:root{
  --navy:#0f1f3d;
  --navy-2:#16294f;
  --gold:#c9a227;
  --gold-2:#e2c25a;
  --ink:#1d2433;
  --muted:#5b6475;
  --bg:#f6f4ee;
  --white:#ffffff;
  --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* Header */
header{background:var(--navy);color:var(--white);position:sticky;top:0;z-index:10;border-bottom:2px solid var(--gold)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{height:52px;width:52px;object-fit:contain}
.brand-text{font-weight:800;letter-spacing:.08em;line-height:1.1}
.brand-text small{display:block;color:var(--gold);font-weight:600;letter-spacing:.2em;font-size:.72rem}
.nav ul{display:flex;gap:22px;list-style:none}
.nav ul a{text-decoration:none;font-size:.95rem;opacity:.9}
.nav ul a:hover{color:var(--gold)}
.nav .cta-small{background:var(--gold);color:var(--navy);padding:8px 14px;border-radius:999px;font-weight:700;text-decoration:none;white-space:nowrap}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:var(--white);padding:84px 0 92px}
.hero h1{font-size:clamp(2rem,4.5vw,3.2rem);line-height:1.15;max-width:760px}
.hero h1 span{color:var(--gold)}
.hero p{margin-top:18px;font-size:1.15rem;max-width:620px;opacity:.9}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.btn{display:inline-block;padding:14px 24px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2)}
.btn-outline{border-color:var(--gold);color:var(--white)}
.btn-outline:hover{background:rgba(201,162,39,.15)}
.hero-facts{display:flex;flex-wrap:wrap;gap:28px;margin-top:44px;font-size:.95rem}
.hero-facts div{display:flex;align-items:center;gap:8px}
.hero-facts b{color:var(--gold)}

/* Sections */
section{padding:76px 0}
.section-title{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--navy);margin-bottom:10px}
.section-sub{color:var(--muted);max-width:640px;margin-bottom:40px}
.eyebrow{color:var(--gold);font-weight:700;letter-spacing:.15em;font-size:.8rem;text-transform:uppercase;margin-bottom:6px}

.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{background:var(--white);border-radius:var(--radius);padding:28px;border-top:4px solid var(--gold);box-shadow:0 6px 24px rgba(15,31,61,.06)}
.card .icon{font-size:2rem;margin-bottom:12px}
.card h3{color:var(--navy);margin-bottom:8px}
.card ul{margin-top:12px;padding-left:18px;color:var(--muted);font-size:.95rem}

.dark{background:var(--navy);color:var(--white)}
.dark .section-title{color:var(--white)}
.dark .section-sub{color:#c7cfdf}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:22px;counter-reset:step}
.step{background:var(--navy-2);border:1px solid rgba(201,162,39,.35);border-radius:var(--radius);padding:26px}
.step::before{counter-increment:step;content:counter(step);display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;margin-bottom:12px}
.step h3{margin-bottom:6px}
.step p{color:#c7cfdf;font-size:.95rem}

.usp{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.usp div{background:var(--white);border-radius:var(--radius);padding:22px;border-left:4px solid var(--gold)}
.usp b{display:block;color:var(--navy);margin-bottom:4px}
.usp span{color:var(--muted);font-size:.95rem}

/* Form */
.form-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:28px;align-items:start}
form{background:var(--white);border-radius:var(--radius);padding:30px;box-shadow:0 6px 24px rgba(15,31,61,.06)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.9rem;margin:14px 0 6px;color:var(--navy)}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #d6d9e0;border-radius:10px;font:inherit;background:#fbfbfc}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
textarea{min-height:110px;resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-size:.88rem;color:var(--muted)}
.check input{width:auto;margin-top:4px}
form .btn{margin-top:22px;width:100%}
.hidden{display:none}

.side-box{background:var(--navy);color:var(--white);border-radius:var(--radius);padding:28px}
.side-box h3{color:var(--gold);margin-bottom:10px}
.side-box p{color:#c7cfdf;font-size:.95rem;margin-bottom:18px}
.side-box .btn{width:100%;text-align:center;margin-bottom:12px}
.contact-line{display:flex;gap:10px;align-items:center;margin-top:10px;font-size:.95rem}
.contact-line a{text-decoration:none}
.contact-line a:hover{color:var(--gold)}

/* Footer */
footer{background:#0a1630;color:#aab3c5;padding:36px 0;font-size:.9rem}
.foot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}
footer a{text-decoration:none}
footer a:hover{color:var(--gold)}

/* Legal pages */
.legal{background:var(--white);border-radius:var(--radius);padding:40px;margin:50px auto;max-width:860px}
.legal h1{color:var(--navy);margin-bottom:20px}
.legal h2{color:var(--navy);margin:28px 0 8px;font-size:1.2rem}
.legal p,.legal li{color:var(--ink);margin-bottom:8px}
.legal ul{padding-left:20px}

/* Floating WhatsApp */
.wa{position:fixed;right:18px;bottom:18px;background:#25d366;color:#fff;width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.25);z-index:20;text-decoration:none;font-size:1.7rem}

@media (max-width:860px){
  .nav ul{display:none}
  .form-grid{grid-template-columns:1fr}
  .row{grid-template-columns:1fr}
  .hero{padding:60px 0 70px}
}