:root{
  --bg:#FAF8F5;
  --card:#F2F0EC;
  --navy:#16233F;
  --ink:#16233F;
  --muted:#3F5274;
  --gold:#A87B4F;
  --gold-light:#C9A27A;
  --line:#E3DFD8;
  --line-dark:#2C3A58;
  --serif:'Noto Serif', Georgia, 'Times New Roman', serif;
  --sans:'Inter', 'Helvetica Neue', Arial, sans-serif;
  --wrap:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.5;-webkit-font-smoothing:antialiased}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:400;margin:0;letter-spacing:-.005em}
p{margin:0}
ul,ol{margin:0;padding:0;list-style:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 32px}

/* top bar */
.topbar{position:sticky;top:0;z-index:10;background:rgba(250,248,245,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.topbar-in{display:flex;align-items:center;justify-content:space-between;gap:16px;height:64px}
.brand{font-family:var(--serif);font-size:18px;text-decoration:none;color:var(--navy)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;cursor:pointer;font:500 16px/1 var(--sans);text-decoration:none;border-radius:2px;padding:16px 28px;background:var(--navy);color:#fff;transition:background .2s,opacity .2s}
.btn:hover{background:#22325A}
.btn-sm{padding:11px 16px;font-size:14px;white-space:nowrap}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#94693F}
.btn:disabled{opacity:.6;cursor:wait}
.btn:focus-visible,a:focus-visible,input:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* sections */
.sec{padding:88px 0;border-bottom:1px solid var(--line)}
.sec-hero{padding-top:72px}
h1{font-size:clamp(30px,4.2vw,50px);line-height:1.16;color:var(--navy);max-width:1040px;text-wrap:balance}
.h2{font-size:clamp(28px,3.6vw,46px);line-height:1.18;color:var(--navy);max-width:1120px}
.sec-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:22px}
.kicker{font-size:13px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.num{font-size:14px;color:var(--muted)}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}

/* dash lists */
.dash li{position:relative;padding-left:34px;margin-top:10px}
.dash li::before{content:"";position:absolute;left:0;top:.78em;width:18px;height:1px;background:currentColor;opacity:.9}

/* hero offers */
.offers{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:44px}
.offer{background:var(--card);padding:34px 36px 38px}
.offer-title{font-size:clamp(26px,2.6vw,34px);line-height:1.2;margin-top:18px;color:var(--navy)}
.offer-sub{color:var(--muted);margin-top:18px;padding-bottom:20px;border-bottom:1px solid #DCD8D1}
.offer .dash{margin-top:10px}
.offer-dark{background:var(--navy);color:#fff}
.offer-dark .eyebrow{color:var(--gold-light)}
.offer-dark .offer-title{color:#fff}
.offer-dark .offer-sub{color:#C3CBDA;border-bottom-color:var(--line-dark)}
.result{margin-top:34px;font-weight:600;font-size:clamp(20px,2.2vw,28px);line-height:1.35;color:var(--navy);padding:0 36px}
.result-label{color:var(--gold);letter-spacing:.08em;text-transform:uppercase;margin-right:12px}

/* change table */
.change{margin-top:48px;display:grid;grid-template-columns:1fr 1fr 44px 1.15fr}
.change-head{display:contents}
.change-head span{font-size:13px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);padding:0 10px 18px}
.change-head .gold{color:var(--gold);padding-left:30px}
.change-row{display:contents}
.change-row>div{padding:22px 10px 26px;border-top:1px solid var(--line)}
.c-was p:last-child{color:var(--muted);margin-top:10px;font-size:18px}
.c-do{display:flex;align-items:flex-end}
.c-do p{font-size:18px}
.c-arrow{color:var(--gold);display:flex;align-items:flex-end;justify-content:center;font-size:20px}
.change-row>.c-now{background:var(--navy);color:#fff;padding:26px 30px;border-top:1px solid var(--line-dark);display:flex;align-items:center;font-family:var(--serif);font-size:clamp(20px,1.9vw,25px);line-height:1.25}
.change-row:nth-child(2)>.c-now{border-top-color:var(--navy)}
.m-label{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:44px}
.step{background:var(--card);padding:24px 26px 28px}
.step-n{font-family:var(--serif);color:var(--gold);font-size:20px}
.step h3{font-size:24px;margin-top:6px;color:var(--navy)}
.step p{color:var(--muted);margin-top:6px}
.step-dark{background:var(--navy)}
.step-dark h3{color:#fff}
.step-dark p{color:#C3CBDA}
.step-dark .step-n{color:var(--gold-light)}
.roles{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:40px}
.role{border-top:1px solid var(--line);padding-top:26px}
.role-gold{border-top:2px solid var(--gold)}
.role h3{font-size:28px;color:var(--navy)}
.role .dash{margin-top:16px;color:var(--muted)}

/* form */
.sec-form{background:var(--navy);color:#fff;border-bottom:0}
.form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.sec-form .eyebrow{color:var(--gold-light)}
.h2-light{color:#fff;margin-top:16px}
.form-lead{color:#C3CBDA;margin-top:16px;font-size:18px}
.lead-form{display:flex;flex-direction:column;gap:20px}
.hp-field{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:8px}
.field-wide{grid-column:1/-1}
.field span{font-size:14px;color:#C3CBDA}
.field input{font:400 17px var(--sans);color:#fff;background:transparent;border:1px solid #3A4A6B;border-radius:2px;padding:14px 16px;min-height:52px}
.field input::placeholder{color:#7F8BA3}
.field input:focus{border-color:var(--gold-light);outline:none}
.consent-line{display:flex;gap:12px;align-items:flex-start;font-size:14px;line-height:1.5;color:#DCE2EC;cursor:pointer}
.consent-line input{width:20px;height:20px;margin:1px 0 0;flex:0 0 auto;accent-color:var(--gold)}
.consent-line a,.privacy-note a{color:#fff;text-decoration:underline;text-underline-offset:2px}
.privacy-note{font-size:13px;line-height:1.55;color:#9AA6BD}
.lead-form .btn{align-self:flex-start}
.form-status{font-size:15px;min-height:1.4em}
.form-status.ok{color:#9FD8B0}
.form-status.err{color:#F2B8A6}

/* footer */
.footer{padding:36px 0 44px;font-size:14px;color:var(--muted)}
.footer-in{display:grid;grid-template-columns:1.3fr 1fr;gap:20px 40px}
.footer b{color:var(--navy);font-weight:600}
.footer-links{display:flex;flex-direction:column;gap:8px;align-items:flex-end}
.footer-links a{text-decoration:underline;text-underline-offset:2px}
.footer-copy{grid-column:1/-1;padding-top:18px;border-top:1px solid var(--line)}

/* responsive */
@media (max-width:980px){
  .br-d{display:none}
  .offers{grid-template-columns:1fr}
  .result{padding:0}
  .change{display:block;margin-top:32px}
  .change-head{display:none}
  .change-row{display:block;border-top:1px solid var(--line);padding:24px 0}
  .change-row>div{border:0;padding:0}
  .c-arrow{display:none}
  .m-label{position:static;width:auto;height:auto;overflow:visible;clip:auto;white-space:normal;color:var(--muted);font-family:var(--sans);font-size:13px;letter-spacing:.12em;text-transform:uppercase;display:block;margin-bottom:4px}
  .c-was p:last-child,.c-do p{margin-top:12px}
  .c-do{display:block}
  .change-row>.c-now{margin-top:16px;padding:20px 22px;display:block}
  .change-row>.c-now .m-label{color:var(--gold-light)}
  .steps{grid-template-columns:1fr 1fr}
  .roles{grid-template-columns:1fr;gap:8px}
  .form-wrap{grid-template-columns:1fr;gap:32px}
  .footer-in{grid-template-columns:1fr}
  .footer-links{align-items:flex-start}
}
@media (max-width:560px){
  body{font-size:16px}
  .wrap{padding:0 20px}
  .sec{padding:60px 0}
  .sec-hero{padding-top:44px}
  .brand{font-size:15px}
  .offer{padding:26px 22px 28px}
  .steps{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .lead-form .btn{align-self:stretch}
  .result-label{display:block;margin-bottom:6px}
}

/* legal pages */
.legal-page{padding:56px 0 80px}
.legal-container{max-width:860px}
.legal-back{display:inline-block;margin-bottom:28px;font-size:15px;color:var(--muted)}
.legal-container .kicker{display:block;margin-bottom:10px}
.legal-container h1{font-size:clamp(28px,3.4vw,40px);line-height:1.2;margin-bottom:22px}
.legal-lead{font-size:18px;color:var(--muted)}
.legal-container section{margin-top:34px}
.legal-container h2{font-size:22px;color:var(--navy);margin-bottom:12px}
.legal-container p,.legal-container li{font-size:16px;line-height:1.65;margin-top:10px}
.legal-container ul{padding-left:1.2rem;list-style:disc}
.legal-container a{color:var(--navy);text-underline-offset:2px}
.legal-note{color:var(--muted);font-size:14px!important;margin-top:28px!important}

.topbar-actions{display:flex;align-items:center;gap:20px}
.topbar-phone{font-weight:500;font-size:15px;text-decoration:none;color:var(--navy);white-space:nowrap}
.form-phone{margin-top:22px;font-size:18px;color:#C3CBDA}
.form-phone a{color:#fff;font-weight:500;text-decoration:none;border-bottom:1px solid var(--gold-light)}
@media (max-width:560px){.topbar-phone{display:none}}