*{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1A2B4A; --navy2:#24365E; --navy-deep:#101D33;
  --gold:#C9A227; --gold-d:#A8861B; --gold-soft:#F5EDD6;
  --ink:#1E2A44; --muted:#5C6B8A; --line:#E3E8F0; --bg:#F8F9FB; --white:#fff;
  --r:14px; --sh:0 18px 45px -18px rgba(26,43,74,.22);
  --f-h:'Fraunces',Georgia,serif; --f-b:'Inter',system-ui,sans-serif;
}
html{scroll-behavior:smooth}
body{font-family:var(--f-b);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:1180px;margin:0 auto;padding:0 1.4rem}
h1,h2,h3{font-family:var(--f-h);line-height:1.15;letter-spacing:-.01em}
h2{font-size:clamp(1.9rem,4vw,2.7rem);margin-bottom:.8rem}
.lede{font-size:1.12rem;color:#3E4C68;max-width:44rem}
.lede.dark{color:var(--muted)}
.narrow{max-width:46rem}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.75rem;font-weight:700;color:var(--gold);margin-bottom:.7rem}
.eyebrow.dark{color:var(--gold-d)}
.section{padding:5.5rem 0}
.section.alt{background:#fff}
.section.dark{background:var(--navy-deep);color:#E8EDF6}
.section.dark h2{color:#fff}
.section.dark .lede{color:#B9C4DA}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-weight:600;text-decoration:none;border:0;cursor:pointer;border-radius:10px;padding:.85rem 1.7rem;font-size:1rem;transition:transform .18s ease,box-shadow .18s ease,background .18s ease;font-family:var(--f-b)}
.btn-lg{padding:1.05rem 2.1rem;font-size:1.08rem}
.btn-sm{padding:.6rem 1.15rem;font-size:.92rem}
.btn-block{width:100%}
.btn-gold{background:var(--gold);color:#221A05;box-shadow:0 10px 26px -10px rgba(201,162,39,.65)}
.btn-gold:hover{background:#D9B63A;transform:translateY(-2px)}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.35)}
.btn-ghost:hover{background:rgba(255,255,255,.16);transform:translateY(-2px)}

/* Header */
.site-header{position:fixed;top:0;left:0;right:0;z-index:50;transition:background .25s ease,box-shadow .25s ease;background:transparent}
.site-header.scrolled{background:rgba(16,29,51,.96);box-shadow:0 6px 24px -12px rgba(0,0,0,.5);backdrop-filter:blur(8px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.9rem 1.4rem}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none}
.brand-logo{height:46px;width:46px;object-fit:contain;display:block;border-radius:8px}
.nav-links{display:flex;gap:1.6rem}
.nav-links a{color:#DCE3F2;text-decoration:none;font-weight:500;font-size:.98rem}
.nav-links a:hover{color:var(--gold)}
.header-cta{display:flex;align-items:center;gap:1rem}
.header-phone{color:#DCE3F2;text-decoration:none;font-weight:600;font-size:.95rem;white-space:nowrap}
.header-phone:hover{color:var(--gold)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:.4rem}
.nav-toggle span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;border-radius:2px;transition:.2s}

/* Hero */
.hero{position:relative;min-height:92vh;display:flex;align-items:center;color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:linear-gradient(135deg,#24365E 0%,#101D33 60%,#0B1424 100%)}
.hero-bg::after{content:"";position:absolute;inset:0;background:
  radial-gradient(900px 480px at 82% 18%,rgba(201,162,39,.16),transparent 60%),
  radial-gradient(700px 420px at 12% 85%,rgba(36,54,94,.9),transparent 65%)}
.hero-shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,20,36,.55) 0%,rgba(11,20,36,.25) 45%,rgba(11,20,36,.72) 100%)}
.hero-content{position:relative;padding:7.5rem 1.4rem 4.5rem;max-width:1180px}
.hero h1{font-size:clamp(2.4rem,5.6vw,4rem);margin-bottom:1.1rem;color:#fff}
.hero .lede{color:#C9D2E6;max-width:42rem;margin-bottom:1.8rem}
.hero .lede strong{color:#fff}
.hero-cta{display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:3rem}
.hero-points{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;max-width:46rem}
.hero-points>div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:1.1rem 1.25rem;backdrop-filter:blur(6px)}
.hero-points strong{display:block;font-family:var(--f-h);font-size:1.35rem;color:var(--gold)}
.hero-points span{font-size:.92rem;color:#C9D2E6}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1.2rem;margin-top:2.2rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.7rem 1.5rem;box-shadow:var(--sh);transition:transform .2s ease}
.card:hover{transform:translateY(-4px)}
.card-ico{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:1rem}
.card h3{font-size:1.25rem;margin-bottom:.5rem;color:var(--navy-deep)}
.card p{color:var(--muted);font-size:.97rem}
.box-note{margin-top:1.8rem;color:var(--muted)}
.box-note a{color:var(--gold-d);font-weight:600}

/* Process */
.steps-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:2.5rem;margin-top:2.2rem;align-items:start}
.steps-list{list-style:none;display:flex;flex-direction:column;gap:1.4rem}
.steps-list li{display:flex;gap:1.1rem;align-items:flex-start}
.steps-list .n{flex:0 0 46px;height:46px;border-radius:50%;background:var(--gold);color:#221A05;font-family:var(--f-h);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:1.15rem}
.steps-list strong{display:block;font-size:1.12rem;color:var(--navy-deep);margin-bottom:.2rem}
.steps-list span{color:var(--muted)}
.process-card{background:var(--navy-deep);color:#E8EDF6;border-radius:var(--r);padding:2rem;box-shadow:var(--sh)}
.process-card h3{color:#fff;margin-bottom:1rem;font-size:1.35rem}
.process-card ul{list-style:none;display:flex;flex-direction:column;gap:.7rem}
.process-card li{font-size:1rem;color:#C9D2E6}

/* Form */
.form-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:3rem;align-items:start}
.contact-list{list-style:none;margin-top:1.6rem;display:flex;flex-direction:column;gap:.6rem;font-size:1.05rem}
.contact-list a{color:var(--gold-d);font-weight:600;text-decoration:none}
.contact-list a:hover{text-decoration:underline}
.deal-form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:2rem;box-shadow:var(--sh)}
.deal-form label{display:block;font-weight:600;font-size:.92rem;margin-bottom:1rem;color:var(--ink)}
.deal-form input,.deal-form select,.deal-form textarea{width:100%;margin-top:.4rem;padding:.85rem 1rem;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;font-family:var(--f-b);background:#FBFCFE;color:var(--ink)}
.deal-form input:focus,.deal-form select:focus,.deal-form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,39,.16)}
.frow2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.consent{display:flex!important;align-items:flex-start;gap:.6rem;font-weight:400!important;font-size:.88rem!important;color:var(--muted)}
.consent input{width:auto!important;margin-top:.25rem}
.form-note{margin-top:1rem;font-size:.95rem;min-height:1.4em}
.form-note.ok{color:#1B7A3D}
.form-note.err{color:#B3261E}

/* Footer */
.site-footer{background:#0B1424;color:#9AA7C4;padding:3.5rem 0 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem;padding-bottom:2.5rem}
.foot-tag{margin-top:.8rem;font-size:.95rem;max-width:22rem}
.foot-links{display:flex;flex-direction:column;gap:.6rem}
.foot-links a,.foot-contact a{color:#9AA7C4;text-decoration:none}
.foot-links a:hover,.foot-contact a:hover{color:var(--gold)}
.foot-contact{display:flex;flex-direction:column;gap:.6rem}
.foot-base{border-top:1px solid rgba(255,255,255,.08);padding:1.2rem 1.4rem;font-size:.85rem}

/* Legal pages */
.legal{padding:8rem 0 4rem}
.legal h1{margin-bottom:1.2rem;font-size:2.2rem;color:var(--navy-deep)}
.legal h2{font-size:1.4rem;margin:1.8rem 0 .6rem;color:var(--navy-deep)}
.legal p,.legal li{color:#3E4C68;margin-bottom:.8rem}
.legal ul{padding-left:1.4rem}

/* Responsive */
@media(max-width:960px){
  .cards{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps-grid,.form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
}
@media(max-width:760px){
  .nav-links{position:fixed;top:0;right:-100%;width:min(78vw,320px);height:100dvh;background:var(--navy-deep);flex-direction:column;padding:5.5rem 2rem 2rem;gap:1.4rem;transition:right .28s ease;box-shadow:-20px 0 50px rgba(0,0,0,.35)}
  .nav-links.open{right:0}
  .nav-links a{font-size:1.15rem}
  .nav-toggle{display:block;z-index:60}
  .nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-toggle.open span:nth-child(2){opacity:0}
  .nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .header-phone{display:none}
  .header-cta .btn{display:none}
  .hero{min-height:88vh}
  .hero-points{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr}
  .frow2{grid-template-columns:1fr}
  .section{padding:4rem 0}
  .deal-form{padding:1.5rem}
}