:root{
  --navy:#1a2c44; --navy-2:#26405f; --blue:#355a82; --blue-light:#456e9c;
  --azure:#eef2f6; --ink:#2a3744; --muted:#5f6b78; --line:#dfe4ea;
  --bg:#ffffff; --bg-soft:#f7f8fa; --gold:#b08a3e; --cream:#fbf4e6; --cream-line:#ecdcb6;
  --radius:6px; --shadow:0 1px 3px rgba(26,44,68,.06); --shadow-lg:0 4px 16px rgba(26,44,68,.08);
  --maxw:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
[id]{scroll-margin-top:88px}
body{margin:0;background:var(--bg);color:var(--ink);
  font-family:'Inter','Segoe UI',-apple-system,BlinkMacSystemFont,Roboto,Helvetica,Arial,sans-serif;
  font-size:16.5px;line-height:1.75;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px}
h1,h2,h3{font-family:'Source Serif 4',Georgia,'Times New Roman',serif;color:var(--navy);margin:0}
a{color:var(--blue)}

.strip{background:var(--navy);color:#dbe8f6;font-size:13.5px;text-align:center;padding:10px 24px}
.strip b{color:var(--cream-line);font-weight:600}

.nav{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);
  border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;gap:28px;height:70px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none}
.brand span{font-family:'Source Serif 4',Georgia,serif;font-weight:700;font-size:19px;color:var(--navy)}
.brand span.mark{width:32px;height:32px;border-radius:5px;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:14px;line-height:1;
  letter-spacing:.5px}
.nav nav{display:flex;gap:26px;margin-left:auto;font-size:14.5px}
.nav nav a{color:var(--muted);text-decoration:none}
.nav nav a:hover{color:var(--navy)}
.btn{display:inline-block;border-radius:var(--radius);padding:12px 22px;font-size:15px;
  font-weight:600;text-decoration:none;border:1px solid transparent;white-space:nowrap}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--blue-light)}
.nav .btn{margin-left:10px}

.hero{background:linear-gradient(180deg,#fff 0%,var(--bg-soft) 100%);
  border-bottom:1px solid var(--line);padding:88px 0 84px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:60px;align-items:start}
.eyebrow{display:flex;align-items:center;gap:12px;font-size:14px;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;color:#8a6a24;margin-bottom:20px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);flex:0 0 26px}
h1{font-size:43px;line-height:1.18;font-weight:700;letter-spacing:-.5px}
h1 em{font-style:normal;color:var(--blue)}
.lede{color:var(--muted);font-size:18px;margin:24px 0 32px;max-width:28em}
.lede b{color:var(--ink);font-weight:600}
.cta{display:flex;gap:12px;flex-wrap:wrap}
.ticks{display:flex;flex-wrap:wrap;gap:12px 28px;margin-top:28px;font-size:14.5px;color:var(--muted)}
.ticks span::before{content:"✓";color:var(--gold);font-weight:700;margin-right:8px}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);padding:30px}
.card h3{font-size:18px;margin-bottom:6px}
.card .sub{color:var(--muted);font-size:14.5px;margin:0 0 22px}
ol.steps{list-style:none;margin:0;padding:0}
ol.steps li{display:flex;gap:14px;align-items:flex-start;margin-bottom:16px;font-size:15px;
  font-weight:500;color:var(--ink);line-height:1.55}
ol.steps li:last-child{margin-bottom:0}
ol.steps .n{flex:0 0 25px;height:25px;border-radius:50%;background:var(--navy);color:#fff;
  font-size:12.5px;font-weight:600;display:flex;align-items:center;justify-content:center;margin-top:2px}

.band{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:82px 0}
.band.white{background:#fff}
.sechead{text-align:center;max-width:620px;margin:0 auto 48px}
.sechead .eyebrow{justify-content:center}
.sechead h2{font-size:31px;line-height:1.3}
.sechead p{color:var(--muted);margin:16px 0 0;font-size:16.5px}

.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tile{background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);
  border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.tile.gold{border-top-color:var(--gold)}
.tile h3{font-size:18px;margin-bottom:14px;line-height:1.4}
.tile p{color:var(--muted);font-size:15.5px;margin:0}
.tile ul{margin:0;padding-left:0;list-style:none;color:var(--muted);font-size:15.5px}
.tile li{margin-bottom:9px;padding-left:22px;position:relative}
.tile li::before{content:"—";position:absolute;left:0;color:var(--gold)}
.tile li:last-child{margin-bottom:0}
.tag{display:inline-block;background:var(--azure);color:var(--blue);border-radius:4px;
  padding:4px 10px;font-size:11.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
  margin-bottom:14px}
.tag.cream{background:var(--cream);color:#8a6a24}

.note{text-align:center;color:var(--muted);font-size:15.5px;max-width:600px;margin:36px auto 0}

.quote{background:var(--cream);border:1px solid var(--cream-line);border-radius:var(--radius);
  padding:36px 40px;max-width:740px;margin:0 auto}
.quote p{margin:0 0 16px;font-family:'Source Serif 4',Georgia,serif;font-size:19px;
  line-height:1.7;color:var(--navy)}
.quote p:last-of-type{margin-bottom:0}
.quote .src{font-family:'Inter',sans-serif;font-size:13.5px;color:#8a6a24;margin-top:22px;
  padding-top:18px;border-top:1px solid var(--cream-line);line-height:1.7}

.quote .src a{color:#8a6a24;text-decoration:underline;text-underline-offset:2px}
.quote p a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.qa{max-width:740px;margin:0 auto}
.qa .item{border-bottom:1px solid var(--line);padding:28px 0}
.qa .item:first-child{padding-top:0}
.qa .item:last-child{border-bottom:0;padding-bottom:0}
.qa h3{font-size:19px;margin-bottom:12px}
.qa p{color:var(--muted);font-size:16px;margin:0}

.contact{background:var(--navy);color:#dbe8f6;padding:82px 0}
.contact .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start}
.contact h2{color:#fff;font-size:31px;line-height:1.3}
.contact p{color:#bcd0e6;font-size:16.5px;margin:20px 0 0}
.contact .btn-primary{background:var(--gold);color:#20242c;margin-top:28px}
.contact .btn-primary:hover{background:#c49a48}
.cbox{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);
  border-radius:var(--radius);padding:28px}
.cbox .who{font-family:'Source Serif 4',Georgia,serif;font-size:20px;color:#fff;font-weight:600}
.cbox .line{color:#bcd0e6;font-size:15.5px;margin-top:8px}
.cbox a{color:#9cc4ec;text-decoration:none;border-bottom:1px solid rgba(156,196,236,.4)}
.cbox .legal{margin-top:22px;padding-top:20px;border-top:1px solid rgba(255,255,255,.14);
  font-size:13px;color:#8a96a3;line-height:1.8}
footer{background:#14243a;color:#8a96a3;font-size:13px;padding:30px 0;line-height:1.85}
footer .wrap{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}
footer a{color:#9cc4ec;text-decoration:none}

@media (max-width:900px){
  .hero .wrap,.contact .wrap{grid-template-columns:1fr;gap:38px}
  .grid{grid-template-columns:1fr}
  .hero{padding:56px 0}
  .band,.contact{padding:60px 0}
  h1{font-size:32px}
  .sechead h2,.contact h2{font-size:26px}
  .quote{padding:26px 24px}
  .quote p{font-size:17.5px}
  .nav nav{display:none}
  .nav .btn{margin-left:auto;padding:10px 16px;font-size:14px}
}
.seccta{text-align:center;margin-top:38px}
.seccta a{display:inline-block;font-weight:600;font-size:15.5px;color:var(--blue);
  text-decoration:none;border-bottom:2px solid var(--gold);padding-bottom:3px}
.seccta a:hover{color:var(--navy)}
.cform{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);
  border-radius:var(--radius);padding:26px}
.cform .field{margin-bottom:14px}
.cform label{display:block;font-size:13.5px;color:#bcd0e6;margin-bottom:6px;font-weight:500}
.cform label .opt{color:#8fa6c0;font-weight:400}
.cform input,.cform select,.cform textarea{width:100%;box-sizing:border-box;padding:10px 12px;
  border-radius:5px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.08);
  color:#fff;font:inherit;font-size:15px}
.cform input::placeholder,.cform textarea::placeholder{color:#8fa6c0}
.cform select option{color:#1a2c44}
.cform input:focus,.cform select:focus,.cform textarea:focus{outline:none;
  border-color:var(--gold);background:rgba(255,255,255,.12)}
.cform textarea{min-height:88px;resize:vertical}
.cform .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.cform button{width:100%;margin-top:6px;border:0;cursor:pointer;font:inherit;font-weight:600;
  padding:13px 18px;border-radius:5px;background:var(--gold);color:#20242c;font-size:15.5px}
.cform button:hover{background:#c49a48}
.cform button:disabled{opacity:.7;cursor:default}
.form-note{font-size:13px;color:#8fa6c0;margin:12px 0 0;line-height:1.5}
@media(max-width:860px){.cform .two{grid-template-columns:1fr}}
@media (max-width:620px){
  .nav .btn{display:none}
  .strip{font-size:12.5px;padding:9px 16px}
  .wrap{padding:0 20px}
  h1{font-size:28px}
  .cta{flex-direction:column;align-items:stretch}
  .cta .btn{text-align:center}
  .ticks{flex-direction:column;gap:10px}
}
.tile p.plain{font-size:14px;line-height:1.55;color:#5b6b7f;margin:2px 0 12px}
.footlinks a{color:#bcd0e6;text-decoration:underline}