:root {
  --navy: #0e2230;
  --navy-2: #132f42;
  --navy-3: #17394d;
  --gold: #c8a15a;
  --gold-dark: #a9823f;
  --ink: #14212b;
  --muted: #667381;
  --line: #dfe6ec;
  --paper: #ffffff;
  --soft: #f4f7f9;
  --shadow: 0 24px 60px rgba(14, 34, 48, 0.16);
  --radius: 22px;
  --max: 1160px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  text-rendering: optimizeLegibility;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(var(--max), calc(100% - 40px));
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 18px;
  z-index: 99;
  padding: 10px 14px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 10px;
  font-weight: 800;
}

.skip-link:focus {
  left: 18px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(223, 230, 236, 0.9);
}

.nav-wrap {
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-weight: 820;
  letter-spacing: -0.025em;
}

.brand-mark {
  width: 42px;
  height: 42px;
  border-radius: 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  background: linear-gradient(135deg, #dfc489, var(--gold));
  box-shadow: 0 10px 22px rgba(200, 161, 90, 0.28);
  font-weight: 900;
}

.brand-text {
  font-size: 1.04rem;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 26px;
  color: #40505d;
  font-size: 0.94rem;
  font-weight: 700;
}

.nav-links a {
  position: relative;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -7px;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width 180ms ease;
}

.nav-links a:hover::after,
.nav-links a:focus-visible::after {
  width: 100%;
}

.section-pad {
  padding: 90px 0;
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: 720px;
  display: flex;
  align-items: center;
  background:
    linear-gradient(120deg, rgba(14, 34, 48, 0.97), rgba(18, 48, 67, 0.92)),
    radial-gradient(circle at 85% 20%, rgba(200, 161, 90, 0.26), transparent 34%);
  color: white;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(62deg, rgba(255,255,255,0.07) 1px, transparent 1px);
  background-size: 68px 68px;
  opacity: 0.25;
}

.hero::after {
  content: "";
  position: absolute;
  width: 520px;
  height: 520px;
  right: -200px;
  bottom: -220px;
  background: rgba(200, 161, 90, 0.17);
  border-radius: 50%;
  filter: blur(4px);
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(340px, 0.75fr);
  gap: 60px;
  align-items: center;
}

.eyebrow {
  margin: 0 0 16px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.hero h1 {
  margin: 0;
  max-width: 760px;
  font-size: clamp(2.8rem, 6vw, 5.9rem);
  line-height: 0.94;
  letter-spacing: -0.065em;
}

.hero-lead {
  max-width: 710px;
  margin: 28px 0 0;
  color: rgba(255,255,255,0.78);
  font-size: clamp(1.06rem, 2vw, 1.25rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 22px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 850;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-2px);
}

.button.primary {
  background: linear-gradient(135deg, #d9bd7d, var(--gold));
  color: var(--navy);
  box-shadow: 0 16px 36px rgba(200, 161, 90, 0.28);
}

.button.secondary {
  background: rgba(255,255,255,0.07);
  color: white;
  border-color: rgba(255,255,255,0.26);
}

.button.secondary:hover,
.button.secondary:focus-visible {
  background: rgba(255,255,255,0.13);
}

.cred-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 34px;
}

.cred-row span {
  padding: 9px 12px;
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: 999px;
  color: rgba(255,255,255,0.76);
  font-size: 0.9rem;
  background: rgba(255,255,255,0.05);
}

.principal-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 30px;
  padding: 18px;
  box-shadow: 0 30px 80px rgba(0,0,0,0.22);
}

.photo-frame {
  overflow: hidden;
  border-radius: 24px;
  background: white;
  aspect-ratio: 1 / 1;
}

.photo-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 52% 25%;
}

.principal-copy {
  padding: 22px 8px 8px;
}

.kicker {
  margin: 0 0 6px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.principal-copy h2 {
  margin: 0;
  font-size: 2rem;
  letter-spacing: -0.04em;
}

.principal-copy p {
  margin: 8px 0 14px;
  color: rgba(255,255,255,0.72);
}

.principal-copy a {
  color: white;
  font-weight: 850;
  border-bottom: 1px solid rgba(200,161,90,0.65);
}

.trust-strip {
  padding: 28px 0;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.trust-grid div {
  padding: 20px 24px;
  border-left: 3px solid var(--gold);
  background: var(--soft);
  border-radius: 18px;
}

.trust-grid strong,
.trust-grid span {
  display: block;
}

.trust-grid strong {
  font-size: 1rem;
  letter-spacing: -0.02em;
}

.trust-grid span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.94rem;
}

.section-light {
  background: var(--soft);
}

.split-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 70px;
}

h2 {
  margin: 0;
  font-size: clamp(2rem, 4vw, 3.45rem);
  line-height: 1.02;
  letter-spacing: -0.055em;
}

.process-list {
  display: grid;
  gap: 18px;
}

.process-list article {
  position: relative;
  padding: 28px 28px 28px 84px;
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 14px 38px rgba(14, 34, 48, 0.06);
}

.process-list span {
  position: absolute;
  left: 26px;
  top: 29px;
  width: 38px;
  height: 38px;
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  color: var(--gold);
  font-weight: 900;
  font-size: 0.88rem;
}

.process-list h3,
.deal-card h3 {
  margin: 0;
  line-height: 1.15;
  letter-spacing: -0.035em;
}

.process-list p,
.deal-card p,
.section-heading p,
.criteria-grid p,
.contact-card p,
.site-footer p {
  color: var(--muted);
}

.process-list p {
  margin: 8px 0 0;
}

.section-heading {
  max-width: 780px;
  margin-bottom: 34px;
}

.section-heading p {
  margin: 16px 0 0;
  font-size: 1.05rem;
}

.deal-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.deal-card {
  display: flex;
  flex-direction: column;
  min-height: 430px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: white;
  box-shadow: 0 18px 48px rgba(14, 34, 48, 0.07);
}

.featured-card {
  background: linear-gradient(180deg, #fff, #f8f2e7);
  border-color: rgba(200, 161, 90, 0.45);
}

.deal-topline {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 40px;
  color: var(--gold-dark);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.deal-card p {
  margin: 16px 0 22px;
}

.deal-card dl {
  margin: auto 0 0;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}

.deal-card dl div + div {
  margin-top: 12px;
}

.deal-card dt {
  color: var(--muted);
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.deal-card dd {
  margin: 2px 0 0;
  font-weight: 820;
}

.section-dark {
  background: var(--navy);
  color: white;
}

.section-dark .eyebrow.gold {
  color: var(--gold);
}

.criteria-grid {
  display: grid;
  grid-template-columns: 0.78fr 1.22fr;
  gap: 70px;
  align-items: start;
}

.criteria-grid p {
  color: rgba(255,255,255,0.7);
  max-width: 520px;
}

.criteria-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.criteria-list div {
  min-height: 86px;
  display: flex;
  align-items: center;
  padding: 20px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 18px;
  background: rgba(255,255,255,0.05);
  font-weight: 780;
}

.contact-section {
  background:
    radial-gradient(circle at 20% 10%, rgba(200, 161, 90, 0.12), transparent 34%),
    var(--soft);
}

.contact-card {
  display: grid;
  grid-template-columns: 1fr 0.72fr;
  gap: 50px;
  align-items: center;
  padding: 48px;
  background: white;
  border: 1px solid var(--line);
  border-radius: 32px;
  box-shadow: var(--shadow);
}

.contact-card p {
  max-width: 640px;
  margin: 18px 0 0;
}

.contact-actions {
  display: grid;
  gap: 14px;
}

.contact-link {
  display: block;
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--soft);
}

.contact-link span,
.contact-link strong {
  display: block;
}

.contact-link span {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.contact-link strong {
  margin-top: 4px;
  word-break: break-word;
}

.button.wide {
  width: 100%;
}

.site-footer {
  padding: 38px 0;
  color: rgba(255,255,255,0.75);
  background: #081620;
}

.footer-grid {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  align-items: center;
}

.footer-brand {
  color: white;
}

.site-footer p {
  margin: 12px 0 0;
  color: rgba(255,255,255,0.6);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 8px;
  text-align: right;
}

.footer-links a {
  color: rgba(255,255,255,0.82);
}

.footer-links a:hover,
.footer-links a:focus-visible {
  color: var(--gold);
}

@media (max-width: 1040px) {
  .hero-grid,
  .split-grid,
  .criteria-grid,
  .contact-card {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
  }

  .principal-card {
    max-width: 520px;
  }

  .deal-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 720px) {
  .container {
    width: min(100% - 28px, var(--max));
  }

  .nav-wrap {
    min-height: 68px;
  }

  .nav-links {
    display: none;
  }

  .section-pad {
    padding: 64px 0;
  }

  .hero h1 {
    font-size: clamp(2.55rem, 15vw, 4.2rem);
  }

  .trust-grid,
  .deal-grid,
  .criteria-list {
    grid-template-columns: 1fr;
  }

  .process-list article {
    padding: 24px;
  }

  .process-list span {
    position: static;
    margin-bottom: 16px;
  }

  .deal-card {
    min-height: auto;
  }

  .deal-topline {
    margin-bottom: 28px;
  }

  .contact-card {
    padding: 28px;
    border-radius: 24px;
  }

  .footer-grid {
    align-items: flex-start;
    flex-direction: column;
  }

  .footer-links {
    text-align: left;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}