:root {
  --navy: #14233c;
  --navy-2: #1d3253;
  --ink: #1f2933;
  --muted: #52606d;
  --line: #d9dee5;
  --paper: #ffffff;
  --sand: #f5f3ee;
  --gold: #a8843f;
  --gold-soft: #efe6d3;
  --radius: 10px;
  --max: 1120px;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--navy-2); }
a:hover { color: var(--gold); }

h1, h2, h3 {
  font-family: var(--serif);
  color: var(--navy);
  line-height: 1.2;
  font-weight: 600;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.55rem, 2.6vw, 2.1rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.eyebrow {
  font-size: .78rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: .8em;
}
.lead { font-size: 1.15rem; color: var(--muted); max-width: 46em; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 74px;
}
.brand {
  text-decoration: none;
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.brand-name {
  font-family: var(--serif);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
}
.brand-tag {
  font-size: .68rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 3px;
}
.nav { display: flex; align-items: center; gap: 22px; }
.nav a {
  text-decoration: none;
  color: var(--ink);
  font-size: .93rem;
  font-weight: 500;
  white-space: nowrap;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--gold); }
.nav a.btn { color: #fff; }
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 8px 12px;
  font: inherit;
  font-size: .9rem;
  color: var(--navy);
  cursor: pointer;
}

/* Buttons */
.btn {
  display: inline-block;
  background: var(--navy);
  color: #fff;
  text-decoration: none;
  padding: 12px 22px;
  border-radius: 6px;
  font-weight: 600;
  font-size: .95rem;
  border: 2px solid var(--navy);
  transition: background .15s, color .15s, border-color .15s;
}
.btn:hover { background: var(--gold); border-color: var(--gold); color: #fff; }
.btn.ghost { background: transparent; color: var(--navy); }
.btn.ghost:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn.light { background: #fff; color: var(--navy); border-color: #fff; }
.btn.light:hover { background: var(--gold); border-color: var(--gold); color: #fff; }
.btn.outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn.outline-light:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 1.6em; }

/* Sections */
section { padding: 84px 0; }
section.tight { padding: 56px 0; }
.sand { background: var(--sand); }
.navy-band { background: var(--navy); color: #e7ebf1; }
.navy-band h1, .navy-band h2, .navy-band h3 { color: #fff; }
.navy-band .lead { color: #c9d2de; }

.hero { padding: 104px 0 92px; background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); color: #e7ebf1; }
.hero h1 { color: #fff; max-width: 17em; }
.hero .lead { color: #c9d2de; }
.hero .eyebrow { color: #d9bd83; }
.page-hero { padding: 80px 0 64px; background: var(--sand); border-bottom: 1px solid var(--line); }
.page-hero h1 { max-width: 20em; }

.strip {
  border-bottom: 1px solid var(--line);
  padding: 22px 0;
  font-size: .95rem;
  color: var(--muted);
  text-align: center;
}
.strip strong { color: var(--navy); font-weight: 600; }

/* Grid + cards */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
}
.card h3 { margin-bottom: .45em; }
.card p { color: var(--muted); }
.card .more {
  margin-top: auto;
  font-weight: 600;
  text-decoration: none;
  color: var(--navy);
  font-size: .95rem;
}
.card .more:hover { color: var(--gold); }
.card .num {
  font-family: var(--serif);
  color: var(--gold);
  font-size: .95rem;
  font-weight: 600;
  margin-bottom: .6em;
}
.offer-card { border-top: 4px solid var(--gold); }

.stat { text-align: left; }
.stat .big {
  font-family: var(--serif);
  font-size: 2.2rem;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 10px;
}
.stat p { color: var(--muted); font-size: .95rem; margin: 0; }

.section-head { max-width: 46em; margin-bottom: 40px; }

.list-check { list-style: none; padding: 0; margin: 0; }
.list-check li {
  position: relative;
  padding-left: 28px;
  margin-bottom: .7em;
}
.list-check li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: .55em;
  width: 12px;
  height: 7px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}

.service {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 48px;
  padding: 44px 0;
  border-top: 1px solid var(--line);
  scroll-margin-top: 90px;
}
.service:first-of-type { border-top: 0; }
.service .label {
  font-size: .78rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 600;
  margin-bottom: .3em;
}

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.split.wide-left { grid-template-columns: 1.4fr 1fr; }

.portrait {
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #d9bd83;
  font-family: var(--serif);
  font-size: 4.5rem;
  letter-spacing: .04em;
}

.timeline { width: 100%; border-collapse: collapse; font-size: .95rem; }
.timeline th, .timeline td {
  text-align: left;
  padding: 14px 12px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
.timeline th {
  font-size: .75rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
}
.timeline td:first-child { font-weight: 600; color: var(--navy); }
.timeline .yrs { display: block; font-weight: 400; color: var(--muted); font-size: .85rem; }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li {
  counter-increment: step;
  position: relative;
  padding: 0 0 22px 56px;
}
.steps li::before {
  content: counter(step);
  position: absolute;
  left: 0;
  top: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gold-soft);
  color: var(--navy);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}
.steps strong { color: var(--navy); display: block; }

.quote {
  font-family: var(--serif);
  font-size: 1.35rem;
  line-height: 1.5;
  color: var(--navy);
  border-left: 3px solid var(--gold);
  padding-left: 22px;
  margin: 0;
}

.cta-band { text-align: center; }
.cta-band h2 { max-width: 22em; margin: 0 auto .5em; }
.cta-band p { max-width: 38em; margin: 0 auto; color: #c9d2de; }
.cta-band .btn-row { justify-content: center; }

/* Form */
form.contact { display: grid; gap: 16px; }
.field { display: grid; gap: 6px; }
.field label { font-weight: 600; font-size: .9rem; color: var(--navy); }
.field input, .field select, .field textarea {
  font: inherit;
  font-size: 1rem;
  padding: 12px 14px;
  border: 1px solid #c3cbd5;
  border-radius: 6px;
  background: #fff;
  color: var(--ink);
  width: 100%;
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid var(--gold);
  outline-offset: 1px;
  border-color: var(--gold);
}
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-note { font-size: .85rem; color: var(--muted); }
.form-status { font-weight: 600; color: var(--navy); }
.contact-aside .card { margin-bottom: 20px; }
.contact-aside dt { font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-top: 14px; }
.contact-aside dd { margin: 2px 0 0; }

/* Insights */
.post-card .meta { font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); margin-bottom: .6em; font-weight: 600; }

/* Footer */
.site-footer { background: #0f1b2f; color: #b8c2d0; padding: 56px 0 36px; font-size: .92rem; }
.site-footer a { color: #e7ebf1; text-decoration: none; }
.site-footer a:hover { color: #d9bd83; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
.footer-grid h4 { color: #fff; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 12px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 6px; }
.footer-brand { font-family: var(--serif); color: #fff; font-size: 1.3rem; margin-bottom: 8px; }
.disclaimer { border-top: 1px solid #24324a; margin-top: 40px; padding-top: 22px; font-size: .8rem; color: #8b97a8; }

/* Responsive */
@media (max-width: 1000px) {
  .nav { gap: 16px; }
  .nav a { font-size: .88rem; }
}
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .service, .split, .split.wide-left { grid-template-columns: 1fr; gap: 24px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-toggle { display: inline-block; }
  .nav {
    display: none;
    position: absolute;
    top: 74px;
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 24px 20px;
    gap: 0;
  }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 1rem; }
  .nav a.btn { margin-top: 14px; text-align: center; border-bottom: 0; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  section { padding: 60px 0; }
  .hero { padding: 72px 0 64px; }
  .page-hero { padding: 56px 0 44px; }
  .grid-2, .grid-3, .grid-4, .two-col, .footer-grid { grid-template-columns: 1fr; }
  .timeline th:nth-child(3), .timeline td:nth-child(3) { display: none; }
  .portrait { max-width: 200px; font-size: 3rem; }
}.portrait { overflow: hidden; }
.portrait img { width: 100%; height: 100%; object-fit: cover; object-position: 62% 22%; }