:root {
  --navy: #0f2238;
  --navy-light: #16324f;
  --gold: #c9a24b;
  --gold-light: #e4c781;
  --bg: #f7f5f1;
  --text: #1f2a36;
  --muted: #7a8794;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

h1, h2, h3 {
  font-family: 'Poppins', sans-serif;
}

.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 50px;
  font-weight: 600;
  text-decoration: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 6px 16px rgba(201, 162, 75, 0.35);
}

.btn-outline {
  border: 2px solid var(--gold);
  color: var(--gold-light);
}

.hero {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: white;
  padding: 24px 6% 56px;
  display: flex;
  flex-direction: column;
}

.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0 60px;
}

.logo {
  font-family: 'Poppins', sans-serif;
  font-weight: 800;
  font-size: 1.4rem;
}

.logo span {
  color: var(--gold);
}

.hero-content {
  max-width: 760px;
  margin: 40px auto 0;
  text-align: center;
}

.hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  font-weight: 700;
  margin-bottom: 0;
}

.highlight {
  color: var(--gold);
}

.subtitle {
  font-size: 1.15rem;
  color: #d7dee6;
  max-width: 560px;
  margin: 0 auto 32px;
}

main section {
  max-width: 900px;
  margin: 0 auto;
  padding: 80px 6%;
  text-align: center;
}

main section.about {
  max-width: 1160px;
  padding-top: 48px;
  padding-bottom: 32px;
}

main section.commission {
  padding-top: 16px;
}

.commission h2, .contact h2 {
  font-size: 2rem;
  margin-bottom: 24px;
  color: var(--navy);
}

.about-grid {
  display: flex;
  align-items: center;
  gap: 56px;
  text-align: left;
}

.headshot {
  width: 260px;
  height: 260px;
  object-fit: cover;
  border-radius: 18px;
  border: 3px solid var(--gold);
  box-shadow: 0 12px 34px rgba(15, 34, 56, 0.18);
  flex-shrink: 0;
}

.about-text h2 {
  font-size: 2rem;
  margin-bottom: 20px;
  color: var(--navy);
}

.about-text p {
  margin-bottom: 16px;
  color: var(--text);
}

@media (max-width: 640px) {
  .about-grid {
    flex-direction: column;
    text-align: center;
  }
}

.cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 0;
}

.card {
  background: white;
  border: 2px solid rgba(15, 34, 56, 0.1);
  border-radius: 16px;
  padding: 28px 26px;
  box-shadow: 0 8px 24px rgba(15, 34, 56, 0.06);
  display: flex;
  flex-direction: column;
}

.card ul {
  margin-top: auto;
}

.card h3 {
  margin: 0;
  font-size: 1.15rem;
  color: var(--navy);
}

.card .rate-big {
  margin: 6px 0 18px;
  font-family: "Poppins", sans-serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}

.card .rate-big.muted {
  color: var(--muted);
}

.card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.card li {
  position: relative;
  padding: 8px 0 8px 28px;
  border-top: 1px solid rgba(15, 34, 56, 0.07);
  color: var(--text);
  text-align: left;
  min-height: 42px;
  display: flex;
  align-items: center;
}

.card li::before {
  content: "✅";
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.85rem;
  line-height: 1;
}

.card li.strike::before {
  content: "❌";
}

.card li.strike {
  color: var(--muted);
  text-decoration: line-through;
}

.highlight-card {
  border: 2px solid var(--gold);
  box-shadow: 0 12px 32px rgba(201, 162, 75, 0.18);
}

.fee-note {
  margin: 14px auto 0;
  max-width: 640px;
  font-size: 0.8rem;
  line-height: 1.5;
  color: var(--muted);
}

.card .rate-big .asterisk {
  font-size: 0.5em;
  vertical-align: super;
  margin-left: 2px;
}

.example-title {
  margin: 36px 0 0;
  font-size: 1.05rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
}

.comparison {
  margin-top: 16px;
  overflow-x: auto;
}

.compare-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: white;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(15, 34, 56, 0.08);
  min-width: 560px;
}

.compare-table th,
.compare-table td {
  padding: 16px 18px;
  text-align: center;
  border-bottom: 1px solid #eceae5;
}

.compare-table tbody tr:last-child th,
.compare-table tbody tr:last-child td {
  border-bottom: none;
}

.compare-table thead th {
  background: var(--navy);
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-size: 1rem;
  line-height: 1.3;
}

.compare-table thead th:first-child {
  background: var(--navy-light);
  text-align: left;
}

.compare-table thead th.mine {
  background: linear-gradient(160deg, #14304d, #1d4267);
  box-shadow: inset 0 -4px 0 var(--gold);
}

.compare-table .rate {
  display: block;
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--gold);
  margin-top: 4px;
}

.compare-table .rate.muted {
  color: #b9c3cd;
}

.compare-table tbody th {
  text-align: left;
  font-weight: 500;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  font-size: 0.95rem;
}

.compare-table tbody tr:nth-child(even) th,
.compare-table tbody tr:nth-child(even) td {
  background: #fbfaf8;
}

.compare-table td.mine {
  background: rgba(201, 162, 75, 0.09);
  font-weight: 600;
  color: var(--navy);
}

.compare-table tbody tr:nth-child(even) td.mine {
  background: rgba(201, 162, 75, 0.14);
}

.compare-table .no {
  opacity: 0.75;
}

.compare-table td.muted {
  color: var(--muted);
}

.savings-note {
  margin-top: 32px;
  font-size: 1.05rem;
  color: var(--navy);
}

.contact {
  background: white;
  border-radius: 20px;
  margin: 40px auto 80px;
  box-shadow: 0 10px 30px rgba(15, 34, 56, 0.06);
}

.contact-details {
  margin: 20px 0;
  color: var(--muted);
  font-weight: 500;
}

.contact-details a {
  color: var(--navy);
  text-decoration: none;
  font-weight: 600;
}

.contact-details a:hover {
  color: var(--gold);
}

footer {
  text-align: center;
  padding: 24px;
  color: var(--muted);
  font-size: 0.85rem;
}

footer .license {
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}

@media (max-width: 640px) {
  .cards {
    gap: 10px;
  }
  .card {
    padding: 16px 10px;
  }
  .card h3 {
    font-size: 0.95rem;
  }
  .card .rate-big {
    font-size: 1.5rem;
    margin-bottom: 12px;
  }
  .card li {
    font-size: 0.78rem;
    padding: 6px 0 6px 20px;
    min-height: 36px;
  }
  .card li::before {
    font-size: 0.7rem;
  }
  .compare-table {
    min-width: 0;
    font-size: 0.78rem;
  }
  .compare-table thead th,
  .compare-table tbody th {
    font-size: 0.78rem;
  }
  .compare-table th,
  .compare-table td {
    padding: 10px 6px;
  }
  .compare-table .rate {
    font-size: 1.1rem;
  }
}