:root {
  --navy: #16323f;
  --teal: #1f7a72;
  --teal-dark: #0c3b3b;
  --teal-deep: #0a2f2f;
  --gold: #d9a832;
  --gold-dark: #c39325;
  --ink: #24333c;
  --muted: #5b6b74;
  --bg-light: #eef3f5;
  --white: #ffffff;
  --sans: "Inter", -apple-system, "Segoe UI", Arial, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 92px; }
body { font-family: var(--sans); color: var(--ink); background: var(--white); font-size: 16px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; gap: 10px; padding: 15px 30px; font-family: var(--sans); font-size: 16px; font-weight: 700; border-radius: 10px; transition: all .2s ease; cursor: pointer; border: 1.5px solid transparent; }
.btn-gold { background: linear-gradient(180deg, #ecd9a8, #ddc281); color: var(--navy); box-shadow: 0 3px 10px rgba(180,150,80,.3); }
.btn-gold:hover { filter: brightness(1.05); transform: translateY(-1px); }
.btn-outline { background: var(--white); color: var(--navy); border-color: #c8d4d9; }
.btn-outline:hover { border-color: var(--teal); color: var(--teal); }
.btn-icon { width: 18px; height: 18px; }

/* ---------- Section titles ---------- */
.section-title { text-align: center; font-size: clamp(24px, 3vw, 32px); font-weight: 800; color: var(--navy); }
.section-title::after { content: ""; display: block; width: 56px; height: 3px; background: var(--teal); margin: 16px auto 0; border-radius: 2px; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 100; background: #f7f0e0; border-bottom: 1px solid #eadfc6; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 84px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand-shield { width: 44px; height: 44px; flex-shrink: 0; }
.brand-text { line-height: 1.2; }
.brand-name { display: block; font-size: 24px; font-weight: 800; color: var(--navy); letter-spacing: -.3px; }
.brand-sub { display: block; font-size: 12.5px; font-weight: 600; color: var(--teal); }
.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav ul { display: flex; gap: 28px; list-style: none; }
.main-nav ul a { font-size: 15px; font-weight: 600; color: var(--navy); transition: color .2s; }
.main-nav ul a:hover { color: var(--teal); }
.header-cta { padding: 11px 20px; font-size: 14.5px; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: var(--navy); margin: 5px 0; border-radius: 2px; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: #e3eeea; }
.hero-bg { position: absolute; top: 0; right: 0; bottom: 0; width: 60%; background: url("../assets/img/hero.jpg") right center / cover no-repeat; }
.hero .wrap { position: relative; z-index: 2; padding: 64px 24px 72px; }
.hero h1 { font-size: clamp(38px, 5.2vw, 60px); font-weight: 800; line-height: 1.1; letter-spacing: -1px; color: var(--navy); }
.hero h1 em { font-style: normal; color: var(--teal); }
.hero-lead { max-width: 430px; font-size: 17.5px; color: var(--ink); margin: 24px 0 26px; }
.hero-badges { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 26px; margin-bottom: 30px; max-width: 520px; }
.hero-badges li { display: flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 600; color: var(--navy); }
.hero-badges svg { width: 19px; height: 19px; color: var(--teal); flex-shrink: 0; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-secure { display: flex; align-items: center; gap: 8px; margin-top: 20px; font-size: 13.5px; color: var(--muted); }
.hero-secure svg { width: 16px; height: 16px; color: var(--muted); }

.hero-badge-card { position: absolute; top: 44px; right: 44px; z-index: 3; background: linear-gradient(160deg, #14494a, #0a2f2f); color: #fff; padding: 22px 24px 20px; border-radius: 14px; max-width: 240px; box-shadow: 0 12px 32px rgba(10,47,47,.35); }
.hero-badge-card svg { width: 34px; height: 34px; margin-bottom: 12px; }
.hero-badge-card h3 { font-size: 16.5px; font-weight: 500; line-height: 1.35; color: rgba(255,255,255,.92); margin-bottom: 10px; }
.hero-badge-card h3 strong { font-weight: 800; color: #fff; }
.hero-badge-card p { font-size: 13px; color: rgba(255,255,255,.75); border-top: 1px solid rgba(255,255,255,.15); padding-top: 10px; }

/* ---------- Help cards ---------- */
.help { padding: 76px 0 84px; background: #f7f0e0; }
.help-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 16px; margin-top: 46px; }
.card { border: 1px solid #eadfc6; border-radius: 12px; padding: 28px 18px; text-align: center; background: var(--white); transition: box-shadow .2s, transform .2s; }
.card:hover { box-shadow: 0 8px 24px rgba(22,50,63,.09); transform: translateY(-2px); }
.card-icon { width: 46px; height: 46px; margin: 0 auto 16px; color: var(--navy); }
.card h3 { font-size: 15.5px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.card p { font-size: 13.5px; color: var(--muted); line-height: 1.5; }

/* ---------- How it works ---------- */
.how { padding: 72px 0 80px; background: #e3efec; }
.how .section-title::after { background: #f0e6cd; }
.how-grid { display: flex; justify-content: center; align-items: flex-start; margin-top: 48px; }
.step { text-align: center; width: 220px; position: relative; }
.step-num { width: 40px; height: 40px; border-radius: 50%; background: #3f7a72; border: 2px solid #f0e6cd; box-sizing: content-box; color: var(--white); font-weight: 800; font-size: 17px; display: flex; align-items: center; justify-content: center; margin: 0 auto 14px; }
.step-card { width: 104px; height: 88px; margin: 0 auto 18px; background: var(--white); border-radius: 12px; box-shadow: 0 6px 18px rgba(31,122,114,.18); display: flex; align-items: center; justify-content: center; color: #3f7a72; }
.step-card svg { width: 44px; height: 44px; }
.step h3 { font-size: 16.5px; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
.step p { font-size: 14px; color: var(--muted); max-width: 200px; margin: 0 auto; }
.step-arrow { color: #f0e6cd; align-self: center; margin-top: 60px; padding: 0 8px; }
.step-arrow svg { width: 26px; height: 26px; }

/* ---------- Why ---------- */
.why { padding: 76px 0 84px; background: #f7f0e0; }
.why-grid { display: grid; grid-template-columns: repeat(6, 1fr); margin-top: 48px; }
.why-item { text-align: center; padding: 0 16px; border-left: 1px solid #e5d9bd; }
.why-item:first-child { border-left: 0; }
.why-item svg { width: 42px; height: 42px; margin: 0 auto 16px; color: #3f7a72; display: block; }
.why-item h3 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.why-item p { font-size: 13.5px; color: var(--muted); line-height: 1.5; }

/* ---------- CTA ---------- */
.cta { background: linear-gradient(135deg, var(--teal-dark), var(--teal-deep)); color: var(--white); padding: 56px 0; }
.cta .wrap { display: flex; align-items: center; justify-content: space-between; gap: 36px; flex-wrap: wrap; }
.cta h2 { font-size: clamp(22px, 2.6vw, 30px); font-weight: 800; margin-bottom: 8px; }
.cta p { color: rgba(255,255,255,.85); font-size: 15.5px; }
.cta-phone { display: flex; align-items: center; gap: 14px; }
.cta-phone svg { width: 34px; height: 34px; color: #f0e6cd; flex-shrink: 0; }
.cta-phone-label { display: block; font-size: 14px; color: rgba(255,255,255,.85); font-weight: 600; }
.cta-phone-num.cta-email { font-size: 20px; }
.cta-phone-num { display: block; font-size: 26px; font-weight: 800; color: var(--white); letter-spacing: .5px; }
.cta-phone-num:hover { color: #f0e6cd; }
.cta-phone-hours { display: block; font-size: 13px; color: rgba(255,255,255,.7); }

/* ---------- Footer ---------- */
.site-footer { background: var(--teal-deep); color: rgba(255,255,255,.8); padding: 44px 0; border-top: 1px solid rgba(255,255,255,.08); }
.footer-grid { display: flex; align-items: center; justify-content: space-between; gap: 36px; flex-wrap: wrap; }
.footer-brand { display: flex; align-items: center; gap: 12px; }
.footer-brand .brand-name { color: var(--white); }
.footer-brand .brand-sub { color: #7fc2ba; }
.footer-blurb { max-width: 400px; }
.footer-blurb h4 { font-size: 14.5px; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.footer-blurb p { font-size: 13.5px; line-height: 1.6; }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .help-grid { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: repeat(3, 1fr); row-gap: 40px; }
  .why-item:nth-child(4) { border-left: 0; }
  .step-arrow { display: none; }
  .how-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 44px 24px; justify-items: center; max-width: 620px; margin: 48px auto 0; }
}
@media (max-width: 860px) {
  .main-nav ul { display: none; position: absolute; top: 84px; left: 0; right: 0; background: #f7f0e0; flex-direction: column; gap: 0; padding: 10px 24px 20px; border-bottom: 1px solid #e5ecef; box-shadow: 0 12px 24px rgba(22,50,63,.08); }
  .main-nav ul li { padding: 12px 0; }
  .main-nav.open ul { display: flex; }
  .nav-toggle { display: block; }
  .header-cta { display: none; }
  .hero-badge-card { display: none; }
  .hero-bg { display: none; }
  .hero .wrap { padding: 44px 24px 40px; }
  .hero-lead { max-width: none; }
}
@media (max-width: 560px) {
  .help-grid { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .why-item { border-left: 0; padding: 0 8px; }
  .how-grid { grid-template-columns: 1fr; }
  .cta .wrap { flex-direction: column; align-items: flex-start; }
  .footer-grid { flex-direction: column; align-items: flex-start; }
  .brand-name { font-size: 20px; }
}