/* Westland-style premium legal: deep navy, warm white, muted beige, subtle gold */
:root{
  --navy:#12233d; --navy-deep:#0b1830; --warm-white:#faf8f4; --beige:#e9e2d6;
  --beige-dark:#d6cbb8; --gold:#b39355; --gold-soft:#cbb078; --ink:#1d2a3a;
  --ink-mid:#45536a; --ink-muted:#6e7b8f; --line:#dfd8ca;
  --radius:14px; --maxw:1120px;
  --shadow-sm:0 1px 3px rgba(18,35,61,.08); --shadow-md:0 10px 30px rgba(18,35,61,.10);
  --font-serif:'Cormorant Garamond', Georgia, 'Times New Roman', serif;
  --font-sans:'Source Sans 3', 'Segoe UI', Arial, sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:var(--font-sans);color:var(--ink);background:var(--warm-white);line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1.5rem}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--navy-deep);padding:.6rem 1rem;z-index:100}
.skip-link:focus{left:0}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(250,248,244,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:.9rem 0;gap:1rem}
.brand{display:flex;align-items:center;gap:.65rem;text-decoration:none}
.brand-mark{width:38px;height:38px}
.brand-name{font-family:var(--font-serif);font-weight:600;font-size:1.15rem;letter-spacing:.02em;color:var(--navy)}
.brand-tag{display:block;font-family:var(--font-sans);font-size:.62rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.main-nav ul{display:flex;gap:1.4rem;list-style:none;align-items:center}
.main-nav a{text-decoration:none;font-size:.92rem;color:var(--ink-mid);padding:.35rem 0;border-bottom:2px solid transparent}
.main-nav a:hover,.main-nav a[aria-current="page"]{color:var(--navy);border-bottom-color:var(--gold)}
.nav-cta{background:var(--navy);color:#fff !important;padding:.55rem 1.1rem !important;border-radius:8px;border-bottom:none !important}
.nav-cta:hover{background:var(--navy-deep)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:.45rem .6rem;font-size:1.1rem;color:var(--navy);cursor:pointer}

/* Buttons */
.btn{display:inline-block;text-decoration:none;font-weight:600;font-size:.95rem;padding:.85rem 1.6rem;border-radius:9px;transition:transform .15s ease, box-shadow .15s ease}
.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow-md)}
.btn-primary{background:var(--gold);color:var(--navy-deep)}
.btn-outline{border:1.5px solid var(--beige-dark);color:var(--warm-white)}
.btn-navy{background:var(--navy);color:#fff}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy-deep) 0%, var(--navy) 55%, #1c3354 100%);color:var(--warm-white);position:relative;overflow:hidden}
.hero-skyline{position:absolute;bottom:-4px;left:0;right:0;opacity:.16;pointer-events:none}
.hero-inner{position:relative;padding:5.5rem 0 6.5rem;max-width:720px}
.hero-eyebrow{font-size:.78rem;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:1.1rem}
.hero h1{font-family:var(--font-serif);font-weight:600;font-size:clamp(2.1rem,4.6vw,3.4rem);line-height:1.15;margin-bottom:1.1rem}
.hero h1 em{font-style:italic;color:var(--gold-soft)}
.hero-sub{font-size:1.08rem;color:#cfd8e6;max-width:560px;margin-bottom:1.9rem}
.hero-ctas{display:flex;gap:.9rem;flex-wrap:wrap}

/* Sections */
.section{padding:4.5rem 0}
.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.eyebrow{font-size:.72rem;letter-spacing:.26em;text-transform:uppercase;color:var(--gold);margin-bottom:.6rem}
.section h2{font-family:var(--font-serif);font-weight:600;font-size:clamp(1.6rem,3vw,2.2rem);color:var(--navy);margin-bottom:.9rem}
.lead{color:var(--ink-mid);max-width:640px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:2.2rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow-sm)}
.section.alt .card{background:var(--warm-white)}
.card h3{font-family:var(--font-serif);font-size:1.25rem;color:var(--navy);margin-bottom:.55rem}
.card p{font-size:.95rem;color:var(--ink-mid)}
.card .gold-rule{width:34px;height:3px;background:var(--gold);border-radius:2px;margin-bottom:.9rem}

/* Stats strip */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:2rem}
.stat{background:var(--navy);color:var(--warm-white);border-radius:var(--radius);padding:1.4rem;text-align:center}
.stat b{display:block;font-family:var(--font-serif);font-size:1.7rem;color:var(--gold-soft)}
.stat span{font-size:.82rem;letter-spacing:.06em;color:#c3cddd}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;margin-top:2.2rem;counter-reset:step}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem 1.3rem 1.3rem}
.step::before{counter-increment:step;content:"0" counter(step);font-family:var(--font-serif);font-size:2rem;color:var(--beige-dark);display:block;margin-bottom:.4rem}
.step h3{font-size:1.02rem;color:var(--navy);margin-bottom:.35rem}
.step p{font-size:.88rem;color:var(--ink-mid)}

/* FAQ */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.15rem 1.3rem;margin-top:.9rem}
.faq-q{font-weight:600;color:var(--navy)}
.faq-a{margin-top:.45rem;color:var(--ink-mid);font-size:.95rem}

/* CTA band */
.cta-band{background:linear-gradient(150deg,var(--navy-deep),var(--navy));color:var(--warm-white);border-radius:var(--radius);padding:2.8rem 2.4rem;display:flex;justify-content:space-between;align-items:center;gap:1.6rem;flex-wrap:wrap}
.cta-band h2{color:var(--warm-white);margin-bottom:.4rem}
.cta-band p{color:#cfd8e6;max-width:520px}

/* Forms */
form .field{margin-bottom:1rem}
label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:.3rem}
input,select,textarea{width:100%;padding:.75rem .9rem;border:1px solid var(--beige-dark);border-radius:9px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px}
.form-note{font-size:.8rem;color:var(--ink-muted);background:var(--beige);border-radius:9px;padding:.8rem 1rem;margin:1rem 0}

/* Footer */
.site-footer{background:var(--navy-deep);color:#b9c4d6;margin-top:4rem}
.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;padding:3rem 0 2rem}
.site-footer h4{color:var(--warm-white);font-family:var(--font-serif);margin-bottom:.7rem;font-size:1.05rem}
.site-footer a{color:#b9c4d6;text-decoration:none;font-size:.9rem}
.site-footer a:hover{color:var(--gold-soft)}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:.45rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:1.1rem 0;font-size:.78rem;color:#8a97ab}

@media (max-width:900px){
  .grid-3,.steps{grid-template-columns:1fr 1fr}
  .footer-inner{grid-template-columns:1fr 1fr}
  .main-nav{display:none}
  .main-nav.open{display:block;position:absolute;top:100%;left:0;right:0;background:var(--warm-white);border-bottom:1px solid var(--line);padding:1rem 1.5rem}
  .main-nav.open ul{flex-direction:column;align-items:flex-start;gap:.9rem}
  .menu-btn{display:block}
}
@media (max-width:600px){
  .grid-3,.steps,.stats,.footer-inner{grid-template-columns:1fr}
  .hero-inner{padding:3.5rem 0 4.5rem}
}