:root {
    --c-navy:        #0a2540;
    --c-navy-700:    #0f2d50;
    --c-navy-800:    #08203a;
    --c-gold:        #c9a14a;
    --c-gold-700:    #b08c36;
    --c-bg:          #ffffff;
    --c-bg-alt:      #f5f7fa;
    --c-bg-soft:     #f0f3f7;
    --c-text:        #1c2433;
    --c-text-muted:  #5a6577;
    --c-border:      #e2e7ee;
    --c-border-strong:#cdd5e0;
    --c-success:     #1f7a4d;
    --c-error:       #b00020;

    --radius:        10px;
    --radius-lg:     16px;
    --shadow-sm:     0 2px 6px rgba(10, 37, 64, 0.06);
    --shadow:        0 8px 24px rgba(10, 37, 64, 0.08);
    --shadow-lg:     0 20px 48px rgba(10, 37, 64, 0.12);

    --font-sans:     "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    --font-serif:    "Source Serif 4", Georgia, "Times New Roman", serif;

    --container:     1180px;
    --container-narrow: 820px;
}

*, *::before, *::after { box-sizing: border-box; }

html {
    -webkit-text-size-adjust: 100%;
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: var(--font-sans);
    font-size: 16px;
    line-height: 1.6;
    color: var(--c-text);
    background: var(--c-bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

img, svg { max-width: 100%; display: block; }

h1, h2, h3, h4 {
    font-family: var(--font-serif);
    color: var(--c-navy);
    line-height: 1.2;
    margin: 0 0 .5em;
    font-weight: 700;
}

p { margin: 0 0 1em; }

a {
    color: var(--c-navy);
    text-decoration-color: var(--c-gold);
    text-underline-offset: 3px;
}
a:hover { color: var(--c-gold-700); }

ul { padding-left: 1.1em; }
button { font: inherit; cursor: pointer; }

.sr-only {
    position: absolute !important;
    width: 1px; height: 1px;
    padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0, 0, 0, 0);
    white-space: nowrap; border: 0;
}

.skip-link {
    position: absolute;
    top: -40px; left: 8px;
    background: var(--c-navy);
    color: #fff;
    padding: 8px 12px;
    border-radius: var(--radius);
    z-index: 1000;
}
.skip-link:focus { top: 8px; }

.container {
    width: 100%;
    max-width: var(--container);
    padding: 0 20px;
    margin: 0 auto;
}
.container--narrow { max-width: var(--container-narrow); }

.section          { padding: 64px 0; }
.section--alt     { background: var(--c-bg-alt); }
.section--narrow  { padding: 32px 0; }

.section__header  { text-align: center; max-width: 720px; margin: 0 auto 40px; }
.section__eyebrow {
    display: inline-block;
    text-transform: uppercase;
    letter-spacing: .14em;
    font-size: 12px;
    font-weight: 600;
    color: var(--c-gold-700);
    margin: 0 0 12px;
}
.section__title   { font-size: clamp(1.6rem, 2.3vw + 1rem, 2.4rem); margin: 0 0 14px; }
.section__lead    { color: var(--c-text-muted); font-size: 1.05rem; margin: 0; }

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 22px;
    border-radius: var(--radius);
    font-weight: 600;
    text-decoration: none;
    border: 1px solid transparent;
    transition: background .2s ease, color .2s ease, border-color .2s ease, transform .15s ease;
    line-height: 1.1;
    min-height: 48px;
}
.btn--primary {
    background: var(--c-navy);
    color: #fff;
    border-color: var(--c-navy);
}
.btn--primary:hover {
    background: var(--c-navy-700);
    color: #fff;
}
.btn--ghost {
    background: transparent;
    color: var(--c-navy);
    border-color: var(--c-border-strong);
}
.btn--ghost:hover {
    border-color: var(--c-navy);
    color: var(--c-navy);
}
.btn--block { display: flex; width: 100%; }

.site-header {
    background: #fff;
    border-bottom: 1px solid var(--c-border);
    position: sticky;
    top: 0;
    z-index: 50;
}
.site-header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    min-height: 72px;
}
.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: var(--c-navy);
}
.brand__mark { display: inline-flex; }
.brand__text { display: flex; flex-direction: column; line-height: 1.1; }
.brand__name {
    font-family: var(--font-serif);
    font-weight: 700;
    font-size: 18px;
}
.brand__sub {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: var(--c-text-muted);
    margin-top: 2px;
}

.site-header__actions {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-left: auto;
}

.site-nav__phone {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 12px;
    border-radius: var(--radius);
    background: var(--c-gold);
    color: var(--c-navy);
    text-decoration: none;
    font-weight: 700;
    transition: background .2s ease;
    line-height: 1.1;
    min-height: 44px;
}
.site-nav__phone:hover {
    background: var(--c-gold-700);
    color: var(--c-navy);
}
.site-nav__phone-icon { width: 18px; height: 18px; flex: none; }
.site-nav__phone-text { display: flex; flex-direction: column; }
.site-nav__phone-label {
    font-size: 10px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: .12em;
    opacity: .85;
}
.site-nav__phone-number {
    font-size: 15px;
    font-weight: 700;
    font-variant-numeric: tabular-nums;
}

.site-nav__cta-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 8px 16px;
    border-radius: var(--radius);
    background: var(--c-navy);
    color: #fff;
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
    line-height: 1.1;
    min-height: 44px;
    transition: background .2s ease;
    white-space: nowrap;
}
.site-nav__cta-btn:hover {
    background: var(--c-navy-700);
    color: #fff;
}

@media (max-width: 520px) {
    .site-header__actions { gap: 6px; }
    .site-nav__phone { display: none; }
    .site-nav__cta-btn { padding: 6px 12px; font-size: 13px; }
    .brand__sub { display: none; }
    .brand__name { font-size: 16px; }
}

@media (max-width: 380px) {
    .site-nav__cta-btn { display: none; }
}

.site-nav__toggle {
    background: transparent;
    border: 1px solid var(--c-border);
    border-radius: var(--radius);
    width: 44px; height: 44px;
    display: inline-flex;
    align-items: center; justify-content: center;
    margin-left: 8px;
}
.site-nav__icon,
.site-nav__icon::before,
.site-nav__icon::after {
    content: "";
    display: block;
    width: 20px; height: 2px;
    background: var(--c-navy);
    position: relative;
}
.site-nav__icon::before { position: absolute; top: -6px; left: 0; }
.site-nav__icon::after  { position: absolute; top:  6px; left: 0; }

.site-nav__list {
    display: none;
    list-style: none;
    margin: 0; padding: 0;
}
.site-nav__list.is-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--c-border);
    padding: 12px 20px 20px;
    box-shadow: var(--shadow);
    gap: 8px;
}
.site-nav__list a {
    display: block;
    padding: 12px 4px;
    text-decoration: none;
    color: var(--c-navy);
    font-weight: 500;
    border-bottom: 1px solid var(--c-border);
}
.site-nav__list a:last-child { border-bottom: 0; }

.hero {
    background:
        radial-gradient(1200px 400px at 80% -10%, rgba(201, 161, 74, 0.12), transparent 60%),
        linear-gradient(180deg, #0a2540 0%, #0d2c4d 100%);
    color: #fff;
    padding: 56px 0 64px;
}
.hero__inner {
    display: grid;
    grid-template-columns: 1fr;
    gap: 32px;
    align-items: center;
}
.hero__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: .14em;
    color: rgba(255,255,255,.78);
    margin: 0 0 14px;
}
.dot {
    width: 8px; height: 8px;
    background: var(--c-gold);
    border-radius: 50%;
    display: inline-block;
}
.hero__title {
    color: #fff;
    font-size: clamp(2rem, 3.6vw + 1rem, 3.2rem);
    line-height: 1.1;
    margin: 0 0 16px;
}
.hero__lead {
    color: rgba(255,255,255,.85);
    font-size: 1.1rem;
    max-width: 640px;
    margin: 0 0 28px;
}
.hero__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 28px;
}
.hero__actions .btn--ghost {
    color: #fff;
    border-color: rgba(255,255,255,.35);
}
.hero__actions .btn--ghost:hover {
    border-color: #fff;
    color: #fff;
}
.hero__bullets {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: 10px;
    color: rgba(255,255,255,.85);
    font-size: .98rem;
}
.hero__bullets li { display: flex; align-items: flex-start; gap: 10px; }
.hero__bullets .ico { width: 20px; height: 20px; color: var(--c-gold); flex: none; margin-top: 2px; }

.hero__card {
    background: #fff;
    color: var(--c-text);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow-lg);
    border-top: 4px solid var(--c-gold);
}
.hero__card-badge {
    display: inline-block;
    background: var(--c-gold);
    color: var(--c-navy);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .12em;
    padding: 4px 10px;
    border-radius: 999px;
    margin-bottom: 10px;
}
.hero__card-title {
    font-size: 1.25rem;
    margin-bottom: 8px;
}
.hero__card-lead {
    color: var(--c-text-muted);
    margin-bottom: 16px;
    font-size: .95rem;
}
.hero__card-note {
    margin-top: 14px;
    font-size: .82rem;
    color: var(--c-text-muted);
    line-height: 1.5;
}
.hero__card-list {
    list-style: none;
    padding: 0;
    margin: 0 0 16px;
    display: grid;
    gap: 8px;
}
.hero__card-list li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: .9rem;
    color: var(--c-text);
}
.hero__card-list .ico {
    width: 18px; height: 18px;
    color: var(--c-gold-700);
    flex: none;
    margin-top: 2px;
}

.hero-step--hidden { display: none !important; }

.hero-step {
    display: flex;
    flex-direction: column;
    justify-content: center;
    min-height: 320px;
}
.hero-step__title {
    font-size: 1.2rem;
    margin-bottom: 16px;
}
.hero-step__subtitle {
    color: var(--c-text-muted);
    font-size: 1rem;
    margin: 0;
}
.hero-step__error {
    color: var(--c-error);
    font-size: .85rem;
    margin: 8px 0 0;
}
.hero-step__start {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}
.hero-step__start svg { animation: wiggle 1.5s ease-in-out infinite; }
@keyframes wiggle {
    0%, 100% { transform: translateX(0); }
    25% { transform: translateX(4px); }
    75% { transform: translateX(-2px); }
}

.hero-step__thanks {
    text-align: center;
    padding: 24px 0;
}
.hero-step__thanks .form-spinner__circle {
    margin: 0 auto 20px;
}
.hero-step__thanks .hero-step__title { margin-bottom: 8px; }

.hero-step__radios {
    display: grid;
    gap: 10px;
    margin-bottom: 16px;
}
.hero-radio {
    display: flex;
    align-items: center;
    padding: 14px 16px;
    background: var(--c-bg-soft);
    border: 1px solid var(--c-border);
    border-radius: 10px;
    cursor: pointer;
    transition: border-color .15s ease, background .15s ease;
}
.hero-radio:hover {
    border-color: var(--c-navy);
    background: #fff;
}
.hero-radio:has(input:checked) {
    border-color: var(--c-navy);
    background: #fff;
    box-shadow: 0 0 0 2px rgba(10, 37, 64, 0.15);
}
.hero-radio input[type="radio"] {
    width: 18px; height: 18px;
    accent-color: var(--c-navy);
    margin: 0;
    flex: none;
}
.hero-radio span {
    margin-left: 12px;
    font-weight: 600;
    font-size: .95rem;
    color: var(--c-text);
}

.hero-form {
    display: grid;
    gap: 10px;
}
.hero-form__field input {
    width: 100%;
    padding: 12px 14px;
    border: 1px solid var(--c-border-strong);
    border-radius: 8px;
    background: #fff;
    color: var(--c-text);
    font: inherit;
    font-size: .95rem;
    transition: border-color .15s ease, box-shadow .15s ease;
}
.hero-form__field input:focus {
    outline: none;
    border-color: var(--c-navy);
    box-shadow: 0 0 0 3px rgba(10, 37, 64, 0.15);
}
.hero-form__field input::placeholder { color: var(--c-text-muted); }
.hero-form .form__error {
    margin: 2px 0 0;
    font-size: .8rem;
}
.hero-form__consent-text {
    font-size: .8rem;
    line-height: 1.45;
    color: var(--c-text-muted);
    margin: 4px 0 0;
}
.hero-form__consent-text a { color: var(--c-navy); }
.hero-form__actions {
    display: flex;
    gap: 12px;
    margin-top: 8px;
    align-items: center;
}
.hero-form__submit { flex: 1; }
.btn--ghost-dark {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 10px 16px;
    border-radius: var(--radius);
    border: 1px solid var(--c-border-strong);
    background: transparent;
    color: var(--c-navy);
    font-weight: 600;
    font-size: .9rem;
    text-decoration: none;
    transition: background .15s ease, border-color .15s ease;
}
.btn--ghost-dark:hover {
    background: var(--c-bg-soft);
    border-color: var(--c-navy);
}

@media (min-width: 880px) {
    .hero__inner {
        grid-template-columns: 1.45fr 1fr;
        gap: 48px;
    }
    .hero__card { padding: 28px; }
}

.trust {
    background: var(--c-bg-soft);
    padding: 36px 0;
    border-bottom: 1px solid var(--c-border);
}
.trust__grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 18px;
}
.trust__item {
    background: #fff;
    border: 1px solid var(--c-border);
    border-radius: var(--radius);
    padding: 18px;
    box-shadow: var(--shadow-sm);
}
.trust__icon {
    width: 28px; height: 28px;
    color: var(--c-gold-700);
    margin-bottom: 10px;
}
.trust__item h3 {
    font-size: 1rem;
    font-family: var(--font-sans);
    margin: 0 0 6px;
    color: var(--c-navy);
}
.trust__item p {
    margin: 0;
    color: var(--c-text-muted);
    font-size: .9rem;
}

@media (min-width: 640px) {
    .trust__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1000px) {
    .trust__grid { grid-template-columns: repeat(5, 1fr); }
}

.cards {
    display: grid;
    grid-template-columns: 1fr;
    gap: 18px;
}
.card {
    background: #fff;
    border: 1px solid var(--c-border);
    border-radius: var(--radius);
    padding: 22px;
    transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.card:hover {
    border-color: var(--c-gold);
    box-shadow: var(--shadow);
    transform: translateY(-2px);
}
.card__icon {
    width: 32px; height: 32px;
    color: var(--c-navy);
    margin-bottom: 14px;
}
.card__title {
    font-size: 1.05rem;
    font-family: var(--font-sans);
    margin: 0 0 6px;
}
.card p { color: var(--c-text-muted); margin: 0; font-size: .95rem; }

@media (min-width: 640px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .cards { grid-template-columns: repeat(3, 1fr); } }

.steps {
    list-style: none;
    counter-reset: step;
    display: grid;
    grid-template-columns: 1fr;
    gap: 18px;
    padding: 0;
    margin: 0;
}
.steps__item {
    background: #fff;
    border: 1px solid var(--c-border);
    border-radius: var(--radius);
    padding: 22px 22px 22px 64px;
    position: relative;
}
.steps__num {
    position: absolute;
    top: 22px; left: 18px;
    width: 34px; height: 34px;
    background: var(--c-navy);
    color: #fff;
    border-radius: 50%;
    display: inline-flex;
    align-items: center; justify-content: center;
    font-family: var(--font-serif);
    font-weight: 700;
}
.steps__title {
    font-size: 1.05rem;
    font-family: var(--font-sans);
    margin: 0 0 4px;
}
.steps__item p { margin: 0; color: var(--c-text-muted); font-size: .95rem; }

.process__note {
    margin: 28px auto 0;
    max-width: 760px;
    background: #fff;
    border-left: 4px solid var(--c-gold);
    padding: 14px 18px;
    border-radius: 8px;
    color: var(--c-text-muted);
    font-size: .95rem;
    box-shadow: var(--shadow-sm);
}

@media (min-width: 700px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .steps { grid-template-columns: repeat(4, 1fr); } }

.why__inner {
    display: grid;
    grid-template-columns: 1fr;
    gap: 28px;
}
.why__lead {
    color: var(--c-text-muted);
    font-size: 1.05rem;
}
.why__list {
    list-style: none;
    padding: 0;
    display: grid;
    gap: 14px;
    margin: 22px 0 0;
}
.why__list li {
    background: #fff;
    border: 1px solid var(--c-border);
    border-left: 4px solid var(--c-gold);
    border-radius: 8px;
    padding: 14px 18px;
    color: var(--c-text-muted);
}
.why__list strong { color: var(--c-navy); display: block; margin-bottom: 2px; font-family: var(--font-sans); }

.why__aside {
    background: var(--c-navy);
    color: #fff;
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow);
}
.why__aside-title {
    color: #fff;
    margin-bottom: 14px;
    font-size: 1.2rem;
}
.why__aside-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: 12px;
}
.why__aside-list li {
    position: relative;
    padding-left: 22px;
    font-size: .95rem;
    color: rgba(255,255,255,.88);
}
.why__aside-list li::before {
    content: "";
    width: 8px; height: 8px;
    background: var(--c-gold);
    border-radius: 50%;
    position: absolute;
    left: 0; top: 8px;
}

@media (min-width: 900px) {
    .why__inner { grid-template-columns: 1.4fr 1fr; align-items: start; }
}

.education__grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
}
.education__text p {
    color: var(--c-text);
    font-size: 1rem;
}
.education__facts {
    list-style: none;
    padding: 0;
    margin: 0;
    background: #fff;
    border: 1px solid var(--c-border);
    border-radius: var(--radius);
    overflow: hidden;
}
.education__facts li {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    padding: 14px 18px;
    border-bottom: 1px solid var(--c-border);
    font-size: .95rem;
}
.education__facts li:last-child { border-bottom: 0; }
.education__fact-label { color: var(--c-text-muted); }
.education__fact-value { color: var(--c-navy); font-weight: 600; text-align: right; }

@media (min-width: 900px) {
    .education__grid { grid-template-columns: 1.4fr 1fr; align-items: start; }
}

.contact__inner {
    display: grid;
    grid-template-columns: 1fr;
    gap: 32px;
    align-items: start;
}
.contact__lead { color: var(--c-text-muted); font-size: 1.05rem; }
.contact__points {
    list-style: none;
    padding: 0;
    margin: 22px 0 0;
    display: grid;
    gap: 10px;
}
.contact__points li { display: flex; align-items: flex-start; gap: 10px; color: var(--c-text); }
.contact__points .ico { width: 20px; height: 20px; color: var(--c-gold-700); flex: none; margin-top: 2px; }

.form {
    background: #fff;
    border: 1px solid var(--c-border);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow);
}
.form__row {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
}
.form__field { margin-bottom: 16px; }
.form__field label {
    display: block;
    font-weight: 600;
    margin-bottom: 6px;
    font-size: .92rem;
    color: var(--c-navy);
}
.req { color: var(--c-error); margin-left: 2px; }

.form input[type="text"],
.form input[type="tel"],
.form input[type="email"],
.form select,
.form textarea {
    width: 100%;
    padding: 12px 14px;
    border: 1px solid var(--c-border-strong);
    border-radius: 8px;
    background: #fff;
    color: var(--c-text);
    font: inherit;
    transition: border-color .15s ease, box-shadow .15s ease;
}
.form input:focus,
.form select:focus,
.form textarea:focus {
    outline: none;
    border-color: var(--c-navy);
    box-shadow: 0 0 0 3px rgba(10, 37, 64, 0.15);
}
.form textarea { resize: vertical; min-height: 110px; }

.form__error {
    margin: 6px 0 0;
    color: var(--c-error);
    font-size: .85rem;
}

.form__honeypot {
    position: absolute;
    left: -10000px;
    top: auto;
    width: 1px; height: 1px;
    overflow: hidden;
}

.form__consents {
    display: grid;
    gap: 10px;
    margin: 20px 0 18px;
    padding: 16px;
    background: var(--c-bg-soft);
    border-radius: 8px;
}
.form__check {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 10px;
    align-items: start;
    font-size: .9rem;
    color: var(--c-text);
    line-height: 1.5;
    cursor: pointer;
}
.form__check input[type="checkbox"] {
    margin-top: 4px;
    width: 18px; height: 18px;
    accent-color: var(--c-navy);
}

.form__legal {
    margin-top: 16px;
    color: var(--c-text-muted);
    font-size: .8rem;
    line-height: 1.5;
}

.form__loading {
    text-align: center;
    padding: 12px;
    color: var(--c-text-muted);
    font-size: .95rem;
}

.form__success {
    text-align: center;
    padding: 24px 12px;
}
.form__success h3 {
    color: var(--c-success);
    font-family: var(--font-sans);
    margin-bottom: 8px;
}
.form__success p {
    color: var(--c-text-muted);
    font-size: .95rem;
}

@media (min-width: 640px) {
    .form__row { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 980px) {
    .contact__inner { grid-template-columns: 1fr 1.2fr; }
    .form { padding: 32px; }
}

.legal-note__box {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    background: #fff;
    border: 1px solid var(--c-border);
    border-left: 4px solid var(--c-navy);
    border-radius: var(--radius);
    padding: 18px 20px;
    color: var(--c-text-muted);
    box-shadow: var(--shadow-sm);
}
.legal-note__icon {
    width: 26px; height: 26px;
    color: var(--c-navy);
    flex: none;
    margin-top: 2px;
}
.legal-note__box p { margin: 0; font-size: .95rem; line-height: 1.6; }
.legal-note__box strong { color: var(--c-navy); }

.thanks { padding: 80px 0; }
.thanks__inner { max-width: 640px; margin: 0 auto; text-align: center; }
.thanks__icon { display: flex; justify-content: center; margin-bottom: 18px; }
.thanks__title { font-size: clamp(1.8rem, 2.4vw + 1rem, 2.4rem); margin-bottom: 12px; }
.thanks__lead { color: var(--c-text-muted); font-size: 1.05rem; }
.thanks__note {
    margin: 18px auto 28px;
    background: var(--c-bg-soft);
    padding: 14px 18px;
    border-radius: 8px;
    color: var(--c-text-muted);
    font-size: .9rem;
    border-left: 4px solid var(--c-gold);
    text-align: left;
}
.thanks__actions {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 28px;
}
.thanks__contact {
    border-top: 1px solid var(--c-border);
    padding-top: 20px;
    color: var(--c-text-muted);
}
.thanks__contact h2 { font-size: 1.1rem; margin-bottom: 6px; }

.legal-page__header { margin-bottom: 24px; }
.legal-page__updated { color: var(--c-text-muted); font-size: .9rem; }
.legal-page__content h2 {
    font-size: 1.2rem;
    margin: 28px 0 8px;
    font-family: var(--font-sans);
}
.legal-page__content p,
.legal-page__content li { color: var(--c-text); }
.legal-page__content ul,
.legal-page__content ol { padding-left: 1.2em; margin: 0 0 1em; }
.legal-page__content li { margin-bottom: 6px; }
.legal-page__back { margin-top: 36px; }

.site-footer {
    background: var(--c-navy);
    color: rgba(255,255,255,.85);
    padding: 48px 0 28px;
    margin-top: 48px;
}
.disclaimer-block {
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.12);
    border-left: 4px solid var(--c-gold);
    border-radius: 8px;
    padding: 14px 18px;
    margin-bottom: 32px;
    color: rgba(255,255,255,.88);
    font-size: .9rem;
    line-height: 1.6;
}
.disclaimer-block strong { color: #fff; }

.site-footer__grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 28px;
    padding-bottom: 28px;
    border-bottom: 1px solid rgba(255,255,255,.12);
}
.site-footer__title {
    color: #fff;
    font-size: 1rem;
    text-transform: uppercase;
    letter-spacing: .12em;
    font-family: var(--font-sans);
    margin: 0 0 12px;
}
.site-footer__company { font-size: .9rem; line-height: 1.7; }
.site-footer__hours { font-size: .9rem; color: rgba(255,255,255,.65); margin-top: 8px; }
.site-footer__links { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; }
.site-footer a { color: #fff; text-decoration-color: var(--c-gold); }
.site-footer a:hover { color: var(--c-gold); }

.site-footer__bottom {
    padding-top: 18px;
    font-size: .85rem;
    color: rgba(255,255,255,.6);
}
.site-footer__bottom p { margin: 0; }

@media (min-width: 760px) {
    .site-footer__grid { grid-template-columns: repeat(3, 1fr); }
}

@media (min-width: 880px) {
    .site-nav__toggle { display: none; }
    .site-nav__list,
    .site-nav__list.is-open {
        display: flex;
        flex-direction: row;
        position: static;
        background: transparent;
        border: 0;
        padding: 0;
        box-shadow: none;
        gap: 6px;
        align-items: center;
    }
    .site-nav__list a {
        border: 0;
        padding: 8px 14px;
        border-radius: 8px;
        font-size: .95rem;
    }
    .site-nav__list a:hover { background: var(--c-bg-alt); }
}

.faq__list { display: grid; gap: 12px; }

.faq__item {
    background: #fff;
    border: 1px solid var(--c-border);
    border-radius: var(--radius);
    overflow: hidden;
    transition: border-color .2s ease, box-shadow .2s ease;
}
.faq__item[open] {
    border-color: var(--c-gold);
    box-shadow: var(--shadow-sm);
}
.faq__item summary {
    list-style: none;
    cursor: pointer;
    padding: 18px 22px;
    font-weight: 600;
    color: var(--c-navy);
    font-family: var(--font-sans);
    font-size: 1rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    line-height: 1.4;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after {
    content: "";
    width: 14px; height: 14px;
    flex: none;
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a2540' stroke-width='2.4' stroke-linecap='round'><path d='M12 5v14M5 12h14'/></svg>");
    background-repeat: no-repeat;
    background-position: center;
    background-size: contain;
    transition: transform .25s ease;
}
.faq__item[open] summary::after { transform: rotate(45deg); }
.faq__item summary:hover { color: var(--c-gold-700); }
.faq__item summary:focus-visible {
    outline: 2px solid var(--c-gold);
    outline-offset: -2px;
}
.faq__answer {
    padding: 0 22px 18px;
    color: var(--c-text-muted);
    font-size: .95rem;
    line-height: 1.6;
}
.faq__answer p { margin: 0; }
.faq__answer p + p { margin-top: 10px; }
.faq__answer strong { color: var(--c-navy); }
.faq__answer a { color: var(--c-navy); text-decoration-color: var(--c-gold); }

.mobile-cta-bar {
    display: none;
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 100;
    background: #fff;
    border-top: 1px solid var(--c-border);
    box-shadow: 0 -6px 16px rgba(10, 37, 64, 0.12);
    padding: 8px;
    gap: 8px;
}
.mobile-cta-bar__btn {
    flex: 1;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px 12px;
    border-radius: var(--radius);
    text-decoration: none;
    font-weight: 600;
    line-height: 1.1;
    min-height: 52px;
    transition: background .2s ease;
}
.mobile-cta-bar__btn svg {
    width: 22px; height: 22px;
    flex: none;
}
.mobile-cta-bar__btn span {
    display: flex;
    flex-direction: column;
    text-align: left;
}
.mobile-cta-bar__btn span strong {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: .08em;
    opacity: .85;
    font-weight: 700;
}
.mobile-cta-bar__btn span em {
    font-size: 14px;
    font-weight: 700;
    font-style: normal;
    font-variant-numeric: tabular-nums;
}
.mobile-cta-bar__btn--phone {
    background: var(--c-gold);
    color: var(--c-navy);
}
.mobile-cta-bar__btn--phone:active { background: var(--c-gold-700); }
.mobile-cta-bar__btn--form {
    background: var(--c-navy);
    color: #fff;
}
.mobile-cta-bar__btn--form:active { background: var(--c-navy-700); color: #fff; }

@media (max-width: 880px) {
    .mobile-cta-bar { display: flex; }
    body { padding-bottom: 76px; }
    .site-footer { padding-bottom: 28px; }
}

@media (max-width: 360px) {
    .mobile-cta-bar__btn span strong { font-size: 10px; }
    .mobile-cta-bar__btn span em { font-size: 13px; }
}

.form-spinner-overlay {
    position: absolute;
    inset: 0;
    background: rgba(255, 255, 255, 0.92);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10;
}
.form-spinner {
    text-align: center;
    padding: 24px;
}
.form-spinner__circle {
    width: 44px; height: 44px;
    border: 4px solid var(--c-border);
    border-top-color: var(--c-navy);
    border-radius: 50%;
    margin: 0 auto 16px;
    animation: spin .8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.form-spinner__text {
    font-size: 1rem;
    font-weight: 600;
    color: var(--c-navy);
    margin: 0;
}
.form-submit-error {
    margin: 12px 0 0;
    padding: 12px 16px;
    background: #fef2f2;
    border: 1px solid #fecaca;
    border-radius: 8px;
    color: var(--c-error);
    font-size: .9rem;
    line-height: 1.5;
}

@media (prefers-reduced-motion: reduce) {
    * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}