/* FasLane Capital — navy & gold */
:root {
  --navy: #16263c;
  --navy-deep: #0e1a2b;
  --navy-soft: #22364f;
  --gold: #a5854f;
  --gold-bright: #c4a468;
  --gold-pale: #efe6d4;
  --cream: #f8f5ef;
  --paper: #ffffff;
  --ink: #142033;
  --muted: #5b6676;
  --line: #e2dccf;
  --line-dark: rgba(255, 255, 255, 0.14);
  --ok: #2f6b4f;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --wrap: 1140px;
  --radius: 10px;
}

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

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
}

img, svg { max-width: 100%; display: block; }
a { color: inherit; }

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.01em;
  margin: 0;
  text-wrap: balance;
}
h1 { font-size: clamp(2.4rem, 5.4vw, 4.1rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
h3 { font-size: 1.25rem; line-height: 1.25; }
p { margin: 0; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section--paper { background: var(--paper); }
.section--navy { background: var(--navy); color: #fff; }

.eyebrow {
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.section--navy .eyebrow,
.hero .eyebrow { color: var(--gold-bright); }

.lede { font-size: 1.12rem; color: var(--muted); max-width: 62ch; margin-top: 18px; }
.section--navy .lede { color: rgba(255, 255, 255, 0.78); }

.section-head { margin-bottom: 48px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 24px;
  border-radius: 6px;
  border: 1.5px solid transparent;
  font: 600 0.98rem/1 var(--sans);
  text-decoration: none;
  cursor: pointer;
  transition: background 0.15s, color 0.15s, border-color 0.15s, transform 0.15s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn--gold { background: var(--gold); color: #fff; }
.btn--gold:hover { background: #937542; }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-soft); }
.btn--ghost { border-color: rgba(255, 255, 255, 0.45); color: #fff; }
.btn--ghost:hover { border-color: #fff; background: rgba(255, 255, 255, 0.08); }
.btn--outline { border-color: var(--navy); color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: #fff; }
.btn--sm { padding: 10px 16px; font-size: 0.9rem; }

:focus-visible { outline: 3px solid var(--gold-bright); outline-offset: 2px; }

/* Top strip */
.strip {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.86);
  font-size: 0.84rem;
}
.strip .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  min-height: 38px;
}
.strip strong { color: var(--gold-bright); font-weight: 600; letter-spacing: 0.04em; }
.strip a { text-decoration: none; }
.strip a:hover { text-decoration: underline; }

/* Header */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 74px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}
.brand svg { width: 46px; height: auto; flex: none; }
.brand-name {
  font-family: var(--serif);
  font-size: 1.32rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  line-height: 1;
}
.brand-name span { color: var(--gold); }
.brand-tag {
  display: block;
  font: 600 0.62rem/1 var(--sans);
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: 6px;
}
.logo-a { fill: var(--navy); }
.logo-b { fill: var(--gold); }
.on-dark .logo-a { fill: #fff; }
.on-dark .logo-b { fill: var(--gold-bright); }

.nav { display: flex; align-items: center; gap: 24px; }
.brand-name { white-space: nowrap; }
.compare thead td { background: var(--cream); border-bottom: 1px solid var(--line); }
.nav a:not(.btn) {
  white-space: nowrap;
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--ink);
}
.nav a:not(.btn):hover,
.nav a[aria-current="page"] { color: var(--gold); }
.nav-toggle {
  display: none;
  background: none;
  border: 1.5px solid var(--line);
  border-radius: 6px;
  padding: 9px 11px;
  cursor: pointer;
}
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--navy); margin: 4px 0; }

/* Hero */
.hero {
  position: relative;
  background: var(--navy);
  color: #fff;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(115deg, transparent 0 58%, rgba(165, 133, 79, 0.16) 58% 70%, transparent 70%),
    linear-gradient(115deg, transparent 0 74%, rgba(255, 255, 255, 0.04) 74% 86%, transparent 86%);
  pointer-events: none;
}
.hero .wrap {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: center;
  padding-top: 92px;
  padding-bottom: 100px;
}
.hero h1 em { font-style: normal; color: var(--gold-bright); }
.hero p.sub { font-size: 1.18rem; color: rgba(255, 255, 255, 0.82); max-width: 54ch; margin-top: 24px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

.hero-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--line-dark);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 30px 28px;
}
.hero-card h2 { font-size: 1.3rem; margin-bottom: 18px; }
.checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.checks li {
  position: relative;
  padding-left: 32px;
  font-size: 0.99rem;
  color: rgba(255, 255, 255, 0.9);
}
.checks li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 3px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.4l3 3 6-6.6' fill='none' stroke='%23fff' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/20px no-repeat;
}
.checks--light li { color: var(--ink); }
.checks strong { color: var(--gold-bright); font-weight: 600; }
.chips-label {
  font: 700 0.72rem/1 var(--sans);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-bright);
  margin: 26px 0 12px;
  padding-top: 22px;
  border-top: 1px solid var(--line-dark);
}
.chips { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.chips li {
  padding: 6px 12px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 999px;
  font-size: 0.86rem;
  color: rgba(255, 255, 255, 0.92);
}

/* Direct vs broker */
.compare {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.compare th,
.compare td { padding: 18px 22px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.compare tr:last-child td,
.compare tr:last-child th { border-bottom: 0; }
.compare thead th {
  font: 700 0.76rem/1.3 var(--sans);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  background: var(--cream);
}
.compare thead th.us { background: var(--navy); color: var(--gold-bright); }
.compare tbody th { font-weight: 600; width: 26%; color: var(--navy); }
.compare td.us { background: #fbf8f1; font-weight: 500; }
.compare td.them { color: var(--muted); }
.table-scroll { overflow-x: auto; }

/* Cards */
.grid { display: grid; gap: 22px; }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 26px;
}
.section--paper .card { background: var(--cream); }
.card p { color: var(--muted); font-size: 0.98rem; margin-top: 10px; }
.card .num {
  font: 700 0.8rem/1 var(--sans);
  letter-spacing: 0.14em;
  color: var(--gold);
  margin-bottom: 16px;
}

/* Steps */
.steps { counter-reset: step; }
.step { position: relative; padding-top: 22px; border-top: 2px solid var(--gold); }
.step::before {
  counter-increment: step;
  content: "0" counter(step);
  display: block;
  font: 600 2.4rem/1 var(--serif);
  color: var(--gold-bright);
  margin-bottom: 14px;
}
.step p { color: rgba(255, 255, 255, 0.78); margin-top: 10px; font-size: 0.98rem; }
.step-list { margin: 10px 0 0; padding-left: 1.3em; color: rgba(255, 255, 255, 0.78); font-size: 0.98rem; display: grid; gap: 4px; }
.step-list li::marker { color: var(--gold-bright); font-weight: 600; }
.step p.step-time {
  margin-top: 16px;
  font-size: 0.84rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold-bright);
}

/* ISO band */
.iso-band {
  background: var(--gold-pale);
  border-top: 1px solid #e0d2b4;
  border-bottom: 1px solid #e0d2b4;
}
.iso-band .wrap {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: center;
}
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 14px;
  border-radius: 999px;
  background: var(--navy);
  color: #fff;
  font: 600 0.78rem/1 var(--sans);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.pill::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #6fcf97;
  box-shadow: 0 0 0 4px rgba(111, 207, 151, 0.25);
}
.iso-band .actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

/* Page hero (inner pages) */
.page-hero { background: var(--navy); color: #fff; padding: 76px 0 80px; position: relative; overflow: hidden; }
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, transparent 0 66%, rgba(165, 133, 79, 0.16) 66% 78%, transparent 78%);
  pointer-events: none;
}
.page-hero .wrap { position: relative; }
.page-hero h1 { font-size: clamp(2.2rem, 4.6vw, 3.4rem); max-width: 18ch; }
.page-hero .lede { color: rgba(255, 255, 255, 0.8); }
.page-hero .pill { background: rgba(255, 255, 255, 0.1); border: 1px solid var(--line-dark); }

/* Forms */
.form-layout { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 56px; align-items: start; }
.form-aside h2 { margin-bottom: 4px; }
.form-aside .checks { margin-top: 28px; }
.contact-list { list-style: none; margin: 30px 0 0; padding: 24px 0 0; border-top: 1px solid var(--line); display: grid; gap: 14px; }
.contact-list span {
  display: block;
  font: 700 0.72rem/1 var(--sans);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 6px;
}
.contact-list a { font-weight: 600; color: var(--navy); text-decoration: none; }
.contact-list a:hover { color: var(--gold); }

.form {
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 34px 32px;
}
.section--paper .form { background: var(--cream); }
.form fieldset { border: 0; margin: 0 0 28px; padding: 0; }
.form legend {
  font: 600 1.15rem/1.2 var(--serif);
  color: var(--navy);
  padding: 0;
  margin-bottom: 16px;
}
.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.field { display: grid; gap: 6px; min-width: 0; }
.field--full { grid-column: 1 / -1; }
.field label,
.field .label { font-size: 0.86rem; font-weight: 600; color: var(--ink); }
.req { color: #a23b3b; }
.field input,
.field select,
.field textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  color: var(--ink);
  background: #fff;
  border: 1.5px solid #cfc8b8;
  border-radius: 6px;
  padding: 11px 12px;
}
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus,
.field select:focus,
.field textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(165, 133, 79, 0.22); }
.options { display: flex; flex-wrap: wrap; gap: 10px 20px; }
.check { display: inline-flex; align-items: flex-start; gap: 9px; font-size: 0.95rem; cursor: pointer; }
.check input { width: 18px; height: 18px; margin: 3px 0 0; accent-color: var(--navy); flex: none; }
.form-foot { display: flex; flex-wrap: wrap; align-items: center; gap: 16px; margin-top: 22px; }
.form-note { font-size: 0.84rem; color: var(--muted); }
.hp { position: absolute; left: -9999px; }
.form-status {
  display: none;
  margin-top: 20px;
  padding: 14px 16px;
  border-radius: 6px;
  font-size: 0.95rem;
  background: #e9f3ed;
  border: 1px solid #bcd9c8;
  color: var(--ok);
}
.form-status.is-visible { display: block; }

/* Footer */
.footer { background: var(--navy-deep); color: rgba(255, 255, 255, 0.76); font-size: 0.93rem; padding: 64px 0 30px; }
.footer .cols { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 44px; }
.footer .brand { color: #fff; }
.footer .brand-tag { color: rgba(255, 255, 255, 0.6); }
.footer h3 {
  font: 700 0.74rem/1 var(--sans);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-bright);
  margin-bottom: 16px;
}
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer a { text-decoration: none; }
.footer a:hover { color: #fff; text-decoration: underline; }
.footer .about { margin-top: 18px; max-width: 40ch; }
.legal {
  margin-top: 44px;
  padding-top: 24px;
  border-top: 1px solid var(--line-dark);
  font-size: 0.8rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.56);
  display: grid;
  gap: 12px;
}

/* Responsive */
@media (max-width: 980px) {
  .section { padding: 68px 0; }
  .hero .wrap { grid-template-columns: 1fr; gap: 40px; padding-top: 64px; padding-bottom: 72px; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: 1fr; }
  .iso-band .wrap,
  .form-layout { grid-template-columns: 1fr; gap: 36px; }
  .footer .cols { grid-template-columns: 1fr 1fr; }
  .footer .cols > :first-child { grid-column: 1 / -1; }
}

@media (max-width: 1080px) {
  .nav-toggle { display: block; }
  .nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    padding: 8px 24px 20px;
  }
  .nav.is-open { display: flex; }
  .nav a:not(.btn) { padding: 13px 0; border-bottom: 1px solid var(--line); }
  .nav .btn { margin-top: 14px; }
}

@media (max-width: 620px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .strip .wrap { justify-content: center; }
  .strip .strip-phone { display: none; }
  .grid--4,
  .grid--2,
  .fields { grid-template-columns: 1fr; }
  .form { padding: 26px 18px; }
  .compare th,
  .compare td { padding: 14px 14px; font-size: 0.93rem; }
  .footer .cols { grid-template-columns: 1fr; }
  .brand-tag { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
}

/* Keep anchored sections clear of the sticky header */
section[id] { scroll-margin-top: 76px; }

.lede-link { color: var(--navy); font-weight: 600; text-decoration: underline; text-decoration-color: var(--gold); text-underline-offset: 3px; overflow-wrap: anywhere; }
.lede-link:hover { color: var(--gold); }