:root {
  --ink: #1a2732;
  --navy: #16324a;
  --navy-deep: #0f2437;
  --cream: #faf8f4;
  --white: #ffffff;
  --gold: #b08a4a;
  --gold-dark: #96713a;
  --gray: #5c6b77;
  --line: #e5e0d6;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: 'Inter', -apple-system, 'Segoe UI', sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, .serif { font-family: 'Fraunces', Georgia, serif; font-weight: 600; line-height: 1.15; }

img { max-width: 100%; display: block; }
a { color: var(--gold-dark); text-decoration: none; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }

/* ---------- nav ---------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { font-family: 'Fraunces', Georgia, serif; font-size: 22px; color: var(--ink); letter-spacing: .2px; }
.brand b { font-weight: 700; }
.brand span { color: var(--gold-dark); font-weight: 400; }
.nav ul { display: flex; gap: 34px; list-style: none; align-items: center; }
.nav ul a { color: var(--ink); font-size: 15px; font-weight: 500; }
.nav ul a:hover, .nav ul a.on { color: var(--gold-dark); }
.nav .call {
  background: var(--navy); color: var(--white); padding: 10px 20px;
  border-radius: 999px; font-weight: 600; white-space: nowrap;
}
.nav .call:hover { background: var(--navy-deep); color: var(--white); }
.menu-btn { display: none; background: none; border: 0; font-size: 26px; color: var(--ink); cursor: pointer; }

/* ---------- hero ---------- */
.hero {
  position: relative; color: var(--white);
  background: linear-gradient(rgba(15,36,55,.82), rgba(15,36,55,.82)), url('../img/hero.jpg') center/cover;
  padding: 110px 0 120px; text-align: center;
}
.hero .eyebrow, .eyebrow {
  text-transform: uppercase; letter-spacing: .22em; font-size: 12.5px;
  font-weight: 600; color: var(--gold); margin-bottom: 18px;
}
.hero h1 { font-size: clamp(38px, 6vw, 64px); margin-bottom: 22px; font-weight: 600; }
.hero p.lead { font-size: 19px; max-width: 640px; margin: 0 auto 36px; color: #dce6ee; }
.btn {
  display: inline-block; background: var(--gold); color: var(--white);
  padding: 15px 34px; border-radius: 999px; font-weight: 600; font-size: 16px;
  transition: background .15s;
}
.btn:hover { background: var(--gold-dark); color: var(--white); }
.btn.ghost { background: transparent; border: 1.5px solid rgba(255,255,255,.55); margin-left: 14px; }
.btn.ghost:hover { background: rgba(255,255,255,.12); }
.btn.navy { background: var(--navy); }
.btn.navy:hover { background: var(--navy-deep); }

/* ---------- shared sections ---------- */
section { padding: 84px 0; }
section.tight { padding: 56px 0; }
.center { text-align: center; }
.sub { color: var(--gray); max-width: 660px; }
.center .sub { margin: 0 auto; }
h2.head { font-size: clamp(28px, 4vw, 40px); margin: 8px 0 18px; }

.assoc { background: var(--cream); border-bottom: 1px solid var(--line); padding: 34px 0; }
.assoc .wrap { display: flex; align-items: center; gap: 40px; justify-content: center; flex-wrap: wrap; }
.assoc p { font-size: 13px; text-transform: uppercase; letter-spacing: .18em; color: var(--gray); font-weight: 600; }
.assoc img { height: 56px; width: auto; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split img { border-radius: 10px; box-shadow: 0 18px 44px rgba(22,50,74,.16); }
.split p { margin-bottom: 16px; color: #33424f; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 46px; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: 10px;
  padding: 30px 28px; text-align: left;
}
.card h3 { font-size: 20px; margin-bottom: 10px; color: var(--navy); }
.card p { font-size: 15px; color: var(--gray); }
.cream { background: var(--cream); }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 46px; }
.step { text-align: center; padding: 0 12px; }
.step .n {
  width: 52px; height: 52px; border-radius: 50%; background: var(--navy); color: var(--white);
  font-family: 'Fraunces', Georgia, serif; font-size: 24px; display: flex;
  align-items: center; justify-content: center; margin: 0 auto 18px;
}
.step h3 { font-size: 20px; margin-bottom: 10px; }
.step p { font-size: 15px; color: var(--gray); }

/* testimonials */
.quote-band { background: var(--navy-deep); color: var(--white); text-align: center; }
.quote-band blockquote {
  font-family: 'Fraunces', Georgia, serif; font-size: clamp(21px, 3vw, 28px);
  max-width: 820px; margin: 0 auto 26px; line-height: 1.45; font-weight: 400;
}
.quote-band cite { font-style: normal; color: var(--gold); letter-spacing: .14em; text-transform: uppercase; font-size: 13px; font-weight: 600; }
.quote-band img { width: 64px; height: 64px; border-radius: 50%; margin: 0 auto 14px; }

.inline-quote {
  border-left: 3px solid var(--gold); padding: 6px 0 6px 24px; margin: 30px 0;
}
.inline-quote p { font-family: 'Fraunces', Georgia, serif; font-size: 21px; color: var(--navy); margin-bottom: 8px; }
.inline-quote h4 { font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--gray); }

/* CTA band */
.cta-band { background: var(--navy); color: var(--white); text-align: center; }
.cta-band h2 { font-size: clamp(26px, 4vw, 38px); margin-bottom: 14px; }
.cta-band p { color: #c7d5e0; max-width: 560px; margin: 0 auto 30px; }
.cta-band .phone { font-family: 'Fraunces', Georgia, serif; font-size: 30px; color: var(--white); display: block; margin-top: 22px; }

/* ---------- page hero (interior) ---------- */
.page-hero {
  background: linear-gradient(rgba(15,36,55,.86), rgba(15,36,55,.86)), url('../img/hero.jpg') center/cover;
  color: var(--white); text-align: center; padding: 72px 0;
}
.page-hero h1 { font-size: clamp(32px, 5vw, 50px); margin-bottom: 14px; }
.page-hero p { max-width: 640px; margin: 0 auto; color: #dce6ee; font-size: 18px; }

/* photo rows */
.photo-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0; }
.photo-row img { width: 100%; height: 440px; object-fit: cover; }

/* policies */
.policy h2 { font-size: 26px; color: var(--navy); margin: 44px 0 12px; }
.policy h2:first-child { margin-top: 0; }
.policy p, .policy li { color: #33424f; margin-bottom: 12px; }
.policy ol { padding-left: 22px; }
.policy .fees { background: var(--cream); border: 1px solid var(--line); border-radius: 8px; padding: 16px 22px; font-weight: 600; }

.downloads { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; margin-top: 40px; }
.download {
  border: 1px solid var(--line); border-radius: 10px; padding: 34px; text-align: center; background: var(--white);
}
.download h3 { font-size: 22px; margin-bottom: 6px; }
.download p { color: var(--gray); font-size: 15px; margin-bottom: 20px; }

/* contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 54px; align-items: start; }
.contact-grid h3 { font-size: 20px; margin: 26px 0 6px; color: var(--navy); }
.contact-grid h3:first-child { margin-top: 0; }
.contact-grid p { color: #33424f; }
.contact-grid .big-phone { font-family: 'Fraunces', Georgia, serif; font-size: 34px; color: var(--navy); }
.map { border: 0; width: 100%; height: 420px; border-radius: 10px; box-shadow: 0 18px 44px rgba(22,50,74,.14); }

/* footer */
footer { background: var(--navy-deep); color: #9fb2c1; padding: 56px 0 40px; font-size: 14.5px; }
footer .wrap { display: flex; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
footer h4 { color: var(--white); font-size: 15px; margin-bottom: 12px; }
footer a { color: #9fb2c1; display: block; margin-bottom: 8px; }
footer a:hover { color: var(--white); }
footer .brandline { font-family: 'Fraunces', Georgia, serif; font-size: 20px; color: var(--white); margin-bottom: 10px; }
footer .copy { width: 100%; border-top: 1px solid rgba(255,255,255,.12); margin-top: 36px; padding-top: 22px; font-size: 13px; }

/* ---------- responsive ---------- */
@media (max-width: 900px) {
  .split, .contact-grid, .downloads { grid-template-columns: 1fr; }
  .cards, .steps { grid-template-columns: 1fr; }
  .split { gap: 36px; }
  .nav ul {
    display: none; position: absolute; top: 72px; left: 0; right: 0;
    background: var(--white); flex-direction: column; gap: 0; padding: 10px 24px 20px;
    border-bottom: 1px solid var(--line);
  }
  .nav ul.open { display: flex; }
  .nav ul li { width: 100%; padding: 10px 0; }
  .menu-btn { display: block; }
  .btn.ghost { margin-left: 0; margin-top: 14px; }
  .hero { padding: 80px 0 90px; }
  .photo-row img { height: 260px; }
}