:root {
  --black:#070707;
  --black2:#11100f;
  --charcoal:#191714;
  --cream:#f4efe6;
  --white:#fff;
  --gold:#b6782f;
  --gold2:#d19b55;
  --red:#7d241d;
  --muted:#b9b1a7;
  --border:rgba(255,255,255,.12);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Roboto,Arial,sans-serif;background:var(--black);color:var(--cream);line-height:1.6}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}.container{width:min(1180px,calc(100% - 40px));margin:0 auto}
.site-header{position:fixed;top:0;left:0;right:0;z-index:50;background:rgba(4,4,4,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}.nav-wrap{height:84px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;align-items:center;gap:12px;font-family:Oswald,sans-serif;text-transform:uppercase;letter-spacing:.05em;font-size:.87rem;line-height:1.15}.brand img{width:58px;height:58px;object-fit:cover;border-radius:50%;border:1px solid rgba(182,120,47,.55)}.brand strong{color:var(--gold2);font-weight:600}.main-nav{display:flex;align-items:center;gap:27px;font-family:Oswald,sans-serif;text-transform:uppercase;font-size:.88rem;letter-spacing:.08em}.main-nav a{opacity:.88}.main-nav a:hover{opacity:1;color:var(--gold2)}.nav-cta{padding:11px 16px;border:1px solid var(--gold);color:var(--gold2)!important}.menu-toggle{display:none;background:none;border:1px solid var(--border);color:#fff;font-size:1.4rem;padding:6px 10px}
.hero{min-height:820px;display:flex;align-items:center;position:relative;background:url('assets/hero.jpeg') center/cover no-repeat;padding-top:84px}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,0,0,.90) 0%,rgba(0,0,0,.74) 45%,rgba(0,0,0,.35) 72%,rgba(0,0,0,.2) 100%),linear-gradient(0deg,rgba(0,0,0,.65),transparent 45%)}.hero-content{position:relative;z-index:2;padding:90px 0;max-width:760px;margin-left:max(20px,calc((100vw - 1180px)/2));margin-right:auto}.eyebrow{font-family:Oswald,sans-serif;text-transform:uppercase;letter-spacing:.18em;color:var(--gold2);font-weight:600;font-size:.82rem;margin-bottom:14px}.hero h1,.section h2,.cta-section h2{font-family:Oswald,sans-serif;text-transform:uppercase;line-height:.98;letter-spacing:.015em;margin:0}.hero h1{font-size:clamp(3.2rem,7vw,6.7rem);max-width:880px}.hero h1 span{color:var(--gold2)}.hero p{font-size:1.13rem;color:#ddd4c9;max-width:690px;margin:25px 0 30px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 24px;font-family:Oswald,sans-serif;text-transform:uppercase;letter-spacing:.08em;font-weight:600;border:1px solid transparent;transition:.2s}.btn-primary{background:var(--gold);color:#090807}.btn-primary:hover{background:var(--gold2)}.btn-secondary{border-color:#d0c2af;background:rgba(0,0,0,.35);color:#fff}.btn-light{background:var(--cream);color:#17120d}.full{width:100%}.hero-points{display:flex;gap:24px;flex-wrap:wrap;margin-top:38px;font-size:.86rem;text-transform:uppercase;letter-spacing:.05em;color:#d8cfc3}
.trust-strip{background:#0e0d0c;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-grid>div{padding:28px 24px;border-right:1px solid var(--border)}.trust-grid>div:first-child{padding-left:0}.trust-grid>div:last-child{border-right:0}.trust-grid strong{display:block;font-family:Oswald,sans-serif;text-transform:uppercase;color:var(--gold2);letter-spacing:.08em}.trust-grid span{font-size:.85rem;color:var(--muted)}
.section{padding:105px 0;background:#0a0a0a}.section:nth-of-type(even){background:#0d0c0b}.section-heading{max-width:750px;margin-bottom:46px}.section h2,.cta-section h2{font-size:clamp(2.4rem,5vw,4.2rem)}.section-heading p,.content-panel>p,.quote-copy>p,.contact-grid>div:first-child p{color:var(--muted);font-size:1.03rem}.cards{display:grid;gap:22px}.cards.three{grid-template-columns:repeat(3,1fr)}.card{background:linear-gradient(180deg,#151412,#0c0c0b);border:1px solid var(--border);padding:34px;min-height:265px}.card-icon{font-size:2.1rem;color:var(--gold2)}.card h3{font-family:Oswald,sans-serif;text-transform:uppercase;font-size:1.6rem;margin:20px 0 10px}.card p{color:var(--muted);margin:0}.split-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:65px;align-items:center}.image-panel img{width:100%;aspect-ratio:1/1;object-fit:cover;border:1px solid rgba(182,120,47,.45);box-shadow:0 0 0 8px rgba(255,255,255,.025)}.content-panel h2{margin-bottom:25px}.feature-list{margin-top:34px;border-top:1px solid var(--border)}.feature-list>div{display:grid;grid-template-columns:64px 1fr;gap:10px;padding:19px 0;border-bottom:1px solid var(--border)}.feature-list span{font-family:Oswald,sans-serif;color:var(--gold2);font-size:1.35rem}.feature-list p{margin:0;color:var(--muted)}.feature-list strong{color:var(--cream)}
.dark-section{background:linear-gradient(135deg,#17120d,#080808)!important;border-top:1px solid rgba(182,120,47,.25);border-bottom:1px solid rgba(182,120,47,.25)}.broker-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.broker-grid p{color:var(--muted);font-size:1.03rem}.check-panel{display:grid;grid-template-columns:1fr 1fr;gap:14px}.check-panel div{padding:18px;background:rgba(255,255,255,.035);border:1px solid var(--border);font-size:.92rem}.quote-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}.contact-box{margin-top:35px;padding:25px;border-left:3px solid var(--gold);background:#12110f}.contact-box span{display:block;color:var(--muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;margin-top:10px}.contact-box span:first-child{margin-top:0}.contact-box a{font-family:Oswald,sans-serif;font-size:1.25rem;color:var(--cream);word-break:break-word}.quote-form{background:#12110f;border:1px solid var(--border);padding:30px}.quote-form label{display:block;font-size:.81rem;text-transform:uppercase;letter-spacing:.08em;color:#d8d0c4;margin-bottom:15px}.quote-form input,.quote-form textarea{width:100%;margin-top:8px;border:1px solid #3a342d;background:#090909;color:#fff;padding:14px;font:inherit;outline:none}.quote-form input:focus,.quote-form textarea:focus{border-color:var(--gold)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-note{color:#817b73;font-size:.75rem;margin:12px 0 0}.cta-section{padding:64px 0;background:var(--gold);color:#0d0b08}.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:30px}.cta-section .eyebrow{color:#2b1c0e}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px}.contact-card{border-top:1px solid var(--border)}.contact-card p{margin:0;padding:18px 0;border-bottom:1px solid var(--border);display:grid;grid-template-columns:120px 1fr;gap:15px}.contact-card span{text-transform:uppercase;font-size:.75rem;letter-spacing:.1em;color:var(--gold2)}.contact-card a,.contact-card strong{font-weight:500;word-break:break-word}
.footer{background:#050505;padding:42px 0;border-top:1px solid var(--border)}.footer-inner{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center}.footer-brand{display:flex;align-items:center;gap:13px}.footer-brand img{width:62px;height:62px;object-fit:cover;border-radius:50%}.footer-brand strong{font-family:Oswald,sans-serif;text-transform:uppercase;letter-spacing:.05em}.footer-brand span,.footer p{font-size:.78rem;color:#8d877f}.footer-links{display:flex;gap:20px;font-family:Oswald,sans-serif;text-transform:uppercase;font-size:.8rem;letter-spacing:.08em}.footer p{grid-column:1/-1;margin:0;padding-top:18px;border-top:1px solid var(--border)}
@media (max-width:900px){.menu-toggle{display:block}.main-nav{display:none;position:absolute;top:84px;left:0;right:0;background:#080808;padding:22px 20px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--border)}.main-nav.open{display:flex}.nav-cta{text-align:center}.hero{min-height:730px;background-position:center}.hero-content{margin-left:0;padding:80px 0}.trust-grid{grid-template-columns:1fr 1fr}.trust-grid>div:nth-child(2){border-right:0}.trust-grid>div:first-child{padding-left:24px}.split-grid,.broker-grid,.quote-grid,.contact-grid{grid-template-columns:1fr;gap:42px}.cards.three{grid-template-columns:1fr}.check-panel{grid-template-columns:1fr 1fr}.cta-inner{align-items:flex-start;flex-direction:column}.footer-inner{grid-template-columns:1fr}.footer-links{flex-wrap:wrap}}
@media (max-width:580px){.container{width:min(100% - 28px,1180px)}.brand span{display:none}.nav-wrap{height:72px}.main-nav{top:72px}.hero{padding-top:72px;min-height:680px}.hero h1{font-size:3.25rem}.hero p{font-size:1rem}.hero-points{display:grid;gap:8px}.trust-grid{grid-template-columns:1fr}.trust-grid>div{border-right:0;border-bottom:1px solid var(--border);padding:20px 0!important}.section{padding:78px 0}.section h2,.cta-section h2{font-size:2.65rem}.check-panel,.form-row{grid-template-columns:1fr}.quote-form{padding:20px}.contact-card p{grid-template-columns:1fr;gap:4px}.footer-links{gap:14px}.footer-brand img{width:52px;height:52px}}