:root {
  --deep: #16303d;
  --deep-2: #1f4152;
  --slate: #47606d;
  --sand: #efe7d8;
  --sand-2: #e2d5b8;
  --driftwood: #c9b892;
  --brass: #a97f3f;
  --brass-light: #c79a56;
  --ink: #20302f;
  --white: #fdfcf9;

  --font-head: 'Fraunces', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --max: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 {
  font-family: var(--font-head);
  font-weight: 500;
  line-height: 1.15;
  margin: 0 0 0.5em;
  color: var(--deep);
}

h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 500; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); }
h3 { font-size: 1.2rem; margin-bottom: 0.4em; }

p { margin: 0 0 1em; }

a { color: inherit; text-decoration: none; }

ul, ol { padding: 0; list-style: none; margin: 0; }

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 28px;
}

.wrap-narrow { max-width: 760px; }

.eyebrow {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--brass);
  margin: 0 0 0.9em;
}

.eyebrow-light { color: var(--driftwood); }

.section { padding: 96px 0; }
.section-sand { background: var(--sand); }
.section-deep { background: var(--deep); }

.light { color: var(--white); }
.light-sub { color: #cfdae0; }

.section-intro {
  max-width: 620px;
  font-size: 1.1rem;
  color: var(--slate);
}

/* Buttons */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  border-radius: 3px;
  text-align: center;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  border: 1px solid transparent;
  cursor: pointer;
}

.btn-primary {
  background: var(--deep);
  color: var(--white);
}
.btn-primary:hover { background: var(--deep-2); transform: translateY(-1px); }

.btn-brass {
  background: var(--brass);
  color: var(--white);
}
.btn-brass:hover { background: var(--brass-light); transform: translateY(-1px); }

.btn-small { padding: 10px 18px; font-size: 0.88rem; }
.btn-large { padding: 16px 34px; font-size: 1rem; }

.btn-link {
  color: var(--driftwood);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.btn-link:hover { color: var(--white); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(253, 252, 249, 0.92);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid rgba(22, 48, 61, 0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-top: 12px;
  padding-bottom: 12px;
}

.brand-mark { height: 48px; display: block; }

.site-nav {
  display: flex;
  gap: 28px;
  margin-right: auto;
  margin-left: 40px;
  font-weight: 500;
  font-size: 0.95rem;
}

.site-nav a { color: var(--slate); }
.site-nav a:hover { color: var(--deep); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 34px;
  height: 34px;
  background: none;
  border: none;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--deep);
  border-radius: 2px;
}

/* Hero */
.hero {
  position: relative;
  background: linear-gradient(180deg, var(--deep) 0%, var(--deep-2) 100%);
  color: var(--white);
  padding: 120px 0 160px;
  overflow: hidden;
}

.hero-inner { position: relative; z-index: 2; max-width: 760px; }

.hero h1 { color: var(--white); }

.hero-sub {
  font-size: 1.2rem;
  color: #d7e0e4;
  max-width: 600px;
  margin-bottom: 2.2em;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
}

.hero-horizon {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 140px;
  background:
    linear-gradient(180deg, rgba(255,255,255,0) 0%, rgba(169,127,63,0.14) 100%);
  clip-path: polygon(0% 60%, 12% 45%, 25% 55%, 38% 30%, 50% 50%, 63% 35%, 76% 52%, 88% 40%, 100% 58%, 100% 100%, 0% 100%);
}

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  counter-reset: step;
  margin-top: 56px;
}

.step { border-top: 2px solid var(--brass); padding-top: 20px; }

.step-num {
  display: block;
  font-family: var(--font-head);
  font-size: 1.6rem;
  color: var(--driftwood);
  margin-bottom: 10px;
}

.step p { color: var(--slate); font-size: 0.98rem; }

/* LTV diagram */
.ltv-panel {
  display: flex;
  align-items: center;
  gap: 48px;
  background: var(--white);
  border-radius: 8px;
  padding: 40px;
  margin: 40px 0 56px;
  box-shadow: 0 12px 32px rgba(22, 48, 61, 0.08);
  flex-wrap: wrap;
}

.ltv-diagram { flex: 0 0 320px; max-width: 100%; }
.ltv-svg { width: 100%; height: auto; }

.ltv-label { font-family: var(--font-body); font-size: 13px; fill: var(--slate); font-weight: 600; }
.ltv-bar-value { fill: var(--sand-2); stroke: var(--driftwood); stroke-width: 1; }
.ltv-bar-cushion { fill: var(--sand-2); stroke: var(--driftwood); stroke-width: 1; opacity: 0.6; }
.ltv-bar-capital { fill: var(--deep); }
.ltv-pct { font-family: var(--font-head); font-size: 22px; fill: var(--deep); }
.ltv-pct-dark { fill: var(--white); }
.ltv-pct-brass { fill: var(--brass); font-size: 16px; }

.ltv-caption {
  flex: 1 1 320px;
  font-size: 1.15rem;
  color: var(--deep);
  font-family: var(--font-head);
  font-weight: 400;
  line-height: 1.5;
  margin: 0;
}

/* Reasons list */
.reasons {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px 40px;
}

.reasons li { border-top: 1px solid var(--driftwood); padding-top: 18px; }
.reasons p { color: var(--slate); font-size: 0.98rem; margin: 0; }

/* Operator */
.operator-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 48px;
  align-items: center;
}

.operator-copy p { color: var(--slate); font-size: 1.08rem; }

.operator-mark {
  background: var(--sand);
  border-radius: 8px;
  padding: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.operator-mark img { width: 100%; max-width: 220px; opacity: 0.9; }

/* Call section */
.call-inner { max-width: 700px; text-align: left; }

/* FAQ */
.faq-list { margin-top: 40px; }

.faq-item {
  border-bottom: 1px solid var(--sand-2);
  padding: 20px 0;
}

.faq-item summary {
  font-family: var(--font-head);
  font-size: 1.15rem;
  color: var(--deep);
  cursor: pointer;
  list-style: none;
  position: relative;
  padding-right: 28px;
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
  content: '+';
  position: absolute;
  right: 0;
  top: 0;
  font-family: var(--font-body);
  font-size: 1.4rem;
  color: var(--brass);
  transition: transform 0.2s ease;
}

.faq-item[open] summary::after { transform: rotate(45deg); }

.faq-item p {
  color: var(--slate);
  margin-top: 12px;
  margin-bottom: 0;
  max-width: 640px;
}

/* Final CTA */
.final-cta { text-align: left; }
.final-cta .section-intro { margin-bottom: 0; }

.cta-paths {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 28px;
  margin-top: 48px;
  align-items: start;
}

.cta-path {
  background: var(--white);
  border-radius: 8px;
  padding: 36px;
  box-shadow: 0 12px 32px rgba(22, 48, 61, 0.08);
}

.cta-path h3 { margin-bottom: 0.5em; }

.cta-path-call {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.cta-path-call p { color: var(--slate); margin-bottom: 1.6em; }

.form-row {
  margin-bottom: 18px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-row label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--deep);
}

.form-row input,
.form-row select,
.form-row textarea {
  font-family: var(--font-body);
  font-size: 0.96rem;
  padding: 11px 13px;
  border: 1px solid var(--sand-2);
  border-radius: 4px;
  background: var(--white);
  color: var(--ink);
  width: 100%;
}

.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--brass);
  box-shadow: 0 0 0 3px rgba(169, 127, 63, 0.16);
}

.form-row textarea { resize: vertical; }

.form-submit { margin-top: 6px; }

.form-fineprint {
  font-size: 0.8rem;
  color: var(--slate);
  margin-top: 16px;
  margin-bottom: 0;
}

.form-confirmation {
  background: var(--white);
  border-radius: 8px;
  padding: 36px;
  box-shadow: 0 12px 32px rgba(22, 48, 61, 0.08);
}

.form-confirmation p {
  font-family: var(--font-head);
  font-size: 1.15rem;
  color: var(--deep);
  margin: 0;
}

.form-confirmation a { color: var(--brass); text-decoration: underline; }

@media (max-width: 900px) {
  .cta-paths { grid-template-columns: 1fr; }
}

/* Footer */
.site-footer {
  background: var(--deep);
  color: #b9c6cb;
  padding: 56px 0 32px;
}

.footer-inner { display: flex; flex-direction: column; gap: 18px; }

.footer-mark { height: 40px; opacity: 0.95; }

.footer-contact {
  display: flex;
  gap: 24px;
  font-weight: 500;
  color: var(--white);
}

.footer-contact a:hover { color: var(--driftwood); }

.footer-note {
  font-size: 0.82rem;
  color: var(--brass-light);
  font-style: italic;
  margin: 0;
}

.disclaimer {
  font-size: 0.82rem;
  color: #90a2a9;
  max-width: 780px;
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 20px;
  margin-top: 8px;
}

.copyright {
  font-size: 0.8rem;
  color: #6f838a;
  margin: 0;
}

/* Responsive */
@media (max-width: 900px) {
  .steps { grid-template-columns: repeat(2, 1fr); }
  .reasons { grid-template-columns: repeat(2, 1fr); }
  .operator-grid { grid-template-columns: 1fr; }
  .operator-mark { order: -1; padding: 32px; }
}

@media (max-width: 720px) {
  .site-nav { display: none; }
  .nav-toggle { display: flex; }
  .header-inner .btn-small { display: none; }

  .site-header.nav-open .site-nav {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 20px 28px 28px;
    gap: 18px;
    border-bottom: 1px solid rgba(22,48,61,0.08);
  }
  .site-header.nav-open .header-inner .btn-small {
    display: inline-block;
    position: absolute;
    top: 14px;
    right: 60px;
  }

  .section { padding: 64px 0; }
  .hero { padding: 84px 0 110px; }
  .steps { grid-template-columns: 1fr; gap: 40px; }
  .reasons { grid-template-columns: 1fr; }
  .ltv-panel { padding: 28px; gap: 28px; }
}