@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,500;1,600&display=swap');

:root {
    --navy: #071321;
    --navy-2: #0c1c2d;
    --navy-3: #10263a;
    --gold: #c9a96e;
    --gold-light: #e1c995;
    --white: #ffffff;
    --off-white: #f7f7f4;
    --cream: #f0eee8;
    --text: #17202a;
    --muted: #68737d;
    --line: #dfe2df;
    --shadow: 0 24px 60px rgba(7, 19, 33, .10);
    --radius: 20px;
    --container: 1180px;
}

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

html { scroll-behavior: smooth; }

body {
    font-family: "DM Sans", sans-serif;
    color: var(--text);
    background: var(--white);
    line-height: 1.65;
    overflow-x: hidden;
}

body.menu-open { overflow: hidden; }

a { color: inherit; text-decoration: none; }

button, input, textarea, select { font: inherit; }

button { border: 0; }

img { max-width: 100%; display: block; }

address { font-style: normal; }

.container {
    width: min(calc(100% - 40px), var(--container));
    margin-inline: auto;
}

/* NAVIGATION */
.site-header {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 100;
    color: var(--white);
}

.navbar {
    height: 92px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.brand-mark {
    width: 43px;
    height: 43px;
    display: grid;
    place-items: center;
    border: 1px solid rgba(201, 169, 110, .65);
    color: var(--gold-light);
    border-radius: 12px;
    font-weight: 700;
    font-size: 13px;
    letter-spacing: -.05em;
}

.brand-text {
    display: flex;
    flex-direction: column;
    line-height: 1.1;
}

.brand-text strong {
    font-size: 14px;
    letter-spacing: .08em;
}

.brand-text small {
    color: var(--gold-light);
    font-size: 8px;
    letter-spacing: .19em;
    margin-top: 5px;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 27px;
}

.nav-menu > a {
    font-size: 13px;
    color: rgba(255,255,255,.72);
    transition: color .25s ease;
    position: relative;
}

.nav-menu > a:not(.nav-cta)::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: -8px;
    width: 0;
    height: 1px;
    background: var(--gold);
    transition: width .25s ease;
}

.nav-menu > a:hover,
.nav-menu > a.active { color: var(--white); }

.nav-menu > a.active::after,
.nav-menu > a:hover::after { width: 100%; }

.nav-cta {
    padding: 12px 18px;
    border: 1px solid rgba(201,169,110,.7);
    border-radius: 8px;
    color: var(--gold-light) !important;
}

.nav-cta:hover { background: var(--gold); color: var(--navy) !important; }

.menu-toggle {
    display: none;
    width: 44px;
    height: 44px;
    background: transparent;
    cursor: pointer;
}

.menu-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    margin: 5px auto;
    background: var(--white);
    transition: transform .25s, opacity .25s;
}

/* HERO */
.hero {
    position: relative;
    min-height: 760px;
    display: flex;
    align-items: center;
    overflow: hidden;
    background:
        radial-gradient(circle at 78% 42%, rgba(28, 61, 83, .8), transparent 29%),
        linear-gradient(115deg, #06111e 0%, #0a1929 55%, #10263a 100%);
    color: var(--white);
    padding: 130px 0 80px;
}

.hero::before,
.page-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    opacity: .28;
    background-image: linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 60px 60px;
    mask-image: linear-gradient(to bottom, black, transparent);
}

.hero-orb {
    position: absolute;
    border: 1px solid rgba(201,169,110,.14);
    border-radius: 50%;
}

.hero-orb-one { width: 580px; height: 580px; right: -200px; top: 90px; }
.hero-orb-two { width: 380px; height: 380px; right: -50px; top: 190px; }

.hero-grid {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.12fr .88fr;
    align-items: center;
    gap: 80px;
}

.eyebrow {
    display: flex;
    align-items: center;
    gap: 10px;
    color: #78838d;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .2em;
}

.eyebrow span {
    width: 26px;
    height: 1px;
    background: var(--gold);
}

.eyebrow.gold { color: var(--gold-light); }

.hero-content .eyebrow { color: rgba(255,255,255,.65); }

.hero h1,
.page-hero h1 {
    max-width: 760px;
    margin: 22px 0;
    font-family: "Playfair Display", serif;
    font-size: clamp(50px, 6vw, 78px);
    line-height: 1.02;
    font-weight: 500;
    letter-spacing: -.045em;
}

h1 em, h2 em { color: var(--gold); font-style: italic; }

.hero-lead {
    max-width: 610px;
    color: rgba(255,255,255,.68);
    font-size: 17px;
    line-height: 1.8;
}

.hero-actions {
    display: flex;
    gap: 14px;
    margin: 34px 0 40px;
    flex-wrap: wrap;
}

.btn {
    min-height: 50px;
    padding: 0 23px;
    border-radius: 9px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 14px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .04em;
    transition: transform .25s, box-shadow .25s, background .25s, color .25s;
}

.btn span { font-size: 18px; line-height: 0; }

.btn:hover { transform: translateY(-3px); }

.btn-primary {
    color: var(--navy);
    background: var(--gold);
    box-shadow: 0 12px 30px rgba(201,169,110,.18);
}

.btn-primary:hover { background: var(--gold-light); box-shadow: 0 16px 35px rgba(201,169,110,.28); }

.btn-outline {
    color: var(--white);
    border: 1px solid rgba(255,255,255,.28);
    background: rgba(255,255,255,.03);
}

.btn-outline:hover { border-color: var(--gold); color: var(--gold-light); }

.btn-outline-dark {
    color: var(--navy);
    border: 1px solid #cfd3d0;
    background: transparent;
}

.btn-outline-dark:hover { border-color: var(--navy); }

.btn-light { color: var(--navy); background: var(--white); }
.btn-light:hover { background: var(--gold-light); }

.hero-trust {
    display: flex;
    gap: 32px;
}

.hero-trust > div {
    padding-left: 17px;
    border-left: 1px solid rgba(255,255,255,.16);
}

.hero-trust strong { display: block; font-size: 16px; color: var(--white); }
.hero-trust span { color: rgba(255,255,255,.42); font-size: 10px; text-transform: uppercase; letter-spacing: .12em; }

.hero-card-wrap { perspective: 1000px; }

.hero-card {
    max-width: 440px;
    margin-left: auto;
    padding: 32px;
    border: 1px solid rgba(255,255,255,.13);
    border-radius: 24px;
    background: linear-gradient(145deg, rgba(255,255,255,.10), rgba(255,255,255,.025));
    box-shadow: 0 35px 90px rgba(0,0,0,.25);
    backdrop-filter: blur(14px);
}

.card-topline {
    display: flex;
    justify-content: space-between;
    color: rgba(255,255,255,.45);
    font-size: 9px;
    letter-spacing: .17em;
}

.verified-dot {
    width: 7px;
    height: 7px;
    background: var(--gold);
    border-radius: 50%;
    box-shadow: 0 0 0 5px rgba(201,169,110,.1);
}

.shield-icon {
    width: 66px;
    height: 66px;
    display: grid;
    place-items: center;
    margin: 50px 0 22px;
    color: var(--gold-light);
    border: 1px solid rgba(201,169,110,.35);
    border-radius: 20px;
    font-size: 24px;
}

.hero-card h3 { font-family: "Playfair Display", serif; font-size: 30px; font-weight: 500; }
.hero-card > p { color: rgba(255,255,255,.5); margin: 5px 0 35px; font-size: 13px; }

.profile-row {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    padding: 13px 0;
    border-top: 1px solid rgba(255,255,255,.09);
    font-size: 10px;
}

.profile-row span { color: rgba(255,255,255,.4); }
.profile-row strong { color: rgba(255,255,255,.8); text-align: right; font-size: 10px; }

.trust-strip { background: #0b1a29; color: var(--white); }

.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}

.trust-item {
    padding: 25px 20px;
    display: flex;
    gap: 15px;
    align-items: center;
    border-right: 1px solid rgba(255,255,255,.07);
}

.trust-number { color: var(--gold); font-size: 10px; }
.trust-item strong { display: block; font-size: 12px; }
.trust-item small { color: rgba(255,255,255,.38); font-size: 10px; }

/* GENERAL */
.section { padding: 115px 0; }

.soft-section { background: var(--off-white); }

.section-heading { max-width: 700px; }
.section-heading.centered { margin: 0 auto 58px; text-align: center; }
.section-heading.centered .eyebrow { justify-content: center; }

.section-heading h2,
.why-content h2,
.values-grid h2,
.faq-intro h2,
.contact-details h2,
.claim-help h2,
.two-column h2 {
    margin-top: 16px;
    font-family: "Playfair Display", serif;
    font-weight: 500;
    font-size: clamp(38px, 4.3vw, 58px);
    line-height: 1.08;
    letter-spacing: -.035em;
}

.section-heading p { color: var(--muted); margin-top: 18px; }

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 15px;
}

.stat-card {
    min-height: 190px;
    padding: 30px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    transition: transform .3s, box-shadow .3s;
}

.stat-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }

.stat-card strong {
    display: block;
    color: var(--navy);
    font-family: "Playfair Display", serif;
    font-size: 40px;
}

.stat-card span { display: block; font-weight: 700; font-size: 13px; }
.stat-card small { color: var(--muted); display: block; margin-top: 9px; font-size: 11px; line-height: 1.5; }

.dark-section {
    background: var(--navy);
    color: var(--white);
}

.split-heading {
    display: grid;
    grid-template-columns: 1fr .7fr;
    gap: 80px;
    max-width: none;
    margin-bottom: 58px;
}

.split-heading p {
    align-self: end;
    color: rgba(255,255,255,.55);
    font-size: 15px;
}

.service-preview-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 15px;
}

.service-preview {
    position: relative;
    min-height: 355px;
    padding: 28px;
    border: 1px solid rgba(255,255,255,.10);
    border-radius: var(--radius);
    overflow: hidden;
    transition: transform .3s, background .3s, border-color .3s;
}

.service-preview::after {
    content: "";
    position: absolute;
    width: 150px;
    height: 150px;
    right: -75px;
    bottom: -75px;
    border: 1px solid rgba(201,169,110,.18);
    border-radius: 50%;
}

.service-preview:hover {
    transform: translateY(-8px);
    border-color: rgba(201,169,110,.35);
    background: rgba(255,255,255,.035);
}

.service-number { color: var(--gold); font-size: 10px; letter-spacing: .1em; }
.service-icon { margin: 54px 0 20px; color: var(--gold-light); font-size: 28px; }
.service-preview h3 { font-family: "Playfair Display", serif; font-size: 24px; font-weight: 500; }
.service-preview p { margin: 9px 0 24px; color: rgba(255,255,255,.45); font-size: 12px; line-height: 1.7; }
.text-link { color: var(--gold-light); font-size: 11px; font-weight: 700; }

.why-grid {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: 110px;
    align-items: center;
}

.visual-frame {
    aspect-ratio: 1 / 1.05;
    max-width: 450px;
    position: relative;
    border: 1px solid var(--line);
    background: linear-gradient(145deg, #f3f1ea, #e8e7e0);
    border-radius: 24px;
    display: grid;
    place-items: center;
    overflow: hidden;
}

.visual-frame::before,
.visual-frame::after {
    content: "";
    position: absolute;
    border: 1px solid rgba(7,19,33,.12);
    border-radius: 50%;
}

.visual-frame::before { width: 300px; height: 300px; }
.visual-frame::after { width: 420px; height: 420px; }

.frame-label,
.frame-caption {
    position: absolute;
    z-index: 2;
    color: #788079;
    font-size: 9px;
    letter-spacing: .18em;
}

.frame-label { top: 27px; left: 27px; }
.frame-caption { bottom: 27px; right: 27px; }

.visual-monogram {
    position: relative;
    z-index: 2;
    color: var(--navy);
    font-family: "Playfair Display", serif;
    font-size: 100px;
    font-weight: 600;
    letter-spacing: -.1em;
}

.why-content > p { color: var(--muted); margin: 22px 0 35px; max-width: 590px; }

.feature-list { border-top: 1px solid var(--line); }

.feature {
    display: grid;
    grid-template-columns: 45px 1fr;
    gap: 15px;
    padding: 19px 0;
    border-bottom: 1px solid var(--line);
}

.feature > span { color: var(--gold); font-size: 10px; padding-top: 2px; }
.feature strong { font-size: 13px; }
.feature p { margin-top: 4px; color: var(--muted); font-size: 11px; }

.process-section { background: var(--off-white); }

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}

.process-step {
    padding: 25px;
    border-top: 1px solid #cfd3d0;
    border-right: 1px solid #cfd3d0;
}

.process-step:first-child { border-left: 1px solid #cfd3d0; }
.process-step > span { color: var(--gold); font-size: 10px; }
.process-step h3 { margin: 35px 0 9px; font-family: "Playfair Display", serif; font-size: 22px; font-weight: 500; }
.process-step p { color: var(--muted); font-size: 12px; }

.cta-section {
    padding: 85px 0;
    background: linear-gradient(110deg, #0a1b2b, #10283c);
    color: var(--white);
}

.cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
}

.cta-inner h2 {
    max-width: 720px;
    margin-top: 13px;
    font-family: "Playfair Display", serif;
    font-weight: 500;
    font-size: clamp(34px, 4vw, 52px);
    line-height: 1.1;
}

/* PAGE HERO */
.page-hero {
    position: relative;
    min-height: 480px;
    display: flex;
    align-items: flex-end;
    padding: 150px 0 80px;
    background:
        radial-gradient(circle at 85% 50%, rgba(28,61,83,.75), transparent 35%),
        linear-gradient(120deg, #06111e, #0d2031);
    color: var(--white);
    overflow: hidden;
}

.page-hero-content { position: relative; z-index: 2; }

.page-hero h1 { font-size: clamp(48px, 6vw, 72px); margin-bottom: 18px; }
.page-hero p { max-width: 650px; color: rgba(255,255,255,.57); font-size: 16px; }
.compact-hero { min-height: 400px; }

/* ABOUT */
.about-intro {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 100px;
}

.about-copy { color: var(--muted); font-size: 15px; }
.about-copy p + p { margin-top: 20px; }
.about-copy strong { color: var(--text); }

.info-table {
    max-width: 900px;
    margin: auto;
    border-top: 1px solid rgba(255,255,255,.12);
}

.info-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
    padding: 20px 25px;
    border-bottom: 1px solid rgba(255,255,255,.12);
}

.info-row span { color: rgba(255,255,255,.43); font-size: 12px; }
.info-row strong { color: rgba(255,255,255,.9); font-size: 13px; }

.owner-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 100px;
    align-items: center;
}

.owner-card {
    padding: 50px;
    border-radius: var(--radius);
    background: var(--navy);
    color: var(--white);
    box-shadow: var(--shadow);
}

.owner-initials {
    width: 82px;
    height: 82px;
    display: grid;
    place-items: center;
    border: 1px solid rgba(201,169,110,.4);
    border-radius: 50%;
    color: var(--gold-light);
    font-family: "Playfair Display", serif;
    font-size: 26px;
    margin-bottom: 55px;
}

.owner-card h3 { font-family: "Playfair Display", serif; font-size: 30px; font-weight: 500; margin: 13px 0 7px; }
.owner-card p { color: rgba(255,255,255,.48); font-size: 12px; margin-bottom: 25px; }

.address-card {
    margin-top: 30px;
    padding: 30px;
    border-left: 2px solid var(--gold);
    background: var(--off-white);
    color: var(--muted);
    font-size: 14px;
}

.address-card strong { display: block; color: var(--navy); margin-bottom: 10px; }

.unit-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    max-width: 900px;
    margin: auto;
}

.unit-card {
    position: relative;
    padding: 40px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--white);
}

.unit-number { color: var(--gold); font-size: 10px; }
.unit-card h3 { margin: 45px 0 12px; font-family: "Playfair Display", serif; font-size: 27px; font-weight: 500; }
.unit-card p { color: var(--muted); font-size: 12px; }
.unit-tag { display: inline-block; margin-top: 25px; padding: 6px 10px; background: var(--cream); font-size: 9px; letter-spacing: .1em; }

.values-grid {
    display: grid;
    grid-template-columns: .8fr 1.2fr;
    gap: 110px;
}

.values-grid > div > p { color: var(--muted); margin-top: 22px; max-width: 480px; }

.value-list { border-top: 1px solid var(--line); }
.value-item {
    display: grid;
    grid-template-columns: 45px 1fr;
    gap: 15px;
    padding: 22px 0;
    border-bottom: 1px solid var(--line);
}
.value-item > span { color: var(--gold); font-size: 10px; }
.value-item h3 { font-size: 14px; }
.value-item p { color: var(--muted); font-size: 11px; margin-top: 4px; }

/* SERVICES */
.services-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 17px;
}

.service-card {
    min-height: 350px;
    padding: 27px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    transition: transform .3s, box-shadow .3s, border-color .3s;
}

.service-card:hover {
    transform: translateY(-7px);
    box-shadow: var(--shadow);
    border-color: #c6b68f;
}

.service-card-top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    color: var(--gold);
    font-size: 10px;
}

.large-icon { font-size: 27px; }

.service-card h3 { margin-top: 70px; font-family: "Playfair Display", serif; font-size: 25px; font-weight: 500; }
.service-card p { color: var(--muted); font-size: 12px; line-height: 1.7; margin: 10px 0 25px; }

.card-link {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 15px;
    border-top: 1px solid var(--line);
    color: var(--navy);
    font-size: 11px;
    font-weight: 700;
}

.card-link span { color: var(--gold); font-size: 17px; }

.service-note {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 90px;
    align-items: center;
}

.service-note h2 {
    margin-top: 15px;
    font-family: "Playfair Display", serif;
    font-size: clamp(36px, 4vw, 52px);
    line-height: 1.1;
    font-weight: 500;
}

.service-note p { color: rgba(255,255,255,.52); font-size: 14px; }

/* PLANS */
.plan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
    align-items: stretch;
}

.plan-card {
    position: relative;
    padding: 42px 34px;
    border: 1px solid var(--line);
    border-radius: 22px;
    background: var(--white);
}

.plan-card.featured {
    border-color: var(--gold);
    box-shadow: 0 25px 65px rgba(7,19,33,.13);
    transform: translateY(-10px);
}

.featured-tag {
    position: absolute;
    top: 0;
    left: 50%;
    transform: translate(-50%, -50%);
    white-space: nowrap;
    background: var(--gold);
    color: var(--navy);
    padding: 7px 13px;
    border-radius: 20px;
    font-size: 8px;
    font-weight: 700;
    letter-spacing: .1em;
}

.plan-label { color: var(--gold); font-size: 9px; letter-spacing: .16em; font-weight: 700; }
.plan-card h2 { margin: 20px 0 10px; font-family: "Playfair Display", serif; font-size: 31px; font-weight: 500; }
.plan-card > p { color: var(--muted); font-size: 12px; min-height: 62px; }

.plan-price {
    padding: 22px 0;
    margin: 22px 0;
    border-block: 1px solid var(--line);
}
.plan-price small { display: block; color: var(--muted); font-size: 9px; text-transform: uppercase; letter-spacing: .1em; }
.plan-price strong { display: block; margin-top: 3px; font-family: "Playfair Display", serif; font-size: 22px; font-weight: 500; }

.check-list { list-style: none; margin-bottom: 28px; min-height: 155px; }
.check-list li { position: relative; padding: 6px 0 6px 21px; color: var(--muted); font-size: 11px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--gold); font-weight: 700; }

.plan-card .btn { width: 100%; }

.plan-disclaimer {
    max-width: 900px;
    margin: 40px auto 0;
    padding: 18px 22px;
    background: var(--off-white);
    border-left: 2px solid var(--gold);
    color: var(--muted);
    font-size: 11px;
}

.plan-disclaimer strong { color: var(--text); }

.two-column {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 100px;
    align-items: center;
}

.mini-process { border-top: 1px solid var(--line); }
.mini-process div { display: flex; gap: 25px; padding: 17px 0; border-bottom: 1px solid var(--line); }
.mini-process span { color: var(--gold); font-size: 10px; }
.mini-process p { font-size: 12px; font-weight: 600; }

/* CLAIMS */
.claim-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}

.claim-step {
    padding: 28px;
    border-top: 1px solid var(--line);
    border-right: 1px solid var(--line);
}

.claim-step:first-child { border-left: 1px solid var(--line); }
.claim-step > span { color: var(--gold); font-size: 10px; }
.step-icon {
    width: 55px;
    height: 55px;
    display: grid;
    place-items: center;
    margin: 45px 0 25px;
    border-radius: 15px;
    background: var(--off-white);
    color: var(--navy);
    font-size: 20px;
}
.claim-step h3 { font-family: "Playfair Display", serif; font-size: 24px; font-weight: 500; }
.claim-step p { color: var(--muted); font-size: 11px; margin-top: 10px; }

.checklist-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 100px;
    align-items: center;
}

.checklist-grid h2 {
    margin-top: 15px;
    font-family: "Playfair Display", serif;
    font-size: clamp(38px, 4vw, 54px);
    font-weight: 500;
    line-height: 1.1;
}

.checklist-grid > div > p { margin-top: 20px; color: rgba(255,255,255,.5); font-size: 13px; }

.checklist { border-top: 1px solid rgba(255,255,255,.12); }
.checklist div { padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.68); font-size: 12px; }
.checklist span { color: var(--gold); margin-right: 12px; }

.claim-help { display: flex; justify-content: center; }
.claim-help-card {
    width: min(750px, 100%);
    padding: 55px;
    text-align: center;
    border: 1px solid var(--line);
    border-radius: 25px;
    background: var(--off-white);
}
.claim-help-card .eyebrow { justify-content: center; }
.claim-help-card h2 { margin: 15px 0; }
.claim-help-card p { color: var(--muted); max-width: 550px; margin: 0 auto 25px; font-size: 13px; }

/* FAQ */
.faq-layout {
    display: grid;
    grid-template-columns: .7fr 1.3fr;
    gap: 100px;
    align-items: start;
}

.faq-intro {
    position: sticky;
    top: 120px;
}

.faq-intro p { color: var(--muted); margin: 22px 0 28px; font-size: 13px; }

.faq-list { border-top: 1px solid var(--line); }

.faq-item { border-bottom: 1px solid var(--line); }

.faq-question {
    width: 100%;
    padding: 22px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    background: transparent;
    color: var(--text);
    text-align: left;
    cursor: pointer;
    font-weight: 600;
    font-size: 14px;
}

.faq-question span {
    width: 26px;
    height: 26px;
    display: grid;
    place-items: center;
    flex-shrink: 0;
    border: 1px solid var(--line);
    border-radius: 50%;
    color: var(--gold);
    transition: transform .3s, background .3s;
}

.faq-item.open .faq-question span {
    transform: rotate(45deg);
    background: var(--navy);
    border-color: var(--navy);
}

.faq-answer { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-answer p { color: var(--muted); font-size: 12px; padding: 0 50px 22px 0; }

/* CONTACT */
.contact-grid {
    display: grid;
    grid-template-columns: .85fr 1.15fr;
    gap: 90px;
    align-items: start;
}

.contact-details > p { max-width: 450px; color: var(--muted); margin: 20px 0 40px; font-size: 13px; }

.contact-item {
    display: flex;
    gap: 18px;
    padding: 19px 0;
    border-top: 1px solid var(--line);
}

.contact-icon {
    width: 36px;
    height: 36px;
    display: grid;
    place-items: center;
    border: 1px solid var(--line);
    border-radius: 10px;
    color: var(--gold);
    flex-shrink: 0;
}

.contact-item small { display: block; color: var(--muted); font-size: 9px; text-transform: uppercase; letter-spacing: .12em; }
.contact-item a, .contact-item strong, .contact-item address { display: block; margin-top: 4px; font-size: 12px; line-height: 1.65; }
.contact-item a:hover { color: var(--gold); }

.form-card {
    padding: 45px;
    border: 1px solid var(--line);
    border-radius: 24px;
    box-shadow: var(--shadow);
}

.form-card h2 { margin: 14px 0 28px; font-family: "Playfair Display", serif; font-size: 39px; font-weight: 500; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-field { margin-bottom: 17px; }

.form-field label {
    display: block;
    margin-bottom: 7px;
    color: #4f5961;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .06em;
}

.form-field input,
.form-field select,
.form-field textarea {
    width: 100%;
    padding: 13px 14px;
    border: 1px solid #d8dcda;
    border-radius: 8px;
    outline: none;
    color: var(--text);
    background: #fff;
    font-size: 12px;
    transition: border .2s, box-shadow .2s;
}

.form-field textarea { resize: vertical; min-height: 125px; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(201,169,110,.1);
}

.form-field.invalid input,
.form-field.invalid select,
.form-field.invalid textarea { border-color: #bb6464; }

.field-error { display: block; min-height: 15px; margin-top: 3px; color: #a94e4e; font-size: 9px; }

.form-submit { margin-top: 4px; }
.form-note { margin-top: 15px; color: var(--muted); font-size: 9px; line-height: 1.6; }
.form-status { margin-top: 13px; font-size: 11px; }
.form-status.success { color: #317354; }
.form-status.error { color: #a94e4e; }

/* LEGAL */
.legal-section { padding: 90px 0 110px; }

.legal-content {
    max-width: 850px;
}

.legal-updated {
    margin-bottom: 50px;
    color: var(--gold);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
}

.legal-content h2 {
    margin: 40px 0 12px;
    font-family: "Playfair Display", serif;
    font-size: 27px;
    font-weight: 500;
}

.legal-content h2:first-of-type { margin-top: 0; }

.legal-content p {
    color: var(--muted);
    font-size: 13px;
    line-height: 1.9;
}

.legal-contact {
    display: flex;
    flex-direction: column;
    gap: 5px;
    margin-top: 20px;
    padding: 24px;
    border-left: 2px solid var(--gold);
    background: var(--off-white);
    font-size: 12px;
}

.legal-contact a:hover { color: var(--gold); }

/* FOOTER */
.site-footer {
    background: #050f1a;
    color: var(--white);
    padding-top: 70px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr .7fr .9fr 1fr;
    gap: 50px;
    padding-bottom: 60px;
}

.footer-brand p { max-width: 300px; margin: 22px 0; color: rgba(255,255,255,.4); font-size: 11px; }
.footer-registration { color: var(--gold); font-size: 9px; letter-spacing: .1em; }

.footer-column { display: flex; flex-direction: column; align-items: flex-start; }
.footer-column h4 { margin-bottom: 17px; color: var(--white); font-size: 10px; letter-spacing: .14em; text-transform: uppercase; }
.footer-column a { margin: 4px 0; color: rgba(255,255,255,.4); font-size: 11px; transition: color .2s; }
.footer-column a:hover { color: var(--gold-light); }
.footer-contact p { margin-top: 12px; color: rgba(255,255,255,.35); font-size: 10px; line-height: 1.8; }

.footer-bottom {
    min-height: 65px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    border-top: 1px solid rgba(255,255,255,.08);
    color: rgba(255,255,255,.3);
    font-size: 9px;
}

.footer-bottom div { display: flex; gap: 20px; }
.footer-bottom a:hover { color: var(--gold-light); }

/* REVEAL */
.reveal {
    opacity: 0;
    transform: translateY(22px);
    transition: opacity .7s ease, transform .7s ease;
}

.reveal.visible {
    opacity: 1;
    transform: translateY(0);
}

.delay-1 { transition-delay: .1s; }
.delay-2 { transition-delay: .18s; }
.delay-3 { transition-delay: .26s; }

/* BACK TO TOP */
.back-top {
    position: fixed;
    z-index: 90;
    right: 22px;
    bottom: 22px;
    width: 43px;
    height: 43px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--gold);
    color: var(--navy);
    cursor: pointer;
    box-shadow: 0 10px 30px rgba(0,0,0,.18);
    opacity: 0;
    pointer-events: none;
    transform: translateY(10px);
    transition: opacity .25s, transform .25s;
}

.back-top.visible { opacity: 1; pointer-events: auto; transform: translateY(0); }

/* RESPONSIVE */
@media (max-width: 1050px) {
    .nav-menu { gap: 17px; }
    .hero-grid { gap: 45px; }
    .service-preview-grid, .services-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .why-grid, .about-intro, .owner-grid, .values-grid, .contact-grid, .checklist-grid { gap: 60px; }
    .footer-grid { grid-template-columns: 1.3fr 1fr 1fr; }
    .footer-contact { grid-column: 2 / 4; }
}

@media (max-width: 800px) {
    .container { width: min(calc(100% - 30px), var(--container)); }

    .navbar { height: 78px; }

    .menu-toggle { display: block; position: relative; z-index: 101; }

    .nav-menu {
        position: fixed;
        inset: 0;
        width: 100%;
        height: 100vh;
        padding: 110px 30px 40px;
        background: var(--navy);
        flex-direction: column;
        justify-content: flex-start;
        align-items: stretch;
        gap: 0;
        opacity: 0;
        visibility: hidden;
        transform: translateY(-10px);
        transition: opacity .25s, transform .25s, visibility .25s;
    }

    .nav-menu.open { opacity: 1; visibility: visible; transform: translateY(0); }

    .nav-menu > a {
        padding: 17px 0;
        border-bottom: 1px solid rgba(255,255,255,.08);
        font-size: 15px;
    }

    .nav-menu > a:not(.nav-cta)::after { display: none; }

    .nav-cta {
        margin-top: 20px;
        text-align: center;
        border: 1px solid var(--gold);
    }

    .menu-toggle.active span:first-child { transform: translateY(7px) rotate(45deg); }
    .menu-toggle.active span:nth-child(2) { opacity: 0; }
    .menu-toggle.active span:last-child { transform: translateY(-7px) rotate(-45deg); }

    .hero { min-height: auto; padding: 135px 0 70px; }
    .hero-grid, .about-intro, .owner-grid, .values-grid, .service-note, .two-column, .checklist-grid, .contact-grid, .faq-layout {
        grid-template-columns: 1fr;
    }

    .hero h1 { font-size: clamp(45px, 12vw, 65px); }
    .hero-card { margin: 20px auto 0; }
    .hero-trust { gap: 18px; flex-wrap: wrap; }
    .trust-grid { grid-template-columns: repeat(2, 1fr); }
    .trust-item:nth-child(2) { border-right: 0; }
    .trust-item:nth-child(3) { border-top: 1px solid rgba(255,255,255,.07); }
    .trust-item:nth-child(4) { border-top: 1px solid rgba(255,255,255,.07); }

    .section { padding: 80px 0; }
    .split-heading { grid-template-columns: 1fr; gap: 15px; }
    .service-preview-grid, .services-grid { grid-template-columns: 1fr 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .visual-frame { margin: auto; }
    .process-grid, .claim-steps { grid-template-columns: 1fr 1fr; }
    .process-step:nth-child(3), .process-step:nth-child(4) { border-top: 0; }
    .process-step:nth-child(odd) { border-left: 1px solid #cfd3d0; }
    .plan-grid { grid-template-columns: 1fr; max-width: 600px; margin: auto; }
    .plan-card.featured { transform: none; }
    .faq-intro { position: static; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-contact { grid-column: auto; }
}

@media (max-width: 550px) {
    .hero { padding-top: 120px; }
    .hero h1, .page-hero h1 { font-size: 44px; }
    .hero-lead { font-size: 14px; }
    .hero-actions { flex-direction: column; align-items: stretch; }
    .hero-actions .btn { width: 100%; }
    .hero-trust { display: grid; grid-template-columns: 1fr 1fr; }

    .trust-grid { grid-template-columns: 1fr; }
    .trust-item { border-right: 0; border-top: 1px solid rgba(255,255,255,.07); }

    .stats-grid, .service-preview-grid, .services-grid, .unit-grid, .process-grid, .claim-steps {
        grid-template-columns: 1fr;
    }

    .service-preview { min-height: 300px; }
    .process-step, .claim-step { border-left: 1px solid var(--line); }
    .process-step + .process-step { border-top: 0; }
    .claim-step + .claim-step { border-top: 0; }

    .page-hero { min-height: 430px; padding-bottom: 65px; }
    .compact-hero { min-height: 360px; }

    .owner-card, .form-card, .claim-help-card { padding: 30px 23px; }

    .form-grid { grid-template-columns: 1fr; gap: 0; }
    .footer-grid { grid-template-columns: 1fr; gap: 35px; }
    .footer-contact { grid-column: auto; }
    .footer-bottom { padding: 20px 0; flex-direction: column; align-items: flex-start; }
    .footer-bottom div { flex-wrap: wrap; gap: 12px; }

    .info-row { grid-template-columns: 1fr; gap: 4px; padding: 17px 12px; }
    .service-note { gap: 35px; }
    .cta-inner { flex-direction: column; align-items: flex-start; }
    .cta-inner .btn { width: 100%; }

    .legal-section { padding: 70px 0 85px; }
}

/* REDUCED MOTION */
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
    }
    .reveal { opacity: 1; transform: none; }
}