:root {
  --navy: #14283F;
  --navy-deep: #0d1c2e;
  --brass: #B98B3E;
  --brass-light: #D8AE63;
  --ink: #121826;
  --muted: #5c6472;
  --ledger: #EDF1F6;
  --ledger-line: #d7e0ea;
  --paper: #ffffff;
  --border: #dfe4ea;
}

* { box-sizing: border-box; }

html, body { margin: 0; background: var(--paper); }

body {
  font-family: "IBM Plex Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  line-height: 1.65;
}

h1, h2, h3 { font-family: "Fraunces", Georgia, serif; text-wrap: balance; }

a { color: var(--brass); }
a:hover { color: var(--brass-light); }

.container { max-width: 1080px; margin: 0 auto; padding: 0 24px; }

/* Header */
.site-header {
  background: var(--navy);
  background-image: repeating-linear-gradient(
    to bottom,
    rgba(185,139,62,0.10) 0px,
    rgba(185,139,62,0.10) 1px,
    transparent 1px,
    transparent 40px
  );
  position: sticky;
  top: 0;
  z-index: 30;
  box-shadow: 0 2px 12px rgba(0,0,0,0.18);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo { height: 46px; width: auto; display: block; }
.brand-name {
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: #fff;
  letter-spacing: 0.01em;
}
@media (max-width: 560px) { .brand-name { display: none; } }
.site-nav { display: flex; gap: 30px; align-items: center; }
.site-nav a {
  color: #cfd8e3;
  text-decoration: none;
  font-weight: 500;
  font-size: 0.92rem;
  letter-spacing: 0.02em;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.site-nav a.active, .site-nav a:hover { color: #fff; border-bottom-color: var(--brass); }

/* Hero */
.hero {
  background: var(--navy);
  background-image: repeating-linear-gradient(
    to bottom,
    rgba(185,139,62,0.08) 0px,
    rgba(185,139,62,0.08) 1px,
    transparent 1px,
    transparent 36px
  );
  padding: 76px 0 0;
  text-align: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.hero .container { position: relative; z-index: 2; padding-bottom: 48px; }
.hero-skyline {
  display: block;
  width: 100%;
  height: auto;
  position: relative;
  z-index: 1;
}

/* Facts strip */
.facts {
  background: var(--navy-deep);
  border-top: 1px solid rgba(255,255,255,0.08);
}
.facts .container {
  display: flex;
  padding: 0;
}
.fact {
  flex: 1;
  text-align: center;
  padding: 22px 16px;
  border-left: 1px solid rgba(255,255,255,0.08);
}
.fact:first-child { border-left: none; }
.fact .fact-value {
  font-family: "Fraunces", serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--brass-light);
  display: block;
}
.fact .fact-label {
  font-size: 0.76rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #93a1b3;
  margin-top: 4px;
  display: block;
}
@media (max-width: 700px) {
  .facts .container { flex-wrap: wrap; }
  .fact { flex: 1 1 50%; border-left: none; border-top: 1px solid rgba(255,255,255,0.08); }
}
.hero-eyebrow {
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass-light);
  font-weight: 600;
  margin-bottom: 18px;
}
.hero h1 {
  font-size: 2.6rem;
  font-weight: 600;
  margin: 0 0 18px;
  color: #fff;
}
.hero p.lead {
  font-size: 1.12rem;
  color: #b9c4d2;
  max-width: 600px;
  margin: 0 auto 30px;
}
.btn {
  display: inline-block;
  padding: 12px 26px;
  border-radius: 3px;
  font-weight: 600;
  font-size: 0.92rem;
  cursor: pointer;
  border: 1px solid transparent;
  text-decoration: none;
  font-family: "IBM Plex Sans", sans-serif;
}
.btn-primary { background: var(--brass); color: var(--navy-deep); }
.btn-primary:hover { background: var(--brass-light); color: var(--navy-deep); }
.btn-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.4);
  margin-left: 12px;
}
.btn-outline:hover { border-color: #fff; color: #fff; }

section { padding: 64px 0; }
section.ledger { background: var(--ledger); }
section.navy-section {
  background: var(--navy);
  color: #cfd8e3;
}
h2.section-title {
  font-size: 1.7rem;
  font-weight: 600;
  margin: 0 0 10px;
  text-align: center;
}
.navy-section h2.section-title { color: #fff; }
p.section-sub {
  text-align: center;
  color: var(--muted);
  max-width: 540px;
  margin: 0 auto 44px;
  font-size: 0.98rem;
}
.navy-section p.section-sub { color: #a9b6c6; }

/* Icons (line-art, brand key motif reused) */
.icon-mark { width: 40px; height: 40px; display: block; margin-bottom: 18px; }

/* Service cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
}
@media (max-width: 800px) { .card-grid { grid-template-columns: 1fr; } }
.card { background: var(--paper); padding: 32px; }
.card h3 { margin: 0 0 4px; font-size: 1.15rem; font-weight: 600; color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: 0.95rem; }
.fee-tag {
  display: inline-block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--brass);
  margin-bottom: 10px;
}

/* How it works — genuine numbered sequence */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
  counter-reset: step;
}
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; padding-left: 52px; }
.step .num {
  position: absolute;
  left: 0; top: 0;
  font-family: "Fraunces", serif;
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--brass);
  font-variant-numeric: tabular-nums;
}
.step h3 { margin: 2px 0 8px; font-size: 1.05rem; color: var(--navy); }
.step p { margin: 0; color: var(--muted); font-size: 0.94rem; }

/* Statement-style ledger list */
.statement {
  max-width: 640px;
  margin: 0 auto;
  background: var(--paper);
  border: 1px solid var(--border);
}
.statement-row {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 16px 24px;
  border-bottom: 1px solid var(--ledger-line);
  font-size: 0.95rem;
}
.statement-row:last-child { border-bottom: none; background: var(--ledger); font-weight: 600; }
.statement-row .label { color: var(--muted); }
.statement-row .value { font-variant-numeric: tabular-nums; text-align: right; color: var(--ink); }

/* Contact form — underline style, ledger-line feel */
.form-card {
  background: var(--paper);
  border: 1px solid var(--border);
  padding: 40px;
  max-width: 560px;
  margin: 0 auto;
}
label {
  display: block;
  font-size: 0.76rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 600;
  margin: 22px 0 8px;
}
label:first-of-type { margin-top: 0; }
input, textarea {
  width: 100%;
  padding: 10px 2px;
  border: none;
  border-bottom: 1px solid var(--border);
  border-radius: 0;
  font-size: 1rem;
  font-family: inherit;
  background: transparent;
}
input:focus, textarea:focus { outline: none; border-bottom-color: var(--brass); }
textarea { resize: vertical; min-height: 110px; }
.form-note { font-size: 0.85rem; color: var(--muted); margin-top: 20px; }
.alert-success {
  padding: 14px 18px;
  margin-bottom: 24px;
  font-size: 0.95rem;
  background: #e8f3ec;
  color: #1a6b3f;
  border-left: 3px solid #1a6b3f;
}
.alert-error {
  padding: 14px 18px;
  margin-bottom: 24px;
  font-size: 0.95rem;
  background: #fbe9e7;
  color: #b3261e;
  border-left: 3px solid #b3261e;
}
.honeypot { position: absolute; left: -9999px; opacity: 0; }

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: #93a1b3;
  padding: 36px 0;
  font-size: 0.85rem;
}
.site-footer .container {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.site-footer a { color: var(--brass-light); }

/* Statement breakdown visualisation */
.breakdown-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  max-width: 900px;
  margin: 0 auto;
}
@media (max-width: 760px) { .breakdown-grid { grid-template-columns: 1fr; } }
.breakdown-heading {
  text-align: center;
  margin-bottom: 18px;
}
.breakdown-heading h3 {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
}
.breakdown-heading span {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--brass);
  margin-top: 2px;
}
.breakdown-total {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
  font-size: 0.95rem;
  color: var(--muted);
}
.breakdown-total strong {
  font-family: "Fraunces", serif;
  font-size: 1.3rem;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}
.breakdown-track {
  display: flex;
  gap: 2px;
  height: 24px;
  border-radius: 4px;
  overflow: hidden;
  background: var(--paper);
}
.bar-seg { height: 100%; }
.breakdown-labels {
  display: flex;
  gap: 2px;
  margin-top: 12px;
  font-size: 0.85rem;
}
.breakdown-labels .item { min-width: 0; }
.breakdown-labels .item:last-child { text-align: right; }
.swatch {
  display: inline-block;
  width: 9px; height: 9px;
  border-radius: 2px;
  margin-right: 6px;
}
.breakdown-labels .label-name { color: var(--muted); }
.breakdown-labels .label-value {
  display: block;
  font-weight: 600;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  margin-top: 2px;
}
.breakdown-caption {
  text-align: center;
  font-size: 0.82rem;
  color: var(--muted);
  font-style: italic;
  margin-top: 18px;
}

/* Welcome chat widget */
.chat-launcher {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--brass);
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 16px rgba(13,28,46,0.28);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 50;
}
.chat-launcher:hover { background: var(--brass-light); }
.chat-launcher svg { width: 26px; height: 26px; }
.chat-launcher .icon-close { display: none; }
.chat-launcher.open .icon-chat { display: none; }
.chat-launcher.open .icon-close { display: block; }

.chat-panel {
  position: fixed;
  bottom: 92px;
  right: 24px;
  width: 336px;
  max-width: calc(100vw - 32px);
  max-height: min(480px, calc(100vh - 140px));
  background: var(--paper);
  border-radius: 6px;
  box-shadow: 0 12px 40px rgba(13,28,46,0.28);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  z-index: 49;
}
.chat-panel[hidden] { display: none; }
.chat-head {
  background: var(--navy);
  color: #fff;
  padding: 16px 18px;
}
.chat-head strong { font-family: "Fraunces", serif; font-size: 1.05rem; font-weight: 600; }
.chat-head span { display: block; font-size: 0.8rem; color: #a9b6c6; margin-top: 2px; }
.chat-thread {
  flex: 1;
  overflow-y: auto;
  padding: 16px 18px;
  background: var(--ledger);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.bubble {
  max-width: 84%;
  padding: 9px 13px;
  border-radius: 10px;
  font-size: 0.88rem;
  line-height: 1.5;
}
.bubble.bot { align-self: flex-start; background: #fff; color: var(--ink); border: 1px solid var(--border); border-bottom-left-radius: 2px; }
.bubble.user { align-self: flex-end; background: var(--navy); color: #fff; border-bottom-right-radius: 2px; }
.chat-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding: 4px 0 0;
}
.chip {
  font: inherit;
  font-size: 0.82rem;
  background: #fff;
  border: 1px solid var(--brass);
  color: var(--navy);
  padding: 6px 12px;
  border-radius: 20px;
  cursor: pointer;
}
.chip:hover { background: var(--brass); color: #fff; }
.chat-footer {
  border-top: 1px solid var(--border);
  padding: 12px 18px;
  background: #fff;
}
.chat-footer a.btn {
  display: block;
  text-align: center;
  padding: 9px 0;
  font-size: 0.86rem;
}