/* ── Reset & base ─────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; font-size: 17px; line-height: 1.65; color: #1a1a2e; background: #fff; }
img { max-width: 100%; display: block; }
a { color: #1a6bcc; text-decoration: none; }
a:hover { text-decoration: underline; }

/* ── Tokens ───────────────────────────────────────────────────── */
:root {
  --blue:      #1a6bcc;
  --blue-dark: #0f4a99;
  --blue-light:#e8f1fb;
  --green:     #0d9e6e;
  --green-light:#e6f7f1;
  --gold:      #c8860a;
  --gold-light:#fdf3e0;
  --red:       #c0392b;
  --surface:   #f7f8fc;
  --border:    #e0e4ed;
  --text:      #1a1a2e;
  --muted:     #5a6480;
  --radius:    10px;
}

/* ── Layout ───────────────────────────────────────────────────── */
.wrap        { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.wrap.narrow { max-width: 720px; }
section      { padding: 64px 0; }
.center      { text-align: center; }

/* ── Header ───────────────────────────────────────────────────── */
.site-header { background: #fff; border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 100; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 64px; gap: 24px; }
.brand { display: flex; flex-direction: column; line-height: 1.2; text-decoration: none; }
.brand b { font-size: 17px; font-weight: 700; color: var(--blue-dark); }
.brand span { font-size: 12px; color: var(--muted); }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { font-size: 15px; font-weight: 500; color: var(--text); text-decoration: none; }
.nav a:hover { color: var(--blue); }
.nav a[aria-current] { color: var(--blue); }
.nav .btn { background: var(--blue); color: #fff !important; padding: 8px 20px; border-radius: 99px; font-size: 14px; font-weight: 600; }
.nav .btn:hover { background: var(--blue-dark); text-decoration: none; }
.menu-toggle { display: none; background: none; border: none; font-size: 22px; cursor: pointer; color: var(--text); }

/* ── Hero ─────────────────────────────────────────────────────── */
.hero { background: linear-gradient(135deg, #0f4a99 0%, #1a6bcc 50%, #2196f3 100%); color: #fff; padding: 80px 0; }
.hero .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.hero-text .eyebrow { font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.7); margin-bottom: 16px; }
.hero-text h1 { font-size: clamp(32px, 4vw, 52px); font-weight: 700; line-height: 1.15; margin-bottom: 20px; }
.hero-text h1 em { font-style: normal; color: #fdd835; }
.hero-text p { font-size: 18px; color: rgba(255,255,255,.85); margin-bottom: 32px; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-btns .btn-primary { background: #fff; color: var(--blue-dark); padding: 14px 28px; border-radius: 99px; font-weight: 700; font-size: 15px; }
.hero-btns .btn-ghost { border: 2px solid rgba(255,255,255,.5); color: #fff; padding: 12px 28px; border-radius: 99px; font-weight: 600; font-size: 15px; }
.hero-image { position: relative; }
.hero-image img { border-radius: 16px; width: 100%; object-fit: cover; max-height: 420px; box-shadow: 0 24px 48px rgba(0,0,0,.3); }
.hero-badge { position: absolute; bottom: -16px; left: -16px; background: #fff; border-radius: var(--radius); padding: 12px 18px; box-shadow: 0 8px 24px rgba(0,0,0,.15); }
.hero-badge strong { display: block; font-size: 22px; font-weight: 700; color: var(--green); }
.hero-badge span { font-size: 12px; color: var(--muted); }

/* ── Page head ────────────────────────────────────────────────── */
.pagehead { background: linear-gradient(135deg, #0f4a99 0%, #1a6bcc 100%); color: #fff; padding: 56px 0; }
.pagehead h1 { font-size: clamp(26px, 3.5vw, 42px); font-weight: 700; margin-bottom: 12px; }
.pagehead p { font-size: 18px; color: rgba(255,255,255,.85); max-width: 640px; }
.eyebrow { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.65); margin-bottom: 12px; }

/* ── Stats bar ────────────────────────────────────────────────── */
.stats-bar { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 32px 0; }
.stats-bar .wrap { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-item strong { display: block; font-size: 32px; font-weight: 700; color: var(--blue-dark); }
.stat-item span { font-size: 14px; color: var(--muted); }

/* ── Section headings ─────────────────────────────────────────── */
.section-label { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--blue); margin-bottom: 10px; }
h2.section-title { font-size: clamp(24px, 3vw, 36px); font-weight: 700; margin-bottom: 12px; }
p.section-sub { font-size: 17px; color: var(--muted); max-width: 560px; margin: 0 auto 40px; }

/* ── Guide cards ──────────────────────────────────────────────── */
.guide-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
.guide-card { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 28px; display: flex; flex-direction: column; gap: 12px; transition: box-shadow .2s; }
.guide-card:hover { box-shadow: 0 8px 24px rgba(26,107,204,.12); }
.guide-icon { width: 48px; height: 48px; background: var(--blue-light); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 24px; }
.guide-card .num { font-size: 11px; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--blue); }
.guide-card h3 { font-size: 18px; font-weight: 700; }
.guide-card p { font-size: 15px; color: var(--muted); flex: 1; }
.guide-card a.read { font-size: 14px; font-weight: 600; color: var(--blue); }

/* ── Steps timeline ───────────────────────────────────────────── */
.steps { display: flex; flex-direction: column; gap: 0; }
.step { display: grid; grid-template-columns: 56px 1fr; gap: 24px; padding-bottom: 36px; position: relative; }
.step:last-child { padding-bottom: 0; }
.step-num { width: 48px; height: 48px; background: var(--blue); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 18px; flex-shrink: 0; position: relative; z-index: 1; }
.step::before { content: ''; position: absolute; left: 24px; top: 48px; bottom: 0; width: 2px; background: var(--border); }
.step:last-child::before { display: none; }
.step-body { padding-top: 8px; }
.step-body .tag { font-size: 11px; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--muted); margin-bottom: 4px; }
.step-body h3 { font-size: 18px; font-weight: 700; margin-bottom: 8px; }
.step-body p { font-size: 15px; color: var(--muted); }

/* ── Money table ──────────────────────────────────────────────── */
.money-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.money-card { border-radius: 12px; padding: 24px; border: 1px solid var(--border); }
.money-card.blue  { background: var(--blue-light); border-color: #b3d1f5; }
.money-card.green { background: var(--green-light); border-color: #9ddec8; }
.money-card.gold  { background: var(--gold-light); border-color: #f5d08a; }
.money-card .label { font-size: 12px; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.money-card .amount { font-size: 36px; font-weight: 700; margin-bottom: 4px; }
.money-card.blue  .amount { color: var(--blue-dark); }
.money-card.green .amount { color: var(--green); }
.money-card.gold  .amount { color: var(--gold); }
.money-card p { font-size: 14px; color: var(--muted); }

/* ── Callout ──────────────────────────────────────────────────── */
.callout { background: var(--blue-light); border-left: 4px solid var(--blue); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 20px; margin: 28px 0; font-size: 15px; }
.callout.green { background: var(--green-light); border-left-color: var(--green); }
.callout.gold  { background: var(--gold-light); border-left-color: var(--gold); }

/* ── Prose ────────────────────────────────────────────────────── */
.prose { max-width: 720px; margin: 0 auto; padding: 48px 24px; }
.prose h2 { font-size: 26px; font-weight: 700; margin: 40px 0 12px; }
.prose h3 { font-size: 20px; font-weight: 700; margin: 28px 0 8px; }
.prose p  { margin-bottom: 16px; }
.prose ul, .prose ol { padding-left: 24px; margin-bottom: 16px; }
.prose li { margin-bottom: 8px; }
.prose strong { color: var(--text); }
.toc { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px 24px; margin-bottom: 36px; }
.toc p { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 12px; }
.toc a { display: block; font-size: 15px; color: var(--blue); margin-bottom: 8px; }

/* ── Team ─────────────────────────────────────────────────────── */
.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; }
.team-card { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.team-card img { width: 100%; height: 240px; object-fit: cover; object-position: top; }
.team-card .info { padding: 20px 24px; }
.team-card .name { font-size: 20px; font-weight: 700; margin-bottom: 4px; }
.team-card .role { font-size: 13px; color: var(--blue); font-weight: 600; margin-bottom: 10px; }
.team-card p { font-size: 14px; color: var(--muted); }

/* ── Reviews ──────────────────────────────────────────────────── */
.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.review { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 24px; }
.stars { color: #f59e0b; font-size: 16px; margin-bottom: 12px; }
.review p { font-size: 15px; color: var(--muted); margin-bottom: 12px; font-style: italic; }
.reviewer { font-size: 13px; font-weight: 600; color: var(--text); }

/* ── CTA band ─────────────────────────────────────────────────── */
.cta-band { background: linear-gradient(135deg, #0f4a99 0%, #1a6bcc 100%); color: #fff; padding: 64px 0; }
.cta-band h2 { font-size: clamp(24px, 3vw, 36px); font-weight: 700; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,.8); margin-bottom: 28px; }
.btn.white { background: #fff; color: var(--blue-dark); padding: 14px 32px; border-radius: 99px; font-weight: 700; font-size: 16px; display: inline-block; }
.btn.white:hover { background: #f0f4ff; text-decoration: none; }

/* ── Blog grid ────────────────────────────────────────────────── */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; margin: 40px 0; }
.blog-card { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 28px; display: flex; flex-direction: column; gap: 12px; }
.blog-card .eyebrow { font-size: 12px; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--blue); margin: 0; }
.blog-card h2 { font-size: 19px; font-weight: 700; margin: 0; line-height: 1.35; }
.blog-card p { font-size: 15px; color: var(--muted); margin: 0; flex: 1; }
.blog-card a.read { font-size: 14px; font-weight: 600; color: var(--blue); }

/* ── Footer ───────────────────────────────────────────────────── */
.site-footer { background: #0f1a35; color: rgba(255,255,255,.75); padding: 56px 0 32px; }
.site-footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.site-footer h4 { color: #fff; font-size: 15px; font-weight: 700; margin-bottom: 14px; }
.site-footer p, .site-footer a { font-size: 14px; color: rgba(255,255,255,.65); margin-bottom: 8px; display: block; }
.site-footer a:hover { color: #fff; text-decoration: none; }
.site-footer .agent { margin-bottom: 16px; }
.site-footer .name { font-weight: 600; color: #fff; font-size: 15px; }
.foot-note { font-size: 12px; color: rgba(255,255,255,.4); border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; line-height: 1.6; }

/* ── Responsive ───────────────────────────────────────────────── */
@media (max-width: 768px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .hero-image { display: none; }
  .stats-bar .wrap { grid-template-columns: repeat(2, 1fr); }
  .site-footer .cols { grid-template-columns: 1fr; }
  .nav { display: none; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: #fff; padding: 20px 24px; border-bottom: 1px solid var(--border); gap: 16px; }
  .nav.open { display: flex; }
  .menu-toggle { display: block; }
  .site-header { position: relative; }
}