:root{
  --navy:#16233a;
  --navy-2:#233556;
  --ink:#172033;
  --muted:#5e6675;
  --cream:#fbf7ef;
  --paper:#fffdf8;
  --line:#e8dfcf;
  --gold:#bd8b45;
  --gold-dark:#8f6632;
  --green:#516d5c;
  --shadow:0 18px 45px rgba(22,35,58,.12);
  --radius:22px;
  --container:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;background:var(--paper);color:var(--ink);line-height:1.6}
a{color:var(--navy);text-decoration-thickness:.08em;text-underline-offset:.18em}
a:hover{color:var(--gold-dark)}
img{max-width:100%;height:auto}
.container{width:min(var(--container),calc(100% - 40px));margin-inline:auto}
.skip-link{position:absolute;left:-999px;top:10px;background:var(--navy);color:white;padding:10px 14px;border-radius:10px;z-index:999}
.skip-link:focus{left:10px}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,253,248,.92);backdrop-filter:blur(18px);border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}
.brand{display:inline-flex;align-items:center;gap:12px;font-weight:750;letter-spacing:.01em;text-decoration:none;color:var(--navy)}
.brand-mark{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-2));color:var(--cream);font-family:Georgia,serif;font-weight:700;box-shadow:0 8px 20px rgba(22,35,58,.25)}
.primary-nav{display:flex;align-items:center;gap:2px;flex-wrap:wrap;justify-content:flex-end}
.primary-nav a{padding:8px 10px;border-radius:999px;text-decoration:none;color:var(--navy);font-size:.94rem}
.primary-nav a.active,.primary-nav a:hover{background:#f0e7d9;color:var(--navy)}
.menu-toggle{display:none;border:1px solid var(--line);background:var(--paper);border-radius:999px;padding:8px 12px;color:var(--navy);font-weight:700}
.hero,.page-hero{background:radial-gradient(circle at 10% 5%,rgba(189,139,69,.22),transparent 32%),linear-gradient(135deg,var(--cream),#fff 58%,#f3eadc);padding:74px 0 64px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.65fr);gap:44px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;color:var(--gold-dark);font-weight:800;font-size:.78rem;margin:0 0 12px}
h1,h2,h3{line-height:1.1;color:var(--navy);margin:0 0 16px}
h1{font-size:clamp(2.5rem,5vw,5.15rem);letter-spacing:-.055em;max-width:940px}
h2{font-size:clamp(1.85rem,3vw,3.1rem);letter-spacing:-.035em}
h3{font-size:1.25rem;letter-spacing:-.015em}.lede{font-size:clamp(1.13rem,1.8vw,1.35rem);max-width:760px;color:#374259;margin:0 0 28px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:12px 20px;border-radius:999px;background:var(--navy);color:#fff;text-decoration:none;font-weight:800;border:1px solid var(--navy);cursor:pointer}.button:hover{background:var(--navy-2);color:#fff}.button-ghost{background:transparent;color:var(--navy);border-color:#cbbda8}.button-ghost:hover{background:#f1e7d9;color:var(--navy)}.button-light{background:#fff;color:var(--navy);border-color:#fff}.button-light:hover{background:var(--cream);color:var(--navy)}
.hero-card,.panel,.card,.testimonial,.quote-card,.score-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-card{padding:26px}.portrait-placeholder{height:220px;border-radius:18px;background:linear-gradient(135deg,#273b60,#16233a 55%,#bf914f);display:grid;place-items:center;margin-bottom:20px}.portrait-placeholder span{width:92px;height:92px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.42);color:#fff;font:700 2.2rem Georgia,serif}.stat-list{display:grid;gap:12px;margin:0}.stat-list div{padding:14px 0;border-top:1px solid var(--line)}.stat-list dt{font-size:1.4rem;font-weight:850;color:var(--navy)}.stat-list dd{margin:2px 0 0;color:var(--muted)}
.section{padding:76px 0}.section.alt{background:var(--cream);border-block:1px solid var(--line)}.section-head{max-width:780px;margin-bottom:34px}.section-head p:not(.eyebrow){font-size:1.08rem;color:var(--muted)}.cards{display:grid;gap:22px}.cards.three{grid-template-columns:repeat(3,minmax(0,1fr))}.cards.four{grid-template-columns:repeat(4,minmax(0,1fr))}.card{padding:26px}.card p{color:var(--muted);margin-bottom:18px}.card a{font-weight:800}.split,.prose-grid,.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,.58fr);gap:44px;align-items:start}.split.reverse,.prose-grid.reverse{grid-template-columns:minmax(280px,.58fr) minmax(0,1fr)}.panel{padding:28px}.wide-panel{max-width:860px}.sticky-panel{position:sticky;top:100px}.prose{max-width:780px}.prose p{font-size:1.05rem;color:#3a4355}.check-list{list-style:none;margin:0;padding:0;display:grid;gap:12px}.check-list li{position:relative;padding-left:28px}.check-list li::before{content:"";position:absolute;left:0;top:.45em;width:14px;height:14px;border-radius:50%;background:var(--green);box-shadow:inset 0 0 0 4px #dfe8df}.process h2{max-width:760px}.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:28px}.steps article{padding:26px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.steps span{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:16px}.quote-card{padding:30px;background:var(--navy);color:#fff}.quote-card p{font:1.42rem/1.38 Georgia,serif;margin:0 0 18px}.quote-card span{color:#e7d4ba}.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:54px 0}.cta-band h2{color:#fff}.cta-grid{display:flex;justify-content:space-between;gap:28px;align-items:center}.cta-grid p{max-width:720px;color:#e4e9f3}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px;background:#fff;margin:22px 0}table{border-collapse:collapse;width:100%;min-width:720px}th,td{text-align:left;padding:16px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f4eadc;color:var(--navy)}tr:last-child td{border-bottom:0}.small{font-size:.9rem;color:var(--muted)}.note{padding:12px 14px;background:#fff8e9;border-left:4px solid var(--gold);border-radius:10px}.testimonial{padding:28px}.testimonial p{font:1.18rem/1.42 Georgia,serif;color:var(--navy)}.testimonial span{color:var(--muted);font-size:.94rem}.score-card{padding:34px;text-align:center;background:linear-gradient(135deg,#fff,#f5eadb)}.score-card span{font-size:5rem;font-weight:900;line-height:1;color:var(--navy);letter-spacing:-.08em}.score-card p{font-weight:850;color:var(--navy);margin:10px 0 0}.score-card small{color:var(--muted)}.simple{padding:58px 0}.contact-grid{grid-template-columns:minmax(0,.75fr) minmax(320px,1fr)}.contact-form{display:grid;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}label{font-weight:800;color:var(--navy);display:grid;gap:7px}input,select,textarea{width:100%;font:inherit;border:1px solid #d8cdbb;border-radius:13px;padding:12px 13px;background:#fffdf9;color:var(--ink)}input:focus,select:focus,textarea:focus{outline:3px solid rgba(189,139,69,.22);border-color:var(--gold)}.checkbox{display:flex;align-items:flex-start;gap:10px;font-weight:650;color:var(--ink)}.checkbox input{width:auto;margin-top:5px}.site-footer{background:#111a2d;color:#dfe5f1;padding:54px 0 24px}.site-footer h2{color:#fff;font-size:1rem}.site-footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .9fr;gap:34px}.footer-brand{color:#fff}.footer-links{list-style:none;padding:0;margin:0;display:grid;gap:9px}.footer-bottom{display:flex;justify-content:space-between;gap:18px;border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:18px}.footer-bottom .small{color:#b9c2d1;max-width:620px}@media(max-width:980px){.hero-grid,.split,.split.reverse,.prose-grid,.contact-grid{grid-template-columns:1fr}.cards.three,.cards.four,.steps{grid-template-columns:1fr 1fr}.sticky-panel{position:static}.primary-nav{display:none;position:absolute;left:20px;right:20px;top:73px;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:14px;align-items:stretch}.primary-nav.open{display:grid}.primary-nav a{display:block}.menu-toggle{display:inline-flex}.footer-grid{grid-template-columns:1fr 1fr}.footer-bottom{display:block}}@media(max-width:640px){.container{width:min(var(--container),calc(100% - 28px))}.hero,.page-hero{padding:54px 0 42px}.section{padding:54px 0}h1{font-size:2.45rem}.cards.three,.cards.four,.steps{grid-template-columns:1fr}.cta-grid{display:block}.footer-grid{grid-template-columns:1fr}.hero-actions{display:grid}.button{width:100%}.score-card span{font-size:4rem}}