:root{--navy:#102a43;--navy2:#183b5b;--gold:#f5c400;--ink:#17212b;--muted:#64717d;--light:#f5f7f9;--line:#dce3e9;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6}
a{text-decoration:none;color:inherit}.container{width:min(1120px,92%);margin:auto}
header{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.logo{display:flex;align-items:center;gap:12px;font-weight:900;letter-spacing:.04em}
.logo-mark{width:45px;height:45px;border-radius:9px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-size:18px}
.logo small{display:block;color:var(--muted);font-size:9px;letter-spacing:.16em}
nav{display:flex;gap:22px;font-size:14px;font-weight:700}
nav a:hover{color:var(--navy2)}.nav-btn{background:var(--gold);padding:10px 17px;border-radius:7px}
.hero{min-height:570px;display:flex;align-items:center;color:#fff;background:
linear-gradient(90deg,rgba(8,25,42,.96),rgba(8,25,42,.78) 48%,rgba(8,25,42,.30)),
radial-gradient(circle at 78% 42%,#dfd1bb 0 13%,#91765a 29%,#55483b 48%,#26333d 76%)}
.hero-content{padding:85px 0;max-width:700px}.eyebrow{color:var(--gold);font-size:13px;font-weight:800;letter-spacing:.15em;text-transform:uppercase}
h1{font-size:clamp(43px,6vw,72px);line-height:1.02;letter-spacing:-.045em;margin:14px 0 22px}
.hero p{font-size:19px;max-width:650px;color:#edf2f6;margin:0 0 30px}
.btn{display:inline-block;border-radius:7px;padding:14px 22px;font-weight:800;border:0;cursor:pointer;font-size:15px}
.primary{background:var(--gold);color:#111}.secondary{border:1px solid #b8c4cd;color:#fff;margin-left:8px}
section{padding:76px 0}.head{max-width:700px;margin-bottom:38px}.head h2,.contact h2{font-size:38px;line-height:1.1;letter-spacing:-.03em;margin:0 0 13px}.head p,.contact p{color:var(--muted);margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 8px 28px rgba(16,42,67,.06)}
.icon{width:48px;height:48px;border-radius:12px;background:#fff6c9;color:var(--navy);display:grid;place-items:center;font-weight:900;margin-bottom:17px}
.card h3{margin:0 0 8px;font-size:19px}.card p{margin:0;color:var(--muted);font-size:15px}
.band{background:var(--light)}.process{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.step .number{width:40px;height:40px;border-radius:50%;background:var(--gold);display:grid;place-items:center;font-weight:900;margin-bottom:14px}.step h3{margin:0 0 6px}.step p{margin:0;color:var(--muted);font-size:14px}
.gallery-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.gallery-item{margin:0;border-radius:14px;overflow:hidden;box-shadow:0 8px 28px rgba(16,42,67,.06)}.gallery-item img{display:block;width:100%;height:230px;object-fit:cover}.gallery-item.hidden{display:none}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px}.contact h2{margin-top:0}.details{margin-top:28px;display:grid;gap:17px}.detail{display:flex;gap:12px}.detail b{display:block}.detail span{color:var(--muted);font-size:14px}
form{border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 10px 35px rgba(16,42,67,.07)}
label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}input,textarea{width:100%;font:inherit;padding:12px 13px;border:1px solid #cbd5dd;border-radius:7px;margin-bottom:16px}textarea{min-height:125px;resize:vertical}input:focus,textarea:focus{outline:2px solid rgba(245,196,0,.4)}
.note{font-size:12px;color:var(--muted);margin-top:10px}.success{display:none;background:#edf8ef;color:#245a2b;border-radius:7px;padding:11px;margin-top:12px;font-size:14px}
footer{background:#0d1d2c;color:#dce5ec;padding:35px 0}.foot{display:flex;justify-content:space-between;gap:20px}.foot small{color:#aebbc5}

/* FAQ */
.faq-list{display:grid;gap:14px;max-width:800px}
.faq-item{border:1px solid var(--line);border-radius:12px;box-shadow:0 6px 20px rgba(16,42,67,.05);overflow:hidden;background:var(--white)}
.faq-q{all:unset;box-sizing:border-box;display:flex;justify-content:space-between;align-items:center;gap:16px;width:100%;padding:18px 22px;font-weight:800;font-size:16px;cursor:pointer;color:inherit;font-family:inherit}
.faq-q:focus-visible{outline:2px solid var(--gold);outline-offset:-2px}
.faq-icon{position:relative;flex-shrink:0;width:20px;height:20px}
.faq-icon::before,.faq-icon::after{content:"";position:absolute;top:50%;left:50%;background:var(--gold);transform:translate(-50%,-50%)}
.faq-icon::before{width:13px;height:2px}
.faq-icon::after{width:2px;height:13px;transition:transform .25s ease}
.faq-item.open .faq-icon::after{transform:translate(-50%,-50%) scaleY(0)}
.faq-a-wrap{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}
.faq-item.open .faq-a-wrap{grid-template-rows:1fr}
.faq-a-inner{overflow:hidden}
.faq-a-inner p{margin:0;padding:0 22px 20px;color:var(--muted);font-size:15px;max-width:65ch}

/* small text page (mortgages) */
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:18px}
.breadcrumb a{color:var(--navy2);font-weight:700}
.article{max-width:760px}
.article h2{font-size:32px;letter-spacing:-.02em;margin:0 0 16px}
.article h3{font-size:21px;margin:34px 0 10px}
.article p{margin:0 0 16px;color:var(--ink);font-size:16px}
.article ul{margin:0 0 16px;padding-left:22px;color:var(--ink);font-size:16px}
.article li{margin-bottom:8px}
.callout-box{background:var(--light);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:22px 24px;margin:28px 0}
.callout-box p{margin:0;font-size:15px;color:var(--ink)}
.callout-box p+p{margin-top:10px}

/* lightbox */
.gallery-item img{cursor:zoom-in}
.lightbox{position:fixed;inset:0;background:rgba(8,15,25,.92);display:none;align-items:center;justify-content:center;z-index:100}
.lightbox.open{display:flex}
.lightbox-figure{margin:0;max-width:min(1100px,90vw);max-height:82vh;display:flex;flex-direction:column;align-items:center;gap:12px}
.lightbox-figure img{max-width:100%;max-height:74vh;object-fit:contain;border-radius:10px;box-shadow:0 20px 60px rgba(0,0,0,.5)}
.lightbox-caption{color:#e7edf2;font-size:14px;text-align:center;max-width:70ch;padding:0 10px;margin:0}
.lightbox-close{position:absolute;top:18px;right:18px;background:rgba(255,255,255,.12);border:0;color:#fff;font-size:22px;line-height:1;width:42px;height:42px;border-radius:50%;cursor:pointer}
.lightbox-close:hover{background:rgba(255,255,255,.22)}
.lightbox-nav{position:absolute;top:50%;transform:translateY(-50%);background:rgba(255,255,255,.12);border:0;color:#fff;font-size:24px;width:46px;height:46px;border-radius:50%;cursor:pointer;display:grid;place-items:center}
.lightbox-nav:hover{background:rgba(255,255,255,.22)}
.lightbox-prev{left:18px}
.lightbox-next{right:18px}
.lightbox-counter{position:absolute;top:24px;left:24px;color:#cdd7de;font-size:13px}
@media(max-width:640px){.lightbox-nav{width:38px;height:38px;font-size:20px}.lightbox-prev{left:8px}.lightbox-next{right:8px}.lightbox-close{top:8px;right:8px}.lightbox-counter{top:12px;left:12px}}

@media(max-width:850px){nav{display:none}.cards,.process,.contact-grid,.gallery-grid{grid-template-columns:1fr}.hero{min-height:auto}.hero-content{padding:75px 0}.secondary{margin:10px 0 0 0}.foot{flex-direction:column}}