:root{--navy:#0B1B33;--navy2:#13284A;--ink:#0B1B33;--body:#334155;--muted:#64748B;--line:#E6E8EC;--line2:#D7DBE1;--bg:#FAFAF8;--white:#fff;--gold:#B08D57;--gold2:#9A7A48;--goldbg:#F7F2EA;--r:14px;--sh:0 1px 2px rgba(11,27,51,.04),0 8px 24px -12px rgba(11,27,51,.12);--ease:cubic-bezier(.2,.7,.2,1)}
*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:400 16px/1.6 Inter,system-ui,-apple-system,Segoe UI,sans-serif;color:var(--body);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}a{color:var(--navy)}
h1,h2,h3,h4{color:var(--ink);letter-spacing:-.025em;line-height:1.12;margin:0 0 .5em;font-weight:650}
h1{font-size:clamp(2.2rem,5vw,3.6rem);letter-spacing:-.035em}h2{font-size:clamp(1.6rem,3vw,2.25rem)}h3{font-size:1.12rem;letter-spacing:-.01em}
.container{max-width:1200px;margin:0 auto;padding:0 24px}.narrow{max-width:800px}
.grid12{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:32px}
.c4,.c5,.c6,.c7,.c8{grid-column:span 12}
@media(min-width:900px){.c4{grid-column:span 4}.c5{grid-column:span 5}.c6{grid-column:span 6}.c7{grid-column:span 7}.c8{grid-column:span 8}}
.i{flex:none;vertical-align:-.2em}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}
.adv{background:var(--navy);color:#C9B48E;text-align:center;font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;padding:6px;font-weight:500}
.eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold2);margin:0 0 14px}
.lead{font-size:1.15rem;color:var(--body);max-width:600px}.muted{color:var(--muted)}.small{font-size:.85rem;color:var(--muted)}.center{text-align:center}
.ph{display:inline-block;font-style:normal;font-size:.68rem;font-weight:600;color:#9A3412;background:#FFF1E6;border:1px dashed #F5B37F;border-radius:6px;padding:1px 6px;margin-top:3px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 22px;border-radius:10px;font:600 .95rem/1 Inter,sans-serif;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .2s,border-color .2s,transform .2s var(--ease),box-shadow .2s}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 1px 0 rgba(255,255,255,.08) inset,0 6px 16px -8px rgba(11,27,51,.5)}.btn-primary:hover{background:var(--navy2);transform:translateY(-1px)}
.btn-primary .i{transition:transform .2s var(--ease)}.btn-primary:hover .i{transform:translateX(3px)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line2)}.btn-ghost:hover{border-color:var(--navy)}
.btn-quiet{background:transparent;color:var(--muted);padding:0 8px}.btn-quiet:hover{color:var(--navy)}
.btn-sm{min-height:40px;padding:0 16px;font-size:.88rem}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;letter-spacing:-.02em;color:var(--navy);text-decoration:none;font-size:1.08rem}
.mark{display:grid;place-items:center;width:34px;height:34px;border-radius:9px;background:var(--navy);color:#E2CDA5}
.brand.light{color:#fff}.brand.light .mark{background:#fff;color:var(--navy)}
.menu{display:flex;align-items:center;gap:26px}.menu a{text-decoration:none;color:var(--body);font-weight:500;font-size:.92rem}.menu a:hover{color:var(--navy)}
.menu .btn{color:#fff}.hdr-phone{display:inline-flex;gap:6px;align-items:center;color:var(--navy)!important;font-weight:600!important;padding-left:22px;border-left:1px solid var(--line)}
.burger{display:none;width:44px;height:44px;cursor:pointer;position:relative}.burger span{position:absolute;left:11px;right:11px;height:1.6px;background:var(--navy);transition:transform .2s}.burger span:first-child{top:18px}.burger span:last-child{top:25px}
@media(max-width:960px){.burger{display:block}.menu{display:none;position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 24px 20px;box-shadow:var(--sh)}
.menu a{padding:14px 0;border-bottom:1px solid var(--line)}.hdr-phone{border-left:0;padding-left:0}.menu .btn{margin-top:14px;border:0}
#mnav:checked~.menu{display:flex}#mnav:checked~.burger span:first-child{transform:translateY(3.5px) rotate(45deg)}#mnav:checked~.burger span:last-child{transform:translateY(-3.5px) rotate(-45deg)}}
/* hero */
.hero{background:linear-gradient(180deg,#fff,var(--bg));padding:64px 0 72px;border-bottom:1px solid var(--line)}
.hero-grid{align-items:center}.hero h1 .accent{display:block;color:var(--gold2)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0 24px}
.checks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.9rem;color:var(--muted)}.checks li{display:flex;align-items:center;gap:6px}.checks .i{color:var(--gold)}
.hero-media{position:relative}.hero-media img{border-radius:20px;aspect-ratio:4/3.2;object-fit:cover;width:100%;box-shadow:0 30px 60px -30px rgba(11,27,51,.45)}
.float-card{position:absolute;left:-20px;bottom:28px;display:flex;gap:12px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 18px;box-shadow:var(--sh);max-width:290px}
.float-card b{display:block;color:var(--ink);font-size:.92rem}.float-card small{color:var(--muted);font-size:.8rem;line-height:1.35;display:block}
.fc-ic{display:grid;place-items:center;width:40px;height:40px;border-radius:10px;background:var(--goldbg);color:var(--gold2);flex:none}
@media(max-width:899px){.hero{padding:36px 0 44px}.float-card{left:12px;bottom:12px}.hero-media{margin-top:8px}}
/* trust */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust-in{display:grid;grid-template-columns:repeat(4,1fr)}.trust-in>div{display:flex;gap:14px;align-items:flex-start;padding:24px 20px;border-left:1px solid var(--line)}.trust-in>div:first-child{border-left:0;padding-left:0}
.trust .i{color:var(--gold);width:24px;height:24px;margin-top:2px}.trust b{display:block;color:var(--ink);font-size:.95rem}.trust span{font-size:.84rem;color:var(--muted);line-height:1.4}
@media(max-width:899px){.trust-in{grid-template-columns:1fr 1fr}.trust-in>div{padding:18px 12px;border-left:0;border-top:1px solid var(--line)}.trust-in>div:nth-child(-n+2){border-top:0}.trust-in>div:first-child{padding-left:12px}}
@media(max-width:420px){.trust-in{grid-template-columns:1fr}.trust-in>div:nth-child(2){border-top:1px solid var(--line)}}
/* sections */
.sec{padding:88px 0}.sec.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:700px){.sec{padding:60px 0}}
.sec-head{max-width:640px;margin-bottom:44px}.sec-head p:last-child{color:var(--muted)}
.svc-grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.svc{display:flex;flex-direction:column;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;transition:border-color .25s,box-shadow .25s,transform .25s var(--ease)}
.svc:hover{border-color:var(--line2);box-shadow:var(--sh);transform:translateY(-3px)}
.svc-ic{display:grid;place-items:center;width:48px;height:48px;border-radius:12px;background:var(--goldbg);color:var(--gold2);margin-bottom:20px}
.svc p{color:var(--muted);font-size:.92rem;flex:1;margin:0 0 18px}
.lnk{display:inline-flex;align-items:center;gap:6px;color:var(--navy);font-weight:600;font-size:.9rem;text-decoration:none}.svc:hover .lnk .i{transform:translateX(3px)}.lnk .i{transition:transform .2s}
.how>div{border-top:1px solid var(--line2);padding-top:24px}.num{display:block;font-size:.8rem;font-weight:600;color:var(--gold2);letter-spacing:.1em;margin-bottom:16px}.how p{color:var(--muted)}
.rv{opacity:0;transform:translateY(12px);transition:opacity .6s var(--ease),transform .6s var(--ease)}.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}
.callout{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--r);padding:28px 30px;margin:0 0 28px;box-shadow:var(--sh)}
.callout h3{margin-top:0}.callout ul{padding-left:18px;margin:0 0 12px}.callout li{margin:8px 0}.callout strong{color:var(--ink)}
.faq{border-bottom:1px solid var(--line)}.faq:first-child{border-top:1px solid var(--line)}
.faq summary{list-style:none;display:flex;justify-content:space-between;gap:20px;padding:22px 0;font-weight:600;color:var(--ink);cursor:pointer}.faq summary::-webkit-details-marker{display:none}
.pm{position:relative;width:14px;height:14px;flex:none;margin-top:5px}.pm:before,.pm:after{content:"";position:absolute;left:0;right:0;top:6px;height:1.6px;background:var(--navy);transition:transform .25s}.pm:after{transform:rotate(90deg)}
.faq[open] .pm:after{transform:rotate(0)}.faq p{margin:0 0 22px;color:var(--body);max-width:680px}
/* service pages */
.phero{background:#fff;border-bottom:1px solid var(--line);padding:48px 0 56px}.phero h1{max-width:820px}
.crumbs{font-size:.84rem;color:var(--muted);margin-bottom:28px;display:flex;gap:8px}.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--navy)}
.phero-ic{display:grid;place-items:center;width:56px;height:56px;border-radius:14px;background:var(--goldbg);color:var(--gold2);margin-bottom:22px}
.prose{font-size:1.04rem;line-height:1.75}.prose h2{margin-top:52px}.prose strong{color:var(--ink)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 40px}.steps li{counter-increment:s;position:relative;padding:16px 0 16px 52px;border-bottom:1px solid var(--line)}
.steps li:before{content:counter(s,decimal-leading-zero);position:absolute;left:0;top:16px;font-size:.8rem;font-weight:600;color:var(--gold2);letter-spacing:.06em}
.side{position:sticky;top:96px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--sh)}.side .btn{width:100%}
.side-phone{display:flex;justify-content:center;gap:6px;align-items:center;margin-top:14px;font-size:.9rem;font-weight:600;text-decoration:none}
.chips{display:flex;flex-wrap:wrap;gap:10px}.chip{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0 16px;border-radius:999px;background:var(--bg);border:1px solid var(--line);text-decoration:none;color:var(--ink);font-size:.92rem;transition:border-color .2s}.chip:hover{border-color:var(--navy)}.chip .i{color:var(--gold2)}
/* CTA + footer */
.cta-band{position:relative;overflow:hidden;background:var(--navy);color:#fff;text-align:center}
.cta-band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.28}
.cta-band:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,27,51,.6),rgba(11,27,51,.85))}
.cta-in{position:relative;z-index:1;padding:96px 24px}.cta-band h2{color:#fff}.cta-band p{color:#CBD5E1;margin:0 0 28px}
.cta-band .btn-primary{background:#fff;color:var(--navy)}.cta-band .btn-primary:hover{background:#F1F5F9}
.ftr{background:var(--navy);color:#AEB8C7;padding:64px 0 28px;font-size:.92rem;border-top:1px solid rgba(255,255,255,.08)}
.ftr h4{color:#fff;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:16px}
.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin:8px 0}.ftr a{color:#AEB8C7;text-decoration:none}.ftr a:hover{color:#fff}
.legal{margin-top:44px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);font-size:.78rem;color:#7F8BA0;line-height:1.6}.legal a{text-decoration:underline}
/* intake */
.intake{padding:48px 0 72px}.ihead{margin-bottom:28px}.ihead h1{font-size:clamp(1.9rem,4vw,2.6rem)}
.wiz{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--sh);padding:28px}@media(min-width:640px){.wiz{padding:40px}}
.seg{display:flex;gap:4px}.seg span{flex:1;height:4px;border-radius:2px;background:var(--line);transition:background .4s var(--ease)}.seg span.on{background:var(--navy)}.seg span.cur{background:var(--gold)}
.meta{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin:14px 0 30px;letter-spacing:.08em;text-transform:uppercase;font-weight:500}
.step h2{font-size:1.6rem;margin-bottom:6px}.sub{color:var(--muted);margin:0 0 28px}
.step.anim{animation:stepIn .35s var(--ease)}.step.out{opacity:0;transform:translateY(-6px);transition:opacity .16s,transform .16s}
@keyframes stepIn{from{opacity:0;transform:translateY(8px)}}
.grid{display:grid;gap:22px}@media(min-width:640px){.grid{grid-template-columns:1fr 1fr}.full{grid-column:1/-1}}
label.f,div.f{display:block;font-weight:500;font-size:.92rem;color:var(--ink)}label.f>span,div.f>label.f>span{display:block;margin-bottom:8px}.req{color:var(--gold2);font-weight:600}
input[type=text],input[type=tel],input[type=email],input[type=date],input[type=time],select,textarea{width:100%;min-height:50px;padding:12px 14px;border:1px solid var(--line2);border-radius:10px;font:inherit;font-size:16px;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s;-webkit-appearance:none;appearance:none}
select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%2364748B' stroke-width='1.6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
textarea{min-height:110px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,27,51,.08)}
.err input,.err select,.err textarea{border-color:#B42318}.err .opt span{border-color:#F3B4AE}.emsg{color:#B42318;font-size:.8rem;margin-top:6px;display:none;font-weight:500}.err .emsg{display:block}
.opts{display:grid;gap:10px;grid-template-columns:repeat(auto-fill,minmax(150px,1fr))}
.opt{position:relative;display:block}.opt input{position:absolute;opacity:0;pointer-events:none}
.opt span{display:flex;align-items:center;gap:10px;min-height:52px;height:100%;padding:12px 16px;border:1px solid var(--line2);border-radius:12px;background:#fff;cursor:pointer;font-size:.93rem;font-weight:500;color:var(--ink);transition:border-color .15s,background .15s,box-shadow .15s}
.opt span:before{content:"";flex:none;width:18px;height:18px;border:1.6px solid var(--line2);border-radius:50%;transition:all .15s;background:#fff center/10px no-repeat}
.opt input[type=checkbox]+span:before{border-radius:5px}
.opt span:hover{border-color:var(--muted)}
.opt input:checked+span{border-color:var(--navy);background:#F5F7FA;box-shadow:0 0 0 1px var(--navy) inset}
.opt input:checked+span:before{border-color:var(--navy);background-color:var(--navy);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2.5 6.2l2.3 2.3 4.7-4.9' fill='none' stroke='white' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E")}
.opt input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.cards{grid-template-columns:repeat(auto-fill,minmax(140px,1fr))}
.cards .opt span{flex-direction:column;align-items:flex-start;gap:14px;padding:18px 16px;min-height:104px;position:relative}
.cards .opt span:before{position:absolute;top:14px;right:14px}
.cards .opt i{display:grid;place-items:center;width:40px;height:40px;border-radius:10px;background:var(--goldbg);color:var(--gold2)}
.cards .opt input:checked+span i{background:var(--navy);color:#fff}
.sub-q{grid-column:1/-1;padding-left:16px;border-left:2px solid var(--gold)}.sub-q.reveal{animation:subIn .3s var(--ease)}
@keyframes subIn{from{opacity:0;transform:translateY(-4px)}}
.wnav{display:flex;justify-content:space-between;align-items:center;margin-top:36px;padding-top:24px;border-top:1px solid var(--line)}.wnav .btn-primary{margin-left:auto;min-width:150px}
.review section{border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:12px}
.review h3{display:flex;justify-content:space-between;font-size:.98rem}.review h3 a{font-size:.82rem;color:var(--gold2);cursor:pointer;font-weight:600}
.review dl{display:grid;grid-template-columns:minmax(120px,40%) 1fr;gap:6px 14px;margin:0;font-size:.88rem}.review dt{color:var(--muted)}.review dd{margin:0;color:var(--ink)}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);padding:16px;border-radius:12px;font-size:.9rem;margin-top:20px;cursor:pointer}.consent input{width:18px;height:18px;margin-top:2px;accent-color:var(--navy)}
.disclaimer{font-size:.85rem;color:var(--muted);border-left:2px solid var(--gold);padding-left:14px;margin-top:20px}
.done{text-align:center;padding:12px 0}.check{width:64px;height:64px;border-radius:50%;margin:0 auto 20px;display:grid;place-items:center;background:var(--goldbg);color:var(--gold2)}.done .disclaimer{text-align:left}
.wiz{scroll-margin-top:90px}
.hint{display:block;margin-top:6px;font-size:.8rem;color:var(--muted);font-weight:400}
.brand img{height:42px;width:auto}@media(max-width:420px){.brand img{height:36px}}