:root{
  --navy:#021B35;
  --dark:#061426;
  --gold:#C79B47;
  --gold2:#E0B65C;
  --cream:#F6F2EA;
  --white:#fff;
  --muted:#B8C0CA;
  --text:#101D2E;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--white);background:var(--navy)}
a{color:inherit;text-decoration:none}
.container{width:min(1180px,92%);margin:auto}
.top-disclosure{
  background:#C79B47;color:#061426;text-align:center;
  padding:10px 18px;font-size:13px;line-height:1.4;font-weight:600;
}
.site-header{
  position:sticky;top:0;z-index:20;height:86px;
  display:flex;align-items:center;justify-content:space-between;
  padding:0 5%;background:rgba(2,27,53,.96);
  border-bottom:1px solid rgba(199,155,71,.35);backdrop-filter:blur(10px);
}
.brand{display:flex;align-items:center;gap:14px}
.brand-mark{width:54px;height:54px;border:2px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--gold);font-family:"Playfair Display",serif;font-size:31px;font-weight:700}
.brand-name{font-family:"Playfair Display",serif;font-size:28px;letter-spacing:6px}
.brand-sub{font-size:12px;letter-spacing:4px;color:var(--gold);font-weight:700}
.desktop-nav{display:flex;gap:30px;font-size:13px;font-weight:800;text-transform:uppercase}
.header-cta{border:2px solid var(--gold);padding:14px 22px;color:var(--gold);text-transform:uppercase;font-size:13px;font-weight:800}
.hero{
  min-height:850px;padding:70px 0;
  background:linear-gradient(90deg,rgba(2,27,53,.98),rgba(2,27,53,.75),rgba(2,27,53,.52)),url("https://images.unsplash.com/photo-1513635269975-59663e0ac1ad?auto=format&fit=crop&w=1800&q=80") center/cover;
}
.hero-grid{display:grid;grid-template-columns:1fr 470px;gap:55px;align-items:start}
.eyebrow{color:var(--gold);font-size:13px;letter-spacing:4px;text-transform:uppercase;font-weight:800}
h1,h2{font-family:"Playfair Display",serif;line-height:1.05;margin:0}
h1{font-size:66px;max-width:720px}
h2{font-size:42px}
.gold-line{width:92px;height:3px;background:var(--gold);margin:28px 0}
.hero-text{font-size:21px;line-height:1.65;max-width:630px;color:#F2F0EA}
.hero-benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px;max-width:760px}
.hero-benefits div{display:flex;gap:10px;font-weight:700;line-height:1.35}
.hero-benefits span,.why-grid span{color:var(--gold);font-size:26px}
.lead-card{background:linear-gradient(180deg,#06213f,#03172d);border:1px solid var(--gold);box-shadow:0 22px 55px rgba(0,0,0,.35);padding:34px}
.lead-card h2{font-size:34px;text-align:center}
.lead-card>p{text-align:center;color:#d6dce3;line-height:1.55}
form{display:grid;gap:13px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:13px}
label{display:grid;gap:7px;font-size:13px;font-weight:800}
input,select,textarea{width:100%;border:0;padding:15px 14px;border-radius:2px;font:inherit;background:#fff;color:#192337}
.checkbox-label{display:flex;align-items:flex-start;gap:10px;font-weight:500;line-height:1.45;color:#d8dee7}
.checkbox-label input{width:auto;margin-top:3px}
.checkbox-label a,.form-note a{color:var(--gold2);text-decoration:underline}
.form-note{font-size:12px;line-height:1.5;text-align:center;color:#cfd6df;margin:0}
.primary-btn{display:inline-block;width:100%;border:0;background:linear-gradient(135deg,var(--gold2),var(--gold));color:white;padding:18px 20px;text-align:center;text-transform:uppercase;font-weight:900;letter-spacing:.5px;cursor:pointer}
.compare-strip{background:#fff;color:var(--text);padding:30px 0;text-align:center}
.compare-strip p{font-family:"Playfair Display",serif;color:var(--navy);font-size:24px;margin:0 0 18px}
.strip-items{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;font-weight:800;font-size:13px}
.content-section{padding:78px 0}
.light{background:#fff;color:var(--text)}
.narrow{text-align:center;max-width:850px}
.narrow p:last-child{font-size:18px;line-height:1.7;color:#2c3440}
.gold{color:var(--gold)}
.cards-section{padding-top:20px}
.cards-section h2{text-align:center;margin-bottom:35px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.cards article{border:1px solid #dde2e8;padding:34px 24px;text-align:center;min-height:220px}
.cards h3{font-family:"Playfair Display",serif;font-size:24px;color:var(--navy)}
.cards p{color:#333;line-height:1.55}
.why-section{padding:75px 0;background:linear-gradient(135deg,#021B35,#041324)}
.why-section h2{text-align:center;margin-bottom:42px}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;text-align:center}
.why-grid p{color:#d2d8df;line-height:1.55}
.final-cta{padding:82px 0;background:linear-gradient(90deg,rgba(2,27,53,.94),rgba(2,27,53,.82)),url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1500&q=80") center/cover}
.final-cta .container{max-width:760px}.final-cta p{font-size:20px;color:#e4e7eb}.final-cta .primary-btn{width:auto;padding-left:42px;padding-right:42px}
footer{background:#04101f;border-top:1px solid rgba(199,155,71,.35);padding:50px 0 25px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:34px}
footer a{display:block;margin:8px 0;color:#d8dde4}
footer p{color:#cfd5dd;line-height:1.55}
.regulatory-footer{border-top:1px solid rgba(255,255,255,.12);margin-top:35px;padding-top:25px}
.regulatory-footer p{font-size:12px;color:#aab3bf}
.copyright{text-align:center;margin-top:22px}
.legal-main{background:#fff;color:var(--text)}
.legal-hero{padding:90px 0 70px;background:linear-gradient(135deg,#021B35,#061426);color:#fff}
.legal-hero h1{font-size:58px}
.legal-content{padding:60px 0 90px;background:#fff}
.legal-box{max-width:920px;color:#182335}
.legal-box h2{font-family:Inter,system-ui,sans-serif;font-size:24px;margin:34px 0 10px;color:#021B35}
.legal-box p,.legal-box li{font-size:17px;line-height:1.75;color:#334155}
.legal-box a{color:#8a6422;text-decoration:underline}
@media(max-width:900px){
  .desktop-nav,.header-cta{display:none}
  .site-header{height:82px}
  .brand-name{font-size:21px;letter-spacing:3px}.brand-sub{font-size:10px;letter-spacing:2px}.brand-mark{width:48px;height:48px}
  .hero{padding:45px 0 0;background:linear-gradient(180deg,rgba(2,27,53,.72),rgba(2,27,53,.96) 58%),url("https://images.unsplash.com/photo-1513635269975-59663e0ac1ad?auto=format&fit=crop&w=1100&q=80") center top/cover}
  .hero-grid{display:block}h1{font-size:45px}h2{font-size:32px}.hero-text{font-size:17px}.hero-benefits{grid-template-columns:1fr;gap:12px}
  .lead-card{margin:34px -5% 0;padding:24px;border-left:0;border-right:0}.lead-card h2{font-size:30px}.two-col{grid-template-columns:1fr}
  .strip-items{grid-template-columns:repeat(2,1fr);gap:18px}.cards{grid-template-columns:1fr}.why-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr}
}
@media(max-width:520px){
  .container{width:90%}.top-disclosure{font-size:12px}h1{font-size:39px}.hero-benefits div{font-size:14px}.compare-strip{padding:24px 0}.why-grid{grid-template-columns:1fr}.final-cta .primary-btn{width:100%}.legal-hero h1{font-size:40px}
}