/* ===== CSS Variables ===== */
:root {
  --navy: #0B1D36;
  --navy-dark: #071425;
  --navy-light: #132B4A;
  --gold: #C9A227;
  --gold-hover: #B8911F;
  --white: #FFFFFF;
  --off-white: #F7F8FA;
  --gray-100: #F1F3F5;
  --gray-200: #E5E8EB;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --gray-900: #111827;
  --success: #059669;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 4px 12px rgba(0,0,0,0.08);
  --shadow-lg: 0 12px 32px rgba(0,0,0,0.12);
  --radius: 10px;
  --radius-lg: 16px;
  --transition: 0.25s ease;
  --font-sans: 'Inter', system-ui, -apple-system, sans-serif;
  --font-serif: 'Playfair Display', Georgia, serif;
}

/* ===== Reset & Base ===== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-900);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

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

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

ul {
  list-style: none;
}

button, input, textarea {
  font-family: inherit;
  font-size: inherit;
}

/* ===== Utilities ===== */
.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 80px 0;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.section-header h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.875rem, 4vw, 2.5rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.25;
}

.section-header p {
  color: var(--gray-500);
  font-size: 1.1rem;
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  font-weight: 600;
  font-size: 1rem;
  border-radius: 8px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  text-align: center;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}

.btn-primary:hover {
  background: var(--gold-hover);
  border-color: var(--gold-hover);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(201, 162, 39, 0.35);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}

.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

.btn-full {
  width: 100%;
}

/* ===== Header ===== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(11, 29, 54, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: background var(--transition);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 1.25rem;
}

.logo-icon {
  width: 32px;
  height: 32px;
  display: block;
  flex-shrink: 0;
}

.nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav a {
  color: rgba(255,255,255,0.85);
  font-weight: 500;
  font-size: 0.95rem;
  transition: color var(--transition);
}

.nav a:hover {
  color: var(--white);
}

.nav-cta {
  background: var(--gold);
  color: var(--navy-dark) !important;
  padding: 10px 18px;
  border-radius: 6px;
  font-weight: 600;
}

.nav-cta:hover {
  background: var(--gold-hover);
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  transition: all var(--transition);
}

/* ===== Hero ===== */
.hero {
  background: linear-gradient(145deg, var(--navy) 0%, var(--navy-light) 50%, #1a3a5c 100%);
  color: var(--white);
  padding: 140px 0 100px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -15%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,162,39,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
}

.hero-content {
  max-width: 680px;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 20px;
}

.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
  max-width: 540px;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 48px;
}

.phone-icon {
  font-size: 1.1rem;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.15);
}

.trust-item {
  display: flex;
  flex-direction: column;
}

.trust-item strong {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold);
}

.trust-item span {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.7);
}

/* ===== Why / Cards ===== */
.why {
  background: var(--off-white);
}

.about-profile {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  margin-bottom: 56px;
}

.about-photo {
  flex-shrink: 0;
}

.about-photo img {
  width: 200px;
  height: 200px;
  object-fit: cover;
  border-radius: 50%;
  border: 4px solid var(--gold);
  box-shadow: var(--shadow-lg);
}

.about-header {
  margin: 0;
  text-align: left;
  max-width: 480px;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.card {
  background: var(--white);
  padding: 36px 28px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: transform var(--transition), box-shadow var(--transition);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.card-icon {
  font-size: 2rem;
  margin-bottom: 16px;
}

.card h3 {
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 10px;
}

.card p {
  color: var(--gray-500);
  font-size: 0.95rem;
}

/* ===== Services ===== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.service-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow);
}

.service-card h3 {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 10px;
}

.service-card p {
  color: var(--gray-500);
  font-size: 0.95rem;
}

/* ===== Process ===== */
.process {
  background: var(--off-white);
}

.process-steps {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.step {
  display: flex;
  gap: 24px;
  align-items: flex-start;
}

.step-number {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: var(--navy);
  color: var(--gold);
  font-weight: 700;
  font-size: 1.2rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-content h3 {
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}

.step-content p {
  color: var(--gray-500);
}

/* ===== FAQ ===== */
.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: none;
  border: none;
  text-align: left;
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--navy);
  cursor: pointer;
  transition: background var(--transition);
}

.faq-question:hover {
  background: var(--gray-100);
}

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 400;
  color: var(--navy);
  transition: all var(--transition);
}

.faq-item.active .faq-icon {
  background: var(--navy);
  color: var(--gold);
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}

.faq-item.active .faq-answer {
  max-height: 400px;
}

.faq-answer p {
  padding: 0 24px 20px;
  color: var(--gray-500);
  font-size: 0.975rem;
}

/* ===== Payments ===== */
.payments {
  background: var(--off-white);
}

.payments-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: 40px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.payment-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition);
}

.payment-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.payment-icon {
  font-size: 2rem;
  margin-bottom: 14px;
}

.payment-card h3 {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.payment-card p {
  color: var(--gray-500);
  font-size: 0.9rem;
}

.payment-note {
  background: var(--white);
  border-left: 4px solid var(--gold);
  padding: 20px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
  max-width: 800px;
  margin: 0 auto;
}

.payment-note p {
  color: var(--gray-700);
  font-size: 0.975rem;
}

/* ===== Contact ===== */
.contact-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 48px;
  align-items: start;
}

.contact-info h3 {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 12px;
}

.contact-info > p {
  color: var(--gray-500);
  margin-bottom: 28px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 28px;
}

.contact-details li strong {
  display: block;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray-500);
  margin-bottom: 4px;
}

.contact-details a {
  color: var(--navy);
  font-weight: 600;
  font-size: 1.1rem;
}

.contact-details a:hover {
  color: var(--gold);
}

.contact-urgency {
  background: #FEF3C7;
  border: 1px solid #F59E0B;
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 0.9rem;
  color: #92400E;
}

/* Form */
.contact-form {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-weight: 500;
  font-size: 0.9rem;
  color: var(--gray-700);
  margin-bottom: 6px;
}

.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  background: var(--off-white);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(11, 29, 54, 0.1);
  background: var(--white);
}

.checkbox-group {
  margin-bottom: 24px;
}

.checkbox-label {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.85rem;
  color: var(--gray-500);
  cursor: pointer;
  line-height: 1.45;
}

.checkbox-label input {
  margin-top: 3px;
  flex-shrink: 0;
  width: auto;
}

.form-disclaimer {
  margin-top: 14px;
  font-size: 0.8rem;
  color: var(--gray-500);
  text-align: center;
}

/* Honeypot field — hidden from humans, visible to spam bots */
.hidden-field {
  display: none;
}

.form-error {
  margin-top: 14px;
  font-size: 0.85rem;
  color: #b91c1c;
  text-align: center;
}

/* ===== Footer ===== */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 64px 0 32px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-brand .logo {
  margin-bottom: 14px;
}

.footer-brand p {
  font-size: 0.95rem;
  max-width: 280px;
}

.footer-links h4,
.footer-contact h4 {
  color: var(--white);
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  color: rgba(255,255,255,0.7);
  font-size: 0.95rem;
  transition: color var(--transition);
}

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

.footer-contact p {
  font-size: 0.95rem;
  margin-bottom: 8px;
}

.footer-bottom {
  text-align: center;
}

.disclaimer {
  font-size: 0.8rem;
  line-height: 1.55;
  max-width: 900px;
  margin: 0 auto 20px;
  color: rgba(255,255,255,0.55);
}

.copyright {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}

/* ===== Modal ===== */
.modal {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2000;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
  padding: 24px;
}

.modal.active {
  opacity: 1;
  visibility: visible;
}

.modal-content {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  position: relative;
  transform: translateY(20px);
  transition: transform 0.3s ease;
}

.modal.active .modal-content {
  transform: translateY(0);
}

.modal-close {
  position: absolute;
  top: 12px;
  right: 16px;
  background: none;
  border: none;
  font-size: 1.75rem;
  color: var(--gray-500);
  cursor: pointer;
  line-height: 1;
}

.modal-icon {
  width: 56px;
  height: 56px;
  background: #D1FAE5;
  color: var(--success);
  font-size: 1.75rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.modal-content h3 {
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.modal-content p {
  color: var(--gray-500);
  font-size: 0.975rem;
}

/* ===== Responsive ===== */
@media (max-width: 960px) {
  .grid-3,
  .services-grid {
    grid-template-columns: 1fr 1fr;
  }

  .payments-grid {
    grid-template-columns: 1fr 1fr;
  }

  .contact-wrapper {
    grid-template-columns: 1fr;
  }

  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .about-profile {
    flex-direction: column;
    text-align: center;
  }

  .about-header {
    text-align: center;
  }

  .nav {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 24px;
    gap: 20px;
    transform: translateY(-120%);
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }

  .nav.active {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .mobile-toggle {
    display: flex;
  }

  .hero {
    padding: 120px 0 80px;
  }

  .hero-ctas {
    flex-direction: column;
  }

  .hero-ctas .btn {
    width: 100%;
  }

  .hero-trust {
    gap: 24px;
  }

  .section {
    padding: 60px 0;
  }

  .grid-3,
  .services-grid,
  .payments-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer-top {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .step {
    gap: 16px;
  }

  .step-number {
    width: 40px;
    height: 40px;
    font-size: 1rem;
  }
}

@media (max-width: 480px) {
  .container {
    padding: 0 16px;
  }

  .contact-form {
    padding: 28px 20px;
  }
}