/* 5C Properties — shared stylesheet. Navy + gold + white. No frameworks. */
:root{
  --navy:#0d2b4c;
  --navy-dark:#081e36;
  --gold:#c9a227;
  --gold-dark:#a8861c;
  --ink:#1c2733;
  --muted:#55677a;
  --bg:#ffffff;
  --bg-alt:#f3f6fa;
  --line:#d8e0e9;
  --radius:10px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;
}
a{color:var(--navy)}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* Header */
.site-header{background:var(--navy-dark);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 8px rgba(0,0,0,.25)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;max-width:1080px;margin:0 auto;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-size:1.45rem;font-weight:800;letter-spacing:.3px}
.logo span{color:var(--gold)}
.main-nav{display:flex;gap:4px;flex-wrap:wrap}
.main-nav a{color:#e8eef5;text-decoration:none;font-size:.95rem;padding:6px 10px;border-radius:6px}
.main-nav a:hover{background:rgba(255,255,255,.12);color:#fff}
.header-call{background:var(--gold);color:var(--navy-dark)!important;font-weight:700}
.header-call:hover{background:var(--gold-dark);color:#fff!important}

/* Hero */
.hero{background:linear-gradient(150deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:52px 0 46px}
.hero h1{font-size:2.35rem;line-height:1.2;margin-bottom:12px}
.hero h1 .accent{color:var(--gold)}
.hero .subhead{font-size:1.28rem;font-weight:600;color:#dfe8f2;margin-bottom:10px}
.hero .intro{color:#c8d6e5;max-width:640px;margin-bottom:24px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:start}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr}.hero h1{font-size:1.9rem}}

/* Lead form card */
.form-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:24px;box-shadow:0 10px 30px rgba(0,0,0,.28);border-top:5px solid var(--gold)}
.form-card h2,.form-card h3{font-size:1.25rem;margin-bottom:4px;color:var(--navy)}
.form-card p{color:var(--muted);font-size:.95rem;margin-bottom:14px}
.lead-form label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:10px}
.lead-form input,.lead-form textarea{
  width:100%;margin-top:4px;padding:11px 12px;border:1px solid var(--line);border-radius:7px;
  font:inherit;font-size:1rem;background:#fbfcfe;
}
.lead-form input:focus,.lead-form textarea:focus{outline:2px solid var(--gold);border-color:var(--gold);background:#fff}
.lead-form button{
  width:100%;background:var(--gold);color:var(--navy-dark);border:0;border-radius:7px;
  padding:14px;font:inherit;font-weight:800;font-size:1.05rem;cursor:pointer;margin-top:4px;
}
.lead-form button:hover{background:var(--gold-dark);color:#fff}
.form-note{font-size:.8rem;color:var(--muted);text-align:center;margin-top:10px}

/* Sections */
section{padding:44px 0}
section.alt{background:var(--bg-alt)}
h2{font-size:1.65rem;line-height:1.25;color:var(--navy);margin-bottom:14px}
h3{font-size:1.2rem;color:var(--navy);margin-bottom:8px}
p{margin-bottom:14px}
.lead{font-size:1.1rem}
.gold-rule{width:64px;height:4px;background:var(--gold);border-radius:2px;margin:10px 0 18px}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:10px}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--radius);padding:22px}
.step .num{display:inline-block;background:var(--navy);color:#fff;font-weight:800;border-radius:50%;width:34px;height:34px;line-height:34px;text-align:center;margin-bottom:10px}

/* Benefit cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:820px){.cards{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card h3{font-size:1.05rem;margin-bottom:6px}
.card p{color:var(--muted);font-size:.96rem;margin:0}

/* Three list columns */
.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:820px){.three-col{grid-template-columns:1fr}}
.list-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px}
.list-box h3{border-bottom:3px solid var(--gold);padding-bottom:8px;margin-bottom:12px}
ul.check{list-style:none}
ul.check li{padding:5px 0 5px 26px;position:relative}
ul.check li::before{content:"\2713";position:absolute;left:0;color:var(--gold-dark);font-weight:800}
ol.plain{margin-left:20px}
ol.plain li,ul.plain li{padding:4px 0}
ul.plain{list-style:none}
ul.plain li{padding:5px 0 5px 26px;position:relative}
ul.plain li::before{content:"\2022";position:absolute;left:6px;color:var(--gold-dark);font-weight:800}

/* Comparison */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:8px}
@media(max-width:820px){.compare{grid-template-columns:1fr}}
.compare .col{border-radius:var(--radius);padding:24px}
.compare .col.us{background:var(--navy);color:#eaf1f8}
.compare .col.us h3{color:#fff}
.compare .col.us ul.check li::before{color:var(--gold)}
.compare .col.them{background:#fff;border:1px solid var(--line)}
.compare .col p.sub{font-weight:600;margin-bottom:12px}

/* Options */
.options{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:820px){.options{grid-template-columns:1fr}}
.option{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff}
.option.best{border:2px solid var(--gold);background:#fffdf2}
.option .tag{font-size:.78rem;font-weight:800;letter-spacing:.6px;text-transform:uppercase;color:var(--gold-dark)}

/* FAQ */
.faq-item{border-bottom:1px solid var(--line);padding:16px 0}
.faq-item h3{font-size:1.05rem;margin-bottom:5px}
.faq-item p{color:var(--muted);margin:0}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#c8d6e5;max-width:640px;margin:0 auto 18px}
.cta-band .cta-phone{display:inline-block;background:var(--gold);color:var(--navy-dark);font-weight:800;font-size:1.2rem;text-decoration:none;padding:14px 30px;border-radius:8px}
.cta-band .cta-phone:hover{background:var(--gold-dark);color:#fff}
.cta-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center;text-align:left}
@media(max-width:820px){.cta-grid{grid-template-columns:1fr}}

/* Footer */
.site-footer{background:var(--navy-dark);color:#b9c9da;padding:40px 0 90px}
.site-footer a{color:#e8eef5;text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:12px}
.site-footer ul{list-style:none}
.site-footer li{padding:4px 0}
.footer-logo{font-size:1.35rem;font-weight:800;color:#fff}
.footer-logo span{color:var(--gold)}
.footer-call{font-size:1.3rem;font-weight:800;color:var(--gold)!important}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;font-size:.88rem;color:#8fa5bb}

/* Sticky mobile call bar */
.callbar{
  position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;
  background:var(--gold);text-align:center;box-shadow:0 -3px 12px rgba(0,0,0,.25);
}
.callbar a{display:block;color:var(--navy-dark);font-weight:800;font-size:1.1rem;text-decoration:none;padding:15px 10px}
@media(max-width:760px){.callbar{display:block}}