:root {
  --navy: #1a2a4a;
  --navy-deep: #0f2038;
  --gold: #d4a574;
  --gold-dark: #b8894f;
  --bg: #f8f9fa;
  --text: #2c3e50;
  --muted: #6b7a8f;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 8px 24px rgba(26, 42, 74, 0.08);
  --shadow-hover: 0 14px 32px rgba(26, 42, 74, 0.14);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Inter", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

h1, h2, h3 {
  font-family: "Playfair Display", serif;
  color: var(--navy);
  margin: 0;
}

.container {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
}

a { color: inherit; }

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid #eee;
  position: sticky;
  top: 0;
  z-index: 20;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  color: var(--navy);
  font-size: 1.1rem;
}
.logo-mark { color: var(--gold-dark); display: flex; }
.main-nav { display: flex; gap: 24px; }
.main-nav a {
  text-decoration: none;
  color: var(--muted);
  font-weight: 500;
  font-size: 0.9rem;
  transition: color 150ms ease-out;
}
.main-nav a:hover { color: var(--gold-dark); }

/* Banner */
.banner-wrap { padding: 20px 0 8px; }
.promo-banner-img-link {
  display: block;
  width: 100%;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform 200ms ease-out, box-shadow 200ms ease-out;
  cursor: pointer;
  background: var(--white);
}
.promo-banner-img-link:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
}
.full-banner-img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: var(--radius);
  object-fit: cover;
}
.disclaimer {
  font-size: 0.75rem;
  color: var(--muted);
  text-align: center;
  margin: 14px 0 0;
}

/* Sections */
.section { padding: 64px 0; }
.section-alt { background: var(--white); }
.section-title {
  text-align: center;
  font-size: 2rem;
  margin-bottom: 8px;
}
.section-sub {
  text-align: center;
  color: var(--muted);
  max-width: 520px;
  margin: 0 auto 40px;
}

/* Cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 820px;
  margin: 0 auto;
}
.card {
  background: var(--white);
  border: 1px solid #eee;
  border-radius: var(--radius);
  padding: 32px 28px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: transform 150ms ease-out, box-shadow 150ms ease-out;
}
.card:hover {
  transform: translateY(-3px) scale(1.005);
  box-shadow: var(--shadow-hover);
}
.card-icon {
  width: 72px;
  height: 72px;
  margin: 0 auto 16px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy-deep);
  color: var(--gold);
}
.card-icon.image-icon {
  width: 96px;
  height: 96px;
  background: none;
}
.card-icon.image-icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}
.card-eyebrow {
  display: block;
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.card h3 { font-size: 1.3rem; margin-bottom: 8px; }
.card p { color: var(--muted); margin-bottom: 22px; font-size: 0.95rem; }

.btn {
  display: inline-block;
  width: 100%;
  padding: 12px 20px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  transition: transform 100ms ease-out, background 200ms ease-out;
}
.btn:active { transform: scale(0.98); }
.btn-primary { background: var(--gold-dark); color: var(--white); }
.btn-primary:hover { background: var(--navy); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--gold);
}
.btn-outline:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-secondary { background: var(--navy); color: var(--white); }
.btn-secondary:hover { background: var(--gold-dark); }

/* FAQ Accordion */
.accordion {
  max-width: 700px;
  margin: 0 auto;
}
.accordion-item {
  border: 1px solid #eee;
  border-radius: 10px;
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--white);
}
.accordion-trigger {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 16px 20px;
  font-family: inherit;
  font-weight: 600;
  color: var(--gold-dark);
  font-size: 0.98rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
}
.chevron { transition: transform 250ms ease; color: var(--muted); }
.accordion-trigger[aria-expanded="true"] .chevron { transform: rotate(180deg); }
.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 250ms ease, padding 250ms ease;
  padding: 0 20px;
}
.accordion-panel p {
  margin: 0 0 16px;
  color: var(--text);
  font-size: 0.92rem;
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: #cbd5e1;
  text-align: center;
  padding: 28px 0;
  font-size: 0.85rem;
}
.site-footer a { color: var(--gold); text-decoration: none; }
.footer-contact { margin-top: 4px; }

/* Responsive */
@media (max-width: 768px) {
  .promo-banner { flex-direction: column; text-align: center; padding: 24px; }
  .promo-left { max-width: 100%; }
  .card-grid { grid-template-columns: 1fr; }
  .main-nav { gap: 14px; }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; }
}