:root{--navy:#0d2b4a;--navy2:#153c62;--gold:#c9984d;--paper:#fbfaf8;--sand:#f2ece3;--ink:#17283a;--muted:#637082;--line:#dde3e8;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo img{width:270px}.nav{display:flex;gap:26px;align-items:center;font-size:.88rem;font-weight:700;color:var(--navy)}.nav a:hover{color:var(--gold)}.nav .cta{background:var(--navy);color:#fff;padding:12px 16px;border-radius:4px}
.hero{background:linear-gradient(90deg,#fff 0%,#fff 48%,rgba(255,255,255,.15) 70%),url('assets/hero-office.jpg') right center/cover no-repeat;min-height:560px;display:flex;align-items:center}.hero-copy{max-width:590px;padding:75px 0}.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:var(--gold)}h1{font-size:clamp(2.5rem,5vw,4.4rem);line-height:1.04;margin:14px 0 18px;color:var(--navy);letter-spacing:-1.6px}.lead{font-size:1.1rem;max-width:560px}.goldline{width:60px;height:3px;background:var(--gold);margin:22px 0}.button{display:inline-block;background:var(--navy);color:white;padding:13px 19px;border-radius:4px;font-weight:700;margin-top:14px}.button.alt{background:var(--gold);color:#132235}
.trust{background:var(--navy);color:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{padding:28px;text-align:center;border-right:1px solid rgba(255,255,255,.2)}.trust-item:last-child{border:0}.trust-icon{font-size:1.7rem;color:var(--gold)}.trust-item strong{display:block;margin-top:8px;letter-spacing:.6px}.trust-item small{color:#d5dfe8}
section{padding:82px 0}.section-head{text-align:center;max-width:760px;margin:0 auto 38px}.section-head h2{font-size:2.1rem;color:var(--navy);margin:6px 0 10px}.section-head p{color:var(--muted);margin:0}
.services{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);padding:28px;background:#fff;min-height:210px}.card .num{color:var(--gold);font-weight:800;font-size:.8rem}.card h3{color:var(--navy);font-size:1.05rem;margin:14px 0 8px}.card p{color:var(--muted);margin:0;font-size:.95rem}
.benefit{padding:0;background:var(--sand)}.benefit-grid{display:grid;grid-template-columns:.42fr .58fr;min-height:430px}.benefit-photo{background:url('assets/lighthouse.jpg') center/cover no-repeat}.benefit-copy{padding:65px 7vw}.benefit-copy h2{font-size:2.2rem;color:var(--navy);margin:8px 0 20px}.checks{list-style:none;padding:0;margin:24px 0}.checks li{margin:12px 0;padding-left:28px;position:relative}.checks li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.about-grid,.process-grid,.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:start}.about-box{background:var(--navy);color:#fff;padding:34px}.about-box h3{margin-top:0}.about-box p{color:#d4e0ea}.fact{border-top:1px solid rgba(255,255,255,.18);padding:14px 0}.fact:first-of-type{border-top:0}
.process{background:var(--paper)}.steps{counter-reset:step;display:grid;gap:14px}.step{background:#fff;border:1px solid var(--line);padding:20px 22px}.step strong{color:var(--navy)}.step span{display:block;color:var(--muted);font-size:.94rem}
.notice{background:#fff8ed;border-left:4px solid var(--gold);padding:18px 20px;margin-top:28px;color:#66553c}
.contact-card{border:1px solid var(--line);padding:30px;background:#fff}.contact-card input,.contact-card textarea{width:100%;padding:12px;border:1px solid #ccd5dd;border-radius:4px;margin:6px 0 15px;font:inherit}.contact-card textarea{min-height:130px}.contact-card button{border:0;background:var(--navy);color:#fff;padding:13px 18px;font-weight:700;border-radius:4px;cursor:pointer}
footer{background:#09243e;color:#cbd7e2;padding:48px 0 26px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}.footer-logo{width:255px;filter:brightness(0) invert(1)}footer h4{color:white;margin-top:0}footer a{display:block;margin:6px 0}.fine{border-top:1px solid rgba(255,255,255,.15);margin-top:32px;padding-top:18px;font-size:.82rem;color:#aebdca}
.legal{max-width:900px;margin:auto;padding:70px 20px}.legal h1,.legal h2{color:var(--navy)}.placeholder{background:#fff3cd;border:1px solid #f1d990;padding:3px 6px;border-radius:3px;font-weight:700}
@media(max-width:900px){.nav a:not(.cta){display:none}.hero{background:linear-gradient(rgba(255,255,255,.91),rgba(255,255,255,.91)),url('assets/hero-office.jpg') center/cover}.services{grid-template-columns:1fr 1fr}.trust-grid{grid-template-columns:1fr 1fr}.benefit-grid,.about-grid,.process-grid,.contact-grid,.footer-grid{grid-template-columns:1fr}.benefit-photo{min-height:300px}}
@media(max-width:580px){.wrap{width:min(100% - 28px,1160px)}.logo img{width:220px}.nav .cta{font-size:.75rem;padding:10px}.hero-copy{padding:55px 0}.services,.trust-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid rgba(255,255,255,.2)}section{padding:60px 0}}