:root{
  --navy:#0a1f44; --navy-2:#102c5c; --gold:#c9a165; --gold-d:#b48747;
  --ink:#14203a; --muted:#5b6477; --line:#e6e9f0; --bg:#f7f8fb; --card:#fff; --tint:#eff2f8;
  --wa:#1fa855; --radius:14px;
  --serif:"Playfair Display",Georgia,serif;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:var(--serif);font-weight:600;color:var(--navy);margin:0}
em{font-style:normal;color:var(--gold)}
svg{flex:none}

/* topbar */
.topbar{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--serif);font-weight:700;font-size:19px;line-height:1.1;color:var(--navy)}
.brand img{border-radius:8px}
.brand small{display:block;font-family:Inter,sans-serif;font-weight:500;font-size:11px;color:var(--muted);letter-spacing:.02em}
nav{display:flex;align-items:center;gap:26px}
nav a:not(.btn){text-decoration:none;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink)}
nav a:not(.btn):hover{color:var(--gold-d)}
.menu-btn{display:none;background:none;border:0;font-size:26px;cursor:pointer;color:var(--navy)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;padding:14px 24px;border-radius:6px;border:1.5px solid transparent;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);box-shadow:0 8px 20px rgba(10,31,68,.25)}
.btn-outline{border-color:#c9cfdc;color:var(--navy);background:#fff}
.btn-outline:hover{border-color:var(--navy)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#d7b27a}
.btn-sm{padding:11px 18px;font-size:11px}

/* hero */
.hero{padding:64px 0 48px}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:40px;align-items:center}
.eyebrow{font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-d);margin:0 0 14px}
h1{font-size:clamp(36px,5.2vw,58px);line-height:1.1;margin-bottom:20px}
h2{font-size:clamp(28px,3.6vw,40px);line-height:1.2;margin-bottom:12px}
h3{font-size:20px;margin-bottom:8px}
.lead{font-size:17px;color:var(--muted);max-width:520px;margin:0}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0}
.hero-points{list-style:none;margin:0;padding:0;display:grid;gap:8px;color:var(--muted);font-size:15px}
.hero-points li,.checks li,.mcard li{display:flex;gap:10px;align-items:flex-start}
.hero-points svg,.checks svg,.mcard li svg{color:var(--gold-d);margin-top:3px}
.hero-visual{position:relative;display:flex;justify-content:center}
.hero-circle{width:min(100%,500px);aspect-ratio:1;border-radius:50%;overflow:hidden;background:#e9edf5;box-shadow:0 0 0 14px rgba(201,161,101,.12)}
.hero-circle img{width:100%;height:100%;object-fit:cover}
.float-card{position:absolute;right:0;top:6%;width:210px;background:var(--navy);color:#fff;border-radius:16px;padding:18px;box-shadow:0 18px 40px rgba(10,31,68,.35)}
.float-card span{font-size:11px;opacity:.7;display:block}
.float-card strong{display:block;font-size:17px;margin:4px 0 6px;font-family:var(--serif);font-weight:600}
.float-card em{font-size:10px;color:#9fb0d0;font-style:italic}

/* trusted */
.trusted{background:#fff;border-radius:20px;padding:24px 28px;box-shadow:0 8px 30px rgba(10,31,68,.06);text-align:center;margin-bottom:20px}
.trusted p{margin:0 0 14px;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--navy)}
.trusted ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px 30px}
.trusted li{font-family:var(--serif);font-size:24px;font-weight:700;color:#3b4560}
.trusted li span{font-family:Inter,sans-serif;font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;display:block;line-height:1;margin-top:-2px}

/* sections */
.section{padding:84px 0}
.section.tint{background:var(--tint)}
.head{max-width:700px;margin:0 auto 44px}
.center{text-align:center}
.sub{color:var(--muted);font-size:17px;margin:0}

.cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.cards2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.scard,.pcard,.rcard,.mcard,.tcard{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.scard{text-align:center;padding:32px 22px}
.sico{color:var(--gold-d);margin:0 auto 14px}
.scard ul{list-style:none;margin:14px 0 0;padding:0;color:var(--muted);font-size:14.5px;display:grid;gap:6px}
.pcard h3,.rcard h3{font-size:19px}
.pcard p,.rcard p{margin:0;color:var(--muted);font-size:15px}
.pcard{border-top:3px solid var(--gold)}
.rcard span{font-family:var(--serif);color:var(--gold);font-size:30px;font-weight:700;display:block;margin-bottom:6px}

.stats{background:var(--navy);border-radius:var(--radius);padding:34px 20px;display:grid;grid-template-columns:repeat(4,1fr);color:#fff;text-align:center}
.stats div{display:grid;justify-items:center;gap:4px;padding:0 10px;border-left:1px solid rgba(255,255,255,.15)}
.stats div:first-child{border-left:0}
.stats svg{color:var(--gold)}
.stats strong{font-family:var(--serif);font-size:34px;font-weight:600;line-height:1.1}
.stats span{font-size:13px;color:#b8c4dd}

.mcard h3{font-size:26px}
.mcard .tag{display:inline-block;background:var(--tint);color:var(--navy-2);font-weight:600;font-size:12px;padding:4px 12px;border-radius:999px;margin-bottom:12px}
.mcard p{color:var(--muted);margin:8px 0 14px}
.mcard ul{list-style:none;margin:0;padding:0;display:grid;gap:8px;font-size:15px}
.note{margin-top:28px;font-weight:600;color:var(--navy-2)}

.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative}
.steps li::before{content:counter(s,decimal-leading-zero);font-family:var(--serif);font-size:30px;font-weight:700;color:var(--gold);display:block;margin-bottom:4px}
.steps h3{font-size:18px}
.steps p{margin:0;color:var(--muted);font-size:14.5px}

/* about */
.about{display:grid;grid-template-columns:420px 1fr 250px;gap:44px;align-items:center}
.about-img{position:relative}
.about-img img{border-radius:var(--radius);width:100%;aspect-ratio:1;object-fit:cover;box-shadow:0 20px 40px rgba(10,31,68,.18);position:relative;z-index:1}
.gold-tab{position:absolute;left:-18px;bottom:30px;width:40px;height:120px;background:var(--gold);border-radius:14px 0 0 14px}
.rule{width:50px;height:2px;background:var(--gold);margin:8px 0 18px}
.about-text p{color:var(--muted)}
.checks{list-style:none;margin:18px 0 24px;padding:0;display:grid;gap:8px;font-size:15px}
.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-align:center}
.qm{font-family:var(--serif);color:var(--gold);font-size:56px;line-height:.8;display:block}
.quote-card p{font-family:var(--serif);font-size:20px;color:var(--navy);margin:8px 0 12px}
.quote-card small{color:var(--muted)}

.tcard{margin:0}
.tcard p{font-style:italic;color:var(--ink);margin:8px 0 14px}
.tcard footer{font-weight:600;color:var(--navy-2);font-size:14px}

/* cta */
.cta-wrap{padding-top:24px;padding-bottom:70px}
.cta{background:var(--navy);border-radius:var(--radius);padding:34px 40px;display:flex;align-items:center;gap:28px;color:#fff}
.cta-ico{width:76px;height:76px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;flex:none}
.cta-text{flex:1}
.cta h2{color:#fff;font-size:28px;margin-bottom:6px}
.cta p{margin:0;color:#b8c4dd}

/* footer */
.footer{background:var(--navy);color:#b8c4dd;padding:56px 0 24px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:36px}
.footer .brand{color:#fff;margin-bottom:12px}
.footer .brand small{color:#9fb0d0}
.footer h4{color:#fff;font-size:11px;letter-spacing:.16em;text-transform:uppercase;margin:0 0 14px}
.footer a{display:block;text-decoration:none;margin-bottom:9px}
.footer a:hover{color:#fff}
.footer p{margin:0;max-width:320px}
.copy{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:13px;opacity:.8}

.form-section{padding-top:20px}
.form-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.lead-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:grid;gap:16px;box-shadow:0 12px 34px rgba(10,31,68,.07)}
.lead-form label{display:grid;gap:6px;font-size:13px;font-weight:600;letter-spacing:.02em;color:var(--navy)}
.lead-form select{font:inherit;font-weight:400;color:var(--ink);padding:13px 14px;border:1.5px solid #cfd5e2;border-radius:8px;background:#fbfcfe;width:100%}
.lead-form select:focus{outline:none;border-color:var(--gold-d);box-shadow:0 0 0 3px rgba(201,161,101,.25)}
.lead-form input,.lead-form textarea{font:inherit;font-weight:400;color:var(--ink);padding:13px 14px;border:1.5px solid #cfd5e2;border-radius:8px;background:#fbfcfe;width:100%;resize:vertical}
.lead-form input:focus,.lead-form textarea:focus{outline:none;border-color:var(--gold-d);box-shadow:0 0 0 3px rgba(201,161,101,.25)}
.lead-form .invalid{border-color:#c0392b}
.lead-form small{color:var(--muted);font-size:12.5px}
.form-error{margin:0;color:#c0392b;font-size:14px;font-weight:600}
.btn-wa{background:var(--wa);color:#fff;justify-content:center;font-size:14px;padding:16px 24px;cursor:pointer}
.btn-wa:hover{background:#1a9a4e;box-shadow:0 8px 20px rgba(31,168,85,.3)}
@media(max-width:860px){.form-grid{grid-template-columns:1fr;gap:24px}}

.wa-float{position:fixed;right:18px;bottom:18px;z-index:60;width:58px;height:58px;border-radius:50%;background:var(--wa);color:#fff;display:grid;place-items:center;box-shadow:0 8px 22px rgba(0,0,0,.3)}

@media(max-width:1000px){
  .about{grid-template-columns:1fr 1fr}
  .about-img{grid-column:1/-1;max-width:380px}
  .quote-card{grid-column:1/-1}
  .cards4,.steps{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:860px){
  .menu-btn{display:block}
  nav{display:none;position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:flex-start;background:#fff;padding:16px 20px 22px;gap:16px;border-bottom:1px solid var(--line)}
  nav.open{display:flex}
  .hero{padding:36px 0 30px}
  .hero-grid{grid-template-columns:1fr}
  .hero-visual{order:-1}
  .hero-circle{width:min(78vw,380px)}
  .float-card{right:2%;top:0;width:170px;padding:14px}
  .cards3,.cards2{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr);gap:22px 0}
  .stats div:nth-child(3){border-left:0}
  .about{grid-template-columns:1fr}
  .cta{flex-direction:column;text-align:center;padding:30px 22px}
  .section{padding:60px 0}
  .trusted ul{justify-content:center}
}
@media(max-width:560px){
  .cards4,.steps,.foot-grid{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}