/* Layout: light brand single-theme; navy hero band, cream body, gold as the one accent. */
:root{
  --navy:#1B3654; --navy-2:#24476b; --gold:#B8935A; --gold-soft:#E9DCC4;
  --cream:#F6F2EB; --paper:#FFFFFF; --ink:#1B2433; --muted:#5D6675; --line:#E3DCCF;
  --display:"Cinzel",Georgia,serif; --body:"Outfit",system-ui,sans-serif;
  color-scheme:light;
}
*{box-sizing:border-box}
body{margin:0;background:var(--cream);color:var(--ink);font:400 16px/1.6 var(--body)}
a{color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
h1,h2,h3{text-wrap:balance;margin:0}
h2{font:600 clamp(1.6rem,3vw,2.2rem)/1.2 var(--display);color:var(--navy);letter-spacing:.02em}
.eyebrow{font:600 .75rem/1 var(--body);letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:4px;font:500 .95rem var(--body);text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:#a5814b}
.btn-line{border-color:var(--gold);color:#fff}.btn-line:hover{background:rgba(255,255,255,.08)}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}

/* header */
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--paper);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand svg{width:40px;height:auto}
.brand b{font:600 1.15rem/1 var(--display);color:var(--navy);letter-spacing:.08em;display:block}
.brand small{font:500 .62rem/1 var(--body);letter-spacing:.32em;color:var(--navy);display:block;margin-top:4px}
.menu{display:flex;gap:22px;list-style:none;margin:0;padding:0;font-size:.93rem}
.menu a{text-decoration:none;color:var(--ink)}.menu a:hover{color:var(--gold)}
.dd{position:relative}
.dd ul{display:none;position:absolute;top:100%;left:-16px;background:var(--paper);border:1px solid var(--line);list-style:none;padding:8px 0;margin:8px 0 0;min-width:270px;box-shadow:0 10px 30px rgba(27,54,84,.12)}
.dd ul a{display:block;padding:7px 16px}
.dd:hover ul,.dd:focus-within ul{display:block}
.nav .btn{padding:10px 18px}
@media(max-width:960px){.menu{display:none}}
@media(max-width:480px){.nav .btn{display:none}}

/* hero */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-block:72px}
.hero h1{font:600 clamp(2rem,4.6vw,3.3rem)/1.12 var(--display);letter-spacing:.02em}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p{color:#D5DDE7;font-size:1.1rem;max-width:52ch;margin:20px 0 28px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px}
.hero .facts{display:flex;flex-wrap:wrap;gap:8px 24px;margin-top:32px;font-size:.88rem;color:#B9C6D6}
.hero .facts span::before{content:"";display:inline-block;width:6px;height:6px;background:var(--gold);margin-right:8px;vertical-align:middle}
.hero-mark{justify-self:center;width:min(320px,100%)}
.hero-mark svg{width:100%;height:auto;filter:drop-shadow(0 18px 30px rgba(0,0,0,.35))}
@media(max-width:820px){.hero .wrap{grid-template-columns:1fr;padding-block:48px}.hero-mark{display:none}}

section{padding-block:80px}
.head{display:grid;gap:12px;margin-bottom:40px;max-width:640px}
.head p{color:var(--muted);margin:0}

/* services */
.svc{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.svc a{background:var(--paper);padding:26px 24px;text-decoration:none;display:grid;gap:8px;align-content:start;transition:background .2s}
.svc a:hover{background:#FBF8F2}
.svc h3{font:600 1.05rem/1.3 var(--body);color:var(--navy)}
.svc p{margin:0;color:var(--muted);font-size:.93rem}
.svc .tag{font:600 .66rem/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}

/* steps */
.how{background:var(--paper)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:s}
.step{border-top:2px solid var(--gold);padding-top:18px;counter-increment:s}
.step::before{content:"Step " counter(s);font:600 .72rem/1 var(--body);letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.step h3{font:600 1.1rem/1.3 var(--body);color:var(--navy);margin:10px 0 6px}
.step p{margin:0;color:var(--muted);font-size:.93rem}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.calc-box{background:var(--paper);border:1px solid var(--line);padding:28px;display:grid;gap:18px}
.field{display:grid;gap:6px}
.field label{display:flex;justify-content:space-between;font-size:.88rem;color:var(--muted)}
.field label output{color:var(--ink);font-weight:500;font-variant-numeric:tabular-nums}
input[type=range]{width:100%;accent-color:var(--gold)}
.result{background:var(--navy);color:#fff;padding:20px 22px;display:flex;justify-content:space-between;align-items:end;gap:12px;flex-wrap:wrap}
.result small{display:block;color:#B9C6D6;font-size:.8rem}
.result strong{font:600 1.9rem/1.1 var(--display);color:var(--gold);font-variant-numeric:tabular-nums}
.result .loan{text-align:right;font-variant-numeric:tabular-nums}
.note{font-size:.8rem;color:var(--muted);margin:0}
.calc ul{padding-left:18px;color:var(--muted);margin:16px 0 0}
@media(max-width:820px){.calc{grid-template-columns:1fr}}

/* why */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.why h3{font:600 1.05rem var(--body);color:var(--navy);margin-bottom:6px}
.why p{margin:0;color:var(--muted);font-size:.95rem}
@media(max-width:760px){.why{grid-template-columns:1fr}}

/* contact */
.contact{background:var(--navy);color:#fff}
.contact h2{color:#fff}
.contact .grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px}
.contact dl{display:grid;gap:14px;margin:24px 0 0}
.contact dt{font:600 .7rem/1 var(--body);letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.contact dd{margin:4px 0 0;color:#E4EAF1}
form{display:grid;grid-template-columns:1fr 1fr;gap:14px;min-width:0}
form .full{grid-column:1/-1}
form label{display:grid;gap:6px;font-size:.85rem;color:#B9C6D6}
input,select,textarea{font:inherit;padding:11px 12px;border:1px solid #3c5a7c;background:var(--navy-2);color:#fff;border-radius:3px;width:100%}
textarea{min-height:90px;resize:vertical}
#formMsg{color:var(--gold);font-size:.9rem;margin:0}
@media(max-width:820px){.contact .grid{grid-template-columns:1fr}form{grid-template-columns:1fr}}

footer{background:#132a42;color:#9FB0C3;font-size:.88rem}
footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding-block:48px}
footer h4{color:#fff;font:600 .78rem var(--body);letter-spacing:.14em;text-transform:uppercase;margin:0 0 12px}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:6px}
footer a{text-decoration:none}footer a:hover{color:var(--gold)}
.legal{border-top:1px solid #24405e;padding-block:18px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;font-size:.8rem}
.soc{display:flex;gap:10px;margin-top:14px}
.soc a{border:1px solid #2f4d6d;padding:6px 10px;font-size:.78rem}
@media(max-width:820px){footer .wrap{grid-template-columns:1fr 1fr}}
@media(max-width:480px){footer .wrap{grid-template-columns:1fr}}

.wa{position:fixed;right:calc(18px + env(safe-area-inset-right,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 20px rgba(0,0,0,.25);z-index:30}
.wa svg{width:28px;height:28px;fill:#fff}

/* inner pages */
.page-hero{background:var(--navy);color:#fff}
.page-hero .wrap{padding-block:56px}
.page-hero h1{font:600 clamp(1.8rem,4vw,2.8rem)/1.15 var(--display);margin-top:12px}
.page-hero p{color:#D5DDE7;max-width:60ch;margin:14px 0 0;font-size:1.05rem}
.prose{max-width:760px}
.prose h2{margin:40px 0 12px}.prose h3{font:600 1.1rem var(--body);color:var(--navy);margin:24px 0 8px}
.prose p,.prose li{color:#3b4454}
.svc-detail{display:grid;grid-template-columns:260px 1fr;gap:40px;padding-block:44px;border-top:1px solid var(--line);scroll-margin-top:90px}
.svc-detail:first-child{border-top:0;padding-top:0}
.svc-detail h2{font-size:1.5rem}
.svc-detail .body{min-width:0}
.svc-detail p{margin:0 0 14px;color:#3b4454}
.svc-detail ul{margin:0 0 18px;padding-left:18px;color:#3b4454}
.svc-detail .btn{margin-top:4px}
.svc-index{position:sticky;top:90px;align-self:start}
@media(max-width:820px){.svc-detail{grid-template-columns:1fr;gap:12px}}
details{border-bottom:1px solid var(--line);padding:18px 0}
details summary{cursor:pointer;font:500 1.05rem var(--body);color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
details summary::after{content:"+";color:var(--gold);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"–"}
details p{margin:12px 0 0;color:#3b4454}
.placeholder{border:1px dashed var(--gold);background:#FBF6EC;padding:18px 20px;color:#7a6440}
.menu a.on{color:var(--gold)}
.burger{display:none;background:none;border:1px solid var(--line);padding:8px 10px;border-radius:4px;cursor:pointer;font:inherit;color:var(--navy)}
@media(max-width:960px){.burger{display:block}.menu.open{display:grid;position:absolute;top:100%;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);padding:12px max(16px,env(safe-area-inset-left,0px)) 18px;gap:12px}.menu.open .dd ul{display:block;position:static;border:0;box-shadow:none;padding:4px 0 0 12px;margin:0;min-width:0}}
header{position:sticky}
.nav{position:relative}