:root{
  --navy:#091F42; --navy-2:#13305e; --ink:#1b2333; --muted:#5b6475; --line:#e3e6ec;
  --paper:#ffffff; --sand:#f6f3ee; --gold:#b8915a; --gold-2:#9c7743; --ok:#1f7a4d; --err:#b3261e;
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--paper);line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:Fraunces,Georgia,serif;font-weight:600;line-height:1.15;margin:0;color:var(--navy)}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* top bar */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.brand{font-family:Fraunces,serif;font-size:21px;font-weight:600;color:var(--navy);text-decoration:none;letter-spacing:.2px}
.brand span{color:var(--gold)}
.top-cta{display:flex;gap:10px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:12px 22px;font:600 15px Inter,sans-serif;cursor:pointer;text-decoration:none;transition:background .15s,transform .05s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn-ghost:hover{background:var(--sand)}
.hide-sm{display:inline-flex}
@media (max-width:640px){.hide-sm{display:none}}

/* hero */
.hero{background:linear-gradient(180deg,var(--sand),#fff 85%);padding:56px 0 64px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-2);margin-bottom:14px}
.hero h1{font-size:clamp(34px,4.6vw,54px)}
.hero h1 em{font-style:normal;color:var(--gold-2)}
.lead{font-size:18px;color:var(--muted);margin:18px 0 26px;max-width:34em}
.checks{list-style:none;padding:0;margin:0 0 28px;display:grid;gap:10px}
.checks li{display:flex;gap:10px;align-items:flex-start}
.checks svg{flex:0 0 20px;margin-top:3px;color:var(--gold-2)}
.offices-mini{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;gap:8px;padding:9px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;font-size:14px;text-decoration:none;color:var(--ink)}
.chip b{color:var(--navy)}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:32px}.hero{padding:36px 0 48px}}

/* form card */
.card{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 18px 50px -24px rgba(9,31,66,.35);padding:28px}
.card h2{font-size:24px;margin-bottom:4px}
.card .sub{color:var(--muted);font-size:14.5px;margin:0 0 18px}
.steps{display:flex;gap:6px;margin-bottom:20px}
.steps i{flex:1;height:4px;border-radius:4px;background:var(--line)}
.steps i.on{background:var(--gold)}
fieldset{border:0;padding:0;margin:0}
.step{display:none}
.step.active{display:block}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:480px){.grid2{grid-template-columns:1fr}}
label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin:0 0 6px}
.field{margin-bottom:14px}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;font:15px Inter,sans-serif;padding:12px 13px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);transition:border-color .15s}
textarea{min-height:84px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy)}
.opts{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
@media (max-width:480px){.opts{grid-template-columns:repeat(2,1fr)}}
.opt input{position:absolute;opacity:0;pointer-events:none}
.opt span{display:block;text-align:center;padding:11px 8px;border:1.5px solid var(--line);border-radius:10px;font-size:14px;font-weight:500;cursor:pointer;transition:all .15s}
.opt input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff}
.opt input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);margin:6px 0 16px}
.consent input{margin-top:3px;width:17px;height:17px;flex:0 0 17px}
.nav{display:flex;gap:10px;justify-content:space-between;margin-top:6px}
.nav .btn{flex:1}
.err{color:var(--err);font-size:13px;margin:-4px 0 12px;display:none}
.err.show{display:block}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.done{display:none;text-align:center;padding:18px 4px}
.done.show{display:block}
.done svg{color:var(--ok);margin-bottom:10px}
.done h3{font-size:24px;margin-bottom:8px}
.done p{color:var(--muted);margin:0 0 16px}
.small{font-size:12.5px;color:var(--muted);text-align:center;margin-top:12px}

/* sections */
section{padding:72px 0}
.sec-head{max-width:640px;margin-bottom:36px}
.sec-head h2{font-size:clamp(28px,3.4vw,38px)}
.sec-head p{color:var(--muted);font-size:17px;margin:12px 0 0}
.how{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.how div{padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;position:relative}
.how div::before{counter-increment:s;content:counter(s);display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--sand);color:var(--gold-2);font:600 17px Fraunces,serif;margin-bottom:14px}
.how h3{font-size:20px;margin-bottom:6px}
.how p{color:var(--muted);margin:0}
@media (max-width:820px){.how{grid-template-columns:1fr}}

.band{background:var(--navy);color:#fff}
.band h2{color:#fff}
.band .sec-head p{color:#c9d2e3}
.why{display:grid;grid-template-columns:repeat(2,1fr);gap:18px 40px}
.why div{border-top:1px solid rgba(255,255,255,.18);padding-top:18px}
.why h3{color:#fff;font-size:20px;margin-bottom:6px}
.why p{color:#c9d2e3;margin:0}
@media (max-width:820px){.why{grid-template-columns:1fr}}

.offices{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.offices.one{grid-template-columns:1fr;max-width:620px}
.others{color:var(--muted);margin:18px 0 0;font-size:15px}
.office{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff}
.office h3{font-size:20px;margin-bottom:6px}
.office p{margin:0 0 14px;color:var(--muted)}
.office .row{display:flex;gap:8px;flex-wrap:wrap}
.office .btn{padding:10px 16px;font-size:14px}
@media (max-width:900px){.offices{grid-template-columns:1fr}}

.faq{max-width:780px}
details{border-bottom:1px solid var(--line);padding:18px 0}
summary{cursor:pointer;font-weight:600;font-size:17px;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font:500 22px Inter,sans-serif;color:var(--gold-2);line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--muted);margin:10px 0 0}

.final{background:var(--sand);text-align:center}
.final h2{font-size:clamp(28px,3.4vw,40px);margin-bottom:12px}
.final p{color:var(--muted);font-size:17px;margin:0 0 24px}

footer{background:#07182f;color:#aeb8cb;font-size:14px;padding:36px 0}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}
footer a{color:#dfe5ef}

.fab{position:fixed;right:18px;bottom:18px;z-index:30;width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 10px 24px -8px rgba(0,0,0,.4)}
.fab svg{width:30px;height:30px;color:#fff}