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

:root {
  --navy: #09122b;
  --navy-2: #0f1e42;
  --gold: #c9a227;
  --gold-light: #e4bc42;
  --gold-dim: rgba(201, 162, 39, 0.18);
  --gold-border: rgba(201, 162, 39, 0.3);
  --cream: #faf7f0;
  --cream-dim: rgba(250, 247, 240, 0.7);
  --cream-faint: rgba(250, 247, 240, 0.4);
  --text-dark: #0f1e42;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Syne', sans-serif;
  background: var(--cream);
  color: var(--text-dark);
  overflow-x: hidden;
}

/* ─── NAV ─── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 2rem;
  background: rgba(9, 18, 43, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gold-border);
}

.nav-logo {
  font-family: 'Fraunces', serif;
  font-weight: 700;
  font-size: 1.15rem;
  color: #fff;
  letter-spacing: -0.01em;
  text-decoration: none;
}
.nav-logo span { color: var(--gold); }

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Syne', sans-serif;
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 0.6rem 1.25rem;
  border-radius: 2px;
  transition: background 0.2s, transform 0.15s;
}
.nav-cta:hover { background: var(--gold-light); transform: translateY(-1px); }

/* ─── HERO ─── */
.hero {
  min-height: 76vh;
  display: grid;
  align-items: center;
  background: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 8rem 2rem 5rem;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 80% 30%, rgba(201, 162, 39, 0.07) 0%, transparent 70%),
    radial-gradient(ellipse 40% 60% at 10% 80%, rgba(201, 162, 39, 0.05) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201, 162, 39, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201, 162, 39, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero-inner {
  max-width: 820px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.hero-eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 1px;
  background: var(--gold);
}

.hero h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(2.2rem, 5.5vw, 4.2rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin-bottom: 1.5rem;
}

.hero-intro {
  color: var(--cream-dim);
  font-size: 1.05rem;
  font-weight: 400;
  line-height: 1.7;
  max-width: 600px;
  margin-bottom: 2.5rem;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Syne', sans-serif;
  font-weight: 800;
  font-size: 1rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 1rem 2rem;
  border-radius: 2px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 20px rgba(201, 162, 39, 0.25);
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201, 162, 39, 0.35);
}
.btn-primary svg { width: 18px; height: 18px; }

.hero-reassurance {
  color: var(--cream-faint);
  font-size: 0.82rem;
  font-weight: 400;
}

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--navy-2);
  border-top: 1px solid var(--gold-border);
  border-bottom: 1px solid var(--gold-border);
  padding: 1.5rem 2rem;
}

.trust-bar-inner {
  max-width: 1000px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1.5rem 3rem;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
}
.trust-item .icon { color: var(--gold); font-size: 1rem; line-height: 1; }

/* ─── HOW IT WORKS ─── */
.how {
  padding: 6rem 2rem;
  background: var(--cream);
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
}
.section-label::before {
  content: '';
  display: block;
  width: 20px;
  height: 1px;
  background: var(--gold);
}

.section-heading {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.9rem, 3.5vw, 2.8rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin-bottom: 1rem;
}

.section-sub {
  color: #556;
  font-size: 1rem;
  font-weight: 400;
  line-height: 1.65;
  max-width: 500px;
  margin-bottom: 3rem;
}

.how-inner { max-width: 1000px; margin: 0 auto; }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}

.step-card {
  background: #fff;
  border: 1px solid rgba(10, 22, 40, 0.08);
  padding: 2.5rem 2rem;
  position: relative;
  transition: border-color 0.25s, transform 0.2s;
}
.step-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
}

.step-number {
  font-family: 'Fraunces', serif;
  font-size: 3.5rem;
  font-weight: 700;
  color: rgba(201, 162, 39, 0.18);
  line-height: 1;
  margin-bottom: 1rem;
  letter-spacing: -0.04em;
}
.step-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.6rem;
  letter-spacing: -0.01em;
}
.step-card p {
  color: #667;
  font-size: 0.9rem;
  line-height: 1.65;
  font-weight: 400;
}

/* ─── FAQ ─── */
.faq-section {
  background: var(--navy);
  padding: 6rem 2rem;
}

.faq-inner {
  max-width: 760px;
  margin: 0 auto;
}

.faq-section .section-label { color: var(--gold); }
.faq-section .section-heading { color: #fff; margin-bottom: 2.5rem; }

.faq-item {
  border-bottom: 1px solid rgba(201, 162, 39, 0.18);
  padding: 1.75rem 0;
}
.faq-item:first-of-type { border-top: 1px solid rgba(201, 162, 39, 0.18); }

.faq-q {
  font-size: 1.05rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.85rem;
  line-height: 1.4;
  letter-spacing: -0.01em;
}

.faq-a {
  color: var(--cream-dim);
  font-size: 0.93rem;
  font-weight: 400;
  line-height: 1.7;
}

/* ─── CTA BAND ─── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, #0d1a38 100%);
  border-top: 1px solid var(--gold-border);
  border-bottom: 1px solid var(--gold-border);
  padding: 4.5rem 2rem;
  text-align: center;
}

.cta-band h2 {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: 0.75rem;
}

.cta-band p {
  color: var(--cream-dim);
  font-size: 1rem;
  margin-bottom: 2rem;
  font-weight: 400;
}

/* ─── FOOTER ─── */
footer {
  background: var(--navy);
  border-top: 1px solid rgba(201, 162, 39, 0.15);
  padding: 3rem 2rem;
}

.footer-inner {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  margin-bottom: 2rem;
}

.footer-brand {
  font-family: 'Fraunces', serif;
  font-weight: 700;
  font-size: 1.25rem;
  color: #fff;
  margin-bottom: 0.75rem;
  text-decoration: none;
  display: block;
}
.footer-brand span { color: var(--gold); }

.footer-tagline {
  color: var(--cream-faint);
  font-size: 0.85rem;
  font-weight: 400;
  line-height: 1.6;
  margin-bottom: 1.25rem;
}

.footer-contact a {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  transition: color 0.2s;
}
.footer-contact a:hover { color: var(--gold-light); }
.footer-contact a + a { margin-top: 0.5rem; }

.footer-col h4 {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer-col ul li a {
  color: var(--cream-faint);
  font-size: 0.85rem;
  font-weight: 400;
  text-decoration: none;
  transition: color 0.2s;
}
.footer-col ul li a:hover { color: var(--gold); }
.footer-col ul li { color: var(--cream-faint); font-size: 0.85rem; }

.footer-bottom {
  max-width: 1000px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-bottom p { color: rgba(255,255,255,0.25); font-size: 0.78rem; }

/* ─── MOBILE ─── */
@media (max-width: 768px) {
  nav { padding: 1rem 1.25rem; }
  .hero { padding: 6rem 1.25rem 4rem; }
  .hero h1 { font-size: 2.2rem; }
  .steps-grid { grid-template-columns: 1fr; gap: 0; }
  .step-card { border-radius: 0; border-left: 3px solid var(--gold-border); border-top: none; }
  .step-card:first-child { border-top: 1px solid rgba(10,22,40,0.08); }
  .footer-inner { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero-cta-group { flex-direction: column; align-items: flex-start; }
  .btn-primary { width: 100%; justify-content: center; }
  .trust-bar-inner { gap: 1rem 2rem; }
}