:root{
  --navy:#081b33;--navy-2:#122a4d;--navy-3:#1d3a66;
  --gold:#b8955a;--gold-2:#d4b57a;--gold-soft:#f1e8d6;
  --ink:#1c2333;--muted:#5b6475;--line:#e3e1db;
  --paper:#ffffff;--cream:#f6f4ef;--cream-2:#eeeae1;
  --serif:"Cormorant Garamond",Georgia,"Times New Roman",serif;
  --sans:"Source Sans 3","Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif;
  --wrap:1180px;--r:6px;--shadow:0 10px 30px rgba(8,27,51,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{overflow-x:hidden}
body{margin:0;font-family:var(--sans);font-size:18px;line-height:1.6;color:var(--ink);background:var(--paper)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-3)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.12;margin:0 0 .5em;font-weight:600;letter-spacing:.005em}
h1{font-size:clamp(2.3rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.8rem,3.2vw,2.5rem)}
h3{font-size:1.45rem}
h4{font-size:1.1rem;font-family:var(--sans);text-transform:uppercase;letter-spacing:.08em;color:var(--gold);font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.lead{font-size:1.22rem;color:#2f3a4f}
.kicker{font-family:var(--sans);text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;font-weight:700;color:var(--gold);margin-bottom:.8em}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#000;padding:8px 12px;z-index:100}
.skip:focus{left:12px}

/* buttons */
.btn{display:inline-block;padding:14px 26px;border-radius:var(--r);font-weight:700;text-decoration:none;font-size:1rem;line-height:1.2;border:2px solid transparent;transition:.15s;cursor:pointer;font-family:var(--sans);text-align:center}
.btn--gold{background:var(--gold);color:#fff;border-color:var(--gold)}
.btn--gold:hover{background:#a5834a;border-color:#a5834a}
.btn--navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn--navy:hover{background:var(--navy-3);border-color:var(--navy-3)}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.65)}
.btn--ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn--block{display:block;width:100%;margin-bottom:10px}
.section .btn--ghost{color:var(--navy);border-color:var(--navy)}

/* topbar + header */
.topbar{background:var(--navy);color:#cfd6e2;font-size:.9rem}
.topbar__grid{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar a:hover{color:var(--gold-2)}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header__grid{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:78px}
.nav{min-width:0;overflow:visible}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);flex-shrink:0}
.brand__text{display:flex;flex-direction:column;line-height:1.1}
.brand__name{font-family:var(--serif);font-weight:700;font-size:1.5rem;letter-spacing:.01em;white-space:nowrap}
.brand__sub{font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin-top:3px;white-space:nowrap}
.nav-links{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:2px;flex-wrap:nowrap}
.nav-links>li>a{white-space:nowrap}
@media (max-width:1500px){.nav-links>li>a{padding:10px 7px;font-size:.92rem}.nav-links .btn{padding:11px 12px;margin-left:4px}.brand{gap:10px}}
@media (max-width:1340px){.brand__sub{display:none}.nav-links>li>a{padding:10px 6px;font-size:.9rem}.brand__name{font-size:1.4rem}}
.nav-links>li{position:relative}
.nav-links a{text-decoration:none;color:var(--navy);font-weight:600;padding:10px 11px;display:inline-block;font-size:.97rem;border-radius:4px}
.nav-links>li>a:hover{background:var(--cream)}
.nav-links .btn{color:#fff;padding:12px 16px;margin-left:6px;white-space:nowrap}
.sub-toggle{display:none}
.sub{list-style:none;margin:0;padding:8px 0;position:absolute;left:0;top:100%;background:#fff;min-width:290px;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:var(--r);opacity:0;visibility:hidden;transform:translateY(6px);transition:.15s}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.open .sub{opacity:1;visibility:visible;transform:none}
.sub a{display:block;padding:9px 16px;font-weight:600;font-size:.97rem}
.sub a:hover{background:var(--cream);color:var(--navy-3)}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px}
.nav-toggle span{display:block;height:3px;width:26px;background:var(--navy);border-radius:2px;margin:0 auto}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 70%,var(--navy-3) 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:520px;height:520px;border:1px solid rgba(212,181,122,.25);border-radius:50%;pointer-events:none}
.hero::before{content:"";position:absolute;right:-40px;top:-40px;width:320px;height:320px;border:1px solid rgba(212,181,122,.18);border-radius:50%;pointer-events:none}
.hero__grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end;position:relative;z-index:1}
.hero__text{padding:72px 0}
.hero h1{color:#fff}
.hero .lead{color:#dfe5ef;max-width:600px}
.hero .kicker{color:var(--gold-2)}
.hero__ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero__img{align-self:end;position:relative}
.hero__img img{width:100%;max-width:440px;margin:0 auto;border-radius:var(--r) var(--r) 0 0;box-shadow:0 -10px 40px rgba(0,0,0,.35);object-fit:cover;aspect-ratio:4/5;object-position:top}
.hero--compact .hero__text{padding:52px 0}
.hero--compact .hero__grid{grid-template-columns:1fr}

/* sections */
.section{padding:72px 0}
.section--cream{background:var(--cream)}
.section--navy{background:var(--navy);color:#dfe5ef}
.section--navy h2,.section--navy h3{color:#fff}
.section--navy a{color:var(--gold-2)}
.section--tight{padding:48px 0}
.section__head{max-width:760px;margin-bottom:36px}
.section__head p{font-size:1.15rem;color:var(--muted)}
.center{text-align:center}.center .section__head{margin-left:auto;margin-right:auto}

/* cards */
.cards{display:grid;gap:22px}
.cards--3{grid-template-columns:repeat(3,1fr)}
.cards--2{grid-template-columns:repeat(2,1fr)}
.cards--4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;transition:.15s;border-top:3px solid var(--navy)}
.card--link:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-top-color:var(--gold)}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);flex:1;margin-bottom:.6em}
.card__icon{font-family:var(--serif);font-size:2rem;color:var(--gold);line-height:1;margin-bottom:12px}
.card__more{font-weight:700;color:var(--navy-3)}

.checks{list-style:none;padding:0;margin:0 0 1.5em;display:grid;gap:8px 28px}
.checks--2{grid-template-columns:repeat(2,1fr)}
.checks--1{grid-template-columns:1fr}
.checks li{padding-left:28px;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:.55em;width:14px;height:8px;border-left:2.5px solid var(--gold);border-bottom:2.5px solid var(--gold);transform:rotate(-45deg)}

/* two column */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,340px);gap:48px;align-items:start}
.twocol__main h2{margin-top:1.6em}
.twocol__main h2:first-child{margin-top:0}
.twocol__main h3{margin-top:1.4em}
.twocol__side{position:sticky;top:96px;display:flex;flex-direction:column;gap:22px}
.sidecard,.feebox{background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.sidecard h3,.feebox h3{margin-bottom:.5em}
.sidecard p{font-size:.98rem;margin-bottom:.8em}
.feebox ul{padding-left:20px;margin:0 0 .8em}
.feebox li{margin-bottom:.35em}
.feebox__note{font-size:.9rem;color:var(--muted)}
.related{border-top:1px solid var(--line);padding-top:20px;margin-top:40px}
.related ul{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}
.related a{display:inline-block;background:var(--cream);padding:8px 14px;border-radius:30px;text-decoration:none;font-weight:600;font-size:.95rem}
.related a:hover{background:var(--gold-soft)}

/* faq */
.faq{margin-top:2.5em}
.faq__item{border:1px solid var(--line);border-radius:var(--r);margin-bottom:10px;background:#fff}
.faq__item summary{cursor:pointer;padding:16px 20px;font-weight:700;font-family:var(--serif);font-size:1.25rem;color:var(--navy);list-style:none;position:relative;padding-right:44px}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:1.6rem;color:var(--gold)}
.faq__item[open] summary::after{content:"−"}
.faq__a{padding:0 20px 16px;color:#2f3a4f}

/* cta band */
.cta-band{background:var(--navy);color:#dfe5ef;padding:56px 0;border-top:4px solid var(--gold)}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band__grid{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta-band__btns{display:flex;gap:12px;flex-wrap:wrap}

/* trust strip */
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.trust__item{text-align:center;padding:20px;border-left:1px solid var(--line)}
.trust__item:first-child{border-left:0}
.trust__num{font-family:var(--serif);font-size:2.4rem;color:var(--navy);font-weight:700;line-height:1}
.trust__lbl{font-size:.95rem;color:var(--muted);margin-top:6px}

/* process steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px}
.step::before{content:counter(s,decimal-leading-zero);font-family:var(--serif);font-size:2.2rem;color:var(--gold);font-weight:700;display:block;margin-bottom:8px;line-height:1}
.step h3{font-size:1.3rem}
.step p{color:var(--muted);margin:0}

/* about block */
.about{display:grid;grid-template-columns:minmax(0,400px) minmax(0,1fr);gap:56px;align-items:center}
.about img{border-radius:var(--r);box-shadow:var(--shadow)}
.about ul{columns:2;padding-left:20px;margin:1em 0 1.5em}

/* crumbs */
.crumbs{background:var(--cream);border-bottom:1px solid var(--line);font-size:.9rem}
.crumbs ol{list-style:none;margin:0;padding:10px 0;display:flex;gap:8px;flex-wrap:wrap}
.crumbs li+li::before{content:"/";margin-right:8px;color:var(--muted)}
.crumbs a{text-decoration:none;color:var(--muted)}

/* prose */
.prose{max-width:760px}
.prose h2{margin-top:1.6em}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin-bottom:.4em}
.prose.legal{font-size:1rem}
.prose.legal h2{font-size:1.5rem}
blockquote{border-left:3px solid var(--gold);margin:1.5em 0;padding:4px 0 4px 20px;font-family:var(--serif);font-size:1.3rem;color:var(--navy)}
.note{background:var(--gold-soft);border-left:4px solid var(--gold);padding:14px 18px;border-radius:0 var(--r) var(--r) 0;font-size:.98rem}
table{border-collapse:collapse;width:100%;margin:1em 0 1.5em;font-size:.98rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--cream)}

/* forms */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;margin-bottom:6px;font-size:.95rem}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid #c8ccd4;border-radius:4px;font:inherit;font-size:1rem;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.field--hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.field--check label{font-weight:400;font-size:.9rem;display:flex;gap:10px;align-items:flex-start;color:var(--muted)}
.field--check input{width:auto;margin-top:5px}
.form__status{min-height:1.4em;font-weight:600}
.form__status.ok{color:#1d6b3a}.form__status.err{color:#a62626}
.form__fine{font-size:.88rem;color:var(--muted);margin:10px 0 0}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.office{background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:24px;margin-bottom:18px}
.office h3{margin-bottom:.3em}
.office address{font-style:normal;margin-bottom:.6em}

/* article list */
.articles{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.article-card{border:1px solid var(--line);border-radius:var(--r);padding:24px;text-decoration:none;color:var(--ink);display:block}
.article-card:hover{box-shadow:var(--shadow)}
.article-card h3{margin-bottom:.3em}
.article-card p{color:var(--muted);margin:0}
.byline{color:var(--muted);font-size:.95rem;margin-bottom:2em}

/* mobile call bar */
.callbar{display:none}

/* footer */
.site-footer{background:var(--navy);color:#c9d1dd;padding:56px 0 28px;font-size:.95rem}
.site-footer a{color:#fff}
.site-footer h4{color:var(--gold-2);margin-bottom:.8em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:6px}
.site-footer address{font-style:normal;margin-bottom:6px}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:32px}
.footer__brand img{margin-bottom:14px}
.footer__legal{border-top:1px solid rgba(255,255,255,.14);margin-top:40px;padding-top:22px;font-size:.84rem;color:#9aa6b8}
.footer__legal a{color:#c9d1dd}

@media (max-width:980px){
  .hero__grid{grid-template-columns:1fr}
  .hero__img{display:none}
  .cards--3,.cards--4{grid-template-columns:repeat(2,1fr)}
  .twocol{grid-template-columns:minmax(0,1fr)}
  .twocol__side{position:static}
  .about{display:block}
  .about img{max-width:420px;margin-bottom:28px}
  .footer__grid{grid-template-columns:1fr 1fr}
  .trust{grid-template-columns:repeat(2,1fr)}
  .trust__item:nth-child(3){border-left:0}
  .steps{display:block}
  .step{margin-bottom:16px}
}
@media (max-width:1140px){
  .nav-toggle{display:flex}
  .brand__sub{display:flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);max-height:calc(100vh - 78px);overflow:auto}
  .nav.open{display:block}
  .nav-links{flex-direction:column;align-items:stretch;padding:10px 20px 20px}
  .nav-links>li{border-bottom:1px solid var(--line)}
  .nav-links a,.nav-links>li>a{display:block;padding:14px 4px;font-size:1rem}
  .has-sub{display:grid;grid-template-columns:1fr 44px}
  .sub-toggle{display:block;background:none;border:0;font-size:1.3rem;color:var(--gold);cursor:pointer}
  .sub{position:static;opacity:1;visibility:visible;transform:none;border:0;box-shadow:none;display:none;grid-column:1/-1;padding:0 0 8px 14px}
  .has-sub.open .sub{display:block}
  .sub a{padding:9px 4px;font-weight:400}
  .nav-cta{border-bottom:0!important;padding-top:12px}
  .nav-links .btn{margin:0;display:block}
}
@media (max-width:760px){
  body{font-size:17px;padding-bottom:64px}
  .topbar__item:first-child{display:none}
  .topbar__grid{justify-content:center}
  .hero__text{padding:48px 0 36px}
  .section{padding:52px 0}
  .cards--2,.cards--3,.cards--4,.articles,.contact-grid,.checks--2{grid-template-columns:1fr}
  .twocol__main .cards,.twocol__main .steps{grid-template-columns:1fr}
  .twocol__main .checks{grid-template-columns:1fr}
  .about ul{columns:1}
  .footer__grid{grid-template-columns:1fr}
  .trust{grid-template-columns:1fr 1fr;gap:8px}
  .trust__item{padding:12px}
  .trust__num{font-size:1.9rem}
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;box-shadow:0 -4px 20px rgba(0,0,0,.2)}
  .callbar a{text-align:center;padding:16px;font-weight:700;text-decoration:none;color:#fff;background:var(--navy)}
  .callbar a+a{background:var(--gold)}
  .cta-band__grid{flex-direction:column;align-items:flex-start}
}
@media print{.topbar,.nav-toggle,.nav,.callbar,.cta-band{display:none}}