:root{
  --navy:#13294b; --navy-2:#1d3a66; --ink:#1b2333; --muted:#566178; --line:#e3e7ee;
  --bg:#ffffff; --soft:#f5f7fb; --accent:#d98e2b; --accent-dark:#b8731b; --ok:#1f7a4d;
  --radius:12px; --max:1120px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --serif:Georgia,"Iowan Old Style","Times New Roman",serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img,svg{max-width:100%}
a{color:var(--navy-2)}
a:hover{color:var(--accent-dark)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:10}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.1rem);letter-spacing:-.01em}
h2{font-size:clamp(1.55rem,3vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.lead{font-size:1.15rem;color:var(--muted)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--accent-dark);margin-bottom:.6em}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand svg{width:34px;height:34px;flex:none}
.brand-name{font-family:var(--serif);font-size:1.25rem;font-weight:700;letter-spacing:-.01em;white-space:nowrap}
.brand-name span{color:var(--accent-dark)}
.nav{display:flex;gap:22px;align-items:center}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.98rem}
.nav a[aria-current="page"]{color:var(--navy);box-shadow:inset 0 -2px 0 var(--accent)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font:inherit;color:var(--navy);cursor:pointer}
@media (max-width:760px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;flex-direction:column;align-items:flex-start;padding:12px 20px 18px;border-bottom:1px solid var(--line);gap:14px}
  .nav.open{display:flex}
  .nav .btn{width:100%;text-align:center}
}

/* buttons */
.btn{display:inline-block;background:var(--accent);color:#fff !important;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:999px;border:0;font:inherit;font-weight:700;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--accent-dark)}
.btn-sm{padding:9px 16px;font-size:.95rem}
.btn-ghost{background:transparent;color:var(--navy) !important;border:2px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff !important}
.btn-light{background:transparent;color:#fff !important;border:2px solid rgba(255,255,255,.7)}
.btn-light:hover{background:#fff;color:var(--navy) !important}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:1.4em}

/* sections */
section{padding:72px 0}
.soft{background:var(--soft)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:84px 0 76px}
.hero h1{color:#fff;max-width:17ch}
.hero .lead{color:#d6deeb;max-width:58ch}
.hero .eyebrow{color:#f2b766}
.hero-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:48px;align-items:center}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:26px;box-shadow:0 20px 40px rgba(0,0,0,.18)}
.hero-card h3{margin-bottom:.4em}
.hero-card ul{margin:0;padding-left:0;list-style:none}
.hero-card li{padding:9px 0 9px 30px;border-bottom:1px solid var(--line);position:relative}
.hero-card li:last-child{border-bottom:0}
.hero-card li::before{content:"";position:absolute;left:0;top:13px;width:18px;height:18px;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath d='M8.2 13.6 4.6 10l-1.2 1.2 4.8 4.8 9-9-1.2-1.2z'/%3E%3C/svg%3E") center/14px no-repeat}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.hero{padding:56px 0}}

.free-note{border:2px solid var(--accent);background:#fff8ee;border-radius:var(--radius);padding:22px 24px;display:flex;gap:16px;align-items:flex-start}
.free-note svg{flex:none;width:28px;height:28px;color:var(--accent-dark);margin-top:2px}
.free-note p:last-child{margin:0}
.free-band{padding:36px 0}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step;margin-top:28px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative}
.step::before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:14px}
.step p{margin:0;color:var(--muted);font-size:.97rem}
@media (max-width:960px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media (max-width:860px){.two{grid-template-columns:1fr}}
.fee-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:30px}
.fee-box h3{color:#fff}
.fee-big{font-family:var(--serif);font-size:3.2rem;font-weight:700;color:#f2b766;line-height:1;margin:.1em 0 .2em}
.fee-box ul{padding-left:1.1em;margin:0}
.fee-box li{margin:.35em 0;color:#dfe6f1}
.check{list-style:none;padding:0;margin:0}
.check li{padding-left:28px;position:relative;margin:.55em 0}
.check li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}

.types{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.type{border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;background:#fff}
.type strong{display:block;color:var(--navy);margin-bottom:2px}
.type span{color:var(--muted);font-size:.95rem}
@media (max-width:860px){.types{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.types{grid-template-columns:1fr}}

.faq{max-width:820px}
.faq details{border:1px solid var(--line);border-radius:10px;background:#fff;margin:0 0 12px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;position:relative;padding-right:28px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--accent-dark)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted)}

.cta{background:var(--navy);color:#fff;text-align:center}
.cta h2{color:#fff}
.cta p{color:#d6deeb;max-width:60ch;margin-left:auto;margin-right:auto}
.cta .actions{justify-content:center}

/* content pages */
.page-head{background:var(--soft);border-bottom:1px solid var(--line);padding:52px 0 40px}
.page-head p{max-width:65ch}
.prose{max-width:780px;padding:48px 20px 72px;margin:0 auto}
.prose h2{font-size:1.5rem;margin-top:1.6em}
.prose h3{margin-top:1.3em}
.prose ul{padding-left:1.2em}
.prose li{margin:.35em 0}
.draft-banner{background:#fff4e0;border:1px dashed var(--accent-dark);border-radius:10px;padding:14px 18px;margin-bottom:28px;font-size:.95rem}
.ph{background:#fff1c9;border-radius:4px;padding:0 4px;font-weight:600;color:#7a4b00}
.callout{background:var(--soft);border-left:4px solid var(--navy);padding:16px 20px;border-radius:0 10px 10px 0;margin:1.2em 0}

/* forms */
form .field{margin-bottom:16px}
label{display:block;font-weight:600;color:var(--navy);margin-bottom:6px;font-size:.96rem}
label .opt{color:var(--muted);font-weight:400}
input,textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #c9d1de;border-radius:8px;background:#fff;color:var(--ink)}
input:focus,textarea:focus{outline:3px solid rgba(217,142,43,.35);border-color:var(--accent)}
textarea{min-height:140px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:560px){.row2{grid-template-columns:1fr}}
.hp{position:absolute;left:-9999px}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;color:var(--muted);font-size:.93rem}
.consent input{width:auto;margin-top:5px}
.form-note{font-size:.9rem;color:var(--muted)}
.form-status{margin-top:12px;font-weight:600}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.contact-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:32px;padding:48px 0 72px}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}

/* footer */
.site-footer{background:#0d1d36;color:#b9c4d6;font-size:.92rem;padding:48px 0 28px}
.site-footer a{color:#e6ecf5}
.site-footer .brand{color:#fff;margin-bottom:10px}
.site-footer .brand-name span{color:#f2b766}
.foot-grid{display:grid;grid-template-columns:1.2fr 2fr;gap:36px}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr}}
.foot-links{list-style:none;padding:0;margin:12px 0 0;display:flex;flex-wrap:wrap;gap:8px 18px}
.disclaimer p{margin:0 0 .7em}
.copy{border-top:1px solid #23395d;margin-top:28px;padding-top:18px;font-size:.85rem}