:root {
    --red: #c0392b;
    --dark-red: #96281b;
    --navy: #1a2a4a;
    --gold: #d4a017;
    --light-gold: #f5e6b3;
    --gray: #f4f4f4;
    --text: #2c2c2c;
    --white: #ffffff;
  }

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

  body {
    font-family: 'Lato',"Lato Fallback", sans-serif;
    color: var(--text);
    background: #fff;
  }

  /* TOP BANNER */
  .top-banner {
    background: var(--navy);
    color: #fff;
    text-align: center;
    padding: 10px 20px;
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.5px;
  }

  .top-banner span {
    color: var(--gold);
  }

  /* HEADER / NAV */
  header {
    background: #fff;
    border-bottom: 3px solid var(--red);
    padding: 14px 40px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 12px rgba(0,0,0,0.08);
  }

  .logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
  }

  .logo-icon {
    width: 52px;
    height: 52px;
    background: var(--red);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .logo-icon svg {
    width: 28px;
    height: 28px;
    fill: #fff;
  }

  .logo-text {
    line-height: 1.1;
  }

  .logo-text .brand {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--navy);
  }

  .logo-text .tagline {
    font-size: 0.65rem;
    color: #777;
    letter-spacing: 1px;
    text-transform: uppercase;
  }

  nav {
    display: flex;
    gap: 28px;
    align-items: center;
  }

  nav a {
    text-decoration: none;
    color: var(--navy);
    font-size: 0.88rem;
    font-weight: 700;
    letter-spacing: 0.3px;
    transition: color 0.2s;
  }

  nav a:hover { color: var(--red); }

  .btn-join {
    background: var(--red);
    color: #fff !important;
    padding: 9px 20px;
    border-radius: 4px;
    font-size: 0.82rem !important;
    transition: background 0.2s !important;
  }

  .btn-join:hover { background: var(--dark-red) !important; color: #fff !important; }

  /* HERO SECTION */
  .hero-section {
    position: relative;
    min-height: 480px;
    display: flex;
    align-items: stretch;
    overflow: hidden;
  }

  .hero-left {
    width: 55%;
    position: relative;
    overflow: hidden;
  }

  .hero-left img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: top center;
  }

  .hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to right, rgba(26,42,74,0.55) 0%, transparent 100%);
  }

  .hero-right {
    width: 45%;
    background: var(--navy);
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 50px 48px;
    position: relative;
  }

  .hero-right::before {
    content: '';
    position: absolute;
    left: -30px;
    top: 0;
    bottom: 0;
    width: 60px;
    background: var(--navy);
    clip-path: polygon(50% 0, 100% 0, 100% 100%, 50% 100%);
  }

  .hero-badge {
    background: var(--red);
    color: #fff;
    font-size: 0.72rem;
    font-weight: 900;
    letter-spacing: 2px;
    text-transform: uppercase;
    padding: 5px 14px;
    display: inline-block;
    margin-bottom: 14px;
    border-radius: 2px;
  }

  .hero-right h1 {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 2.6rem;
    color: #fff;
    line-height: 1.1;
    margin-bottom: 8px;
  }

  .hero-license {
    color: var(--gold);
    font-size: 0.82rem;
    font-weight: 700;
    letter-spacing: 1px;
    margin-bottom: 18px;
  }

  .hero-desc {
    color: rgba(255,255,255,0.85);
    font-size: 0.93rem;
    line-height: 1.65;
    margin-bottom: 28px;
  }

  .hero-stats {
    display: flex;
    gap: 20px;
    margin-bottom: 28px;
  }

  .stat {
    text-align: center;
    padding: 12px 16px;
    background: rgba(255,255,255,0.08);
    border-radius: 6px;
    border-top: 3px solid var(--gold);
  }

  .stat-num {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 1.5rem;
    color: var(--gold);
    font-weight: 700;
  }

  .stat-label {
    font-size: 0.68rem;
    color: rgba(255,255,255,0.7);
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-top: 2px;
  }

  .btn-primary {
    display: inline-block;
    background: var(--red);
    color: #fff;
    padding: 14px 32px;
    text-decoration: none;
    font-weight: 900;
    font-size: 0.9rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    border-radius: 4px;
    transition: background 0.2s, transform 0.1s;
    align-self: flex-start;
  }

  .btn-primary:hover {
    background: var(--dark-red);
    transform: translateY(-1px);
  }

  /* WHO WE SERVE */
  .serve-bar {
    background: var(--red);
    display: flex;
    justify-content: center;
    gap: 0;
    padding: 0;
    overflow: hidden;
  }

  .serve-item {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: 18px 10px;
    border-right: 1px solid rgba(255,255,255,0.2);
    color: #fff;
    transition: background 0.2s;
  }

  .serve-item:last-child { border-right: none; }
  .serve-item:hover { background: var(--dark-red); }

  .serve-item .icon {
    font-size: 1.6rem;
    margin-bottom: 5px;
  }

  .serve-item span {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    text-align: center;
  }

  /* TESTIMONIAL STRIP */
  .testimonial-strip {
    background: var(--light-gold);
    padding: 28px 60px;
    text-align: center;
    border-top: 4px solid var(--gold);
    border-bottom: 4px solid var(--gold);
  }

  .testimonial-strip blockquote {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 1.15rem;
    color: var(--navy);
    font-style: italic;
    max-width: 720px;
    margin: 0 auto 10px;
    line-height: 1.6;
  }

  .testimonial-strip cite {
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--red);
    letter-spacing: 0.5px;
    text-transform: uppercase;
    font-style: normal;
  }

  /* SAVINGS SECTION */
  .savings-section {
    background: #fff;
    padding: 70px 60px;
    display: flex;
    align-items: center;
    gap: 60px;
    max-width: 1100px;
    margin: 0 auto;
  }

  .savings-text {
    flex: 1;
  }

  .section-label {
    color: var(--red);
    font-size: 0.75rem;
    font-weight: 900;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    margin-bottom: 10px;
  }

  .savings-text h2 {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 2rem;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 18px;
  }

  .savings-text p {
    font-size: 0.95rem;
    line-height: 1.7;
    color: #555;
    margin-bottom: 24px;
  }

  .savings-highlight {
    background: var(--navy);
    color: #fff;
    border-radius: 8px;
    padding: 20px 28px;
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 28px;
  }

  .savings-amount {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 2.4rem;
    color: var(--gold);
    font-weight: 700;
  }

  .savings-note {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.8);
    line-height: 1.5;
  }

  /* SAVINGS CALCULATOR */
  .calc-card {
    flex: 0 0 340px;
    background: var(--navy);
    border-radius: 10px;
    padding: 32px;
    box-shadow: 0 8px 40px rgba(26,42,74,0.2);
  }

  .calc-card h3 {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    color: #fff;
    font-size: 1.2rem;
    margin-bottom: 6px;
  }

  .calc-card p {
    color: rgba(255,255,255,0.65);
    font-size: 0.8rem;
    margin-bottom: 24px;
  }

  .calc-label {
    color: rgba(255,255,255,0.7);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
  }

  .price-display {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    color: var(--gold);
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 10px;
  }

  input[type=range] {
    -webkit-appearance: none;
    width: 100%;
    height: 5px;
    background: rgba(255,255,255,0.2);
    border-radius: 5px;
    outline: none;
    margin-bottom: 24px;
  }

  input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    background: var(--red);
    border-radius: 50%;
    cursor: pointer;
    border: 3px solid #fff;
  }

  .savings-result {
    background: rgba(255,255,255,0.08);
    border-radius: 6px;
    padding: 16px;
    text-align: center;
    margin-bottom: 18px;
    border-top: 3px solid var(--gold);
  }

  .result-label {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.6);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 4px;
  }

  .result-amount {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 2rem;
    color: var(--gold);
    font-weight: 700;
  }

  .btn-calc {
    display: block;
    width: 100%;
    background: var(--red);
    color: #fff;
    border: none;
    padding: 13px;
    font-family: 'Lato',"Lato Fallback", sans-serif;
    font-weight: 900;
    font-size: 0.85rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    border-radius: 4px;
    cursor: pointer;
    transition: background 0.2s;
    text-align: center;
    text-decoration: none;
  }

  .btn-calc:hover { background: var(--dark-red); }

  /* PROCESS SECTION */
  .process-section {
    background: var(--gray);
    padding: 70px 60px;
  }

  .process-section .section-label,
  .process-section h2 {
    text-align: center;
  }

  .process-section h2 {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 2rem;
    color: var(--navy);
    margin-bottom: 50px;
  }

  .steps {
    display: flex;
    gap: 24px;
    max-width: 960px;
    margin: 0 auto;
  }

  .step {
    flex: 1;
    background: #fff;
    border-radius: 8px;
    padding: 32px 24px;
    text-align: center;
    position: relative;
    box-shadow: 0 4px 20px rgba(0,0,0,0.06);
    border-top: 4px solid var(--red);
    transition: transform 0.2s;
  }

  .step:hover { transform: translateY(-4px); }

  .step-num {
    width: 44px;
    height: 44px;
    background: var(--red);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 1.2rem;
    font-weight: 700;
    margin: 0 auto 16px;
  }

  .step h3 {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    color: var(--navy);
    font-size: 1.1rem;
    margin-bottom: 10px;
    line-height: 1.3;
  }

  .step p {
    font-size: 0.87rem;
    color: #666;
    line-height: 1.6;
  }

  /* REGISTER FORM */
  .register-section {
    background: var(--navy);
    padding: 70px 60px;
  }

  .register-inner {
    max-width: 680px;
    margin: 0 auto;
  }

  .register-inner .section-label {
    color: var(--gold);
  }

  .register-inner h2 {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 2rem;
    color: #fff;
    margin-bottom: 10px;
  }

  .register-inner > p {
    color: rgba(255,255,255,0.7);
    font-size: 0.9rem;
    margin-bottom: 36px;
    line-height: 1.6;
  }

  .form-row {
    display: flex;
    gap: 16px;
    margin-bottom: 16px;
  }

  .form-group {
    flex: 1;
    display: flex;
    flex-direction: column;
  }

  .form-group label {
    color: rgba(255,255,255,0.7);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    margin-bottom: 6px;
  }

  .form-group input,
  .form-group select {
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 4px;
    padding: 12px 14px;
    color: #fff;
    font-family: 'Lato',"Lato Fallback", sans-serif;
    font-size: 0.9rem;
    outline: none;
    transition: border-color 0.2s;
  }

  .form-group input::placeholder { color: rgba(255,255,255,0.35); }

  .form-group input:focus,
  .form-group select:focus {
    border-color: var(--gold);
  }

  .form-group select option { background: var(--navy); color: #fff; }

  .interest-group {
    margin-bottom: 16px;
  }

  .interest-group label {
    color: rgba(255,255,255,0.7);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    display: block;
    margin-bottom: 10px;
  }

  .interest-options {
    display: flex;
    gap: 10px;
  }

  .interest-btn {
    flex: 1;
    background: rgba(255,255,255,0.08);
    border: 2px solid rgba(255,255,255,0.15);
    color: rgba(255,255,255,0.7);
    padding: 10px;
    text-align: center;
    font-family: 'Lato',"Lato Fallback", sans-serif;
    font-size: 0.85rem;
    font-weight: 700;
    border-radius: 4px;
    cursor: pointer;
    transition: all 0.2s;
  }

  .interest-btn.active,
  .interest-btn:hover {
    background: var(--red);
    border-color: var(--red);
    color: #fff;
  }

  .checkbox-group {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 16px;
  }

  .checkbox-group input[type=checkbox] {
    margin-top: 2px;
    accent-color: var(--red);
    width: 16px;
    height: 16px;
    flex-shrink: 0;
  }

  .checkbox-group label {
    color: rgba(255,255,255,0.6);
    font-size: 0.78rem;
    line-height: 1.5;
  }

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

  .btn-submit {
    width: 100%;
    background: var(--red);
    color: #fff;
    border: none;
    padding: 16px;
    font-family: 'Lato',"Lato Fallback", sans-serif;
    font-size: 0.95rem;
    font-weight: 900;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    border-radius: 4px;
    cursor: pointer;
    margin-top: 6px;
    transition: background 0.2s;
  }

  .btn-submit:hover { background: var(--dark-red); }

  /* FOOTER */
  footer {
    background: #111;
    color: rgba(255,255,255,0.5);
    padding: 40px 60px 24px;
  }

  .footer-top {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding-bottom: 28px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    margin-bottom: 20px;
    gap: 40px;
  }

  .footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
  }

  .footer-logo .logo-icon {
    width: 40px;
    height: 40px;
  }

  .footer-logo .brand {
    font-family: 'Playfair Display',"Playfair Display Fallback", serif;
    font-size: 1.1rem;
    color: #fff;
  }

  .footer-links {
    display: flex;
    gap: 40px;
  }

  .footer-col h4 {
    color: #fff;
    font-size: 0.78rem;
    font-weight: 900;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 12px;
  }

  .footer-col a {
    display: block;
    color: rgba(255,255,255,0.5);
    text-decoration: none;
    font-size: 0.82rem;
    margin-bottom: 7px;
    transition: color 0.2s;
  }

  .footer-col a:hover { color: var(--gold); }

  .footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.75rem;
  }

  .footer-legal {
    font-size: 0.72rem;
    line-height: 1.5;
    max-width: 600px;
    margin-top: 16px;
    color: rgba(255,255,255,0.3);
  }

  .social-links {
    display: flex;
    gap: 12px;
  }

  .social-links a {
    width: 34px;
    height: 34px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    color: #fff;
    font-size: 0.85rem;
    transition: background 0.2s;
  }

  .social-links a:hover { background: var(--red); }

  @media (max-width: 768px) {
    .hero-section { flex-direction: column; }
    .hero-left, .hero-right { width: 100%; }
    .hero-right { padding: 36px 24px; }
    .hero-right::before { display: none; }
    .savings-section { flex-direction: column; padding: 40px 24px; }
    .calc-card { flex: none; width: 100%; }
    .steps { flex-direction: column; }
    .form-row { flex-direction: column; }
    header { padding: 12px 20px; }
    nav { display: none; }
    .footer-top { flex-direction: column; }
    .footer-links { flex-wrap: wrap; gap: 24px; }
    .serve-bar { flex-wrap: wrap; }
    .register-section { padding: 40px 24px; }
    .hero-stats { flex-wrap: wrap; }
  }