:root {
  --navy: #1e3a5f;
  --navy-dark: #0d2137;
  --gold: #c9a84c;
  --gold-light: #e8d5a0;
  --white: #ffffff;
  --off-white: #f7f9fc;
  --text-dark: #1a2332;
  --text-mid: #4a5568;
  --text-light: #718096;
  --border: #e2e8f0;
  --shadow: 0 2px 16px rgba(0,0,0,0.07);
  --shadow-hover: 0 8px 32px rgba(0,0,0,0.14);
  --radius: 8px;
  --max-w: 1100px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', 'Segoe UI', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-dark);
  background: var(--white);
}
img { display: block; max-width: 100%; }
a { color: inherit; }

/* TOP BAR */
.topbar {
  background: var(--navy-dark);
  padding: 8px 24px;
}
.topbar-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 24px;
  font-size: 13px;
  color: rgba(255,255,255,0.65);
  flex-wrap: wrap;
}
.topbar-inner a { color: rgba(255,255,255,0.65); text-decoration: none; }
.topbar-inner a:hover { color: var(--gold); }
.topbar-sep { color: rgba(255,255,255,0.25); }

/* NAV */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.nav-logo-badge {
  width: 42px;
  height: 42px;
  background: var(--gold);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -1px;
  flex-shrink: 0;
}
.nav-logo-text { line-height: 1.2; }
.nav-logo-name {
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
}
.nav-logo-sub {
  color: var(--gold);
  font-size: 10px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  list-style: none;
  gap: 2px;
  align-items: center;
}
.nav-links a {
  display: block;
  padding: 7px 15px;
  color: rgba(255,255,255,0.8);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  border-radius: 6px;
  transition: all 0.18s;
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
.nav-links a.active { color: var(--gold); }
.nav-links .nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  font-weight: 700 !important;
  margin-left: 6px;
}
.nav-links .nav-cta:hover { background: var(--gold-light); }

/* HERO */
.hero {
  position: relative;
  min-height: 500px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, #0a1929 0%, #1e3a5f 55%, #1a4a8a 100%);
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?w=1600&q=65') center/cover no-repeat;
  opacity: 0.12;
}
.hero-inner {
  position: relative;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 80px 24px;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.hero-content { max-width: 580px; }
.hero-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 18px;
}
.hero h1 {
  font-size: clamp(30px, 4.5vw, 50px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 18px;
}
.hero h1 span { color: var(--gold); }
.hero-desc {
  font-size: 17px;
  color: rgba(255,255,255,0.78);
  margin-bottom: 34px;
  line-height: 1.75;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  flex-direction: column;
  gap: 14px;
  flex-shrink: 0;
}
.hero-stat {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 12px;
  padding: 18px 24px;
  text-align: center;
  min-width: 130px;
}
.hero-stat-num {
  font-size: 28px;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}
.hero-stat-label {
  font-size: 11px;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-top: 5px;
}

/* BUTTONS */
.btn {
  display: inline-block;
  padding: 13px 30px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all 0.2s;
  font-family: inherit;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy);
}
.btn-gold:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline-white:hover {
  border-color: var(--white);
  background: rgba(255,255,255,0.08);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--navy-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.2);
}

/* TRUST BAND */
.trust-band {
  background: var(--navy);
  padding: 44px 24px;
}
.trust-band-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.trust-num {
  font-size: 34px;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}
.trust-label {
  font-size: 12px;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-top: 6px;
}

/* SECTIONS */
.section { padding: 76px 24px; }
.section-inner { max-width: var(--max-w); margin: 0 auto; }
.section-bg { background: var(--off-white); }
.section-label {
  display: inline-block;
  color: var(--gold);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.section-title {
  font-size: clamp(22px, 3.5vw, 34px);
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.2;
  margin-bottom: 12px;
}
.section-sub {
  font-size: 16px;
  color: var(--text-mid);
  max-width: 520px;
  line-height: 1.75;
  margin-bottom: 44px;
}
.section-header-row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 44px;
}

/* CARD GRIDS */
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }

/* FEATURE CARDS */
.feat-card {
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: all 0.25s;
  text-decoration: none;
  display: flex;
  flex-direction: column;
}
.feat-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-4px); }
.feat-card-img { width: 100%; height: 175px; object-fit: cover; }
.feat-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.feat-card-tag {
  display: inline-block;
  background: var(--off-white);
  color: var(--navy);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 10px;
}
.feat-card-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.feat-card-body p { color: var(--text-mid); font-size: 14px; line-height: 1.7; flex: 1; }
.feat-card-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  color: var(--navy);
  font-weight: 600;
  font-size: 13px;
  text-decoration: none;
  margin-top: 14px;
}
.feat-card-link:hover { color: var(--gold); }

/* WHY CHOOSE US */
.why-card {
  background: var(--white);
  border-radius: 12px;
  padding: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.why-icon {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, var(--navy), #2a5298);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 16px;
}
.why-title { font-size: 16px; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.why-card p { color: var(--text-mid); font-size: 14px; line-height: 1.7; }

/* PROCESS STEPS */
.steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.step { text-align: center; }
.step-num {
  width: 54px;
  height: 54px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 800;
  margin: 0 auto 14px;
  border: 3px solid var(--gold);
}
.step-title { font-size: 15px; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.step p { font-size: 13px; color: var(--text-mid); line-height: 1.65; }

/* CTA BANNER */
.cta-banner {
  background: linear-gradient(135deg, #c9a84c, #e6c56a);
  padding: 64px 24px;
  text-align: center;
}
.cta-banner h2 { font-size: clamp(22px, 3.5vw, 34px); font-weight: 800; color: var(--navy); margin-bottom: 12px; }
.cta-banner p { font-size: 17px; color: rgba(30,58,95,0.75); margin-bottom: 28px; }

/* PAGE HERO (interior) */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 52px 24px;
}
.page-hero-inner { max-width: var(--max-w); margin: 0 auto; }
.breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  margin-bottom: 14px;
}
.breadcrumb a { color: rgba(255,255,255,0.45); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb-sep { color: rgba(255,255,255,0.25); }
.page-hero h1 { font-size: clamp(26px, 4vw, 40px); font-weight: 800; color: var(--white); margin-bottom: 8px; }
.page-hero p { color: rgba(255,255,255,0.65); font-size: 15px; }

/* TWO-COL */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.two-col-img { width: 100%; height: 360px; object-fit: cover; border-radius: 12px; box-shadow: var(--shadow-hover); }

/* SERVICE LIST */
.svc-list { list-style: none; }
.svc-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
  color: var(--text-mid);
  line-height: 1.6;
}
.svc-list li:last-child { border-bottom: none; }
.svc-check {
  width: 22px;
  height: 22px;
  min-width: 22px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 800;
  font-size: 11px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

/* SERVICE DETAIL CARDS */
.svc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px;
  box-shadow: var(--shadow);
}
.svc-card-icon { font-size: 28px; margin-bottom: 14px; }
.svc-card-title { font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.svc-card p { font-size: 14px; color: var(--text-mid); line-height: 1.7; }

/* FAQ */
.faq { max-width: 780px; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 8px; overflow: hidden; }
.faq-q {
  width: 100%;
  text-align: left;
  padding: 16px 20px;
  background: var(--white);
  border: none;
  cursor: pointer;
  font-size: 15px;
  font-weight: 600;
  color: var(--text-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  transition: background 0.18s;
  font-family: inherit;
}
.faq-q:hover { background: var(--off-white); }
.faq-q.open { background: var(--navy); color: var(--white); }
.faq-q .faq-arrow { transition: transform 0.22s; flex-shrink: 0; }
.faq-q.open .faq-arrow { transform: rotate(180deg); color: var(--gold); }
.faq-a {
  display: none;
  padding: 16px 20px;
  background: var(--off-white);
  color: var(--text-mid);
  font-size: 14px;
  line-height: 1.75;
  border-top: 1px solid var(--border);
}
.faq-a.open { display: block; }

/* FORM */
.form-wrap { max-width: 720px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }
.form-label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
.form-input, .form-select {
  width: 100%;
  padding: 10px 13px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 15px;
  color: var(--text-dark);
  background: var(--white);
  font-family: inherit;
  transition: border-color 0.18s;
}
.form-input:focus, .form-select:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(30,58,95,0.07);
}
.form-section-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin: 24px 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--gold);
}

/* CALCULATORS */
.calc-wrap {
  background: var(--white);
  border-radius: 12px;
  padding: 32px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  margin-bottom: 28px;
}
.calc-heading {
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 2px solid var(--gold);
}
.calc-tabs-bar {
  display: flex;
  gap: 0;
  border-bottom: 2px solid var(--border);
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.calc-tab-btn {
  padding: 10px 18px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-mid);
  cursor: pointer;
  border: none;
  background: none;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  font-family: inherit;
  transition: all 0.18s;
}
.calc-tab-btn:hover { color: var(--navy); }
.calc-tab-btn.active { color: var(--navy); border-bottom-color: var(--navy); font-weight: 700; }
.calc-panel { display: none; }
.calc-panel.active { display: block; }
.calc-field { margin-bottom: 16px; }
.calc-field label { display: block; font-size: 13px; font-weight: 600; color: var(--text-dark); margin-bottom: 6px; }
.calc-field input, .calc-field select {
  width: 100%;
  max-width: 300px;
  padding: 9px 13px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: inherit;
  color: var(--text-dark);
  transition: border-color 0.18s;
}
.calc-field input:focus, .calc-field select:focus { outline: none; border-color: var(--navy); }
.calc-field .unit { color: var(--text-light); font-size: 13px; margin-left: 8px; }
.calc-result-box {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  margin-top: 20px;
}
.calc-result-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.calc-result-row:last-child { border-bottom: none; font-weight: 700; }
.calc-result-val { font-weight: 700; color: var(--navy); }
.calc-note { font-size: 12px; color: var(--text-light); margin-top: 12px; font-style: italic; }
.calc-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: start; }
.btn-calc {
  display: inline-block;
  padding: 10px 24px;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 14px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  font-family: inherit;
  margin-top: 8px;
  transition: all 0.18s;
}
.btn-calc:hover { background: var(--navy-dark); }
.btn-reset {
  display: inline-block;
  padding: 10px 24px;
  background: var(--off-white);
  color: var(--text-mid);
  font-weight: 600;
  font-size: 14px;
  border-radius: var(--radius);
  border: 1.5px solid var(--border);
  cursor: pointer;
  font-family: inherit;
  margin-top: 8px;
  margin-left: 8px;
  transition: all 0.18s;
}
.btn-reset:hover { border-color: var(--text-mid); color: var(--text-dark); }

/* GLOSSARY */
.glossary-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 16px; }
.glossary-item { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; }
.glossary-term { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.glossary-def { font-size: 13px; color: var(--text-mid); line-height: 1.65; }

/* INFO CARD */
.info-card {
  background: linear-gradient(135deg, var(--navy), #2a5298);
  border-radius: 12px;
  padding: 32px;
  color: var(--white);
}
.info-card h3 { font-size: 18px; font-weight: 700; color: var(--gold); margin-bottom: 14px; }
.info-card p { font-size: 14px; color: rgba(255,255,255,0.78); line-height: 1.7; margin-bottom: 10px; }
.info-card .info-item { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; }
.info-card .info-icon { color: var(--gold); flex-shrink: 0; margin-top: 2px; }

/* CONTACT CARD */
.contact-bar {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.contact-bar-text { font-size: 20px; font-weight: 700; color: var(--text-dark); }
.contact-bar-sub { font-size: 14px; color: var(--text-mid); margin-top: 4px; }

/* FOOTER */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.65);
  padding: 60px 24px 0;
}
.footer-grid {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p { font-size: 14px; line-height: 1.75; margin: 14px 0; max-width: 270px; }
.footer-heading { color: var(--white); font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 18px; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 9px; }
.footer-links a { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 14px; transition: color 0.18s; }
.footer-links a:hover { color: var(--gold); }
.footer-contact-item { display: flex; gap: 10px; font-size: 13px; margin-bottom: 12px; align-items: flex-start; line-height: 1.5; }
.footer-contact-icon { color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.footer-contact-item a { color: rgba(255,255,255,0.55); text-decoration: none; }
.footer-contact-item a:hover { color: var(--gold); }
.footer-bottom {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 18px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
  color: rgba(255,255,255,0.35);
  flex-wrap: wrap;
  gap: 8px;
}

/* ABOUT PAGE */
.value-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 24px;
  box-shadow: var(--shadow);
  border-left: 4px solid var(--gold);
}
.value-card h3 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.value-card p { font-size: 14px; color: var(--text-mid); line-height: 1.7; }

/* TESTIMONIALS */
.testimonial-card {
  background: var(--white);
  border-radius: 12px;
  padding: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  font-size: 60px;
  color: var(--gold);
  line-height: 1;
  position: absolute;
  top: 12px;
  left: 20px;
  font-family: Georgia, serif;
}
.testimonial-text { font-size: 15px; color: var(--text-mid); line-height: 1.75; margin: 20px 0 20px; font-style: italic; }
.testimonial-author { font-size: 14px; font-weight: 700; color: var(--text-dark); }
.testimonial-loc { font-size: 13px; color: var(--text-light); }
.star-row { color: var(--gold); font-size: 14px; margin-bottom: 8px; }

/* NOTICE BOX */
.notice { background: #fff9ed; border: 1px solid #f5d782; border-radius: var(--radius); padding: 14px 18px; font-size: 14px; color: #7a5c00; margin: 16px 0; }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-stats { display: none; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .trust-band-inner { grid-template-columns: 1fr 1fr; }
  .two-col { grid-template-columns: 1fr; }
  .two-col-img { height: 260px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calc-2col { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .hero-inner { padding: 52px 20px; }
  .hero h1 { font-size: 28px; }
  .trust-band-inner { grid-template-columns: 1fr 1fr; }
  .contact-bar { flex-direction: column; text-align: center; }
}