img{max-width:100%;height:auto}
:root{--navy:#14273E;--navy-d:#0E1D30;--navy-l:#1F3756;--gold:#D9B26A;--gold-t:#8A5E14;--ink:#1B2430;--muted:#4A5565;--line:#DDE3EA;--bg:#F5F7FA;--tint:#E9EEF4;--serif:'Source Serif 4',Georgia,serif;--sans:'Source Sans 3',system-ui,-apple-system,'Segoe UI',sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.6}
a{color:var(--navy)}a:hover{color:var(--gold-t)}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
img{max-width:100%}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);padding:12px 16px;z-index:10}.skip:focus{left:16px}
.wrap{max-width:1200px;margin:0 auto;padding-left:24px;padding-right:24px}.narrow{max-width:860px}
.preview-bar{background:#111827;color:#F9FAFB;font:500 15px/1.5 system-ui,-apple-system,'Segoe UI',sans-serif;padding:10px 20px;text-align:center}
.topbar{background:var(--navy-d);color:#D5DCE6;font-size:15px}
.topbar .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px 24px;padding-top:10px;padding-bottom:10px}
.topbar a{color:#fff;text-decoration:none}.topbar a:hover{text-decoration:underline}
.topbar .links{display:flex;flex-wrap:wrap;gap:8px 24px}
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px 32px;padding-top:20px;padding-bottom:20px}
.brand{text-decoration:none;display:flex;flex-direction:column;line-height:1.2}
.brand-name{font-family:var(--serif);font-size:26px;font-weight:600;color:var(--navy)}
.brand-sub{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-top:4px}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:8px 26px;font-size:16px;font-weight:600}
.nav a{text-decoration:none}
.nav a[aria-current="page"]{color:var(--gold-t);text-decoration:underline;text-underline-offset:6px;text-decoration-thickness:2px}
.btn{display:inline-block;text-decoration:none;font-weight:700;padding:15px 26px;border-radius:6px;border:1px solid transparent;line-height:1.3}
.btn-navy,.nav .btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-d);color:#fff}
.nav .btn{padding:12px 22px;text-decoration:none}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#E4C281;color:var(--navy)}
.btn-ghost{color:#fff;border-color:#8FA3BC}.btn-ghost:hover{color:#fff;border-color:#fff}
.btn-outline{color:var(--navy);border-color:var(--navy);background:#fff}
.btns{display:flex;flex-wrap:wrap;gap:14px}
.eyebrow{margin:0 0 12px;font-size:14px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-t)}
.on-dark .eyebrow{color:var(--gold)}
h1,h2,h3{color:var(--navy);line-height:1.2}
h1{font-family:var(--serif);font-weight:600;font-size:clamp(2.3rem,4.4vw,3.6rem);line-height:1.12;margin:0 0 22px;letter-spacing:-.01em}
h2{font-family:var(--serif);font-weight:600;font-size:clamp(1.9rem,3.2vw,2.6rem);margin:0 0 16px}
h3{font-size:21px;margin:0 0 14px}
p{margin:0 0 18px}
.lead{font-size:20px;color:var(--muted);max-width:720px;margin:0 0 32px}
.on-dark{color:#fff}.on-dark h1,.on-dark h2,.on-dark h3{color:#fff}.on-dark .lead{color:#D5DCE6}
.section{padding:clamp(60px,8vw,100px) 0}.white{background:#fff}.tint{background:var(--tint)}.bt{border-top:1px solid var(--line)}
.hero{background:var(--navy)}
.hero .wrap{display:flex;flex-wrap:wrap;align-items:center;gap:56px;padding-top:clamp(56px,8vw,96px);padding-bottom:clamp(56px,8vw,96px)}
.hero-text{flex:999 1 520px;min-width:0}
.hero-photo{flex:1 1 320px;min-width:0;max-width:420px}
.hero-photo img{display:block;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 30%;border-radius:8px;border:6px solid var(--navy-l)}
.hero-photo p{margin:14px 0 0;font-size:16px;color:#D5DCE6;text-align:center}.hero-photo strong{color:#fff}
.tagline{margin:32px 0 0;font-family:var(--serif);font-style:italic;font-size:22px;color:var(--gold)}
.page-hero{background:var(--navy)}.page-hero .wrap{padding-top:clamp(52px,7vw,84px);padding-bottom:clamp(52px,7vw,84px)}
.page-hero .lead{margin-bottom:28px}
.crumbs{font-size:15px;margin:0 0 18px;color:#D5DCE6}.crumbs a{color:#D5DCE6}
.creds{background:#fff;border-bottom:1px solid var(--line)}.creds .wrap{padding-top:44px;padding-bottom:44px}
.creds h2{font-family:var(--sans);font-size:14px;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-t);margin:0 0 28px}
.cred-grid{display:flex;flex-wrap:wrap;gap:28px 40px}
.cred{flex:1 1 300px;display:flex;gap:14px;align-items:flex-start;line-height:1.4}.cred svg{flex:none;margin-top:2px}
.cred b{display:block;color:var(--navy)}.cred span{font-size:15px;color:var(--muted)}
.photo-band{position:relative;overflow:hidden;color:#fff;background:var(--navy-d)}
.photo-band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 60%}
.photo-band .shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,29,48,.9) 0%,rgba(14,29,48,.66) 40%,rgba(14,29,48,.1) 75%)}
.photo-band .wrap{position:relative;padding-top:clamp(88px,11vw,150px);padding-bottom:clamp(88px,11vw,150px)}
.photo-band .text{max-width:560px}.photo-band h2{color:#fff}.photo-band p{font-size:20px;color:#E4E9F0;margin:0}
.photo-band .caption{position:absolute;right:24px;left:24px;bottom:16px;text-align:right;font-size:14px;color:#fff;text-shadow:0 1px 3px rgba(0,0,0,.7)}
@media (max-width:700px){.photo-band .shade{background:rgba(14,29,48,.74)}}
.grid{display:flex;flex-wrap:wrap;gap:24px}
.card{flex:1 1 260px;min-width:0;background:#fff;border:1px solid var(--line);border-radius:8px;padding:32px;display:flex;flex-direction:column;gap:14px}
.card h3{font-family:var(--serif);font-weight:600;font-size:23px;margin:0}
.card p{margin:0;font-size:17px;color:var(--muted)}.card .grow{flex-grow:1}
.card.dark{background:var(--navy);border-color:var(--navy);color:#E4E9F0}.card.dark h3{color:var(--gold);font-family:var(--sans);font-size:21px}
.card.soft{background:var(--bg);border-color:var(--bg)}
.icon-circle{width:52px;height:52px;border-radius:50%;background:var(--tint);display:flex;align-items:center;justify-content:center}
.label{margin:0;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-t)}
.more{font-weight:700;font-size:16px}
.checks{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:10px}
.checks li{position:relative;padding-left:32px}
.checks li::before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238A5E14' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l4 4 10-10'/%3E%3C/svg%3E") no-repeat center/contain}
.bullets{margin:0;padding:0 0 0 20px;display:flex;flex-direction:column;gap:8px}
.split{display:flex;flex-wrap:wrap;gap:40px 64px;align-items:flex-start}.split>*{flex:1 1 360px;min-width:0}.split>.wide{flex:999 1 520px}
.steps{margin:0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:24px}
.steps li{flex:1 1 220px;border-top:3px solid var(--navy);padding-top:20px}
.steps .n{font-family:var(--serif);font-size:36px;font-weight:600;color:var(--gold-t);line-height:1}
.steps h3{margin:12px 0 8px;font-size:20px}.steps p{margin:0;font-size:17px;color:var(--muted)}
.pills{margin:0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:14px}
.pills li{flex:1 1 220px;background:#fff;border-radius:8px;padding:16px 20px 16px 50px;font-weight:600;color:var(--navy);position:relative}
.pills li::before{content:"";position:absolute;left:20px;top:50%;margin-top:-10px;width:20px;height:20px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238A5E14' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l4 4 10-10'/%3E%3C/svg%3E") no-repeat center/contain}
.resource{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px 32px;background:var(--navy);color:#fff;border-radius:8px;padding:28px 32px;margin-top:48px}
.resource .t{font-family:var(--serif);font-size:22px}.resource .k{font-size:14px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.rates{display:flex;flex-wrap:wrap;gap:20px}
.rate{flex:1 1 240px;border:1px solid var(--line);border-radius:8px;padding:32px;background:#fff}.rate.feature{border:2px solid var(--navy)}
.rate .k{font-weight:700;color:var(--muted)}.rate .v{font-family:var(--serif);font-size:48px;font-weight:600;color:var(--navy);line-height:1.1;margin:8px 0}.rate .d{color:var(--muted)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;background:#fff}
table{width:100%;border-collapse:collapse;font-size:17px}th,td{text-align:left;padding:14px 18px;border-top:1px solid var(--line)}
thead th{border-top:0;background:var(--bg);color:var(--muted)}thead th.hl{background:var(--navy);color:#fff}td{color:var(--muted)}td.hl{font-weight:600;color:var(--navy)}
.faq details{border-bottom:1px solid var(--line);padding:22px 0}
.faq summary{display:flex;justify-content:space-between;gap:16px;font-weight:700;font-size:20px;color:var(--navy);cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-t);font-size:24px;line-height:1}.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:14px 0 0;color:var(--muted)}
.quote{background:var(--navy);color:#fff;border-radius:8px;padding:36px}
.quote .q{font-family:var(--serif);font-size:24px;line-height:1.4;margin:0 0 20px}.quote .who{margin:0;color:#D5DCE6;font-size:16px}
.portrait{display:block;width:100%;aspect-ratio:1/1;object-fit:cover;object-position:center 30%;border-radius:8px}
.stack{display:flex;flex-direction:column;gap:24px}
.cta{background:var(--navy);color:#fff}
.cta .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px 40px;padding-top:56px;padding-bottom:56px}
.cta h2{color:#fff;margin:0 0 8px}.cta p{margin:0;color:#D5DCE6}
.contact-list{display:flex;flex-direction:column;gap:22px}
.ci{display:flex;gap:14px;align-items:flex-start;line-height:1.4}.ci svg{flex:none;margin-top:3px}
.ci .k{font-size:14px;color:var(--muted)}.ci .v{display:block;font-weight:700;color:var(--navy);text-decoration:none;overflow-wrap:anywhere}.ci .s{font-size:16px;color:var(--muted)}
.form{background:#fff;border-radius:8px;padding:clamp(24px,4vw,40px);display:flex;flex-wrap:wrap;gap:20px}
.field{flex:1 1 220px;display:flex;flex-direction:column;gap:6px}.field.full{flex-basis:100%}
.field label{font-weight:600;font-size:16px}
.field input,.field select,.field textarea{font:inherit;font-size:17px;padding:12px 14px;border:1px solid #8592A3;border-radius:6px;background:#fff;color:var(--ink)}
.hint{font-size:15px;color:var(--muted)}
.form button{font:inherit;font-weight:700;background:var(--navy);color:#fff;border:0;border-radius:6px;padding:16px 32px;cursor:pointer}
.social{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.social a{display:inline-flex;align-items:center;gap:10px;font-weight:700;text-decoration:none;border:1px solid var(--navy);border-radius:6px;padding:12px 20px;background:#fff}
.anchor{scroll-margin-top:24px}
.site-footer{background:var(--navy-d);color:#D5DCE6;font-size:16px}
.site-footer .main{display:flex;flex-wrap:wrap;gap:40px 64px;padding-top:56px;padding-bottom:32px}
.site-footer a{color:#D5DCE6;text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}
.f-brand{flex:2 1 280px}.f-col{flex:1 1 200px;display:flex;flex-direction:column;gap:8px}
.f-name{font-family:var(--serif);font-size:24px;font-weight:600;color:#fff}
.f-tag{margin:10px 0 0;font-family:var(--serif);font-style:italic;color:var(--gold)}
.f-land{margin:16px 0 0;font-size:15px;color:#A9B6C6}
.f-head{font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:#A9B6C6;font-weight:700;margin-bottom:4px}
.f-bottom{border-top:1px solid #263B57;padding-top:20px;padding-bottom:32px;font-size:14px;color:#A9B6C6}
@media (max-width:720px){body{font-size:17px}.nav{gap:6px 18px;font-size:15px}.card,.rate{padding:24px}.lead{font-size:18px}}

.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{flex-basis:100%;margin:0;padding:14px 16px;border-radius:6px;font-weight:600}
.form-status.ok{background:#E6F2EA;color:#1D5B33}
.form-status.err{background:#FBEAEA;color:#8A1F1F}
.rates.three .rate{flex:1 1 160px;padding:24px}
.rates.three .rate .v{font-size:40px}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px 24px}