:root {
  --navy: #0b2d52;
  --navy-deep: #071d36;
  --gold: #c9a96a;
  --gold-soft: #ead8b8;
  --ink: #15293f;
  --muted: #58708a;
  --paper: #f8f7f4;
  --white: #fff;
  --line: #dce3e9;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: "DM Sans", sans-serif; font-size: 16px; line-height: 1.55; }
a { color: inherit; text-decoration: none; }
.skip-link { background: var(--navy); color: white; left: -1000px; padding: .75rem 1rem; position: absolute; top: 0; z-index: 10; }
.skip-link:focus { left: 0; }

.site-header { align-items: center; background: rgba(248,247,244,.94); border-bottom: 1px solid rgba(11,45,82,.08); display: flex; gap: 2.25rem; justify-content: space-between; padding: 1rem clamp(1.25rem, 5vw, 6rem); position: sticky; top: 0; z-index: 5; }
.brand { display: inline-flex; flex: 0 1 275px; }
.brand img { display: block; height: auto; max-width: 100%; }
nav { display: flex; gap: 1.65rem; margin-left: auto; }
nav a { color: var(--muted); font-size: .9rem; font-weight: 600; }
nav a:hover, .footer-links a:hover { color: var(--gold); }
.header-cta { border: 1px solid var(--gold); color: var(--navy); font-size: .84rem; font-weight: 700; padding: .7rem 1rem; white-space: nowrap; }

.hero { display: grid; gap: clamp(2.5rem, 8vw, 9rem); grid-template-columns: minmax(0, 1.15fr) minmax(300px, .85fr); margin: 0 auto; max-width: 1380px; padding: clamp(4.5rem, 10vw, 9rem) clamp(1.25rem, 7vw, 7rem); }
.hero-copy { align-self: center; max-width: 720px; }
.eyebrow { color: #95733a; font-size: .72rem; font-weight: 700; letter-spacing: .14em; margin: 0 0 1.1rem; text-transform: uppercase; }
h1, h2 { color: var(--navy); font-family: "Playfair Display", serif; font-weight: 600; letter-spacing: -.035em; line-height: 1.06; margin: 0; }
h1 { font-size: clamp(2.9rem, 6vw, 5.65rem); }
h2 { font-size: clamp(2rem, 4vw, 3.55rem); }
.lead { color: var(--muted); font-size: clamp(1.1rem, 1.65vw, 1.34rem); margin: 1.6rem 0 2.1rem; max-width: 630px; }
.actions { display: flex; flex-wrap: wrap; gap: .85rem; }
.button { align-items: center; display: inline-flex; font-size: .93rem; font-weight: 700; justify-content: center; min-height: 52px; padding: .85rem 1.3rem; transition: transform .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { background: var(--navy); color: white; }
.button-primary:hover { background: var(--navy-deep); }
.button-secondary { border: 1px solid var(--navy); color: var(--navy); }
.note { color: var(--muted); font-size: .86rem; margin-top: 1.35rem; }

.hero-card { background: var(--navy); box-shadow: 20px 20px 0 var(--gold-soft); color: white; min-height: 480px; padding: clamp(2rem, 4vw, 3.25rem); position: relative; }
.hero-card::after { border: 1px solid rgba(255,255,255,.23); bottom: 1.5rem; content: ""; left: 1.5rem; pointer-events: none; position: absolute; right: 1.5rem; top: 1.5rem; }
.hero-mark { margin-bottom: 3.6rem; position: relative; width: 100px; z-index: 1; }
.hero-mark img { display:block; width:100%; }
.card-kicker, .card-title, .card-detail, .card-line { position: relative; z-index: 1; }
.card-kicker { color: var(--gold-soft); font-size: .74rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.card-title { font-family: "Playfair Display", serif; font-size: clamp(1.75rem, 2.7vw, 2.45rem); line-height: 1.2; margin: 1rem 0; }
.card-line { background: var(--gold); height: 2px; margin: 1.65rem 0; width: 54px; }
.card-detail { font-size: .9rem; max-width: 290px; }

.intro { margin: 0 auto; max-width: 850px; padding: clamp(4.5rem, 10vw, 9rem) 1.25rem; text-align: center; }
.intro p:last-child { color: var(--muted); font-size: 1.08rem; margin: 1.4rem auto 0; max-width: 700px; }
.steps { background: white; padding: clamp(4.5rem, 9vw, 8rem) clamp(1.25rem, 7vw, 7rem); }
.section-heading { margin: 0 auto 3.5rem; max-width: 1180px; }
.steps ol { display: grid; gap: 2rem; grid-template-columns: repeat(3, 1fr); list-style: none; margin: 0 auto; max-width: 1180px; padding: 0; }
.steps li { border-top: 2px solid var(--gold); padding-top: 1.3rem; }
.steps li span { color: var(--gold); font-size: .8rem; font-weight: 700; letter-spacing: .1em; }
h3 { color: var(--navy); font-size: 1.2rem; margin: .65rem 0 .55rem; }
.steps li p, .audience-grid p { color: var(--muted); margin: 0; }

.audiences { display: grid; gap: 4rem; grid-template-columns: .8fr 1.2fr; margin: 0 auto; max-width: 1380px; padding: clamp(4.5rem, 9vw, 8rem) clamp(1.25rem, 7vw, 7rem); }
.audience-grid { display: grid; gap: 1rem; grid-template-columns: repeat(2, 1fr); }
.audience-grid article { background: white; border-bottom: 3px solid transparent; padding: 1.45rem; transition: border-color .2s ease; }
.audience-grid article:hover { border-color: var(--gold); }
.audience-grid h3 { margin-top: 0; }

.providers { background: var(--navy-deep); color: white; padding: clamp(4.5rem, 9vw, 8rem) clamp(1.25rem, 7vw, 7rem); text-align: center; }
.providers h2 { color: white; }
.providers .eyebrow { color: var(--gold-soft); }
.provider-list { display: flex; flex-wrap: wrap; gap: .7rem; justify-content: center; margin: 2.2rem auto 1.25rem; max-width: 1000px; }
.provider-list span { border: 1px solid rgba(255,255,255,.35); font-size: 1.03rem; font-weight: 600; padding: .8rem 1.1rem; }
.provider-note { color: #b9c7d6; font-size: .85rem; margin: 0 auto; max-width: 560px; }

.contact { align-items: center; background: var(--gold); color: var(--navy-deep); display: flex; gap: 3rem; justify-content: space-between; padding: clamp(4rem, 7vw, 6rem) clamp(1.25rem, 10vw, 12rem); }
.contact h2 { color: var(--navy-deep); max-width: 710px; }
.contact p:not(.eyebrow) { margin: 1rem 0 0; max-width: 630px; }
.contact .eyebrow { color: var(--navy); }
.button-light { background: var(--navy); color: white; flex: 0 0 auto; }

footer { align-items: center; background: var(--paper); display: grid; gap: 1rem 2rem; grid-template-columns: 1fr auto; padding: 2.2rem clamp(1.25rem, 5vw, 6rem); }
.footer-brand { max-width: 225px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 1rem 1.5rem; justify-content: flex-end; }
.footer-links a, footer p { color: var(--muted); font-size: .83rem; }
footer p { grid-column: 1 / -1; margin: 0; }

@media (max-width: 880px) {
  .site-header { gap: 1rem; }
  nav { display: none; }
  .brand { max-width: 220px; }
  .hero, .audiences { grid-template-columns: 1fr; }
  .hero { gap: 3rem; }
  .hero-card { min-height: 380px; }
  .steps ol { grid-template-columns: 1fr; }
  .contact { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 540px) {
  .site-header { padding: .85rem 1rem; }
  .brand { max-width: 164px; }
  .header-cta { font-size: .72rem; padding: .58rem .65rem; }
  .audience-grid { grid-template-columns: 1fr; }
  footer { grid-template-columns: 1fr; }
  .footer-links { justify-content: flex-start; }
}