:root {
  --navy: #1B2A3B;
  --offwhite: #F5F5F3;
  --gold: #F5A623;
  --green: #4CAF6E;
  --blue: #4A90E2;
  --white: #FFFFFF;
  --border: rgba(27, 42, 59, 0.1);
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--navy);
  background: var(--offwhite);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== NAV ===== */
.nav {
  background: var(--navy);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  max-width: 1200px;
  margin: 0 auto;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--white);
}

.nav-logo:hover { opacity: 0.92; }

.nav-logo-word {
  font-family: 'Playfair Display', 'Cambria', 'Hoefler Text', Georgia, serif;
  font-weight: 800;
  font-size: 24px;
  letter-spacing: -0.3px;
  line-height: 1;
  white-space: nowrap;
}

.nav-logo-mark {
  width: 26px;
  height: 26px;
  flex-shrink: 0;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  color: var(--white);
  text-decoration: none;
  font-size: 15px;
  font-weight: 500;
  letter-spacing: 0.2px;
  transition: opacity 0.15s ease;
}

.nav-links a:hover {
  opacity: 0.7;
}

.nav-links a.active {
  color: var(--gold);
}

.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 10px 20px;
  border-radius: 4px;
  font-weight: 700 !important;
}

.nav-cta:hover {
  opacity: 1 !important;
  background: #ffb938;
}

.nav-toggle {
  display: none;
  background: transparent;
  border: 0;
  color: var(--white);
  font-size: 24px;
  cursor: pointer;
  padding: 4px 8px;
}

/* ===== HERO ===== */
.hero {
  background: var(--navy);
  color: var(--white);
  padding: 100px 0 120px;
  position: relative;
}

.hero h1 {
  font-size: 56px;
  line-height: 1.1;
  font-weight: 800;
  letter-spacing: -1px;
  max-width: 900px;
  margin-bottom: 24px;
}

.hero p.lede {
  font-size: 20px;
  line-height: 1.5;
  max-width: 680px;
  margin-bottom: 40px;
  color: rgba(255, 255, 255, 0.8);
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-block;
  padding: 16px 32px;
  font-size: 16px;
  font-weight: 700;
  text-decoration: none;
  border-radius: 4px;
  border: 0;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.1s ease;
  letter-spacing: 0.3px;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
}

.btn-primary:hover {
  background: #ffb938;
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.3);
}

.btn-secondary:hover {
  border-color: var(--white);
}

/* ===== SECTIONS ===== */
.section {
  padding: 96px 0;
}

.section-dark {
  background: var(--navy);
  color: var(--white);
}

.section-accent {
  background: var(--green);
  color: var(--white);
}

.section h2 {
  font-size: 40px;
  line-height: 1.15;
  font-weight: 800;
  letter-spacing: -0.5px;
  margin-bottom: 20px;
}

.section .eyebrow {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.section p.lede {
  font-size: 18px;
  line-height: 1.6;
  max-width: 720px;
  margin-bottom: 48px;
  opacity: 0.85;
}

/* ===== FEATURE GRID ===== */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

.feature {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 36px 32px;
  border-radius: 6px;
}

.section-dark .feature {
  background: rgba(255, 255, 255, 0.04);
  border-color: rgba(255, 255, 255, 0.08);
  color: var(--white);
}

.feature h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 12px;
}

.feature .num {
  display: inline-block;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 2px;
  color: var(--gold);
  margin-bottom: 14px;
}

.feature p {
  font-size: 15px;
  line-height: 1.6;
  opacity: 0.85;
}

/* ===== VERTICAL TAGS ===== */
.tag {
  display: inline-block;
  padding: 5px 12px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--white);
}

.tag-insurance { background: var(--blue); }
.tag-loans { background: var(--gold); color: var(--navy); }
.tag-other { background: var(--green); }

/* ===== VERTICAL CARDS ===== */
.vertical-group {
  margin-bottom: 64px;
}

.vertical-group:last-child {
  margin-bottom: 0;
}

.vertical-group-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 32px;
}

.vertical-group-header h2 {
  font-size: 32px;
  margin: 0;
}

.vertical-card {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 32px;
  border-radius: 6px;
  border-left: 4px solid var(--navy);
}

.vertical-card.insurance { border-left-color: var(--blue); }
.vertical-card.loans { border-left-color: var(--gold); }

.vertical-card h3 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 12px;
}

.vertical-card p {
  font-size: 15px;
  line-height: 1.6;
  color: rgba(27, 42, 59, 0.75);
  margin-bottom: 16px;
}

.vertical-card ul {
  list-style: none;
  padding: 0;
}

.vertical-card li {
  font-size: 14px;
  padding: 6px 0;
  padding-left: 20px;
  position: relative;
  color: rgba(27, 42, 59, 0.8);
}

.vertical-card li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

/* ===== STEPS ===== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.step {
  position: relative;
  padding: 32px 24px;
  background: var(--white);
  border-radius: 6px;
  border: 1px solid var(--border);
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-weight: 800;
  font-size: 18px;
  margin-bottom: 20px;
}

.step h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
}

.step p {
  font-size: 14px;
  line-height: 1.6;
  color: rgba(27, 42, 59, 0.75);
}

/* ===== STATS BAR ===== */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}

.stat-num {
  font-size: 48px;
  font-weight: 800;
  color: var(--gold);
  letter-spacing: -1px;
  display: block;
  line-height: 1;
}

.stat-label {
  font-size: 14px;
  font-weight: 500;
  margin-top: 10px;
  opacity: 0.85;
  letter-spacing: 0.3px;
}

/* ===== CTA STRIP ===== */
.cta-strip {
  background: var(--navy);
  color: var(--white);
  padding: 72px 0;
  text-align: center;
}

.cta-strip h2 {
  font-size: 36px;
  margin-bottom: 16px;
  font-weight: 800;
}

.cta-strip p {
  font-size: 17px;
  margin-bottom: 32px;
  opacity: 0.85;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

/* ===== PAGE HEADER (non-home) ===== */
.page-header {
  background: var(--navy);
  color: var(--white);
  padding: 80px 0 72px;
}

.page-header .eyebrow {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: block;
}

.page-header h1 {
  font-size: 48px;
  font-weight: 800;
  letter-spacing: -1px;
  margin-bottom: 16px;
  line-height: 1.1;
}

.page-header p {
  font-size: 19px;
  line-height: 1.5;
  max-width: 700px;
  opacity: 0.85;
}

/* ===== FORM ===== */
.form-wrap {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 64px;
  align-items: start;
}

.form {
  background: var(--white);
  padding: 40px;
  border-radius: 6px;
  border: 1px solid var(--border);
}

.form-row {
  margin-bottom: 20px;
}

.form-row.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
  color: var(--navy);
}

.form input,
.form select,
.form textarea {
  width: 100%;
  padding: 14px 16px;
  font-size: 15px;
  border: 1px solid var(--border);
  border-radius: 4px;
  background: var(--white);
  color: var(--navy);
  font-family: inherit;
  transition: border-color 0.15s ease;
}

.form input:focus,
.form select:focus,
.form textarea:focus {
  outline: 0;
  border-color: var(--gold);
}

.form button {
  width: 100%;
  margin-top: 8px;
}

.contact-side h3 {
  font-size: 24px;
  margin-bottom: 16px;
  font-weight: 700;
}

.contact-side p {
  font-size: 16px;
  line-height: 1.6;
  margin-bottom: 24px;
  opacity: 0.85;
}

.contact-side .info-block {
  margin-bottom: 24px;
}

.contact-side .info-label {
  font-size: 12px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 6px;
}

.contact-side .info-value {
  font-size: 17px;
  font-weight: 500;
}

/* ===== FOOTER ===== */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.7);
  padding: 40px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.footer p {
  font-size: 14px;
}

.footer a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  font-size: 14px;
}

.footer a:hover {
  color: var(--gold);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .grid-3,
  .steps,
  .stats {
    grid-template-columns: repeat(2, 1fr);
  }

  .form-wrap {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero h1 { font-size: 40px; }
  .page-header h1 { font-size: 36px; }
  .section h2 { font-size: 32px; }
  .section { padding: 72px 0; }
}

@media (max-width: 640px) {
  .nav-logo-word { font-size: 19px; }
  .nav-logo-mark { width: 22px; height: 22px; }
  .nav-logo { gap: 8px; }

  .nav-toggle {
    display: block;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 74px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    align-items: stretch;
    padding: 16px 24px 24px;
    gap: 4px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    z-index: 10;
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links li {
    width: 100%;
  }

  .nav-links a {
    display: block;
    padding: 12px 0;
    font-size: 16px;
  }

  .nav-cta {
    text-align: center;
    margin-top: 8px;
  }

  .grid-3,
  .grid-2,
  .steps,
  .stats {
    grid-template-columns: 1fr;
  }

  .hero {
    padding: 64px 0 80px;
  }

  .hero h1 { font-size: 32px; }
  .hero p.lede { font-size: 17px; }
  .page-header h1 { font-size: 30px; }
  .page-header { padding: 56px 0 48px; }
  .section h2 { font-size: 26px; }
  .section { padding: 56px 0; }

  .form { padding: 28px 22px; }
  .form-row.two-col { grid-template-columns: 1fr; }

  .footer-inner {
    flex-direction: column;
    text-align: center;
  }

  .stat-num { font-size: 38px; }
  .vertical-group-header { flex-wrap: wrap; }
  .vertical-group-header h2 { font-size: 26px; }
}