:root{
    --navy:#0f2742;
    --navy-light:#16395e;
    --gold:#c9a14a;
    --gold-light:#e6c878;
    --cream:#f8f6f1;
    --grey:#5b6573;
    --light-grey:#eef1f4;
    --white:#ffffff;
    --radius:14px;
    --shadow:0 10px 30px rgba(15,39,66,.08);
    --shadow-lg:0 20px 50px rgba(15,39,66,.15);
  }
  *{margin:0;padding:0;box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{font-family:'Inter',sans-serif;color:var(--navy);background:var(--white);line-height:1.6;overflow-x:hidden;}
  h1,h2,h3,h4{font-family:'Poppins',sans-serif;line-height:1.2;}
  a{text-decoration:none;color:inherit;}
  ul{list-style:none;}
  img{max-width:100%;display:block;}
  .container{max-width:1180px;margin:0 auto;padding:0 24px;}
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:8px;
    padding:15px 32px;border-radius:50px;font-weight:600;font-size:15.5px;
    cursor:pointer;border:none;transition:.25s ease;letter-spacing:.2px;
  }
  .btn-primary{background:linear-gradient(135deg,var(--gold-light),var(--gold));color:var(--navy);box-shadow:0 8px 20px rgba(201,161,74,.35);}
  .btn-primary:hover{transform:translateY(-3px);box-shadow:0 14px 28px rgba(201,161,74,.45);}
  .btn-outline{background:transparent;border:2px solid rgba(255,255,255,.5);color:#fff;}
  .btn-outline:hover{background:rgba(255,255,255,.12);}
  .btn-dark{background:var(--navy);color:#fff;}
  .btn-dark:hover{background:var(--navy-light);transform:translateY(-3px);}
  .eyebrow{
    display:inline-block;text-transform:uppercase;letter-spacing:2px;font-size:12.5px;
    font-weight:700;color:var(--gold);margin-bottom:14px;
  }
  section{padding:90px 0;}
  .section-head{text-align:center;max-width:680px;margin:0 auto 56px;}
  .section-head h2{font-size:clamp(28px,4vw,40px);margin-bottom:14px;color:var(--navy);}
  .section-head p{color:var(--grey);font-size:17px;}

  /* HEADER */
  header{
    position:fixed;top:0;left:0;width:100%;z-index:1000;
    background:rgba(15,39,66,.0);transition:.3s ease;padding:18px 0;
  }
  header.scrolled{background:rgba(15,39,66,.96);backdrop-filter:blur(10px);box-shadow:0 4px 20px rgba(0,0,0,.15);padding:12px 0;}
  nav{display:flex;align-items:center;justify-content:space-between;}
  .logo{display:flex;align-items:center;gap:10px;color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:19px;}
  .logo span{color:var(--gold-light);}
  .logo .mark{
    width:38px;height:38px;border-radius:9px;background:linear-gradient(135deg,var(--gold-light),var(--gold));
    display:flex;align-items:center;justify-content:center;color:var(--navy);font-weight:800;font-size:18px;
  }
  .nav-links{display:flex;gap:34px;align-items:center;}
  .nav-links a{color:#e8edf3;font-weight:500;font-size:15px;transition:.2s;}
  .nav-links a:hover{color:var(--gold-light);}
  .nav-cta{display:flex;gap:14px;align-items:center;}
  .nav-cta .btn{padding:11px 24px;font-size:14.5px;}
  .nav-phone{color:#fff;font-weight:600;font-size:14.5px;display:flex;align-items:center;gap:6px;}
  .burger{display:none;width:26px;height:20px;position:relative;cursor:pointer;}
  .burger span{position:absolute;left:0;width:100%;height:2px;background:#fff;border-radius:2px;}
  .burger span:nth-child(1){top:0;} .burger span:nth-child(2){top:9px;} .burger span:nth-child(3){top:18px;}

  /* HERO */
  .hero{
    position:relative;min-height:100vh;display:flex;align-items:center;
    background:linear-gradient(160deg,var(--navy) 0%,#0a1c30 100%);
    overflow:hidden;padding-top:90px;
  }
  .hero::before{
    content:"";position:absolute;top:-20%;right:-15%;width:60%;height:140%;
    background:radial-gradient(circle,rgba(201,161,74,.18),transparent 65%);
  }
  .hero::after{
    content:"";position:absolute;bottom:-30%;left:-10%;width:50%;height:100%;
    background:radial-gradient(circle,rgba(201,161,74,.08),transparent 65%);
  }
  .hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center;position:relative;z-index:2;}
  .hero h1{color:#fff;font-size:clamp(34px,5vw,54px);font-weight:800;margin-bottom:22px;letter-spacing:-.5px;}
  .hero h1 em{font-style:normal;color:var(--gold-light);}
  .hero p.lead{color:#c4cedb;font-size:18px;max-width:520px;margin-bottom:32px;}
  .hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:42px;}
  .hero-stats{display:flex;gap:34px;flex-wrap:wrap;}
  .hero-stats div{color:#fff;}
  .hero-stats strong{display:block;font-size:26px;font-family:'Poppins',sans-serif;color:var(--gold-light);}
  .hero-stats span{font-size:13px;color:#aab8c8;}
  .hero-visual{position:relative;}
  .hero-card{
    background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
    border-radius:20px;padding:30px;backdrop-filter:blur(6px);
  }
  .hero-card img{border-radius:14px;width:100%;height:300px;object-fit:cover;}
  .floating-badge{
    position:absolute;background:#fff;border-radius:14px;padding:16px 20px;box-shadow:var(--shadow-lg);
    display:flex;align-items:center;gap:12px;
  }
  .floating-badge.fee{top:-26px;left:-26px;}
  .floating-badge.rating{bottom:-26px;right:-22px;}
  .floating-badge .ico{width:42px;height:42px;border-radius:10px;background:var(--cream);display:flex;align-items:center;justify-content:center;font-size:20px;}
  .floating-badge strong{display:block;font-size:15px;color:var(--navy);font-family:'Poppins',sans-serif;}
  .floating-badge span{font-size:12px;color:var(--grey);}

  /* TRUST BAR */
  .trust-bar{background:var(--cream);padding:26px 0;}
  .trust-bar .container{display:flex;justify-content:space-around;flex-wrap:wrap;gap:20px;color:var(--grey);font-weight:600;font-size:14px;letter-spacing:.5px;text-transform:uppercase;opacity:.8;}

  /* SERVICES */
  .services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
  .service-card{
    background:var(--white);border:1px solid var(--light-grey);border-radius:var(--radius);
    padding:36px 30px;transition:.3s;box-shadow:var(--shadow);
  }
  .service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--gold-light);}
  .service-card .ico{
    width:58px;height:58px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--navy-light));
    display:flex;align-items:center;justify-content:center;font-size:26px;margin-bottom:22px;color:var(--gold-light);
  }
  .service-card h3{font-size:19.5px;margin-bottom:10px;}
  .service-card p{color:var(--grey);font-size:15px;}

  /* HOW IT WORKS */
  .how{background:var(--navy);color:#fff;position:relative;overflow:hidden;}
  .how::before{content:"";position:absolute;top:-10%;right:-10%;width:40%;height:120%;background:radial-gradient(circle,rgba(201,161,74,.15),transparent 70%);}
  .how .section-head h2, .how .section-head p{color:#fff;}
  .how .section-head p{color:#b9c4d2;}
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative;z-index:1;}
  .step{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:32px 26px;position:relative;}
  .step .num{
    width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--gold-light),var(--gold));
    color:var(--navy);font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:20px;font-family:'Poppins',sans-serif;
  }
  .step h3{font-size:17.5px;margin-bottom:8px;}
  .step p{color:#b9c4d2;font-size:14.5px;}

  /* PRICING */
  .pricing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;align-items:stretch;}
  .price-card{
    border-radius:var(--radius);padding:38px 32px;background:#fff;border:1px solid var(--light-grey);
    box-shadow:var(--shadow);display:flex;flex-direction:column;position:relative;
  }
  .price-card.featured{
    background:linear-gradient(160deg,var(--navy),#0d2238);color:#fff;transform:scale(1.04);box-shadow:var(--shadow-lg);border:none;
  }
  .price-card.featured .pname,.price-card.featured h4{color:#fff;}
  .price-card.featured .price-sub{color:#b9c4d2;}
  .badge-pop{position:absolute;top:-14px;right:32px;background:var(--gold);color:var(--navy);font-size:11.5px;font-weight:700;padding:6px 14px;border-radius:20px;text-transform:uppercase;letter-spacing:.5px;}
  .pname{font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:var(--gold);font-weight:700;margin-bottom:10px;}
  .price-card h4{font-size:38px;font-family:'Poppins',sans-serif;margin-bottom:4px;color:var(--navy);}
  .price-card h4 sup{font-size:16px;font-weight:500;}
  .price-sub{color:var(--grey);font-size:14px;margin-bottom:26px;}
  .price-card ul{margin-bottom:28px;flex-grow:1;}
  .price-card li{padding:9px 0;font-size:14.5px;display:flex;gap:10px;align-items:flex-start;border-bottom:1px dashed rgba(0,0,0,.08);}
  .price-card.featured li{border-bottom:1px dashed rgba(255,255,255,.15);}
  .price-card li:last-child{border-bottom:none;}
  .price-card li .tick{color:var(--gold);font-weight:800;}

  /* TESTIMONIALS */
  .test-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
  .test-card{background:var(--cream);border-radius:var(--radius);padding:32px 28px;}
  .stars{color:var(--gold);font-size:16px;margin-bottom:14px;letter-spacing:2px;}
  .test-card p{font-size:15px;color:var(--navy);margin-bottom:20px;}
  .test-author{display:flex;align-items:center;gap:12px;}
  .avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-light));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:'Poppins',sans-serif;}
  .test-author strong{display:block;font-size:14.5px;}
  .test-author span{font-size:12.5px;color:var(--grey);}

  /* FAQ */
  .faq-wrap{max-width:780px;margin:0 auto;}
  .faq-item{border-bottom:1px solid var(--light-grey);padding:22px 0;}
  .faq-q{display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:600;font-size:16.5px;font-family:'Poppins',sans-serif;}
  .faq-q .plus{font-size:22px;color:var(--gold);transition:.3s;}
  .faq-item.active .plus{transform:rotate(45deg);}
  .faq-a{max-height:0;overflow:hidden;transition:.3s ease;color:var(--grey);font-size:15px;}
  .faq-item.active .faq-a{max-height:200px;padding-top:14px;}

  /* CTA BAND */
  .cta-band{
    background:linear-gradient(135deg,var(--navy),#0a1c30);color:#fff;text-align:center;border-radius:24px;
    padding:64px 40px;margin:0 24px;position:relative;overflow:hidden;
  }
  .cta-band::before{content:"";position:absolute;top:-40%;left:50%;transform:translateX(-50%);width:80%;height:160%;background:radial-gradient(circle,rgba(201,161,74,.2),transparent 65%);}
  .cta-band h2{font-size:clamp(26px,4vw,38px);margin-bottom:14px;position:relative;}
  .cta-band p{color:#c4cedb;margin-bottom:30px;position:relative;}
  .cta-band .hero-actions{justify-content:center;position:relative;}

  /* CONTACT */
  .contact-wrap{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start;}
  .contact-info h2{font-size:32px;margin-bottom:16px;}
  .contact-info p{color:var(--grey);margin-bottom:28px;}
  .info-row{display:flex;gap:16px;align-items:flex-start;margin-bottom:22px;}
  .info-row .ico{width:46px;height:46px;border-radius:12px;background:var(--cream);display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;}
  .info-row strong{display:block;font-size:15px;}
  .info-row span{font-size:14px;color:var(--grey);}
  form.contact-form{background:var(--cream);border-radius:var(--radius);padding:36px;}
  .form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;}
  .contact-form input, .contact-form select, .contact-form textarea{
    width:100%;padding:13px 16px;border-radius:10px;border:1px solid #dde3e9;font-family:'Inter',sans-serif;font-size:14.5px;background:#fff;
  }
  .contact-form label{font-size:13px;font-weight:600;margin-bottom:6px;display:block;color:var(--navy);}
  .contact-form .full{margin-bottom:16px;}
  .contact-form textarea{resize:vertical;min-height:100px;}
  .contact-form button{width:100%;margin-top:6px;}

  /* FOOTER */
  footer{background:#0a1c30;color:#aab8c8;padding:60px 0 0;}
  .footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;padding-bottom:50px;}
  .footer-grid h4{color:#fff;font-size:15.5px;margin-bottom:18px;}
  .footer-grid p{font-size:14px;line-height:1.7;margin-bottom:16px;}
  .footer-grid li{margin-bottom:10px;font-size:14px;}
  .footer-grid li a:hover{color:var(--gold-light);}
  .footer-logo{display:flex;align-items:center;gap:10px;color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:18px;margin-bottom:16px;}
  .social-row{display:flex;gap:10px;margin-top:6px;}
  .social-row a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;font-size:14px;color:#fff;}
  .footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:22px 0;display:flex;justify-content:space-between;font-size:13px;flex-wrap:wrap;gap:10px;}

  .reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease, transform .7s ease;}
  .reveal.in{opacity:1;transform:translateY(0);}

  @media(max-width:980px){
    .hero-grid{grid-template-columns:1fr;}
    .hero-visual{order:-1;}
    .services-grid,.pricing-grid,.test-grid{grid-template-columns:repeat(2,1fr);}
    .steps{grid-template-columns:repeat(2,1fr);}
    .footer-grid{grid-template-columns:1fr 1fr;}
    .contact-wrap{grid-template-columns:1fr;}
  }
  @media(max-width:720px){
    .nav-links,.nav-cta .nav-phone{display:none;}
    .burger{display:block;}
    .services-grid,.pricing-grid,.test-grid,.steps{grid-template-columns:1fr;}
    .price-card.featured{transform:none;}
    .form-row{grid-template-columns:1fr;}
    section{padding:64px 0;}
    .hero{padding-top:110px;}
  }

/* LEGAL / SIMPLE PAGES */
.page-hero{
  background:linear-gradient(160deg,var(--navy) 0%,#0a1c30 100%);
  color:#fff;padding:160px 0 70px;text-align:center;
}
.page-hero h1{font-size:clamp(30px,4vw,44px);margin-bottom:12px;}
.page-hero p{color:#c4cedb;}
.legal-content{max-width:760px;margin:0 auto;padding:70px 24px;}
.legal-content h2{font-size:24px;margin:36px 0 12px;color:var(--navy);}
.legal-content h2:first-child{margin-top:0;}
.legal-content p,.legal-content li{color:var(--grey);font-size:15.5px;margin-bottom:14px;}
.legal-content ul{padding-left:20px;list-style:disc;}
.legal-content .updated{color:var(--gold);font-weight:600;font-size:13.5px;text-transform:uppercase;letter-spacing:1px;margin-bottom:30px;}