/* ===== Base ===== */
:root {
  --navy: #0e2438;
  --navy-2: #163452;
  --ink: #1b2733;
  --muted: #5b6875;
  --line: #e3e7ec;
  --cream: #f7f5f0;
  --white: #ffffff;
  --green: #1d8f5f;
  --green-dark: #146b47;
  --gold: #d9a441;
  --red: #c94a3d;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(14, 36, 56, 0.10);
  --max: 1180px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Plus Jakarta Sans", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 17px;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: "Fraunces", Georgia, serif; line-height: 1.15; color: var(--navy); font-weight: 700; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.6vw, 2.6rem); }
h3 { font-size: 1.25rem; }
p + p { margin-top: 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 90px 0; }
.section-cream { background: var(--cream); }
.section-navy { background: var(--navy); color: #dbe4ee; }
.section-navy h2, .section-navy h3 { color: var(--white); }
.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--green); margin-bottom: 12px;
}
.section-navy .eyebrow { color: var(--gold); }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 640px; }
.section-head { text-align: center; margin-bottom: 54px; }
.section-head .lead { margin: 14px auto 0; }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 15px 28px; border-radius: 999px; font-weight: 700; font-size: 1rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: transform .15s ease, background .15s ease, box-shadow .15s ease;
  font-family: inherit;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--green); color: var(--white); box-shadow: 0 8px 20px rgba(29, 143, 95, .3); }
.btn-primary:hover { background: var(--green-dark); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-light { background: var(--white); color: var(--navy); }
.btn-ghost { border-color: rgba(255,255,255,.6); color: var(--white); }
.btn-ghost:hover { background: rgba(255,255,255,.12); }
.btn-block { width: 100%; }

/* ===== Header ===== */
.topbar { background: var(--navy); color: #c9d6e3; font-size: .88rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; padding-top: 8px; padding-bottom: 8px; gap: 12px; }
.topbar a { text-decoration: none; color: var(--white); font-weight: 600; }
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96);
  backdrop-filter: blur(8px); border-bottom: 1px solid var(--line);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; color: var(--navy); font-size: 1.15rem; }
.logo-mark {
  width: 40px; height: 40px; border-radius: 10px; background: var(--navy);
  display: grid; place-items: center; color: var(--gold);
}
.nav { display: flex; align-items: center; gap: 30px; }
.nav a { text-decoration: none; font-weight: 600; color: var(--ink); font-size: .97rem; }
.nav a:hover, .nav a.active { color: var(--green); }
.nav .btn { padding: 11px 22px; color: var(--white); }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; }

/* ===== Hero ===== */
.hero {
  position: relative; color: var(--white); padding: 110px 0 120px;
  background: linear-gradient(100deg, rgba(14,36,56,.92) 0%, rgba(14,36,56,.75) 45%, rgba(14,36,56,.25) 100%),
    var(--hero-img) center/cover no-repeat;
}
.hero h1 { color: var(--white); max-width: 680px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero .lead { color: #d6e0ea; margin-top: 18px; }
.hero-grid { display: grid; grid-template-columns: 1.2fr .9fr; gap: 50px; align-items: center; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 28px; }
.hero-badges span { display: flex; align-items: center; gap: 8px; font-weight: 600; font-size: .95rem; }
.hero-badges svg { color: var(--gold); flex-shrink: 0; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero-small { padding: 80px 0 90px; }

.quick-card {
  background: var(--white); color: var(--ink); border-radius: 18px; padding: 32px;
  box-shadow: 0 25px 60px rgba(0,0,0,.25);
}
.quick-card h3 { margin-bottom: 6px; }
.quick-card p { color: var(--muted); font-size: .95rem; margin-bottom: 18px; }

/* ===== Trust strip ===== */
.trust-strip { background: var(--white); border-bottom: 1px solid var(--line); }
.trust-strip .container { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item { display: flex; align-items: center; gap: 14px; padding: 26px 18px; }
.trust-item + .trust-item { border-left: 1px solid var(--line); }
.trust-icon { width: 46px; height: 46px; border-radius: 12px; background: #e8f4ee; color: var(--green); display: grid; place-items: center; flex-shrink: 0; }
.trust-item strong { display: block; color: var(--navy); }
.trust-item small { color: var(--muted); font-size: .85rem; }

/* ===== Cards & grids ===== */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); }
.card h3 { margin: 14px 0 8px; }
.card p { color: var(--muted); font-size: .97rem; }
.icon-badge { width: 52px; height: 52px; border-radius: 14px; background: var(--navy); color: var(--gold); display: grid; place-items: center; }

/* Situations */
.situation { display: flex; gap: 16px; align-items: flex-start; padding: 24px; }
.situation h3 { margin: 0 0 4px; font-size: 1.1rem; }

/* ===== Comparison ===== */
.compare { display: grid; grid-template-columns: 1fr 1fr; border-radius: 18px; overflow: hidden; box-shadow: var(--shadow); }
.compare-col { padding: 40px; }
.compare-col h3 { font-size: 1.6rem; margin-bottom: 22px; }
.compare-ours { background: var(--navy); color: #e6edf4; }
.compare-ours h3 { color: var(--white); }
.compare-theirs { background: var(--white); border: 1px solid var(--line); }
.compare-col ul { list-style: none; display: grid; gap: 14px; }
.compare-col li { display: flex; gap: 12px; align-items: flex-start; }
.compare-col li svg { flex-shrink: 0; margin-top: 3px; }
.yes { color: #3fd08f; }
.no { color: var(--red); }

/* ===== Steps (How it works) ===== */
.step { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.step + .step { margin-top: 80px; }
.step:nth-child(even) .step-img { order: 2; }
.step-img { position: relative; }
.step-img img { border-radius: 18px; aspect-ratio: 4/3; object-fit: cover; width: 100%; box-shadow: var(--shadow); }
.step-num {
  position: absolute; top: -18px; left: -18px; width: 64px; height: 64px; border-radius: 50%;
  background: var(--gold); color: var(--navy); font-family: "Fraunces", serif; font-weight: 700;
  font-size: 1.7rem; display: grid; place-items: center; box-shadow: var(--shadow);
}
.step h3 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 14px; }
.step p { color: var(--muted); font-size: 1.05rem; }

/* ===== Audience split ===== */
.audience { position: relative; border-radius: 20px; overflow: hidden; min-height: 400px; display: flex; align-items: flex-end; color: var(--white); text-decoration: none; }
.audience img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.audience:hover img { transform: scale(1.05); }
.audience::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(14,36,56,.95) 10%, rgba(14,36,56,.2) 70%); }
.audience-body { position: relative; z-index: 1; padding: 36px; }
.audience-body h3 { color: var(--white); font-size: 1.9rem; margin: 6px 0 10px; }
.audience-body p { color: #d6e0ea; margin-bottom: 20px; }

/* ===== Split with image ===== */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split img { border-radius: 18px; box-shadow: var(--shadow); aspect-ratio: 5/4; object-fit: cover; width: 100%; }
.check-list { list-style: none; display: grid; gap: 12px; margin-top: 22px; }
.check-list li { display: flex; gap: 12px; }
.check-list svg { color: var(--green); flex-shrink: 0; margin-top: 4px; }

/* ===== Deals ===== */
.deal { background: var(--white); border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow); }
.deal-img { position: relative; }
.deal-img img { aspect-ratio: 3/2; object-fit: cover; width: 100%; }
.tag { position: absolute; top: 14px; left: 14px; background: var(--gold); color: var(--navy); font-weight: 700; font-size: .78rem; padding: 5px 12px; border-radius: 999px; text-transform: uppercase; letter-spacing: .06em; }
.deal-body { padding: 22px; }
.deal-body h3 { font-size: 1.15rem; margin-bottom: 4px; }
.deal-meta { color: var(--muted); font-size: .9rem; }
.deal-figures { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--line); }
.deal-figures small { display: block; color: var(--muted); font-size: .75rem; text-transform: uppercase; letter-spacing: .05em; }
.deal-figures strong { color: var(--navy); }
.note { font-size: .85rem; color: var(--muted); text-align: center; margin-top: 22px; }

/* ===== FAQ ===== */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; }
.faq summary { cursor: pointer; padding: 20px 24px; font-weight: 700; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--green); }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding: 0 24px 22px; color: var(--muted); }

/* ===== CTA band ===== */
.cta-band {
  position: relative; border-radius: 22px; overflow: hidden; padding: 64px 56px; color: var(--white);
  background: linear-gradient(110deg, var(--navy) 30%, rgba(14,36,56,.7)), var(--cta-img) center/cover;
  display: flex; justify-content: space-between; align-items: center; gap: 30px; flex-wrap: wrap;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: #d6e0ea; margin-top: 8px; font-size: 1.1rem; }

/* ===== Forms ===== */
.form-card { background: var(--white); border-radius: 18px; padding: 40px; box-shadow: var(--shadow); border: 1px solid var(--line); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.form-grid .full { grid-column: 1 / -1; }
label { display: block; font-weight: 600; font-size: .9rem; color: var(--navy); margin-bottom: 6px; }
label .req { color: var(--red); }
input, select, textarea {
  width: 100%; padding: 13px 14px; border: 1.5px solid #d3dae2; border-radius: 10px;
  font: inherit; font-size: .98rem; color: var(--ink); background: var(--white);
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 4px rgba(29,143,95,.12); }
textarea { min-height: 110px; resize: vertical; }
fieldset { border: 0; }
legend { font-family: "Fraunces", serif; font-size: 1.2rem; color: var(--navy); font-weight: 700; margin-bottom: 14px; }
fieldset + fieldset { margin-top: 30px; padding-top: 26px; border-top: 1px solid var(--line); }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .82rem; color: var(--muted); font-weight: 400; margin-top: 14px; line-height: 1.5; }
.consent input { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; accent-color: var(--green); }
.consent a { color: var(--navy); }
.form-legal { font-size: .8rem; color: var(--muted); text-align: center; margin-top: 14px; }
.form-legal a { color: var(--navy); }
.form-msg { display: none; margin-top: 16px; padding: 16px; border-radius: 10px; font-weight: 600; }
.form-msg.ok { display: block; background: #e8f4ee; color: var(--green-dark); }
.form-msg.warn { display: block; background: #fdf3e1; color: #8a5a00; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chips label { display: flex; align-items: center; gap: 8px; border: 1.5px solid #d3dae2; border-radius: 999px; padding: 8px 16px; font-weight: 500; cursor: pointer; margin: 0; }
.chips input { width: auto; accent-color: var(--green); }

.side-panel { display: grid; gap: 22px; align-content: start; }
.side-panel .card { padding: 26px; }
.mini-steps { list-style: none; counter-reset: s; display: grid; gap: 16px; margin-top: 14px; }
.mini-steps li { counter-increment: s; display: grid; grid-template-columns: 34px 1fr; gap: 12px; color: var(--muted); font-size: .95rem; }
.mini-steps li::before { content: counter(s); width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-weight: 700; }
.mini-steps strong { color: var(--navy); display: block; }
.layout-form { display: grid; grid-template-columns: 1.6fr 1fr; gap: 36px; align-items: start; }

/* ===== Disclosure ===== */
.disclosure { background: #fff8e9; border: 1px solid #f0dcb0; border-radius: 12px; padding: 18px 22px; font-size: .9rem; color: #6b5420; }
.disclosure strong { color: #4f3d12; }

/* ===== Legal pages ===== */
.legal { max-width: 820px; margin: 0 auto; }
.legal h2 { font-size: 1.4rem; margin: 36px 0 10px; }
.legal p, .legal li { color: #3b4753; }
.legal ul { padding-left: 22px; margin-top: 8px; }
.legal li + li { margin-top: 6px; }

/* ===== Footer ===== */
.site-footer { background: #0a1b2b; color: #a9b8c7; padding: 70px 0 30px; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.site-footer h4 { color: var(--white); font-size: 1rem; margin-bottom: 16px; }
.site-footer ul { list-style: none; display: grid; gap: 10px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: var(--white); }
.site-footer .logo { color: var(--white); margin-bottom: 14px; }
.footer-contact li { display: flex; gap: 10px; align-items: center; }
.footer-contact svg { color: var(--gold); flex-shrink: 0; }
.footer-bottom { border-top: 1px solid #1f3348; margin-top: 50px; padding-top: 24px; font-size: .82rem; }
.footer-bottom p + p { margin-top: 10px; }

/* ===== Reveal animation ===== */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* ===== Responsive ===== */
@media (max-width: 980px) {
  .hero-grid, .split, .step, .layout-form, .grid-2, .compare { grid-template-columns: 1fr; }
  .step:nth-child(even) .step-img { order: 0; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .trust-strip .container { grid-template-columns: 1fr 1fr; }
  .trust-item:nth-child(3) { border-left: 0; }
  .trust-item:nth-child(n+3) { border-top: 1px solid var(--line); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav {
    position: fixed; inset: 76px 0 auto 0; background: var(--white); flex-direction: column;
    align-items: stretch; gap: 0; padding: 10px 20px 24px; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow); display: none;
  }
  .nav.open { display: flex; }
  .nav a { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav .btn { margin-top: 16px; border-bottom: 0; }
  .nav-toggle { display: block; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .section { padding: 64px 0; }
  .container { padding: 0 16px; }
  .grid-3, .form-grid, .footer-grid, .trust-strip .container { grid-template-columns: 1fr; }
  .trust-item + .trust-item { border-left: 0; border-top: 1px solid var(--line); }
  .hero { padding: 70px 0 80px; }
  .form-card, .compare-col { padding: 26px 20px; }
  .cta-band { padding: 40px 24px; }
  .topbar .hide-sm { display: none; }
  .step-num { left: 10px; top: -14px; width: 52px; height: 52px; font-size: 1.4rem; }
  .deal-figures { grid-template-columns: 1fr 1fr 1fr; }
}

/* ===== Consent block & policy links under forms ===== */
.consent-block { margin-top: 24px; padding-top: 18px; border-top: 1px solid var(--line); }
.consent-block .consent:first-child { margin-top: 0; }
.quick-card .consent-block { margin-top: 4px; padding-top: 12px; }
.quick-card .consent { font-size: .74rem; margin-top: 10px; }
.form-links { text-align: center; margin-top: 16px; font-size: .9rem; color: var(--muted); }
.form-links a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; margin: 0 6px; }
.form-links a:hover { color: var(--green); }