:root{--navy:#0f2740;--navy-2:#1a3a5c;--gold:#c9922a;--gold-2:#e8a832;--gold-soft:#fdf6ea;--cream:#fafaf7;--white:#ffffff;--ink:#18181a;--ink-2:#3d3d42;--muted:#78777f;--border:#e2e0db;--danger:#b82525;--danger-bg:#fef2f2;--success:#1a6e4a;--font-h:'Playfair Display',Georgia,serif;--font-b:'Outfit',system-ui,sans-serif;--max:1240px;--r:14px;--r-lg:22px;--s:0 6px 30px rgba(15,39,64,.1);--s-lg:0 16px 60px rgba(15,39,64,.15);}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{background:var(--cream);color:var(--ink);font-family:var(--font-b);line-height:1.7;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}p{margin-bottom:1rem}p:last-child{margin-bottom:0}
h1,h2,h3{font-family:var(--font-h);line-height:1.15}
h1{font-size:clamp(2.4rem,5vw,3.8rem);font-weight:900}
h2{font-size:clamp(1.8rem,3vw,2.6rem);font-weight:700}
h3{font-size:1.3rem;font-weight:700}
.wrap{width:min(var(--max),92%);margin:0 auto}
.u-strip{background:var(--navy);padding:.5rem 0;font-size:.78rem;color:rgba(255,255,255,.8)}
.u-strip-inner{display:flex;justify-content:space-between;flex-wrap:wrap;gap:.4rem}
.site-header{position:sticky;top:0;z-index:100;background:rgba(250,250,247,.96);backdrop-filter:blur(16px);border-bottom:2px solid var(--border)}
.header-wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.9rem 0}
.logo{display:flex;align-items:center;gap:.6rem}
.logo-icon{width:38px;height:38px;border-radius:10px;background:var(--navy);display:grid;place-items:center;font-size:1.1rem;flex-shrink:0}
.logo-text{font-family:var(--font-h);font-size:1rem;font-weight:700;color:var(--navy);line-height:1.2}
.logo-text span{color:var(--gold)}
.main-nav{display:flex;align-items:center;gap:1.6rem}
.main-nav a{font-size:.88rem;font-weight:500;color:var(--ink-2);transition:color .15s}
.main-nav a:hover,.main-nav a.active{color:var(--navy)}
.nav-cta{background:var(--gold);color:var(--navy)!important;font-weight:700!important;padding:.55rem 1.3rem;border-radius:999px;font-size:.85rem!important}
.nav-cta:hover{background:var(--gold-2)!important}
.section{padding:4.5rem 0}.section-alt{background:#fff}.section-gold{background:var(--gold-soft)}
.section-header{text-align:center;max-width:720px;margin:0 auto 3rem}
.section-header h2{color:var(--navy);margin-bottom:.75rem}
.section-header p{color:var(--muted);font-size:1rem}
.eyebrow{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.7rem}
.eyebrow-danger{color:var(--danger)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;border-radius:999px;padding:.9rem 2rem;font-family:var(--font-b);font-weight:700;font-size:.93rem;border:none;cursor:pointer;transition:all .18s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 6px 20px rgba(201,146,42,.35)}
.btn-gold:hover{background:var(--gold-2)}
.btn-outline{background:transparent;border:2px solid var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-lg{padding:1rem 2.5rem;font-size:1rem}
.btn-sm{padding:.55rem 1.3rem;font-size:.82rem}
.page-hero{background:linear-gradient(155deg,var(--navy) 0%,var(--navy-2) 100%);padding:4rem 0}
.page-hero-inner{max-width:800px}
.page-hero .eyebrow{color:var(--gold-2)}
.page-hero h1{color:#fff;margin-bottom:1rem}
.page-hero .lead{font-size:1.05rem;color:rgba(255,255,255,.8);margin:0}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.card{background:#fff;border:1.5px solid var(--border);border-radius:var(--r-lg);overflow:hidden;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--s-lg)}
.card-icon{font-size:2rem;padding:1.3rem 1.3rem .4rem}
.card-body{padding:0 1.3rem 1.4rem}
.card h3{color:var(--navy);font-size:1.1rem;margin-bottom:.4rem}
.card p{color:var(--muted);font-size:.87rem;margin:0;line-height:1.6}
.cost-table-wrap{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--s)}
.cost-table{width:100%;border-collapse:collapse;background:#fff;font-size:.88rem}
.cost-table th{background:var(--navy);color:#fff;padding:.9rem 1.1rem;text-align:left;font-weight:600;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase}
.cost-table td{padding:.85rem 1.1rem;border-bottom:1.5px solid var(--border)}
.cost-table tr:last-child td{border-bottom:none}
.cost-table .price{font-weight:700;color:var(--gold);font-family:var(--font-h);font-size:.97rem}
.cost-table tr:hover td{background:var(--gold-soft)}
.warn-box{background:var(--danger-bg);border-left:4px solid var(--danger);border-radius:var(--r);padding:1.1rem 1.4rem;margin:1.4rem 0;font-size:.88rem}
.warn-box strong{color:var(--danger)}
.info-box{background:rgba(15,39,64,.05);border-left:4px solid var(--navy);border-radius:var(--r);padding:1.1rem 1.4rem;margin:1.4rem 0;font-size:.88rem}
.gold-box{background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:var(--r);padding:1.1rem 1.4rem;margin:1.4rem 0;font-size:.88rem}
.prose{max-width:820px}
.prose h2{color:var(--navy);margin:2rem 0 .75rem}
.prose h3{color:var(--navy);margin:1.5rem 0 .5rem;font-size:1.15rem}
.prose ul,.prose ol{padding-left:1.4rem;margin-bottom:1rem}
.prose li{margin-bottom:.4rem;font-size:.93rem;color:var(--ink-2)}
.split-layout{display:grid;grid-template-columns:1fr .42fr;gap:2.5rem;align-items:start}
.sidebar-card{background:#fff;border:1.5px solid var(--border);border-radius:var(--r-lg);padding:1.4rem;box-shadow:var(--s);margin-bottom:1.2rem}
.sidebar-card h4{color:var(--navy);margin-bottom:.7rem;font-size:1rem}
.sidebar-card a{display:block;color:var(--gold);font-size:.86rem;margin:.35rem 0;font-weight:500}
.sidebar-card a:hover{text-decoration:underline}
.tl{position:relative;padding-left:1.8rem}
.tl::before{content:"";position:absolute;left:.55rem;top:.5rem;bottom:.5rem;width:2px;background:var(--border)}
.tl-item{position:relative;margin-bottom:1.3rem}
.tl-item::before{content:"";position:absolute;left:-1.25rem;top:.55rem;width:12px;height:12px;border-radius:50%;background:var(--gold);border:2px solid var(--cream)}
.tl-label{font-size:.7rem;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:.08em;margin-bottom:.25rem}
.tl-item h4{color:var(--navy);font-size:.97rem;margin-bottom:.2rem}
.tl-item p{font-size:.84rem;color:var(--muted);margin:0}
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:var(--r-lg);padding:2.5rem;text-align:center;margin:3rem 0}
.cta-band h2{color:#fff;margin-bottom:.6rem}
.cta-band p{color:rgba(255,255,255,.8);margin-bottom:1.5rem}
.rf-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
.rf-item{background:var(--danger-bg);border:1.5px solid rgba(184,37,37,.15);border-radius:var(--r);padding:1.2rem;display:flex;gap:.8rem;align-items:flex-start}
.rf-num{width:28px;height:28px;border-radius:50%;background:var(--danger);color:#fff;font-weight:700;font-size:.82rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.rf-item h4{color:var(--danger);margin-bottom:.25rem;font-size:.9rem}
.rf-item p{font-size:.82rem;color:var(--ink-2);margin:0;line-height:1.55}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.process-step{background:var(--cream);border:1.5px solid var(--border);border-radius:var(--r-lg);padding:1.6rem;text-align:center}
.step-num{width:46px;height:46px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:900;font-size:1.1rem;display:flex;align-items:center;justify-content:center;margin:0 auto .9rem}
.process-step h3{color:var(--navy);font-size:1rem;margin-bottom:.4rem}
.process-step p{color:var(--muted);font-size:.83rem;margin:0}
.faq-wrap{max-width:820px;margin:0 auto}
.faq-item{border-bottom:1.5px solid var(--border)}
.faq-q{padding:1.1rem 0;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;font-family:var(--font-h);font-size:1rem}
.faq-q::after{content:"expand";font-family:var(--font-b);font-size:.75rem;color:var(--gold);flex-shrink:0;background:var(--gold-soft);padding:.2rem .6rem;border-radius:4px;font-weight:700;transition:all .2s}
.faq-item.open .faq-q::after{content:"close";background:var(--danger-bg);color:var(--danger)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s;color:var(--ink-2);font-size:.9rem;line-height:1.75}
.faq-item.open .faq-a{padding-bottom:1.2rem;max-height:600px}
.footer{background:var(--navy);color:rgba(255,255,255,.7);padding:4rem 0 2rem;margin-top:4rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:2rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.1)}
.footer h5{color:#fff;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;margin-bottom:.9rem}
.footer a{display:block;color:rgba(255,255,255,.6);font-size:.83rem;margin:.35rem 0;transition:color .15s}
.footer a:hover{color:var(--gold-2)}
.footer-bottom{padding-top:1.4rem;display:flex;justify-content:space-between;font-size:.74rem;color:rgba(255,255,255,.35);flex-wrap:wrap;gap:.4rem}
@media(max-width:1024px){.grid-3,.process-grid,.split-layout{grid-template-columns:repeat(2,1fr);gap:1.2rem}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:768px){.grid-2,.grid-3,.grid-4,.rf-grid,.process-grid,.split-layout{grid-template-columns:1fr}.main-nav{display:none}.footer-grid{grid-template-columns:1fr}.section{padding:3rem 0}}