:root {
  --ink: #102a2c;
  --ink-soft: #33585a;
  --pine: #0f6b62;
  --pine-dark: #084b47;
  --mint: #dff1eb;
  --cream: #f7f4ec;
  --paper: #fffefa;
  --gold: #d6a94f;
  --line: rgba(16, 42, 44, 0.14);
  --shadow: 0 22px 65px rgba(8, 75, 71, 0.12);
  --radius: 26px;
  --content: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
}

a { color: inherit; }

a:focus-visible,
button:focus-visible,
summary:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 4px;
}

.skip-link {
  position: fixed;
  left: 1rem;
  top: -5rem;
  z-index: 1000;
  padding: .7rem 1rem;
  color: #fff;
  background: var(--pine-dark);
  border-radius: .5rem;
}

.skip-link:focus { top: 1rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid var(--line);
  background: rgba(255, 254, 250, .94);
  backdrop-filter: blur(16px);
}

.nav-shell {
  width: min(var(--content), calc(100% - 2rem));
  min-height: 78px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: .75rem;
  font-weight: 800;
  letter-spacing: .04em;
  text-decoration: none;
}

.brand-mark {
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 11px;
  color: #fff;
  background: linear-gradient(145deg, var(--pine), var(--pine-dark));
  box-shadow: 0 8px 22px rgba(15, 107, 98, .2);
  font-size: .9rem;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: .4rem;
}

.site-nav a {
  padding: .55rem .8rem;
  color: var(--ink-soft);
  border-radius: 999px;
  font-size: .95rem;
  font-weight: 650;
  text-decoration: none;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  color: var(--pine-dark);
  background: var(--mint);
}

.nav-cta {
  color: #fff !important;
  background: var(--pine) !important;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 7.5rem 1rem 6rem;
  background:
    radial-gradient(circle at 82% 18%, rgba(214, 169, 79, .24), transparent 26rem),
    radial-gradient(circle at 14% 78%, rgba(105, 181, 165, .2), transparent 22rem),
    linear-gradient(135deg, #f9f7ef 0%, #edf6f1 100%);
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: .24;
  background-image:
    linear-gradient(var(--line) 1px, transparent 1px),
    linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: linear-gradient(to bottom, #000, transparent 85%);
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: min(var(--content), 100%);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(280px, .75fr);
  gap: 4rem;
  align-items: center;
}

.eyebrow {
  margin: 0 0 1rem;
  color: var(--pine);
  font-size: .8rem;
  font-weight: 850;
  letter-spacing: .16em;
  text-transform: uppercase;
}

h1, h2, h3 {
  margin-top: 0;
  line-height: 1.1;
  letter-spacing: -.03em;
}

h1 {
  max-width: 820px;
  margin-bottom: 1.4rem;
  font-size: clamp(3rem, 7vw, 6.6rem);
  font-weight: 800;
}

h2 { font-size: clamp(2.15rem, 4vw, 3.8rem); }
h3 { font-size: 1.35rem; }

.hero-copy {
  max-width: 720px;
  margin: 0 0 2rem;
  color: var(--ink-soft);
  font-size: clamp(1.05rem, 1.8vw, 1.3rem);
}

.button-row { display: flex; flex-wrap: wrap; gap: .8rem; }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: .72rem 1.1rem;
  border: 1px solid var(--pine);
  border-radius: 999px;
  font-weight: 750;
  text-decoration: none;
}

.button-primary { color: #fff; background: var(--pine); }
.button-primary:hover { background: var(--pine-dark); }
.button-secondary { color: var(--pine-dark); background: rgba(255,255,255,.62); }
.button-secondary:hover { background: #fff; }

.hero-card {
  padding: 2rem;
  color: #fff;
  border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--radius);
  background: linear-gradient(160deg, rgba(15,107,98,.98), rgba(8,75,71,.98));
  box-shadow: var(--shadow);
}

.hero-card p { color: rgba(255,255,255,.78); }

.mini-list { list-style: none; margin: 1.5rem 0 0; padding: 0; }
.mini-list li { padding: .72rem 0; border-top: 1px solid rgba(255,255,255,.16); }
.mini-list li::before { content: "✓"; margin-right: .65rem; color: #f5ce7a; font-weight: 900; }

.section { padding: 6rem 1rem; }
.section-alt { background: var(--cream); }
.section-dark { color: #fff; background: var(--ink); }
.section-dark p { color: rgba(255,255,255,.76); }
.section-inner { width: min(var(--content), 100%); margin: 0 auto; }
.section-intro { max-width: 760px; margin-bottom: 2.4rem; color: var(--ink-soft); font-size: 1.08rem; }

.service-grid,
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.card {
  padding: 1.7rem;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: rgba(255,255,255,.72);
  box-shadow: 0 12px 36px rgba(16, 42, 44, .05);
}

.card-number {
  display: inline-grid;
  width: 38px;
  height: 38px;
  margin-bottom: 1.2rem;
  place-items: center;
  color: var(--pine-dark);
  border-radius: 12px;
  background: var(--mint);
  font-weight: 850;
}

.card p { margin-bottom: 0; color: var(--ink-soft); }

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, .8fr);
  gap: 4rem;
  align-items: start;
}

.process { list-style: none; margin: 0; padding: 0; }
.process li { display: grid; grid-template-columns: 44px 1fr; gap: 1rem; padding: 1.1rem 0; border-top: 1px solid var(--line); }
.process strong { display: block; margin-bottom: .25rem; }
.process span:first-child { color: var(--gold); font-size: 1.1rem; font-weight: 900; }

.faq-list { max-width: 900px; }
.faq-list details { border-top: 1px solid var(--line); }
.faq-list details:last-child { border-bottom: 1px solid var(--line); }
.faq-list summary { cursor: pointer; list-style: none; padding: 1.25rem 2.5rem 1.25rem 0; font-weight: 750; position: relative; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: .4rem; top: 1rem; color: var(--pine); font-size: 1.5rem; }
.faq-list details[open] summary::after { content: "–"; }
.faq-list details p { margin: 0; padding: 0 3rem 1.3rem 0; color: var(--ink-soft); }

.page-hero { padding: 5.5rem 1rem 3.5rem; background: linear-gradient(135deg, var(--cream), var(--mint)); }
.page-hero-inner { width: min(900px, 100%); margin: 0 auto; }
.page-hero h1 { font-size: clamp(2.8rem, 6vw, 5.3rem); }
.page-hero p { max-width: 680px; color: var(--ink-soft); font-size: 1.15rem; }

.legal-wrap { width: min(900px, calc(100% - 2rem)); margin: 0 auto; padding: 4.5rem 0 6rem; }
.legal-wrap h2 { margin-top: 2.7rem; font-size: 1.65rem; }
.legal-wrap h3 { margin-top: 2rem; }
.legal-wrap p, .legal-wrap li { color: var(--ink-soft); }
.legal-wrap a { color: var(--pine-dark); font-weight: 650; }
.effective-date { display: inline-block; padding: .45rem .7rem; color: var(--pine-dark) !important; border-radius: 999px; background: var(--mint); font-size: .9rem; font-weight: 750; }

.contact-grid { width: min(var(--content), calc(100% - 2rem)); margin: 0 auto; padding: 5rem 0 6rem; display: grid; grid-template-columns: .85fr 1.15fr; gap: 2rem; }
.contact-card { padding: 2rem; border: 1px solid var(--line); border-radius: var(--radius); background: var(--cream); }
.contact-card address { font-style: normal; }
.contact-card a { color: var(--pine-dark); font-weight: 700; }
.contact-panel { padding: 2.2rem; color: #fff; border-radius: var(--radius); background: linear-gradient(155deg, var(--pine), var(--pine-dark)); }
.contact-panel p { color: rgba(255,255,255,.8); }
.disclosure { margin-top: 1.4rem; padding: 1rem; border: 1px solid rgba(255,255,255,.18); border-radius: 15px; background: rgba(255,255,255,.08); font-size: .93rem; }

.site-footer { padding: 3rem 1rem; color: rgba(255,255,255,.78); background: #071f21; }
.footer-inner { width: min(var(--content), 100%); margin: 0 auto; display: grid; grid-template-columns: 1fr auto; gap: 2rem; align-items: end; }
.footer-brand { color: #fff; font-weight: 850; letter-spacing: .04em; }
.footer-links { display: flex; flex-wrap: wrap; gap: .8rem 1rem; }
.footer-links a { color: rgba(255,255,255,.82); }
.footer-small { margin: 1rem 0 0; font-size: .86rem; }

@media (max-width: 840px) {
  .nav-shell { padding: .8rem 0; align-items: flex-start; flex-direction: column; gap: .6rem; }
  .site-nav { width: 100%; overflow-x: auto; padding-bottom: .2rem; }
  .site-nav a { white-space: nowrap; }
  .hero { padding-top: 5rem; }
  .hero-inner, .split, .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .service-grid, .trust-grid { grid-template-columns: 1fr 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .service-grid, .trust-grid { grid-template-columns: 1fr; }
  .section { padding: 4.5rem 1rem; }
  .hero-card, .contact-card, .contact-panel { padding: 1.4rem; }
  h1 { font-size: 3rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}