:root {
  --bg: #080604;
  --panel: #15110b;
  --panel2: #21170d;
  --text: #f1e4c6;
  --muted: #d3c2a2;
  --gold: #d59a2e;
  --gold2: #f0c165;
  --line: rgba(213,154,46,.55);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: radial-gradient(circle at top, #21170d 0%, #0b0805 45%, #020202 100%);
  color: var(--text);
  font-family: Georgia, 'Times New Roman', serif;
  line-height: 1.6;
}
body:before {
  content:"";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.018) 1px, transparent 1px);
  background-size: 24px 24px;
  opacity: .35;
}
a { color: var(--text); text-decoration: none; }
.topbar {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: .85rem 1.5rem;
  background: rgba(5,4,3,.93);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(8px);
  font-family: Arial, sans-serif;
  text-transform: uppercase;
  font-size: .86rem;
  letter-spacing: .08em;
}
nav, .top-contact { display: flex; flex-wrap: wrap; gap: 1.2rem; align-items: center; }
nav a:first-child { color: var(--gold2); border-bottom: 2px solid var(--gold); }
.top-contact { text-transform: none; letter-spacing: 0; }
.top-contact a { color: var(--gold2); }
.hero {
  min-height: 640px;
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  align-items: center;
  gap: 2rem;
  padding: 3.5rem 5vw;
  border-bottom: 2px solid var(--line);
  background:
    radial-gradient(circle at 15% 40%, rgba(213,154,46,.18), transparent 24%),
    radial-gradient(circle at 88% 38%, rgba(213,154,46,.12), transparent 28%),
    linear-gradient(90deg, rgba(0,0,0,.35), rgba(0,0,0,.1));
}
.hero-logo img { width: min(100%, 820px); filter: drop-shadow(0 24px 30px rgba(0,0,0,.65)); }
h1, h2, h3 { margin-top: 0; color: var(--gold2); line-height: 1.08; text-transform: uppercase; letter-spacing: .055em; }
h1 { font-size: clamp(2.3rem, 5vw, 5.4rem); text-shadow: 0 3px 0 #231100, 0 8px 24px #000; }
h2 { font-size: clamp(1.6rem, 2.8vw, 2.65rem); }
h3 { font-size: 1.25rem; color: var(--gold); }
.hero-copy { max-width: 680px; }
.hero-copy p { font-size: 1.1rem; }
.gold { color: var(--gold2); font-size: 1.45rem !important; font-weight: bold; }
.ornament { width: 180px; height: 2px; background: linear-gradient(90deg, transparent, var(--gold), transparent); margin: 1.3rem 0; }
.button {
  display: inline-block;
  margin-top: 1.1rem;
  padding: .95rem 1.45rem;
  color: #140b03;
  background: linear-gradient(#f3ca6d, #a86f1d);
  border: 1px solid #f6d78c;
  box-shadow: inset 0 0 0 2px rgba(65,35,8,.45), 0 8px 24px rgba(0,0,0,.5);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .08em;
  border-radius: 5px;
  font-family: Georgia, 'Times New Roman', serif;
}
.button.secondary { background: linear-gradient(#312314, #17100a); color: var(--gold2); border-color: var(--line); }
.button.wide { display: block; text-align: center; margin: 0 0 1rem; }
.intro, .services, .contact { padding: 3rem 8vw; text-align: center; border-bottom: 1px solid var(--line); background: rgba(12,9,5,.65); }
.intro p { max-width: 920px; margin: .4rem auto; font-size: 1.16rem; }
.service-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  border: 1px solid rgba(213,154,46,.35);
  background: rgba(213,154,46,.35);
  margin: 2rem auto;
  max-width: 1120px;
}
.service-grid div {
  background: rgba(10,8,5,.9);
  padding: 1.25rem .8rem;
  color: var(--gold2);
  text-transform: uppercase;
  font-weight: bold;
  letter-spacing: .04em;
}
.loan-note {
  display: inline-block;
  border: 1px solid var(--line);
  padding: 1rem 1.4rem;
  background: rgba(0,0,0,.35);
}
.loan-note strong { color: var(--gold2); }
.columns {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-bottom: 1px solid var(--line);
}
.columns article {
  min-height: 420px;
  padding: 3rem 3vw;
  border-right: 1px solid var(--line);
  background: linear-gradient(135deg, rgba(30,22,14,.88), rgba(7,6,4,.9));
}
.columns article:last-child { border-right: none; }
li { margin-bottom: .55rem; }
ul { padding-left: 1.25rem; }
.checklist li::marker { color: var(--gold2); }
.contact {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 2rem;
  text-align: left;
  align-items: center;
}
.contact-card {
  padding: 1.5rem;
  border: 1px solid var(--line);
  background: rgba(0,0,0,.35);
  box-shadow: 0 16px 40px rgba(0,0,0,.38);
}
.email-link { display: block; text-align: center; color: var(--gold2); overflow-wrap: anywhere; }
footer {
  display: grid;
  grid-template-columns: 280px 1fr 1fr;
  gap: 2rem;
  align-items: center;
  padding: 2rem 5vw;
  background: #050403;
  border-top: 1px solid var(--line);
}
footer img { width: 260px; max-width: 100%; }
footer a { color: var(--gold2); }
.tagline { color: var(--gold2); text-transform: uppercase; letter-spacing: .12em; font-size: .85rem; }
@media (max-width: 900px) {
  .topbar { position: static; }
  .hero, .contact, footer { grid-template-columns: 1fr; text-align: center; }
  .hero { padding-top: 2rem; }
  .ornament { margin-left: auto; margin-right: auto; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .columns { grid-template-columns: 1fr; }
  .columns article { border-right: none; border-bottom: 1px solid var(--line); min-height: auto; }
}
@media (max-width: 560px) {
  .topbar, nav, .top-contact { justify-content: center; }
  .service-grid { grid-template-columns: 1fr; }
  .intro, .services, .contact { padding: 2.2rem 1.1rem; }
  h1 { font-size: 2.25rem; }
}