@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,400;8..60,500;8..60,600;8..60,700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy:#0E2338;
  --navy-2:#15304A;
  --slate:#48566A;
  --slate-light:#7A8698;
  --paper:#F4F3EF;
  --paper-2:#EAE8E1;
  --line:#D8D5CC;
  --ink:#171A1E;
  --gold:#96773C;
  --gold-light:#B9985F;
  --white:#FFFFFF;
  --radius:2px;
  --shadow:0 8px 24px rgba(14,35,56,0.08);
  --maxw:1180px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Source Serif 4',serif;
  color:var(--navy);
  line-height:1.15;
  margin:0 0 0.5em;
  font-weight:600;
}
h1{font-size:clamp(2.2rem,4vw,3.4rem);}
h2{font-size:clamp(1.7rem,3vw,2.4rem);}
h3{font-size:1.3rem;}
p{margin:0 0 1em;color:var(--slate);}
a{color:var(--navy);}
img{max-width:100%;display:block;}
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px;}
.section{padding:88px 0;}
.section-tight{padding:56px 0;}
.eyebrow{
  font-family:'Inter',sans-serif;
  text-transform:uppercase;
  letter-spacing:.14em;
  font-size:.75rem;
  font-weight:600;
  color:var(--gold);
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-bottom:14px;
}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--gold);}
.lead{font-size:1.15rem;max-width:640px;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:13px 26px;
  font-family:'Inter',sans-serif;
  font-weight:600;
  font-size:.95rem;
  text-decoration:none;
  border-radius:var(--radius);
  border:1px solid transparent;
  cursor:pointer;
  transition:all .18s ease;
}
.btn-primary{background:var(--navy);color:var(--white);}
.btn-primary:hover{background:var(--navy-2);}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent;}
.btn-outline:hover{background:var(--navy);color:var(--white);}
.btn-gold{background:var(--gold);color:var(--white);}
.btn-gold:hover{background:var(--gold-light);}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:500;
  background:rgba(244,243,239,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 28px;max-width:var(--maxw);margin:0 auto;
}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;}
.brand-logo{width:40px;height:40px;object-fit:contain;flex:none;}
.brand-text{display:flex;flex-direction:column;line-height:1.1;}
.brand-name{font-family:'Source Serif 4',serif;font-weight:700;font-size:1.15rem;color:var(--navy);letter-spacing:.01em;}
.brand-sub{font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:600;}

.main-nav{display:flex;align-items:center;gap:34px;}
.main-nav a{
  color:var(--slate);text-decoration:none;font-size:.93rem;font-weight:500;
  position:relative;padding:4px 0;
}
.main-nav a:hover,.main-nav a.active{color:var(--navy);}
.main-nav a.active::after{
  content:"";position:absolute;left:0;bottom:-4px;width:100%;height:2px;background:var(--gold);
}
.header-cta{display:flex;align-items:center;gap:18px;}
.nav-toggle{
  display:none;background:none;border:none;cursor:pointer;color:var(--navy);
  width:40px;height:40px;align-items:center;justify-content:center;
}

/* ---------- Hero ---------- */
.hero{
  padding:76px 0 40px;
  background:linear-gradient(180deg,var(--paper) 0%, var(--paper-2) 100%);
  border-bottom:1px solid var(--line);
}
.hero-grid{
  display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;
}
.hero-copy p.lead{margin-bottom:32px;}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:36px;}
.hero-stats{display:flex;gap:34px;flex-wrap:wrap;border-top:1px solid var(--line);padding-top:24px;}
.hero-stat b{display:block;font-family:'Source Serif 4',serif;font-size:1.6rem;color:var(--navy);}
.hero-stat span{font-size:.78rem;color:var(--slate-light);text-transform:uppercase;letter-spacing:.06em;}
.hero-media{position:relative;}
.hero-media img{
  width:100%;height:420px;object-fit:cover;border-radius:var(--radius);box-shadow:var(--shadow);
}
.hero-media .float-card{
  position:absolute;left:-24px;bottom:-24px;background:var(--white);
  padding:18px 20px;box-shadow:var(--shadow);border-radius:var(--radius);
  display:flex;align-items:center;gap:12px;max-width:260px;border:1px solid var(--line);
}
.hero-media .float-card i{color:var(--gold);font-size:1.6rem;flex:none;}
.hero-media .float-card b{display:block;font-size:.85rem;color:var(--navy);}
.hero-media .float-card span{font-size:.78rem;color:var(--slate-light);}

/* ---------- Ledger / cash-flow signature element ---------- */
.ledger{
  background:var(--navy);color:var(--white);border-radius:var(--radius);
  padding:40px;display:grid;grid-template-columns:1fr 1fr;gap:40px;
}
.ledger h3{color:var(--white);}
.ledger p{color:rgba(255,255,255,.68);}
.ledger-track{position:relative;height:6px;background:rgba(255,255,255,.14);border-radius:4px;margin:26px 0 10px;}
.ledger-track .fill{position:absolute;left:0;top:0;height:100%;width:12%;background:var(--gold);border-radius:4px;}
.ledger-labels{display:flex;justify-content:space-between;font-size:.78rem;color:rgba(255,255,255,.55);}
.ledger-cols{display:flex;flex-direction:column;justify-content:center;gap:22px;}
.ledger-row{display:flex;justify-content:space-between;border-bottom:1px solid rgba(255,255,255,.14);padding-bottom:14px;}
.ledger-row:last-child{border-bottom:none;}
.ledger-row span{color:rgba(255,255,255,.6);font-size:.85rem;}
.ledger-row b{font-family:'Source Serif 4',serif;font-weight:600;}

/* ---------- Cards / Grids ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:32px 28px;
}
.card i{font-size:1.9rem;color:var(--gold);margin-bottom:16px;display:block;}
.card h3{margin-bottom:10px;}
.card p{margin-bottom:0;font-size:.94rem;}

.section-head{max-width:640px;margin-bottom:48px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}

/* Process steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:step;}
.step{position:relative;padding:0 24px 0 0;border-right:1px solid var(--line);}
.step:last-child{border-right:none;}
.step .num{
  font-family:'Source Serif 4',serif;font-size:2.4rem;color:var(--line);font-weight:600;display:block;margin-bottom:10px;
}
.step h4{font-family:'Inter',sans-serif;font-weight:600;color:var(--navy);margin-bottom:8px;font-size:1rem;}
.step p{font-size:.88rem;}

/* Split section */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center;}
.split img{border-radius:var(--radius);width:100%;height:380px;object-fit:cover;box-shadow:var(--shadow);}
.check-list{list-style:none;padding:0;margin:0;}
.check-list li{display:flex;gap:12px;margin-bottom:14px;font-size:.96rem;color:var(--slate);}
.check-list i{color:var(--gold);font-size:1.15rem;flex:none;margin-top:2px;}

/* Logos strip */
.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:26px 0;}
.trust-strip .container{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;}
.trust-strip span{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--slate-light);}
.trust-icons{display:flex;gap:34px;align-items:center;color:var(--slate-light);font-size:1.5rem;}

/* CTA band */
.cta-band{background:var(--navy);color:var(--white);text-align:center;padding:70px 0;}
.cta-band h2{color:var(--white);}
.cta-band p{color:rgba(255,255,255,.7);max-width:560px;margin:0 auto 30px;}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-2);color:rgba(255,255,255,.75);padding:60px 0 0;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.12);}
.footer-brand .brand-name{color:var(--white);}
.footer-brand p{color:rgba(255,255,255,.6);font-size:.88rem;margin-top:14px;max-width:280px;}
.footer-col h4{color:var(--white);font-family:'Inter',sans-serif;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px;}
.footer-col ul{list-style:none;margin:0;padding:0;}
.footer-col li{margin-bottom:10px;}
.footer-col a{color:rgba(255,255,255,.65);text-decoration:none;font-size:.9rem;}
.footer-col a:hover{color:var(--white);}
.footer-contact li{display:flex;gap:10px;align-items:flex-start;color:rgba(255,255,255,.65);font-size:.9rem;}
.footer-contact i{color:var(--gold);flex:none;margin-top:3px;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:22px 0;font-size:.8rem;color:rgba(255,255,255,.5);flex-wrap:wrap;gap:10px;}
.footer-bottom a{color:rgba(255,255,255,.5);}
.disclaimer-bar{background:var(--paper-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0;}
.disclaimer-bar p{margin:0;font-size:.82rem;color:var(--slate-light);text-align:center;}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{padding:64px 0 48px;background:var(--paper-2);border-bottom:1px solid var(--line);}
.breadcrumb{font-size:.8rem;color:var(--slate-light);margin-bottom:14px;}
.breadcrumb a{color:var(--slate-light);text-decoration:none;}
.breadcrumb a:hover{color:var(--navy);}

/* Contact page */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:56px;align-items:start;}
.contact-info-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:32px;}
.contact-info-card li{display:flex;gap:14px;margin-bottom:22px;}
.contact-info-card i{color:var(--gold);font-size:1.4rem;flex:none;}
.contact-info-card b{display:block;color:var(--navy);font-size:.9rem;}
.contact-info-card span,.contact-info-card a{color:var(--slate);font-size:.9rem;text-decoration:none;}
.contact-info-card ul{list-style:none;padding:0;margin:0 0 24px;}
.map-frame{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);margin-top:24px;}
.map-frame iframe{width:100%;height:220px;border:0;display:block;}

.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:36px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field{margin-bottom:20px;}
.field label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:7px;}
.field input,.field select,.field textarea{
  width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:var(--radius);
  font-family:'Inter',sans-serif;font-size:.94rem;background:var(--paper);color:var(--ink);
}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold);}
.field textarea{resize:vertical;min-height:120px;}
.checkbox-field{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--slate);}
.checkbox-field input{width:auto;margin-top:3px;}
.form-note{font-size:.82rem;color:var(--slate-light);margin-top:14px;}
.form-status{margin-top:16px;font-size:.9rem;padding:12px 14px;border-radius:var(--radius);display:none;}
.form-status.success{display:block;background:#EAF3EA;color:#2E5A34;border:1px solid #BFDFC2;}
.form-status.error{display:block;background:#FBEAE8;color:#8A2E24;border:1px solid #F0C4BE;}

/* Legal pages */
.legal-content{max-width:800px;}
.legal-content h2{margin-top:44px;}
.legal-content h2:first-child{margin-top:0;}
.legal-content ul{color:var(--slate);}
.legal-content li{margin-bottom:8px;}
.legal-toc{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px 28px;margin-bottom:8px;}
.legal-toc h4{color:var(--navy);margin-bottom:12px;font-size:.9rem;text-transform:uppercase;letter-spacing:.06em;}
.legal-toc ol{margin:0;padding-left:18px;color:var(--slate);font-size:.92rem;}
.legal-toc li{margin-bottom:6px;}
.legal-toc a{color:var(--slate);text-decoration:none;}
.legal-toc a:hover{color:var(--gold);}
.updated-tag{display:inline-block;font-size:.8rem;color:var(--slate-light);background:var(--paper-2);padding:5px 12px;border-radius:20px;margin-bottom:18px;}

/* About page */
.value-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.team-note{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:32px;display:flex;gap:20px;align-items:flex-start;}
.team-note i{font-size:2rem;color:var(--gold);}

/* ---------- Cookie banner ---------- */
.cookie-banner{
  position:fixed;left:20px;right:20px;bottom:20px;max-width:640px;margin:0 auto;
  background:var(--white);border:1px solid var(--line);box-shadow:var(--shadow);
  border-radius:var(--radius);padding:22px 24px;z-index:1000;
  display:none;gap:16px;align-items:flex-start;
}
.cookie-banner.show{display:flex;}
.cookie-banner i{color:var(--gold);font-size:1.6rem;flex:none;margin-top:2px;}
.cookie-banner p{font-size:.86rem;margin:0 0 14px;}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap;}
.cookie-actions .btn{padding:9px 18px;font-size:.85rem;}

/* Back to top / misc */
.skip-link{
  position:absolute;left:-999px;top:0;background:var(--navy);color:var(--white);padding:10px 16px;z-index:2000;
}
.skip-link:focus{left:10px;top:10px;}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero-grid,.split,.contact-grid,.footer-grid{grid-template-columns:1fr;}
  .grid-3{grid-template-columns:repeat(2,1fr);}
  .steps{grid-template-columns:repeat(2,1fr);}
  .step{border-right:none;border-bottom:1px solid var(--line);padding:0 0 20px;margin-bottom:20px;}
  .ledger{grid-template-columns:1fr;}
  .value-grid{grid-template-columns:1fr;}
  .footer-grid{gap:32px;}
}
@media (max-width:760px){
  .main-nav{
    position:fixed;top:73px;left:0;right:0;bottom:0;background:var(--paper);
    flex-direction:column;align-items:flex-start;padding:28px;gap:22px;
    transform:translateX(100%);transition:transform .25s ease;overflow-y:auto;
  }
  .main-nav.open{transform:translateX(0);}
  .nav-toggle{display:flex;}
  .header-cta .btn-outline{display:none;}
  .grid-3{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .hero-media .float-card{position:static;margin-top:16px;max-width:none;}
  .hero{padding-top:40px;}
}