:root {
  --gold: #C9A84C;
  --gold-light: #E8C96A;
  --gold-dark: #8B6914;
  --navy: #0E1C2F;
  --navy-mid: #142338;
  --navy-light: #1E3450;
  --navy-card: #162035;
  --white: #FFFFFF;
  --text-muted: #7A92B0;
  --border: rgba(201,168,76,0.22);
  --border-input: rgba(255,255,255,0.1);
}

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

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--navy);
  color: var(--white);
  min-height: 100vh;
  overflow-x: hidden;
}

/* NAVBAR */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 48px;
  background: rgba(14,28,47,0.96);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
}
.logo {
  display: flex; align-items: center; gap: 10px;
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem; font-weight: 700;
  letter-spacing: -0.5px; color: var(--white);
}
.logo span { color: var(--gold); }
.logo-icon { font-size: 1.4rem; }
.nav-tag {
  font-size: 0.68rem; font-weight: 600; letter-spacing: 3px;
  color: var(--text-muted); text-transform: uppercase;
  border: 1px solid var(--border);
  padding: 6px 14px; border-radius: 20px;
}

/* HERO */
.hero {
  padding: 130px 48px 80px;
  background: linear-gradient(180deg, #0A1628 0%, #0E1C2F 40%, #122034 100%);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; top: -80px; left: 50%; transform: translateX(-50%);
  width: 700px; height: 500px; border-radius: 50%;
  background: radial-gradient(ellipse, rgba(201,168,76,0.1) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute; right: -120px; top: 50px;
  width: 500px; height: 500px; border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.06);
  background: rgba(255,255,255,0.02);
  pointer-events: none;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.72rem; font-weight: 600; letter-spacing: 3px;
  color: var(--gold-light); text-transform: uppercase;
  border: 1px solid rgba(201,168,76,0.35); padding: 9px 22px;
  border-radius: 30px; margin-bottom: 32px;
  background: rgba(201,168,76,0.07);
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  font-weight: 900; line-height: 1.12;
  margin-bottom: 10px; color: var(--white);
  letter-spacing: -1px;
}
.hero h1 .gold {
  color: var(--gold);
  display: block;
  font-style: italic;
}
.hero-sub {
  font-size: 1rem; color: var(--text-muted);
  max-width: 500px; margin: 14px auto 44px;
  line-height: 1.75;
}

/* STATS */
.stats {
  display: flex; justify-content: center; gap: 60px;
  margin-bottom: 64px;
}
.stat { text-align: center; }
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 2rem; font-weight: 700; color: var(--gold);
}
.stat-label {
  font-size: 0.72rem; letter-spacing: 2px; text-transform: uppercase;
  color: var(--text-muted); margin-top: 4px;
}

/* MAIN FORM CARD */
.form-container {
  max-width: 820px; margin: 0 auto;
  background: #FFFFFF;
  border: none;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,0,0,0.4);
}

/* TABS */
.tabs {
  display: flex;
  border-bottom: 1px solid #E8EDF2;
  background: #F5F8FC;
}
.tab-btn {
  flex: 1; padding: 22px 20px;
  background: none; border: none; cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.9rem; font-weight: 600;
  color: #8A9BB0;
  display: flex; align-items: center; justify-content: center; gap: 8px;
  transition: all 0.3s;
  border-bottom: 3px solid transparent;
  margin-bottom: -1px;
}
.tab-btn.active {
  color: #1A2D42;
  border-bottom-color: #C9A84C;
  background: #FFFFFF;
}
.tab-btn:hover:not(.active) { color: #1A2D42; background: #EEF2F7; }
.tab-icon { font-size: 1.1rem; }

/* FORM PANELS */
.form-panel { display: none; padding: 40px; background: #FFFFFF; }
.form-panel.active { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

/* SECTION HEADERS */
.section-header {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 3px;
  text-transform: uppercase; color: #8B6914;
  margin-bottom: 24px; padding-bottom: 12px;
  border-bottom: 1.5px solid #E8E0D0;
}

/* GRID */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; margin-bottom: 20px; }
.full-width { grid-column: 1 / -1; }
.mb-section { margin-bottom: 36px; }

/* INPUTS */
.field label {
  display: block; font-size: 0.82rem; font-weight: 600;
  color: #4A5568; margin-bottom: 8px;
}
.field label .req { color: #C9A84C; margin-left: 2px; }
.field input, .field select, .field textarea {
  width: 100%; background: #F7F9FC;
  border: 1.5px solid #DDE3EC;
  border-radius: 10px; padding: 13px 16px;
  color: #1A2D42; font-family: 'DM Sans', sans-serif;
  font-size: 0.92rem; transition: all 0.25s;
  outline: none;
}
.field select {
  appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23C9A84C' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
  padding-right: 36px; background-color: #F7F9FC;
}
.field select option { background: #fff; color: #1A2D42; }
.field textarea { resize: vertical; min-height: 100px; line-height: 1.6; }
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: #C9A84C; box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
  background: #FFFFFF;
}
.field input::placeholder, .field textarea::placeholder { color: #A0AEC0; }

/* PHONE INPUT */
.phone-wrap { display: flex; }
.phone-prefix {
  background: #EEF2F7; border: 1.5px solid #DDE3EC;
  border-right: none; border-radius: 10px 0 0 10px;
  padding: 13px 14px; color: #8B6914; font-weight: 700; font-size: 0.9rem;
  white-space: nowrap;
}
.phone-wrap input { border-radius: 0 10px 10px 0; }

/* RADIO PILLS */
.radio-group { display: flex; gap: 10px; flex-wrap: wrap; }
.radio-pill { position: relative; }
.radio-pill input { position: absolute; opacity: 0; width: 0; height: 0; }
.radio-pill label {
  display: flex; align-items: center; gap: 6px;
  padding: 10px 18px; border-radius: 30px;
  border: 1.5px solid #DDE3EC;
  background: #F7F9FC; cursor: pointer;
  font-size: 0.85rem; font-weight: 500; color: #6B7A8D;
  transition: all 0.25s; margin-bottom: 0;
}
.radio-pill input:checked + label {
  border-color: #C9A84C; color: #8B6914;
  background: #FFF8E7; font-weight: 600;
}
.radio-pill label:hover { border-color: #C9A84C; color: #1A2D42; }

/* CHECKBOX GRID */
.check-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.check-item { position: relative; }
.check-item input { position: absolute; opacity: 0; width: 0; height: 0; }
.check-item label {
  display: flex; align-items: center; gap: 8px;
  padding: 11px 14px; border-radius: 10px;
  border: 1.5px solid #DDE3EC;
  background: #F7F9FC; cursor: pointer;
  font-size: 0.82rem; color: #6B7A8D;
  transition: all 0.2s; margin-bottom: 0;
}
.check-item input:checked + label {
  border-color: #C9A84C; color: #8B6914;
  background: #FFF8E7; font-weight: 600;
}
.check-item label::before {
  content: ''; width: 16px; height: 16px; border-radius: 4px;
  border: 1.5px solid #CBD5E0; flex-shrink: 0; transition: all 0.2s;
}
.check-item input:checked + label::before {
  background: #C9A84C; border-color: #C9A84C;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath stroke='%23fff' stroke-width='1.8' fill='none' stroke-linecap='round' d='M2 6l3 3 5-5'/%3E%3C/svg%3E");
  background-size: 10px; background-repeat: no-repeat; background-position: center;
}

/* PHOTO UPLOAD */
.upload-area {
  border: 2px dashed rgba(201,168,76,0.35); border-radius: 14px;
  padding: 32px; text-align: center; cursor: pointer;
  transition: all 0.3s; background: #FFFBF0;
}
.upload-area:hover { border-color: #C9A84C; background: #FFF8E7; }
.upload-icon { font-size: 2rem; margin-bottom: 10px; }
.upload-text { color: #8A9BB0; font-size: 0.85rem; line-height: 1.6; }
.upload-text strong { color: #C9A84C; }

/* SUBMIT BUTTON */
.submit-btn {
  width: 100%; padding: 18px;
  background: linear-gradient(135deg, #E8C96A 0%, #C9A84C 100%);
  border: none; border-radius: 12px; cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem; font-weight: 700;
  color: #1A2D42; letter-spacing: 0.5px;
  transition: all 0.3s;
  display: flex; align-items: center; justify-content: center; gap: 10px;
  margin-top: 8px;
}
.submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(201,168,76,0.4);
}
.submit-btn:active { transform: translateY(0); }
.submit-note {
  text-align: center; margin-top: 14px;
  font-size: 0.78rem; color: #A0AEC0;
}
.submit-note span { color: #C9A84C; }

/* WHY US */
.why-section {
  padding: 80px 48px; text-align: center;
  background: var(--navy-mid);
  border-top: 1px solid var(--border);
}
.why-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
  max-width: 820px; margin: 48px auto 0;
}
.why-card {
  background: var(--navy-card); border: 1px solid var(--border);
  border-radius: 18px; padding: 32px 24px;
  transition: transform 0.3s, box-shadow 0.3s;
}
.why-card:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(0,0,0,0.4); }
.why-card .icon { font-size: 2.2rem; margin-bottom: 14px; }
.why-card h4 { font-family: 'Playfair Display', serif; font-size: 1.15rem; margin-bottom: 8px; color: var(--gold); }
.why-card p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.7; }

.section-label {
  font-size: 0.72rem; letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 14px;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 900;
  color: var(--white);
}

/* FOOTER */
footer {
  text-align: center; padding: 32px 48px;
  background: var(--navy);
  border-top: 1px solid var(--border);
  color: var(--text-muted); font-size: 0.82rem;
}
footer a { color: var(--gold); text-decoration: none; }

/* MOBILE */
@media (max-width: 700px) {
  nav { padding: 14px 20px; }
  .hero { padding: 110px 20px 60px; }
  .stats { gap: 30px; }
  .form-panel { padding: 24px 20px; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .check-grid { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .why-section { padding: 60px 20px; }
  footer { padding: 24px 20px; }
}