*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,sans-serif;color:#2c2c2c;background:#fff;line-height:1.6;font-size:16px}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
:root{--navy:#0F2545;--gold:#C17F2A;--gold-lt:#E8943A;--light:#f7f9fc;--muted:#5a6a7e;--green:#166534;--mid:#e2e8f0}

/* topbar */
.topbar{background:var(--navy);padding:8px 32px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
.topbar-services{color:rgba(255,255,255,0.6);font-size:12px;letter-spacing:.1em;text-transform:uppercase;font-weight:600}
.topbar-services span{color:rgba(255,255,255,0.3);margin:0 10px}
.topbar a{color:rgba(255,255,255,0.85);font-size:13px;font-weight:500}

/* header */
.header{background:#fff;border-bottom:1px solid var(--mid);padding:0 32px;display:flex;justify-content:space-between;align-items:center;height:68px;position:sticky;top:0;z-index:100}
.logo{font-weight:700;font-size:22px;color:var(--navy);letter-spacing:-.02em}
.logo span{color:var(--gold)}
.nav{display:flex;align-items:center;gap:4px}
.nav a{padding:7px 14px;font-size:13px;font-weight:500;color:#444;border-radius:6px}
.nav a:hover{background:var(--light);color:var(--navy)}
.btn-primary{background:var(--navy)!important;color:#fff!important;border-radius:7px;padding:9px 20px!important;font-weight:600!important;font-size:13px!important}

/* hero */
.hero{background:var(--navy);padding:72px 40px 60px;color:#fff}
.hero-eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:20px}
.hero-eyebrow::before{content:'';display:block;width:24px;height:1px;background:var(--gold-lt)}
.hero h1{font-size:clamp(28px,4vw,44px);font-weight:700;line-height:1.2;color:#fff;margin-bottom:18px;letter-spacing:-.02em;max-width:620px}
.hero h1 span{color:var(--gold-lt)}
.hero-sub{font-size:15px;color:rgba(255,255,255,.65);line-height:1.75;max-width:540px;margin-bottom:10px}
.hero-flex{font-size:14px;color:rgba(255,255,255,.5);margin-bottom:34px;font-style:italic}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hero-download{margin-top:16px;font-size:13px;color:rgba(255,255,255,.55)}
.hero-download a{color:var(--gold-lt);font-weight:600;text-decoration:none}
.hero-download a:hover{text-decoration:underline}
.hero-stats{display:flex;gap:48px;margin-top:44px;padding-top:32px;border-top:1px solid rgba(255,255,255,.1);flex-wrap:wrap}
.hs strong{display:block;font-size:28px;font-weight:700;color:#fff;letter-spacing:-.02em;line-height:1.1}
.hs span{font-size:11px;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.08em;margin-top:4px;display:block}

/* buttons */
.btn-gold{background:var(--gold);color:#fff;padding:12px 24px;border-radius:7px;font-weight:600;font-size:14px;display:inline-flex;align-items:center;gap:8px;cursor:pointer;border:none}
.btn-gold:hover{background:#a06a1e}
.btn-outline{border:1px solid rgba(255,255,255,.3);color:rgba(255,255,255,.85);padding:12px 24px;border-radius:7px;font-weight:500;font-size:14px;display:inline-flex;align-items:center;gap:8px}
.btn-outline:hover{border-color:rgba(255,255,255,.6)}
.btn-navy{background:var(--navy);color:#fff;padding:10px 20px;border-radius:7px;font-weight:600;font-size:13px;display:inline-block;border:none;cursor:pointer}

/* trustbar */
.trustbar{background:#0a1e3a;padding:20px 40px;display:flex;justify-content:center;align-items:center;gap:40px;flex-wrap:wrap}
.tbar-item{display:flex;align-items:center;gap:10px}
.tbar-dot{width:8px;height:8px;border-radius:50%;background:var(--gold);flex-shrink:0}
.tbar-text strong{display:block;font-size:14px;font-weight:600;color:#fff;white-space:nowrap}
.tbar-text span{font-size:12px;color:rgba(255,255,255,.45);white-space:nowrap}

/* sections */
.section{padding:60px 40px}
.section-light{background:var(--light)}
.section-label{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.section-title{font-size:clamp(20px,2.5vw,28px);font-weight:700;color:var(--navy);margin-bottom:8px;letter-spacing:-.02em}
.section-title-sm{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:8px;letter-spacing:-.02em}
.rule{width:36px;height:2px;background:var(--gold);margin:12px 0 32px}
.container{max-width:1100px;margin:0 auto}

/* service cards */
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.sc{background:#fff;border:1px solid var(--mid);border-radius:10px;padding:24px 22px;transition:border-color .2s,transform .2s}
.sc:hover{border-color:var(--gold);transform:translateY(-2px)}
.sc-icon{width:40px;height:40px;border-radius:9px;background:var(--navy);display:flex;align-items:center;justify-content:center;color:#fff;font-size:18px;margin-bottom:16px}
.sc h3{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:8px}
.sc p{font-size:13px;color:var(--muted);line-height:1.6;margin-bottom:16px}
.sc-link{font-size:13px;font-weight:600;color:var(--navy)}
.sc-dark{background:var(--navy);border-color:var(--navy)}
.sc-dark h3{color:#fff}
.sc-dark p{color:rgba(255,255,255,.6)}

/* pricing */
.pg{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.pc{background:#fff;border:1px solid var(--mid);border-radius:10px;padding:26px 22px;position:relative}
.pc.featured{border:2px solid var(--navy)}
.plan-badge{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:var(--navy);color:#fff;font-size:10px;font-weight:700;padding:4px 14px;border-radius:20px;white-space:nowrap;letter-spacing:.05em;text-transform:uppercase}
.plan-name{font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.plan-price{font-size:36px;font-weight:700;color:var(--navy);letter-spacing:-.03em;line-height:1}
.plan-per{font-size:13px;color:var(--muted);margin-bottom:6px}
.plan-for{font-size:12px;color:var(--muted);font-style:italic;padding-bottom:16px;margin-bottom:16px;border-bottom:1px solid var(--mid)}
.plan-feats{list-style:none;margin-bottom:22px}
.plan-feats li{padding:6px 0;font-size:13px;border-bottom:1px solid var(--light);display:flex;gap:8px;align-items:flex-start}
.plan-feats li.ck::before{content:'✓';color:var(--green);font-weight:700;flex-shrink:0}
.plan-feats li.na{color:var(--mid)}
.plan-feats li.na::before{content:'—';color:var(--mid);flex-shrink:0}
.plan-btn{width:100%;padding:11px;border-radius:7px;font-size:13px;font-weight:600;border:none;cursor:pointer;background:var(--light);color:var(--navy)}
.plan-btn.primary{background:var(--navy);color:#fff}

/* testimonials */
.tc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.tc{background:#fff;border:1px solid var(--mid);border-radius:10px;padding:22px;border-top:3px solid var(--gold)}
.stars{color:var(--gold);font-size:14px;margin-bottom:12px}
.tc-quote{font-size:13px;line-height:1.7;color:var(--muted);margin-bottom:14px;font-style:italic}
.tc-auth strong{font-size:13px;font-weight:700;color:var(--navy);display:block}
.tc-auth span{font-size:12px;color:var(--muted)}

/* lead magnet */
.lm-section{background:var(--navy);padding:60px 40px}
.lm-inner{display:flex;align-items:center;gap:60px;flex-wrap:wrap;justify-content:center;max-width:1060px;margin:0 auto}
.lm-pdf{flex-shrink:0;text-align:center}
.lm-pdf-card{width:150px;height:190px;background:linear-gradient(145deg,#1a3a6e,#0a1e3a);border-radius:8px;display:flex;flex-direction:column;align-items:center;justify-content:center;border:1px solid rgba(193,127,42,0.35);margin:0 auto}
.lm-pdf-card .icon{font-size:36px;margin-bottom:8px}
.lm-pdf-card .lbl{color:var(--gold);font-weight:700;font-size:10px;letter-spacing:1px;text-transform:uppercase}
.lm-pdf-card .ttl{color:#fff;font-weight:700;font-size:12px;text-align:center;padding:0 10px;margin-top:6px;line-height:1.3}
.lm-pdf-card .sub{color:#8aaac8;font-size:10px;text-align:center;padding:0 10px;margin-top:4px;line-height:1.3}
.lm-caption{margin-top:10px;color:#8aaac8;font-size:12px}
.lm-text{flex:1;min-width:280px;max-width:500px}
.lm-chip{display:inline-block;background:rgba(193,127,42,0.2);color:#f5c47a;font-size:13px;font-weight:700;padding:5px 14px;border-radius:20px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:16px}
.lm-text h2{color:#fff;font-size:clamp(22px,2.5vw,34px);font-weight:700;margin-bottom:16px;line-height:1.2}
.lm-text p{color:#8aaac8;font-size:16px;margin-bottom:22px;line-height:1.75}
.lm-bullets{list-style:none;padding:0;margin:0 0 28px;display:grid;grid-template-columns:1fr 1fr;gap:10px 28px}
.lm-bullets li{color:#f5c47a;font-size:15px}
.lm-note{color:#8aaac8;font-size:14px;margin-top:12px}

/* cta band */
.cta-band{background:var(--navy);padding:52px 40px;text-align:center}
.cta-band h2{font-size:clamp(18px,2.5vw,26px);font-weight:700;color:#fff;letter-spacing:-.02em;margin-bottom:8px}
.cta-band p{font-size:14px;color:rgba(255,255,255,.55);margin-bottom:24px}
.cta-btns{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}

/* tax banner */
.tax-banner{background:var(--navy);padding:44px 40px;text-align:center;border-top:3px solid var(--gold)}
.tax-banner .pre{color:#f5c47a;font-weight:700;font-size:12px;letter-spacing:1px;text-transform:uppercase;margin-bottom:10px}
.tax-banner h3{color:#fff;font-size:22px;font-weight:700;margin-bottom:10px}
.tax-banner p{color:#8aaac8;font-size:14px;max-width:500px;margin:0 auto 22px}
.tax-banner .note{color:#8aaac8;font-size:12px;margin-top:10px}

/* footer */
.footer{background:#0a1e3a;padding:44px 40px 0}
.fg{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:28px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer h4{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.footer p{font-size:13px;color:rgba(255,255,255,.45);line-height:1.7}
.fl{list-style:none}
.fl li{margin-bottom:8px}
.fl a{font-size:13px;color:rgba(255,255,255,.5)}
.fl a:hover{color:#fff}
.fc span{display:block;font-size:13px;color:rgba(255,255,255,.5);margin-bottom:8px}
.footer-bar{padding:14px 0;display:flex;justify-content:space-between;font-size:12px;color:rgba(255,255,255,.25);flex-wrap:wrap;gap:8px}

/* inner pages */
.pg-hero{background:var(--navy);padding:44px 40px;color:#fff}
.pg-crumb{font-size:12px;color:rgba(255,255,255,.35);margin-bottom:10px}
.pg-hero h1{font-size:clamp(22px,3vw,34px);font-weight:700;color:#fff;letter-spacing:-.02em;margin-bottom:8px}
.pg-hero p{font-size:14px;color:rgba(255,255,255,.6)}
.two-col{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:flex-start}
.check-list{list-style:none}
.check-list li{display:flex;gap:10px;padding:6px 0;font-size:13px;border-bottom:1px solid var(--mid);align-items:flex-start;color:var(--muted)}
.check-list li::before{content:'✓';color:var(--green);font-weight:700;flex-shrink:0;margin-top:1px}
.price-card{background:#fff;border:1px solid var(--mid);border-radius:10px;padding:24px}
.price-row{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:1px solid var(--mid);font-size:13px;color:var(--muted)}
.price-row:last-child{border-bottom:none}
.price-row strong{font-weight:700;color:var(--navy)}
.info-card{background:var(--light);border:1px solid var(--mid);border-radius:10px;padding:18px;margin-top:14px}
.form-card{background:#fff;border:1px solid var(--mid);border-radius:10px;padding:28px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}
.form-group{margin-bottom:12px}
.form-group label{font-size:13px;font-weight:600;color:var(--navy);display:block;margin-bottom:5px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:10px 12px;border:1px solid var(--mid);border-radius:7px;font-size:13px;background:#fff;color:#2c2c2c;font-family:inherit}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--navy)}
.form-group textarea{min-height:80px;resize:vertical}
.contact-card{background:var(--navy);border-radius:10px;padding:26px;color:#fff}
.contact-row{display:flex;gap:12px;margin-bottom:16px;align-items:flex-start}
.contact-row .ico{color:var(--gold-lt);font-size:16px;margin-top:2px;flex-shrink:0}
.contact-row strong{display:block;font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:3px}
.contact-row span{font-size:13px;color:rgba(255,255,255,.7);line-height:1.5}

/* pro-tip box */
.protip{background:#fffbf2;border:1px solid #e8c87a;border-radius:8px;padding:14px 18px;margin-bottom:20px}
.protip p{font-size:13px;color:#7a5a00;margin:0}

@media(max-width:900px){
  .g3,.pg,.tc-grid,.fg{grid-template-columns:1fr 1fr}
  .two-col{grid-template-columns:1fr}
  .hero-stats{gap:28px}
  .lm-inner{flex-direction:column;text-align:center}
  .lm-bullets{justify-items:center}
}
@media(max-width:640px){
  .g3,.pg,.tc-grid,.fg,.form-row{grid-template-columns:1fr}
  .header{padding:0 16px}
  .hero,.section,.cta-band,.lm-section,.trustbar{padding-left:20px;padding-right:20px}
  .nav .hide-mobile{display:none}
}