:root{
  --navy:#0f2238;--navy-2:#16304d;--navy-3:#1d3d61;--gold:#c9a24a;--gold-2:#e0bd6a;
  --ink:#1b2430;--muted:#5b6673;--line:#dfe4ea;--bg:#ffffff;--bg-2:#f4f6f8;--bg-3:#eaeef2;
  --radius:10px;--shadow:0 10px 30px rgba(15,34,56,.10);--max:1200px;
  --serif:"Cormorant Garamond",Georgia,"Times New Roman",serif;--sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--navy-3);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.2rem,4.5vw,3.6rem)}
h2{font-size:clamp(1.8rem,3.2vw,2.6rem)}
h3{font-size:1.45rem}
h4{font-size:1.15rem;font-family:var(--sans);font-weight:700;letter-spacing:.02em}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#000;padding:8px 12px;z-index:100}
.skip:focus{left:8px;top:8px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:.8em}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}
.small{font-size:.9rem;color:var(--muted)}
.btn{display:inline-block;padding:14px 26px;border-radius:6px;font-weight:600;font-size:.95rem;letter-spacing:.01em;border:2px solid transparent;transition:.2s;cursor:pointer;font-family:var(--sans)}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#1b1b1b;border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-2);border-color:var(--gold-2)}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-2)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.6);color:#fff;background:transparent}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:1.6em}

/* top bar + header */
.topbar{background:var(--navy);color:#cfd8e3;font-size:.82rem}
.topbar-inner{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;margin-left:18px;white-space:nowrap}
.topbar-links{display:flex;flex-wrap:wrap;justify-content:center;gap:4px 0}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:78px;gap:24px}
.brand{display:flex;align-items:center;gap:12px;color:var(--navy)}
.brand:hover{text-decoration:none}
.brand-mark{width:42px;height:42px;flex:none}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font-family:var(--serif);font-weight:700;font-size:1.55rem;letter-spacing:.01em}
.brand-sub{font-size:.7rem;letter-spacing:.28em;text-transform:uppercase;color:var(--gold);margin-top:3px;font-weight:600}
.nav{display:flex;align-items:center;gap:22px}
.nav ul{display:flex;list-style:none;margin:0;padding:0;gap:4px}
.nav li a{display:block;padding:10px 12px;font-weight:500;font-size:.93rem;color:var(--ink);border-radius:6px}
.nav li a:hover,.nav li a.active{color:var(--navy);background:var(--bg-2);text-decoration:none}
.nav li a.active{box-shadow:inset 0 -2px 0 var(--gold)}
.nav-cta{padding:11px 18px;font-size:.88rem}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;padding:8px;cursor:pointer}
.nav-toggle span{display:block;height:2px;background:var(--navy);margin:6px 0;transition:.2s}
@media(max-width:1000px){
  .nav-toggle{display:block}
  .nav{position:absolute;left:0;right:0;top:78px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 24px 20px;display:none;box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav ul{flex-direction:column}
  .nav li a{padding:12px 8px;font-size:1rem}
  .nav-cta{text-align:center}
  .topbar-inner{justify-content:center;text-align:center}
}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-3) 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-10%;top:-20%;width:55%;height:140%;background:radial-gradient(closest-side,rgba(201,162,74,.22),transparent 70%);pointer-events:none}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center;padding:96px 24px}
.hero h1{color:#fff}
.hero .lead{color:#d6dee7}
.hero .eyebrow{color:var(--gold-2)}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);backdrop-filter:blur(6px);border-radius:14px;padding:28px}
.hero-card h3{color:#fff;font-family:var(--sans);font-size:1.05rem;font-weight:700;letter-spacing:.02em}
.hero-card ul{list-style:none;padding:0;margin:0}
.hero-card li{padding:10px 0;border-top:1px solid rgba(255,255,255,.1);display:flex;gap:12px;align-items:flex-start;font-size:.95rem;color:#e6ecf3}
.hero-card li:first-child{border-top:0}
.check{flex:none;width:20px;height:20px;border-radius:50%;background:var(--gold);color:#111;display:inline-flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:800;margin-top:3px}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.12);border-top:1px solid rgba(255,255,255,.12)}
.hero-stats div{background:var(--navy);padding:22px 24px;text-align:center}
.hero-stats strong{display:block;font-family:var(--serif);font-size:2rem;color:var(--gold-2);line-height:1}
.hero-stats span{font-size:.82rem;color:#c5cfdb;letter-spacing:.04em;text-transform:uppercase}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr;padding:64px 24px}.hero-stats{grid-template-columns:repeat(2,1fr)}}

.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-3) 100%);color:#fff;padding:72px 0}
.page-hero h1{color:#fff}
.page-hero .lead{color:#d6dee7}
.page-hero .eyebrow{color:var(--gold-2)}
.crumbs{font-size:.82rem;color:#aab6c4;margin-bottom:1.2em}
.crumbs a{color:#dbe3ec}

/* sections */
.section{padding:80px 0}
.section-alt{background:var(--bg-2)}
.section-navy{background:var(--navy);color:#dbe3ec}
.section-navy h2,.section-navy h3{color:#fff}
.section-navy .lead{color:#c5cfdb}
.section-head{max-width:760px;margin-bottom:44px}
.grid{display:grid;gap:26px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.2s;position:relative}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card h3{font-size:1.35rem}
.card p{color:var(--muted);font-size:.96rem}
.card .more{font-weight:600;color:var(--navy);font-size:.9rem}
.card .more::after{content:" \2192"}
.icon{width:52px;height:52px;border-radius:12px;background:var(--navy);display:inline-flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--gold)}
.icon svg{width:26px;height:26px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.split img,.visual{border-radius:var(--radius)}
.visual{background:linear-gradient(160deg,var(--navy-2),var(--navy));min-height:360px;display:flex;align-items:flex-end;padding:32px;color:#fff;position:relative;overflow:hidden}
.visual::before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Cpath d='M0 30h60M30 0v60' stroke='rgba(255,255,255,.06)' stroke-width='1'/%3E%3C/svg%3E")}
.visual blockquote{position:relative;margin:0;font-family:var(--serif);font-size:1.5rem;line-height:1.35}
.visual cite{display:block;font-family:var(--sans);font-size:.85rem;color:var(--gold-2);margin-top:14px;font-style:normal;letter-spacing:.06em;text-transform:uppercase}
.checklist{list-style:none;padding:0;margin:0}
.checklist li{padding:9px 0 9px 32px;position:relative}
.checklist li::before{content:"";position:absolute;left:0;top:14px;width:18px;height:18px;border-radius:50%;background:var(--gold);box-shadow:inset 0 0 0 4px #fff, inset 0 0 0 18px var(--gold)}
.checklist li::after{content:"";position:absolute;left:6px;top:17px;width:6px;height:9px;border:solid #111;border-width:0 2px 2px 0;transform:rotate(45deg)}

/* steps */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
@media(max-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px 26px;position:relative}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);font-family:var(--serif);font-size:2.6rem;color:var(--gold);line-height:1;display:block;margin-bottom:12px;font-weight:700}
.step h3{font-size:1.2rem}
.step p{font-size:.94rem;color:var(--muted);margin:0}
.timeline{list-style:none;padding:0;margin:0;position:relative}
.timeline::before{content:"";position:absolute;left:19px;top:0;bottom:0;width:2px;background:var(--line)}
.timeline li{position:relative;padding:0 0 40px 64px}
.timeline li:last-child{padding-bottom:0}
.timeline .dot{position:absolute;left:0;top:2px;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;font-size:1.1rem}
.timeline h3{font-size:1.35rem;margin-bottom:.3em}
.timeline .meta{font-size:.82rem;color:var(--gold);font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.6em}

/* team */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:900px){.team-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.team-grid{grid-template-columns:1fr}}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.2s}
.member:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.member a{text-decoration:none}
.portrait{aspect-ratio:4/4.4;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:4rem;font-weight:700;color:#fff;position:relative;overflow:hidden}
.portrait::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(15,34,56,.55),transparent 55%)}
.portrait span{position:relative;z-index:1}
.member-body{padding:22px 24px 26px}
.member h3{font-size:1.3rem;margin-bottom:.15em}
.member .role{color:var(--gold);font-weight:700;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.8em}
.member p{font-size:.93rem;color:var(--muted);margin:0 0 .8em}
.member .more{font-weight:600;color:var(--navy);font-size:.9rem}
.profile{display:grid;grid-template-columns:360px 1fr;gap:56px;align-items:start}
@media(max-width:900px){.profile{grid-template-columns:1fr}}
.profile-card{position:sticky;top:100px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff}
.profile-card .portrait{aspect-ratio:4/4.2}
.profile-card dl{margin:0;padding:22px 24px}
.profile-card dt{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-top:14px}
.profile-card dt:first-child{margin-top:0}
.profile-card dd{margin:2px 0 0;font-size:.95rem}
.profile h2{font-size:1.7rem;margin-top:1.6em}
.profile h2:first-of-type{margin-top:0}
.tags{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.tags li{background:var(--bg-3);border-radius:999px;padding:6px 14px;font-size:.85rem;font-weight:500}

/* results */
.result{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:var(--radius);padding:28px 30px}
.result strong.amount{display:block;font-family:var(--serif);font-size:2.1rem;color:var(--navy);line-height:1;margin-bottom:8px}
.result .type{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:700}
.result p{color:var(--muted);font-size:.95rem;margin:.6em 0 0}

/* faq */
.faq details{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin-bottom:12px;padding:0 24px}
.faq summary{cursor:pointer;font-weight:600;padding:18px 32px 18px 0;list-style:none;position:relative;font-size:1.03rem;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:1.5rem;color:var(--gold);font-weight:300}
.faq details[open] summary::after{content:"\2212"}
.faq details p,.faq details ul{color:var(--muted);padding-bottom:18px;margin:0}
.faq details ul{margin-top:-8px}
.faq h3{margin-top:2em}

/* testimonials */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;font-size:1.02rem}
.quote p{font-family:var(--serif);font-size:1.25rem;line-height:1.4;color:var(--ink)}
.quote .stars{color:var(--gold);letter-spacing:2px;margin-bottom:10px}
.quote footer{font-size:.88rem;color:var(--muted);font-weight:600}

/* table */
.table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);font-size:.95rem}
.table th,.table td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.table th{background:var(--navy);color:#fff;font-weight:600;font-size:.85rem;letter-spacing:.05em;text-transform:uppercase}
.table tr:last-child td{border-bottom:0}
.table-wrap{overflow-x:auto}

/* contact */
.contact-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr}}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:600px){.form-row{grid-template-columns:1fr}}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;font-size:.88rem;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid #c8d0d9;border-radius:6px;font:inherit;font-size:.95rem;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.field textarea{min-height:140px;resize:vertical}
.field .hint{font-size:.8rem;color:var(--muted);margin-top:4px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted)}
.consent input{margin-top:4px}
.info-card{background:var(--navy);color:#dbe3ec;border-radius:var(--radius);padding:32px}
.info-card h3{color:#fff;font-family:var(--sans);font-size:1.05rem;font-weight:700}
.info-card a{color:#fff}
.info-card dl{margin:0}
.info-card dt{color:var(--gold-2);font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;margin-top:18px}
.info-card dd{margin:4px 0 0}
.map{margin-top:26px;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);min-height:240px;background:#e9edf1 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80'%3E%3Cpath d='M0 40h80M40 0v80' stroke='%23d5dbe2' stroke-width='2'/%3E%3C/svg%3E");display:flex;align-items:center;justify-content:center;text-align:center;color:var(--muted);font-size:.9rem;padding:24px}
.alert{padding:16px 20px;border-radius:8px;margin-bottom:22px;font-size:.95rem}
.alert-ok{background:#e8f5ec;border:1px solid #b9e0c5;color:#1f5d34}
.alert-err{background:#fbeaea;border:1px solid #efc2c2;color:#8a2323}

/* cta band + footer */
.cta-band{background:linear-gradient(135deg,var(--navy-2),var(--navy));color:#fff;padding:64px 0}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.2em}
.cta-band p{color:#c5cfdb;margin:0;max-width:52ch}
.cta-actions{display:flex;gap:14px;flex-wrap:wrap}
.site-footer{background:#0b1a2c;color:#aab6c4;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding:64px 24px 48px}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;margin-bottom:1em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#dbe3ec}
.brand-footer{color:#fff;margin-bottom:16px}
.footer-contact{color:#dbe3ec}
.hours li{display:flex;justify-content:space-between;gap:10px;border-bottom:1px solid rgba(255,255,255,.08);padding-bottom:8px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:22px 0 26px}
.footer-bottom-inner{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}
.footer-bottom ul{display:flex;gap:20px;flex-wrap:wrap}
.footer-bottom li{margin:0}
.notice{font-size:.78rem;color:#7f8c9b;margin:14px 0 0;max-width:110ch}

/* prose pages */
.prose{max-width:820px}
.prose h2{font-size:1.7rem;margin-top:1.8em}
.prose h3{margin-top:1.4em}
.prose ul li{margin-bottom:.4em}
.logos{display:flex;flex-wrap:wrap;gap:12px 32px;align-items:center;justify-content:center;opacity:.8;font-family:var(--serif);font-size:1.15rem;color:var(--muted)}
.badge{display:inline-block;background:var(--bg-3);border-radius:6px;padding:8px 14px;font-size:.85rem;font-weight:600;color:var(--navy)}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:36px}
@media(max-width:600px){.stat-row{grid-template-columns:1fr}}
.stat{border-left:4px solid var(--gold);padding-left:18px}
.stat strong{display:block;font-family:var(--serif);font-size:2.4rem;line-height:1;color:var(--navy)}
.stat span{color:var(--muted);font-size:.9rem}
.section-navy .stat strong{color:var(--gold-2)}
.section-navy .stat span{color:#c5cfdb}
.error-page{padding:120px 0;text-align:center}
.error-page h1{font-size:6rem;color:var(--gold);line-height:1}