:root{--navy:#1a2744;--navy-deep:#0f1a2e;--navy-light:#243656;--gold:#c9a84c;--gold-light:#dfc06a;--gold-dark:#a88a35;--white:#fff;--off-white:#f8f7f4;--gray-100:#f3f2ef;--gray-200:#e5e3de;--gray-500:#7a7a7a;--gray-700:#3a3a3a;--text:#2a2a2a;--text-light:#5a5a5a}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:Inter,-apple-system,sans-serif;color:var(--text);background:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{font-family:Playfair Display,Georgia,serif;line-height:1.2}a{color:inherit;text-decoration:none}.container{max-width:1200px;margin:0 auto;padding:0 24px}.btn{display:inline-block;padding:14px 32px;border-radius:6px;font-family:Inter,sans-serif;font-weight:600;font-size:.95rem;letter-spacing:.3px;cursor:pointer;transition:all .25s ease;border:2px solid transparent}.btn-gold{background:var(--gold);color:var(--navy-deep);border-color:var(--gold)}.btn-gold:hover{background:var(--gold-light);border-color:var(--gold-light);transform:translateY(-1px);box-shadow:0 4px 20px rgba(201,168,76,.35)}.btn-outline{background:transparent;color:var(--white);border-color:hsla(0,0%,100%,.4)}.btn-outline:hover{border-color:var(--white);background:hsla(0,0%,100%,.08)}.btn-full{width:100%;text-align:center}.nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(15,26,46,.92);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid rgba(201,168,76,.15)}.nav-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;height:72px}.nav-logo{height:48px;width:auto}.nav-links{display:flex;align-items:center;gap:32px}.nav-links a{color:hsla(0,0%,100%,.8);font-size:.9rem;font-weight:500;transition:color .2s}.nav-links a:hover{color:var(--gold)}.nav-cta{background:var(--gold)!important;color:var(--navy-deep)!important;padding:10px 24px!important;border-radius:6px;font-weight:600!important}.nav-cta:hover{background:var(--gold-light)!important}.hero{position:relative;min-height:100vh;display:flex;align-items:center;justify-content:center;text-align:center;background:linear-gradient(160deg,var(--navy-deep) 0,var(--navy) 40%,var(--navy-light) 100%);overflow:hidden;padding:120px 24px 80px}.hero-overlay{position:absolute;inset:0;background:radial-gradient(ellipse at 20% 50%,rgba(201,168,76,.06) 0,transparent 60%),radial-gradient(ellipse at 80% 30%,rgba(201,168,76,.04) 0,transparent 50%)}.hero-content{position:relative;z-index:1;max-width:720px}.hero-forming{font-size:1.6rem;font-weight:600;color:#c9a84c;letter-spacing:2px;text-transform:uppercase;margin-bottom:16px;text-shadow:0 2px 10px rgba(0,0,0,.4)}.hero-logo{width:120px;height:auto;margin-bottom:32px;filter:drop-shadow(0 4px 20px rgba(0,0,0,.3))}.hero h1{font-size:3.5rem;font-weight:700;color:var(--white);margin-bottom:20px}.hero h1 br+*{color:var(--gold)}.hero-sub{font-size:1.15rem;color:hsla(0,0%,100%,.7);line-height:1.8;margin-bottom:36px;max-width:580px;margin-left:auto;margin-right:auto}.hero-actions{gap:16px;margin-bottom:60px;flex-wrap:wrap}.hero-actions,.hero-stats{display:flex;justify-content:center}.hero-stats{align-items:center;gap:40px}.stat{text-align:center}.stat-num{display:block;font-family:Playfair Display,serif;font-size:1.8rem;font-weight:700;color:var(--gold)}.stat-label{font-size:.8rem;color:hsla(0,0%,100%,.5);text-transform:uppercase;letter-spacing:1px}.stat-divider{width:1px;height:40px;background:hsla(0,0%,100%,.15)}.section{padding:100px 0}.section-dark{background:var(--gray-100)}.section-title{font-size:2.4rem;color:var(--navy);text-align:center;margin-bottom:12px}.section-sub{text-align:center;color:var(--text-light);font-size:1.05rem;margin-bottom:60px}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:28px;gap:28px}.service-card{background:var(--white);border:1px solid var(--gray-200);border-radius:12px;padding:36px 28px;transition:all .3s ease}.service-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(26,39,68,.1);border-color:var(--gold)}.service-icon{font-size:2rem;margin-bottom:16px}.service-card h3{font-size:1.3rem;color:var(--navy);margin-bottom:10px}.service-card p{color:var(--text-light);font-size:.92rem;line-height:1.7}.about-grid{display:grid;grid-template-columns:1.2fr 1fr;grid-gap:60px;gap:60px;align-items:start}.about-text h2{margin-bottom:24px}.about-text p{color:var(--text-light);margin-bottom:20px;font-size:1rem}.about-list{list-style:none;margin-top:24px}.about-list li{padding:8px 0 8px 28px;position:relative;color:var(--text);font-weight:500}.about-list li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:700}.about-visual{display:flex;flex-direction:column;gap:20px}.about-card{background:var(--white);border-radius:12px;padding:24px;box-shadow:0 4px 20px rgba(0,0,0,.06);border-left:4px solid var(--gold)}.about-card-icon{font-size:1.5rem;margin-bottom:8px}.about-card h4{color:var(--navy);margin-bottom:6px;font-size:1.1rem}.about-card p{color:var(--text-light);font-size:.88rem}.process-grid{display:flex;align-items:flex-start;gap:12px;justify-content:center}.process-step{flex:1 1;max-width:240px;text-align:center;padding:20px}.step-num{width:56px;height:56px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;background:var(--navy);color:var(--gold);font-family:Playfair Display,serif;font-size:1.4rem;font-weight:700;border-radius:50%}.process-step h3{font-size:1.15rem;color:var(--navy);margin-bottom:8px}.process-step p{color:var(--text-light);font-size:.88rem}.process-arrow{font-size:1.5rem;color:var(--gold);margin-top:36px;font-weight:300}.section-cta{background:linear-gradient(160deg,var(--navy-deep),var(--navy));color:var(--white)}.cta-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:60px;gap:60px;align-items:start}.cta-text h2{font-size:2.2rem;color:var(--white);margin-bottom:16px}.cta-text>p{color:hsla(0,0%,100%,.7);margin-bottom:36px;font-size:1.02rem}.cta-info{display:flex;flex-direction:column;gap:24px}.cta-info-item{display:flex;align-items:flex-start;gap:16px}.cta-icon{font-size:1.3rem;margin-top:2px}.cta-info-item strong{display:block;margin-bottom:2px;color:var(--gold);font-size:.85rem;text-transform:uppercase;letter-spacing:.5px}.cta-info-item a,.cta-info-item span{color:hsla(0,0%,100%,.8);font-size:.95rem}.cta-info-item a:hover{color:var(--gold)}.nmls{margin-top:24px;font-size:.8rem;color:hsla(0,0%,100%,.4)}.cta-form-wrap{background:var(--white);border-radius:16px;padding:40px;box-shadow:0 20px 60px rgba(0,0,0,.2)}.cta-form h3{color:var(--navy);font-size:1.4rem;margin-bottom:24px;text-align:center}.cta-form input,.cta-form select{width:100%;padding:14px 16px;border:1px solid var(--gray-200);border-radius:8px;font-family:Inter,sans-serif;font-size:.92rem;margin-bottom:14px;background:var(--off-white);color:var(--text);transition:border-color .2s}.cta-form input:focus,.cta-form select:focus{outline:none;border-color:var(--gold);background:var(--white)}.cta-form button{margin-top:8px;font-size:1rem;padding:16px;cursor:pointer}.footer{background:var(--navy-deep);color:hsla(0,0%,100%,.6);padding:60px 0 40px}.footer-inner{display:flex;justify-content:space-between;align-items:center;margin-bottom:40px;padding-bottom:40px;border-bottom:1px solid hsla(0,0%,100%,.08)}.footer-logo{height:56px;width:auto;margin-bottom:12px}.footer-brand p{font-size:.88rem;color:hsla(0,0%,100%,.4)}.footer-links{display:flex;gap:28px}.footer-links a{font-size:.9rem;transition:color .2s}.footer-links a:hover{color:var(--gold)}.footer-bottom{text-align:center}.footer-bottom p{font-size:.82rem;color:hsla(0,0%,100%,.35)}.footer-disclaimer{margin-top:8px;font-size:.75rem!important;max-width:600px;margin-left:auto;margin-right:auto}@media (max-width:900px){.hero h1{font-size:2.5rem}.services-grid{grid-template-columns:repeat(2,1fr)}.about-grid,.cta-grid{grid-template-columns:1fr}.process-grid{flex-wrap:wrap}.process-arrow{display:none}}@media (max-width:600px){.hero h1{font-size:2rem}.hero-stats{gap:20px}.stat-num{font-size:1.4rem}.services-grid{grid-template-columns:1fr}.nav-links a:not(.nav-cta){display:none}.section{padding:60px 0}.section-title{font-size:1.8rem}}