:root {
  --navy:#1B2E4A;
  --teal:#2A7F6F;
  --gold:#C8963E;
  --light-teal:#E8F4F1;
  --light-navy:#EEF1F5;
  --cream:#F7F1E7;
  --dark:#263142;
  --white:#ffffff;
  --muted:#667085;
  --shadow: 0 20px 60px rgba(27,46,74,.13);
}
* { box-sizing:border-box; }
html { scroll-behavior:smooth; }
body {
  margin:0;
  font-family: Arial, Helvetica, sans-serif;
  color:var(--dark);
  background:var(--white);
  line-height:1.6;
}
img { max-width:100%; height:auto; }
a { color:inherit; }
.container { width:min(1120px, calc(100% - 40px)); margin:0 auto; }
.skip-link { position:absolute; left:-9999px; top:auto; width:1px; height:1px; overflow:hidden; }
.skip-link:focus { left:20px; top:20px; width:auto; height:auto; z-index:99; background:var(--navy); color:white; padding:10px 14px; border-radius:8px; }
.site-header {
  position:sticky; top:0; z-index:50; background:rgba(255,255,255,.94); backdrop-filter: blur(12px);
  border-bottom:1px solid rgba(27,46,74,.12);
}
.nav {
  min-height:76px; display:flex; align-items:center; justify-content:space-between; gap:24px;
}
.logo { display:flex; align-items:center; gap:12px; text-decoration:none; }
.logo img { width:214px; display:block; }
.nav-links { display:flex; align-items:center; gap:22px; font-size:14px; font-weight:700; color:var(--navy); }
.nav-links a { text-decoration:none; }
.nav-links a:hover { color:var(--teal); }
.btn {
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:13px 20px; border-radius:999px; background:var(--teal); color:white; text-decoration:none;
  font-weight:700; border:2px solid var(--teal); transition:.2s ease;
}
.btn:hover { transform:translateY(-1px); box-shadow:0 12px 28px rgba(42,127,111,.20); }
.btn.secondary { background:white; color:var(--navy); border-color:rgba(27,46,74,.18); }
.btn.gold { background:var(--gold); border-color:var(--gold); color:var(--navy); }
.menu-button { display:none; border:0; background:transparent; font-size:30px; color:var(--navy); }
.hero {
  position:relative; min-height:690px; display:flex; align-items:center; overflow:hidden;
  background:linear-gradient(90deg, rgba(27,46,74,.94) 0%, rgba(27,46,74,.86) 42%, rgba(27,46,74,.20) 100%),
             url('../assets/images/havenpoint-office-city.jpg') center/cover no-repeat;
}
.hero-card {
  width:min(650px, 100%); padding:46px; background:rgba(255,255,255,.94); border:1px solid rgba(200,150,62,.35);
  border-radius:24px; box-shadow:var(--shadow);
}
.eyebrow { color:var(--teal); font-weight:800; letter-spacing:.14em; font-size:12px; text-transform:uppercase; }
h1,h2,h3 { font-family: Georgia, 'Times New Roman', serif; color:var(--navy); line-height:1.05; margin:0; }
h1 { font-size:clamp(42px, 6vw, 76px); letter-spacing:-.04em; margin-top:16px; }
h2 { font-size:clamp(32px, 4vw, 52px); letter-spacing:-.03em; }
h3 { font-size:26px; }
.lede { font-size:20px; color:#3f4b5e; margin:22px 0 28px; }
.hero-actions { display:flex; flex-wrap:wrap; gap:14px; }
.trust-strip {
  display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:rgba(255,255,255,.15); border-top:1px solid rgba(255,255,255,.18);
}
.trust-strip div { background:var(--navy); color:white; padding:22px; text-align:center; }
.trust-strip strong { display:block; color:white; letter-spacing:.08em; font-size:13px; }
.trust-strip span { color:#d5e6e2; font-size:13px; }
section { padding:88px 0; }
.section-head { max-width:760px; margin:0 auto 42px; text-align:center; }
.section-head p { color:var(--muted); font-size:18px; }
.cards { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.card {
  background:white; border:1px solid rgba(27,46,74,.12); border-radius:22px; padding:30px; box-shadow:0 12px 36px rgba(27,46,74,.07);
}
.icon {
  width:52px; height:52px; border-radius:16px; background:var(--light-teal); display:grid; place-items:center;
  color:var(--teal); margin-bottom:18px; font-weight:900; font-size:24px;
}
.card p { color:var(--muted); margin-bottom:0; }
.bg-soft { background:linear-gradient(180deg, var(--light-navy), #fff); }
.split { display:grid; grid-template-columns:1fr 1fr; gap:54px; align-items:center; }
.panel {
  border:1px solid rgba(200,150,62,.35); background:var(--cream); border-radius:26px; padding:36px; box-shadow:var(--shadow);
}
.process { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; counter-reset:step; }
.step {
  position:relative; background:white; border-left:5px solid var(--teal); border-radius:18px; padding:26px;
  box-shadow:0 10px 30px rgba(27,46,74,.07);
}
.step::before {
  counter-increment:step; content:counter(step, decimal-leading-zero); display:block; color:var(--gold);
  font-family:Georgia,serif; font-size:34px; font-weight:bold; margin-bottom:8px;
}
.partner-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.partner { background:var(--navy); color:white; border-radius:18px; padding:24px; min-height:180px; }
.partner h3 { color:white; font-size:22px; }
.partner p { color:#d5e6e2; font-size:15px; }
.quote {
  background:linear-gradient(135deg, var(--navy), #0c1b2f); color:white; position:relative; overflow:hidden;
}
.quote h2, .quote h3 { color:white; }
.quote::after {
  content:""; position:absolute; inset:auto -120px -220px auto; width:520px; height:520px; border-radius:50%;
  background:rgba(42,127,111,.22);
}
.form-card {
  background:white; color:var(--dark); border-radius:24px; padding:32px; position:relative; z-index:1;
}
.form-grid { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
label { font-weight:700; color:var(--navy); font-size:14px; }
input, select, textarea {
  width:100%; margin-top:6px; padding:13px 14px; border-radius:12px; border:1px solid #d8dde6; font:inherit;
}
textarea { min-height:110px; resize:vertical; }
.full { grid-column:1 / -1; }
.disclaimer { font-size:12px; color:#d7e1ef; margin-top:18px; }
.footer {
  background:#0e1a2b; color:white; padding:54px 0 24px;
}
.footer-grid { display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:28px; }
.footer img { width:230px; background:white; padding:8px; border-radius:10px; }
.footer a { display:block; color:#d7e1ef; text-decoration:none; margin:8px 0; }
.footer small { color:#b8c3d4; }
.legal { border-top:1px solid rgba(255,255,255,.15); padding-top:18px; margin-top:28px; color:#b8c3d4; font-size:12px; }
@media (max-width: 860px) {
  .menu-button { display:block; }
  .nav-links { display:none; position:absolute; top:76px; left:0; right:0; background:white; padding:20px; flex-direction:column; align-items:flex-start; border-bottom:1px solid rgba(27,46,74,.12); }
  .nav-links.open { display:flex; }
  .hero { min-height:auto; padding:72px 0; background-position:center; }
  .hero-card { padding:30px; }
  .trust-strip, .cards, .process, .partner-grid, .split, .footer-grid { grid-template-columns:1fr; }
  .form-grid { grid-template-columns:1fr; }
}

.form-consent {
  margin: 2px 0 4px;
  font-size: 12px;
  line-height: 1.45;
  color: var(--muted);
}

.icon svg { width: 34px; height: 34px; display:block; color: var(--teal); }