:root{
    --ink:#0c1b2a;
    --ink-2:#16324d;
    --slate:#3b5468;
    --mut:#6b7f8f;
    --paper:#f7f5f0;
    --card:#ffffff;
    --line:#e3ddd2;
    --gold:#c9a227;
    --gold-d:#a8871c;
    --gold-soft:#f4ead1;
    --green:#1e7a4f;
    --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
    --sans:"Avenir Next",Avenir,-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
    --shadow:0 1px 2px rgba(12,27,42,.06),0 8px 28px rgba(12,27,42,.08);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{
    font-family:var(--sans);
    color:var(--ink);
    background:var(--paper);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  .wrap{max-width:1120px;margin:0 auto;padding:0 24px}
  /* ---------- NAV ---------- */
  header{
    position:sticky;top:0;z-index:50;
    background:rgba(12,27,42,.98);
    backdrop-filter:saturate(140%) blur(6px);
    border-bottom:1px solid rgba(255,255,255,.08);
  }
  .nav{display:flex;align-items:center;justify-content:space-between;height:72px}
  .brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
  .brand .mark{
    width:40px;height:40px;border-radius:9px;background:linear-gradient(135deg,var(--gold),var(--gold-d));
    display:grid;place-items:center;color:var(--ink);font-family:var(--serif);font-weight:700;font-size:20px;
    box-shadow:inset 0 -2px 0 rgba(0,0,0,.18);
  }
  .brand b{font-family:var(--serif);font-size:19px;letter-spacing:.2px}
  .brand small{display:block;font-size:11px;color:#aebcc9;font-weight:500;letter-spacing:.6px;text-transform:uppercase}
  .nav-links{display:flex;align-items:center;gap:30px}
  .nav-links a{color:#d8e2eb;text-decoration:none;font-size:14.5px;font-weight:500}
  .nav-links a:hover{color:#fff}
  .nav-cta{
    background:var(--gold);color:var(--ink)!important;padding:10px 18px;border-radius:8px;font-weight:600;
  }
  .nav-cta:hover{background:var(--gold-d);color:#fff!important}
  .burger{display:none;background:none;border:0;cursor:pointer;color:#fff;font-size:24px;padding:8px}
  /* ---------- HERO ---------- */
  .hero{
    background:
      radial-gradient(1200px 500px at 85% -10%,rgba(201,162,39,.16),transparent 60%),
      radial-gradient(900px 480px at 10% 110%,rgba(22,50,77,.85),transparent 55%),
      linear-gradient(160deg,#0c1b2a 0%,#12293f 55%,#0e2233 100%);
    color:#fff;position:relative;overflow:hidden;
  }
  .hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;padding-top:88px;padding-bottom:104px;align-items:center}
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;font-size:12px;letter-spacing:2px;text-transform:uppercase;
    color:var(--gold);font-weight:600;margin-bottom:18px;
  }
  .eyebrow::before{content:"";width:26px;height:1px;background:var(--gold)}
  h1{
    font-family:var(--serif);font-size:clamp(34px,5vw,56px);line-height:1.08;letter-spacing:-.5px;
    font-weight:700;margin-bottom:22px;
  }
  h1 .accent{color:var(--gold)}
  .hero p.lead{font-size:clamp(16px,2vw,19px);color:#d3dde6;max-width:34em;margin-bottom:30px}
  .hero-btns{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
  .btn{
    display:inline-flex;align-items:center;gap:8px;padding:14px 22px;border-radius:9px;
    font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer;
    transition:transform .12s ease,box-shadow .12s ease,background .12s ease;
  }
  .btn:active{transform:translateY(1px)}
  .btn-gold{background:var(--gold);color:var(--ink)}
  .btn-gold:hover{background:var(--gold-d);color:#fff;box-shadow:0 10px 24px rgba(201,162,39,.35)}
  .btn-ghost{border-color:rgba(255,255,255,.28);color:#fff;background:transparent}
  .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.06)}
  .trust{display:flex;align-items:center;gap:26px;flex-wrap:wrap}
  .trust .tq{display:flex;align-items:center;gap:10px;font-size:13.5px;color:#b9c6d2}
  .trust .tq b{color:#fff;font-family:var(--serif);font-size:20px;display:block;line-height:1.1}
  .trust .tq span{display:block;font-size:12px;color:#93a5b4}
  .chev{width:1px;height:34px;background:rgba(255,255,255,.16)}
  /* hero card */
  .hero-card{
    background:linear-gradient(180deg,rgba(255,255,255,.07),rgba(255,255,255,.03));
    border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:26px;
    box-shadow:0 30px 60px rgba(0,0,0,.35);
  }
  .hc-label{font-size:11px;letter-spacing:1.6px;text-transform:uppercase;color:#9fb0be;margin-bottom:16px;font-weight:600}
  .hc-row{
    display:flex;justify-content:space-between;gap:16px;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.1);
  }
  .hc-row:last-child{border-bottom:0}
  .hc-row .nm{font-size:13.5px;color:#c9d4dd}
  .hc-row .nm small{display:block;color:#8497a6;font-size:11.5px;margin-top:2px}
  .hc-row .amt{font-family:var(--serif);font-size:18px;font-weight:700;color:var(--gold);white-space:nowrap}
  .hc-foot{margin-top:16px;font-size:12px;color:#8497a6;display:flex;justify-content:space-between;flex-wrap:wrap;gap:6px}
  /* ---------- SECTIONS ---------- */
  section{padding:84px 0}
  .sec-head{max-width:760px;margin-bottom:52px}
  .kicker{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-d);font-weight:700;margin-bottom:12px}
  h2{font-family:var(--serif);font-size:clamp(27px,3.4vw,38px);line-height:1.15;letter-spacing:-.3px}
  .sec-head p{color:var(--slate);margin-top:14px;font-size:17px}
  /* how it works */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:step}
  .step{
    background:var(--card);border:1px solid var(--line);border-radius:14px;padding:28px 24px 24px;
    position:relative;box-shadow:var(--shadow);
  }
  .step::before{
    counter-increment:step;content:"0" counter(step);
    font-family:var(--serif);font-size:15px;color:#fff;background:var(--ink-2);
    width:38px;height:38px;border-radius:9px;display:grid;place-items:center;margin-bottom:20px;
  }
  .step h3{font-family:var(--serif);font-size:19px;margin-bottom:8px}
  .step p{font-size:14px;color:var(--slate)}
  .step .tag{display:inline-block;margin-top:14px;font-size:11.5px;font-weight:700;color:var(--gold-d);background:var(--gold-soft);padding:4px 10px;border-radius:20px;letter-spacing:.3px}
  /* ---------- WHAT WE RECOVER ---------- */
  .what{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .asset-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .asset{
    border:1px solid var(--line);border-radius:14px;padding:26px;background:var(--paper);
    transition:transform .14s ease,box-shadow .14s ease;
  }
  .asset:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
  .asset .ic{
    width:44px;height:44px;border-radius:10px;background:var(--ink-2);color:var(--gold);
    display:grid;place-items:center;font-size:19px;margin-bottom:16px;
  }
  .asset h3{font-family:var(--serif);font-size:18px;margin-bottom:6px}
  .asset p{font-size:14px;color:var(--slate)}
  /* ---------- WHY ---------- */
  .why{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
  .why-list li{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid var(--line);list-style:none}
  .why-list li:last-child{border-bottom:0}
  .why-list .dot{flex:0 0 auto;width:26px;height:26px;border-radius:50%;background:var(--gold-soft);color:var(--gold-d);display:grid;place-items:center;font-weight:700;font-size:13px;margin-top:3px}
  .why-list h4{font-family:var(--serif);font-size:17px;margin-bottom:2px}
  .why-list p{font-size:14px;color:var(--slate)}
  .why-aside{
    background:var(--ink);color:#fff;border-radius:16px;padding:32px;box-shadow:var(--shadow);
  }
  .why-aside h3{font-family:var(--serif);font-size:22px;margin-bottom:14px}
  .why-aside p{color:#c6d2dc;font-size:14.5px;margin-bottom:18px}
  .why-aside .num{font-family:var(--serif);font-size:44px;color:var(--gold);line-height:1;margin-bottom:4px}
  .why-aside .cap{font-size:12.5px;color:#9fb0be;margin-bottom:22px}
  /* ---------- COMPLIANCE ---------- */
  .comp{background:var(--ink);color:#dfe7ee;border-radius:18px;padding:46px 44px;display:grid;grid-template-columns:auto 1fr;gap:30px;align-items:start}
  .comp .shield{font-size:34px;color:var(--gold);background:rgba(201,162,39,.12);width:66px;height:66px;border-radius:14px;display:grid;place-items:center}
  .comp h2{color:#fff;font-size:26px;margin-bottom:14px}
  .comp p{font-size:15px;color:#b9c6d2;max-width:60em}
  .comp ul{margin-top:16px;display:flex;flex-wrap:wrap;gap:10px}
  .comp ul li{list-style:none;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);padding:8px 14px;border-radius:20px;font-size:13px;color:#d8e2eb}
  /* ---------- CTA ---------- */
  .cta{background:var(--gold-soft);border:1px solid var(--line);border-radius:18px;padding:56px 48px;text-align:center}
  .cta h2{font-family:var(--serif);font-size:clamp(26px,3.4vw,36px);margin-bottom:12px}
  .cta p{color:var(--slate);font-size:17px;max-width:34em;margin:0 auto 28px}
  /* ---------- CONTACT ---------- */
  .contact{background:var(--card);border:1px solid var(--line);border-radius:18px;overflow:hidden;display:grid;grid-template-columns:1fr 1fr}
  .contact .info{padding:44px}
  .contact .info h3{font-family:var(--serif);font-size:22px;margin-bottom:8px}
  .contact .info>p{color:var(--slate);font-size:15px;margin-bottom:26px}
  .cfield{margin-bottom:16px}
  .cfield label{display:block;font-size:12.5px;font-weight:600;color:var(--ink-2);margin-bottom:5px;letter-spacing:.3px;text-transform:uppercase}
  .cfield .val{font-size:15.5px;color:var(--ink);display:flex;align-items:center;gap:10px}
  .cfield .val .ph{color:var(--mut);font-style:italic}
  .cform{padding:40px;background:var(--paper);border-left:1px solid var(--line)}
  .cform h3{font-family:var(--serif);font-size:20px;margin-bottom:18px}
  .in{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:9px;font-size:15px;font-family:var(--sans);background:#fff;margin-bottom:12px;color:var(--ink)}
  .in:focus{outline:2px solid var(--gold);outline-offset:-1px;border-color:var(--gold)}
  textarea.in{min-height:110px;resize:vertical}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
  .form-note{font-size:12px;color:var(--mut);margin-top:10px}
  /* ---------- FOOTER ---------- */
  footer{background:#081420;color:#93a5b4;padding:46px 0 34px;border-top:1px solid rgba(255,255,255,.06)}
  .foot{display:grid;grid-template-columns:1fr 1fr 1fr;gap:36px}
  .foot h5{color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:1.4px;margin-bottom:14px;font-family:var(--serif)}
  .foot p,.foot li{font-size:13.5px;list-style:none}
  .foot ul{display:grid;gap:7px}
  .foot a{color:#b8c5cf;text-decoration:none}
  .foot a:hover{color:var(--gold)}
  .disc{margin-top:30px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08);font-size:11.5px;color:#6f8291;line-height:1.6}
  @media (max-width:900px){
    .hero .wrap{grid-template-columns:1fr;padding-top:64px;padding-bottom:72px}
    .steps{grid-template-columns:1fr 1fr}
    .asset-grid{grid-template-columns:1fr 1fr}
    .why{grid-template-columns:1fr}
    .contact{grid-template-columns:1fr}
    .cform{border-left:0;border-top:1px solid var(--line)}
    .comp{grid-template-columns:1fr;padding:32px 26px}
  }
  @media (max-width:640px){
    .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:var(--ink);flex-direction:column;gap:0;padding:8px 0;border-bottom:1px solid rgba(255,255,255,.1)}
    .nav-links.open{display:flex}
    .nav-links a{padding:14px 24px;width:100%}
    .steps{grid-template-columns:1fr}
    .asset-grid{grid-template-columns:1fr}
    .row2{grid-template-columns:1fr}
    .foot{grid-template-columns:1fr;gap:26px}
    .burger{display:block}
  }