:root {
    --navy: #0D1B2A;
    --gold: #C9A84C;
    --gold-light: #E8C96D;
    --cream: #F5F0E8;
    --white: #FDFCFA;
    --slate: #4A5568;
    --light-slate: #8A9BB0;
  }

  * { margin: 0; padding: 0; box-sizing: border-box; }

  html { scroll-behavior: smooth; }

  html, body { max-width: 100%; overflow-x: hidden; }
  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--white);
    color: var(--navy);
    -webkit-text-size-adjust: 100%;
    -webkit-tap-highlight-color: transparent;
  }

  /* BRAND LOCKUP — "Serving" italic, "Agent" composed serif */
  .brand {
    display: inline-flex;
    align-items: baseline;
    gap: 6px;
    line-height: 1;
    letter-spacing: 0.01em;
  }
  .brand .serving {
    font-family: 'Playfair Display', serif;
    font-style: italic;
    font-weight: 500;
    color: var(--gold);
    transform: skewX(-6deg);
    display: inline-block;
  }
  .brand .agent {
    font-family: 'Playfair Display', serif;
    font-weight: 700;
    color: var(--white);
    letter-spacing: 0.01em;
  }
  .brand.on-light .agent { color: var(--navy); }
  .brand .dot {
    display: inline-block;
    width: 5px; height: 5px;
    background: var(--gold);
    border-radius: 50%;
    margin-left: 2px;
    transform: translateY(-1px);
  }

  /* NAV */
  nav {
    position: fixed; top: 0; width: 100%; z-index: 100;
    padding: 20px 60px;
    display: flex; justify-content: space-between; align-items: center;
    background: rgba(13, 27, 42, 0.96);
    -webkit-backdrop-filter: blur(12px);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(201, 168, 76, 0.2);
  }
  nav .brand { font-size: 1.5rem; }
  nav ul { list-style: none; display: flex; gap: 36px; align-items: center; }
  nav ul a {
    color: rgba(255,255,255,0.75); text-decoration: none;
    font-size: 0.85rem; font-weight: 500; letter-spacing: 0.08em;
    text-transform: uppercase;
    transition: color 0.2s;
  }
  nav ul a:hover { color: var(--gold); }
  .nav-cta {
    background: var(--gold); color: var(--navy) !important;
    padding: 10px 22px; border-radius: 2px;
    font-weight: 500 !important;
  }
  .nav-cta:hover { background: var(--gold-light) !important; color: var(--navy) !important; }

  /* MOBILE MENU TOGGLE */
  .menu-toggle {
    display: none;
    background: transparent;
    border: 1px solid rgba(201, 168, 76, 0.4);
    border-radius: 4px;
    width: 42px; height: 42px;
    cursor: pointer;
    padding: 0;
    align-items: center; justify-content: center;
    flex-direction: column; gap: 5px;
  }
  .menu-toggle span {
    display: block;
    width: 18px; height: 2px;
    background: var(--gold);
    transition: transform 0.25s ease, opacity 0.2s ease;
  }
  .menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  /* VETERAN BADGE */
  .vet-badge {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 6px 14px;
    border: 1px solid var(--gold);
    border-radius: 999px;
    color: var(--gold);
    font-size: 0.7rem; font-weight: 500;
    letter-spacing: 0.12em; text-transform: uppercase;
    background: rgba(201,168,76,0.06);
  }
  .vet-badge .star {
    width: 10px; height: 10px; background: var(--gold);
    clip-path: polygon(50% 0,61% 35%,98% 35%,68% 57%,79% 91%,50% 70%,21% 91%,32% 57%,2% 35%,39% 35%);
  }
  .vet-badge.on-light { color: var(--navy); border-color: var(--navy); background: rgba(13,27,42,0.04); }
  .vet-badge.on-light .star { background: var(--navy); }

  /* HERO */
  .hero {
    min-height: 100vh;
    min-height: 100svh;
    background: var(--navy);
    display: grid; grid-template-columns: 1fr 1fr; align-items: center;
    padding: 120px 60px 80px;
    position: relative; overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute; top: -100px; right: -100px;
    width: 600px; height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
  }
  .hero::after {
    content: '';
    position: absolute; bottom: -150px; left: 200px;
    width: 400px; height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201,168,76,0.05) 0%, transparent 70%);
  }
  .hero-text { position: relative; z-index: 2; }
  .hero-eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    color: var(--gold); font-size: 0.75rem;
    letter-spacing: 0.15em; text-transform: uppercase;
    margin-bottom: 24px;
  }
  .hero-eyebrow::before {
    content: ''; display: block;
    width: 32px; height: 1px; background: var(--gold);
  }
  h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.8rem, 4.5vw, 4.2rem);
    line-height: 1.1; color: var(--white);
    margin-bottom: 24px;
  }
  h1 em {
    color: #FFFFFF;
    font-style: italic;
    font-weight: 500;
    display: inline-block;
    transform: skewX(-6deg);
  }
  .hero-sub {
    font-size: 1.05rem; line-height: 1.7;
    color: rgba(255,255,255,0.65);
    max-width: 480px; margin-bottom: 28px;
  }
  .hero-vet { margin-bottom: 16px; }
  .hero-agent {
    color: rgba(255,255,255,0.55);
    font-size: 0.85rem;
    letter-spacing: 0.06em;
    margin-bottom: 28px;
  }
  .hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
  .btn-primary {
    background: var(--gold); color: var(--navy);
    padding: 16px 36px; border-radius: 2px;
    text-decoration: none; font-weight: 500;
    font-size: 0.95rem; letter-spacing: 0.04em;
    transition: all 0.25s;
    border: none; cursor: pointer;
  }
  .btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }
  .btn-outline {
    background: transparent; color: var(--white);
    padding: 16px 36px; border-radius: 2px;
    text-decoration: none; font-weight: 500;
    font-size: 0.95rem; letter-spacing: 0.04em;
    border: 1px solid rgba(255,255,255,0.3);
    transition: all 0.25s; cursor: pointer;
  }
  .btn-outline:hover { border-color: var(--gold); color: var(--gold); }

  .btn-military {
    background: transparent;
    color: var(--gold);
    padding: 16px 36px; border-radius: 2px;
    text-decoration: none; font-weight: 500;
    font-size: 0.95rem; letter-spacing: 0.04em;
    border: 1px solid var(--gold);
    transition: all 0.25s; cursor: pointer;
    display: inline-flex; align-items: center; gap: 8px;
  }
  .btn-military:hover {
    background: var(--gold);
    color: var(--navy);
    transform: translateY(-2px);
  }

  .nav-mil {
    color: var(--gold) !important;
    border: 1px solid rgba(201,168,76,0.4);
    padding: 8px 16px !important;
    border-radius: 2px;
    letter-spacing: 0.06em !important;
  }
  .nav-mil:hover {
    background: rgba(201,168,76,0.1) !important;
    border-color: var(--gold) !important;
    color: var(--gold) !important;
  }

  .hero-stats {
    display: grid; grid-template-columns: 1fr 1fr; gap: 2px;
    position: relative; z-index: 2;
  }
  .stat-card {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(201,168,76,0.15);
    padding: 36px 32px;
    transition: all 0.3s;
  }
  .stat-card:hover { background: rgba(201,168,76,0.07); border-color: rgba(201,168,76,0.35); }
  .stat-card:first-child { border-radius: 4px 0 0 0; }
  .stat-card:nth-child(2) { border-radius: 0 4px 0 0; }
  .stat-card:nth-child(3) { border-radius: 0 0 0 4px; }
  .stat-card:last-child { border-radius: 0 0 4px 0; }
  .stat-number {
    font-family: 'Playfair Display', serif;
    font-size: 2.8rem; color: var(--gold); line-height: 1;
    margin-bottom: 8px;
  }
  .stat-label { color: rgba(255,255,255,0.55); font-size: 0.85rem; line-height: 1.4; }

  /* HOW IT WORKS */
  .section { padding: 100px 60px; }
  .section-label {
    display: inline-flex; align-items: center; gap: 10px;
    color: var(--gold); font-size: 0.75rem;
    letter-spacing: 0.15em; text-transform: uppercase;
    margin-bottom: 16px;
  }
  .section-label::before {
    content: ''; width: 24px; height: 1px; background: var(--gold);
  }
  h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2rem, 3vw, 2.8rem);
    line-height: 1.2; margin-bottom: 60px;
  }
  h2 em {
    color: var(--gold);
    font-style: italic;
    display: inline-block;
    transform: skewX(-6deg);
  }
  .steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
  .step {
    padding: 44px 36px;
    border-left: 1px solid #E8E4DC;
    position: relative;
  }
  .step:first-child { border-left: none; padding-left: 0; }
  .step-num {
    font-family: 'Playfair Display', serif;
    font-size: 3.5rem; color: #C9A84C;
    line-height: 1; margin-bottom: 20px;
    font-weight: 700;
  }
  .step-icon {
    font-size: 1.6rem; margin-bottom: 16px;
  }
  .step h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem; margin-bottom: 12px;
  }
  .step p { color: var(--slate); font-size: 0.9rem; line-height: 1.7; }

  /* LEAD SOURCES */
  .leads-section {
    background: var(--navy);
    padding: 100px 60px;
  }
  .leads-section h2 { color: var(--white); }
  .leads-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
  .lead-card {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(201,168,76,0.12);
    padding: 40px 36px;
    transition: all 0.3s;
  }
  .lead-card:hover {
    background: rgba(201,168,76,0.06);
    border-color: rgba(201,168,76,0.3);
    transform: translateY(-4px);
  }
  .lead-icon { font-size: 2rem; margin-bottom: 20px; }
  .lead-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem; color: var(--white);
    margin-bottom: 12px;
  }
  .lead-card p { color: rgba(255,255,255,0.55); font-size: 0.875rem; line-height: 1.7; }
  .leads-section .section-label { color: #A8B8C8; }
  .leads-section .section-label::before { background: #A8B8C8; }
  .leads-section h2 em { color: #FFFFFF; }
  .lead-tag {
    display: inline-block; margin-top: 16px;
    background: rgba(201,168,76,0.15); color: var(--gold);
    padding: 4px 12px; border-radius: 20px; font-size: 0.75rem;
    letter-spacing: 0.06em;
  }

  /* FORM SECTION */
  .form-section {
    background: var(--cream);
    padding: 100px 60px;
    display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start;
  }
  .form-section h2 { margin-bottom: 20px; }
  .form-intro { color: var(--slate); line-height: 1.7; margin-bottom: 0; }
  .trust-badges { margin-top: 40px; display: flex; flex-direction: column; gap: 16px; }
  .badge {
    display: flex; align-items: center; gap: 14px;
    background: white; padding: 16px 20px; border-radius: 4px;
    border: 1px solid #E8E4DC;
  }
  .badge-icon { font-size: 1.4rem; }
  .badge-text { font-size: 0.875rem; color: var(--slate); line-height: 1.4; }
  .badge-text strong { color: var(--navy); display: block; font-size: 0.9rem; }

  .lead-form {
    background: white;
    padding: 48px;
    border-radius: 4px;
    box-shadow: 0 20px 60px rgba(13,27,42,0.08);
  }
  .form-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem; margin-bottom: 8px;
  }
  .form-subtitle { color: var(--slate); font-size: 0.875rem; margin-bottom: 32px; }
  .form-agent {
    background: var(--cream);
    border-left: 3px solid var(--gold);
    padding: 12px 16px;
    font-size: 0.85rem;
    color: var(--slate);
    margin-bottom: 28px;
    border-radius: 2px;
  }
  .form-agent strong { color: var(--navy); }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  .form-group { margin-bottom: 20px; }
  .form-group label {
    display: block; font-size: 0.8rem; font-weight: 500;
    letter-spacing: 0.06em; text-transform: uppercase;
    color: var(--slate); margin-bottom: 8px;
  }
  .form-group input, .form-group select, .form-group textarea {
    width: 100%; padding: 14px 16px;
    border: 1px solid #DDD8CF; border-radius: 2px;
    font-family: 'DM Sans', sans-serif; font-size: 0.9rem;
    background: var(--white); color: var(--navy);
    transition: border-color 0.2s;
    outline: none;
  }
  .form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    border-color: var(--gold);
  }
  .form-group textarea { height: 100px; resize: vertical; }
  .form-submit {
    width: 100%;
    background: var(--navy); color: var(--white);
    padding: 16px; border: none; border-radius: 2px;
    font-family: 'DM Sans', sans-serif; font-size: 0.95rem;
    font-weight: 500; letter-spacing: 0.06em; text-transform: uppercase;
    cursor: pointer; transition: all 0.25s;
    margin-top: 8px;
  }
  .form-submit:hover { background: var(--gold); color: var(--navy); }
  .form-note { text-align: center; font-size: 0.78rem; color: #B0C0D0; margin-top: 12px; }

  /* FOOTER */
  footer {
    background: #080F18;
    padding: 60px;
    display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 60px;
    border-top: 1px solid rgba(201,168,76,0.15);
  }
  .footer-brand .brand { font-size: 1.4rem; }
  .footer-brand p { color: #A0B4C8; font-size: 0.85rem; margin-top: 16px; line-height: 1.7; max-width: 280px; }
  .footer-brand .vet-badge { margin-top: 18px; }
  .footer-license {
    color: #A0B4C8 !important;
    font-size: 0.8rem !important;
    margin-top: 18px !important;
    line-height: 1.6 !important;
  }
  .footer-license strong { color: var(--gold); }
  .footer-col h4 {
    color: var(--gold); font-size: 0.75rem; letter-spacing: 0.12em;
    text-transform: uppercase; margin-bottom: 20px;
  }
  .footer-col a {
    display: block; color: #A0B4C8; text-decoration: none;
    font-size: 0.875rem; margin-bottom: 10px; transition: color 0.2s;
  }
  .footer-col a:hover { color: var(--white); }
  .footer-bottom {
    background: #080F18; padding: 20px 60px;
    border-top: 1px solid rgba(255,255,255,0.06);
    display: flex; justify-content: space-between; align-items: center;
  }
  .footer-bottom p { color: #A0B4C8; font-size: 0.78rem; }

  /* ANIMATIONS */
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .hero-text { animation: fadeUp 0.8s ease forwards; }
  .hero-stats { animation: fadeUp 0.8s 0.2s ease both; }

  /* SUCCESS MESSAGE */
  .success-msg {
    display: none;
    background: #F0FAF4;
    border: 1px solid #9AE6B4;
    color: #276749;
    padding: 16px; border-radius: 4px;
    text-align: center; font-size: 0.9rem;
    margin-top: 16px;
  }

  @media (max-width: 900px) {
    nav { padding: 14px 20px; }
    nav ul {
      position: absolute;
      top: 100%; left: 0; right: 0;
      flex-direction: column;
      gap: 0;
      background: rgba(13, 27, 42, 0.98);
      -webkit-backdrop-filter: blur(12px);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(201, 168, 76, 0.2);
      padding: 8px 20px 20px;
      transform: translateY(-8px);
      opacity: 0;
      pointer-events: none;
      transition: transform 0.2s ease, opacity 0.2s ease;
    }
    nav ul.is-open {
      transform: translateY(0);
      opacity: 1;
      pointer-events: auto;
    }
    nav ul li { width: 100%; }
    nav ul a {
      display: block;
      padding: 14px 4px;
      border-bottom: 1px solid rgba(255,255,255,0.06);
      font-size: 0.95rem;
    }
    nav ul li:last-child a { border-bottom: none; }
    .nav-cta {
      margin-top: 8px;
      text-align: center;
    }
    .menu-toggle { display: flex; }
    .hero { grid-template-columns: 1fr; padding: 96px 22px 56px; gap: 40px; }
    .hero-stats { grid-template-columns: 1fr 1fr; }
    .stat-card { padding: 28px 22px; }
    .stat-number { font-size: 2.2rem; }
    .section { padding: 60px 22px; }
    .steps { grid-template-columns: 1fr 1fr; }
    .step { padding: 32px 20px; }
    .step:nth-child(3) { border-left: none; padding-left: 0; }
    .leads-section { padding: 60px 22px; }
    .leads-grid { grid-template-columns: 1fr; }
    .form-section { grid-template-columns: 1fr; padding: 60px 22px; gap: 36px; }
    .lead-form { padding: 32px 24px; }
    footer { grid-template-columns: 1fr; padding: 40px 22px; gap: 36px; }
    .footer-bottom { padding: 16px 22px; flex-direction: column; gap: 8px; text-align: center; }
  }

  @media (max-width: 480px) {
    .hero-btns { flex-direction: column; align-items: stretch; }
    .btn-primary, .btn-outline { text-align: center; padding: 14px 24px; }
    .form-row { grid-template-columns: 1fr; gap: 0; }
    .steps { grid-template-columns: 1fr; }
    .step { border-left: none; padding-left: 0; padding-right: 0; }
    .lead-form { padding: 28px 20px; }
    h1 { font-size: 2.4rem; }
  }