:root {
  --ink: #0e1726;
  --ink-soft: #3d4a5c;
  --muted: #6b7789;
  --line: #e3e7ee;
  --paper: #fbfaf7;
  --white: #ffffff;
  --navy: #0f2a4a;
  --navy-deep: #0a1d35;
  --gold: #c39a4a;
  --gold-soft: #f3ead8;
  --sky: #2b6cb0;
  --radius: 14px;
  --max: 1120px;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--sky); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 24px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 10;
  background: rgba(251, 250, 247, 0.88);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand-mark {
  width: 38px; height: 38px; border-radius: 9px; background: var(--navy);
  display: grid; place-items: center; color: var(--gold);
  font-family: var(--serif); font-weight: 600; font-size: 17px; letter-spacing: 0.5px;
}
.brand-name { font-family: var(--serif); font-size: 20px; font-weight: 600; letter-spacing: 0.2px; }
.brand-name span { color: var(--muted); font-weight: 400; }
.nav { display: flex; gap: 28px; align-items: center; }
.nav a { color: var(--ink-soft); text-decoration: none; font-size: 15px; font-weight: 500; }
.nav a:hover { color: var(--navy); }
.nav .btn { color: var(--white); }

.btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--navy); color: var(--white); text-decoration: none;
  padding: 12px 20px; border-radius: 999px; font-weight: 600; font-size: 15px;
  border: 1px solid var(--navy); transition: background .2s, transform .2s;
}
.btn:hover { background: var(--navy-deep); color: var(--white); transform: translateY(-1px); }
.btn.ghost { background: transparent; color: var(--navy); }
.btn.ghost:hover { background: var(--white); }

/* Hero */
.hero { position: relative; overflow: hidden; background: var(--navy); color: var(--white); }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(195, 154, 74, 0.28), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(43, 108, 176, 0.35), transparent 60%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; opacity: 0.08;
  background-image: linear-gradient(rgba(255,255,255,.6) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.6) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: linear-gradient(180deg, #000 0%, transparent 85%);
}
.hero .wrap { position: relative; z-index: 1; padding-top: 110px; padding-bottom: 120px; }
.eyebrow {
  display: inline-block; font-size: 13px; letter-spacing: 2px; text-transform: uppercase;
  color: var(--gold); font-weight: 600; margin-bottom: 22px;
}
.hero h1 {
  font-family: var(--serif); font-weight: 500; font-size: clamp(40px, 6vw, 68px);
  line-height: 1.06; margin: 0 0 24px; max-width: 860px; letter-spacing: -0.5px;
}
.hero h1 em { font-style: italic; color: var(--gold); }
.hero p.lead { font-size: 20px; color: rgba(255,255,255,0.82); max-width: 640px; margin: 0 0 36px; }
.hero .actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero .btn { background: var(--gold); border-color: var(--gold); color: var(--navy-deep); }
.hero .btn:hover { background: #d4ad60; }
.hero .btn.ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.35); }
.hero .btn.ghost:hover { background: rgba(255,255,255,0.08); }

/* Sections */
section { padding: 96px 0; }
.section-head { max-width: 680px; margin-bottom: 52px; }
.section-head h2 {
  font-family: var(--serif); font-weight: 500; font-size: clamp(30px, 4vw, 42px);
  line-height: 1.15; margin: 0 0 14px; letter-spacing: -0.3px;
}
.section-head p { color: var(--ink-soft); margin: 0; font-size: 18px; }
.kicker { font-size: 13px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); font-weight: 700; margin-bottom: 12px; display: block; }

.grid { display: grid; gap: 22px; }
.grid.four { grid-template-columns: repeat(4, 1fr); }
.grid.two { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; transition: border-color .2s, box-shadow .2s, transform .2s;
}
.card:hover { border-color: #cfd6e2; box-shadow: 0 18px 40px -24px rgba(15, 42, 74, 0.35); transform: translateY(-2px); }
.card .icon {
  width: 46px; height: 46px; border-radius: 12px; background: var(--gold-soft); color: var(--navy);
  display: grid; place-items: center; margin-bottom: 20px;
}
.card h3 { font-size: 19px; margin: 0 0 10px; font-weight: 650; }
.card p { margin: 0; color: var(--ink-soft); font-size: 16px; }

/* Approach */
.approach { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: step; }
.step { padding: 0 26px 0 0; position: relative; }
.step .num {
  font-family: var(--serif); font-size: 44px; color: var(--gold); line-height: 1; margin-bottom: 18px; display: block;
}
.step h3 { margin: 0 0 8px; font-size: 19px; }
.step p { margin: 0; color: var(--ink-soft); font-size: 16px; }
.step:not(:last-child)::after {
  content: ""; position: absolute; top: 22px; right: 26px; left: 70px; height: 1px; background: var(--line);
}

/* Who */
.who .panel {
  display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center;
}
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.checks li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink-soft); }
.checks li svg { flex: none; margin-top: 4px; color: var(--sky); }
.quote-panel {
  background: var(--navy); color: var(--white); border-radius: 20px; padding: 44px 40px; position: relative; overflow: hidden;
}
.quote-panel::before {
  content: ""; position: absolute; width: 280px; height: 280px; right: -90px; top: -90px; border-radius: 50%;
  background: radial-gradient(circle, rgba(195,154,74,.35), transparent 70%);
}
.quote-panel p { font-family: var(--serif); font-size: 26px; line-height: 1.35; margin: 0 0 18px; position: relative; }
.quote-panel span { color: var(--gold); font-size: 14px; letter-spacing: 1.5px; text-transform: uppercase; font-weight: 600; position: relative; }

/* Contact */
.contact { background: linear-gradient(180deg, var(--paper), #f2efe7); }
.contact-box {
  background: var(--white); border: 1px solid var(--line); border-radius: 22px; padding: 56px;
  display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center;
}
.contact-box h2 { font-family: var(--serif); font-weight: 500; font-size: clamp(28px, 3.6vw, 40px); margin: 0 0 12px; line-height: 1.15; }
.contact-box p { color: var(--ink-soft); margin: 0; }
.contact-lines { display: grid; gap: 14px; }
.contact-line { display: flex; gap: 12px; align-items: center; color: var(--ink); font-weight: 500; }
.contact-line svg { color: var(--gold); flex: none; }

/* Footer */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,0.7); padding: 46px 0; font-size: 14px; }
.site-footer .wrap { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; align-items: center; }
.site-footer a { color: rgba(255,255,255,0.85); text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.site-footer nav { display: flex; gap: 22px; flex-wrap: wrap; }
.site-footer .brand-name { color: var(--white); font-size: 18px; }

/* Legal pages */
.legal-hero { background: var(--navy); color: var(--white); padding: 70px 0 60px; }
.legal-hero h1 { font-family: var(--serif); font-weight: 500; font-size: clamp(34px, 5vw, 50px); margin: 0 0 10px; }
.legal-hero p { margin: 0; color: rgba(255,255,255,0.75); }
.legal { padding: 64px 0 90px; }
.legal .doc { max-width: 780px; }
.legal h2 { font-family: var(--serif); font-weight: 500; font-size: 26px; margin: 44px 0 12px; }
.legal h3 { font-size: 18px; margin: 26px 0 8px; }
.legal p, .legal li { color: var(--ink-soft); }
.legal ul { padding-left: 22px; }
.legal li { margin-bottom: 6px; }
.callout {
  background: var(--gold-soft); border-left: 4px solid var(--gold); padding: 18px 22px; border-radius: 10px; color: var(--ink);
  font-weight: 500; margin: 24px 0;
}

/* Responsive */
@media (max-width: 960px) {
  .grid.four { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 40px; }
  .step::after { display: none; }
  .who .panel, .contact-box { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .nav a:not(.btn) { display: none; }
  .grid.four, .grid.two, .steps { grid-template-columns: 1fr; }
  section { padding: 72px 0; }
  .hero .wrap { padding-top: 80px; padding-bottom: 90px; }
  .contact-box { padding: 32px 24px; }
  .brand-name span { display: none; }
}