:root {
  --navy: #10243e;
  --navy-light: #1b3a5c;
  --gold: #c99a3f;
  --gold-light: #e8c77a;
  --cream: #faf7f0;
  --text-dark: #1c2530;
  --text-muted: #5c6b7a;
  --white: #ffffff;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: 'Segoe UI', Helvetica, Arial, sans-serif;
  color: var(--text-dark);
  line-height: 1.6;
  background: var(--white);
}
a { text-decoration: none; color: inherit; }
.wrap { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
img { max-width: 100%; display: block; }

/* Header */
header {
  background: var(--navy);
  color: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
}
header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 18px;
  padding-bottom: 18px;
  gap: 20px;
}
.logo {
  font-size: 20px;
  font-weight: 700;
  letter-spacing: 0.3px;
  white-space: nowrap;
}
.logo span { color: var(--gold-light); }
nav ul {
  list-style: none;
  display: flex;
  gap: 28px;
}
nav a {
  font-size: 15px;
  color: #dfe6ee;
  transition: color 0.2s;
  padding-bottom: 4px;
  border-bottom: 2px solid transparent;
}
nav a:hover { color: var(--gold-light); }
nav a.active { color: var(--gold-light); border-bottom-color: var(--gold-light); }
.header-right { display: flex; align-items: center; gap: 18px; }
.header-phone { font-size: 14.5px; color: #dfe6ee; white-space: nowrap; }
.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 9px 18px;
  border-radius: 6px;
  font-weight: 600;
  white-space: nowrap;
}
.nav-cta:hover { background: var(--gold-light); }

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 56px 0;
  text-align: center;
}
.page-hero h1 { font-size: 34px; margin-bottom: 10px; }
.page-hero p { color: #cfd9e4; font-size: 16px; max-width: 560px; margin: 0 auto; }
.breadcrumb { font-size: 13px; color: var(--gold-light); margin-bottom: 12px; text-transform: uppercase; letter-spacing: 1px; }

/* Home Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 90px 0 100px;
}
.hero .wrap {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.hero h1 { font-size: 42px; line-height: 1.25; margin-bottom: 18px; }
.hero h1 em { font-style: normal; color: var(--gold-light); }
.hero p { font-size: 17px; color: #cfd9e4; margin-bottom: 30px; max-width: 480px; }
.btn-row { display: flex; gap: 14px; flex-wrap: wrap; }
.btn { display: inline-block; padding: 14px 26px; border-radius: 6px; font-weight: 600; font-size: 15px; }
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-light); }
.btn-secondary { border: 1.5px solid #7f92a6; color: var(--white); }
.btn-secondary:hover { border-color: var(--gold-light); color: var(--gold-light); }

.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 14px;
  padding: 30px;
}
.hero-card h3 { font-size: 15px; color: var(--gold-light); margin-bottom: 14px; text-transform: uppercase; letter-spacing: 1px; }
.hero-card ul { list-style: none; }
.hero-card li { padding: 0; border-bottom: 1px solid rgba(255,255,255,0.1); font-size: 15px; color: #dfe6ee; }
.hero-card li:last-child { border-bottom: none; }
.hero-card li a { display: flex; align-items: center; justify-content: space-between; padding: 10px 0; color: #dfe6ee; transition: color 0.2s; }
.hero-card li a:hover { color: var(--gold-light); }
.hero-card li a::after { content: "\2192"; opacity: 0.6; margin-left: 10px; }
.hero-card li a:hover::after { opacity: 1; }

/* Section shared */
section { padding: 70px 0; }
.section-title { text-align: center; margin-bottom: 12px; font-size: 30px; color: var(--navy); }
.section-sub { text-align: center; color: var(--text-muted); max-width: 560px; margin: 0 auto 46px; font-size: 16px; }

/* Process steps */
.process { background: var(--cream); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.process-step {
  background: var(--white);
  border-radius: 12px;
  padding: 28px 22px;
  box-shadow: 0 2px 10px rgba(16,36,62,0.06);
  position: relative;
}
.process-step .num {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  margin-bottom: 16px;
}
.process-step h4 { font-size: 17px; margin-bottom: 8px; color: var(--navy); }
.process-step p { font-size: 14px; color: var(--text-muted); }

/* Services */
.services { background: var(--cream); }
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.service-card {
  background: var(--white);
  border-radius: 12px;
  padding: 28px 22px;
  box-shadow: 0 2px 10px rgba(16,36,62,0.06);
  border-top: 3px solid var(--gold);
}
.service-card .icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--navy);
  color: var(--gold-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  margin-bottom: 16px;
}
.service-card h4 { font-size: 18px; margin-bottom: 8px; color: var(--navy); }
.service-card p { font-size: 14.5px; color: var(--text-muted); margin-bottom: 12px; }
.service-card a.learn { font-size: 13.5px; font-weight: 600; color: var(--navy); }
.service-card a.learn:hover { color: var(--gold); }

/* Tabs (services page) */
.tabs-layout { display: grid; grid-template-columns: 280px 1fr; gap: 30px; }
.tab-list { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.tab-list button {
  width: 100%;
  text-align: left;
  padding: 14px 18px;
  border-radius: 8px;
  border: 1px solid #eadfc7;
  background: var(--white);
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  font-family: inherit;
}
.tab-list button.active { background: var(--navy); color: var(--white); border-color: var(--navy); }
.tab-panel { display: none; background: var(--white); border-radius: 14px; padding: 34px; box-shadow: 0 2px 10px rgba(16,36,62,0.06); }
.tab-panel.active { display: block; }
.tab-panel h3 { font-size: 24px; color: var(--navy); margin-bottom: 14px; }
.tab-panel p { color: var(--text-muted); margin-bottom: 16px; font-size: 15px; }
.tab-panel ul { margin: 0 0 20px 20px; color: var(--text-muted); font-size: 14.5px; }
.tab-panel li { margin-bottom: 6px; }
.who-for {
  background: var(--cream);
  border-radius: 10px;
  padding: 16px 20px;
  font-size: 14px;
  color: var(--navy);
  margin-bottom: 20px;
}
.who-for strong { color: var(--navy); }

/* Lead magnet */
.lead-magnet { background: var(--navy); color: var(--white); }
.lead-magnet .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.lead-magnet h2 { font-size: 28px; margin-bottom: 14px; }
.lead-magnet p { color: #cfd9e4; margin-bottom: 20px; font-size: 15.5px; }
.checklist-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); border-radius: 14px; padding: 30px; }
.checklist-card h3 { color: var(--gold-light); font-size: 17px; margin-bottom: 16px; }
.checklist-card ul { list-style: none; }
.checklist-card li { padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,0.1); font-size: 14.5px; color: #dfe6ee; display: flex; gap: 10px; }
.checklist-card li:last-child { border-bottom: none; }
.checklist-card li::before { content: "\2713"; color: var(--gold-light); font-weight: 700; }

/* About */
.about .wrap { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 50px; align-items: center; }
.about-photo { width: 100%; aspect-ratio: 4/5; border-radius: 14px; object-fit: cover; display: block; box-shadow: 0 6px 20px rgba(16,36,62,0.18); }
.about h2 { font-size: 28px; color: var(--navy); margin-bottom: 16px; }
.about p { color: var(--text-muted); margin-bottom: 14px; font-size: 15.5px; }
.about-badges { display: flex; gap: 14px; margin-top: 22px; flex-wrap: wrap; }
.badge { background: var(--cream); border: 1px solid #eadfc7; color: var(--navy); padding: 8px 14px; border-radius: 20px; font-size: 13.5px; font-weight: 600; }

.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.value-card { background: var(--cream); border-radius: 12px; padding: 26px; }
.value-card h4 { color: var(--navy); font-size: 17px; margin-bottom: 8px; }
.value-card p { color: var(--text-muted); font-size: 14.5px; }

/* Why us */
.why { background: var(--navy); color: var(--white); }
.why .section-title, .why .section-sub { color: var(--white); }
.why .section-sub { color: #b9c5d3; }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.why-item { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; padding: 26px; }
.why-item h4 { color: var(--gold-light); margin-bottom: 8px; font-size: 17px; }
.why-item p { color: #cfd9e4; font-size: 14.5px; }

/* CTA banner */
.cta-banner { background: var(--gold); text-align: center; }
.cta-banner h2 { color: var(--navy); font-size: 26px; margin-bottom: 10px; }
.cta-banner p { color: #4a3a17; margin-bottom: 22px; }
.cta-banner .btn-primary { background: var(--navy); color: var(--white); }
.cta-banner .btn-primary:hover { background: var(--navy-light); }

/* Contact */
.contact { background: var(--cream); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.contact-info { background: var(--white); border-radius: 14px; padding: 34px; box-shadow: 0 2px 10px rgba(16,36,62,0.06); }
.contact-info h3 { color: var(--navy); font-size: 20px; margin-bottom: 20px; }
.contact-row { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 18px; }
.contact-row .ic {
  width: 38px; height: 38px; border-radius: 8px;
  background: var(--navy); color: var(--gold-light);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; font-size: 16px;
}
.contact-row a, .contact-row span { font-size: 15px; color: var(--text-dark); }
.contact-row .label { display: block; font-size: 12.5px; color: var(--text-muted); margin-bottom: 2px; }

.contact-form { background: var(--navy); border-radius: 14px; padding: 34px; color: var(--white); }
.contact-form h3 { font-size: 20px; margin-bottom: 8px; }
.contact-form p { color: #b9c5d3; font-size: 14px; margin-bottom: 20px; }
.contact-form label { font-size: 13px; color: #cfd9e4; display: block; margin-bottom: 6px; }
.contact-form input, .contact-form textarea {
  width: 100%; padding: 11px 12px; border-radius: 6px;
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.06);
  color: var(--white); font-size: 14px; margin-bottom: 16px; font-family: inherit;
}
.contact-form input::placeholder, .contact-form textarea::placeholder { color: #8a99a8; }
.contact-form button {
  background: var(--gold); color: var(--navy); border: none;
  padding: 13px 20px; border-radius: 6px; font-weight: 700; font-size: 15px;
  cursor: pointer; width: 100%;
}
.contact-form button:hover { background: var(--gold-light); }
.form-note { font-size: 12px; color: #8a99a8; margin-top: 10px; }

/* Footer */
footer { background: var(--navy); color: #8a99a8; padding: 44px 0 20px; font-size: 13.5px; border-top: 1px solid rgba(255,255,255,0.08); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 30px; margin-bottom: 30px; }
.footer-col h4 { color: var(--white); font-size: 15px; margin-bottom: 14px; }
.footer-col p { color: #8a99a8; margin-bottom: 10px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 9px; }
.footer-col a:hover { color: var(--gold-light); }
.footer-disclosure { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 20px; font-size: 12px; color: #6f7f8f; line-height: 1.7; }
.footer-bottom { text-align: center; margin-top: 20px; font-size: 12.5px; color: #6f7f8f; }
footer a { color: var(--gold-light); }

@media (max-width: 860px) {
  nav ul { display: none; }
  .header-phone { display: none; }
  .hero .wrap, .about .wrap, .contact-grid, .lead-magnet .wrap, .tabs-layout, .footer-grid { grid-template-columns: 1fr; }
  .service-grid, .process-grid, .why-grid, .values-grid { grid-template-columns: repeat(2, 1fr); }
  .hero h1 { font-size: 32px; }
}