:root{
  --navy:#0B1E3D;
  --navy-dark:#081530;
  --copper:#C08552;
  --copper-light:#D9A876;
  --blue-accent:#5B8FB8;
  --bg-light:#F5F6F8;
  --text:#1A2233;
  --text-muted:#5A6478;
  --white:#FFFFFF;
}
*{box-sizing:border-box;margin:0;padding:0;}
body{
  font-family:"Montserrat",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  font-weight:300;
  color:var(--text);
  background:var(--white);
  line-height:1.6;
}
h1,h2,h3,.logo,.nav-cta,.btn-primary,.btn-submit,label,.eyebrow,.step-num,.form-section-label{
  font-family:"Montserrat",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  font-weight:700;
}
a{color:inherit;}
.container{max-width:1080px;margin:0 auto;padding:0 24px;}

/* NAV */
header{
  background:var(--navy);
  color:var(--white);
  position:sticky;top:0;z-index:100;
  border-bottom:3px solid var(--copper);
}
nav{display:flex;align-items:center;justify-content:space-between;padding:18px 0;}
.logo-link{text-decoration:none;}
.logo{font-size:20px;font-weight:700;letter-spacing:0.3px;}
.logo span{color:var(--copper-light);}
.logo small{display:block;font-weight:400;font-size:11px;color:#9FB0CC;letter-spacing:0.5px;text-transform:uppercase;margin-top:2px;}
.nav-right{display:flex;flex-wrap:wrap;justify-content:flex-end;align-items:center;gap:24px;row-gap:8px;}
.nav-link{
  font-size:14px;
  font-weight:600;
  text-decoration:none;
  color:#C9D3E6;
  transition:color 0.2s;
  white-space:nowrap;
}
.nav-link:hover{color:var(--copper-light);}
.nav-cta{
  background:var(--copper);
  color:var(--navy-dark);
  padding:10px 22px;
  border-radius:4px;
  font-weight:600;
  font-size:14px;
  text-decoration:none;
  transition:background 0.2s;
  white-space:nowrap;
}
.nav-cta:hover{background:var(--copper-light);}

/* HERO */
.hero{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:var(--white);
  padding:90px 0 100px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute;
  right:-10%;top:20%;
  width:500px;height:2px;
  background:linear-gradient(90deg,transparent,var(--copper),transparent);
  transform:rotate(-8deg);
}
.hero-inner{max-width:680px;position:relative;z-index:2;}
.eyebrow{
  color:var(--copper-light);
  font-size:13px;
  font-weight:700;
  letter-spacing:1.5px;
  text-transform:uppercase;
  margin-bottom:16px;
}
h1{font-size:40px;font-weight:800;line-height:1.2;margin-bottom:20px;}
.hero p{font-size:17px;color:#C9D3E6;margin-bottom:32px;max-width:560px;}
.btn-primary{
  display:inline-block;
  background:var(--copper);
  color:var(--navy-dark);
  padding:15px 32px;
  border-radius:4px;
  font-weight:700;
  font-size:15px;
  text-decoration:none;
  transition:background 0.2s,transform 0.15s;
}
.btn-primary:hover{background:var(--copper-light);transform:translateY(-1px);}
.hero-note{margin-top:18px;font-size:13px;color:#8494B0;}

/* SECTIONS */
section{padding:80px 0;scroll-margin-top:100px;}
.section-tight{padding:64px 0;}
h2{font-size:28px;font-weight:800;color:var(--navy);margin-bottom:12px;}
.section-sub{color:var(--text-muted);font-size:16px;margin-bottom:48px;max-width:600px;}
.bg-light{background:var(--bg-light);}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;}
.step{position:relative;padding-left:0;}
.step-num{
  display:inline-flex;align-items:center;justify-content:center;
  width:40px;height:40px;
  background:var(--navy);color:var(--copper-light);
  border-radius:50%;font-weight:800;font-size:16px;
  margin-bottom:16px;
}
.step h3{font-size:17px;font-weight:700;margin-bottom:8px;color:var(--navy);}
.step p{font-size:14.5px;color:var(--text-muted);}

/* CHECKLIST */
.checklist{display:grid;grid-template-columns:1fr 1fr;gap:28px 40px;margin-bottom:32px;}
.check-item{display:flex;gap:16px;align-items:flex-start;}
.check-num{
  flex-shrink:0;
  display:inline-flex;align-items:center;justify-content:center;
  width:32px;height:32px;
  background:var(--navy);color:var(--copper-light);
  border-radius:50%;font-weight:800;font-size:13px;
}
.check-item h3{font-size:15.5px;font-weight:700;margin-bottom:4px;color:var(--navy);}
.check-item p{font-size:14px;color:var(--text-muted);}
.checklist-outro{
  font-size:15px;
  color:var(--navy);
  font-weight:600;
  border-top:1px solid #E4E7ED;
  padding-top:24px;
  max-width:760px;
}

/* VALUE GRID */
.value-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;}
.value-list{list-style:none;}
.value-list li{
  padding:14px 0 14px 18px;
  border-left:3px solid var(--copper);
  border-bottom:1px solid #E4E7ED;
  font-size:15px;
  color:var(--text);
  margin-bottom:2px;
}
.value-list li:last-child{border-bottom:none;}
.value-card{
  background:var(--navy);
  color:var(--white);
  padding:32px;
  border-radius:6px;
  border-top:3px solid var(--copper);
}
.value-card h3{font-size:18px;margin-bottom:12px;color:var(--copper-light);}
.value-card p{font-size:14.5px;color:#C9D3E6;margin-bottom:12px;}
.value-card p:last-child{margin-bottom:0;}
.value-card address{font-style:normal;}
.value-card a{color:var(--copper-light);text-decoration:underline;}
.value-card a:hover{color:var(--white);}

/* ABOUT PAGE */
.about-text{max-width:680px;color:var(--text);font-size:16px;margin-bottom:20px;}
.text-link{
  display:inline-block;
  color:var(--copper);
  font-weight:700;
  text-decoration:none;
  border-bottom:2px solid var(--copper);
  padding-bottom:2px;
  margin-bottom:40px;
}
.text-link:hover{color:var(--navy);border-color:var(--navy);}

/* FORM */
#intake{background:var(--bg-light);}
.form-wrap{
  background:var(--white);
  border-radius:8px;
  padding:44px;
  box-shadow:0 4px 24px rgba(11,30,61,0.08);
  max-width:760px;
  margin:0 auto;
}
#contact-step{
  margin-top:28px;
  display:none;
  scroll-margin-top:100px;
}
#contact-step.visible{display:block;}
.calc-error{
  display:none;
  margin-top:14px;
  padding:12px 16px;
  border-radius:4px;
  background:#FBEAEA;
  color:#A13B3B;
  font-size:13.5px;
}
.result-box{
  margin-top:28px;
  padding:36px 32px;
  border-radius:8px;
  text-align:center;
}
.result-icon{
  width:56px;
  height:56px;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 auto 18px;
}
.result-icon svg{width:26px;height:26px;}
.result-box h3{font-size:21px;color:var(--navy);margin-bottom:10px;}
.result-box p{font-size:15px;color:var(--text-muted);max-width:440px;margin:0 auto;}
.result-better{background:#FBF1E7;}
.result-better .result-icon{background:var(--copper);}
.result-good{background:#EEF3F7;}
.result-good .result-icon{background:var(--blue-accent);}
.result-neutral{background:var(--bg-light);}
#calc-result{text-align:center;}
.calc-cta{margin-top:20px;}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.form-group{margin-bottom:20px;}
.form-group.full{grid-column:1/-1;}
label{
  display:block;
  font-size:13px;
  font-weight:600;
  color:var(--navy);
  margin-bottom:6px;
}
label .optional{font-weight:400;color:var(--text-muted);font-size:12px;}
input[type="text"],input[type="email"],input[type="tel"],input[type="number"],textarea,select{
  width:100%;
  padding:11px 13px;
  border:1px solid #D3D8E2;
  border-radius:4px;
  font-size:14.5px;
  font-family:inherit;
  color:var(--text);
  background:var(--white);
}
input:focus,textarea:focus,select:focus{
  outline:none;
  border-color:var(--copper);
}
.input-currency{position:relative;}
.input-currency .currency-prefix{
  position:absolute;
  left:13px;
  top:50%;
  transform:translateY(-50%);
  color:var(--text-muted);
  font-size:14.5px;
  pointer-events:none;
}
.input-currency input{padding-left:28px;}
textarea{resize:vertical;min-height:90px;}
.file-input{
  border:1.5px dashed #D3D8E2;
  border-radius:4px;
  padding:16px;
  background:#FAFBFC;
  font-size:13.5px;
}
.form-section-label{
  font-size:12px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.6px;
  color:var(--copper);
  margin:28px 0 14px;
  padding-top:12px;
  border-top:1px solid #E4E7ED;
}
.form-section-label:first-child{margin-top:0;padding-top:0;border-top:none;}
.btn-submit{
  width:100%;
  background:var(--navy);
  color:var(--white);
  border:none;
  padding:16px;
  border-radius:4px;
  font-size:15.5px;
  font-weight:700;
  cursor:pointer;
  margin-top:8px;
  transition:background 0.2s;
}
.btn-submit:hover{background:var(--navy-dark);}
.form-disclaimer{font-size:12.5px;color:var(--text-muted);margin-top:14px;text-align:center;}
.form-disclaimer a{color:var(--copper);font-weight:600;text-decoration:underline;}

/* FOOTER */
footer{
  background:var(--navy-dark);
  color:#8494B0;
  padding:40px 0;
  font-size:13.5px;
}
.footer-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;}
footer .footer-logo{color:var(--white);font-weight:700;font-size:15px;}
footer .footer-logo span{color:var(--copper-light);}

@media(max-width:760px){
  h1{font-size:30px;}
  .steps,.value-grid,.form-grid,.checklist{grid-template-columns:1fr;}
  .form-wrap{padding:28px;}
  .hero{padding:60px 0 70px;}
  .hero::after{display:none;}
  section{padding:56px 0;scroll-margin-top:80px;}
  nav{gap:10px;}
  .logo{font-size:15px;}
  .logo small{font-size:9.5px;}
  .nav-right{gap:10px;}
  .nav-link{font-size:10.5px;}
  .nav-cta{padding:8px 12px;font-size:11px;white-space:nowrap;}
}

@media(max-width:400px){
  .logo{font-size:13px;}
  .logo small{display:none;}
  .nav-right{gap:8px;}
  .nav-link{font-size:9.5px;}
  .nav-cta{padding:7px 10px;font-size:10px;}
}