@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800&family=Lato:wght@300;400;600;700;900&display=swap');

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1B2D5E;--navy-dark:#0F1C3F;--navy-light:#2A4080;
  --gold:#D4A843;--gold-light:#F0CA6A;--gold-pale:#F5E6C0;
  --white:#FFFFFF;--offwhite:#F8F6F0;
  --text-dark:#1A1A2E;--text-body:#3D3D3D;--text-muted:#6B7280;
  --shadow-sm:0 2px 8px rgba(27,45,94,.10);
  --shadow-md:0 6px 24px rgba(27,45,94,.15);
  --shadow-lg:0 12px 48px rgba(27,45,94,.20);
  --radius:8px;--radius-lg:16px;
}
html{scroll-behavior:smooth}
body{font-family:'Lato',sans-serif;font-size:17px;line-height:1.7;color:var(--text-body);background:var(--white);overflow-x:hidden}
h1,h2,h3,h4{font-family:'Playfair Display',serif;color:var(--navy);line-height:1.25}
h1{font-size:clamp(32px,5vw,52px);font-weight:800}
h2{font-size:clamp(26px,3.5vw,38px);font-weight:700}
h3{font-size:clamp(20px,2.5vw,26px);font-weight:600}
h4{font-size:20px;font-weight:600}
p{margin-bottom:1rem}
a{color:var(--gold);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.container{max-width:1140px;margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-alt{background:var(--offwhite)}
.section-navy{background:var(--navy);color:var(--white)}
.section-navy h2,.section-navy h3{color:var(--white)}
.section-header{text-align:center;margin-bottom:56px}
.section-header h2{margin-bottom:16px}
.section-header p{font-size:18px;color:var(--text-muted);max-width:640px;margin:0 auto}
.gold-line{width:60px;height:4px;background:var(--gold);border-radius:2px;margin:16px auto 0}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:10px;padding:16px 32px;font-family:'Lato',sans-serif;font-size:18px;font-weight:700;border-radius:50px;border:none;cursor:pointer;text-decoration:none;transition:all .25s ease;white-space:nowrap}
.btn-primary{background:var(--gold);color:var(--navy-dark);box-shadow:0 4px 20px rgba(212,168,67,.40)}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 8px 28px rgba(212,168,67,.50);text-decoration:none;color:var(--navy-dark)}
.btn-outline{background:transparent;color:var(--white);border:2px solid var(--white)}
.btn-outline:hover{background:var(--white);color:var(--navy);text-decoration:none}
.btn-lg{padding:20px 42px;font-size:20px}
.btn-sm{padding:10px 22px;font-size:15px}
.cta-call-btn{background:linear-gradient(135deg,#D4A843,#F0CA6A);color:var(--navy-dark);font-size:20px;padding:20px 42px;border-radius:50px;font-weight:900;letter-spacing:.5px;box-shadow:0 6px 28px rgba(212,168,67,.45);animation:pulse-gold 2.5s ease-in-out infinite;display:inline-flex;align-items:center;gap:10px;text-decoration:none;border:none;cursor:pointer}
.cta-call-btn:hover{transform:translateY(-3px) scale(1.02);box-shadow:0 10px 36px rgba(212,168,67,.60);text-decoration:none;color:var(--navy-dark)}
@keyframes pulse-gold{0%,100%{box-shadow:0 6px 28px rgba(212,168,67,.45)}50%{box-shadow:0 6px 40px rgba(212,168,67,.70)}}

/* HEADER */
.site-header{position:sticky;top:0;z-index:1000;background:var(--navy-dark);box-shadow:0 2px 16px rgba(0,0,0,.25);padding:12px 0}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo-icon{width:44px;height:44px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.logo-text{font-family:'Playfair Display',serif;font-size:20px;font-weight:700;color:var(--white);line-height:1.15}
.logo-text span{display:block;font-size:11px;font-family:'Lato',sans-serif;font-weight:400;color:var(--gold-light);letter-spacing:1.5px;text-transform:uppercase}
.header-nav{display:flex;align-items:center;gap:28px}
.header-nav a{color:rgba(255,255,255,.85);font-size:15px;font-weight:600;text-decoration:none;transition:color .2s}
.header-nav a:hover{color:var(--gold-light)}
.header-cta{background:var(--gold);color:var(--navy-dark)!important;padding:10px 22px;border-radius:50px;font-weight:700!important;font-size:15px!important;display:flex;align-items:center;gap:6px;box-shadow:0 3px 12px rgba(212,168,67,.35)}
.header-cta:hover{background:var(--gold-light)!important;transform:translateY(-1px);text-decoration:none!important}
.hamburger{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;padding:4px}
.hamburger span{display:block;width:26px;height:3px;background:var(--white);border-radius:2px;transition:all .3s}

/* HERO */
.hero{position:relative;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 50%,var(--navy-light) 100%);padding:90px 0 80px;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url('https://images.unsplash.com/photo-1559827260-dc66d52bef19?w=1400&q=80') center/cover no-repeat;opacity:.12;z-index:0}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(212,168,67,.20);border:1px solid rgba(212,168,67,.50);color:var(--gold-light);padding:6px 16px;border-radius:50px;font-size:13px;font-weight:700;letter-spacing:1px;text-transform:uppercase;margin-bottom:24px}
.hero h1{color:var(--white);margin-bottom:20px;text-shadow:0 2px 12px rgba(0,0,0,.3)}
.hero h1 em{font-style:normal;color:var(--gold-light)}
.hero-sub{font-size:19px;color:rgba(255,255,255,.85);margin-bottom:36px;line-height:1.6}
.hero-actions{display:flex;flex-direction:column;gap:16px;align-items:flex-start}
.hero-secondary-note{font-size:14px;color:rgba(255,255,255,.60);display:flex;align-items:center;gap:6px}
.hero-image-wrap{position:relative}
.hero-image-wrap img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);width:100%;object-fit:cover;height:440px;border:4px solid rgba(212,168,67,.30)}
.hero-stat-card{position:absolute;background:var(--white);border-radius:var(--radius);padding:14px 20px;box-shadow:var(--shadow-md);display:flex;align-items:center;gap:12px;min-width:190px}
.hero-stat-card.card-1{bottom:-20px;left:-28px}
.hero-stat-card.card-2{top:-16px;right:-20px}
.hero-stat-icon{width:42px;height:42px;background:var(--gold-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.hero-stat-num{font-family:'Playfair Display',serif;font-size:22px;font-weight:800;color:var(--navy);line-height:1}
.hero-stat-label{font-size:12px;color:var(--text-muted);margin-top:2px}

/* TRUST BAR */
.trust-bar{background:var(--navy-dark);padding:20px 0;border-top:1px solid rgba(212,168,67,.20)}
.trust-badges{display:flex;justify-content:center;flex-wrap:wrap;gap:12px 36px}
.trust-badge{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,.85);font-size:14px;font-weight:600}
.trust-badge-icon{width:32px;height:32px;background:rgba(212,168,67,.20);border:1px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0}

/* INTRO */
.intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.intro-img{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);height:420px;object-fit:cover;width:100%}
.intro-text h2{margin-bottom:20px}
.check-list{list-style:none;margin:24px 0}
.check-list li{display:flex;align-items:flex-start;gap:12px;padding:8px 0;border-bottom:1px solid rgba(27,45,94,.08);font-size:16px}
.check-list li:last-child{border-bottom:none}
.check-icon{width:24px;height:24px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:13px;flex-shrink:0;margin-top:2px}

/* WORRY CARDS */
.worry-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.worry-card{background:var(--white);border-radius:var(--radius-lg);padding:32px 28px;text-align:center;box-shadow:var(--shadow-sm);border:1px solid rgba(27,45,94,.08);transition:transform .25s,box-shadow .25s}
.worry-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.worry-icon{width:64px;height:64px;background:var(--gold-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:30px;margin:0 auto 20px}
.worry-card h3{font-size:18px;margin-bottom:10px}
.worry-card p{font-size:15px;color:var(--text-muted);margin:0}

/* STEPS */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;position:relative}
.steps-grid::before{content:'';position:absolute;top:48px;left:calc(16.66% + 20px);right:calc(16.66% + 20px);height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light),var(--gold));z-index:0}
.step-card{text-align:center;position:relative;z-index:1;background:var(--white);border-radius:var(--radius-lg);padding:40px 28px 32px;box-shadow:var(--shadow-sm);border:1px solid rgba(27,45,94,.08);transition:transform .25s}
.step-card:hover{transform:translateY(-4px)}
.step-number{width:72px;height:72px;background:var(--navy);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:28px;font-weight:800;margin:0 auto 24px;border:4px solid var(--gold);position:relative;z-index:2}
.step-card h3{margin-bottom:12px}
.step-card p{font-size:15px;color:var(--text-muted);margin:0}

/* STATS */
.stats-bar{background:var(--navy);padding:52px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat-num{font-family:'Playfair Display',serif;font-size:48px;font-weight:800;color:var(--gold);line-height:1;margin-bottom:8px}
.stat-label{color:rgba(255,255,255,.80);font-size:15px}

/* TESTIMONIALS */
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.testimonial-card{background:var(--white);border-radius:var(--radius-lg);padding:32px 28px;box-shadow:var(--shadow-sm);border:1px solid rgba(27,45,94,.08);position:relative}
.testimonial-card::before{content:'"';position:absolute;top:16px;left:24px;font-family:'Playfair Display',serif;font-size:72px;color:var(--gold-pale);line-height:1;z-index:0}
.stars{color:var(--gold);font-size:18px;margin-bottom:14px;letter-spacing:2px}
.testimonial-text{font-size:16px;font-style:italic;color:var(--text-body);margin-bottom:20px;position:relative;z-index:1}
.testimonial-author{display:flex;align-items:center;gap:12px;border-top:1px solid rgba(27,45,94,.08);padding-top:16px}
.author-avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;border:2px solid var(--gold)}
.author-name{font-weight:700;font-size:15px;color:var(--navy)}
.author-location{font-size:13px;color:var(--text-muted)}

/* CTA BANNER */
.cta-banner{background:linear-gradient(135deg,var(--navy-dark),var(--navy));padding:80px 0;text-align:center;position:relative;overflow:hidden}
.cta-banner::before{content:'';position:absolute;top:-50%;left:-10%;width:50%;height:200%;background:radial-gradient(ellipse,rgba(212,168,67,.12) 0%,transparent 70%)}
.cta-banner h2{color:var(--white);margin-bottom:16px}
.cta-banner p{color:rgba(255,255,255,.75);font-size:18px;margin-bottom:36px;max-width:580px;margin-left:auto;margin-right:auto}
.tcpa-disclaimer{font-size:12px;color:rgba(255,255,255,.50);max-width:560px;margin:20px auto 0;line-height:1.6}

/* FAQ */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{border:1px solid rgba(27,45,94,.12);border-radius:var(--radius);margin-bottom:12px;overflow:hidden;background:var(--white)}
.faq-question{width:100%;background:none;border:none;padding:22px 28px;text-align:left;font-family:'Lato',sans-serif;font-size:17px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;transition:background .2s}
.faq-question:hover{background:var(--offwhite)}
.faq-question.open{background:var(--gold-pale)}
.faq-icon{width:28px;height:28px;background:var(--navy);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0;transition:transform .3s,background .2s}
.faq-question.open .faq-icon{transform:rotate(45deg);background:var(--gold);color:var(--navy-dark)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s;padding:0 28px;font-size:16px;color:var(--text-body);line-height:1.7}
.faq-answer.open{max-height:400px;padding:0 28px 22px}

/* ABOUT / VALUE CARDS */
.values-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:28px}
.value-card{background:var(--white);border-radius:var(--radius-lg);padding:36px 28px;text-align:center;box-shadow:var(--shadow-sm);border-top:4px solid var(--gold)}
.value-icon{font-size:40px;margin-bottom:16px}
.value-card h3{margin-bottom:12px}
.value-card p{font-size:15px;color:var(--text-muted);margin:0}

/* HOW IT WORKS PAGE */
.hiw-steps{max-width:820px;margin:0 auto}
.hiw-step{display:grid;grid-template-columns:90px 1fr;gap:32px;align-items:flex-start;margin-bottom:48px;position:relative}
.hiw-step:not(:last-child)::before{content:'';position:absolute;left:44px;top:90px;bottom:-22px;width:3px;background:linear-gradient(180deg,var(--gold),rgba(212,168,67,.2))}
.hiw-step-num{width:90px;height:90px;background:var(--navy);border:4px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:32px;font-weight:800;color:var(--gold);flex-shrink:0}
.hiw-step-content{padding-top:16px}
.hiw-step-content h3{margin-bottom:12px;color:var(--navy)}
.hiw-step-content p{color:var(--text-body);margin-bottom:12px}
.hiw-step-note{background:var(--gold-pale);border-left:4px solid var(--gold);padding:12px 16px;border-radius:0 var(--radius) var(--radius) 0;font-size:15px;color:var(--navy);font-weight:600}

/* CONTACT */
.contact-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:60px;align-items:flex-start}
.contact-method{display:flex;align-items:flex-start;gap:16px;padding:20px 0;border-bottom:1px solid rgba(27,45,94,.08)}
.contact-method:last-child{border-bottom:none}
.contact-method-icon{width:48px;height:48px;background:var(--gold-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.contact-method h4{margin-bottom:4px;color:var(--navy);font-size:16px}
.contact-method p{margin:0;font-size:15px;color:var(--text-muted)}
.contact-method a{color:var(--navy);font-weight:700}
.contact-form-wrap{background:var(--white);border-radius:var(--radius-lg);padding:44px;box-shadow:var(--shadow-md);border:1px solid rgba(27,45,94,.08)}
.contact-form-wrap h3{margin-bottom:28px}
.form-row{margin-bottom:20px}
.form-row label{display:block;font-weight:700;font-size:14px;color:var(--navy);margin-bottom:8px;text-transform:uppercase;letter-spacing:.5px}
.form-row input,.form-row select,.form-row textarea{width:100%;padding:14px 18px;border:2px solid rgba(27,45,94,.12);border-radius:var(--radius);font-family:'Lato',sans-serif;font-size:16px;color:var(--text-dark);transition:border-color .2s;background:var(--offwhite)}
.form-row input:focus,.form-row select:focus,.form-row textarea:focus{outline:none;border-color:var(--navy);background:var(--white)}
.form-row textarea{resize:vertical;min-height:120px}
.form-tcpa{font-size:12px;color:var(--text-muted);margin:16px 0;line-height:1.6;background:var(--offwhite);padding:12px;border-radius:var(--radius)}

/* FOOTER */
.site-footer{background:var(--navy-dark);color:rgba(255,255,255,.75);padding:60px 0 32px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.footer-desc{font-size:14px;color:rgba(255,255,255,.60);line-height:1.7;margin-bottom:20px}
.footer-phone-link{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy-dark);padding:10px 20px;border-radius:50px;font-weight:700;font-size:15px;text-decoration:none}
.footer-phone-link:hover{background:var(--gold-light);text-decoration:none;color:var(--navy-dark)}
.footer-col h4{color:var(--white);font-family:'Lato',sans-serif;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;margin-bottom:16px}
.footer-links{list-style:none}
.footer-links li{margin-bottom:8px}
.footer-links a{color:rgba(255,255,255,.60);font-size:14px;text-decoration:none;transition:color .2s}
.footer-links a:hover{color:var(--gold-light)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.10);padding-top:28px;display:flex;flex-direction:column;gap:12px}
.footer-legal{font-size:12px;color:rgba(255,255,255,.40);line-height:1.6;max-width:840px}
.footer-links-row{display:flex;flex-wrap:wrap;gap:16px}
.footer-links-row a{font-size:12px;color:rgba(255,255,255,.50);text-decoration:none}
.footer-links-row a:hover{color:var(--gold-light)}

/* MOBILE STICKY BAR */
.mobile-call-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:999;background:linear-gradient(135deg,var(--gold),var(--gold-light));padding:14px 20px;text-align:center;box-shadow:0 -4px 20px rgba(0,0,0,.25)}
.mobile-call-bar a{color:var(--navy-dark);font-weight:900;font-size:18px;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:10px;letter-spacing:.3px}

/* PAGE HERO */
.page-hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy));padding:72px 0 56px;text-align:center}
.page-hero h1{color:var(--white);margin-bottom:14px}
.page-hero p{color:rgba(255,255,255,.80);font-size:18px;max-width:640px;margin:0 auto}

/* LEGAL */
.legal-content{max-width:860px;margin:0 auto}
.legal-content h2{font-size:22px;margin:36px 0 12px;padding-bottom:8px;border-bottom:2px solid var(--gold-pale)}
.legal-content h3{font-size:18px;margin:24px 0 8px;color:var(--navy)}
.legal-content p{margin-bottom:14px;font-size:16px}
.legal-content ul{padding-left:24px;margin-bottom:14px}
.legal-content ul li{margin-bottom:6px;font-size:16px}

/* UTILITIES */
.text-center{text-align:center}
.text-gold{color:var(--gold)}
.mt-8{margin-top:8px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-32{margin-top:32px}
.mb-0{margin-bottom:0}

/* RESPONSIVE */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .stats-grid{grid-template-columns:repeat(2,1fr);gap:32px}
}
@media(max-width:768px){
  .section{padding:56px 0}
  .hero{padding:60px 0}
  .hero-grid,.intro-grid,.contact-grid{grid-template-columns:1fr;gap:36px}
  .hero-image-wrap{display:none}
  .steps-grid{grid-template-columns:1fr;gap:20px}
  .steps-grid::before{display:none}
  .testimonials-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .header-nav{display:none}
  .header-nav.open{display:flex;flex-direction:column;align-items:flex-start;position:absolute;top:100%;left:0;right:0;background:var(--navy-dark);padding:20px 24px;gap:16px;box-shadow:var(--shadow-md)}
  .hamburger{display:flex}
  .mobile-call-bar{display:block}
  body{padding-bottom:60px}
  .contact-form-wrap{padding:28px 20px}
  .hiw-step{grid-template-columns:70px 1fr;gap:20px}
  .hiw-step-num{width:70px;height:70px;font-size:26px}
  .values-grid{grid-template-columns:1fr}
  .stat-num{font-size:36px}
}
@media(max-width:480px){
  h1{font-size:28px}h2{font-size:24px}
  .cta-call-btn{font-size:17px;padding:16px 28px;width:100%;justify-content:center}
  .trust-badges{flex-direction:column;align-items:center}
}