:root {
    --navy: #071f3c;
    --navy-2: #0c2d51;
    --red: #d81f2a;
    --red-dark: #b81620;
    --cream: #f6f4ef;
    --white: #ffffff;
    --ink: #172033;
    --muted: #657084;
    --line: #dfe4eb;
    --shadow: 0 18px 45px rgba(5, 25, 48, .15);
    --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    color: var(--ink);
    background: var(--white);
}
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }

.container {
    width: min(1180px, calc(100% - 36px));
    margin-inline: auto;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(255,255,255,.97);
    border-bottom: 1px solid rgba(0,0,0,.06);
    backdrop-filter: blur(12px);
}
.header-inner {
    min-height: 82px;
    display: flex;
    align-items: center;
    gap: 28px;
}
.brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: var(--navy);
}
.brand-mark {
    color: var(--red);
    font-size: 36px;
    line-height: 1;
}
.SB-logo {
    min-height: 220px;
    border-radius: 13px;
    display: grid;
    place-items: center;
    text-align: center;
    background:
        url('sblogo.jpg') center/cover no-repeat,
        linear-gradient(135deg, #d9e0e8, #aab6c3);
    color: rgba(7,31,60,.7);
    font-weight: 800;
}
.brand strong {
    display: block;
    letter-spacing: 2px;
    font-size: 18px;
}
.brand small {
    display: block;
    color: var(--red);
    letter-spacing: 1.1px;
    font-size: 10px;
    margin-top: 3px;
}
.site-nav {
    display: flex;
    gap: 22px;
    margin-left: auto;
}
.site-nav a {
    text-decoration: none;
    font-size: 14px;
    font-weight: 700;
}
.site-nav a:hover { color: var(--red); }
.header-cta {
    display: flex;
    align-items: center;
    gap: 16px;
}
.phone-link {
    text-decoration: none;
    font-weight: 800;
    color: var(--navy);
}
.menu-toggle {
    display: none;
    margin-left: auto;
    border: 0;
    background: transparent;
    font-size: 25px;
}

.button {
    border: 0;
    border-radius: 9px;
    padding: 13px 20px;
    font-weight: 800;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: .2s ease;
}
.button:hover { transform: translateY(-1px); }
.button-primary {
    color: var(--white);
    background: var(--red);
}
.button-primary:hover { background: var(--red-dark); }
.button-secondary {
    background: #e8edf4;
    color: var(--navy);
}
.button-outline {
    border: 1px solid var(--navy);
    color: var(--navy);
    background: transparent;
}
.button-outline-light {
    border: 1px solid rgba(255,255,255,.75);
    color: var(--white);
    background: transparent;
}
.button-wide { flex: 1; }

.hero {
    position: relative;
    overflow: hidden;
    background:
        linear-gradient(90deg, rgba(4,24,48,.9), rgba(4,24,48,.44)),
        url('hero.jpg') center/cover no-repeat,
        linear-gradient(135deg, #294d70, #9b765a);
    color: var(--white);
    min-height: 660px;
}
.hero-overlay {
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 20% 30%, rgba(255,255,255,.08), transparent 34%);
}
.hero-grid {
    position: relative;
    display: grid;
    grid-template-columns: 1.08fr .82fr;
    gap: 46px;
    align-items: center;
    padding-block: 70px;
}
.eyebrow {
    margin: 0 0 10px;
    color: var(--red);
    letter-spacing: 1.4px;
    font-size: 12px;
    font-weight: 900;
}
.hero-copy h1 {
    max-width: 690px;
    margin: 0;
    font-family: Georgia, 'Times New Roman', serif;
    font-size: clamp(42px, 5vw, 68px);
    line-height: 1.03;
}
.hero-copy h1 span { color: #ff303d; }
.hero-text {
    max-width: 650px;
    font-size: 18px;
    line-height: 1.65;
    color: rgba(255,255,255,.9);
}
.service-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin-top: 30px;
}
.service-card {
    border: 0;
    border-radius: 12px;
    background: var(--white);
    color: var(--ink);
    padding: 15px;
    text-align: left;
    display: flex;
    align-items: center;
    gap: 11px;
    box-shadow: var(--shadow);
}
.service-card:hover { transform: translateY(-2px); }
.service-icon {
    width: 44px;
    height: 44px;
    flex: 0 0 44px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    color: var(--white);
    background: var(--red);
    font-weight: 900;
    font-size: 20px;
}
.service-card strong, .service-card small { display: block; }
.service-card small { margin-top: 4px; color: var(--muted); font-size: 11px; }
.trust-line {
    margin-top: 24px;
    font-weight: 700;
}

.lead-panel {
    border-radius: var(--radius);
    background: var(--navy);
    padding: 30px;
    box-shadow: 0 24px 60px rgba(0,0,0,.3);
}
.lead-panel-header > p {
    margin: 0 0 20px;
    font-family: Georgia, serif;
    font-size: 28px;
    font-weight: 700;
    text-align: center;
}
.steps {
    display: flex;
    align-items: center;
    margin-bottom: 28px;
}
.step {
    width: 34px;
    height: 34px;
    border: 1px solid #7890a9;
    border-radius: 50%;
    display: grid;
    place-items: center;
    color: #d6e1ec;
}
.step.active {
    border-color: var(--red);
    background: var(--red);
    color: var(--white);
}
.steps i {
    height: 1px;
    flex: 1;
    background: #7890a9;
}
.form-step { display: none; }
.form-step.active { display: block; }
.form-step h2 { margin: 0 0 6px; font-size: 20px; }
.form-step > p { margin: 0 0 18px; color: #bdc9d6; }
.choice {
    display: flex;
    align-items: center;
    gap: 12px;
    border-radius: 8px;
    background: var(--white);
    color: var(--ink);
    padding: 14px;
    margin-bottom: 10px;
}
.choice input { accent-color: var(--red); }
.lead-panel label:not(.choice):not(.consent) {
    display: block;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 14px;
}
input, select, textarea {
    width: 100%;
    border: 1px solid #c9d2dc;
    border-radius: 8px;
    padding: 12px 13px;
    margin-top: 7px;
    background: var(--white);
    color: var(--ink);
}
textarea { resize: vertical; }
.two-column {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}
.consent {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    color: #d4dee8;
    font-size: 12px;
    line-height: 1.45;
}
.consent input {
    width: auto;
    margin-top: 2px;
}
.form-actions {
    display: flex;
    gap: 10px;
    margin-top: 20px;
}
.secure-note {
    margin: 16px 0 0;
    color: #c4d0dc;
    font-size: 11px;
    text-align: center;
}
.form-message {
    margin-top: 14px;
    font-size: 13px;
    font-weight: 700;
}
.form-message.error { color: #ff9ba2; }
.form-message.success { color: #7ee0ad; }
.honeypot {
    position: absolute !important;
    left: -9999px !important;
}

.trust-strip {
    padding: 26px 0;
    border-bottom: 1px solid var(--line);
}
.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}
.trust-grid article {
    display: flex;
    align-items: center;
    gap: 13px;
}
.trust-grid article > span {
    font-size: 32px;
    color: var(--red);
}
.trust-grid strong, .trust-grid small { display: block; }
.trust-grid small { color: var(--muted); margin-top: 4px; }

.how-section {
    padding: 76px 0;
    background: var(--navy);
    color: var(--white);
}
.how-grid {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 52px;
    align-items: center;
}
.how-section h2, .reviews-section h2, .finance-section h2 {
    font-family: Georgia, serif;
    font-size: 36px;
    margin: 0 0 28px;
}
.process-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}
.process-grid article > span {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--red);
    font-weight: 900;
}
.process-grid p { color: #c6d1dd; line-height: 1.55; }
.profile-card {
    background: var(--white);
    color: var(--ink);
    padding: 18px;
    border-radius: var(--radius);
}
.profile-photo {
    min-height: 220px;
    border-radius: 13px;
    display: grid;
    place-items: center;
    text-align: center;
    background:
        url('kyle-headshot.jpg') center/cover no-repeat,
        linear-gradient(135deg, #d9e0e8, #aab6c3);
    color: rgba(7,31,60,.7);
    font-weight: 800;
}


.profile-card h2 { margin: 18px 0 5px; font-size: 28px; }
.profile-role { color: var(--red); font-weight: 800; }

.reviews-section {
    padding: 76px 0;
}
.review-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
blockquote {
    margin: 0;
    padding: 24px;
    border: 1px solid var(--line);
    border-radius: 14px;
    box-shadow: 0 10px 30px rgba(9,35,64,.07);
    line-height: 1.6;
}
.stars { color: #f4b000; letter-spacing: 3px; }

.finance-section {
    padding: 74px 0;
    background: var(--cream);
}
.finance-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px;
}
.finance-grid > div {
    border-radius: var(--radius);
    background: var(--white);
    padding: 34px;
    box-shadow: var(--shadow);
}
.finance-grid li { margin-bottom: 10px; }

.final-cta {
    background: var(--navy);
    color: var(--white);
    padding: 34px 0;
}
.final-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
}
.final-cta h2 { margin: 0 0 8px; font-family: Georgia, serif; }
.final-cta p { margin: 0; color: #c6d1dd; }
.final-actions { display: flex; gap: 12px; }

.site-footer {
    padding: 38px 0;
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr 1fr;
    gap: 30px;
}
.footer-brand { color: var(--navy); letter-spacing: 2px; font-size: 21px; }
.site-footer p { color: var(--muted); line-height: 1.7; }
.site-footer a { text-decoration: none; }

@media (max-width: 980px) {
    .menu-toggle { display: block; }
    .site-nav {
        position: absolute;
        top: 81px;
        left: 0;
        right: 0;
        display: none;
        flex-direction: column;
        background: var(--white);
        padding: 22px;
        border-bottom: 1px solid var(--line);
    }
    .site-nav.open { display: flex; }
    .header-cta .phone-link { display: none; }
    .hero-grid, .how-grid { grid-template-columns: 1fr; }
    .hero-grid { padding-block: 55px; }
    .service-cards, .trust-grid { grid-template-columns: repeat(2, 1fr); }
    .profile-card { max-width: 520px; }
}

@media (max-width: 700px) {
    .header-cta .button { display: none; }
    .hero { min-height: auto; }
    .hero-copy h1 { font-size: 43px; }
    .service-cards, .trust-grid, .process-grid, .review-grid,
    .finance-grid, .footer-grid { grid-template-columns: 1fr; }
    .two-column { grid-template-columns: 1fr; gap: 0; }
    .lead-panel { padding: 22px; }
    .final-cta-inner { align-items: flex-start; flex-direction: column; }
    .final-actions { width: 100%; flex-direction: column; }
    .header-inner { min-height: 72px; }
    .site-nav { top: 71px; }
}