*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
:root {
    --navy: #1a2b4a; --navy-light: #2a3f6a;
    --gold: #c9a84c; --white: #ffffff; --off-white: #f7f5f2;
    --border: rgba(26,43,74,0.1); --border-mid: rgba(26,43,74,0.22);
    --muted: #5a6a7e; --radius-md: 8px; --radius-lg: 12px;
}
body { font-family: 'Jost', sans-serif; font-weight: 300; font-size: 16px; line-height: 1.7; color: var(--navy); background: var(--white); }

.nav { border-bottom: 1px solid var(--border); padding: 1rem 2rem; display: flex; align-items: center; justify-content: space-between; background: var(--white); position: sticky; top: 0; z-index: 100; }
.nav-logo img { height: 48px; width: auto; display: block; }
.nav-phone { font-size: 14px; font-weight: 500; color: var(--navy); text-decoration: none; }
.nav-cta { font-size: 13px; font-weight: 500; color: var(--white); background: var(--navy); padding: 9px 20px; border-radius: var(--radius-md); text-decoration: none; transition: background 0.2s; }
.nav-cta:hover { background: var(--navy-light); }

.trust-bar { background: var(--navy); padding: 0.8rem 2rem; display: flex; gap: 2.5rem; justify-content: center; flex-wrap: wrap; }
.trust-item { font-size: 12px; font-weight: 400; color: rgba(255,255,255,0.82); letter-spacing: 0.05em; display: flex; align-items: center; gap: 6px; }
.trust-item::before { content: '✦'; color: var(--gold); font-size: 9px; }

.hero { text-align: center; padding: 5rem 2rem 4rem; border-bottom: 1px solid var(--border); }
.breadcrumb { font-size: 12px; color: var(--muted); margin-bottom: 1.5rem; }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb span { padding: 0 6px; opacity: 0.35; }
.hero-tag { font-size: 11px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); margin-bottom: 0.8rem; }
.hero h1 { font-family: 'Cormorant Garamond', serif; font-weight: 300; font-size: 54px; line-height: 1.05; color: var(--navy); }
.hero h1 em { font-style: italic; }
.hero-sub { font-size: 16px; font-weight: 300; color: var(--muted); max-width: 540px; margin: 1rem auto 2rem; line-height: 1.7; }
.cta-row { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.btn-navy { background: var(--navy); color: var(--white); border: none; padding: 13px 30px; font-family: 'Jost', sans-serif; font-size: 14px; font-weight: 500; border-radius: var(--radius-md); cursor: pointer; text-decoration: none; display: inline-block; transition: background 0.2s; }
.btn-navy:hover { background: var(--navy-light); }
.btn-outline { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); padding: 13px 30px; font-family: 'Jost', sans-serif; font-size: 14px; font-weight: 400; border-radius: var(--radius-md); cursor: pointer; text-decoration: none; display: inline-block; transition: background 0.2s, color 0.2s; }
.btn-outline:hover { background: var(--navy); color: var(--white); }

.section { padding: 4rem 2rem; background: var(--white); }
.section-alt { padding: 4rem 2rem; background: var(--off-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.container { max-width: 1100px; margin: 0 auto; }
.section-tag { font-size: 11px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); margin-bottom: 0.5rem; }
.section-title { font-family: 'Cormorant Garamond', serif; font-size: 38px; font-weight: 300; line-height: 1.15; color: var(--navy); }
.section-title em { font-style: italic; }
.divider { width: 36px; height: 2px; background: var(--navy); margin: 1.2rem 0 2rem; border-radius: 2px; opacity: 0.2; }

.stat-band { display: grid; grid-template-columns: repeat(4, 1fr); border-bottom: 1px solid var(--border); }
.stat-box { padding: 2rem 1.5rem; text-align: center; border-right: 1px solid var(--border); }
.stat-box:last-child { border-right: none; }
.stat-num { font-family: 'Cormorant Garamond', serif; font-size: 36px; font-weight: 300; color: var(--navy); line-height: 1; }
.stat-label { font-size: 12px; font-weight: 300; color: var(--muted); margin-top: 4px; }

.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 2rem; }
.why-card { border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem 1.5rem; background: var(--white); }
.why-icon { font-size: 24px; margin-bottom: 0.75rem; }
.why-title { font-family: 'Cormorant Garamond', serif; font-size: 20px; font-weight: 400; color: var(--navy); margin-bottom: 0.4rem; }
.why-desc { font-size: 13px; font-weight: 300; color: var(--muted); line-height: 1.65; }

.how-band { background: var(--navy); padding: 4rem 2rem; }
.how-inner { max-width: 1100px; margin: 0 auto; }
.how-tag { font-size: 11px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.5rem; }
.how-title { font-family: 'Cormorant Garamond', serif; font-size: 38px; font-weight: 300; color: var(--white); margin-bottom: 0.5rem; }
.how-title em { font-style: italic; }
.how-divider { width: 36px; height: 2px; background: var(--gold); margin: 1.2rem 0 2rem; border-radius: 2px; opacity: 0.5; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
.step-num { font-family: 'Cormorant Garamond', serif; font-size: 42px; font-weight: 300; color: var(--white); opacity: 0.2; line-height: 1; margin-bottom: 0.5rem; }
.step-title { font-size: 15px; font-weight: 500; color: var(--white); margin-bottom: 6px; }
.step-desc { font-size: 13px; font-weight: 300; color: rgba(255,255,255,0.7); line-height: 1.6; }

.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; margin-top: 2rem; }
.svc-card { background: var(--white); padding: 1.75rem 1.5rem; border-right: 1px solid var(--border); border-bottom: 1px solid var(--border); transition: background 0.2s; }
.svc-card:hover { background: var(--off-white); }
.svc-icon { font-size: 22px; margin-bottom: 0.75rem; line-height: 1; }
.svc-name { font-family: 'Cormorant Garamond', serif; font-size: 20px; font-weight: 400; color: var(--navy); margin-bottom: 0.4rem; }
.svc-desc { font-size: 13px; font-weight: 300; color: var(--muted); line-height: 1.65; }

.partner-band { padding: 4rem 2rem; background: var(--off-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.partner-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.partner-quote { font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 300; font-style: italic; line-height: 1.5; color: var(--navy); margin-bottom: 1.5rem; }
.partner-sub { font-size: 14px; font-weight: 300; color: var(--muted); line-height: 1.7; }
.checklist { list-style: none; }
.checklist li { font-size: 14px; font-weight: 300; color: var(--muted); padding: 8px 0; border-bottom: 1px solid var(--border); display: flex; gap: 10px; align-items: flex-start; line-height: 1.5; }
.checklist li:last-child { border-bottom: none; }
.ck { color: var(--navy); font-size: 13px; flex-shrink: 0; margin-top: 2px; font-weight: 500; }

.inquiry-band { padding: 4rem 2rem; background: var(--white); }
.inquiry-inner { max-width: 700px; margin: 0 auto; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 2rem; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
label { font-size: 12px; font-weight: 500; letter-spacing: 0.05em; color: var(--navy); }
input, select, textarea {
    font-family: 'Jost', sans-serif; font-size: 14px; font-weight: 300;
    color: var(--navy); background: var(--white);
    border: 1px solid var(--border-mid); border-radius: var(--radius-md);
    padding: 10px 14px; outline: none; transition: border-color 0.2s;
    width: 100%;
}
input:focus, select:focus, textarea:focus { border-color: var(--navy); }
textarea { resize: vertical; min-height: 100px; }
.form-submit { margin-top: 1.25rem; }

.cta-band { background: var(--off-white); border-top: 1px solid var(--border); padding: 5rem 2rem; text-align: center; }
.cta-band h2 { font-family: 'Cormorant Garamond', serif; font-size: 42px; font-weight: 300; color: var(--navy); margin-bottom: 0.5rem; }
.cta-band h2 em { font-style: italic; }
.cta-band p { font-size: 15px; font-weight: 300; color: var(--muted); margin-bottom: 2rem; line-height: 1.7; }

footer { background: var(--navy); color: rgba(255,255,255,0.75); padding: 2.5rem 2rem; }
.footer-inner { max-width: 1100px; margin: 0 auto; display: flex; gap: 2rem; justify-content: space-between; align-items: center; flex-wrap: wrap; }
.footer-brand { font-family: 'Cormorant Garamond', serif; font-size: 22px; font-weight: 300; color: var(--white); }
.footer-info { font-size: 13px; font-weight: 300; line-height: 1.9; }
.footer-info a { color: var(--gold); text-decoration: none; }
.footer-note { font-size: 11px; color: rgba(255,255,255,0.35); text-align: center; max-width: 1100px; margin: 1.5rem auto 0; }
.footer-cta { background: var(--white); color: var(--navy); border: none; padding: 12px 26px; font-family: 'Jost', sans-serif; font-size: 14px; font-weight: 500; border-radius: var(--radius-md); cursor: pointer; text-decoration: none; display: inline-block; white-space: nowrap; }

@media (max-width: 960px) { .why-grid { grid-template-columns: repeat(2, 1fr); } .steps { grid-template-columns: repeat(2, 1fr); } .services-grid { grid-template-columns: repeat(2, 1fr); } .stat-band { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .hero h1 { font-size: 38px; } .section-title { font-size: 28px; } .why-grid { grid-template-columns: 1fr; } .steps { grid-template-columns: 1fr; } .services-grid { grid-template-columns: 1fr; } .partner-inner { grid-template-columns: 1fr; gap: 2rem; } .form-grid { grid-template-columns: 1fr; } .footer-inner { flex-direction: column; text-align: center; } }