*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  /* Dark blue BackCapital-style palette from your reference */
  --navy: #06111d;
  --navy-mid: #0b1724;
  --navy-soft: #142233;
  --gold: #2f6df6;
  --gold-light: #5c8cff;
  --gold-dark: #1f4fd1;
  --cream: #081522;
  --cream-dark: #102033;
  --white: #ffffff;
  --text: #edf4ff;
  --text-muted: #aeb9c8;
  --border: rgba(255, 255, 255, 0.12);
  --shadow: 0 24px 80px rgba(0, 0, 0, 0.35);
  --ff-display: "DM Sans", sans-serif;
  --ff-body: "DM Sans", sans-serif;
  --radius: 18px;
  --max: 1180px;
}

html {
  scroll-behavior: smooth;
}
body {
  font-family: var(--ff-body);
  background: var(--navy);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
}

/* ── NAV ── */
nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 48px;
  height: 76px;
  background: rgba(7, 20, 33, 0.96);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(201, 163, 74, 0.22);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.12);
}
.nav-logo {
  font-family: var(--ff-body);
  font-size: 1.35rem;
  color: var(--white);
  font-weight: 800;
  text-decoration: none;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  gap: 32px;
  list-style: none;
}
.nav-links a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.875rem;
  text-decoration: none;
  font-weight: 400;
  letter-spacing: 0.03em;
  transition: color 0.2s;
}
.nav-links a:hover {
  color: var(--gold);
}
.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--white);
  padding: 12px 22px;
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 700;
  text-decoration: none;
  letter-spacing: 0.01em;
  transition:
    transform 0.2s,
    box-shadow 0.2s;
  box-shadow: 0 12px 28px rgba(47, 109, 246, 0.26);
}
.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 16px 34px rgba(47, 109, 246, 0.34);
}
.menu-toggle {
  display: none;
  background: transparent;
  border: 1px solid rgba(201, 163, 74, 0.35);
  color: var(--gold);
  padding: 9px 13px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.72rem;
  cursor: pointer;
}
.mobile-panel {
  display: none;
  position: fixed;
  top: 76px;
  left: 0;
  right: 0;
  z-index: 99;
  background: rgba(7, 20, 33, 0.985);
  border-bottom: 1px solid rgba(201, 163, 74, 0.22);
  padding: 22px 24px 28px;
  box-shadow: 0 18px 50px rgba(0, 0, 0, 0.28);
}
.mobile-panel.open {
  display: block;
}
.mobile-panel a {
  display: block;
  color: rgba(255, 255, 255, 0.78);
  text-decoration: none;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  font-size: 0.92rem;
}
.mobile-panel a:last-child {
  border-bottom: 0;
  margin-top: 12px;
  background: var(--gold);
  color: var(--navy);
  text-align: center;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 13px;
}

/* ── HERO ── */
.hero {
  min-height: 100vh;
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 70% 50%, rgba(201, 168, 76, 0.07) 0%, transparent 70%);
  pointer-events: none;
}
.hero-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 120px 64px 80px 80px;
  position: relative;
  z-index: 2;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid rgba(201, 168, 76, 0.4);
  padding: 6px 14px;
  font-size: 0.75rem;
  color: var(--gold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 32px;
  width: fit-content;
}
.hero-badge::before {
  content: "";
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
}
.hero h1 {
  font-family: var(--ff-display);
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  color: var(--white);
  line-height: 1.18;
  font-weight: 700;
  margin-bottom: 24px;
}
.hero h1 strong {
  color: var(--gold);
  font-weight: 700;
}
.hero-desc {
  color: rgba(255, 255, 255, 0.65);
  font-size: 1.05rem;
  max-width: 460px;
  margin-bottom: 40px;
  line-height: 1.75;
}
.hero-btns {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 52px;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  padding: 15px 30px;
  font-size: 0.875rem;
  font-weight: 600;
  text-decoration: none;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  transition: background 0.2s;
}
.btn-primary:hover {
  background: var(--gold-light);
}
.btn-secondary {
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: rgba(255, 255, 255, 0.8);
  padding: 15px 30px;
  font-size: 0.875rem;
  font-weight: 400;
  text-decoration: none;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  transition:
    border-color 0.2s,
    color 0.2s;
}
.btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
}
.hero-tags {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.hero-tag {
  display: flex;
  align-items: center;
  gap: 6px;
  color: rgba(255, 255, 255, 0.45);
  font-size: 0.78rem;
  letter-spacing: 0.04em;
}
.hero-tag::before {
  content: "✓";
  color: var(--gold);
  font-size: 0.8rem;
}
.hero-disclaimer {
  margin-top: 28px;
  color: rgba(255, 255, 255, 0.3);
  font-size: 0.72rem;
  font-style: italic;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 20px;
}
.hero-image-wrap {
  position: relative;
  overflow: hidden;
}
.hero-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  filter: brightness(0.55) saturate(0.8);
}
.hero-image-wrap::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, var(--navy) 0%, transparent 30%);
}
.hero-stat {
  position: absolute;
  bottom: 48px;
  right: 48px;
  z-index: 3;
  background: rgba(13, 27, 42, 0.9);
  border: 1px solid rgba(201, 168, 76, 0.35);
  padding: 20px 28px;
  text-align: center;
  backdrop-filter: blur(4px);
}
.hero-stat strong {
  display: block;
  font-family: var(--ff-display);
  font-size: 2.4rem;
  color: var(--gold);
  line-height: 1;
}
.hero-stat span {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.55);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}

/* ── SECTION WRAPPER ── */
section {
  padding: 96px 80px;
}
.container {
  max-width: var(--max);
  margin: 0 auto;
}
.section-label {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 12px;
}
.section-title {
  font-family: var(--ff-display);
  font-size: clamp(1.9rem, 3vw, 2.7rem);
  color: var(--navy);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 20px;
}
.section-title span {
  color: var(--gold);
}
.section-desc {
  color: var(--text-muted);
  font-size: 1rem;
  max-width: 560px;
  line-height: 1.75;
}

/* ── ABOUT ── */
.about {
  background: var(--cream);
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.about-img {
  position: relative;
}
.about-img img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  display: block;
  filter: brightness(0.9) saturate(0.9);
}
.about-badge {
  position: absolute;
  bottom: -24px;
  right: -24px;
  background: var(--navy);
  padding: 24px 32px;
  text-align: center;
}
.about-badge strong {
  display: block;
  font-family: var(--ff-display);
  font-size: 2.6rem;
  color: var(--gold);
  line-height: 1;
}
.about-badge span {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.55);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.about-list {
  list-style: none;
  margin-top: 32px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.about-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: var(--text-muted);
  font-size: 0.93rem;
}
.about-list li::before {
  content: "→";
  color: var(--gold);
  font-weight: 600;
  flex-shrink: 0;
  margin-top: 2px;
}
.about-cta {
  margin-top: 36px;
  display: inline-block;
}

/* ── SERVICES ── */
.services {
  background: var(--white);
}
.services-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 60px;
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}
.service-card {
  padding: 42px 36px;
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
  cursor: default;
  transition:
    border-color 0.3s,
    transform 0.3s,
    box-shadow 0.3s;
  background: var(--white);
}
.service-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}
.service-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}
.service-card:hover::before {
  transform: scaleX(1);
}
.service-num {
  font-family: var(--ff-display);
  font-size: 2.8rem;
  color: var(--cream-dark);
  font-weight: 700;
  line-height: 1;
  margin-bottom: 20px;
}
.service-title {
  font-family: var(--ff-display);
  font-size: 1.15rem;
  color: var(--navy);
  font-weight: 600;
  margin-bottom: 12px;
}
.service-desc {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.7;
}

/* ── HOW IT WORKS ── */
.how {
  background: var(--navy);
}
.how .section-title {
  color: var(--white);
}
.how-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  margin-top: 60px;
}
.steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.step {
  display: flex;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
}
.step:last-child {
  border-bottom: none;
}
.step-num {
  font-family: var(--ff-display);
  font-size: 1rem;
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
  width: 36px;
  padding-top: 4px;
}
.step-content {
}
.step-title {
  color: var(--white);
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 6px;
}
.step-desc {
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.88rem;
  line-height: 1.7;
}
.how-img-wrap {
  position: relative;
}
.how-img-wrap img {
  width: 100%;
  height: 500px;
  object-fit: cover;
  display: block;
  filter: brightness(0.6) saturate(0.7);
}
.how-stats {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: rgba(201, 168, 76, 0.1);
  border-top: 1px solid rgba(201, 168, 76, 0.3);
  backdrop-filter: blur(4px);
}
.how-stat {
  padding: 16px 20px;
  text-align: center;
  border-right: 1px solid rgba(201, 168, 76, 0.2);
}
.how-stat:last-child {
  border-right: none;
}
.how-stat strong {
  display: block;
  color: var(--gold);
  font-family: var(--ff-display);
  font-size: 1.1rem;
}
.how-stat span {
  font-size: 0.68rem;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* ── WHY ── */
.why {
  background: var(--cream);
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.why-list {
  list-style: none;
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.why-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 0.92rem;
  color: var(--text-muted);
}
.why-check {
  width: 22px;
  height: 22px;
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.why-check::before {
  content: "✓";
  color: var(--gold);
  font-size: 0.7rem;
  font-weight: 700;
}
.why-img {
  position: relative;
}
.why-img img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  display: block;
}
.why-box {
  position: absolute;
  top: 40px;
  left: -32px;
  background: var(--navy);
  padding: 32px 40px;
  max-width: 240px;
}
.why-box p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.8rem;
  line-height: 1.7;
  font-style: italic;
}
.why-box span {
  display: block;
  margin-top: 12px;
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* ── TESTIMONIALS ── */
.testimonials {
  background: var(--white);
}
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 60px;
}
.testi-card {
  border: 1px solid var(--border);
  overflow: hidden;
  background: #fff;
  transition:
    transform 0.3s,
    box-shadow 0.3s,
    border-color 0.3s;
}
.testi-card:hover {
  transform: translateY(-4px);
  border-color: rgba(201, 163, 74, 0.65);
  box-shadow: var(--shadow);
}
.testi-img {
  height: 220px;
  overflow: hidden;
  position: relative;
}
.testi-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: grayscale(30%) brightness(0.85);
  transition:
    filter 0.4s,
    transform 0.4s;
}
.testi-card:hover .testi-img img {
  filter: grayscale(0%) brightness(1);
  transform: scale(1.03);
}
.testi-body {
  padding: 28px 24px;
}
.testi-tag {
  display: inline-block;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  border: 1px solid rgba(201, 168, 76, 0.3);
  padding: 3px 10px;
  margin-bottom: 14px;
}
.testi-name {
  font-family: var(--ff-display);
  font-size: 1rem;
  color: var(--navy);
  font-weight: 600;
  margin-bottom: 4px;
}
.testi-loss {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-bottom: 14px;
}
.testi-text {
  font-size: 0.86rem;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ── FAQ ── */
.faq {
  background: var(--cream);
}
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.faq-list {
  margin-top: 8px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 0;
  cursor: pointer;
  color: var(--navy);
  font-weight: 500;
  font-size: 0.95rem;
  user-select: none;
  gap: 16px;
}
.faq-q:hover {
  color: var(--gold);
}
.faq-q .icon {
  color: var(--gold);
  font-size: 1.2rem;
  flex-shrink: 0;
  transition: transform 0.25s;
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition:
    max-height 0.35s ease,
    padding 0.25s;
}
.faq-a.open {
  max-height: 400px;
  padding-bottom: 20px;
}
.faq-a p {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.75;
}
.faq-a ul {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.75;
  padding-left: 18px;
  margin-top: 8px;
}

/* ── CONTACT FORM ── */
.contact-section {
  background: var(--navy);
}
.contact-section .section-title {
  color: var(--white);
}
.contact-section .section-label {
  color: var(--gold);
}
.contact-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  margin-top: 56px;
}
.contact-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-group label {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.5);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.form-group input,
.form-group select,
.form-group textarea {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.15);
  padding: 13px 16px;
  color: var(--white);
  font-family: var(--ff-body);
  font-size: 0.9rem;
  outline: none;
  transition: border-color 0.2s;
  resize: vertical;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
}
.form-group select option {
  background: var(--navy);
}
.form-submit {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 16px 36px;
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  cursor: pointer;
  transition: background 0.2s;
  width: fit-content;
  margin-top: 8px;
}
.form-submit:hover {
  background: var(--gold-light);
}
.form-note {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.3);
  margin-top: 4px;
}
.contact-info {
  color: rgba(255, 255, 255, 0.6);
}
.contact-info h3 {
  font-family: var(--ff-display);
  color: var(--white);
  font-size: 1.3rem;
  margin-bottom: 24px;
}
.contact-detail {
  display: flex;
  gap: 14px;
  margin-bottom: 18px;
  font-size: 0.88rem;
  align-items: flex-start;
}
.contact-icon {
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}
.contact-hours {
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.contact-hours h4 {
  color: var(--white);
  font-size: 0.9rem;
  margin-bottom: 10px;
}
.contact-hours p {
  font-size: 0.83rem;
  line-height: 1.8;
}

/* ── ARTICLES ── */
.articles {
  background: var(--white);
}
.articles-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 48px;
}
.articles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.article-card {
  cursor: pointer;
}
.article-img {
  height: 200px;
  overflow: hidden;
  position: relative;
}
.article-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s;
  filter: brightness(0.85);
}
.article-card:hover .article-img img {
  transform: scale(1.05);
}
.article-body {
  padding: 24px 0;
  border-bottom: 2px solid var(--cream-dark);
}
.article-tag {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 10px;
}
.article-title {
  font-family: var(--ff-display);
  color: var(--navy);
  font-size: 1.05rem;
  font-weight: 600;
  line-height: 1.35;
  margin-bottom: 10px;
}
.article-desc {
  color: var(--text-muted);
  font-size: 0.84rem;
  line-height: 1.65;
  margin-bottom: 14px;
}
.article-link {
  font-size: 0.8rem;
  color: var(--gold);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 4px;
}
.article-link::after {
  content: "→";
}

/* ── FOOTER ── */
footer {
  background: var(--navy);
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding: 64px 80px 40px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 52px;
}
.footer-brand {
}
.footer-logo {
  font-family: var(--ff-display);
  font-size: 1.4rem;
  color: var(--gold);
  font-weight: 700;
  display: block;
  margin-bottom: 16px;
}
.footer-desc {
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.83rem;
  line-height: 1.75;
  max-width: 280px;
}
.footer-tags {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 20px;
}
.footer-tag {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.3);
  font-size: 0.75rem;
}
.footer-tag::before {
  content: "·";
  color: var(--gold);
}
.footer-col h4 {
  color: var(--white);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 600;
  margin-bottom: 18px;
}
.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-col a {
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.83rem;
  text-decoration: none;
  transition: color 0.2s;
}
.footer-col a:hover {
  color: var(--gold);
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.footer-copy {
  color: rgba(255, 255, 255, 0.25);
  font-size: 0.78rem;
}
.footer-legal {
  display: flex;
  gap: 24px;
}
.footer-legal a {
  color: rgba(255, 255, 255, 0.3);
  font-size: 0.78rem;
  text-decoration: none;
}
.footer-legal a:hover {
  color: var(--gold);
}
.footer-disclaimer {
  color: rgba(255, 255, 255, 0.2);
  font-size: 0.72rem;
  line-height: 1.6;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

/* ── HERO TOP FORM / BLUE THEME OVERRIDES ── */
.hero {
  grid-template-columns: minmax(0, 1.05fr) minmax(360px, 0.75fr);
  background:
    linear-gradient(90deg, rgba(6, 17, 29, 0.98) 0%, rgba(6, 17, 29, 0.91) 48%, rgba(6, 17, 29, 0.76) 100%),
    url("./assets/photo-1551836022-d5d88e9218df.jpg") center/cover no-repeat;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.hero::before {
  background:
    radial-gradient(circle at 22% 35%, rgba(47, 109, 246, 0.18), transparent 32%),
    radial-gradient(circle at 82% 24%, rgba(47, 109, 246, 0.1), transparent 30%);
}
.hero-content {
  padding: 120px 40px 80px 88px;
}
.hero h1 {
  font-family: var(--ff-body);
  font-weight: 800;
  letter-spacing: -0.055em;
  line-height: 1.02;
  font-size: clamp(3rem, 5.4vw, 5.8rem);
  text-shadow: 0 8px 26px rgba(0, 0, 0, 0.45);
}
.hero h1 strong {
  color: var(--white);
}
.hero-desc {
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.02rem;
  max-width: 560px;
}
.hero-badge {
  color: var(--white);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 999px;
  text-transform: none;
  letter-spacing: 0.01em;
  font-size: 0.9rem;
}
.hero-badge::before {
  background: var(--gold);
  box-shadow: 0 0 0 6px rgba(47, 109, 246, 0.2);
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--white);
  border-radius: 10px;
  box-shadow: 0 14px 34px rgba(47, 109, 246, 0.26);
  text-transform: none;
  letter-spacing: 0;
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  transform: translateY(-1px);
}
.btn-secondary {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(255, 255, 255, 0.7);
  color: #071421;
  border-radius: 10px;
  text-transform: none;
  letter-spacing: 0;
  font-weight: 700;
}
.btn-secondary:hover {
  color: #071421;
  border-color: #fff;
  background: #fff;
}
.hero-tags {
  gap: 12px;
}
.hero-tag {
  color: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.07);
  border-radius: 999px;
  padding: 9px 14px;
  backdrop-filter: blur(10px);
}
.hero-tag::before {
  content: "□";
  color: var(--gold);
  font-size: 0.65rem;
}
.hero-disclaimer {
  color: rgba(255, 255, 255, 0.7);
  border-top: 0;
  padding-top: 0;
  font-style: normal;
}
.hero-image-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 116px 88px 76px 20px;
  overflow: visible;
}
.hero-image-wrap > img,
.hero-stat {
  display: none;
}
.hero-form-card {
  width: min(100%, 430px);
  padding: 30px;
  border-radius: 18px;
  background: linear-gradient(180deg, rgba(15, 28, 43, 0.88), rgba(10, 21, 34, 0.9));
  border: 1px solid rgba(255, 255, 255, 0.16);
  box-shadow: 0 28px 90px rgba(0, 0, 0, 0.42);
  backdrop-filter: blur(16px);
}
.hero-form-card h3 {
  color: var(--white);
  font-size: 1.55rem;
  line-height: 1.15;
  margin-bottom: 8px;
  font-weight: 800;
  letter-spacing: -0.025em;
}
.hero-form-card p {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.92rem;
  margin-bottom: 20px;
}
.hero-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
/* .hero-form input,
.hero-form select,
.hero-form textarea {
  width: 100%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  color: var(--white);
  padding: 14px 15px;
  border-radius: 8px;
  font-family: var(--ff-body);
  outline: none;
}
.hero-form input::placeholder,
.hero-form textarea::placeholder {
  color: rgba(255, 255, 255, 0.55);
}
.hero-form select option {
  background: #0b1724;
}
.hero-form input:focus,
.hero-form select:focus,
.hero-form textarea:focus {
  border-color: rgba(47, 109, 246, 0.86);
  box-shadow: 0 0 0 4px rgba(47, 109, 246, 0.13);
} */
/* .hero-form button {
  margin-top: 4px;
  width: 100%;
  border: none;
  cursor: pointer;
  border-radius: 9px;
  padding: 15px 20px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #fff;
  font-weight: 800;
  font-family: var(--ff-body);
  box-shadow: 0 12px 30px rgba(47, 109, 246, 0.24);
} */
.hero-form small {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.76rem;
  margin-top: 4px;
}
.about,
.services,
.why,
.testimonials,
.faq,
.articles {
  background: var(--navy);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.section-title,
.service-title,
.testi-name,
.article-title,
.faq-q {
  color: var(--white);
}
.section-desc,
.service-desc,
.testi-loss,
.testi-text {
  color: var(--text-muted);
}
.service-card,
.testi-card {
  background: rgba(255, 255, 255, 0.035);
  border-color: rgba(255, 255, 255, 0.11);
  border-radius: 18px;
}
.service-card:hover {
  border-color: rgba(47, 109, 246, 0.6);
  box-shadow: 0 18px 46px rgba(0, 0, 0, 0.24);
}
.service-num {
  color: rgba(47, 109, 246, 0.23);
}
.how {
  background: #07111d;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.about-list li,
.why-list li,
.faq-a p,
.faq-a ul {
  color: var(--text-muted);
}
.why-check {
  border-color: var(--gold);
  border-radius: 7px;
}
.why-check::before {
  color: var(--gold);
}
.contact-section {
  display: none;
}

/* ── MOBILE ── */
@media (max-width: 900px) {
  nav {
    padding: 0 24px;
  }
  .nav-links,
  .nav-cta {
    display: none;
  }
  .menu-toggle {
    display: block;
  }
  section {
    padding: 64px 24px;
  }
  .hero {
    grid-template-columns: 1fr;
    min-height: auto;
  }
  .hero-content {
    padding: 120px 32px 60px;
  }
  .hero-image-wrap {
    height: 320px;
  }
  .about-grid,
  .why-grid,
  .how-grid,
  .contact-wrap,
  .faq-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .services-grid,
  .testi-grid,
  .articles-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .services-top,
  .articles-top {
    display: block;
  }
  .services-top .btn-primary {
    margin-top: 24px;
    display: inline-block;
  }
  .form-row {
    grid-template-columns: 1fr;
  }
  .why-box {
    position: static;
    max-width: 100%;
    margin-top: 20px;
  }
  .about-badge {
    position: static;
    margin-top: 20px;
    display: inline-flex;
    gap: 12px;
    align-items: center;
  }
  footer {
    padding: 48px 24px 32px;
  }
}
@media (max-width: 560px) {
  .hero-content {
    padding: 112px 22px 48px;
  }
  .hero h1 {
    font-size: 2.08rem;
  }
  .hero-btns {
    flex-direction: column;
  }
  .btn-primary,
  .btn-secondary {
    text-align: center;
    width: 100%;
  }
  .hero-stat {
    right: 20px;
    bottom: 24px;
    padding: 16px 20px;
  }
  .how-stats {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }
}

@media (max-width: 900px) {
  .hero {
    grid-template-columns: 1fr;
  }
  .hero-content {
    padding: 112px 24px 34px;
  }
  .hero h1 {
    font-size: clamp(2.4rem, 12vw, 4rem);
  }
  .hero-image-wrap {
    height: auto;
    padding: 0 24px 54px;
  }
  .hero-form-card {
    width: 100%;
  }
}

/* ── HERO REWRITE: smooth full-width background + clean top form ── */
nav {
  background: rgba(6, 17, 29, 0.96);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.nav-logo {
  color: #fff;
  font-family: var(--ff-body);
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.nav-cta {
  border-radius: 9px;
  background: linear-gradient(135deg, #3674ff, #1f55df);
  color: #fff;
  text-transform: none;
  letter-spacing: 0;
}

.hero {
  min-height: 920px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(380px, 470px);
  align-items: center;
  gap: 72px;
  padding: 142px 88px 86px;
  background:
    linear-gradient(
      90deg,
      rgba(6, 17, 29, 0.98) 0%,
      rgba(6, 17, 29, 0.92) 34%,
      rgba(6, 17, 29, 0.76) 62%,
      rgba(6, 17, 29, 0.88) 100%
    ),
    linear-gradient(180deg, rgba(6, 17, 29, 0.18) 0%, rgba(6, 17, 29, 0.72) 100%),
    url("./assets/photo-1560250097-0b93528c311a.jpg") center center / cover no-repeat;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 18% 30%, rgba(47, 109, 246, 0.2), transparent 30%),
    radial-gradient(circle at 74% 42%, rgba(47, 109, 246, 0.12), transparent 36%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 0%, rgba(6, 17, 29, 0.34) 74%, #06111d 100%);
  pointer-events: none;
}
.hero-content,
.hero-image-wrap {
  position: relative;
  z-index: 2;
  padding: 0;
}
.hero-image-wrap {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  overflow: visible;
  height: auto;
}
.hero-image-wrap::after {
  display: none !important;
}
.hero-image-wrap > img,
.hero-stat {
  display: none !important;
}

.hero h1 {
  max-width: 760px;
  font-family: var(--ff-body);
  font-size: clamp(3.5rem, 5.15vw, 6.05rem);
  line-height: 0.98;
  letter-spacing: -0.065em;
  font-weight: 900;
  color: #fff;
  margin-bottom: 28px;
  text-shadow: 0 10px 32px rgba(0, 0, 0, 0.38);
}
.hero h1 strong {
  color: #fff;
}
.hero-desc {
  max-width: 650px;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.08rem;
  line-height: 1.78;
  margin-bottom: 34px;
}
.hero-badge {
  margin-bottom: 34px;
  padding: 8px 15px;
  color: #fff;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  text-transform: none;
  letter-spacing: 0;
  font-weight: 700;
}
.hero-badge::before {
  background: #3474ff;
  box-shadow: 0 0 0 6px rgba(52, 116, 255, 0.22);
}
.hero-btns {
  margin-bottom: 34px;
}
.hero-tags {
  max-width: 720px;
  gap: 12px;
}
.hero-tag {
  min-height: 42px;
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.17);
  color: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(10px);
}
.hero-tag::before {
  content: "✓";
  color: #3674ff;
}
.hero-disclaimer {
  margin-top: 26px;
  color: rgba(255, 255, 255, 0.7);
  font-style: normal;
  border: 0;
  padding: 0;
}

.hero-form-card {
  width: 100%;
  max-width: 470px;
  padding: 34px;
  border-radius: 20px;
  background: linear-gradient(180deg, rgba(10, 22, 36, 0.94), rgba(8, 18, 30, 0.96));
  border: 1px solid rgba(255, 255, 255, 0.15);
  box-shadow:
    0 34px 110px rgba(0, 0, 0, 0.44),
    inset 0 1px 0 rgba(255, 255, 255, 0.04);
  backdrop-filter: blur(18px);
}
.hero-form-card h3 {
  color: #fff;
  font-size: 1.7rem;
  font-weight: 900;
  letter-spacing: -0.035em;
  margin-bottom: 8px;
}
.hero-form-card p {
  color: rgba(255, 255, 255, 0.72);
  margin-bottom: 22px;
}
/* .hero-form input,
.hero-form select,
.hero-form textarea {
  min-height: 54px;
  background: rgba(255, 255, 255, 0.075);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 10px;
  color: #fff;
  padding: 15px 16px;
  font-size: 0.94rem;
}
.hero-form textarea {
  min-height: 112px;
} */
/* .hero-form button {
  min-height: 56px;
  border-radius: 10px;
  background: linear-gradient(135deg, #3674ff, #1f55df);
  color: #fff;
  font-weight: 900;
} */

@media (max-width: 1100px) {
  .hero {
    grid-template-columns: 1fr;
    padding: 126px 28px 62px;
    min-height: auto;
    gap: 42px;
  }
  .hero h1 {
    font-size: clamp(2.75rem, 9vw, 5rem);
  }
  .hero-image-wrap {
    justify-content: flex-start;
  }
  .hero-form-card {
    max-width: 640px;
  }
}
@media (max-width: 560px) {
  .hero {
    padding: 112px 20px 48px;
  }
  .hero h1 {
    font-size: 2.45rem;
    letter-spacing: -0.045em;
  }
  .hero-form-card {
    padding: 22px;
  }
}