin-top: 1.5rem; color: var(--navy-2); }
.legal p, .legal li { color: var(--slate); }
.legal ul, .legal ol { padding-left: 1.3rem; }
.legal li { margin-bottom: 0.4rem; }
.legal em { color: var(--navy-2); font-style: italic; }
.legal a { color: var(--navy-2); font-weight: 600; }
.table-wrap { overflow-x: auto; margin: 1.2rem 0; border: 1px solid var(--line); border-radius: 10px; }
.legal-table { border-collapse: collapse; width: 100%; min-width: 560px; font-size: 0.92rem; }
.legal-table th, .legal-table td { text-align: left; padding: 10px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
.legal-table thead th { background: var(--mist); color: var(--navy); font-weight: 700; }
.legal-table td:last-child, .legal-table th:last-child { text-align: center; font-weight: 700; white-space: nowrap; }
.legal-table tr:last-child td { border-bottom: none; }
.back-link { display: inline-block; margin-top: 2.5rem; font-weight: 700; text-decoration: none; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .nav { gap: 16px; }
  .nav a:not(.nav-cta) { display: none; }
  .hero-inner { grid-template-columns: 1fr; gap: 36px; }
  .steps, .benefits-grid { grid-template-columns: 1fr; }
  .about-inner { grid-template-columns: 1fr; }
  .about-photo { max-width: 260px; margin: 0 auto; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 520px) {
  .section { padding: 60px 0; }
  .hero { padding: 60px 0 70px; }
}