:root{
  --navy:#173A63;--blue:#2E5F89;--steel:#6D7D8D;--silver:#B7C2CC;
  --ink:#17212B;--muted:#5E6B78;--paper:#F5F8FB;--white:#fff;--gold:#C89A3D;
  --shadow:0 18px 50px rgba(23,58,99,.12);--radius:18px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:inherit}.container{width:min(1160px,92%);margin:auto}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;font-weight:800;color:var(--blue)}
.topbar{background:var(--navy);color:#fff;font-size:.92rem}.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:9px 0;flex-wrap:wrap}
header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);z-index:10;border-bottom:1px solid #e9eef3}
nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}.brand img{width:350px;max-width:58vw;height:auto;display:block}
.navlinks{display:flex;gap:22px;align-items:center}.navlinks a{text-decoration:none;font-weight:700;color:#29425b}.menu{display:none;background:none;border:0;font-size:1.7rem}
.btn{display:inline-block;background:var(--navy);color:white;text-decoration:none;padding:13px 20px;border-radius:10px;font-weight:800;border:2px solid var(--navy);transition:.2s}
.navlinks a.btn{color:#fff}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 25px rgba(23,58,99,.2)}.btn.alt{background:white;color:var(--navy)}.btn.gold{background:var(--gold);border-color:var(--gold);color:#17212B}
.hero{background:linear-gradient(115deg,#edf3f8 0%,#fff 54%,#e9eef4 100%);padding:72px 0 62px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}
h1{font-size:clamp(2.5rem,5vw,4.7rem);line-height:1.02;margin:.3rem 0 1.2rem;color:var(--navy);letter-spacing:-.035em}
h2{font-size:clamp(2rem,3.5vw,3.2rem);line-height:1.12;color:var(--navy);margin:.25rem 0 1rem}
h3{color:var(--navy);font-size:1.24rem;margin:.2rem 0 .5rem}.lead{font-size:1.16rem;color:#425466;max-width:720px}
.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin:28px 0}.proof{display:flex;gap:22px;flex-wrap:wrap;font-size:.95rem;font-weight:700;color:#3c5368}
.portrait{position:relative}.portrait img{width:100%;border-radius:28px;box-shadow:var(--shadow);display:block;aspect-ratio:1/1;object-fit:cover}
.portrait:after{content:"Dan Clark • Commercial Finance Advisor";position:absolute;left:20px;bottom:20px;background:rgba(23,58,99,.92);color:white;padding:12px 16px;border-radius:10px;font-weight:800}
section{padding:76px 0}.soft{background:var(--paper)}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:30px}
.card{background:white;border:1px solid #e2e9f0;border-radius:var(--radius);padding:26px;box-shadow:0 8px 26px rgba(23,58,99,.06)}
.num{font-size:.82rem;font-weight:900;color:var(--gold);letter-spacing:.1em}.stance{background:var(--navy);color:white;border-radius:28px;padding:48px}.stance h2,.stance h3{color:white}
.steps{counter-reset:step}.step{position:relative;padding-left:78px;min-height:62px}.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:54px;height:54px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:white;font-size:1.25rem;font-weight:900}
.checks{list-style:none;padding:0}.checks li{margin:.6rem 0;padding-left:28px;position:relative}.checks li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.cta{background:linear-gradient(115deg,var(--navy),#244f78);color:white;border-radius:28px;padding:52px}.cta h2{color:white}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:32px}
form{background:#fff;border:1px solid #dfe7ef;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
label{font-weight:800;font-size:.94rem}input,textarea,select{width:100%;padding:12px 13px;margin:6px 0 16px;border:1px solid #bcc9d5;border-radius:9px;font:inherit}textarea{min-height:125px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.83rem;color:#53616d}.consent input{width:auto;margin-top:5px}.legal-note{font-size:.8rem;color:#657382}
footer{background:#0f2944;color:#dbe5ee;padding:48px 0 24px}.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:28px}footer a{color:#fff}
.legal{max-width:900px;margin:auto}.legal h1{font-size:2.8rem}.legal h2{font-size:1.55rem;margin-top:2rem}.legal p,.legal li{color:#435260}
.notice{background:#fff7e6;border-left:5px solid var(--gold);padding:18px;border-radius:8px;margin:20px 0}
@media(max-width:850px){.hero-grid,.grid-3,.grid-2,.contact-grid,.footer-grid{grid-template-columns:1fr}.navlinks{display:none;position:absolute;top:82px;left:0;right:0;background:white;padding:22px;flex-direction:column;border-bottom:1px solid #ddd}.navlinks.open{display:flex}.menu{display:block}.brand img{width:280px;max-width:72vw}.portrait{max-width:560px;margin:auto}.hero{padding-top:45px}}