:root {
  --navy: #0b1f33;
  --navy-2: #102a45;
  --blue: #1768ac;
  --blue-dark: #0f548d;
  --gold: #c99a36;
  --ink: #1b2733;
  --muted: #607080;
  --line: #dce4eb;
  --soft: #f4f7fa;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(11, 31, 51, 0.10);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
}

.topbar {
  background: var(--navy);
  color: #dfe9f2;
  font-size: 0.88rem;
}

.topbar-inner {
  min-height: 38px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}

.topbar a { color: white; font-weight: 700; }

.site-header {
  background: rgba(255,255,255,0.97);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.nav-wrap {
  min-height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.brand-mark {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  background: var(--navy);
  color: white;
  font-weight: 800;
  letter-spacing: 0.04em;
  border-radius: 10px;
  box-shadow: inset 0 -3px 0 var(--gold);
}

.brand-copy {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}

.brand-copy strong {
  font-size: 1rem;
  color: var(--navy);
}

.brand-copy small {
  color: var(--muted);
  font-size: 0.72rem;
  margin-top: 4px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 23px;
  font-size: 0.93rem;
  font-weight: 600;
}

.main-nav a:hover { color: var(--blue); }

.nav-cta {
  background: var(--blue);
  color: white !important;
  padding: 11px 16px;
  border-radius: 7px;
}

.nav-cta:hover { background: var(--blue-dark); }

.menu-toggle {
  display: none;
  border: 1px solid var(--line);
  background: white;
  border-radius: 7px;
  padding: 9px 12px;
  font-weight: 700;
}

.hero {
  background:
    radial-gradient(circle at 75% 30%, rgba(23,104,172,0.15), transparent 34%),
    linear-gradient(135deg, #f7fafc 0%, #eef4f8 100%);
  padding: 82px 0 76px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr .75fr;
  align-items: center;
  gap: 65px;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.13em;
  font-size: 0.77rem;
  font-weight: 800;
}

h1, h2 {
  font-family: "Merriweather", Georgia, serif;
  color: var(--navy);
  line-height: 1.2;
}

h1 {
  font-size: clamp(2.55rem, 5vw, 4.55rem);
  letter-spacing: -0.035em;
  margin: 0 0 24px;
  max-width: 870px;
}

h2 {
  font-size: clamp(2rem, 3vw, 3rem);
  letter-spacing: -0.025em;
  margin: 0 0 18px;
}

h3 {
  color: var(--navy);
  line-height: 1.35;
}

.hero-lead {
  font-size: 1.14rem;
  color: #4d6072;
  max-width: 720px;
  margin-bottom: 30px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
  margin-bottom: 30px;
}

.btn {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  min-height: 50px;
  padding: 0 22px;
  border-radius: 7px;
  font-weight: 800;
  border: 1px solid transparent;
  cursor: pointer;
  font: inherit;
  font-weight: 800;
}

.btn-primary { background: var(--blue); color: white; }
.btn-primary:hover { background: var(--blue-dark); }

.btn-secondary {
  border-color: #a9bac9;
  background: white;
  color: var(--navy);
}

.btn-secondary:hover { border-color: var(--blue); color: var(--blue); }

.btn-light {
  background: white;
  color: var(--navy);
}

.btn-light:hover { background: #edf3f7; }

.btn-full { width: 100%; }

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 700;
}

.trust-row span::before {
  content: "✓";
  color: var(--blue);
  margin-right: 7px;
}

.hero-panel {
  background: var(--navy);
  color: white;
  padding: 32px;
  border-radius: 16px;
  box-shadow: var(--shadow);
}

.hero-panel h2 {
  color: white;
  font-size: 1.75rem;
  margin-bottom: 22px;
}

.panel-label {
  color: #a9c9e2;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  font-weight: 800;
  margin-top: 0;
}

.hero-panel a {
  display: flex;
  justify-content: space-between;
  gap: 15px;
  padding: 14px 0;
  border-top: 1px solid rgba(255,255,255,.13);
  font-weight: 600;
}

.hero-panel a:hover { color: #a9d7fa; }

.cred-strip {
  background: white;
  border-bottom: 1px solid var(--line);
}

.cred-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.cred-grid > div {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  gap: 13px;
  padding: 22px 18px;
  border-right: 1px solid var(--line);
}

.cred-grid > div:last-child { border-right: 0; }

.cred-grid strong {
  color: var(--blue);
  font-size: 1rem;
}

.cred-grid span {
  color: var(--muted);
  font-size: .83rem;
  line-height: 1.4;
}

.section { padding: 88px 0; }
.section-soft { background: var(--soft); }

.section-heading {
  max-width: 780px;
  text-align: center;
  margin: 0 auto 42px;
}

.section-heading p:last-child {
  color: var(--muted);
  font-size: 1.03rem;
}

.left-heading { text-align: left; margin-left: 0; }

.card-grid {
  display: grid;
  gap: 22px;
}

.services-grid { grid-template-columns: repeat(3, 1fr); }

.service-card {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 26px;
  background: white;
  transition: .2s ease;
}

.service-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.service-number {
  color: var(--blue);
  font-weight: 800;
  margin: 0;
}

.service-card h3 { margin: 8px 0 12px; font-size: 1.18rem; }
.service-card p { color: var(--muted); }
.service-card a { color: var(--blue); font-weight: 800; }

.featured-card {
  background: #f0f7fd;
  border-color: #b6d4eb;
}

.section-dark {
  background: var(--navy);
  color: white;
}

.section-dark h2 { color: white; }

.eyebrow-light { color: #82bde7; }

.irs-grid {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 70px;
  align-items: start;
}

.section-intro-light { color: #c4d2df; font-size: 1.06rem; }

.irs-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 22px;
  margin-top: 28px;
}

.text-link-light { color: white; font-weight: 800; }

.problem-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-top: 1px solid rgba(255,255,255,.15);
  border-left: 1px solid rgba(255,255,255,.15);
}

.problem-list > div {
  padding: 21px;
  border-right: 1px solid rgba(255,255,255,.15);
  border-bottom: 1px solid rgba(255,255,255,.15);
}

.problem-list strong { display: block; margin-bottom: 5px; }
.problem-list span { color: #b9c9d7; font-size: .92rem; }

.about-grid {
  display: grid;
  grid-template-columns: .72fr 1.28fr;
  gap: 60px;
  align-items: center;
}

.about-card {
  background: var(--soft);
  padding: 42px;
  border-radius: 14px;
  border: 1px solid var(--line);
}

.profile-initials {
  width: 92px;
  height: 92px;
  border-radius: 50%;
  background: var(--navy);
  color: white;
  display: grid;
  place-items: center;
  font-size: 1.8rem;
  font-weight: 800;
  margin-bottom: 26px;
  box-shadow: inset 0 -4px 0 var(--gold);
}

.about-card h2 { font-size: 2rem; }
.profile-title { color: var(--muted); font-weight: 600; }

.about-copy p { color: var(--muted); font-size: 1.02rem; }

.check-list {
  list-style: none;
  padding: 0;
  margin: 26px 0 0;
}

.check-list li {
  padding: 10px 0 10px 28px;
  position: relative;
  border-bottom: 1px solid var(--line);
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--blue);
  font-weight: 900;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 18px;
}

.process-step {
  background: white;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 26px 22px;
}

.process-step > span {
  width: 39px;
  height: 39px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: white;
  background: var(--blue);
  font-weight: 800;
}

.process-step p { color: var(--muted); }

.team-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
}

.team-member {
  padding: 24px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.team-member strong {
  display: block;
  color: var(--navy);
  margin-bottom: 4px;
}

.team-member span { color: var(--muted); font-size: .92rem; }

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 22px;
}

blockquote {
  margin: 0;
  padding: 28px;
  background: white;
  border: 1px solid var(--line);
  border-radius: 12px;
}

blockquote p {
  color: #405160;
  font-size: 1rem;
}

blockquote footer {
  margin-top: 20px;
  color: var(--navy);
  font-weight: 800;
  font-size: .9rem;
}

.faq-wrap {
  display: grid;
  grid-template-columns: .7fr 1.3fr;
  gap: 60px;
}

details {
  border-bottom: 1px solid var(--line);
  padding: 2px 0;
}

summary {
  cursor: pointer;
  padding: 18px 0;
  color: var(--navy);
  font-weight: 800;
}

details p {
  color: var(--muted);
  margin: 0 0 18px;
}

.cta-section {
  background: var(--blue);
  color: white;
  padding: 56px 0;
}

.cta-inner {
  display: flex;
  justify-content: space-between;
  gap: 40px;
  align-items: center;
}

.cta-inner h2 { color: white; margin-bottom: 10px; }
.cta-inner p { margin-bottom: 0; color: #e5f1fa; }

.contact-grid {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  gap: 70px;
}

.contact-grid > div > p { color: var(--muted); }

.contact-details {
  margin-top: 28px;
  padding-top: 10px;
  border-top: 1px solid var(--line);
}

.contact-details a { color: var(--blue); font-weight: 700; }

.contact-form {
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 30px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

label {
  display: block;
  font-weight: 700;
  font-size: .9rem;
  color: var(--navy);
  margin-bottom: 15px;
}

input, select, textarea {
  width: 100%;
  margin-top: 7px;
  padding: 12px 13px;
  border: 1px solid #c7d3dd;
  border-radius: 7px;
  background: white;
  font: inherit;
  color: var(--ink);
}

textarea { resize: vertical; }

input:focus, select:focus, textarea:focus {
  outline: 2px solid rgba(23,104,172,.18);
  border-color: var(--blue);
}

.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-weight: 500;
  color: var(--muted);
}

.consent input {
  width: auto;
  margin-top: 5px;
}

.form-note {
  color: var(--muted);
  font-size: .78rem;
  margin: 12px 0 0;
  text-align: center;
}

.hp-field {
  position: absolute !important;
  left: -9999px !important;
}

.site-footer {
  background: #081828;
  color: #b6c6d4;
  padding: 58px 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr 1fr .7fr;
  gap: 45px;
}

.footer-brand .brand-copy strong { color: white; }
.footer-brand .brand-copy small { color: #8fa4b7; }

.footer-grid > div:first-child p {
  max-width: 420px;
  font-size: .9rem;
}

.footer-grid h3 {
  color: white;
  font-size: .95rem;
  margin-top: 0;
}

.footer-grid > div:not(:first-child) {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-grid a:hover { color: white; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12);
  margin-top: 38px;
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  gap: 25px;
  font-size: .75rem;
  color: #7f96a9;
}

@media (max-width: 1020px) {
  .menu-toggle { display: block; }

  .main-nav {
    display: none;
    position: absolute;
    top: 80px;
    left: 20px;
    right: 20px;
    background: white;
    padding: 18px;
    border: 1px solid var(--line);
    border-radius: 10px;
    box-shadow: var(--shadow);
    flex-direction: column;
    align-items: stretch;
  }

  .main-nav.open { display: flex; }

  .hero-grid,
  .irs-grid,
  .about-grid,
  .faq-wrap,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .services-grid,
  .team-grid,
  .testimonial-grid {
    grid-template-columns: repeat(2,1fr);
  }

  .process-grid { grid-template-columns: repeat(2,1fr); }

  .cred-grid { grid-template-columns: repeat(2,1fr); }
  .cred-grid > div:nth-child(2) { border-right: 0; }
  .cred-grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }

  .footer-grid { grid-template-columns: repeat(2,1fr); }
}

@media (max-width: 680px) {
  .container { width: min(100% - 28px, 1180px); }

  .topbar-inner {
    padding: 8px 0;
    align-items: flex-start;
    flex-direction: column;
    gap: 2px;
  }

  .brand-copy small { display: none; }

  .hero { padding: 58px 0; }

  h1 { font-size: 2.45rem; }

  .hero-panel { padding: 24px; }

  .cred-grid,
  .services-grid,
  .team-grid,
  .testimonial-grid,
  .process-grid,
  .problem-list,
  .footer-grid,
  .form-row {
    grid-template-columns: 1fr;
  }

  .cred-grid > div {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .cred-grid > div:last-child { border-bottom: 0; }

  .section { padding: 64px 0; }

  .cta-inner,
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .contact-form { padding: 22px; }
}