:root{--navy:#0A1E33;--navy2:#10294A;--gold:#E8B931;--cream:#F4EDDE;--red:#D7392B;--white:#fff;--muted:#a9b8cc}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--navy);color:var(--white);font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:18px;line-height:1.6}
a{color:var(--gold)}
img{max-width:100%;height:auto}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
.western{font-family:"Rye",Georgia,serif;font-weight:400;color:var(--white);letter-spacing:.5px}
.gold{color:var(--gold)}
/* nav */
.nav{position:sticky;top:0;z-index:10;background:rgba(10,30,51,.94);backdrop-filter:blur(6px);border-bottom:1px solid rgba(232,185,49,.15)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--white)}
.brand img{width:44px;height:44px;border-radius:10px}
.brand span{font-family:"Rye",serif;font-size:22px}
.nav-links{display:flex;gap:18px;align-items:center}
.nav-links a{text-decoration:none;font-weight:600;font-size:15px}
.btn{display:inline-block;background:var(--gold);color:var(--navy);border:0;border-radius:10px;padding:12px 22px;font-weight:700;font-size:16px;text-decoration:none;cursor:pointer;font-family:inherit}
.btn:hover{filter:brightness(1.07)}
.btn.ghost{background:transparent;color:var(--gold);border:2px solid var(--gold)}
section{padding:72px 0}
/* hero */
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.logo-card{background:var(--cream);border-radius:22px;padding:10px;box-shadow:0 20px 50px rgba(0,0,0,.35);max-width:440px;margin:0 auto}
.logo-card img{display:block;border-radius:14px}
.hero h1{font-size:clamp(30px,4.2vw,50px);line-height:1.15;margin:0 0 20px}
.hero p{color:#dbe3ee;margin:0 0 16px}
.hero .big{font-size:22px;color:var(--gold);font-weight:700}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
/* questions */
.qs .wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.qs h2{font-style:italic;font-weight:700;text-transform:uppercase;font-size:clamp(22px,2.6vw,30px);line-height:1.35;margin:0}
.qs h2 span{display:block;margin-bottom:22px}
.pad{background:#fdf3a6;border-radius:4px;box-shadow:0 14px 30px rgba(0,0,0,.4);position:relative;padding:58px 22px 26px 64px;color:#c4261b;font-size:17px;
  background-image:linear-gradient(transparent 31px,#9cc3dd 32px);background-size:100% 32px;background-position:0 50px;line-height:32px;transform:rotate(1.2deg)}
.pad:before{content:"LEGAL PAD";position:absolute;top:0;left:0;right:0;height:46px;background:#e9d77a;color:#5a4a12;font-weight:700;letter-spacing:2px;font-size:14px;display:flex;align-items:center;justify-content:center;border-bottom:3px solid #c9b45a}
.pad:after{content:"";position:absolute;top:46px;bottom:0;left:48px;border-left:2px solid #e48b8b}
.pad ul{margin:0;padding:0;list-style:none}
.pad li:before{content:"- "}
.warn{display:grid;grid-template-columns:1fr 240px;gap:24px;align-items:end;margin-top:48px}
.warn p{color:var(--gold);text-transform:uppercase;font-weight:700;font-size:clamp(18px,2vw,23px);line-height:1.45;margin:0}
/* intro */
.intro{text-align:center}
.intro p{max-width:820px;margin:0 auto 18px;color:#dbe3ee}
.intro h2{font-size:clamp(26px,3.4vw,40px);margin:24px 0 12px}
.intro .lead{color:var(--gold);font-weight:700;font-size:21px}
/* features */
.features{background:var(--navy2)}
.features h2{text-align:center;font-size:clamp(26px,3.2vw,38px);margin:0 0 36px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--navy);border:1px solid rgba(232,185,49,.25);border-radius:16px;padding:28px;text-align:center}
.card svg{width:54px;height:54px;color:var(--gold)}
.card h3{color:var(--gold);margin:12px 0 8px;font-size:21px}
.card p{margin:0;color:#cfd8e6;font-size:16px}
.features .close{max-width:820px;margin:40px auto 0;text-align:center;color:#dbe3ee}
/* CTA */
.cta{text-align:center}
.cal-btn{display:inline-block;text-decoration:none;transition:transform .2s;margin:10px 0 24px}
.cal-btn:hover,.cal-btn:focus{transform:scale(1.05) rotate(-2deg)}
.cal-btn svg{width:min(240px,60vw);height:auto;filter:drop-shadow(0 16px 30px rgba(0,0,0,.45))}
.cta h2{font-size:clamp(28px,3.6vw,44px);margin:0 0 8px}
.steps{list-style:none;padding:0;margin:0 auto;max-width:560px;color:#dbe3ee;font-size:20px}
.steps li{margin:6px 0}
.cta .final{color:var(--gold);font-weight:700;font-size:22px;margin-top:18px}
.pricing{margin:40px auto 0;max-width:520px;border:2px dashed var(--gold);border-radius:16px;padding:20px}
.pricing h3{margin:0 0 6px;color:var(--gold)}
.pricing p{margin:0;color:#dbe3ee}
/* apply */
.apply{background:var(--navy2)}
.apply .wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:start}
.apply h2{font-size:clamp(26px,3vw,36px);margin:0 0 12px}
.apply p{color:#dbe3ee}
form.f{background:var(--navy);border:1px solid rgba(232,185,49,.25);border-radius:16px;padding:26px;display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.f .full{grid-column:1/-1}
label{display:block;font-size:14px;font-weight:600;color:var(--gold);margin-bottom:4px}
input,select,textarea{width:100%;padding:11px 12px;border-radius:9px;border:1px solid #2c4a72;background:#0e2440;color:#fff;font:inherit;font-size:16px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:transparent}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:#cfd8e6;line-height:1.45;font-weight:400}
.consent input{width:auto;margin-top:3px}
.msg{grid-column:1/-1;padding:12px;border-radius:9px;display:none}
.msg.ok{display:block;background:#173d2a;color:#b9f0cd}
.msg.bad{display:block;background:#4a1b1b;color:#ffd0d0}
/* disclaimer + footer */
.disclaimer{padding:30px 0;font-size:14px;color:var(--muted);text-align:center;border-top:1px solid rgba(255,255,255,.08)}
footer{padding:40px 0;text-align:center;border-top:1px solid rgba(232,185,49,.2)}
footer img{width:150px}
footer .contact{color:var(--gold);font-weight:700;font-size:19px;margin:8px 0}
footer .arc{font-family:"Brush Script MT","Segoe Script",cursive;color:var(--gold);font-size:28px;margin:10px 0}
footer .links a{margin:0 10px;font-size:15px}
/* legal pages */
.legal{max-width:820px;margin:0 auto;padding:48px 24px}
.legal h1{font-size:38px;margin:0 0 6px}
.legal h2{color:var(--gold);font-size:21px;margin-top:32px}
.legal p,.legal li{color:#dbe3ee;font-size:16px}
.legal .box{border:1px solid var(--gold);border-radius:12px;padding:16px 20px;background:var(--navy2)}
@media (max-width:820px){
  .hero .wrap,.qs .wrap,.apply .wrap{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr}
  .warn{grid-template-columns:1fr}.warn img{max-width:200px;justify-self:end}
  form.f{grid-template-columns:1fr}
  .nav-links .hide-sm{display:none}
  section{padding:52px 0}
}