:root {
  --navy: #16233f;
  --navy-deep: #101a30;
  --gold: #c1922e;
  --gold-soft: #d9b45f;
  --ink: #232a36;
  --muted: #5b6472;
  --paper: #ffffff;
  --tint: #eef4f3;
  --line: #dde6e4;
  --seafoam: #4e8f8b;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  font-size: 16.5px;
}
img { max-width: 100%; display: block; }
a { color: var(--gold); }

h1, h2, h3 { font-family: 'Playfair Display', Georgia, serif; color: var(--navy); line-height: 1.15; }
h1 { font-size: clamp(2.4rem, 5.5vw, 4rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 600; margin-bottom: 1rem; }
h3 { font-size: 1.18rem; margin-bottom: .5rem; }
p { margin-bottom: 1rem; }

.wrap { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

.kicker {
  text-transform: uppercase;
  letter-spacing: .22em;
  font-size: .78rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: .6rem;
}
.kicker.gold { color: var(--gold-soft); }

/* Nav */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  max-width: 1200px; margin: 0 auto; padding: 10px 24px;
  display: flex; align-items: center; gap: 24px;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img { width: 46px; height: 46px; border-radius: 50%; }
.brand span {
  font-family: 'Playfair Display', serif; font-weight: 700;
  color: var(--navy); font-size: 1.15rem; letter-spacing: .02em; white-space: nowrap;
}
.brand em { font-style: normal; color: var(--gold); }
.links { margin-left: auto; display: flex; gap: 22px; }
.links a {
  text-decoration: none; color: var(--ink);
  font-size: .92rem; font-weight: 500;
}
.links a:hover { color: var(--gold); }

/* Buttons */
.btn {
  display: inline-block; padding: 13px 26px;
  border-radius: 4px; text-decoration: none;
  font-weight: 600; font-size: .95rem; letter-spacing: .02em;
  border: 1.5px solid transparent;
  cursor: pointer; transition: all .18s ease;
}
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: #ab8026; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-deep); }
.btn-ghost { border-color: rgba(255,255,255,.75); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.12); }
.nav-cta { padding: 10px 18px; white-space: nowrap; }

/* Hero */
.hero {
  position: relative;
  background:
    linear-gradient(160deg, rgba(16,26,48,.86) 0%, rgba(20,44,60,.84) 60%, rgba(30,64,72,.82) 100%),
    url('../img/hero.jpg') center/cover no-repeat;
  color: #fff;
  text-align: center;
  padding: 110px 24px 60px;
}
.hero-location {
  text-transform: uppercase;
  letter-spacing: .28em;
  font-size: .78rem;
  color: var(--gold-soft);
  margin: -16px 0 30px;
}
.hero h1 { color: #fff; margin: 18px 0 14px; }
.hero .lede {
  max-width: 640px; margin: 0 auto 30px;
  font-size: 1.15rem; color: #dfe4ee;
}
.hero-logo {
  width: 130px; height: 130px; margin: 0 auto;
  border-radius: 50%;
  box-shadow: 0 6px 30px rgba(0,0,0,.35);
}
.hero-cta { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* Wave dividers — a quiet nod to the St. Pete waterfront */
.wave-divider { line-height: 0; color: var(--paper); margin-top: -1px; }
.wave-divider svg { width: 100%; height: 54px; display: block; }
.hero + .wave-divider { background: transparent; margin-top: -54px; position: relative; }
.footer-wave { color: var(--navy-deep); background: var(--tint); }

/* Sections */
.section { padding: 86px 0; }
.tint { background: var(--tint); }

.split {
  display: grid; grid-template-columns: 1.05fr .95fr;
  gap: 56px; align-items: center;
}
.split figure img { border-radius: 8px; box-shadow: 0 14px 40px rgba(22,35,63,.16); }
.split.reverse { grid-template-columns: .95fr 1.05fr; }

.intro { max-width: 780px; }

.cards {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 22px; margin-top: 32px;
}
.card {
  background: #fff; border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: 6px; padding: 26px 24px;
  box-shadow: 0 4px 18px rgba(22,35,63,.06);
}
.card p { margin: 0; color: var(--muted); font-size: .95rem; }

.cards.three { grid-template-columns: repeat(3, 1fr); }

/* Owners */
.owners { margin-top: 72px; }
.owner-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 26px; margin-top: 30px; align-items: start;
}
.owner-card {
  background: #fff; border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: 8px; padding: 34px 30px;
  box-shadow: 0 10px 34px rgba(22,35,63,.08);
}
.owner-photo {
  width: 110px; height: 110px; border-radius: 50%;
  object-fit: cover; margin-bottom: 18px;
}
.monogram {
  display: flex; align-items: center; justify-content: center;
  background: var(--navy);
  color: var(--gold-soft);
  font-family: 'Playfair Display', serif;
  font-size: 2.1rem; font-weight: 600; letter-spacing: .04em;
}
.owner-card h3 { font-size: 1.45rem; margin-bottom: 2px; }
.owner-title {
  text-transform: uppercase; letter-spacing: .18em;
  font-size: .74rem; font-weight: 700; color: var(--gold);
  margin-bottom: 16px;
}
.owner-card p:not(.owner-title) { color: var(--muted); font-size: .95rem; }

/* Calculators */
.calc-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 26px; margin-top: 34px;
}
.calc-panel {
  background: #fff; border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: 8px; padding: 30px 28px;
  box-shadow: 0 10px 34px rgba(22,35,63,.08);
}
.calc-panel h3 { font-size: 1.35rem; }
.calc-sub { color: var(--muted); font-size: .9rem; margin-bottom: 18px; }
.calc-panel label {
  display: block; font-size: .85rem; font-weight: 600;
  color: var(--navy); margin-bottom: 14px;
}
.calc-panel input, .calc-panel select {
  width: 100%; margin-top: 5px; padding: 11px 12px;
  border: 1px solid #cfd4dd; border-radius: 4px;
  font: inherit; font-size: .95rem; color: var(--ink);
  background: #fff;
}
.calc-panel input:focus, .calc-panel select:focus {
  outline: 2px solid var(--gold-soft); border-color: var(--gold);
}
.calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calc-results { margin-top: 22px; border-top: 1px solid var(--line); padding-top: 8px; }
.rrow {
  display: flex; justify-content: space-between; gap: 16px;
  padding: 9px 0; border-bottom: 1px dashed var(--line);
  font-size: .92rem; color: var(--muted);
}
.rrow strong { color: var(--navy); white-space: nowrap; }
.rrow.total {
  border-bottom: none; border-top: 2px solid var(--gold);
  margin-top: 4px; padding-top: 12px;
  font-size: 1.02rem; color: var(--navy); font-weight: 600;
}
.rrow.total strong { font-size: 1.15rem; }
.calc-note { font-size: .8rem; color: var(--muted); margin: 10px 0 0; }
.calc-disclaimer {
  font-size: .8rem; color: var(--muted);
  margin-top: 22px; max-width: 820px;
}

/* Order section */
.nav-order { color: var(--gold) !important; font-weight: 700 !important; }
.order-grid {
  display: grid; grid-template-columns: 1.25fr .75fr;
  gap: 28px; margin-top: 32px; align-items: start;
}
.order-form select {
  width: 100%; margin-top: 5px; padding: 11px 12px;
  border: 1px solid #cfd4dd; border-radius: 4px;
  font: inherit; font-size: .95rem; color: var(--ink); background: #fff;
}
.order-form input[type=file] {
  width: 100%; margin-top: 5px; padding: 9px;
  border: 1px dashed #cfd4dd; border-radius: 4px;
  font-size: .88rem; background: #fbfaf7;
}
.opt { font-weight: 400; color: var(--muted); text-transform: none; letter-spacing: 0; }
.form-fine { font-size: .78rem; color: var(--muted); margin: 12px 0 0; }
.order-aside { display: flex; flex-direction: column; gap: 18px; }
.aside-card {
  background: var(--tint); border: 1px solid var(--line);
  border-left: 3px solid var(--gold);
  border-radius: 6px; padding: 24px 22px;
}
.aside-card h3 { font-size: 1.12rem; }
.aside-card p { font-size: .92rem; color: var(--muted); }
.aside-card .btn { margin: 6px 0 10px; }
.aside-fine { font-size: .82rem; margin: 0; }
.aside-address { color: var(--navy) !important; font-weight: 600; margin: 0; }

/* Wire fraud */
.wire-section { padding: 70px 0; background: #fbf8f2; }
.wire-card {
  background: #fff; border: 1px solid var(--line);
  border-top: 4px solid var(--gold);
  border-radius: 8px; padding: 36px 34px;
  box-shadow: 0 10px 34px rgba(22,35,63,.08);
}
.wire-list { list-style: none; margin: 18px 0 14px; }
.wire-list li {
  position: relative; padding-left: 30px; margin-bottom: 14px;
  color: var(--muted); font-size: .95rem;
}
.wire-list li::before {
  content: "!"; position: absolute; left: 0; top: 1px;
  width: 19px; height: 19px; border-radius: 50%;
  background: var(--gold); color: #fff;
  font-size: .74rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.wire-list strong { color: var(--navy); }
.wire-fine { font-size: .88rem; color: var(--muted); margin: 0; }

/* Contact details */
.contact-details { margin: 20px 0 18px; }
.contact-details p { margin-bottom: 12px; font-size: .95rem; color: var(--ink); }
.cd-label {
  display: block; text-transform: uppercase; letter-spacing: .16em;
  font-size: .7rem; font-weight: 700; color: var(--gold); margin-bottom: 2px;
}
.contact-details a { color: var(--navy); text-decoration: none; font-weight: 600; }
.contact-details a:hover { color: var(--gold); }
.footer-wire { max-width: 620px; margin: 10px auto 14px; line-height: 1.6; }

.feature-list { list-style: none; }
.feature-list li {
  padding-left: 30px; position: relative; margin-bottom: 14px;
  color: var(--muted);
}
.feature-list li strong { color: var(--navy); }
.feature-list li::before {
  content: ""; position: absolute; left: 0; top: 8px;
  width: 12px; height: 12px;
  background: var(--gold);
  clip-path: polygon(50% 0, 100% 50%, 50% 100%, 0 50%);
}

/* Navy band (services) */
.band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #e8ebf2; padding: 90px 0;
}
.band h2 { color: #fff; }
.band figure img { border-radius: 8px; box-shadow: 0 14px 40px rgba(0,0,0,.4); }
.check-list { list-style: none; margin: 6px 0 30px; }
.check-list li {
  padding: 10px 0 10px 34px; position: relative;
  border-bottom: 1px solid rgba(255,255,255,.12);
  font-size: 1.02rem;
}
.check-list li::before {
  content: "✓"; position: absolute; left: 4px;
  color: var(--gold-soft); font-weight: 700;
}

/* Contact */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px;
  align-items: start;
}
.phone-line { font-size: 1.12rem; font-weight: 600; color: var(--navy); }
.phone-line a { color: var(--gold); text-decoration: none; }
.contact-form {
  background: #fff; border: 1px solid var(--line); border-radius: 8px;
  padding: 30px; box-shadow: 0 10px 34px rgba(22,35,63,.08);
}
.contact-form label {
  display: block; font-size: .85rem; font-weight: 600;
  color: var(--navy); margin-bottom: 14px;
}
.contact-form input:not([type=checkbox]), .contact-form textarea {
  width: 100%; margin-top: 5px; padding: 11px 12px;
  border: 1px solid #cfd4dd; border-radius: 4px;
  font: inherit; font-size: .95rem; color: var(--ink);
}
.contact-form input:focus, .contact-form textarea:focus {
  outline: 2px solid var(--gold-soft); border-color: var(--gold);
}
.contact-form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.checkbox { display: flex; align-items: center; gap: 8px; font-weight: 500 !important; }
.hidden-field { display: none; }

/* Footer */
.footer {
  background: var(--navy-deep); color: #aeb6c6;
  padding: 44px 0; text-align: center;
}
.footer-inner img { width: 64px; height: 64px; border-radius: 50%; margin: 0 auto 14px; }
.footer a { color: var(--gold-soft); text-decoration: none; }
.footer .fine { font-size: .82rem; margin: 0; color: #7d8699; }

/* Responsive */
@media (max-width: 700px) {
  .nav-inner { gap: 10px; padding: 8px 16px; }
  .brand img { width: 36px; height: 36px; }
  .brand span { font-size: .98rem; }
  .nav-cta { padding: 9px 12px; font-size: .82rem; }
}
@media (max-width: 420px) {
  .brand span { font-size: .86rem; }
  .nav-cta { padding: 8px 10px; font-size: .76rem; }
}

@media (max-width: 900px) {
  .links { display: none; }
  .split, .split.reverse, .contact-grid { grid-template-columns: 1fr; gap: 34px; }
  .split.reverse figure { order: -1; }
  .cards, .cards.three { grid-template-columns: 1fr; }
  .calc-grid, .owner-grid, .order-grid { grid-template-columns: 1fr; }
  .wire-card { padding: 26px 22px; }
  .section { padding: 60px 0; }
  .hero { padding: 70px 20px 80px; }
}