:root{
  --navy:#10233F;
  --navy-deep:#0C1D33;
  --teal:#0E7C86;
  --teal-bright:#5FD4DE;
  --clay:#B5502A;
  --ochre:#D9A441;
  --cream:#EFE3C8;
  --paper:#FBF8F1;
  --ink:#1D2735;
  --muted:#5A6B82;
  --line:#E3DCCB;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:"Segoe UI",system-ui,-apple-system,Roboto,"Helvetica Neue",Arial,sans-serif;
  background:var(--paper);
  color:var(--ink);
  line-height:1.6;
}
img{display:block}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:20;
  display:flex;align-items:center;gap:2rem;
  padding:.65rem clamp(1rem,4vw,2.5rem);
  background:var(--navy-deep);
  border-bottom:3px solid var(--ochre);
}
.brand-lockup{display:flex;align-items:center;gap:.65rem;text-decoration:none}
.wordmark{
  font-family:Georgia,"Times New Roman",serif;
  font-size:1.45rem;font-weight:700;color:#fff;letter-spacing:.01em;
}
.wordmark em{font-style:normal;color:var(--ochre)}
.wordmark-sm{font-size:1.1rem}
.site-nav{margin-left:auto;display:flex;gap:1.6rem}
.site-nav a{color:#C7D3E4;text-decoration:none;font-size:.98rem;font-weight:600}
.site-nav a:hover{color:#fff;text-decoration:underline;text-underline-offset:4px}

/* ---------- Buttons ---------- */
.btn{
  display:inline-block;text-decoration:none;font-weight:700;
  border-radius:8px;padding:.55rem 1.3rem;font-size:1rem;
}
.btn-login{background:var(--teal);color:#fff;box-shadow:0 2px 8px rgba(14,124,134,.35)}
.btn-login:hover{background:#0B6670}
.btn-lg{padding:.85rem 1.9rem;font-size:1.08rem}
.btn-ghost{border:2px solid var(--teal-bright);color:#fff}
.btn-ghost:hover{background:rgba(95,212,222,.15)}

/* ---------- Hero ---------- */
.hero{
  background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 78%);
  color:#fff;text-align:center;
  padding:clamp(3rem,7vw,5.5rem) 1.25rem clamp(3.2rem,7vw,5rem);
  border-bottom:4px solid var(--clay);
}
.hero-inner{max-width:820px;margin:0 auto}
.hero-crest{margin:0 auto 1.4rem;width:clamp(104px,18vw,150px);height:auto}
.hero h1{
  font-family:Georgia,"Times New Roman",serif;
  font-size:clamp(2rem,5.4vw,3.3rem);line-height:1.16;font-weight:700;
}
.hero-sub{
  margin:1.3rem auto 0;max-width:640px;
  font-size:clamp(1.02rem,2.4vw,1.2rem);color:#D8E2EF;
}
.hero-sub strong{color:#fff}
.tagline{
  margin-top:1.5rem;
  font-family:Georgia,"Times New Roman",serif;font-style:italic;
  font-size:1.25rem;color:var(--ochre);letter-spacing:.06em;
}
.hero-ctas{margin-top:1.9rem;display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}

/* ---------- Sections ---------- */
.section{max-width:1080px;margin:0 auto;padding:clamp(2.6rem,6vw,4.2rem) 1.25rem}
.section h2{
  font-family:Georgia,"Times New Roman",serif;
  font-size:clamp(1.6rem,3.6vw,2.2rem);color:var(--navy);text-align:center;
}
.section-lede{text-align:center;color:var(--muted);max-width:620px;margin:.8rem auto 0}
.section-alt{max-width:none;background:#F3EDDD}
.section-alt > *{max-width:1080px;margin-left:auto;margin-right:auto}

.cards{
  margin-top:2.2rem;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.1rem;
}
.card{
  background:#fff;border:1px solid var(--line);border-top:4px solid var(--teal);
  border-radius:10px;padding:1.25rem 1.2rem 1.35rem;
  box-shadow:0 2px 6px rgba(16,35,63,.06);
}
.card:nth-child(3n+2){border-top-color:var(--ochre)}
.card:nth-child(3n){border-top-color:var(--clay)}
.card h3{font-size:1.08rem;color:var(--navy);margin-bottom:.45rem}
.card p{font-size:.97rem;color:#3C4A5E}

.steps{
  margin-top:2.2rem;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.1rem;
}
.step{
  background:#fff;border:1px solid var(--line);border-radius:10px;
  padding:1.5rem 1.3rem 1.4rem;position:relative;
  box-shadow:0 2px 6px rgba(16,35,63,.06);
}
.step-num{
  display:inline-flex;align-items:center;justify-content:center;
  width:38px;height:38px;border-radius:50%;
  background:var(--navy);color:var(--ochre);
  font-family:Georgia,"Times New Roman",serif;font-weight:700;font-size:1.2rem;
  margin-bottom:.8rem;
}
.step h3{font-size:1.08rem;color:var(--navy);margin-bottom:.45rem}
.step p{font-size:.97rem;color:#3C4A5E}

.promise{text-align:center}
.promise p{max-width:720px;margin:1.1rem auto 0;color:#3C4A5E;font-size:1.04rem}
.promise .btn{margin-top:1.8rem}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-deep);color:#C7D3E4;border-top:3px solid var(--ochre)}
.footer-inner{
  max-width:1080px;margin:0 auto;padding:1.6rem 1.25rem;
  display:flex;align-items:center;gap:2rem;flex-wrap:wrap;
}
.footer-brand{display:flex;align-items:center;gap:.6rem}
.footer-brand .wordmark{display:block;line-height:1.15}
.footer-tag{display:block;font-size:.82rem;color:var(--ochre);font-style:italic;font-family:Georgia,serif}
.footer-legal{margin-left:auto;font-size:.92rem;color:#93A5BE}

/* ---------- Small screens ---------- */
@media (max-width:640px){
  .site-nav{display:none}
  .site-header .btn-login{margin-left:auto}
  .footer-legal{margin-left:0}
}