:root{
    --navy-950:#0A121F;
    --navy-900:#0F1B2E;
    --navy-800:#16283F;
    --navy-700:#20334E;
    --line:#2A3B57;
    --ink:#EEF1F6;
    --ink-dim:#A9B4C6;
    --ink-faint:#6E7B92;
    --gold:#F0B23B;
    --gold-soft:#F0B23B22;
    --teal:#3FBF9F;
    --radius:14px;
  }
  *{box-sizing:border-box; margin:0; padding:0;}
  html{scroll-behavior:smooth;}
  body{
    background:var(--navy-950);
    color:var(--ink);
    font-family:'Archivo', sans-serif;
    line-height:1.5;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  h1,h2,h3, .display{
    font-family:'Space Grotesk', sans-serif;
    letter-spacing:-0.02em;
  }
  a{color:inherit; text-decoration:none;}
  img,svg{display:block; max-width:100%;}
  .wrap{max-width:1140px; margin:0 auto; padding:0 28px;}
  @media (max-width:640px){ .wrap{padding:0 20px;} }

  /* subtle background texture */
  body::before{
    content:"";
    position:fixed; inset:0;
    background:
      radial-gradient(1100px 500px at 15% -10%, #F0B23B14, transparent 60%),
      radial-gradient(900px 500px at 110% 10%, #3FBF9F12, transparent 60%);
    pointer-events:none;
    z-index:0;
  }

  /* ===== NAV ===== */
  header{
    position:sticky; top:0; z-index:50;
    background:rgba(10,18,31,0.82);
    backdrop-filter:blur(10px);
    border-bottom:1px solid var(--line);
  }
  .nav{
    display:flex; align-items:center; justify-content:space-between;
    padding:18px 28px;
    max-width:1140px; margin:0 auto;
  }
  .brand{
    display:flex; align-items:center; gap:10px;
    font-family:'Space Grotesk', sans-serif;
    font-weight:700; font-size:18px; letter-spacing:-0.01em;
  }
  .brand .mark{
    width:30px; height:30px;
    flex-shrink:0;
  }
  .brand-text{
    display:flex; flex-direction:column; line-height:1.15;
  }
  .brand-line1{
    font-weight:700; font-size:16px; color:var(--ink);
  }
  .brand-line2{
    font-weight:500; font-size:10.5px; letter-spacing:0.12em;
    text-transform:uppercase; color:var(--ink-dim);
    margin-top:1px;
  }
  nav.links{display:flex; gap:34px; font-size:14.5px; color:var(--ink-dim);}
  nav.links a:hover{color:var(--ink);}
  .nav-cta{
    background:var(--gold); color:var(--navy-950);
    padding:10px 20px; border-radius:999px;
    font-weight:600; font-size:14px;
    white-space:nowrap;
  }
  .nav-cta:hover{background:#f5c264;}
  @media (max-width:760px){ nav.links{display:none;} }

  /* ===== HERO ===== */
  .hero{
    position:relative; z-index:1;
    padding:100px 0 70px;
  }
  .eyebrow{
    display:inline-flex; align-items:center; gap:8px;
    font-size:13px; font-weight:600; letter-spacing:0.06em; text-transform:uppercase;
    color:var(--gold);
    background:var(--gold-soft);
    border:1px solid #F0B23B3d;
    padding:7px 14px; border-radius:999px;
    margin-bottom:26px;
  }
  .eyebrow .dot{width:6px; height:6px; border-radius:50%; background:var(--teal);}
  .hero h1{
    font-size:clamp(38px, 6vw, 68px);
    font-weight:700;
    line-height:1.04;
    max-width:820px;
  }
  .hero h1 .accent{color:var(--gold);}
  .hero p.lead{
    margin-top:24px;
    font-size:19px;
    color:var(--ink-dim);
    max-width:560px;
    line-height:1.6;
  }
  .hero-actions{
    display:flex; gap:16px; margin-top:38px; flex-wrap:wrap;
  }
  .btn-primary{
    background:var(--gold); color:var(--navy-950);
    padding:15px 28px; border-radius:10px;
    font-weight:700; font-size:15.5px;
    display:inline-flex; align-items:center; gap:8px;
  }
  .btn-primary:hover{background:#f5c264;}
  .btn-secondary{
    border:1px solid var(--line); color:var(--ink);
    padding:15px 28px; border-radius:10px;
    font-weight:600; font-size:15.5px;
  }
  .btn-secondary:hover{border-color:#4a5f82; background:var(--navy-800);}

  /* ===== SIGNATURE: dispute journey line ===== */
  .journey{
    margin-top:80px;
    border:1px solid var(--line);
    border-radius:20px;
    background:linear-gradient(180deg, var(--navy-900), var(--navy-800));
    padding:40px 36px 30px;
    position:relative;
    overflow:hidden;
  }
  .journey-head{
    display:flex; justify-content:space-between; align-items:baseline;
    margin-bottom:6px; flex-wrap:wrap; gap:10px;
  }
  .journey-head h3{font-size:15px; font-weight:600; color:var(--ink-dim); text-transform:uppercase; letter-spacing:0.05em;}
  .journey-head span{font-size:13px; color:var(--ink-faint);}
  .journey svg{width:100%; height:auto; margin-top:18px;}
  .journey-path{
    fill:none; stroke:var(--gold); stroke-width:3;
    stroke-linecap:round;
    stroke-dasharray:900;
    stroke-dashoffset:900;
    animation:draw 2.2s ease-out 0.3s forwards;
  }
  .journey-fill{
    opacity:0;
    animation:fadein 1.5s ease-out 1.6s forwards;
  }
  @keyframes draw{ to{ stroke-dashoffset:0; } }
  @keyframes fadein{ to{ opacity:1; } }
  .jm{ fill:var(--navy-950); stroke:var(--gold); stroke-width:2.5; }
  .jm-teal{ stroke:var(--teal); }
  .jlabel{ font-family:'Archivo',sans-serif; font-size:12.5px; fill:var(--ink-dim); }
  .jlabel-strong{ fill:var(--ink); font-weight:600; }
  @media (prefers-reduced-motion: reduce){
    .journey-path{animation:none; stroke-dashoffset:0;}
    .journey-fill{animation:none; opacity:1;}
  }

  /* ===== TRUST STRIP ===== */
  .trust{
    border-top:1px solid var(--line);
    border-bottom:1px solid var(--line);
    padding:26px 0;
    position:relative; z-index:1;
  }
  .trust .wrap{
    display:flex; flex-wrap:wrap; gap:28px 44px;
    justify-content:center; align-items:center;
  }
  .trust-item{
    display:flex; align-items:center; gap:10px;
    font-size:14px; color:var(--ink-dim); font-weight:500;
  }
  .trust-item svg{width:18px; height:18px; flex-shrink:0; color:var(--teal);}

  /* ===== SECTION shell ===== */
  section{position:relative; z-index:1;}
  .section-pad{padding:96px 0;}
  .section-head{max-width:600px; margin-bottom:56px;}
  .kicker{
    font-size:13px; font-weight:700; letter-spacing:0.08em; text-transform:uppercase;
    color:var(--teal); margin-bottom:14px; display:block;
  }
  .section-head h2{font-size:clamp(28px,4vw,40px); font-weight:700; line-height:1.15;}
  .section-head p{margin-top:16px; color:var(--ink-dim); font-size:16.5px;}

  /* ===== SERVICES ===== */
  .cards{
    display:grid; grid-template-columns:repeat(3,1fr); gap:22px;
  }
  @media (max-width:860px){ .cards{grid-template-columns:1fr;} }
  .card{
    border:1px solid var(--line); border-radius:16px;
    padding:32px 26px;
    background:var(--navy-900);
    transition:border-color .2s, transform .2s;
  }
  .card:hover{border-color:#3d5175; transform:translateY(-3px);}
  .card .num{
    font-family:'Space Grotesk',sans-serif; font-size:13px; color:var(--gold);
    font-weight:700; letter-spacing:0.06em; margin-bottom:18px; display:block;
  }
  .card h3{font-size:19px; font-weight:600; margin-bottom:10px;}
  .card p{color:var(--ink-dim); font-size:14.5px; line-height:1.6;}

  /* ===== HOW IT WORKS ===== */
  .steps{
    display:grid; gap:0;
    border:1px solid var(--line);
    border-radius:16px;
    overflow:hidden;
  }
  .step{
    display:grid; grid-template-columns:64px 1fr; gap:22px;
    padding:28px 30px;
    border-bottom:1px solid var(--line);
    background:var(--navy-900);
  }
  .step:last-child{border-bottom:none;}
  .step:nth-child(even){background:var(--navy-800);}
  .step-num{
    font-family:'Space Grotesk',sans-serif;
    font-size:22px; font-weight:700; color:var(--gold);
  }
  .step h4{font-size:17px; font-weight:600; margin-bottom:6px;}
  .step p{color:var(--ink-dim); font-size:14.5px; max-width:560px;}

  /* ===== WHY / DIFFERENTIATORS ===== */
  .why-grid{
    display:grid; grid-template-columns:1fr 1fr; gap:16px;
  }
  @media (max-width:760px){ .why-grid{grid-template-columns:1fr;} }
  .why-item{
    display:flex; gap:16px;
    padding:24px;
    border:1px solid var(--line);
    border-radius:14px;
    background:var(--navy-900);
  }
  .why-icon{
    width:40px; height:40px; border-radius:10px; flex-shrink:0;
    background:var(--gold-soft); color:var(--gold);
    display:flex; align-items:center; justify-content:center;
  }
  .why-icon svg{width:20px; height:20px;}
  .why-item h4{font-size:15.5px; font-weight:600; margin-bottom:5px;}
  .why-item p{font-size:14px; color:var(--ink-dim); line-height:1.55;}

  /* ===== CTA / CONTACT ===== */
  .cta-band{
    border-radius:22px;
    background:linear-gradient(135deg, var(--navy-800), var(--navy-900));
    border:1px solid var(--line);
    padding:64px 48px;
    text-align:center;
    position:relative;
    overflow:hidden;
  }
  .cta-band::after{
    content:"";
    position:absolute; inset:0;
    background:radial-gradient(600px 260px at 50% 0%, #F0B23B1c, transparent 70%);
  }
  .cta-band > *{position:relative;}
  .cta-band h2{font-size:clamp(26px,4vw,36px); font-weight:700; max-width:560px; margin:0 auto;}
  .cta-band p{color:var(--ink-dim); margin-top:14px; max-width:480px; margin-left:auto; margin-right:auto;}
  .cta-band .hero-actions{justify-content:center; margin-top:32px;}

  /* ===== FOOTER ===== */
  footer{
    border-top:1px solid var(--line);
    padding:44px 0 32px;
  }
  .footer-top{
    display:flex; justify-content:space-between; align-items:flex-start;
    flex-wrap:wrap; gap:24px;
    margin-bottom:28px;
  }
  .footer-brand{font-family:'Space Grotesk',sans-serif; font-weight:700; font-size:16px;}
  .footer-links{display:flex; gap:26px; font-size:14px; color:var(--ink-dim);}
  .footer-links a:hover{color:var(--ink);}
  .disclosure{
    font-size:12.5px; color:var(--ink-faint); line-height:1.7;
    border-top:1px solid var(--line); padding-top:24px;
  }

  ::selection{background:var(--gold); color:var(--navy-950);}

  /* ===== PAGE HEADER (for non-home pages) ===== */
  .page-header{
    padding:64px 0 20px;
    position:relative; z-index:1;
  }
  .page-header .kicker{margin-bottom:14px;}
  .page-header h1{font-size:clamp(32px,5vw,48px); font-weight:700; line-height:1.1; max-width:700px;}
  .page-header p.lead{margin-top:18px; color:var(--ink-dim); font-size:17px; max-width:600px;}

  /* ===== FAQ ACCORDION ===== */
  .faq-list{max-width:760px;}
  .faq-item{
    border:1px solid var(--line); border-radius:12px;
    margin-bottom:14px; background:var(--navy-900); overflow:hidden;
  }
  .faq-q{
    display:flex; justify-content:space-between; align-items:center;
    padding:20px 24px; cursor:pointer; font-weight:600; font-size:15.5px;
    list-style:none;
  }
  .faq-q::-webkit-details-marker{display:none;}
  .faq-q .plus{color:var(--gold); font-size:20px; font-weight:400; flex-shrink:0; margin-left:16px; transition:transform .2s;}
  details[open] .plus{transform:rotate(45deg);}
  .faq-a{padding:0 24px 22px; color:var(--ink-dim); font-size:14.5px; line-height:1.65;}

  /* ===== BLOG ===== */
  .blog-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:22px;}
  @media (max-width:760px){ .blog-grid{grid-template-columns:1fr;} }
  .blog-card{
    border:1px solid var(--line); border-radius:16px; background:var(--navy-900);
    padding:28px; display:flex; flex-direction:column; gap:12px;
  }
  .blog-card .blog-tag{font-size:12px; font-weight:700; letter-spacing:0.05em; text-transform:uppercase; color:var(--teal);}
  .blog-card h3{font-size:18px; font-weight:600;}
  .blog-card p{font-size:14px; color:var(--ink-dim); line-height:1.6;}
  .blog-card .blog-meta{font-size:12.5px; color:var(--ink-faint); margin-top:auto; padding-top:8px;}
  .empty-state{
    border:1px dashed var(--line); border-radius:16px; padding:48px 32px;
    text-align:center; color:var(--ink-dim); font-size:15px;
  }

  /* ===== FORM ===== */
  .form-wrap{max-width:560px;}
  .form-group{margin-bottom:20px;}
  .form-group label{display:block; font-size:13.5px; font-weight:600; color:var(--ink-dim); margin-bottom:8px;}
  .form-group input, .form-group textarea, .form-group select{
    width:100%; background:var(--navy-900); border:1px solid var(--line); border-radius:10px;
    padding:13px 16px; color:var(--ink); font-family:'Archivo',sans-serif; font-size:14.5px;
  }
  .form-group input:focus, .form-group textarea:focus, .form-group select:focus{
    outline:none; border-color:var(--gold);
  }
  .form-group textarea{resize:vertical; min-height:120px;}
  .form-note{font-size:12.5px; color:var(--ink-faint); margin-top:6px;}
  .btn-primary.submit{border:none; cursor:pointer; font-family:'Archivo',sans-serif;}

  /* ===== SIMPLE CONTENT (privacy/legal pages) ===== */
  .prose{max-width:760px;}
  .prose h2{font-size:22px; font-weight:700; margin:36px 0 14px;}
  .prose h2:first-child{margin-top:0;}
  .prose p{color:var(--ink-dim); font-size:15px; line-height:1.75; margin-bottom:14px;}
  .prose ul{color:var(--ink-dim); font-size:15px; line-height:1.75; margin:0 0 14px 22px;}
  .prose .updated{color:var(--ink-faint); font-size:13px; margin-bottom:36px;}

  /* ===== CONTACT INFO CARDS ===== */
  .contact-grid{display:grid; grid-template-columns:1fr 1fr; gap:32px; align-items:start;}
  @media (max-width:800px){ .contact-grid{grid-template-columns:1fr;} }
  .contact-info-card{
    border:1px solid var(--line); border-radius:16px; padding:28px; background:var(--navy-900);
    margin-bottom:16px;
  }
  .contact-info-card h4{font-size:14px; font-weight:600; color:var(--gold); text-transform:uppercase; letter-spacing:0.04em; margin-bottom:8px;}
  .contact-info-card p{color:var(--ink-dim); font-size:14.5px; line-height:1.6;}