:root {
  --navy: #0f2540;
  --navy-dark: #0a1a2e;
  --gold: #c9a227;
  --bg: #ffffff;
  --bg-alt: #f5f6f8;
  --text: #1f2733;
  --text-light: #5b6472;
  --radius: 8px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

h1, h2, h3 {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--navy);
  line-height: 1.25;
}

h1 { font-size: 2.25rem; margin: 0 0 1rem; }
h2 { font-size: 1.75rem; margin: 0 0 1.25rem; }
h3 { font-size: 1.15rem; margin: 0 0 0.5rem; }

p { margin: 0 0 1rem; color: var(--text-light); }

a { color: var(--navy); }

.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px;
}

.container.narrow { max-width: 720px; }

/* Header */
.site-header {
  background: var(--navy);
  padding: 16px 0;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.logo {
  color: #fff;
  font-family: Georgia, serif;
  font-size: 1.2rem;
  font-weight: bold;
  text-decoration: none;
}

.logo span { color: var(--gold); }

.site-nav {
  display: flex;
  gap: 20px;
}

.site-nav a {
  color: #dfe6ee;
  text-decoration: none;
  font-size: 0.95rem;
}

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

.btn {
  display: inline-block;
  padding: 12px 24px;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: bold;
  border: none;
  cursor: pointer;
  font-size: 1rem;
}

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

.btn-primary:hover { background: #b8931f; }

.btn-header {
  background: transparent;
  color: #fff;
  border: 1px solid var(--gold);
  padding: 8px 16px;
  font-size: 0.9rem;
}

.btn-header:hover { background: var(--gold); color: var(--navy-dark); }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 80px 0;
  text-align: center;
}

.hero h1 { color: #fff; max-width: 760px; margin-left: auto; margin-right: auto; }

.hero-sub {
  color: #cfd8e3;
  max-width: 620px;
  margin: 0 auto 2rem;
  font-size: 1.1rem;
}

/* Sections */
.section { padding: 64px 0; }
.section-alt { background: var(--bg-alt); }

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.step {
  background: #fff;
  padding: 24px;
  border-radius: var(--radius);
  border: 1px solid #e4e8ee;
}

.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-weight: bold;
  margin-bottom: 12px;
}

.benefits {
  list-style: none;
  padding: 0;
  max-width: 620px;
}

.benefits li {
  padding: 10px 0 10px 32px;
  position: relative;
  color: var(--text);
  border-bottom: 1px solid #e4e8ee;
}

.benefits li::before {
  content: "\2713";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: bold;
}

/* Contact form */
.contact-form {
  max-width: 520px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  background: #fff;
  padding: 28px;
  border-radius: var(--radius);
  border: 1px solid #e4e8ee;
}

.contact-form label {
  font-size: 0.9rem;
  font-weight: bold;
  color: var(--text);
  margin-top: 10px;
}

.contact-form input,
.contact-form textarea {
  padding: 10px 12px;
  border: 1px solid #cdd4dc;
  border-radius: 6px;
  font-size: 1rem;
  font-family: inherit;
}

.contact-form .consent {
  display: flex;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: normal;
  color: var(--text-light);
  align-items: flex-start;
  margin-top: 16px;
}

.contact-form .consent input { margin-top: 4px; }

.contact-form button { margin-top: 20px; }

.form-confirmation {
  max-width: 520px;
  background: #eaf6ec;
  border: 1px solid #b7dfc0;
  padding: 16px;
  border-radius: var(--radius);
  color: #276238;
}

.direct-contact { margin-top: 24px; }

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

.form-error {
  max-width: 520px;
  background: #fdecea;
  border: 1px solid #f3b4ac;
  padding: 16px;
  border-radius: var(--radius);
  color: #8a2c22;
}

/* Privacy page */
.effective-date { color: var(--text-light); font-size: 0.9rem; margin-top: -0.5rem; }

/* Footer */
.site-footer {
  background: var(--navy-dark);
  color: #b9c2cd;
  padding: 32px 0 16px;
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px;
}

.footer-brand { color: #fff; font-weight: bold; margin-bottom: 4px; }

.footer-links { display: flex; gap: 16px; flex-wrap: wrap; }

.footer-links a { color: #b9c2cd; text-decoration: none; font-size: 0.9rem; }
.footer-links a:hover { color: var(--gold); }

.footer-copy {
  text-align: center;
  font-size: 0.8rem;
  margin: 24px 0 0;
  color: #7c8896;
}

/* Responsive */
@media (max-width: 800px) {
  .steps { grid-template-columns: 1fr 1fr; }
  .site-nav { order: 3; width: 100%; justify-content: center; }
}

@media (max-width: 500px) {
  .steps { grid-template-columns: 1fr; }
  h1 { font-size: 1.75rem; }
}