:root {
  --navy: #1B2A45;
  --navy-light: #2C3F62;
  --navy-deep: #10192B;
  --gold: #D9A441;
  --gold-light: #F0C878;
  --cream: #FBF6EC;
  --cream-tint: #F3EBDB;
  --white: #FFFFFF;
  --charcoal: #2A2420;
  --muted: #6E6355;
  --border: #E7DCC7;

  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;

  --max-width: 1160px;
  --radius: 14px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--charcoal);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--gold);
  color: var(--navy-deep);
  padding: 10px 16px;
  z-index: 1000;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
.wrap-narrow { max-width: 720px; }

.center { text-align: center; }
.light { color: var(--cream); }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 0.5em;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.4rem, 5vw, 3.6rem); line-height: 1.1; font-weight: 600; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); line-height: 1.2; }
h3 { font-size: 1.15rem; }

p { margin: 0 0 1em; color: var(--muted); }

a { color: var(--navy); text-decoration: none; }

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.9em;
}
.eyebrow.light { color: var(--gold-light); }

.section-lead {
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  font-size: 1.08rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.98rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }

.btn-primary {
  background: var(--gold);
  color: var(--navy-deep);
  box-shadow: 0 6px 18px rgba(217, 164, 65, 0.35);
}
.btn-primary:hover { background: var(--gold-light); }

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-ghost:hover { background: var(--navy); color: var(--cream); }

.btn-small { padding: 10px 20px; font-size: 0.9rem; }
.btn-full { width: 100%; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--cream);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--navy);
}
.logo-mark {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.2rem;
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-sub {
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.62rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
}

.main-nav { display: flex; gap: 32px; }
.main-nav a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--charcoal);
}
.main-nav a:hover { color: var(--gold); }

.header-actions { display: flex; align-items: center; gap: 16px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  background: none;
  border: none;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
}

/* Hero */
.hero { padding: 88px 0 64px; }
.hero-inner { max-width: 760px; }
.hero-sub { font-size: 1.15rem; max-width: 620px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin: 32px 0 16px; }
.hero-note { font-size: 0.88rem; color: var(--muted); }

.stat-row {
  margin-top: 56px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  border-top: 1px solid var(--border);
  padding-top: 40px;
}
.stat { display: flex; flex-direction: column; gap: 6px; }
.stat-num {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 600;
  color: var(--navy);
}
.stat-label { font-size: 0.92rem; color: var(--muted); }
.stat-label em { font-style: normal; opacity: 0.75; }

/* Sections */
.section { padding: 88px 0; }
.section-tint { background: var(--cream-tint); }
.section-navy { background: var(--navy); }
.section-navy p { color: rgba(251, 246, 236, 0.78); }

.section h2 { margin-bottom: 0.4em; }
.section > .wrap > h2,
.section > .wrap > .eyebrow { text-align: center; }

/* Reality cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.reality-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}
.reality-card h3 { font-size: 1.05rem; margin-bottom: 0.5em; }
.reality-card p { font-size: 0.94rem; margin-bottom: 0; }

.pull-quote {
  text-align: center;
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--navy);
  max-width: 620px;
  margin: 56px auto 0;
  font-style: italic;
}

/* Help grid */
.help-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.help-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px 24px;
  border: 1px solid var(--border);
}
.help-num {
  font-family: var(--font-display);
  color: var(--gold);
  font-size: 1.4rem;
  font-weight: 600;
}
.help-card h3 { margin-top: 10px; font-size: 1.05rem; }
.help-card p { font-size: 0.93rem; margin-bottom: 0; }

/* Timeline */
.timeline {
  list-style: none;
  margin: 56px 0 0;
  padding: 0;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}
.timeline li {
  display: flex;
  gap: 24px;
  padding-bottom: 40px;
  position: relative;
}
.timeline li:not(:last-child)::before {
  content: "";
  position: absolute;
  left: 23px;
  top: 52px;
  bottom: 0;
  width: 2px;
  background: var(--border);
}
.timeline-step {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 600;
}
.timeline h3 { margin-bottom: 0.3em; }
.timeline p { margin-bottom: 0; }

/* Why grid */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.why-card {
  background: rgba(251, 246, 236, 0.06);
  border: 1px solid rgba(251, 246, 236, 0.15);
  border-radius: var(--radius);
  padding: 30px;
}
.why-num {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--gold-light);
  margin-bottom: 12px;
}
.why-card h3 { color: var(--cream); font-size: 1.05rem; }
.why-card p { margin-bottom: 0; }

/* About */
.about-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: start;
}
.about-copy h2 { margin-bottom: 0.6em; }
.signature {
  font-family: var(--font-display);
  color: var(--navy);
  font-size: 1.05rem;
  margin-top: 24px;
}
.about-points { display: flex; flex-direction: column; gap: 24px; }
.about-point {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 24px;
}
.about-point h3 { font-size: 1rem; margin-bottom: 0.4em; }
.about-point p { font-size: 0.93rem; margin-bottom: 0; }

/* FAQ */
.faq-list { margin-top: 40px; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  cursor: pointer;
  padding: 20px 24px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.faq-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  position: relative;
}
.faq-icon::before, .faq-icon::after {
  content: "";
  position: absolute;
  background: var(--gold);
  border-radius: 2px;
  transition: transform 0.2s ease;
}
.faq-icon::before { width: 100%; height: 2px; top: 9px; left: 0; }
.faq-icon::after { width: 2px; height: 100%; top: 0; left: 9px; }
.faq-question[aria-expanded="true"] .faq-icon::after { transform: rotate(90deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
  padding: 0 24px;
}
.faq-answer p { padding-bottom: 20px; margin-bottom: 0; font-size: 0.95rem; }
.faq-item.open .faq-answer { max-height: 300px; }

/* Contact / CTA */
.section-cta { padding-bottom: 100px; }
.contact-form {
  margin-top: 40px;
  text-align: left;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.hidden-field { position: absolute; left: -9999px; }
.form-row { display: flex; flex-direction: column; gap: 6px; }
.form-row label { font-size: 0.88rem; font-weight: 600; color: var(--navy); }
.form-row input, .form-row textarea {
  font-family: var(--font-body);
  font-size: 0.98rem;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--cream);
  color: var(--charcoal);
  resize: vertical;
}
.form-row input:focus, .form-row textarea:focus {
  outline: none;
  border-color: var(--gold);
}

/* Footer */
.site-footer { background: var(--navy-deep); color: rgba(251, 246, 236, 0.7); padding-top: 64px; }
.footer-inner {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(251, 246, 236, 0.12);
}
.footer-brand .logo { color: var(--cream); }
.footer-brand .logo-mark { background: var(--gold); color: var(--navy-deep); }
.footer-brand p { margin-top: 12px; font-size: 0.9rem; }
.footer-col h4 {
  color: var(--cream);
  font-family: var(--font-body);
  font-size: 0.82rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { color: rgba(251, 246, 236, 0.72); font-size: 0.94rem; }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom { padding: 24px; font-size: 0.85rem; text-align: center; }

/* Responsive */
@media (max-width: 900px) {
  .main-nav { display: none; }
  .nav-toggle { display: flex; }
  .card-grid, .help-grid, .why-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }

  .main-nav.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--cream);
    border-bottom: 1px solid var(--border);
    flex-direction: column;
    padding: 8px 24px 20px;
    gap: 4px;
  }
  .main-nav.open a { padding: 10px 0; }
}

@media (max-width: 640px) {
  .hero { padding: 56px 0 40px; }
  .stat-row { grid-template-columns: 1fr; gap: 28px; }
  .card-grid, .help-grid, .why-grid { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .footer-inner { grid-template-columns: 1fr; }
}