:root {
  --navy: #0d1f3c;
  --navy-mid: #142b52;
  --navy-light: #1e3d6e;
  --gold: #b8963e;
  --gold-light: #d4af5f;
  --gold-pale: #f0dfa0;
  --cream: #f8f5ee;
  --white: #ffffff;
  --text-dark: #0d1f3c;
  --text-muted: #5a6a7e;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', sans-serif;
  background: var(--white);
  color: var(--text-dark);
  overflow-x: hidden;
}

/* NAV */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 60px;
  background: rgba(13,31,60,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(184,150,62,0.2);
  transition: padding 0.3s;
}
nav.scrolled { padding: 10px 60px; box-shadow: 0 4px 30px rgba(0,0,0,0.3); }

.nav-brand {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px; font-weight: 500; color: var(--white);
  text-decoration: none; letter-spacing: 1px;
}
.nav-brand span { color: var(--gold-light); }

.nav-links { display: flex; gap: 28px; list-style: none; align-items: center; }
.nav-links a {
  text-decoration: none; color: rgba(255,255,255,0.7);
  font-size: 11px; font-weight: 500; letter-spacing: 1.5px;
  text-transform: uppercase; transition: color 0.25s;
}
.nav-links a:hover { color: var(--gold-light); }

.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); padding: 10px 24px;
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 600;
  letter-spacing: 1.5px; text-transform: uppercase;
  border: none; cursor: pointer; transition: all 0.3s; text-decoration: none;
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(184,150,62,0.4); }

.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--gold-light); margin: 5px 0; transition: 0.3s; }

/* PAGE HERO */
.page-hero {
  padding: 160px 60px 80px;
  background: var(--navy);
  position: relative;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 60% at 75% 50%, rgba(184,150,62,0.06) 0%, transparent 70%);
}
.page-hero-content { position: relative; z-index: 2; max-width: 700px; }
.section-eyebrow { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.section-eyebrow .line { width: 32px; height: 1px; background: var(--gold-light); }
.section-eyebrow span { font-size: 11px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold-light); font-weight: 500; }
.page-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 56px); font-weight: 300;
  line-height: 1.15; color: var(--white);
}

/* CONTENT SECTION */
.content-section { padding: 80px 60px; max-width: 1200px; margin: 0 auto; }
.content-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 64px; align-items: start; }
.content-section p { font-size: 14px; line-height: 1.85; color: var(--text-muted); font-weight: 300; margin-bottom: 16px; }
.content-section h2.section-title-sm {
  font-family: 'Cormorant Garamond', serif; font-size: 28px; font-weight: 500;
  color: var(--navy); margin-bottom: 16px;
}
.content-section h3 { font-family: 'Cormorant Garamond', serif; font-size: 22px; font-weight: 500; color: var(--navy); margin: 32px 0 12px; }
.content-section ul, .content-section ol { margin: 12px 0 20px 20px; }
.content-section li { font-size: 13px; line-height: 1.8; color: var(--text-muted); font-weight: 300; margin-bottom: 6px; }
.content-section strong { font-weight: 600; color: var(--text-dark); }

/* LEGAL SINGLE COLUMN */
.content-single { max-width: 800px; }

/* SIDEBAR */
.sidebar { display: flex; flex-direction: column; gap: 24px; }
.sidebar-card {
  background: var(--cream); padding: 32px; border: 1px solid rgba(13,31,60,0.08);
}
.sidebar-card h4 {
  font-family: 'Cormorant Garamond', serif; font-size: 18px; font-weight: 500;
  color: var(--navy); margin-bottom: 16px;
}
.sidebar-card p { font-size: 13px; line-height: 1.7; color: var(--text-muted); font-weight: 300; margin-bottom: 10px; }
.sidebar-stat { display: flex; justify-content: space-between; align-items: baseline; padding: 12px 0; border-bottom: 1px solid rgba(13,31,60,0.08); }
.sidebar-stat:last-of-type { border-bottom: none; }
.stat-val { font-family: 'Cormorant Garamond', serif; font-size: 24px; color: var(--gold); font-weight: 500; }
.stat-lbl { font-size: 11px; color: var(--text-muted); letter-spacing: 1px; text-transform: uppercase; }

/* FAQ */
.faq-item { border-bottom: 1px solid rgba(13,31,60,0.1); padding: 24px 0; }
.faq-q {
  font-family: 'Cormorant Garamond', serif; font-size: 20px; font-weight: 500;
  color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center;
}
.faq-q::after { content: '+'; font-size: 24px; color: var(--gold); transition: transform 0.3s; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.3s; }
.faq-item.open .faq-a { max-height: 400px; padding-top: 16px; }
.faq-a p { font-size: 13px; line-height: 1.8; color: var(--text-muted); font-weight: 300; }

/* FOOTER */
footer {
  background: #080f1d; padding: 30px 60px;
  border-top: 1px solid rgba(184,150,62,0.12);
}
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-copy { font-size: 11px; color: rgba(255,255,255,0.25); }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: 11px; color: rgba(255,255,255,0.3); text-decoration: none; transition: color 0.2s; }
.footer-legal a:hover { color: var(--gold-light); }

/* RESPONSIVE */
@media (max-width: 1100px) {
  .content-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  nav { padding: 14px 24px; }
  .nav-links { display: none; }
  .hamburger { display: block; }
  .nav-links.open {
    display: flex; flex-direction: column;
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--navy); padding: 24px; gap: 16px;
    border-bottom: 1px solid rgba(184,150,62,0.2);
  }
  .page-hero { padding: 120px 24px 60px; }
  .content-section { padding: 48px 24px; }
  footer { padding: 20px 24px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-legal { flex-wrap: wrap; justify-content: center; }
}