*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1a2744;
  --charcoal:#2c3e50;
  --text:#333;
  --text-light:#5a6a7a;
  --accent:#b8953e;
  --accent-hover:#9a7c2e;
  --bg:#fff;
  --bg-alt:#f8f9fb;
  --border:#e2e6ea;
  --radius:6px;
}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--text);background:var(--bg);line-height:1.65;font-size:16px}

/* NAV */
nav{position:fixed;top:0;width:100%;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--border);z-index:100;padding:0 24px}
.nav-inner{max-width:1120px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:64px}
.nav-logo{font-size:17px;font-weight:700;color:var(--navy);text-decoration:none;letter-spacing:-.3px}
.nav-logo span{color:var(--accent)}
.nav-links{display:flex;gap:28px;align-items:center;list-style:none}
.nav-links a{font-size:14px;color:var(--text-light);text-decoration:none;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--navy)}
.btn{display:inline-block;padding:10px 22px;border-radius:var(--radius);font-size:14px;font-weight:600;text-decoration:none;transition:all .2s;cursor:pointer;border:none}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-hover)}
.btn-outline{border:1.5px solid var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-sm{padding:8px 18px;font-size:13px}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:all .25s}

/* HERO */
.hero{padding:140px 24px 80px;text-align:center;background:linear-gradient(170deg,#f0f4f8 0%,#fff 60%)}
.hero h1{font-size:clamp(28px,4.5vw,44px);font-weight:800;color:var(--navy);max-width:780px;margin:0 auto 20px;line-height:1.2;letter-spacing:-.5px}
.hero p{font-size:17px;color:var(--text-light);max-width:660px;margin:0 auto 32px;line-height:1.7}
.hero-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* SECTIONS */
section{padding:80px 24px}
.container{max-width:1040px;margin:0 auto}
.section-label{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--accent);font-weight:700;margin-bottom:8px}
.section-title{font-size:clamp(24px,3vw,34px);font-weight:700;color:var(--navy);margin-bottom:16px;letter-spacing:-.3px}
.section-subtitle{font-size:16px;color:var(--text-light);max-width:620px;line-height:1.7}
.section-subtitle.center{margin:0 auto}
.text-center{text-align:center}

/* TRUST */
.trust{background:var(--bg-alt)}
.trust-text{font-size:18px;color:var(--charcoal);max-width:720px;margin:0 auto;text-align:center;line-height:1.75;font-weight:500}

/* SERVICES */
.services-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px;margin-top:40px}
.service-card{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:28px;transition:box-shadow .2s}
.service-card:hover{box-shadow:0 4px 20px rgba(0,0,0,.06)}
.service-card h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:10px}
.service-card p{font-size:14.5px;color:var(--text-light);line-height:1.65}
.service-icon{width:40px;height:40px;background:rgba(184,149,62,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:18px}

/* WHO WE HELP */
.who{background:var(--bg-alt)}
.who-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:14px;margin-top:36px}
.who-item{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:18px 20px;font-size:15px;font-weight:600;color:var(--navy)}

/* PROCESS */
.process-steps{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:24px;margin-top:40px;counter-reset:step}
.step{text-align:center;position:relative}
.step-num{width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:16px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.step h3{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:8px}
.step p{font-size:13.5px;color:var(--text-light);line-height:1.6}

/* WHY */
.why{background:var(--bg-alt)}
.why-content{max-width:700px;margin:0 auto}
.why-content p{font-size:16px;color:var(--text);line-height:1.75;margin-bottom:20px}
.why-content .highlight{font-weight:600;color:var(--navy);font-style:italic;border-left:3px solid var(--accent);padding-left:16px;margin:28px 0}

/* ABOUT */
.about-text{font-size:16px;color:var(--text);max-width:700px;line-height:1.75}
.about-text.center{margin:0 auto}

/* DISCLAIMER */
.disclaimer{background:var(--bg-alt);padding:48px 24px}
.disclaimer p{font-size:13px;color:var(--text-light);max-width:700px;margin:0 auto;text-align:center;line-height:1.7}

/* CONTACT */
.contact-inner{display:grid;grid-template-columns:1fr 1fr;gap:48px;margin-top:40px}
.contact-info h3{font-size:18px;color:var(--navy);margin-bottom:16px;font-weight:700}
.contact-info p{font-size:15px;color:var(--text-light);line-height:1.7;margin-bottom:20px}
.contact-detail{display:flex;align-items:center;gap:10px;font-size:14px;color:var(--text);margin-bottom:12px;font-weight:500}
.contact-detail svg{flex-shrink:0}
form{display:flex;flex-direction:column;gap:14px}
label{font-size:13px;font-weight:600;color:var(--navy)}
input,textarea{width:100%;padding:10px 14px;border:1px solid var(--border);border-radius:var(--radius);font-size:14px;font-family:inherit;color:var(--text);background:#fff;transition:border .2s}
input:focus,textarea:focus{outline:none;border-color:var(--accent)}
textarea{resize:vertical;min-height:100px}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,.6);padding:40px 24px;text-align:center;font-size:13px}
footer a{color:rgba(255,255,255,.8);text-decoration:none}

/* MOBILE */
@media(max-width:768px){
  .hamburger{display:flex}
  .nav-links{position:fixed;top:64px;left:0;right:0;background:#fff;flex-direction:column;padding:24px;gap:20px;border-bottom:1px solid var(--border);transform:translateY(-120%);transition:transform .3s;box-shadow:0 8px 24px rgba(0,0,0,.08)}
  .nav-links.open{transform:translateY(0)}
  .contact-inner{grid-template-columns:1fr}
  .hero{padding:120px 24px 60px}
  section{padding:60px 24px}
  .services-grid{grid-template-columns:1fr}
  .process-steps{grid-template-columns:1fr 1fr;gap:20px}
}
@media(max-width:480px){
  .process-steps{grid-template-columns:1fr}
  .who-grid{grid-template-columns:1fr}
}