:root{
  --navy:#12283c; --navy-2:#1b3a57; --navy-3:#0c1c2b;
  --gold:#c9a227; --gold-soft:#e8d9a6;
  --bg:#f7f6f2; --card:#ffffff; --ink:#1c2733; --muted:#5b6b7a; --line:#e3e0d8;
  --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65;font-size:16.5px}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.18;font-weight:600}
img,svg{display:block;max-width:100%}
a{color:var(--navy-2)}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 14px;z-index:99}
.skip:focus{left:8px;top:8px}

/* header */
header.site{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(6px);border-bottom:1px solid var(--line);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none}
.brand .mark{width:42px;height:42px;border-radius:10px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Fraunces',Georgia,serif;font-weight:700;font-size:19px;letter-spacing:.5px}
.brand .name{font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:18.5px;color:var(--navy);line-height:1.15}
.brand .name small{display:block;font-family:'Inter',sans-serif;font-size:11.5px;font-weight:600;letter-spacing:1.6px;text-transform:uppercase;color:var(--muted)}
nav.links{display:flex;gap:26px;align-items:center}
nav.links a{text-decoration:none;color:var(--ink);font-weight:500;font-size:15.5px}
nav.links a:hover{color:var(--gold)}
nav.links a.cta-btn{background:var(--navy);color:#fff;padding:10px 18px;border-radius:9px}
nav.links a.login-btn{background:#fff;color:var(--navy);padding:10px 18px;border-radius:9px;border:1.5px solid var(--navy)}
nav.links a.login-btn:hover{background:var(--navy);color:#fff}
nav.links a.cta-btn:hover{background:var(--navy-2)}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy-3) 0%,var(--navy) 55%,var(--navy-2) 100%);color:#fff;padding:84px 0 76px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.055) 1px,transparent 1px);background-size:22px 22px;pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--gold);border:1px solid rgba(201,162,39,.45);padding:6px 14px;border-radius:999px;margin-bottom:22px}
.hero h1{color:#fff;font-size:clamp(34px,5.2vw,54px);max-width:15ch;margin-bottom:18px}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p.lede{font-size:19px;color:#cdd9e4;max-width:56ch;margin-bottom:32px}
.btn-row{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;text-decoration:none;font-weight:600;font-size:16px;padding:14px 26px;border-radius:10px;transition:transform .12s ease,background .12s ease}
.btn:active{transform:translateY(1px)}
.btn.gold{background:var(--gold);color:var(--navy-3)}
.btn.gold:hover{background:var(--gold-soft)}
.btn.ghost{border:1.5px solid rgba(255,255,255,.55);color:#fff}
.btn.ghost:hover{border-color:#fff;background:rgba(255,255,255,.06)}
.btn.navy{background:var(--navy);color:#fff}
/* hero split + photo */
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:center}
.hero-photo{margin:0;position:relative}
.hero-photo img{width:100%;height:540px;object-fit:cover;object-position:center 42%;border-radius:18px;box-shadow:0 24px 50px rgba(0,0,0,.38);border:1px solid rgba(255,255,255,.14)}
.hero-photo figcaption{position:absolute;left:14px;bottom:14px;background:rgba(12,28,43,.75);color:#fff;font-size:12.5px;font-weight:600;letter-spacing:.4px;padding:7px 14px;border-radius:999px;backdrop-filter:blur(4px)}
.btn.small{padding:10px 18px;font-size:14.5px;margin-top:16px}
.portal-card{display:flex;flex-direction:column}
.portal-card .btn{align-self:flex-start}
.side-photo{width:100%;border-radius:var(--radius);margin-bottom:18px;box-shadow:0 8px 24px rgba(18,40,60,.14);object-fit:cover}

.btn.navy:hover{background:var(--navy-2)}

/* trust strip */
.strip{background:var(--gold);color:var(--navy-3)}
.strip .wrap{display:flex;gap:26px;flex-wrap:wrap;justify-content:center;padding:13px 22px;font-weight:600;font-size:14.5px}
.strip span{display:flex;align-items:center;gap:8px}

/* sections */
section{padding:64px 0}
section.tight{padding:48px 0}
.sec-head{max-width:62ch;margin-bottom:38px}
.sec-head h2{font-size:clamp(27px,3.6vw,38px);margin-bottom:12px}
.sec-head p{color:var(--muted);font-size:17.5px}
.kicker{font-size:12.5px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--gold);display:block;margin-bottom:10px}

/* cards */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px;box-shadow:0 1px 3px rgba(18,40,60,.06);transition:box-shadow .15s ease,transform .15s ease}
.card:hover{box-shadow:0 8px 24px rgba(18,40,60,.10);transform:translateY(-2px)}
.card h3{font-size:20.5px;margin:14px 0 8px}
.card p{color:var(--muted);font-size:15.5px}
.icon{width:46px;height:46px;border-radius:11px;background:var(--navy);display:flex;align-items:center;justify-content:center}
.icon svg{width:23px;height:23px;stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* steps */
.steps{counter-reset:step}
.step{position:relative;padding-left:66px;margin-bottom:26px}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);position:absolute;left:0;top:2px;font-family:'Fraunces',Georgia,serif;font-size:30px;font-weight:700;color:var(--gold)}
.step h3{font-size:19.5px;margin-bottom:5px}
.step p{color:var(--muted);font-size:15.5px;max-width:52ch}

/* split */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.panel{background:var(--navy);color:#dfe8f0;border-radius:var(--radius);padding:34px 30px}
.panel h3{color:#fff;font-size:21px;margin-bottom:14px}
.panel ul{list-style:none}
.panel li{padding:9px 0 9px 30px;position:relative;font-size:15.5px;border-bottom:1px solid rgba(255,255,255,.09)}
.panel li:last-child{border-bottom:0}
.panel li::before{content:"";position:absolute;left:2px;top:16px;width:14px;height:7px;border-left:2.5px solid var(--gold);border-bottom:2.5px solid var(--gold);transform:rotate(-45deg)}
ul.checks{list-style:none}
ul.checks li{padding:8px 0 8px 30px;position:relative;font-size:16px}
ul.checks li::before{content:"";position:absolute;left:2px;top:14px;width:14px;height:7px;border-left:2.5px solid var(--gold);border-bottom:2.5px solid var(--gold);transform:rotate(-45deg)}

/* areas */
.areas{display:flex;flex-wrap:wrap;gap:10px}
.areas span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:14.5px;font-weight:500}

/* cta band */
.band{background:linear-gradient(150deg,var(--navy-3),var(--navy-2));color:#fff;border-radius:var(--radius);padding:52px 44px;text-align:center}
.band h2{color:#fff;font-size:clamp(26px,3.4vw,36px);margin-bottom:12px}
.band p{color:#cdd9e4;max-width:52ch;margin:0 auto 28px}

/* page hero (inner pages) */
.page-hero{background:linear-gradient(160deg,var(--navy-3),var(--navy-2));color:#fff;padding:56px 0 48px}
.page-hero h1{color:#fff;font-size:clamp(30px,4.4vw,44px);margin-bottom:12px}
.page-hero p{color:#cdd9e4;max-width:62ch;font-size:17.5px}

/* prose (legal pages) */
.prose{max-width:76ch}
.prose h2{font-size:23px;margin:34px 0 10px}
.prose h3{font-size:18.5px;margin:22px 0 8px}
.prose p{margin-bottom:14px;color:#33424f}
.prose ul{margin:0 0 14px 22px;color:#33424f}
.prose li{margin-bottom:6px}
.prose .updated{color:var(--muted);font-size:14px;margin-bottom:26px}
.callout{background:#fdf9ec;border:1px solid var(--gold-soft);border-left:4px solid var(--gold);border-radius:10px;padding:18px 20px;margin:20px 0}
.callout p{margin-bottom:8px}
.callout p:last-child{margin-bottom:0}

/* forms */
form.contact{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;box-shadow:0 1px 3px rgba(18,40,60,.06)}
.field{margin-bottom:18px}
label{display:block;font-weight:600;font-size:14.5px;margin-bottom:6px;color:var(--navy)}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;padding:12px 14px;border:1.5px solid #cfd6dd;border-radius:9px;font:inherit;font-size:15.5px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--navy-2)}
textarea{min-height:130px;resize:vertical}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.consent{display:flex;gap:12px;align-items:flex-start;background:#fdf9ec;border:1px solid var(--gold-soft);border-radius:10px;padding:16px 18px;margin:22px 0}
.consent input{width:20px;height:20px;margin-top:3px;flex:none;accent-color:var(--navy)}
.consent p{font-size:14px;color:#4a5568;line-height:1.55}
.consent p a{font-weight:600}
.note{font-size:13.5px;color:var(--muted)}
button.btn{border:0;cursor:pointer;width:100%;font-size:16.5px}

/* contact aside */
.contact-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:start}
.mini{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.mini h3{font-size:18.5px;margin-bottom:8px}
.mini p{font-size:15px;color:var(--muted);margin-bottom:12px}
.mini a.big{font-size:21px;font-weight:700;text-decoration:none;color:var(--navy)}
.hours{list-style:none;font-size:15px;color:var(--muted)}
.hours li{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px dashed var(--line)}
.hours li:last-child{border-bottom:0}

/* footer */
footer.site{background:var(--navy-3);color:#9fb2c2;padding:52px 0 30px;margin-top:20px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:38px;margin-bottom:34px}
footer.site h4{color:#fff;font-family:'Inter',sans-serif;font-size:13px;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;margin-bottom:14px}
footer.site a{color:#c4d2de;text-decoration:none;font-size:15px}
footer.site a:hover{color:var(--gold)}
footer.site ul{list-style:none}
footer.site li{margin-bottom:9px}
footer.site .fdesc{font-size:14.5px;max-width:38ch;margin-top:12px}
.legal{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:13.5px;color:#7e93a6}

@media(max-width:880px){
  .hero-grid{grid-template-columns:1fr}
  .hero-photo img{height:320px}
  .grid{grid-template-columns:repeat(2,1fr)}
  .split,.contact-grid{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  nav.links{position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 22px 20px;gap:4px;border-bottom:1px solid var(--line);display:none;box-shadow:0 14px 24px rgba(18,40,60,.12)}
  nav.links.open{display:flex}
  nav.links a{padding:11px 4px;border-bottom:1px solid var(--line)}
  nav.links a.cta-btn,nav.links a.login-btn{text-align:center;margin-top:10px;border-bottom:0}
  .burger{display:block}
  .grid,.grid.two,.frow{grid-template-columns:1fr}
  .band{padding:40px 24px}
  section{padding:50px 0}
}