:root {
  --ink: #171717;
  --charcoal: #171717;
  --cream: #f7f3eb;
  --sand: #d8c9b5;
  --white: #ffffff;
  --muted: #5f6468;
  --line: rgba(17, 24, 32, 0.18);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: "DM Sans", sans-serif;
  font-size: 16px;
  line-height: 1.55;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
.shell { width: min(1220px, calc(100% - 56px)); margin-inline: auto; }
.site-header { background: var(--cream); padding: 24px 0; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { width: min(325px, 55vw); line-height: 0; }
.brand img { width: 100%; height: auto; mix-blend-mode: multiply; }
.nav { display: flex; align-items: center; gap: 30px; }
.nav a { text-decoration: none; font-size: 0.93rem; }
.nav a:hover { text-decoration: underline; text-underline-offset: 5px; }
.nav .nav-cta { padding: 11px 18px; color: var(--white); background: var(--charcoal); border-radius: 999px; }
.nav .nav-cta:hover { text-decoration: none; background: #2b2b2b; }

.hero { padding: 62px 0 92px; }
.hero-grid { display: grid; grid-template-columns: 0.86fr 1.14fr; gap: 80px; align-items: center; }
.eyebrow { display: flex; align-items: center; gap: 12px; text-transform: uppercase; letter-spacing: 0.17em; font-size: 0.78rem; font-weight: 600; }
.eyebrow::before { content: ""; width: 38px; height: 1px; background: currentColor; }
h1, h2, h3 { font-family: "Cormorant Garamond", serif; font-weight: 600; letter-spacing: -0.025em; }
h1 { font-size: clamp(3.25rem, 6.7vw, 6.7rem); line-height: 0.92; margin: 28px 0 26px; }
h1 em { display: block; font-weight: 500; }
.hero-copy { max-width: 530px; color: #454b50; font-size: 1.12rem; }
.hero-image { min-height: 650px; overflow: hidden; background: #e9e4dc; }
.hero-image img { width: 100%; height: 650px; object-fit: cover; }
.actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 34px; }
.button { min-height: 52px; display: inline-flex; align-items: center; justify-content: center; padding: 0 25px; border: 1px solid var(--charcoal); border-radius: 999px; background: var(--charcoal); color: var(--white); text-decoration: none; font-weight: 600; cursor: pointer; transition: 0.2s ease; }
.button:hover { transform: translateY(-2px); background: #2b2b2b; }
.button.secondary { background: transparent; color: var(--charcoal); }
.button.secondary:hover { color: var(--white); }

.statement { background: var(--charcoal); color: var(--white); padding: 108px 0; }
.statement-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 100px; align-items: start; }
.statement h2 { margin: 0; color: #f1e7d8; font-size: clamp(3rem, 5vw, 5.25rem); line-height: 0.95; }
.statement-copy { color: rgba(255,255,255,0.78); font-size: 1.08rem; }
.statement-copy p { margin: 0 0 20px; }

.services { padding: 100px 0; }
.section-heading { display: grid; grid-template-columns: 0.7fr 1.3fr; gap: 80px; align-items: start; margin-bottom: 58px; }
.section-heading h2 { font-size: clamp(2.8rem, 4.8vw, 5rem); line-height: 1; margin: 0; }
.section-heading p { margin: 0; color: var(--muted); font-size: 1.12rem; max-width: 630px; }
.service-list { border-top: 1px solid var(--line); }
.service-row { display: grid; grid-template-columns: 75px 1fr 1.25fr; gap: 28px; padding: 30px 0; border-bottom: 1px solid var(--line); align-items: start; }
.service-row strong { font-size: 1.05rem; }
.service-row p { margin: 0; color: var(--muted); }

.inquiry { background: var(--white); padding: 100px 0; }
.inquiry-grid { display: grid; grid-template-columns: 1.12fr 0.88fr; gap: 72px; align-items: stretch; }
.form-card { border: 1px solid var(--line); padding: 38px; }
.form-card h2 { margin: 0 0 8px; font-size: clamp(2.7rem, 4vw, 4.4rem); line-height: 1; }
.form-intro { margin: 0 0 30px; color: var(--muted); }
.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 19px; }
.field.full { grid-column: 1 / -1; }
label { display: block; margin-bottom: 7px; font-size: 0.88rem; font-weight: 600; }
input, select, textarea { width: 100%; min-height: 50px; padding: 12px 14px; color: var(--ink); background: #fbfaf7; border: 1px solid #aaa69e; border-radius: 0; }
textarea { min-height: 118px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--charcoal); outline-offset: 2px; }
.safety-note { margin: 9px 0 0; color: var(--muted); font-size: 0.81rem; }
.consent { display: grid; grid-template-columns: auto 1fr; gap: 11px; align-items: start; margin-top: 22px; color: #42484c; }
.consent input { width: 20px; min-height: 20px; height: 20px; margin: 2px 0 0; }
.consent label { margin: 0; font-weight: 400; font-size: 0.86rem; }
.consent a { text-underline-offset: 3px; }
.form-card .button { width: 100%; margin-top: 24px; }
.form-note { text-align: center; color: var(--muted); font-size: 0.82rem; margin: 12px 0 0; }
.contact-panel { display: flex; flex-direction: column; justify-content: space-between; min-height: 100%; padding: 46px; color: var(--white); background: var(--charcoal); }
.contact-panel h3 { margin: 0 0 20px; font-size: clamp(2.5rem, 4vw, 4rem); line-height: 1; color: #f1e7d8; }
.contact-panel p { color: rgba(255,255,255,0.75); }
.contact-links { padding-top: 50px; }
.contact-links a { display: block; width: max-content; max-width: 100%; margin: 8px 0; text-decoration: none; font-size: 1.05rem; }
.contact-links a:hover { text-decoration: underline; }

.legal-page { background: var(--white); }
.legal-hero { padding: 75px 0 55px; background: var(--cream); border-top: 1px solid var(--line); }
.legal-hero h1 { font-size: clamp(3.5rem, 7vw, 6.4rem); margin: 14px 0; }
.effective { color: var(--muted); }
.legal-content { width: min(820px, calc(100% - 48px)); margin: 0 auto; padding: 72px 0 100px; }
.legal-content h2 { margin: 42px 0 10px; font-family: "DM Sans", sans-serif; font-size: 1.12rem; letter-spacing: 0; }
.legal-content p, .legal-content li { color: #3f464b; }
.legal-content ul { padding-left: 22px; }
.legal-content a { text-underline-offset: 3px; }
.legal-note { padding: 18px 20px; background: var(--cream); border-left: 3px solid var(--charcoal); }

footer { padding: 52px 0; background: var(--cream); border-top: 1px solid var(--line); }
.footer-grid { display: grid; grid-template-columns: 1fr auto; gap: 70px; align-items: end; }
.footer-brand { width: min(290px, 64vw); }
.footer-brand img { width: 100%; mix-blend-mode: multiply; }
.footer-copy { color: var(--muted); max-width: 480px; font-size: 0.9rem; }
.broker-details { margin: 14px 0 0; color: var(--muted); font-size: 0.84rem; line-height: 1.65; }
.footer-contact { text-align: left; }
.footer-contact a { display: block; margin: 6px 0; text-decoration: none; }
.footer-contact a:hover { text-decoration: underline; }
.legal-links { display: flex; gap: 18px; margin-top: 18px; font-size: 0.88rem; }
.legal-links a { text-decoration: underline; text-underline-offset: 3px; }

@media (max-width: 820px) {
  .shell { width: min(100% - 34px, 1220px); }
  .site-header { padding: 18px 0; }
  .brand { width: min(245px, 64vw); }
  .nav a:not(.nav-cta) { display: none; }
  .nav .nav-cta { padding: 9px 14px; font-size: 0.84rem; }
  .hero { padding: 44px 0 72px; }
  .hero-grid, .statement-grid, .section-heading, .inquiry-grid, .footer-grid { grid-template-columns: 1fr; gap: 38px; }
  .hero-image { min-height: 470px; }
  .hero-image img { height: 470px; }
  .statement, .services, .inquiry { padding: 74px 0; }
  .service-row { grid-template-columns: 42px 1fr; gap: 15px; }
  .service-row p { grid-column: 2; }
  .fields { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .form-card, .contact-panel { padding: 26px; }
  .footer-contact { text-align: left; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
}