:root {
  --navy: #0F1A2B;
  --navy-deep: #0A1220;
  --gold: #C9A961;
  --white: #FFFFFF;
  --offwhite: #F7F5F0;
  --text-dark: #1A1A1A;
  --text-muted: #5A5A5A;

  --font-head: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --container-max: 1200px;
  --gutter: 24px;
  --section-pad: 56px;
  --radius: 6px;
}

@media (min-width: 768px) {
  :root {
    --gutter: 48px;
    --section-pad: 80px;
  }
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a { color: inherit; }

h1, h2, h3 {
  font-family: var(--font-head);
  font-weight: 700;
  margin: 0 0 0.5em;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

p { margin: 0 0 1em; }

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.container.narrow { max-width: 800px; }

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 16px;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background-color .15s, color .15s, border-color .15s, transform .05s;
  line-height: 1.2;
  text-align: center;
}
.btn:active { transform: translateY(1px); }

.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-gold:hover,
.btn-gold:focus-visible {
  background: #d6b870;
  border-color: #d6b870;
}

.btn-navy {
  background: var(--navy);
  color: var(--gold);
  border-color: var(--navy);
}
.btn-navy:hover,
.btn-navy:focus-visible { background: #16263f; border-color: #16263f; }

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline-gold:hover,
.btn-outline-gold:focus-visible {
  background: var(--gold);
  color: var(--navy);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover,
.btn-outline-navy:focus-visible {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

/* ---------- Scroll-triggered sticky bar ---------- */
.scroll-bar {
  position: fixed;
  top: -56px;
  left: 0;
  right: 0;
  height: 56px;
  background: var(--navy);
  border-bottom: 1px solid rgba(201,169,97,0.35);
  z-index: 100;
  transition: top .2s ease;
  visibility: hidden;
}
.scroll-bar.is-visible {
  top: 0;
  visibility: visible;
}
.scroll-bar-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.scroll-bar-logo {
  display: inline-flex;
  align-items: center;
  line-height: 0;
  text-decoration: none;
}
.scroll-bar-logo img {
  height: 36px;
  width: 36px;
  border-radius: 2px;
}
.scroll-bar-nav {
  display: flex;
  align-items: center;
  gap: 12px;
}
.scroll-bar-phone {
  display: inline-flex;
  align-items: center;
  color: var(--gold);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 6px 8px;
}
.scroll-bar-phone:hover { color: #d6b870; }
.scroll-bar-phone .phone-icon { display: inline-flex; }
.scroll-bar-phone .phone-text { display: none; }
@media (min-width: 768px) {
  .scroll-bar-phone .phone-icon { display: none; }
  .scroll-bar-phone .phone-text { display: inline; }
}
.scroll-bar-cta {
  display: none;
  min-height: 40px;
  padding: 0 14px;
  font-size: 0.9375rem;
  color: var(--navy);
}
@media (min-width: 768px) {
  .scroll-bar-cta { display: inline-flex; }
}

/* ---------- Sections ---------- */
.section {
  padding-top: var(--section-pad);
  padding-bottom: var(--section-pad);
}
.section-white { background: var(--white); color: var(--text-dark); }
.section-offwhite { background: var(--offwhite); color: var(--text-dark); }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy p { color: #E4E7EC; }

.section-title {
  font-size: clamp(1.75rem, 3.2vw, 2.5rem);
  text-align: center;
  margin-bottom: 20px;
}
.section-title.centered { text-align: center; }

.section-intro {
  max-width: 800px;
  margin: 0 auto 48px;
  text-align: center;
  font-size: 1.0625rem;
  color: var(--text-muted);
}
.section-navy .section-intro { color: #C7CDD6; }

/* Gold rule accent */
.gold-rule {
  display: block;
  width: 60px;
  height: 3px;
  background: var(--gold);
  margin: 0 auto 20px;
}

/* ---------- 3-column layout ---------- */
.cols-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}
@media (min-width: 768px) {
  .cols-3 { grid-template-columns: repeat(3, 1fr); gap: 32px; }
}

/* ---------- HERO ---------- */
.hero {
  background: var(--white);
  color: var(--text-dark);
  padding-top: 40px;
  padding-bottom: 56px;
  border-bottom: 1px solid #E5E2DA;
}
@media (min-width: 768px) {
  .hero { padding-top: 64px; padding-bottom: 80px; }
}

.hero-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.hero-logo {
  display: inline-flex;
  line-height: 0;
  margin-bottom: 32px;
  text-decoration: none;
}
.hero-logo img {
  height: 80px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
}
@media (min-width: 768px) {
  .hero-logo { margin-bottom: 48px; }
  .hero-logo img {
    height: 120px;
  }
}

.hero h1 {
  font-size: clamp(2rem, 5vw, 3.5rem);
  color: var(--navy);
  margin: 0 auto 20px;
  max-width: 920px;
}
.hero-sub {
  font-size: 1.125rem;
  color: var(--text-dark);
  margin: 0 auto 28px;
  max-width: 760px;
}
.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  margin-bottom: 0;
}

.hero-photo {
  display: flex;
  justify-content: center;
  margin-top: 48px;
  width: 100%;
}
.photo-box {
  border: 2px dashed var(--gold);
  color: var(--navy);
  background: var(--offwhite);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 600;
  padding: 24px;
  line-height: 1.4;
  width: 100%;
}
.photo-portrait {
  max-width: 360px;
  aspect-ratio: 4 / 5;
}

.trust-bar {
  list-style: none;
  margin: 40px 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 16px 24px;
}
.trust-badge {
  width: 92px;
  height: 92px;
  border: 2px dashed var(--gold);
  background: var(--white);
  color: var(--navy);
  font-size: 0.625rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 6px;
  line-height: 1.25;
}
.trust-text {
  color: var(--navy);
  font-size: 0.9375rem;
  font-weight: 500;
}
.trust-text .stars { color: var(--gold); letter-spacing: 1px; }

/* ---------- Feature cards (section 2) ---------- */
.feature {
  text-align: left;
}
.feature-icon {
  color: var(--gold);
  margin-bottom: 16px;
  display: inline-flex;
}
.feature h3 {
  font-size: 1.375rem;
  margin-bottom: 10px;
  color: var(--navy);
}
.feature p {
  color: var(--text-muted);
  margin: 0;
}

/* ---------- Practice cards (section 3) ---------- */
.practice-card {
  background: #152237;
  border-top: 3px solid var(--gold);
  padding: 32px 28px;
  border-radius: 2px;
  display: flex;
  flex-direction: column;
}
.practice-card h3 {
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: 14px;
}
.practice-card p {
  color: #D7DCE4;
  flex: 1;
}
.link-gold {
  color: var(--gold);
  text-decoration: none;
  font-weight: 600;
  margin-top: 8px;
  display: inline-block;
}
.link-gold:hover { color: #d6b870; text-decoration: underline; }

/* ---------- Steps (section 5) ---------- */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
}
@media (min-width: 960px) {
  .steps { grid-template-columns: repeat(4, 1fr); gap: 32px; }
}
.step { text-align: left; }
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.5rem;
  margin-bottom: 16px;
}
.step h3 {
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 10px;
}
.step p { color: var(--text-muted); margin: 0; }

/* ---------- Results (section 6) ---------- */
.results-disclaimer {
  text-align: center;
  color: var(--gold);
  font-size: 0.9375rem;
  max-width: 720px;
  margin: -8px auto 40px;
}
.results-grid { gap: 24px; }
.result-card {
  background: #152237;
  border-top: 3px solid var(--gold);
  padding: 28px 24px;
  text-align: left;
  border-radius: 2px;
}
.result-amount {
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--gold);
  font-size: 2.25rem;
  line-height: 1.1;
  margin-bottom: 8px;
}
.result-type {
  color: var(--white);
  font-weight: 600;
  font-size: 1.0625rem;
}
.result-year {
  color: #9FA7B5;
  font-size: 0.875rem;
  margin-bottom: 12px;
}
.result-desc { color: #D7DCE4; margin: 0; font-size: 0.9375rem; }
.results-note {
  text-align: center;
  margin-top: 32px;
  color: #9FA7B5;
  font-size: 0.875rem;
}

/* ---------- Cities (section 7) ---------- */
.city-grid {
  list-style: none;
  margin: 0 0 24px;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
@media (min-width: 768px) {
  .city-grid { grid-template-columns: repeat(3, 1fr); gap: 16px; }
}
.city-pill {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 16px;
  border: 2px solid var(--gold);
  color: var(--navy);
  background: transparent;
  text-decoration: none;
  font-weight: 600;
  border-radius: var(--radius);
  transition: background-color .15s, color .15s;
}
.city-pill:hover,
.city-pill:focus-visible {
  background: var(--gold);
  color: var(--navy);
}
.city-footnote {
  text-align: center;
  color: var(--text-muted);
  max-width: 720px;
  margin: 0 auto;
}

/* ---------- FAQ (section 8) ---------- */
.faq { margin-top: 32px; }
.faq-item {
  border-bottom: 1px solid #E5E2DA;
}
.faq-item:first-of-type { border-top: 1px solid #E5E2DA; }

.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 4px;
  background: transparent;
  border: 0;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--navy);
  text-align: left;
  cursor: pointer;
  line-height: 1.35;
}
.faq-q:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

.faq-icon {
  flex: 0 0 auto;
  width: 24px;
  height: 24px;
  position: relative;
}
.faq-icon::before,
.faq-icon::after {
  content: "";
  position: absolute;
  background: var(--gold);
  transition: transform .2s;
}
.faq-icon::before {
  top: 11px; left: 2px; right: 2px; height: 2px;
}
.faq-icon::after {
  top: 2px; bottom: 2px; left: 11px; width: 2px;
}
.faq-q[aria-expanded="true"] .faq-icon::after {
  transform: scaleY(0);
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .28s ease;
}
.faq-a-inner {
  padding: 0 4px 20px;
  color: var(--text-muted);
}
.faq-a-inner p { margin: 0; }

.faq-item.is-open .faq-a { max-height: 600px; }

/* ---------- Final CTA (section 9) ---------- */
.final-cta { text-align: center; }
.final-cta .section-title { color: var(--white); }
.final-body {
  color: #D7DCE4;
  max-width: 640px;
  margin: 0 auto 28px;
  font-size: 1.0625rem;
}
.final-ctas {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.contact-block {
  font-style: normal;
  color: var(--white);
  line-height: 1.7;
  font-size: 1rem;
}
.contact-block a { color: var(--white); text-decoration: none; }
.contact-block a:hover { color: var(--gold); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: #A0A7B4;
  padding: 40px 0 32px;
  font-size: 0.8125rem;
}
.footer-compliance {
  max-width: 960px;
  margin: 0 auto 16px;
  line-height: 1.6;
}
.footer-copyright {
  text-align: center;
  margin: 0;
  color: #7B8290;
}