:root{
  --navy:#14213d;--navy-2:#1f3160;--gold:#c9a24a;--ink:#1d2433;--muted:#5b6475;
  --bg:#ffffff;--soft:#f5f6f8;--line:#e3e6eb;--radius:10px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
a{color:var(--navy-2)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* header */
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10}
header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px;flex-wrap:wrap}
.brand{color:#fff;text-decoration:none;font-weight:700;font-size:1.15rem;letter-spacing:.3px}
.brand span{color:var(--gold)}
nav a{color:#dfe4ee;text-decoration:none;margin-left:22px;font-size:.95rem}
nav a:hover{color:#fff}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:88px 0 96px}
.hero h1{font-size:clamp(2rem,4.5vw,3rem);line-height:1.15;margin:0 0 16px;max-width:760px}
.hero p{font-size:1.15rem;color:#d5dbe7;max-width:620px;margin:0 0 28px}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:14px 26px;border-radius:var(--radius);text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{filter:brightness(1.05)}

/* sections */
section{padding:72px 0}
section.alt{background:var(--soft)}
h2{font-size:1.9rem;margin:0 0 10px;color:var(--navy)}
.lead{color:var(--muted);max-width:640px;margin:0 0 36px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card h3{margin:0 0 8px;color:var(--navy);font-size:1.15rem}
.card p{margin:0;color:var(--muted)}
.icon{width:42px;height:42px;border-radius:8px;background:rgba(201,162,74,.15);color:var(--gold);display:grid;place-items:center;font-weight:800;margin-bottom:14px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:40px}
@media (max-width:820px){.contact-grid{grid-template-columns:1fr}}
.info p{margin:0 0 14px}
.info strong{display:block;color:var(--navy)}
form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px}
.opt{font-weight:400;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],textarea{width:100%;padding:12px 14px;border:1px solid #cfd4dc;border-radius:8px;font:inherit;margin-bottom:18px;background:#fff}
input:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
textarea{min-height:120px;resize:vertical}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:560px){.row{grid-template-columns:1fr}}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--soft);border:1px solid var(--line);border-radius:8px;padding:14px;margin-bottom:20px}
.consent input{margin-top:5px;flex-shrink:0;width:18px;height:18px}
.consent label{font-weight:400;font-size:.86rem;color:#3a4252;margin:0;line-height:1.5}
/* SMS opt-in disclaimer shown directly under the phone field (no checkbox) */
input[type=tel]#phone{margin-bottom:8px}
.consent-text{background:var(--soft);border:1px solid var(--line);border-radius:8px;padding:12px 14px;margin:0 0 18px;font-size:.86rem;color:#3a4252;line-height:1.5}
.hidden{display:none}
.fine{font-size:.8rem;color:var(--muted);margin-top:14px}

/* legal pages */
.legal{padding:56px 0 72px}
.legal .wrap{max-width:820px}
.legal h1{color:var(--navy);font-size:2.1rem;margin:0 0 6px}
.legal h2{font-size:1.3rem;margin:34px 0 8px}
.legal .updated{color:var(--muted);margin:0 0 28px}
.callout{background:#fff8e6;border-left:4px solid var(--gold);padding:14px 18px;border-radius:6px;font-weight:600}

/* footer */
footer{background:var(--navy);color:#b9c2d3;padding:36px 0;font-size:.9rem}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px}
footer a{color:#dfe4ee;margin-right:18px}