:root{--navy:#0f2240;--navy2:#16325c;--gold:#c9a24a;--gold-d:#9a7a2c;--cream:#f6f2ea;--cream2:#efe8db;--ink:#1d2433;--muted:#5b6474;--line:#e3dccd;--serif:"Newsreader",Georgia,serif;--sans:"DM Sans",system-ui,-apple-system,Segoe UI,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;font:16px/1.65 var(--sans);color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased}
img,svg{display:block}a{color:var(--navy2)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.15;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5.2vw,3.7rem);color:#fff;letter-spacing:-.01em}h1 em{color:var(--gold);}
h2{font-size:clamp(1.9rem,3.6vw,2.6rem)}h3{font-size:1.3rem}h4{font-size:1.15rem;margin:.6em 0 .3em}
p{margin:0 0 1em}.lead{font-size:1.1rem;color:var(--muted)}
.container{width:min(1120px,100% - 40px);margin-inline:auto}.narrow{width:min(820px,100% - 40px)}.center{text-align:center}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;z-index:99}.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.eyebrow{display:block;font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-d);margin-bottom:12px}
.btn{display:inline-block;padding:13px 24px;border-radius:6px;font-weight:600;font-size:.95rem;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;transition:.2s}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#d8b45e}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy2)}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.1)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(246,242,234,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--serif);font-size:1.35rem;color:var(--navy)}
.logo em{color:var(--gold-d)}.logo-mark{width:28px;height:28px;color:var(--navy)}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.nav-links a:not(.btn){text-decoration:none;color:var(--ink);font-size:.93rem;font-weight:500}.nav-links a:not(.btn):hover{color:var(--gold-d)}
.nav-links .btn{padding:10px 18px;color:#fff}
.nav-toggle{display:none;background:none;border:0;padding:8px;color:var(--navy);cursor:pointer}.nav-toggle svg{width:26px;height:26px}
.hero{background:radial-gradient(1200px 500px at 85% -10%,#24477a 0,transparent 60%),linear-gradient(160deg,#0b1a33,var(--navy) 55%,#132b50);color:#d6deea;padding:96px 0 104px}
.hero-grid{display:grid;grid-template-columns:1.6fr 1fr;gap:56px;align-items:center}
.hero .lead{color:#c3cddc;max-width:600px}
.badge{display:inline-block;border:1px solid rgba(201,162,74,.55);color:var(--gold);background:rgba(201,162,74,.08);border-radius:99px;padding:6px 14px;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;margin-bottom:24px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.hero-card{border:1px solid rgba(201,162,74,.35);background:rgba(255,255,255,.04);border-radius:14px;padding:34px 30px;text-align:center}
.hero-shield{width:64px;height:64px;color:#fff;margin:0 auto 16px}
.hc-name{font-family:var(--serif);font-size:1.6rem;color:#fff;margin:0}.hc-cred{color:var(--gold);font-weight:700;letter-spacing:.12em;margin:4px 0 12px}.hc-role{font-size:.9rem;color:#b5c0d1;margin:0}
.stats{background:#fff;border-bottom:1px solid var(--line)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;padding:28px 0}
.stats-grid div{padding:0 12px;border-left:1px solid var(--line)}.stats-grid div:first-child{border:0}
.stats b{display:block;font-family:var(--serif);font-weight:500;font-size:1.6rem;color:var(--navy)}.stats span{font-size:.83rem;color:var(--muted)}
.section{padding:96px 0}.alt{background:var(--cream2)}
.section-head{text-align:center;max-width:680px;margin:0 auto 52px}
.about{display:grid;grid-template-columns:1.3fr 1fr;gap:64px;align-items:center}
.checks{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:10px}
.checks li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:8px;padding:12px 16px;font-size:.95rem}
.checks svg,.notice svg{width:20px;height:20px;flex:none;color:var(--gold-d);margin-top:2px}
.pull{margin:0;background:var(--navy);color:#fff;border-radius:14px;padding:44px 36px;position:relative;box-shadow:0 24px 50px -24px rgba(15,34,64,.5)}
.pull:before{content:"“";position:absolute;top:-6px;left:26px;font-family:var(--serif);font-size:6rem;color:var(--gold);line-height:1}
.pull blockquote{margin:24px 0 18px;font-family:var(--serif);font-size:1.4rem;line-height:1.45}
.pull figcaption{color:var(--gold);font-size:.85rem;letter-spacing:.06em}
.services{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px 24px;transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 36px -22px rgba(15,34,64,.35);border-color:#d6c9a8}
.card p{color:var(--muted);font-size:.93rem;margin:0}
.num{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--gold);margin-bottom:14px}
.quote-note{text-align:center;margin:36px 0 0;color:var(--muted)}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}
.steps li{padding:30px 26px;border-top:2px solid var(--gold);background:#fff;border-radius:0 0 12px 12px}
.steps p{color:var(--muted);margin:0}
.step-num{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:var(--serif);font-size:1.25rem;margin-bottom:16px}
.sub-head{text-align:center;font-size:1.9rem;margin:80px 0 32px}
.gains{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center}
.gains div{padding:28px 20px;border:1px solid var(--line);border-radius:12px;background:var(--cream)}
.gains svg{width:42px;height:42px;padding:10px;margin:0 auto;border-radius:50%;background:var(--navy);color:var(--gold)}
.gains p{font-size:.9rem;color:var(--muted);margin:0}
.chips{list-style:none;padding:0;margin:28px 0;display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.chips li{background:#fff;border:1px solid var(--line);border-radius:99px;padding:10px 20px;font-size:.93rem;font-weight:500}

.notice{display:flex;gap:14px;text-align:left;max-width:680px;margin:0 auto;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:8px;padding:18px 22px}
.notice p{margin:0}.who{margin:28px auto 0;max-width:760px;color:var(--muted);font-size:.95rem}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;padding:18px 0;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-size:1.4rem;color:var(--gold-d);line-height:1}
.faq details[open] summary:after{content:"−"}.faq details p{color:var(--muted);margin:0 0 18px}
.disclaimer-band{background:var(--navy);color:#c9d2df;padding:36px 0;text-align:center;font-size:.95rem;border-bottom:1px solid rgba(255,255,255,.08)}
.disclaimer-band p{margin:0}.disclaimer-band strong{color:var(--gold)}
.cta-band{background:linear-gradient(160deg,#132b50,var(--navy));color:#c9d2df;padding:80px 0}.cta-band h2{color:#fff}.cta-band p{margin-bottom:26px}
.contact{display:grid;grid-template-columns:1fr 1.25fr;gap:56px;align-items:start}
.contact-info{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:18px}
.contact-info li{display:flex;gap:14px;align-items:center}
.contact-info .icon{width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;flex:none}
.contact-info svg{width:20px;height:20px}.contact-info small{display:block;color:var(--muted);font-size:.78rem;text-transform:uppercase;letter-spacing:.1em}
.contact-info a{font-weight:600;text-decoration:none}
.form{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px;box-shadow:0 24px 50px -30px rgba(15,34,64,.35)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{margin-bottom:16px}
label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px;color:var(--navy)}
input,select,textarea{width:100%;font:inherit;font-size:.95rem;padding:11px 13px;border:1px solid #d5cdbd;border-radius:7px;background:#fdfcf9;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
textarea{min-height:120px;resize:vertical}.form .btn{width:100%}
.form-note{font-size:.85rem;color:var(--muted);margin:14px 0 0;text-align:center}
.hp{position:absolute;left:-9999px}
.thanks{background:#eef6ee;border:1px solid #b9d8b9;color:#1f5130;border-radius:8px;padding:14px 16px;margin-bottom:18px}
footer{background:#0b1a33;color:#a9b4c6;padding:56px 0 32px;font-size:.9rem}
footer a{color:#dfe5ee}footer .logo{color:#fff}footer .logo-mark{color:#fff}footer .logo em{color:var(--gold)}
.foot{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot p{margin:12px 0 0}.foot-links{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:20px}.foot-links a{text-decoration:none}
.disclaimer{font-size:.8rem;margin:24px 0 0;line-height:1.6}
@media (max-width:960px){.services,.gains{grid-template-columns:repeat(2,1fr)}.hero-grid,.about,.contact{grid-template-columns:1fr;gap:40px}.hero-card{max-width:420px}.stats-grid{grid-template-columns:repeat(2,1fr);gap:20px 0}.stats-grid div:nth-child(3){border:0}}
@media (max-width:820px){.nav-toggle{display:block}.nav-links{display:none;position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--cream);border-bottom:1px solid var(--line);padding:8px 20px 20px}.nav-links.open{display:flex}.nav-links li a:not(.btn){display:block;padding:12px 0;border-bottom:1px solid var(--line)}.nav-links .btn{margin-top:14px;text-align:center}}
@media (max-width:600px){.section{padding:68px 0}.hero{padding:64px 0 72px}.services,.gains,.steps,.row{grid-template-columns:1fr}.form{padding:22px}.sub-head{margin-top:56px}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.modes{display:grid;grid-template-columns:1fr 1.3fr;gap:20px;margin:32px auto 28px;text-align:left;max-width:960px}
.mode{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px 26px}
.mode p{color:var(--muted);margin:0}.mode .chips{justify-content:flex-start;margin:16px 0 0;gap:10px}
.mode .chips li{background:var(--cream);padding:8px 16px}
.mode-tag{display:inline-block;background:var(--navy);color:var(--gold);font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;border-radius:99px;padding:5px 12px;margin-bottom:14px}
@media (max-width:760px){.modes{grid-template-columns:1fr}}