:root {
  --black: #0d0d0d;
  --charcoal: #1f2326;
  --deep-blue: #14305a;
  --gold: #c9a227;
  --leaf-green: #3f7d3a;
  --off-white: #f7f5ef;
  --text: #1d1d1d;
  --muted: #5a5a5a;
  --radius: 10px;
  --max: 1100px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--text);
  background: var(--off-white);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--deep-blue); }
h1, h2, h3 { line-height: 1.2; margin: 0 0 0.5em; }
p { margin: 0 0 1em; }

.container { width: min(100% - 40px, var(--max)); margin: 0 auto; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 8px 20px;
  background: var(--black);
  border-bottom: 2px solid var(--gold);
}
.brand-logo { height: 56px; width: auto; border-radius: 6px; }
.site-nav { display: flex; gap: 22px; }
.site-nav a { color: #fff; text-decoration: none; font-weight: 600; }
.site-nav a:hover, .site-nav a:focus { color: var(--gold); }

.menu-toggle {
  display: none;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
}
.menu-toggle span {
  display: block;
  width: 26px;
  height: 3px;
  margin: 5px 0;
  background: var(--gold);
  border-radius: 2px;
}

/* Hero */
.hero {
  background:
    radial-gradient(circle at 80% 20%, rgba(201, 162, 39, 0.18), transparent 45%),
    linear-gradient(160deg, var(--black), var(--charcoal) 60%, var(--deep-blue));
  color: #fff;
  padding: 90px 0 100px;
  text-align: center;
}
.hero-inner { width: min(100% - 40px, 760px); margin: 0 auto; }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.85rem;
  color: var(--gold);
  font-weight: 700;
}
.hero h1 { font-size: clamp(2.2rem, 6vw, 3.6rem); margin-bottom: 0.4em; }
.hero-lead { font-size: 1.15rem; color: #e6e6e6; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 28px; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 12px 24px;
  border-radius: 999px;
  font-weight: 700;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  font-size: 1rem;
  font-family: inherit;
}
.btn-primary { background: var(--gold); color: var(--black); }
.btn-primary:hover, .btn-primary:focus { background: #e0b735; }
.btn-ghost { border-color: var(--gold); color: #fff; }
.btn-ghost:hover, .btn-ghost:focus { background: rgba(201, 162, 39, 0.15); }

/* Sections */
.section { padding: 80px 0; }
.section-light { background: #fff; }
.section-dark { background: var(--charcoal); color: #f2f2f2; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section h2 { font-size: clamp(1.7rem, 4vw, 2.4rem); }
.lead { font-size: 1.1rem; color: var(--muted); max-width: 760px; }
.section-dark .lead { color: #cfcfcf; }

.card-grid, .help-grid {
  display: grid;
  gap: 22px;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  margin-top: 30px;
}
.card {
  background: var(--off-white);
  border-top: 4px solid var(--leaf-green);
  border-radius: var(--radius);
  padding: 24px;
}
.help-item {
  background: var(--charcoal);
  border: 1px solid #3a3f44;
  border-top: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 24px;
}
.help-item p { color: #d6d6d6; }
.help-item .btn { margin-top: 6px; }

.banking {
  margin-top: 40px;
  padding: 24px;
  border: 1px dashed var(--gold);
  border-radius: var(--radius);
  background: rgba(0, 0, 0, 0.25);
}
.note { font-size: 0.9rem; color: #bdbdbd; margin-bottom: 0; }

/* Partner */
.partner-logos {
  display: grid;
  gap: 30px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  align-items: center;
  margin-top: 30px;
}
.partner-figure {
  margin: 0;
  background: #fff;
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: 0 6px 22px rgba(20, 48, 90, 0.15);
}
.partner-figure img { margin: 0 auto; max-height: 340px; object-fit: contain; }

/* Contact */
.contact-layout {
  display: grid;
  gap: 40px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  align-items: start;
}
.contact-layout a { color: var(--gold); }
.interest-form {
  background: #fff;
  color: var(--text);
  padding: 28px;
  border-radius: var(--radius);
}
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 11px 12px;
  font: inherit;
  border: 1px solid #b9b9b9;
  border-radius: 8px;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 3px solid var(--gold);
  outline-offset: 1px;
}
.form-status { margin: 12px 0 0; font-weight: 600; color: var(--leaf-green); }

/* Footer */
.site-footer {
  background: var(--black);
  color: #cfcfcf;
  padding: 28px 0;
  font-size: 0.92rem;
}
.footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; }
.site-footer a { color: var(--gold); }
.site-footer p { margin: 0; }

/* Mobile */
@media (max-width: 760px) {
  .menu-toggle { display: block; }
  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    gap: 0;
    background: var(--black);
    border-bottom: 2px solid var(--gold);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 14px 20px; border-top: 1px solid #222; }
  .site-header { position: sticky; }
  .brand-logo { height: 46px; }
  .hero { padding: 64px 0 70px; }
  .section { padding: 56px 0; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}