:root {
  --navy: #1F3864;
  --navy-dark: #16294A;
  --gold: #B7862C;
  --gold-light: #E8CD8F;
  --ice: #E7EEFA;
  --ink: #23272E;
  --muted: #6B7280;
  --line: #E3E7EE;
  --max: 880px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Inter, Arial, sans-serif;
  color: var(--ink);
  background: #FFFFFF;
  line-height: 1.6;
}

h1, h2, h3 {
  font-family: Cambria, Georgia, "Times New Roman", serif;
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 0.5em;
}

a { color: var(--navy); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

/* ---- Header ---- */
header.site {
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; background: #fff; z-index: 10;
}
header.site .bar {
  max-width: var(--max); margin: 0 auto; padding: 18px 24px;
  display: flex; align-items: center; justify-content: space-between;
}
header.site .brand {
  font-family: Cambria, Georgia, serif; font-weight: bold; font-size: 22px;
  color: var(--navy); text-decoration: none; letter-spacing: 0.5px;
}
header.site nav a {
  color: var(--ink); text-decoration: none; margin-left: 28px; font-size: 15px;
}
header.site nav a:hover { color: var(--navy); }
header.site nav { display: flex; align-items: center; }
@media (max-width: 640px) {
  header.site nav a { margin-left: 14px; font-size: 13.5px; }
}

/* ---- Hero ---- */
.hero {
  background: var(--navy);
  color: #fff;
  padding: 72px 0 64px;
}
.hero .wrap { position: relative; }
.hero h1 {
  color: #fff; font-size: 42px; max-width: 640px; margin-bottom: 16px;
}
.hero p.tagline {
  color: var(--gold-light); font-style: italic; font-size: 19px; margin-bottom: 20px;
}
.hero p.lead {
  color: var(--ice); font-size: 17px; max-width: 560px; margin-bottom: 30px;
}
.btn {
  display: inline-block; background: var(--gold); color: #1a1a1a; font-weight: 600;
  padding: 12px 26px; border-radius: 6px; text-decoration: none; font-size: 15px;
  border: none; cursor: pointer;
}
.btn.secondary {
  background: transparent; color: #fff; border: 1px solid rgba(255,255,255,0.5);
}

/* ---- Sections ---- */
section { padding: 56px 0; }
section.alt { background: var(--ice); }
section h2 { font-size: 28px; margin-bottom: 18px; }
section p { color: var(--ink); font-size: 16px; }

.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 28px; }
@media (max-width: 720px) { .grid3 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 24px;
}
.card h3 { font-size: 18px; margin-bottom: 8px; }
.card p { font-size: 14.5px; color: var(--muted); margin: 0; }
.step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: #fff;
  font-family: Cambria, serif; font-weight: bold; margin-bottom: 12px;
}

table.pricing {
  width: 100%; border-collapse: collapse; margin-top: 20px;
}
table.pricing th, table.pricing td {
  text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); font-size: 15px;
}
table.pricing th { background: var(--navy); color: #fff; }
table.pricing tr:nth-child(even) td { background: var(--ice); }
.price { color: var(--gold); font-weight: 700; }

/* ---- Legal pages ---- */
.legal h1 { font-size: 30px; }
.legal .updated { color: var(--muted); font-size: 13.5px; margin-bottom: 30px; }
.legal h2 { font-size: 20px; margin-top: 34px; }
.legal p, .legal li { color: var(--ink); font-size: 15.5px; }
.legal ul { padding-left: 22px; }
.legal .placeholder {
  background: #FFF8E8; border: 1px solid var(--gold-light); border-radius: 6px;
  padding: 10px 14px; font-size: 13.5px; color: #6B4E10; margin: 6px 0 18px;
}

/* ---- Contact ---- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; margin-top: 24px; }
@media (max-width: 640px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-card { border: 1px solid var(--line); border-radius: 10px; padding: 22px; }
.contact-card h3 { font-size: 15px; text-transform: none; color: var(--muted); margin-bottom: 6px; }
.contact-card p { font-size: 17px; margin: 0; color: var(--navy); font-weight: 600; }

/* ---- Footer ---- */
footer.site {
  border-top: 1px solid var(--line); padding: 34px 0; margin-top: 40px;
}
footer.site .wrap {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; align-items: center;
}
footer.site .links a {
  color: var(--muted); text-decoration: none; font-size: 13.5px; margin-right: 18px;
}
footer.site .links a:hover { color: var(--navy); }
footer.site .copy { color: var(--muted); font-size: 13px; }