/* VARIABLES */
:root {
  --navy: #0b1f3a;
  --gold: #c9a84c;
  --cream: #f8f4ed;
  --text: #1a1a2e;
  --muted: #5a6272;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--cream);
  color: var(--text);
}

nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  padding: 1rem 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
nav .logo {
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
}
nav a.nav-cta {
  background: var(--gold);
  color: var(--navy);
  padding: .5rem 1.4rem;
  border-radius: 4px;
  font-weight: 700;
  text-decoration: none;
  font-size: .9rem;
  transition: opacity .2s;
}
nav a.nav-cta:hover { opacity: .85; }


#hero {
  background: linear-gradient(135deg, var(--navy) 60%, #1a3560 100%);
  color: white;
  text-align: center;
  padding: 6rem 1.5rem 5rem;
}
#hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  line-height: 1.15;
  max-width: 800px;
  margin: 0 auto .8rem;
}
#hero h1 span { color: var(--gold); }
#hero p {
  font-size: 1.15rem;
  color: #c8d4e8;
  max-width: 560px;
  margin: 0 auto 2rem;
}

.btn-gold {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  padding: .85rem 2.4rem;
  border-radius: 4px;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: transform .15s, box-shadow .15s;
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,.4);
}
.btn-outline {
  background: white;
  border: 2px solid var(--navy);
  color: var(--navy);
  padding: .65rem 1.5rem;
  border-radius: 4px;
  cursor: pointer;
  font-weight: 600;
  font-size: .9rem;
  transition: all .2s;
}
.btn-outline:hover {
  background: var(--navy);
  color: white;
}


section { padding: 4.5rem 1.5rem; }
.container { max-width: 1080px; margin: 0 auto; }
.section-label {
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .78rem;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: .5rem;
}
h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  margin-bottom: 1.2rem;
}


#benefits { background: white; }
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}
.card {
  background: var(--cream);
  border-left: 4px solid var(--gold);
  padding: 1.5rem;
  border-radius: 4px;
}
.card .icon { font-size: 1.8rem; margin-bottom: .7rem; }
.card h3 { font-size: 1.05rem; margin-bottom: .4rem; }
.card p { font-size: .9rem; color: var(--muted); }

#highlights { background: var(--navy); color: white; }
#highlights h2 { color: white; }
.highlights-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}
.highlight-item {
  border: 1px solid rgba(201,168,76,.3);
  padding: 1.4rem;
  border-radius: 6px;
  text-align: center;
}
.highlight-item .num {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  color: var(--gold);
}
.highlight-item p { font-size: .9rem; color: #a0b0cc; margin-top: .3rem; }

#testimonials { background: var(--cream); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}
.testimonial {
  background: white;
  padding: 1.5rem;
  border-radius: 6px;
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
}
.testimonial p { font-size: .95rem; color: var(--muted); font-style: italic; }
.testimonial .author { margin-top: .8rem; font-weight: 700; font-size: .85rem; color: var(--navy); }

#cta-band { background: var(--gold); text-align: center; padding: 3rem 1.5rem; }
#cta-band h2 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  font-size: 1.9rem;
  margin-bottom: 1rem;
}

#apply { background: white; }
.form-wrapper { max-width: 560px; margin: 0 auto; }

.progress-bar {
  display: flex;
  gap: .5rem;
  margin-bottom: 1rem;
}
.progress-bar span {
  flex: 1;
  height: 5px;
  background: #ddd;
  border-radius: 99px;
  transition: background .3s;
}
.progress-bar span.active { background: var(--gold); }

.step-label { font-size: .82rem; color: var(--muted); margin-bottom: 1.2rem; }

.step { display: none; flex-direction: column; gap: 1rem; }
.step.active { display: flex; }

.form-group { display: flex; flex-direction: column; gap: .4rem; }
.checkbox-group { flex-direction: row; align-items: center; gap: .7rem; }
.checkbox-group input { width: 18px; height: 18px; flex-shrink: 0; }

label { font-size: .88rem; font-weight: 500; color: var(--navy); }
input, select, textarea {
  padding: .7rem 1rem;
  border: 1.5px solid #ddd;
  border-radius: 4px;
  font-size: .95rem;
  font-family: inherit;
  transition: border-color .2s;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold);
}
textarea { resize: vertical; min-height: 100px; }

.error-msg { color: #c0392b; font-size: .8rem; display: none; }
.form-nav { display: flex; justify-content: space-between; margin-top: 1rem; }

#summary-box {
  background: var(--cream);
  border-radius: 6px;
  padding: 1.2rem 1.5rem;
  font-size: .9rem;
  line-height: 1.9;
}
#summary-box strong { color: var(--navy); }

#thankyou { display: none; text-align: center; padding: 3rem 1rem; }
.ty-icon { font-size: 3rem; }
#thankyou h2 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  font-size: 2rem;
  margin-bottom: .6rem;
}
#thankyou p { color: var(--muted); }
.ref-id { margin-top: .5rem; font-size: .85rem; color: #999; }

#popup-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.55);
  z-index: 999;
  align-items: center;
  justify-content: center;
}
#popup-overlay.show { display: flex; }
#popup {
  background: white;
  border-radius: 8px;
  padding: 2.5rem 2rem;
  max-width: 400px;
  width: 90%;
  text-align: center;
  position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,.25);
}
#popup h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: .5rem;
}
#popup p { color: var(--muted); font-size: .9rem; margin-bottom: 1.2rem; }
#popup input { width: 100%; margin-bottom: .8rem; }
#popup .btn-gold { width: 100%; }
.close-btn {
  position: absolute;
  top: .7rem;
  right: 1rem;
  background: none;
  border: none;
  font-size: 1.3rem;
  cursor: pointer;
  color: var(--muted);
}
#popup-success { display: none; color: green; font-size: .9rem; margin-top: .5rem; }

footer {
  background: var(--navy);
  color: #7a8fa8;
  text-align: center;
  padding: 1.5rem;
  font-size: .85rem;
}

@media (max-width: 600px) {
  nav .logo { font-size: 1rem; }
  #hero { padding: 4rem 1.2rem 3.5rem; }
}