:root{
  --navy:#0f2a4a;
  --navy-2:#173a63;
  --gold:#e3a72f;
  --ink:#1b2430;
  --muted:#5a6675;
  --bg:#f6f7f9;
  --card:#ffffff;
  --line:#dfe3e8;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Source Sans 3",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--navy-2)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}

/* header */
.site-header{background:var(--navy);color:#fff}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px;flex-wrap:wrap}
.brand{font-family:"Oswald",Impact,sans-serif;font-size:24px;letter-spacing:.5px;text-transform:uppercase;color:#fff;text-decoration:none;line-height:1.1}
.brand small{display:block;font-family:"Source Sans 3",sans-serif;font-size:12px;letter-spacing:2px;color:var(--gold);font-weight:600}
.nav{display:flex;gap:18px;flex-wrap:wrap}
.nav a{color:#fff;text-decoration:none;font-weight:600;font-size:15px}
.nav a:hover{color:var(--gold)}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:72px 0 64px;border-bottom:6px solid var(--gold)}
.hero h1{font-family:"Oswald",Impact,sans-serif;text-transform:uppercase;font-size:clamp(40px,7vw,72px);line-height:1;margin:0 0 10px;letter-spacing:1px}
.hero .office{font-size:clamp(18px,2.6vw,24px);color:var(--gold);font-weight:700;margin:0 0 18px;text-transform:uppercase;letter-spacing:1.5px}
.hero p.lead{font-size:20px;max-width:620px;margin:0 0 28px;color:#e6ecf3}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;padding:13px 24px;border-radius:6px;border:0;font-size:17px;cursor:pointer}
.btn:hover{filter:brightness(1.05)}
.btn.ghost{background:transparent;color:#fff;border:2px solid #fff;margin-left:10px}

/* sections */
section{padding:56px 0}
h2{font-family:"Oswald",Impact,sans-serif;text-transform:uppercase;color:var(--navy);font-size:34px;margin:0 0 18px;letter-spacing:.5px}
h3{color:var(--navy);margin:28px 0 8px;font-size:21px}
.grid{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:start}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:28px}
.facts{list-style:none;padding:0;margin:0}
.facts li{padding:10px 0;border-bottom:1px solid var(--line)}
.facts li:last-child{border-bottom:0}
.facts strong{display:block;color:var(--navy);font-size:14px;text-transform:uppercase;letter-spacing:1px}

/* form */
form label{display:block;font-weight:600;margin:14px 0 6px}
form input[type=text],form input[type=tel],form input[type=email]{width:100%;padding:12px;border:1px solid #c5ccd5;border-radius:6px;font-size:16px}
.consent{display:flex;gap:10px;align-items:flex-start;margin:18px 0;font-size:14px;color:var(--muted);font-weight:400}
.consent input{margin-top:4px;width:18px;height:18px;flex:0 0 auto}
.fine{font-size:13px;color:var(--muted)}
.thanks{display:none;background:#eaf6ec;border:1px solid #9fd3a8;padding:14px;border-radius:6px;margin-top:14px}

/* call band */
.callband{background:var(--gold);color:var(--navy);text-align:center;padding:34px 0}
.callband p{margin:0;font-size:20px;font-weight:600}
.callband a{color:var(--navy);font-family:"Oswald",Impact,sans-serif;font-size:40px;text-decoration:none;display:block;letter-spacing:1px}

/* legal pages */
.legal{background:#fff;border:1px solid var(--line);border-radius:10px;padding:36px;margin:40px auto}
.legal h1{font-family:"Oswald",Impact,sans-serif;text-transform:uppercase;color:var(--navy);font-size:38px;margin:0 0 4px}
.legal .eff{color:var(--muted);margin:0 0 24px}
.legal ul{padding-left:22px}
.highlight{background:#fff8e6;border-left:4px solid var(--gold);padding:14px 18px;margin:18px 0}

/* footer */
.site-footer{background:var(--navy);color:#cfd8e3;padding:34px 0;font-size:15px}
.site-footer a{color:#fff}
.site-footer .links{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:18px}
.disclaimer{border:2px solid #fff;color:#fff;padding:12px 16px;display:inline-block;font-weight:700;font-size:14px;letter-spacing:.5px;text-transform:uppercase}

@media (max-width:800px){
  .grid{grid-template-columns:1fr}
  .btn.ghost{margin-left:0;margin-top:10px}
  .legal{padding:22px}
}