:root {
  --bg: #0b1c2e;
  --bg-card: #0f2438;
  --bg-input: #071524;
  --gold: #f0b94d;
  --gold-hover: #ffc75e;
  --teal: #2dd4bf;
  --text: #ffffff;
  --text-muted: #94a3b8;
  --border: rgba(255, 255, 255, 0.08);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background-color: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }

.container {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Header & Nav */
header {
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  background: rgba(11, 28, 46, 0.95);
  backdrop-filter: blur(8px);
  z-index: 100;
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  font-size: 20px;
  font-weight: 800;
  letter-spacing: 0.5px;
}

.logo span { color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  font-size: 15px;
  font-weight: 500;
}

.nav-links a:hover { color: var(--gold); }

.nav-links .advisor-link {
  color: var(--teal);
  font-size: 14px;
}

.btn-primary {
  display: inline-block;
  background: var(--gold);
  color: #0b1c2e;
  font-weight: 700;
  padding: 12px 24px;
  border-radius: 8px;
  transition: background 0.2s;
  border: none;
  cursor: pointer;
  font-size: 15px;
}

.btn-primary:hover { background: var(--gold-hover); }

/* Hero */
.hero {
  text-align: center;
  padding: 90px 0 60px;
}

.badge {
  display: inline-block;
  background: rgba(45, 212, 191, 0.12);
  color: var(--teal);
  border: 1px solid rgba(45, 212, 191, 0.3);
  padding: 6px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 24px;
}

.hero h1 {
  font-size: 52px;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
}

.hero h1 .accent { color: var(--gold); }

.hero p {
  font-size: 20px;
  color: var(--text-muted);
  max-width: 680px;
  margin: 0 auto 36px;
}

/* Cards & Grid */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 48px 0;
}

.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 32px;
  display: flex;
  flex-direction: column;
}

.card h3 {
  font-size: 22px;
  margin-bottom: 12px;
  color: #fff;
}

.card p {
  color: var(--text-muted);
  font-size: 15px;
  margin-bottom: 20px;
  flex-grow: 1;
}

.card-link {
  color: var(--gold);
  font-weight: 600;
  font-size: 15px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.card-link:hover { text-decoration: underline; }

/* Quote Form */
.form-box {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 40px;
  max-width: 640px;
  margin: 0 auto 60px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 14px;
  color: #e2e8f0;
  margin-bottom: 8px;
  font-weight: 500;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: var(--bg-input);
  color: #fff;
  font-family: inherit;
  font-size: 15px;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* Footer */
footer {
  border-top: 1px solid var(--border);
  padding: 60px 0 40px;
  color: var(--text-muted);
  font-size: 14px;
}

.footer-wrap {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 32px;
  margin-bottom: 40px;
}

.footer-col h4 {
  color: #fff;
  margin-bottom: 16px;
  font-size: 16px;
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  text-align: center;
  font-size: 13px;
}

@media (max-width: 840px) {
  .hero h1 { font-size: 36px; }
  .grid-3 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .nav-links { display: none; }
}