:root{--navy:#0B2A66;--navy-dark:#081d4a;--teal:#2AA7B5;--teal-dark:#1d8795;--teal-soft:#e8f6f8;--ink:#1c2740;--muted:#55627d;--line:#dde5ee;--bg:#fff;--alt:#f5f9fc;
--serif:"Playfair Display",Georgia,"Times New Roman",serif;--sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dark)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .6em;font-weight:700}
h1{font-size:clamp(2.1rem,5vw,3.4rem)}
h2{font-size:clamp(1.65rem,3.4vw,2.35rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{width:min(1120px,100% - 40px);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:10px;top:10px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px;flex-wrap:wrap;padding:8px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand img{width:64px;height:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-family:var(--serif);font-weight:700;font-size:1.25rem;color:var(--navy);letter-spacing:.01em}
.brand-sub{font-size:.68rem;letter-spacing:.34em;color:var(--teal-dark);font-weight:600;margin-top:3px}
.nav{display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.nav a{text-decoration:none;color:var(--navy);font-weight:600;font-size:.97rem;padding:9px 14px;border-radius:8px}
.nav a:hover{background:var(--teal-soft)}
.nav a[aria-current="page"]{color:var(--teal-dark)}
.nav a.btn{color:#fff;margin-left:6px}
.nav a.btn:hover{background:var(--teal-dark)}
/* buttons */
.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;font-weight:700;padding:13px 26px;border-radius:999px;border:2px solid var(--teal);transition:.15s;font-size:1rem}
.btn:hover{background:var(--teal-dark);border-color:var(--teal-dark)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
/* hero */
.hero{background:linear-gradient(135deg,#fff 0%,var(--teal-soft) 100%);padding:clamp(44px,8vw,96px) 0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;color:var(--teal-dark);font-weight:700;text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;margin-bottom:14px}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:34em}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero-logo{background:#fff;border-radius:24px;padding:28px;box-shadow:0 20px 50px rgba(11,42,102,.12);border:1px solid var(--line)}
.audience-note{font-size:.9rem;color:var(--muted);margin-top:22px}
/* sections */
section{padding:clamp(52px,7vw,88px) 0}
.alt{background:var(--alt)}
.section-head{max-width:680px;margin:0 auto 44px;text-align:center}
.section-head p{color:var(--muted)}
.section-head h2::after{content:"";display:block;width:56px;height:4px;background:var(--teal);border-radius:2px;margin:16px auto 0}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:0 2px 10px rgba(11,42,102,.04)}
.card p{color:var(--muted);margin:0;font-size:.98rem}
.icon{width:46px;height:46px;border-radius:12px;background:var(--teal-soft);color:var(--teal-dark);display:grid;place-items:center;margin-bottom:16px}
.icon svg{width:24px;height:24px}
.steps{counter-reset:s}
.step{position:relative;padding-top:8px}
.step .num{width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--serif);font-size:1.4rem;font-weight:700;display:grid;place-items:center;margin-bottom:16px}
.step p{color:var(--muted)}
.disclaimer{max-width:760px;margin:36px auto 0;text-align:center;font-size:.92rem;color:var(--muted)}
/* contact */
.contact{background:var(--navy);color:#fff}
.contact h2{color:#fff}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.contact p{color:#cfdcf2}
.contact a{color:#8fe0ea}
.contact-list{list-style:none;padding:0;margin:24px 0 0}
.contact-list li{padding:14px 0;border-top:1px solid rgba(255,255,255,.16);display:flex;gap:14px;flex-wrap:wrap}
.contact-list strong{min-width:80px;color:#fff}
.placeholder{background:rgba(255,255,255,.14);border-radius:6px;padding:0 8px;font-weight:600;color:#fff}
.form-card{background:#fff;color:var(--ink);border-radius:18px;padding:28px}
.form-card h3{margin-bottom:.4em}
.form-card p{color:var(--muted)!important;font-size:.95rem}
label{display:block;font-weight:600;font-size:.9rem;margin:14px 0 6px;color:var(--navy)}
input,textarea{width:100%;font:inherit;padding:11px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
input:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(42,167,181,.2)}
textarea{min-height:110px;resize:vertical}
.form-card button{margin-top:18px;cursor:pointer;width:100%;font-family:inherit}
.form-note{font-size:.82rem!important;margin:12px 0 0!important}
/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:44px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}
.footer-grid img{width:200px;margin-bottom:12px}
.footer-grid h4{font-family:var(--serif);color:var(--navy);margin:0 0 12px;font-size:1.05rem}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin-bottom:8px}
.footer-grid a{text-decoration:none;color:var(--muted)}
.footer-grid a:hover{color:var(--teal-dark);text-decoration:underline}
.footer-grid p{color:var(--muted);font-size:.93rem}
.footer-bottom{border-top:1px solid var(--line);margin-top:32px;padding-top:20px;font-size:.85rem;color:var(--muted);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
/* legal */
.page-hero{background:linear-gradient(135deg,#fff,var(--teal-soft));padding:56px 0 40px;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(2rem,4.5vw,2.8rem);margin-bottom:.3em}
.page-hero p{color:var(--muted);margin:0}
.legal{padding:48px 0 72px}
.legal .container{max-width:800px}
.legal h2{font-size:1.45rem;margin-top:2em}
.legal ul{padding-left:1.3em}
.legal li{margin-bottom:.4em}
.template-note{background:var(--teal-soft);border-left:4px solid var(--teal);padding:14px 18px;border-radius:8px;font-size:.93rem;color:var(--ink)}
/* responsive */
@media(max-width:960px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr 1fr}.hero-grid,.contact-grid{grid-template-columns:1fr}.hero-logo{max-width:460px}}
@media(max-width:640px){body{font-size:16px}.g3,.g4{grid-template-columns:1fr}.header-inner{justify-content:center}.nav{justify-content:center}.nav a{padding:8px 10px;font-size:.92rem}.brand img{width:54px}.footer-grid{grid-template-columns:1fr}.hero-cta .btn{width:100%;text-align:center}.form-card{padding:22px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}
/* contact page + SMS */
.contact-page{background:var(--navy);color:#fff;padding:clamp(40px,6vw,72px) 0}
.contact-page h2{color:#fff}
.contact-page p{color:#cfdcf2}
.contact-page a{color:#8fe0ea}
.contact-page .form-card a{color:var(--teal-dark)}
.contact-page .form-card label{color:var(--navy)}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.consent{display:flex;gap:12px;align-items:flex-start;margin-top:18px;padding:14px;background:var(--alt);border:1px solid var(--line);border-radius:10px}
.consent input{width:20px;height:20px;flex:none;margin-top:3px;accent-color:var(--teal-dark)}
.consent label{margin:0;font-weight:400;font-size:.86rem;line-height:1.5;color:var(--ink)!important}
.sms-disclosure h2{font-size:1.6rem}
.sms-disclosure .container{max-width:860px}
.sms-disclosure ul{padding-left:1.3em}
.sms-disclosure li{margin-bottom:.5em}
.legal h3{font-size:1.1rem;margin-top:1.4em}
.form-card a.btn{color:#fff}