:root {
  --navy: #16163f;
  --navy-deep: #211f40;
  --gold: #d3b574;
  --text-muted: #4a4a4a;
  --text-soft: #bfbfbf;
  --step-border: #6c6b7d;
  --white: #ffffff;
  --font-heading: "Merriweather", Georgia, serif;
  --font-body: "Montserrat", system-ui, sans-serif;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--navy);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  display: block;
}

h1,
h2,
h3,
h4,
p {
  margin: 0;
}

a {
  text-decoration: none;
  color: inherit;
}

.container {
  width: min(1200px, calc(100% - 30px));
  margin-inline: auto;
}

.section {
  padding: 80px 0;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 28px;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 400;
  text-transform: capitalize;
  border: none;
  border-radius: 0;
  transition: background 0.25s ease, transform 0.25s ease;
}

.btn:hover,
.btn:focus-visible {
  background: var(--white);
}

.btn__arrow {
  font-size: 1.1em;
  line-height: 1;
  transition: transform 0.25s ease;
}

.btn:hover .btn__arrow {
  transform: translateX(4px);
}

/* Hero */
.hero {
  position: relative;
  min-height: 720px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  color: var(--white);
  text-align: center;
}

.hero__bg {
  position: absolute;
  inset: 0;
  background: url("assets/hero.png") center / cover no-repeat fixed;
  transform: scale(1.02);
  animation: heroDrift 18s ease-in-out infinite alternate;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background: var(--navy);
  opacity: 0.8;
}

.hero__content {
  position: relative;
  z-index: 1;
  padding: 40px 20px 120px;
  animation: fadeUp 1s ease both;
}

.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(45px, 6vw, 75px);
  font-weight: 100;
  text-transform: capitalize;
  line-height: 1.2;
  letter-spacing: 0.01em;
}

.hero p {
  margin-top: 18px;
  font-size: 16px;
  font-weight: 200;
  color: var(--white);
}

/* Stats */
.stats-wrap {
  position: relative;
  z-index: 2;
  margin-top: -90px;
  margin-bottom: 40px;
}

.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  background: var(--white);
  border-bottom: 4px solid var(--gold);
  box-shadow: 0 0 30px rgba(0, 0, 0, 0.15);
  padding: 50px 20px 45px;
  text-align: center;
}

.stat__number {
  color: var(--navy);
  font-family: var(--font-body);
  font-size: clamp(34px, 4vw, 45px);
  font-weight: 700;
  line-height: 1.1;
}

.stat__label {
  margin-top: 8px;
  color: var(--text-muted);
  font-size: 18px;
  font-weight: 300;
  text-transform: capitalize;
}

/* Statistic section */
.statistic {
  padding-top: 40px;
  padding-bottom: 100px;
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}

.statistic h4,
.how h4,
.faq h4 {
  color: var(--text-muted);
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 300;
  text-transform: capitalize;
  margin-bottom: 12px;
}

.statistic h2 {
  color: var(--navy);
  font-family: var(--font-heading);
  font-size: clamp(38px, 4.5vw, 50px);
  font-weight: 300;
  text-transform: capitalize;
  line-height: 1.4;
  padding-left: 30px;
  border-left: 4px solid var(--gold);
}

.statistic__body p {
  color: var(--text-muted);
  font-size: 16px;
  font-weight: 200;
  line-height: 1.8;
}

.statistic__body strong {
  font-weight: 600;
  color: var(--navy);
}

/* How it works */
.how {
  background: var(--navy);
  color: var(--white);
  padding: 90px 0 100px;
}

.how__grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 50px;
  align-items: center;
  min-height: 700px;
}

.how h4 {
  color: var(--white);
}

.how h2 {
  font-family: var(--font-heading);
  font-size: clamp(36px, 4vw, 50px);
  font-weight: 300;
  text-transform: capitalize;
  line-height: 1.4;
  letter-spacing: 1.2px;
  margin-bottom: 15px;
}

.how__intro p {
  font-size: 16px;
  font-weight: 200;
  margin-bottom: 50px;
  max-width: 420px;
}

.how__steps {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.step {
  background: var(--white);
  border-top: 4px solid var(--step-border);
  box-shadow: 0 0 20px rgba(0, 0, 0, 0.25);
  padding: 36px 28px;
  min-height: 220px;
  transition: border-color 0.25s ease, transform 0.35s ease;
  animation: fadeUp 0.8s ease both;
}

.step:nth-child(2) { animation-delay: 0.1s; }
.step:nth-child(3) { animation-delay: 0.2s; }
.step:nth-child(4) { animation-delay: 0.3s; }

.step:hover {
  border-top-color: var(--gold);
  transform: translateY(-4px);
}

.step h3 {
  color: var(--navy);
  font-family: var(--font-body);
  font-size: 20px;
  font-weight: 600;
  text-transform: capitalize;
  text-align: center;
  margin-bottom: 14px;
}

.step p {
  color: var(--text-muted);
  font-size: 15px;
  font-weight: 300;
  text-align: center;
  line-height: 1.65;
}

/* FAQ */
.faq {
  padding-top: 100px;
  padding-bottom: 100px;
}

.faq__inner {
  text-align: center;
}

.faq h2 {
  color: var(--navy);
  font-family: var(--font-heading);
  font-size: clamp(34px, 4vw, 50px);
  font-weight: 300;
  text-transform: capitalize;
  line-height: 1.2;
  margin-bottom: 40px;
}

.accordion {
  text-align: left;
  max-width: 1000px;
  margin: 0 auto;
}

.accordion__item {
  box-shadow: 0 0 30px rgba(0, 0, 0, 0.12);
  margin-bottom: 32px;
  background: var(--white);
}

.accordion__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 30px;
  border: 0;
  background: transparent;
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 900;
  text-transform: uppercase;
  color: #000;
  text-align: left;
}

.accordion__icon {
  font-size: 28px;
  line-height: 1;
  color: #000;
  transition: transform 0.25s ease, color 0.25s ease;
}

.accordion__item.is-open .accordion__icon {
  transform: rotate(90deg);
  color: #00ce1b;
}

.accordion__panel {
  padding: 0 35px 25px;
}

.accordion__panel p {
  color: var(--text-soft);
  font-size: 16px;
  font-weight: 300;
  line-height: 1.8;
}

/* Protection band */
.protection {
  position: relative;
  min-height: 550px;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  overflow: hidden;
  color: var(--white);
  text-align: center;
}

.protection__bg {
  position: absolute;
  inset: 0;
  background: url("assets/cta-home.png") center / cover no-repeat fixed;
}

.protection__overlay {
  position: absolute;
  inset: 0;
  background: var(--navy);
  opacity: 0.75;
}

.protection__content {
  position: relative;
  z-index: 1;
  width: min(581px, calc(100% - 30px));
  padding: 90px 15px;
  animation: fadeUp 0.9s ease both;
}

.protection h2 {
  font-family: var(--font-heading);
  font-size: clamp(40px, 4vw, 50px);
  font-weight: 100;
  text-transform: capitalize;
  line-height: 1.4;
  margin-bottom: 20px;
}

.protection p {
  font-size: 16px;
  font-weight: 200;
}

/* Fee cards */
.fees {
  padding-top: 80px;
  padding-bottom: 40px;
}

.fees__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}

.fee-card {
  background: var(--white);
  border-left: 4px solid var(--gold);
  box-shadow: 0 0 30px rgba(0, 0, 0, 0.1);
  padding: 50px 70px;
}

.fee-card h2 {
  color: var(--navy-deep);
  font-family: var(--font-body);
  font-size: clamp(45px, 4vw, 50px);
  font-weight: 700;
  line-height: 1;
  margin-bottom: 16px;
}

.fee-card h3 {
  color: var(--text-muted);
  font-family: var(--font-body);
  font-size: 20px;
  font-weight: 400;
  text-transform: capitalize;
  line-height: 1.4;
  margin-bottom: 16px;
  max-width: 90%;
}

.fee-card p {
  color: var(--text-muted);
  font-size: 16px;
  font-weight: 200;
  line-height: 1.7;
}

/* Final CTA */
.final-cta {
  padding-top: 80px;
  padding-bottom: 120px;
}

.final-cta__box {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  box-shadow: 0 0 30px rgba(0, 0, 0, 0.15);
  padding: 100px 250px;
}

.final-cta h2 {
  font-family: var(--font-heading);
  font-size: clamp(34px, 4vw, 55px);
  font-weight: 100;
  text-transform: capitalize;
  line-height: 1.4;
}

.final-cta p {
  margin: 30px 0 0;
  font-size: 16px;
  font-weight: 200;
  line-height: 1.8;
}

.final-cta .btn {
  margin-top: 50px;
}

/* Motion */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes heroDrift {
  from {
    transform: scale(1.02) translateY(0);
  }
  to {
    transform: scale(1.06) translateY(-12px);
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
  }

  .hero__bg,
  .protection__bg {
    background-attachment: scroll;
  }
}

/* Responsive */
@media (max-width: 1024px) {
  .hero {
    min-height: 550px;
  }

  .hero__bg,
  .protection__bg {
    background-attachment: scroll;
  }

  .how__grid {
    grid-template-columns: 1fr;
    min-height: 0;
    gap: 48px;
  }

  .how__intro {
    text-align: center;
  }

  .how__intro p {
    margin-inline: auto;
  }

  .final-cta__box {
    padding: 80px;
  }

  .fee-card {
    padding: 35px 22px;
  }
}

@media (max-width: 767px) {
  .stats {
    grid-template-columns: 1fr 1fr;
    padding: 35px 15px;
    margin-inline: 15px;
  }

  .stats-wrap .container {
    width: 100%;
  }

  .stat__label {
    font-size: 15px;
  }

  .grid-2,
  .how__steps,
  .fees__grid {
    grid-template-columns: 1fr;
  }

  .statistic h2 {
    font-size: 38px;
  }

  .how__intro p {
    margin-bottom: 30px;
  }

  .final-cta__box {
    padding: 50px 30px;
  }

  .accordion__trigger {
    padding: 22px 20px;
    font-size: 14px;
  }

  .protection__content {
    padding: 70px 15px;
  }
}