:root {
  --blue: #082744;
  --orange: #e87500;
  --cream: #f7f1e8;
  --white: #ffffff;
  --text: #10233d;
  --muted: #5d6877;
  --line: #e5dccf;
  --green: #557c65;
  --gold: #d6a94f;
  --soft: #fbf8f2;
  --shadow: 0 20px 50px rgba(8, 39, 68, 0.11);
  --radius: 8px;
  --container: min(1160px, calc(100% - 36px));
  --sans: "Segoe UI", Arial, sans-serif;
  --serif: Georgia, "Times New Roman", serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { overflow-x: hidden; scroll-behavior: smooth; }
body { margin: 0; overflow-x: hidden; background: #fcfaf6; color: var(--text); font-family: var(--sans); font-size: 17px; line-height: 1.62; letter-spacing: 0; }
body.nav-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; width: 100%; height: auto; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
p, h1, h2, h3, figure, ul, ol { margin-top: 0; }
figure { margin: 0; }
:focus-visible { outline: 3px solid rgba(232, 117, 0, 0.35); outline-offset: 3px; }
.sr-only, .skip-link { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link:focus { position: fixed; top: 14px; left: 14px; z-index: 1000; width: auto; height: auto; clip: auto; padding: 10px 14px; border-radius: var(--radius); background: var(--orange); color: var(--white); font-weight: 850; }
.container { width: var(--container); margin: 0 auto; min-width: 0; }
.narrow { max-width: 900px; }
section[id], main[id] { scroll-margin-top: 88px; }
.site-header { position: sticky; top: 0; z-index: 200; display: flex; align-items: center; gap: clamp(14px, 2vw, 26px); min-height: 74px; padding: 0 max(18px, calc((100% - 1320px) / 2)); border-bottom: 1px solid rgba(229,220,207,.9); background: rgba(255,255,255,.97); box-shadow: 0 1px 0 rgba(8,39,68,.04); backdrop-filter: blur(12px); }
.site-header.is-scrolled { box-shadow: 0 12px 30px rgba(8,39,68,.11); }
.brand { display: inline-flex; align-items: center; gap: 10px; flex: 0 0 auto; min-width: 0; }
.brand-logo { width: 78px; max-width: 78px; height: auto; max-height: 48px; flex: 0 0 auto; }
.brand span { display: grid; gap: 1px; line-height: 1.12; }
.brand strong { color: var(--blue); font-size: 17px; }
.brand small { color: var(--muted); font-size: 12px; font-weight: 760; }
.main-nav { margin-left: auto; display: flex; align-items: center; justify-content: flex-end; gap: clamp(8px, .9vw, 14px); min-width: 0; font-size: 14px; font-weight: 700; line-height: 1; }
.main-nav a { position: relative; display: inline-flex; align-items: center; justify-content: center; min-height: 42px; padding: 0 2px; border-radius: var(--radius); color: var(--text); white-space: nowrap; }
.main-nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 6px; height: 2px; border-radius: 999px; background: var(--orange); transform: scaleX(0); transition: transform .18s ease; }
.main-nav a:hover::after, .main-nav a.is-active::after { transform: scaleX(1); }
.header-actions { display: flex; gap: 10px; }
.nav-toggle { display: none; place-items: center; width: 46px; height: 46px; padding: 10px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); color: var(--blue); }
.nav-toggle span:not(.sr-only) { display: block; width: 22px; height: 2px; margin: 2px 0; border-radius: 999px; background: currentColor; }
.button, .header-button, .mobile-bar a { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 0 18px; border: 1px solid transparent; border-radius: var(--radius); font-weight: 850; text-align: center; transition: transform .18s ease, box-shadow .18s ease, background-color .18s ease; }
.button-primary, .header-button.primary, .mobile-bar a:first-child { background: var(--orange); color: var(--white); }
.button-secondary, .header-button.secondary { border-color: var(--line); background: var(--white); color: var(--blue); }
.button-blue { background: var(--blue); color: var(--white); }
.button:hover, .header-button:hover { transform: translateY(-1px); box-shadow: 0 10px 22px rgba(8,39,68,.12); }
.eyebrow { display: inline-flex; align-items: center; margin-bottom: 14px; color: var(--green); font-size: 13px; font-weight: 850; text-transform: uppercase; }
h1, h2 { margin: 0 0 18px; color: var(--blue); font-family: var(--serif); line-height: 1.08; letter-spacing: 0; }
h1 { max-width: 900px; font-size: clamp(2.15rem, 4vw, 4.2rem); }
h2 { font-size: clamp(1.95rem, 3vw, 3.05rem); }
h3 { margin: 0 0 9px; color: var(--blue); line-height: 1.25; font-size: 1.18rem; }
.hero { position: relative; overflow: hidden; padding: clamp(58px, 7.5vw, 104px) 0 54px; border-bottom: 1px solid var(--line); background: linear-gradient(180deg, #fffdf8 0%, #fbf4e8 62%, var(--cream) 100%); }
.hero::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: linear-gradient(90deg, rgba(255,255,255,.72), rgba(255,255,255,0) 42%), repeating-linear-gradient(90deg, rgba(8,39,68,.035) 0, rgba(8,39,68,.035) 1px, transparent 1px, transparent 92px); }
.hero > .container { position: relative; z-index: 1; }
.text-hero { padding-bottom: 56px; }
.hero-grid, .split-grid, .contact-grid, .form-layout { display: grid; grid-template-columns: minmax(0,1fr) minmax(390px,.96fr); gap: clamp(34px, 5.4vw, 72px); align-items: center; }
.hero-lead, .section-lead { max-width: 760px; margin: 0 0 24px; color: var(--muted); font-size: 1.13rem; }
.hero-lead { color: #34475d; font-size: clamp(1.06rem, 1.55vw, 1.25rem); }
.hero-copy { display: grid; gap: 9px; max-width: 740px; margin-top: 22px; padding-left: 18px; border-left: 3px solid rgba(232,117,0,.34); }
.hero-copy p { margin: 0; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-assurance { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 9px; max-width: 820px; margin-top: 22px; }
.hero-assurance span { display: flex; align-items: center; min-height: 52px; padding: 10px 12px; border: 1px solid rgba(85,124,101,.22); border-radius: var(--radius); background: rgba(255,255,255,.72); color: var(--blue); font-size: .9rem; font-weight: 760; line-height: 1.28; }
.hero-assurance span::before { content: ""; width: 8px; height: 8px; min-width: 8px; margin-right: 9px; border-radius: 50%; background: var(--green); }
.trust-note { margin: 20px 0 0; color: var(--blue); font-weight: 780; }
.hero-media, .split-media, .image-card, .card, .form-card, .faq-item, .cta-panel { border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); overflow: hidden; }
.hero-media { padding: 10px; background: rgba(255,255,255,.9); box-shadow: 0 26px 70px rgba(8,39,68,.14); }
.hero-media img { aspect-ratio: 16 / 12; object-fit: cover; border-radius: 6px; }
.hero-media figcaption, .split-media figcaption { padding: 18px 22px; color: var(--blue); font-weight: 760; }
.hero-media figcaption { padding: 18px 12px 6px; }
.trust-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); }
.trust-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); border-left: 1px solid var(--line); }
.trust-grid article { min-height: 98px; padding: 20px 22px; border-right: 1px solid var(--line); }
.trust-grid span, .card span, .step-list span { display: inline-flex; margin-bottom: 8px; color: var(--orange); font-size: 12px; font-weight: 850; text-transform: uppercase; }
.trust-grid strong { display: block; color: var(--blue); line-height: 1.3; }
.section { padding: clamp(62px, 8vw, 96px) 0; }
.white-section { background: var(--white); }
.cream-section { background: var(--cream); }
.soft-section { background: #f1f6ee; }
.blue-section, .contact-section { background: var(--blue); color: var(--white); }
.blue-section h2, .contact-section h2 { color: var(--white); }
.blue-section .section-lead, .contact-section .section-lead { color: rgba(255,255,255,.78); }
.section-heading { max-width: 880px; margin: 0 auto 42px; text-align: center; }
.section-heading.left { margin-left: 0; text-align: left; }
.high-value-section { padding: clamp(48px, 6vw, 72px) 0; background: var(--white); }
.high-value-grid { display: grid; grid-template-columns: minmax(0,1.1fr) minmax(320px,.9fr); gap: clamp(24px, 4vw, 48px); align-items: center; }
.advisor-panel { padding: 26px; border-radius: var(--radius); background: var(--blue); color: rgba(255,255,255,.82); box-shadow: 0 24px 54px rgba(8,39,68,.18); }
.advisor-panel span { display: inline-flex; margin-bottom: 10px; color: #ffd18f; font-size: 12px; font-weight: 850; text-transform: uppercase; }
.advisor-panel strong { display: block; margin-bottom: 12px; color: var(--white); font-size: 1.25rem; line-height: 1.25; }
.advisor-panel p { margin: 0 0 12px; }
.advisor-panel p:last-child { margin-bottom: 0; }
.advisor-panel a { color: var(--white); font-weight: 820; text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.card-grid { display: grid; gap: 18px; }
.two { grid-template-columns: repeat(2, minmax(0,1fr)); }
.three { grid-template-columns: repeat(3, minmax(0,1fr)); }
.card, .card-body, .form-card, .cta-panel { padding: 24px; }
.card { box-shadow: 0 14px 38px rgba(8,39,68,.08); }
.card:hover { box-shadow: 0 20px 46px rgba(8,39,68,.12); }
.card p, .card-body p, .mosaic-grid p { margin-bottom: 0; color: var(--muted); }
.entry-card { display: flex; min-height: 100%; flex-direction: column; }
.entry-card img { aspect-ratio: 16 / 10; object-fit: cover; }
.entry-card .button { margin-top: 22px; }
.split-media img, .side-image { aspect-ratio: 16 / 11; object-fit: cover; border-radius: var(--radius); }
.side-image { margin-top: 24px; border: 1px solid var(--line); box-shadow: var(--shadow); }
.feature-row { display: grid; grid-template-columns: minmax(300px,.8fr) minmax(0,1.2fr); gap: 30px; align-items: center; }
.feature-row figure { overflow: hidden; border-radius: var(--radius); box-shadow: var(--shadow); }
.feature-row img { aspect-ratio: 4 / 3; object-fit: cover; }
.text-link { display: inline-flex; margin-top: 16px; color: var(--orange); font-weight: 850; }
.warm-list { display: grid; gap: 9px; padding: 0; margin: 22px 0 28px; list-style: none; }
.warm-list li { position: relative; padding-left: 23px; }
.warm-list li::before { content: ""; position: absolute; left: 0; top: .72em; width: 8px; height: 8px; border-radius: 50%; background: var(--orange); }
.pill-grid { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.pill-grid span { padding: 10px 14px; border: 1px solid var(--line); border-radius: 999px; background: var(--white); color: var(--blue); font-weight: 760; }
.choice-cards { display: grid; grid-template-columns: repeat(7, minmax(150px,1fr)); gap: 12px; overflow-x: auto; padding-bottom: 8px; }
.choice-cards a { display: grid; min-height: 145px; align-content: space-between; padding: 18px; border: 1px solid var(--line); border-radius: var(--radius); background: #fffdfa; box-shadow: 0 8px 24px rgba(8,39,68,.07); }
.choice-cards strong { color: var(--blue); line-height: 1.24; }
.choice-cards span { color: var(--orange); font-weight: 800; font-size: 14px; }
.step-list { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 0; padding: 0; margin: 0; overflow: hidden; border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius); list-style: none; background: rgba(255,255,255,.08); }
.step-list.five { grid-template-columns: repeat(5, minmax(0,1fr)); }
.step-list li { min-height: 190px; padding: 22px; border-right: 1px solid rgba(255,255,255,.16); background: rgba(255,255,255,.04); }
.step-list li:last-child { border-right: 0; }
.step-list h3, .step-list p { color: var(--white); }
.step-list p { margin-bottom: 0; color: rgba(255,255,255,.76); }
.final-cta { background: linear-gradient(180deg, var(--cream), #fffaf3); }
.cta-panel { padding: clamp(28px, 5vw, 46px); text-align: center; }
.cta-panel p:not(.eyebrow) { max-width: 720px; margin: 0 auto; color: var(--muted); }
.cta-panel .actions { justify-content: center; }
.mosaic-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 18px; }
.mosaic-grid article { padding: 24px; border: 1px solid var(--line); border-radius: var(--radius); background: #fffdfa; }
.form-card { border-top: 4px solid var(--orange); }
.form-card h2 { font-size: 2rem; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 16px; }
.field { display: grid; gap: 7px; min-width: 0; }
.field-full { grid-column: 1 / -1; }
.field label, .field legend { color: var(--blue); font-size: 14px; font-weight: 820; }
.field label span { color: var(--muted); font-weight: 650; }
.field input, .field select, .field textarea { width: 100%; min-height: 48px; padding: 11px 12px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); color: var(--text); }
.field textarea { min-height: 138px; resize: vertical; }
.choice-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 10px; }
.choice-grid label, .privacy-line { display: flex; gap: 10px; align-items: flex-start; padding: 12px; border: 1px solid var(--line); border-radius: var(--radius); background: #fffdfa; color: var(--text); font-weight: 650; }
.choice-grid input, .privacy-line input { width: 18px; min-width: 18px; height: 18px; margin-top: 3px; accent-color: var(--orange); }
.honeypot { position: absolute; left: -9999px; opacity: 0; }
.field-error, .form-error { min-height: 20px; margin: 0; color: #9f2f24; font-size: 14px; font-weight: 720; }
.form-status { margin: 10px 0 0; color: var(--green); font-weight: 780; }
.form-note, .form-small { color: var(--muted); font-size: .95rem; }
.field [aria-invalid="true"] { border-color: #9f2f24; box-shadow: 0 0 0 3px rgba(159,47,36,.1); }
.faq-list { display: grid; gap: 12px; }
.faq-item h3 { margin: 0; font-family: var(--sans); font-size: 1rem; }
.faq-item button { width: 100%; padding: 20px 22px; border: 0; background: transparent; color: var(--blue); cursor: pointer; font-weight: 850; text-align: left; }
.faq-item button::after { content: "+"; float: right; color: var(--orange); font-weight: 900; }
.faq-item button[aria-expanded="true"]::after { content: "-"; }
.faq-item div { padding: 0 22px 22px; }
.faq-item p { margin: 0; color: var(--muted); }
.contact-cards { display: grid; gap: 12px; margin-top: 24px; }
.contact-cards a, .contact-cards div { display: grid; gap: 3px; padding: 18px; border: 1px solid rgba(255,255,255,.18); border-radius: var(--radius); background: rgba(255,255,255,.08); }
.contact-cards span { color: rgba(255,255,255,.68); font-size: 13px; font-weight: 760; text-transform: uppercase; }
.contact-cards strong { color: var(--white); }
.legal h2 { margin-top: 30px; font-family: var(--sans); font-size: 1.35rem; }
.site-footer { border-top: 5px solid var(--orange); background: #061d32; color: rgba(255,255,255,.74); }
.footer-grid { display: grid; grid-template-columns: minmax(260px,.8fr) minmax(0,1.45fr); gap: 48px; padding: 54px 0; }
.footer-about { display: grid; align-content: start; gap: 10px; }
.footer-about p { margin: 0; }
.footer-brand { margin-bottom: 10px; }
.footer-brand strong, .site-footer h2 { color: var(--white); }
.footer-brand small { color: rgba(255,255,255,.62); }
.footer-nav { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 20px; }
.footer-nav > div { padding-top: 4px; border-top: 1px solid rgba(255,255,255,.13); }
.footer-nav h2 { margin: 0 0 12px; font-family: var(--sans); font-size: 15px; }
.footer-nav a { display: block; margin-top: 8px; font-weight: 650; }
.footer-nav a:hover { color: var(--white); }
.mobile-bar { display: none; }
@media (max-width: 1500px) and (min-width: 1321px) {
  .site-header { gap: 16px; padding: 0 18px; }
  .main-nav { gap: 10px; font-size: 13.5px; }
}
@media (min-width: 901px) and (max-width: 1320px) {
  .header-actions { display: none; }
  .main-nav { flex-wrap: wrap; gap: 4px 13px; font-size: 13.5px; }
  .main-nav a { min-height: 34px; }
}
@media (min-width: 901px) and (max-width: 1120px) {
  .brand span { display: none; }
}
@media (max-width: 1050px) {
  .step-list.five { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .choice-cards { grid-template-columns: repeat(4, minmax(180px,1fr)); }
}
@media (max-width: 900px) {
  .site-header { justify-content: space-between; }
  .nav-toggle { display: inline-grid; }
  .header-actions { display: none; }
  .main-nav { position: fixed; inset: 74px 18px auto 18px; z-index: 180; margin-left: 0; display: none; flex-direction: column; align-items: stretch; justify-content: flex-start; gap: 2px; max-height: calc(100dvh - 100px); padding: 16px; overflow-y: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
  body.nav-open .main-nav { display: flex; }
  .main-nav a { justify-content: flex-start; min-height: 44px; padding: 0 14px; }
  .main-nav a::after { display: none; }
  .main-nav a:hover, .main-nav a.is-active { background: #f4f7f9; color: var(--blue); }
  .hero-grid, .split-grid, .contact-grid, .form-layout, .feature-row, .high-value-grid { grid-template-columns: 1fr; }
  .trust-grid, .mosaic-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .three, .footer-grid, .footer-nav { grid-template-columns: repeat(2, minmax(0,1fr)); }
}
@media (max-width: 760px) {
  body { padding-bottom: 76px; font-size: 16px; }
  .site-header { min-height: 64px; padding: 8px 14px; }
  .brand-logo { max-height: 44px; }
  .brand strong { font-size: 15px; }
  .brand small { display: none; }
  .main-nav { inset: 64px 12px auto 12px; max-height: calc(100dvh - 150px); }
  .hero { padding: 42px 0 44px; }
  .hero::before { background: linear-gradient(180deg, rgba(255,255,255,.74), rgba(255,255,255,0)); }
  h1 { font-size: 2rem; line-height: 1.08; }
  h2 { font-size: 1.85rem; line-height: 1.12; }
  .hero-lead, .section-lead { font-size: 1rem; }
  .hero-copy { padding-left: 14px; }
  .hero-assurance { grid-template-columns: 1fr; }
  .two, .three, .form-grid, .choice-grid, .trust-grid, .mosaic-grid, .step-list, .step-list.five, .footer-grid, .footer-nav { grid-template-columns: 1fr; }
  .section-heading { text-align: left; }
  .actions { display: grid; }
  .button, .form-card .button { width: 100%; }
  .card, .card-body, .form-card, .cta-panel { padding: 20px; }
  .choice-cards { grid-template-columns: 1fr; overflow: visible; }
  .choice-cards a { min-height: 120px; }
  .trust-grid { border-left: 0; }
  .trust-grid article { min-height: auto; border-right: 0; border-bottom: 1px solid var(--line); }
  .step-list li { min-height: auto; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.16); }
  .mobile-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 220; display: grid; grid-template-columns: 1fr 1fr; gap: 8px; padding: 10px 12px; border-top: 1px solid var(--line); background: rgba(255,255,255,.96); box-shadow: 0 -10px 28px rgba(8,39,68,.12); }
  .mobile-bar a { min-height: 50px; padding: 0 10px; font-size: 14px; }
  .mobile-bar a:last-child { border-color: var(--line); background: var(--blue); color: var(--white); }
}
@media (max-width: 420px) {
  :root { --container: calc(100% - 28px); }
  h1 { font-size: 1.82rem; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; }
}