@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&display=swap');

:root {
  --ink: #101319;
  --ink-2: #0b1f3a;
  --ink-3: #13294a;
  --paper: #ffffff;
  --cream: #f2f6fc;
  --cream-2: #e4edf8;
  --gold: #163a6b;
  --gold-bright: #7aa4dc;
  --muted: #4c5563;
  --muted-2: #7a8496;
  --line: #e1e8f2;
  --line-dark: rgba(255,255,255,0.12);
  --radius: 3px;
  --radius-lg: 5px;
  --shadow: 0 18px 44px rgba(20, 22, 28, 0.08);
  --shadow-lg: 0 30px 70px rgba(20, 22, 28, 0.16);
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  --wrap: 1180px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.7;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--ink); text-decoration: none; transition: color 0.2s ease; }

h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink); font-weight: 500; line-height: 1.12; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.6rem, 5.2vw, 4.3rem); font-weight: 400; }
h2 { font-size: clamp(2rem, 3.6vw, 2.9rem); font-weight: 400; }
h3 { font-size: 1.32rem; font-weight: 600; letter-spacing: 0; }
p { color: var(--muted); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 32px; }
.section { padding: 104px 0; }
.section-soft { background: var(--cream); }
.center { text-align: center; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  text-transform: uppercase; letter-spacing: 0.26em; font-size: 0.72rem;
  font-weight: 600; color: var(--gold); margin-bottom: 24px; font-family: var(--sans);
}
.eyebrow::before { content: ""; width: 26px; height: 1px; background: var(--gold); display: inline-block; }
.center .eyebrow::after { content: ""; width: 26px; height: 1px; background: var(--gold); display: inline-block; }
.lead { font-size: 1.18rem; max-width: 660px; color: var(--muted); line-height: 1.75; }
.center .lead { margin-left: auto; margin-right: auto; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 15px 34px; border-radius: var(--radius); font-weight: 600; font-size: 0.82rem;
  text-transform: uppercase; letter-spacing: 0.14em; font-family: var(--sans);
  cursor: pointer; border: 1px solid transparent; transition: all 0.25s ease;
}
.btn-primary { background: var(--ink); color: #fff; border-color: var(--ink); }
.btn-primary:hover { background: var(--gold); border-color: var(--gold); color: #fff; }
.btn-gold { background: var(--gold); color: #fff; border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-bright); border-color: var(--gold-bright); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--ink); }
.btn-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.4); }
.btn-light:hover { border-color: var(--gold-bright); color: var(--gold-bright); }
.btn-ivory { background: #fff; color: var(--ink); border-color: #fff; }
.btn-ivory:hover { background: var(--gold); border-color: var(--gold); color: #fff; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.86); backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 84px; }
.brand { display: flex; align-items: center; gap: 14px; }
.brand-logo { height: 52px; width: auto; display: block; flex-shrink: 0; }
.brand-name {
  display: flex; flex-direction: column; font-family: var(--serif); font-weight: 600;
  color: #1c4587; font-size: 1rem; line-height: 1.12; letter-spacing: 0; max-width: 260px;
  padding-left: 14px; border-left: 1px solid var(--line);
}
.brand-name small { font-family: var(--sans); font-size: 0.58rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted-2); margin-top: 4px; }
.brand-divider { width: 1px; height: 40px; background: var(--line); }
.brand-mark {
  width: 46px; height: 46px; border-radius: 2px; flex-shrink: 0;
  background: var(--ink); border: 1px solid var(--gold);
  display: grid; place-items: center; color: var(--gold); font-family: var(--serif); font-weight: 600; font-size: 1.15rem;
}
.brand-text b { display: block; font-family: var(--serif); color: var(--ink); font-size: 1.06rem; font-weight: 600; line-height: 1.05; letter-spacing: 0; }
.brand-text span { font-size: 0.62rem; color: var(--muted-2); letter-spacing: 0.2em; text-transform: uppercase; }
.footer-logo-chip { display: inline-block; background: #fff; padding: 14px 18px; border-radius: var(--radius); margin-bottom: 22px; }
.footer-logo-chip img { height: 58px; width: auto; display: block; }
.nav-links { display: flex; align-items: center; gap: 34px; list-style: none; }
.nav-links a { color: var(--ink); font-weight: 500; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.1em; position: relative; padding: 6px 0; }
.nav-links a:not(.btn):hover, .nav-links a.active:not(.btn) { color: var(--gold); }
.nav-links a.active:not(.btn)::after { content: ""; position: absolute; left: 0; bottom: -2px; width: 100%; height: 1px; background: var(--gold); }
.nav-cta { margin-left: 6px; }
.nav-cta a { color: #fff !important; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 1.5px; background: var(--ink); margin: 5px 0; transition: 0.3s; }

/* Hero */
.hero { position: relative; background: var(--ink-2); color: #fff; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 34px; border: 1px solid rgba(255,255,255,0.1); pointer-events: none; z-index: 1;
}
.hero::after {
  content: ""; position: absolute; right: -10%; top: -20%; width: 60%; height: 140%;
  background: radial-gradient(circle at center, rgba(176,137,76,0.18), transparent 62%); pointer-events: none;
}
.hero-swoosh { position: absolute; inset: 0; z-index: 1; pointer-events: none; overflow: hidden; }
.hero-swoosh svg { position: absolute; left: 50%; top: 46%; transform: translate(-50%, -50%); width: 118%; height: auto; }
.hero .wrap { position: relative; z-index: 2; padding-top: 118px; padding-bottom: 122px; }
.hero .eyebrow { color: var(--gold-bright); }
.hero .eyebrow::before { background: var(--gold-bright); }
.hero h1 { color: #fff; max-width: 900px; font-weight: 400; }
.hero h1 em { font-style: italic; color: var(--gold-bright); }
.hero p { color: rgba(255,255,255,0.72); font-size: 1.22rem; max-width: 580px; margin-top: 26px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 40px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 34px; margin-top: 56px; padding-top: 34px; border-top: 1px solid rgba(255,255,255,0.12); }
.hero-badge { display: flex; align-items: center; gap: 11px; color: rgba(255,255,255,0.82); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.1em; font-weight: 500; }
.hero-badge .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold-bright); }

/* States */
.states { display: flex; flex-wrap: wrap; gap: 20px; justify-content: center; }
.state-pill {
  display: flex; align-items: center; gap: 14px; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 18px 34px; font-family: var(--serif); font-weight: 600; font-size: 1.1rem; color: var(--ink);
}
.state-pill svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; }

/* Grid cards */
.grid { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.grid.gap { gap: 26px; background: transparent; border: none; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: #fff; padding: 40px 36px; transition: background 0.3s ease, transform 0.3s ease, box-shadow 0.3s ease; position: relative;
  border: 1px solid var(--line); border-radius: var(--radius-lg);
}
.grid > .card { border: none; border-radius: 0; }
.grid > .card:hover { background: var(--cream); }
.grid.gap { gap: 26px; }
.grid.gap > .card { border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.grid.gap > .card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); background: #fff; }
.card .ic {
  width: 46px; height: 46px; display: grid; place-items: center; margin-bottom: 22px; color: var(--gold);
  border: 1px solid var(--gold); border-radius: 2px;
}
.card .ic svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; }
.card h3 { margin-bottom: 10px; font-family: var(--serif); font-weight: 600; }
.card p { font-size: 0.98rem; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.stat-row { display: flex; gap: 52px; flex-wrap: wrap; margin-top: 40px; padding-top: 34px; border-top: 1px solid var(--line); }
.stat b { display: block; font-family: var(--serif); font-size: 2.6rem; color: var(--ink); font-weight: 500; line-height: 1; }
.stat span { font-size: 0.74rem; color: var(--muted-2); text-transform: uppercase; letter-spacing: 0.14em; margin-top: 8px; display: block; }

/* Steps */
.steps { display: grid; gap: 0; counter-reset: step; }
.step-num::before { content: counter(step, decimal-leading-zero); counter-increment: step; }
.step { display: flex; gap: 30px; padding: 34px 0; border-bottom: 1px solid var(--line); }
.step:first-child { padding-top: 0; }
.step:last-child { border-bottom: none; }
.step-num {
  flex-shrink: 0; width: 54px; height: 54px; border-radius: 2px;
  border: 1px solid var(--gold); color: var(--gold); font-family: var(--serif); font-weight: 500;
  display: grid; place-items: center; font-size: 1.4rem;
}
.step h3 { margin-bottom: 6px; }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; text-align: left; background: none; border: none; cursor: pointer; padding: 30px 4px; font-family: var(--serif); font-size: 1.24rem; font-weight: 600; color: var(--ink); display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-q .chev { transition: transform 0.3s ease; color: var(--gold); flex-shrink: 0; font-family: var(--sans); font-weight: 300; font-size: 1.5rem; }
.faq-item.open .chev { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-a p { padding: 0 4px 30px; font-size: 1.02rem; max-width: 760px; }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.calc-inputs { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 44px; }
.field { margin-bottom: 26px; }
.field label { display: flex; justify-content: space-between; font-weight: 600; color: var(--ink); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 11px; }
.field label span { color: var(--gold); font-weight: 600; letter-spacing: 0.02em; text-transform: none; }
.field input[type="number"], .field select, .field input[type="text"], .field input[type="email"], .field input[type="tel"], .field textarea {
  width: 100%; padding: 14px 16px; border: 1px solid var(--line); border-radius: var(--radius); font-size: 1rem; font-family: var(--sans); color: var(--ink); background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(176,137,76,0.12); }
.field input[type="range"] { width: 100%; accent-color: var(--gold); }
.calc-result {
  background: var(--ink-2); color: #fff; border-radius: var(--radius-lg); padding: 48px; position: sticky; top: 108px;
  border: 1px solid var(--ink-3);
}
.calc-result::before { content: ""; display: block; width: 34px; height: 1px; background: var(--gold); margin-bottom: 22px; }
.calc-result .label-sm { color: var(--gold-bright); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; }
.calc-result .payment { font-family: var(--serif); font-size: 3.6rem; font-weight: 400; color: #fff; letter-spacing: -0.02em; margin-top: 8px; }
.calc-result .payment small { font-family: var(--sans); font-size: 1rem; font-weight: 400; color: rgba(255,255,255,0.55); }
.calc-breakdown { margin-top: 32px; border-top: 1px solid rgba(255,255,255,0.14); padding-top: 26px; }
.calc-breakdown .row { display: flex; justify-content: space-between; padding: 11px 0; color: rgba(255,255,255,0.72); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; }
.calc-breakdown .row b { color: #fff; font-family: var(--serif); font-size: 1.05rem; letter-spacing: 0; text-transform: none; }
.disclaimer { font-size: 0.8rem; color: rgba(255,255,255,0.48); margin-top: 24px; line-height: 1.6; }

/* Forms */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 52px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.form-grid .full { grid-column: 1 / -1; }
.contact-aside { display: grid; gap: 4px; align-content: start; }
.contact-aside h3 { margin-bottom: 18px; }
.contact-line { display: flex; gap: 18px; align-items: flex-start; padding: 18px 0; border-bottom: 1px solid var(--line); }
.contact-line .ic { width: 42px; height: 42px; border: 1px solid var(--gold); border-radius: 2px; display: grid; place-items: center; flex-shrink: 0; color: var(--gold); }
.contact-line .ic svg { width: 19px; height: 19px; stroke: var(--gold); fill: none; }
.contact-line b { display: block; color: var(--ink); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 3px; }
.contact-line span, .contact-line span a { color: var(--muted); font-size: 1rem; }
.form-note { display: none; background: var(--ink); color: #fff; padding: 18px 22px; border-radius: var(--radius); margin-bottom: 28px; font-weight: 500; font-size: 0.95rem; }
.form-note b { color: var(--gold-bright); }

/* CTA band */
.cta-band { background: var(--ink-2); color: #fff; border-radius: var(--radius-lg); padding: 84px 56px; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 20px; border: 1px solid rgba(255,255,255,0.1); pointer-events: none; }
.cta-band { text-align: center; }
.cta-band .eyebrow { color: var(--gold-bright); }
.cta-band .eyebrow::before { background: var(--gold-bright); }
.cta-band .eyebrow::after { content: ""; width: 26px; height: 1px; background: var(--gold-bright); display: inline-block; }
.cta-band h2 { color: #fff; position: relative; }
.cta-band p { color: rgba(255,255,255,0.72); max-width: 560px; margin: 18px auto 34px; font-size: 1.14rem; position: relative; }
.cta-band .btn { position: relative; }

/* Page header */
.page-head { background: var(--cream); border-bottom: 1px solid var(--line); padding: 92px 0 76px; }
.page-head p { font-size: 1.16rem; max-width: 640px; }

/* Footer */
.footer { background: var(--ink-2); color: rgba(255,255,255,0.6); padding: 84px 0 34px; }
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1.1fr; gap: 48px; }
.footer h4 { color: #fff; font-family: var(--sans); font-size: 0.72rem; font-weight: 600; margin-bottom: 20px; text-transform: uppercase; letter-spacing: 0.18em; }
.footer a { color: rgba(255,255,255,0.6); display: block; padding: 6px 0; font-size: 0.92rem; }
.footer a:hover { color: var(--gold-bright); }
.footer .brand-mark { background: transparent; }
.footer .brand-text b { color: #fff; }
.footer .brand-text span { color: var(--muted-2); }
.footer > .wrap > p, .footer p { color: rgba(255,255,255,0.5); font-size: 0.92rem; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); margin-top: 56px; padding-top: 28px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 0.78rem; color: rgba(255,255,255,0.42); text-transform: uppercase; letter-spacing: 0.08em; }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.12); margin-top: 48px; padding-top: 28px; }
.footer-legal p { color: rgba(255,255,255,0.44); font-size: 0.76rem; line-height: 1.7; margin-bottom: 9px; max-width: 940px; }
.footer-legal .strong { color: rgba(255,255,255,0.66); font-weight: 600; letter-spacing: 0.03em; }
.footer-legal a { display: inline; color: rgba(255,255,255,0.62); text-decoration: underline; }
.footer-legal a:hover { color: var(--gold-bright); }
.footer-legal .copy { margin-top: 14px; }

.list-check { list-style: none; display: grid; gap: 15px; }
.list-check li { display: flex; gap: 15px; align-items: flex-start; color: var(--muted); }
.list-check li svg { width: 18px; height: 18px; stroke: var(--gold); fill: none; flex-shrink: 0; margin-top: 4px; }

.divider-rule { width: 40px; height: 1px; background: var(--gold); margin: 0 0 26px; }
.center .divider-rule { margin-left: auto; margin-right: auto; }

/* Broker / meet section */
.broker { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 64px; align-items: center; }
.broker-photo { position: relative; }
.broker-photo::before { content: ""; position: absolute; inset: 18px -18px -18px 18px; border: 1px solid var(--gold); border-radius: var(--radius-lg); z-index: 0; }
.broker-frame {
  position: relative; z-index: 1; border-radius: var(--radius-lg); overflow: hidden;
  background: var(--cream); border: 1px solid var(--line); aspect-ratio: 4 / 5;
  display: grid; place-items: center;
}
.broker-frame img { width: 100%; height: 100%; object-fit: cover; object-position: top center; display: block; }
.broker-frame .ph { color: var(--muted-2); font-size: 0.9rem; text-align: center; padding: 24px; }
.broker-name { font-family: var(--serif); font-size: 1.4rem; color: var(--ink); margin-top: 24px; }
.broker-role { color: var(--gold); font-size: 0.76rem; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; margin-top: 4px; }

/* Reviews */
.rev-head { display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap; margin-bottom: 44px; }
.rev-badge { display: flex; align-items: center; gap: 16px; }
.rev-badge .g { width: 46px; height: 46px; flex-shrink: 0; }
.rev-score b { font-family: var(--serif); font-size: 1.5rem; color: var(--ink); }
.stars { display: inline-flex; gap: 3px; }
.stars svg { width: 17px; height: 17px; fill: #f5a623; stroke: none; }
.rev-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow); }
.rev-card .stars { margin-bottom: 14px; }
.rev-card p { color: var(--ink); font-size: 1rem; line-height: 1.7; }
.rev-author { display: flex; align-items: center; gap: 13px; margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--line); }
.rev-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--ink-2); color: #fff; display: grid; place-items: center; font-family: var(--serif); font-weight: 600; flex-shrink: 0; }
.rev-author b { display: block; color: var(--ink); font-size: 0.95rem; }
.rev-author span { color: var(--muted-2); font-size: 0.82rem; }

/* Responsive */
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .split, .calc, .broker { grid-template-columns: 1fr; gap: 42px; }
  .broker-photo { max-width: 420px; }
  .broker-photo::before { inset: 12px -12px -12px 12px; }
  .calc-result { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .section { padding: 74px 0; }
  .hero::before { inset: 18px; }
  .nav-links {
    position: fixed; inset: 84px 0 auto 0; background: #fff; flex-direction: column;
    align-items: flex-start; gap: 0; padding: 16px 32px 28px; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow); transform: translateY(-160%); transition: transform 0.35s ease; z-index: 40;
  }
  .nav-links.open { transform: translateY(0); }
  .nav-links li { width: 100%; }
  .nav-links a:not(.btn) { display: block; padding: 15px 0; width: 100%; border-bottom: 1px solid var(--cream); }
  .nav-cta { margin: 16px 0 0; width: 100%; }
  .nav-cta a { width: 100%; }
  .nav-toggle { display: block; }
  .brand-name { font-size: 0.9rem; max-width: 220px; }
  .brand-name small { display: none; }
}
@media (max-width: 620px) {
  .brand-name { display: none; }
  .brand-logo { height: 46px; }
}
@media (max-width: 560px) {
  .grid-2, .grid-3, .grid-4, .form-grid { grid-template-columns: 1fr; }
  .wrap { padding: 0 22px; }
  .cta-band { padding: 56px 26px; }
  .form-card { padding: 32px 24px; }
  .calc-inputs { padding: 30px; }
  .calc-result { padding: 36px 30px; }
}