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

:root {
  --navy: #0b1320;
  --navy-light: #101a2a;
  --navy-border: #1e2d42;
  --gold: #c4a35a;
  --gold-dim: #8a6f35;
  --crimson: #b91c1c;
  --amber: #b45309;
  --green: #15803d;
  --text: #e8e4d9;
  --text-muted: #7a8899;
  --text-dim: #4a5a72;
}

html {
  scroll-behavior: smooth;
}

body {
  background: var(--navy);
  color: var(--text);
  font-family: 'Segoe UI', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.6;
}

a {
  color: var(--gold);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

/* ── Nav ── */
nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 40px;
  border-bottom: 1px solid var(--navy-border);
  position: sticky;
  top: 0;
  background: rgba(11, 19, 32, 0.95);
  backdrop-filter: blur(8px);
  z-index: 100;
}

.nav-logo {
  font-family: Georgia, serif;
  font-size: 20px;
  letter-spacing: 0.1em;
  color: var(--text);
}

.nav-logo .mark {
  color: var(--gold);
}

.nav-links {
  display: flex;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  color: var(--text-muted);
  font-size: 14px;
  transition: color 0.15s;
}

.nav-links a:hover {
  color: var(--text);
  text-decoration: none;
}

.nav-cta {
  background: transparent;
  border: 1px solid var(--gold);
  color: var(--gold) !important;
  padding: 8px 20px;
  border-radius: 3px;
  font-size: 13px;
  transition: background 0.15s, color 0.15s !important;
}

.nav-cta:hover {
  background: var(--gold) !important;
  color: var(--navy) !important;
  text-decoration: none !important;
}

/* ── Hero ── */
.hero {
  max-width: 780px;
  margin: 0 auto;
  padding: 100px 40px 80px;
  text-align: center;
}

.hero-eyebrow {
  font-family: Georgia, serif;
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.hero h1 {
  font-family: Georgia, serif;
  font-size: clamp(36px, 6vw, 58px);
  font-weight: normal;
  line-height: 1.15;
  color: var(--text);
  margin-bottom: 24px;
}

.hero h1 em {
  color: var(--gold);
  font-style: normal;
}

.hero-sub {
  font-size: 18px;
  color: var(--text-muted);
  max-width: 540px;
  margin: 0 auto 40px;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn-primary {
  display: inline-block;
  padding: 14px 32px;
  background: var(--gold);
  color: var(--navy);
  font-family: Georgia, serif;
  font-size: 15px;
  border-radius: 3px;
  transition: background 0.15s;
}

.btn-primary:hover {
  background: #d4b46a;
  text-decoration: none;
}

.btn-secondary {
  display: inline-block;
  padding: 14px 32px;
  border: 1px solid var(--navy-border);
  color: var(--text-muted);
  font-size: 15px;
  border-radius: 3px;
  transition: border-color 0.15s, color 0.15s;
}

.btn-secondary:hover {
  border-color: var(--text-muted);
  color: var(--text);
  text-decoration: none;
}

.hero-note {
  margin-top: 16px;
  font-size: 13px;
  color: var(--text-dim);
  font-style: italic;
}

/* ── Divider ── */
.divider {
  border: none;
  border-top: 1px solid var(--navy-border);
  margin: 0;
}

/* ── Sections ── */
section {
  max-width: 900px;
  margin: 0 auto;
  padding: 80px 40px;
}

.section-label {
  font-family: Georgia, serif;
  font-size: 11px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

section h2 {
  font-family: Georgia, serif;
  font-size: clamp(26px, 4vw, 38px);
  font-weight: normal;
  line-height: 1.25;
  margin-bottom: 16px;
}

section .lead {
  font-size: 17px;
  color: var(--text-muted);
  max-width: 560px;
  line-height: 1.7;
  margin-bottom: 56px;
}

/* ── Risk cards ── */
.risk-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
}

.risk-card {
  background: var(--navy-light);
  border: 1px solid var(--navy-border);
  border-radius: 4px;
  padding: 24px;
  border-left: 3px solid var(--navy-border);
}

.risk-card.high   { border-left-color: var(--crimson); }
.risk-card.medium { border-left-color: var(--amber); }
.risk-card.low    { border-left-color: var(--green); }

.risk-badge {
  display: inline-block;
  font-family: Georgia, serif;
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.high  .risk-badge { color: var(--crimson); }
.medium .risk-badge { color: var(--amber); }
.low   .risk-badge { color: var(--green); }

.risk-card h3 {
  font-family: Georgia, serif;
  font-size: 16px;
  font-weight: normal;
  margin-bottom: 8px;
}

.risk-card p {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ── How it works ── */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 40px;
}

.step-number {
  font-family: Georgia, serif;
  font-size: 32px;
  color: var(--navy-border);
  line-height: 1;
  margin-bottom: 16px;
}

.step h3 {
  font-family: Georgia, serif;
  font-size: 18px;
  font-weight: normal;
  margin-bottom: 8px;
}

.step p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ── Freelancer callout ── */
.callout {
  background: var(--navy-light);
  border: 1px solid var(--navy-border);
  border-left: 3px solid var(--gold);
  border-radius: 4px;
  padding: 40px 48px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  max-width: 900px;
  margin: 0 auto;
}

.callout-text h2 {
  font-family: Georgia, serif;
  font-size: 26px;
  font-weight: normal;
  margin-bottom: 12px;
}

.callout-text p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}

.callout-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.callout-list li {
  font-size: 14px;
  color: var(--text-muted);
  padding-left: 20px;
  position: relative;
  line-height: 1.5;
}

.callout-list li::before {
  content: '§';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-family: Georgia, serif;
}

/* ── CTA ── */
.cta-section {
  text-align: center;
  padding: 100px 40px;
  border-top: 1px solid var(--navy-border);
}

.cta-section h2 {
  font-family: Georgia, serif;
  font-size: clamp(28px, 4vw, 42px);
  font-weight: normal;
  margin-bottom: 16px;
}

.cta-section p {
  color: var(--text-muted);
  font-size: 17px;
  margin-bottom: 40px;
}

/* ── Footer ── */
footer {
  border-top: 1px solid var(--navy-border);
  padding: 32px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 13px;
  color: var(--text-dim);
}

.footer-logo {
  font-family: Georgia, serif;
  letter-spacing: 0.08em;
}

.footer-logo .mark {
  color: var(--gold);
}

.footer-links {
  display: flex;
  gap: 24px;
}

.footer-links a {
  color: var(--text-dim);
  font-size: 13px;
}

.footer-links a:hover {
  color: var(--text-muted);
}

/* ── Privacy page ── */
.prose {
  max-width: 680px;
  margin: 0 auto;
  padding: 80px 40px;
}

.prose h1 {
  font-family: Georgia, serif;
  font-size: 36px;
  font-weight: normal;
  margin-bottom: 8px;
}

.prose .date {
  font-size: 13px;
  color: var(--text-dim);
  font-style: italic;
  margin-bottom: 48px;
  display: block;
}

.prose h2 {
  font-family: Georgia, serif;
  font-size: 20px;
  font-weight: normal;
  margin: 40px 0 12px;
  color: var(--gold);
}

.prose p, .prose li {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 14px;
}

.prose ul {
  padding-left: 20px;
  margin-bottom: 14px;
}

.prose a {
  color: var(--gold);
}

@media (max-width: 680px) {
  nav { padding: 16px 20px; }
  .nav-links { display: none; }
  .hero { padding: 60px 20px 60px; }
  section { padding: 60px 20px; }
  .callout { grid-template-columns: 1fr; padding: 28px 24px; }
  footer { flex-direction: column; gap: 16px; text-align: center; }
  .prose { padding: 60px 20px; }
}