:root{
  --navy:#0f2540;
  --navy-dark:#0a1a2e;
  --gold:#c99a3f;
  --gold-light:#e0b96a;
  --slate:#4a5568;
  --slate-light:#718096;
  --bg:#f7f8fa;
  --white:#ffffff;
  --green:#1f7a4d;
  --border:#e2e5ea;
  --radius:10px;
  --shadow:0 4px 16px rgba(15,37,64,0.08);
  --shadow-lg:0 12px 32px rgba(15,37,64,0.14);
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;font-family:'Segoe UI',Helvetica,Arial,sans-serif;color:#1b2431;background:var(--bg);line-height:1.6;}
h1,h2,h3,h4{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.25;margin-top:0;}
a{color:var(--navy);text-decoration:none;}
img{max-width:100%;}
.container{max-width:1140px;margin:0 auto;padding:0 24px;}
.small{max-width:820px;}

/* Header */
.site-header{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;}
.site-header .container{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;}
.logo-link{display:flex;align-items:center;}
.logo-img{height:52px;width:auto;display:block;}
.main-nav{display:flex;gap:26px;align-items:center;}
.main-nav a{font-size:15px;font-weight:600;color:var(--slate);}
.main-nav a:hover{color:var(--navy);}
.nav-cta{background:var(--navy);color:var(--white)!important;padding:10px 20px;border-radius:6px;}
.nav-cta:hover{background:var(--navy-dark);}
.nav-toggle{display:none;background:none;border:none;font-size:26px;cursor:pointer;color:var(--navy);}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:72px 0 84px;}
.hero .container{display:grid;grid-template-columns:1.1fr 0.9fr;gap:48px;align-items:center;}
.hero h1{color:#fff;font-size:42px;margin-bottom:18px;}
.hero p.lead{font-size:19px;color:#cfd8e6;margin-bottom:26px;}
.hero-badges{display:flex;gap:18px;flex-wrap:wrap;margin-top:26px;}
.hero-badge{background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.18);padding:8px 14px;border-radius:20px;font-size:13px;color:#e5e9f0;}
.btn{display:inline-block;background:var(--gold);color:var(--navy-dark);font-weight:700;padding:15px 30px;border-radius:8px;border:none;font-size:16px;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease;}
.btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff;}
.btn-secondary{background:var(--navy);color:#fff;}
.btn-block{display:block;width:100%;text-align:center;}

/* Sections */
section{padding:64px 0;}
.section-alt{background:var(--white);}
.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:700;margin-bottom:8px;}
.section-head{max-width:680px;margin:0 auto 44px;text-align:center;}
.section-head h2{font-size:32px;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:36px;}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);}
.card h3{font-size:19px;margin-bottom:10px;}
.stat{text-align:center;}
.stat .num{font-family:Georgia,serif;font-size:38px;color:var(--gold);font-weight:bold;}
.stat .label{color:var(--slate);font-size:14px;margin-top:6px;}
.stats-bar{background:var(--navy);color:#fff;padding:36px 0;}
.stats-bar .grid-3{color:#fff;}
.stats-bar .num{color:var(--gold-light);}
.stats-bar .label{color:#cfd8e6;}

.steps{counter-reset:step;}
.step{display:flex;gap:18px;margin-bottom:28px;}
.step-num{counter-increment:step;background:var(--navy);color:#fff;min-width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:bold;font-family:Georgia,serif;}
.step-body h3{margin-bottom:6px;font-size:18px;}
.step-body p{margin:0;color:var(--slate);}

.city-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}
.city-chip{background:var(--white);border:1px solid var(--border);border-radius:8px;padding:16px;text-align:center;font-weight:600;}
.city-chip:hover{border-color:var(--gold);}

/* Forms */
.lead-form-wrap{max-width:640px;margin:0 auto;background:var(--white);border-radius:14px;box-shadow:var(--shadow-lg);overflow:hidden;}
.form-progress{display:flex;background:var(--bg);padding:20px 28px 0;gap:6px;}
.form-progress .bar{height:5px;flex:1;background:var(--border);border-radius:3px;overflow:hidden;}
.form-progress .bar.active{background:var(--gold);}
.form-step{padding:32px 32px 8px;}
.form-step.hidden{display:none;}
.form-step h2{font-size:24px;margin-bottom:6px;}
.form-step .step-sub{color:var(--slate);margin-bottom:24px;}
.field{margin-bottom:18px;}
.field label{display:block;font-weight:600;font-size:14px;margin-bottom:6px;color:var(--navy);}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:8px;font-size:15px;font-family:inherit;}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.choice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;}
.choice-card{border:2px solid var(--border);border-radius:8px;padding:16px;text-align:center;cursor:pointer;font-weight:600;transition:all .12s ease;}
.choice-card:hover{border-color:var(--gold-light);}
.choice-card.selected{border-color:var(--gold);background:#fdf6e8;}
.form-actions{display:flex;justify-content:space-between;padding:20px 32px 32px;}
.link-btn{background:none;border:none;color:var(--slate);font-weight:600;cursor:pointer;font-size:15px;}
.consent-box{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:16px;font-size:12.5px;color:var(--slate);margin:18px 0;line-height:1.55;}
.consent-box label{display:flex;gap:10px;align-items:flex-start;font-weight:400;cursor:pointer;}
.consent-box input[type=checkbox]{margin-top:3px;flex-shrink:0;width:16px;height:16px;}
.error-msg{color:#b3261e;font-size:13px;margin-top:6px;display:none;}

/* Calculator */
.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:32px;}
.calc-result{background:var(--navy);color:#fff;border-radius:14px;padding:32px;text-align:center;position:sticky;top:100px;height:fit-content;}
.calc-result .ratio{font-family:Georgia,serif;font-size:58px;color:var(--gold-light);font-weight:bold;margin:10px 0;}
.calc-result .verdict{font-size:16px;padding:10px 16px;border-radius:20px;display:inline-block;margin-top:10px;font-weight:700;}
.verdict.good{background:#1f7a4d;}
.verdict.ok{background:#a06a17;}
.verdict.low{background:#a83232;}

/* Blog */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.post-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);}
.post-card .tag{display:inline-block;background:#eef1f6;color:var(--navy);font-size:11px;font-weight:700;letter-spacing:0.5px;text-transform:uppercase;padding:4px 10px;border-radius:12px;margin-bottom:10px;}
.post-card .tag.story{background:#fdf6e8;color:#a06a17;}
.post-card .body{padding:22px;}
.post-card h3{font-size:17px;margin-bottom:8px;}
.post-card p{color:var(--slate);font-size:14px;}
.filters{display:flex;gap:10px;justify-content:center;margin-bottom:36px;flex-wrap:wrap;}
.filter-btn{background:var(--white);border:1px solid var(--border);padding:8px 18px;border-radius:20px;font-weight:600;font-size:13px;cursor:pointer;}
.filter-btn.active{background:var(--navy);color:#fff;border-color:var(--navy);}

article.post-body{max-width:760px;margin:0 auto;background:var(--white);padding:48px;border-radius:14px;box-shadow:var(--shadow);}
article.post-body h1{font-size:34px;}
article.post-body h2{font-size:24px;margin-top:34px;}
article.post-body p{margin-bottom:18px;font-size:16.5px;color:#2c3644;}
article.post-body .meta{color:var(--slate-light);font-size:14px;margin-bottom:26px;}
.illustrative-note{background:#fdf6e8;border-left:4px solid var(--gold);padding:14px 18px;border-radius:6px;font-size:14px;color:#6b4f14;margin-bottom:30px;}
.disclaimer-box{background:var(--bg);border:1px solid var(--border);padding:16px 20px;border-radius:8px;font-size:13px;color:var(--slate);margin-top:36px;}

.breadcrumb{font-size:13px;color:var(--slate-light);margin-bottom:18px;}
.breadcrumb a{color:var(--slate-light);}

.faq-item{border-bottom:1px solid var(--border);padding:18px 0;}
.faq-item h3{font-size:17px;margin-bottom:8px;}
.faq-item p{color:var(--slate);margin:0;}

blockquote{border-left:4px solid var(--gold);margin:0;padding:6px 0 6px 20px;font-style:italic;color:var(--navy);font-size:17px;}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-dark));color:#fff;text-align:center;}
.cta-band h2{color:#fff;}
.cta-band p{color:#cfd8e6;font-size:17px;margin-bottom:26px;}

/* Footer */
footer{background:var(--navy-dark);color:#a9b4c4;padding:52px 0 26px;font-size:14px;}
footer h4{color:#fff;font-size:15px;margin-bottom:14px;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px;}
footer a{color:#a9b4c4;}
footer a:hover{color:#fff;}
footer ul{list-style:none;padding:0;margin:0;}
footer li{margin-bottom:9px;}
.footer-legal{border-top:1px solid rgba(255,255,255,0.1);padding-top:22px;font-size:12.5px;color:#7c879a;line-height:1.7;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;padding-top:18px;}

@media (max-width:900px){
  .logo-img{height:38px;}
  .hero .container{grid-template-columns:1fr;}
  .grid-3{grid-template-columns:1fr;}
  .grid-2{grid-template-columns:1fr;}
  .calc-wrap{grid-template-columns:1fr;}
  .calc-result{position:static;}
  .city-grid{grid-template-columns:repeat(2,1fr);}
  .post-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .main-nav{position:fixed;top:64px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;border-bottom:1px solid var(--border);display:none;}
  .main-nav.open{display:flex;}
  .nav-toggle{display:block;}
  .field-row{grid-template-columns:1fr;}
  .choice-grid{grid-template-columns:1fr;}
  article.post-body{padding:26px;}
}