:root {
  --ink: #101418;
  --navy: #0c3a58;
  --navy-2: #082b42;
  --blue: #145a7b;
  --mist: #edf5f7;
  --ice: #f7fafb;
  --line: #d9e4e8;
  --white: #ffffff;
  --muted: #52616b;
  --success: #1f6a55;
  --shadow: 0 18px 55px rgba(6, 40, 61, .12);
  --radius: 20px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: "Open Sans", Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
body.modal-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }

.skip-link { position: fixed; left: 1rem; top: -5rem; z-index: 1000; background: var(--white); padding: .75rem 1rem; }
.skip-link:focus { top: 1rem; }
.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.eyebrow { margin: 0 0 .75rem; color: var(--blue); font-size: .78rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.display { max-width: 800px; margin: 0; font-size: clamp(2.5rem, 6vw, 5.8rem); line-height: .98; letter-spacing: -.06em; }
.display .accent { color: var(--blue); }
.section-title { max-width: 720px; margin: 0; font-size: clamp(2rem, 4vw, 3.6rem); line-height: 1.08; letter-spacing: -.045em; }
.lead { max-width: 660px; margin: 1.25rem 0 0; color: #344650; font-size: clamp(1.05rem, 1.7vw, 1.25rem); line-height: 1.7; }
.subtle { color: var(--muted); }

.topbar { background: var(--navy-2); color: var(--white); font-size: .82rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 1rem; padding-block: .48rem; }
.topbar a { text-decoration: none; font-weight: 700; }
.site-header { position: sticky; top: 0; z-index: 50; border-bottom: 1px solid rgba(12,58,88,.1); background: rgba(255,255,255,.95); backdrop-filter: blur(14px); }
.nav { min-height: 82px; display: flex; align-items: center; gap: 2.25rem; }
.brand { flex: 0 0 auto; width: 250px; }
.brand img { width: 100%; height: auto; }
.nav-links { display: flex; align-items: center; justify-content: center; gap: 1.45rem; margin-left: auto; }
.nav-links a { position: relative; padding: .5rem 0; color: #24343e; font-size: .91rem; font-weight: 700; text-decoration: none; white-space: nowrap; }
.nav-links a::after { position: absolute; right: 0; bottom: .2rem; left: 0; height: 2px; background: var(--navy); content: ""; transform: scaleX(0); transform-origin: left; transition: transform .2s ease; }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { transform: scaleX(1); }
.btn { display: inline-flex; min-height: 48px; align-items: center; justify-content: center; gap: .55rem; border: 1px solid transparent; border-radius: 999px; padding: .78rem 1.2rem; background: transparent; color: var(--ink); font-weight: 800; line-height: 1; text-decoration: none; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--navy); color: var(--white); box-shadow: 0 10px 28px rgba(12,58,88,.2); }
.btn-primary:hover { background: var(--navy-2); }
.btn-light { background: var(--white); color: var(--navy); }
.btn-outline { border-color: #afc1ca; background: var(--white); color: var(--navy); }
.btn-small { min-height: 42px; padding-inline: 1rem; font-size: .88rem; }
.nav-cta { flex: 0 0 auto; }
.menu-btn { display: none; margin-left: auto; border: 0; background: none; color: var(--navy); font-weight: 800; cursor: pointer; }

.hero { position: relative; overflow: hidden; background: linear-gradient(125deg, #fff 0%, #f5fafb 58%, #e8f2f5 100%); }
.hero::before { position: absolute; width: 420px; height: 420px; right: -180px; top: -220px; border: 90px solid rgba(12,58,88,.06); border-radius: 50%; content: ""; }
.hero-grid { min-height: 690px; display: grid; grid-template-columns: 1.12fr .88fr; align-items: center; gap: clamp(2rem, 5vw, 5rem); padding-block: 5rem; }
.hero-copy { position: relative; z-index: 1; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 2rem; }
.hero-note { display: flex; align-items: center; gap: .65rem; margin-top: 1.25rem; color: #53636b; font-size: .88rem; }
.hero-note span:first-child { display: inline-grid; width: 28px; height: 28px; place-items: center; border-radius: 50%; background: #dfeef1; color: var(--navy); font-weight: 900; }
.hero-visual { position: relative; }
.hero-image { width: 100%; aspect-ratio: .88; border-radius: 180px 180px 28px 28px; object-fit: cover; box-shadow: var(--shadow); }
.hero-card { position: absolute; left: -44px; bottom: 48px; max-width: 260px; border: 1px solid rgba(255,255,255,.6); border-radius: 16px; padding: 1rem 1.15rem; background: rgba(255,255,255,.96); box-shadow: var(--shadow); }
.hero-card strong { display: block; color: var(--navy); font-size: 1.35rem; }
.hero-card span { color: var(--muted); font-size: .88rem; }

.trust-strip { border-block: 1px solid var(--line); background: var(--white); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item { padding: 1.4rem 1.1rem; text-align: center; }
.trust-item + .trust-item { border-left: 1px solid var(--line); }
.trust-item strong { display: block; color: var(--navy); font-size: 1.1rem; }
.trust-item span { color: var(--muted); font-size: .84rem; }

.section { padding-block: clamp(4rem, 8vw, 7rem); }
.section-soft { background: var(--ice); }
.section-navy { background: var(--navy); color: var(--white); }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 2.2rem; }
.section-head p { max-width: 500px; margin: 0; color: var(--muted); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.card { display: flex; min-height: 280px; flex-direction: column; align-items: center; justify-content: center; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; background: var(--white); text-align: center; text-decoration: none; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.card:hover { transform: translateY(-5px); border-color: #abc1cb; box-shadow: var(--shadow); }
.card-number { color: #91a7b1; font-size: .78rem; font-weight: 800; letter-spacing: .12em; }
.card h3 { margin: 0 0 .55rem; color: var(--navy); font-size: 1.55rem; line-height: 1.15; letter-spacing: -.025em; }
.card p { margin: 0; color: var(--muted); }
.card-link { margin-top: 1.2rem; color: var(--navy); font-weight: 800; }
.card-featured { border-color: var(--navy); background: var(--navy); color: var(--white); }
.card-featured h3, .card-featured .card-link { color: var(--white); }
.card-featured p, .card-featured .card-number { color: #c9d9df; }

.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; counter-reset: steps; }
.step { position: relative; border-top: 1px solid #8eabb7; padding: 2.2rem 1rem 0 0; }
.step::before { position: absolute; top: -16px; left: 0; display: grid; width: 32px; height: 32px; place-items: center; border: 4px solid var(--navy); border-radius: 50%; background: var(--white); color: var(--navy); counter-increment: steps; content: counter(steps); font-size: .78rem; font-weight: 900; }
.step h3 { margin: 0 0 .4rem; font-size: 1.1rem; }
.step p { margin: 0; color: var(--muted); font-size: .92rem; }

.split { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: clamp(2rem, 7vw, 7rem); }
.split-image { width: 100%; aspect-ratio: 1.05; border-radius: 28px; object-fit: cover; box-shadow: var(--shadow); }
.check-list { display: grid; gap: .85rem; margin: 1.5rem 0 0; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 2rem; }
.check-list li::before { position: absolute; left: 0; top: .08rem; display: grid; width: 1.35rem; height: 1.35rem; place-items: center; border-radius: 50%; background: var(--mist); color: var(--navy); content: "✓"; font-size: .75rem; font-weight: 900; }
.stat-row { display: flex; flex-wrap: wrap; gap: 2rem; margin-top: 2rem; }
.stat strong { display: block; color: var(--navy); font-size: 2rem; line-height: 1; }
.stat span { color: var(--muted); font-size: .85rem; }

.quote { position: relative; max-width: 850px; margin: 0 auto; text-align: center; }
.quote blockquote { margin: 0; font-size: clamp(1.55rem, 3.2vw, 2.7rem); line-height: 1.35; letter-spacing: -.03em; }
.quote p { margin: 1.25rem 0 0; color: #bdd0d8; }
.cta-panel { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 2rem; border-radius: 28px; padding: clamp(2rem, 5vw, 4rem); background: var(--navy); color: var(--white); }
.cta-panel h2 { max-width: 780px; margin: 0; font-size: clamp(2rem, 4vw, 3.5rem); line-height: 1.05; letter-spacing: -.045em; }
.cta-panel p { margin: .8rem 0 0; color: #cbdbe1; }
.cta-panel .hero-actions { margin-top: 0; }

.page-hero { overflow: hidden; background: var(--navy); color: var(--white); }
.page-hero-grid { min-height: 530px; display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: 4rem; padding-block: 4rem; }
.page-hero .eyebrow { color: #a9cedc; }
.page-hero .display { max-width: 760px; font-size: clamp(2.7rem, 5vw, 5rem); }
.page-hero .lead { color: #d5e4e9; }
.page-hero img { width: 100%; aspect-ratio: 1.12; border-radius: 24px; object-fit: cover; }
.page-hero-card { border: 1px solid rgba(255,255,255,.2); border-radius: 22px; padding: 1.5rem; background: rgba(255,255,255,.08); }
.pill-row { display: flex; flex-wrap: wrap; gap: .55rem; margin-top: 1.5rem; }
.pill { border: 1px solid rgba(255,255,255,.28); border-radius: 999px; padding: .45rem .75rem; color: #e2edf1; font-size: .83rem; }

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.service { border: 1px solid var(--line); border-radius: 18px; padding: 1.4rem; background: var(--white); text-align: center; }
.service-icon { display: grid; width: 44px; height: 44px; place-items: center; border-radius: 13px; background: var(--mist); color: var(--navy); font-weight: 900; }
.service h3 { margin: 0 0 .45rem; color: var(--navy); font-size: 1.2rem; }
.service p { margin: 0; color: var(--muted); font-size: .94rem; }
.two-col-copy { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(2rem, 8vw, 8rem); }
.two-col-copy h2 { margin: 0; font-size: clamp(2rem, 4vw, 3.5rem); line-height: 1.08; letter-spacing: -.04em; }
.prose p:first-child { margin-top: 0; }
.prose p { color: #40515a; }

.team-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); align-items: stretch; gap: 1rem; }
.person { display: flex; overflow: hidden; flex-direction: column; border: 1px solid var(--line); border-radius: 20px; background: var(--white); }
.person img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; object-position: center 18%; }
.person-body { display: flex; flex: 1; flex-direction: column; padding: 1.15rem; }
.person h3 { margin: 0; color: var(--navy); font-size: 1.15rem; }
.person-role { margin: .12rem 0 0; color: var(--blue); font-size: .78rem; font-weight: 800; }
.person p { margin: 0; color: var(--muted); font-size: .92rem; }
.person-details { margin-top: .8rem; border-block: 1px solid var(--line); }
.person-details summary { display: flex; min-height: 48px; align-items: center; justify-content: space-between; gap: .75rem; color: var(--navy); font-size: .85rem; font-weight: 800; cursor: pointer; list-style: none; }
.person-details summary::-webkit-details-marker { display: none; }
.person-details summary::after { content: "+"; font-size: 1.15rem; font-weight: 500; }
.person-details[open] summary::after { content: "−"; }
.person-details summary:focus-visible { border-radius: 4px; outline: 3px solid rgba(20,90,123,.2); outline-offset: 3px; }
.person-bio { padding: .1rem 0 1rem; }
.person a { display: inline-block; margin-top: auto; padding-top: .9rem; color: var(--navy); font-size: .84rem; font-weight: 800; text-decoration: none; }
.person-quote { margin: 1.15rem 0 0; border-left: 3px solid var(--navy); padding-left: 1rem; color: var(--navy); font-size: .92rem; font-style: italic; font-weight: 700; }
.person-admin { grid-column: 1 / -1; width: calc(33.333% - .667rem); justify-self: center; }

.faq { max-width: 860px; margin-inline: auto; }
.faq details { border-bottom: 1px solid var(--line); padding: 1.2rem 0; }
.faq summary { display: flex; justify-content: space-between; gap: 1rem; color: var(--navy); font-size: 1.08rem; font-weight: 800; cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; }
.faq details[open] summary::after { content: "−"; }
.faq p { max-width: 720px; color: var(--muted); }

.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 2rem; }
.contact-card { border-radius: 22px; padding: 1.7rem; background: var(--navy); color: var(--white); }
.contact-card h3 { margin-top: 0; font-size: 1.5rem; }
.contact-card a { display: block; margin: .65rem 0; color: var(--white); font-weight: 800; text-decoration: none; }
.form-card { border: 1px solid var(--line); border-radius: 22px; padding: clamp(1.5rem, 4vw, 2.5rem); background: var(--white); box-shadow: var(--shadow); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; }
.field { margin-bottom: 1rem; }
.field label { display: block; margin-bottom: .35rem; color: #263942; font-size: .88rem; font-weight: 800; }
.field input, .field select, .field textarea { width: 100%; min-height: 50px; border: 1px solid #b8c8cf; border-radius: 10px; padding: .75rem .85rem; background: var(--white); color: var(--ink); }
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid rgba(20,90,123,.15); border-color: var(--blue); }
.privacy-note { color: var(--muted); font-size: .78rem; }

.site-footer { background: #071f2d; color: #d8e4e8; }
.footer-main { display: grid; grid-template-columns: 1.25fr .75fr .75fr; gap: 3rem; padding-block: 4rem 2rem; }
.footer-logo { width: 260px; padding: .65rem; border-radius: 8px; background: var(--white); }
.footer-main h3 { margin: 0 0 .8rem; color: var(--white); font-size: .92rem; }
.footer-links { display: grid; gap: .45rem; }
.footer-links a { color: #c4d4da; font-size: .86rem; text-decoration: none; }
.footer-copy { max-width: 520px; margin-top: 1rem; color: #a8bec7; font-size: .86rem; }
.legal { border-top: 1px solid rgba(255,255,255,.12); padding-block: 1.5rem 2.2rem; color: #a8bbc3; font-size: .72rem; line-height: 1.55; }
.legal strong { color: var(--white); }

.modal { position: fixed; inset: 0; z-index: 100; display: none; padding: 1rem; background: rgba(4,24,36,.72); backdrop-filter: blur(6px); }
.modal.open { display: grid; place-items: center; }
.journey { width: min(680px, 100%); max-height: calc(100vh - 2rem); overflow: auto; border-radius: 24px; background: var(--white); box-shadow: 0 28px 90px rgba(0,0,0,.3); }
.journey-head { position: sticky; top: 0; z-index: 2; display: flex; align-items: center; gap: 1rem; border-bottom: 1px solid var(--line); padding: 1.1rem 1.4rem; background: var(--white); }
.journey-logo { width: 170px; }
.journey-progress { flex: 1; height: 6px; overflow: hidden; border-radius: 99px; background: #dfe9ed; }
.journey-progress span { display: block; width: 12.5%; height: 100%; background: var(--navy); transition: width .25s ease; }
.journey-close { display: grid; width: 38px; height: 38px; place-items: center; border: 1px solid var(--line); border-radius: 50%; background: var(--white); color: var(--navy); font-size: 1.25rem; cursor: pointer; }
.journey-body { padding: clamp(1.4rem, 5vw, 3rem); }
.question-meta { color: var(--blue); font-size: .76rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.question h2 { margin: .6rem 0 .45rem; color: var(--navy); font-size: clamp(1.6rem, 4vw, 2.5rem); line-height: 1.12; letter-spacing: -.035em; }
.question > p { margin: 0 0 1.4rem; color: var(--muted); }
.qtitle { text-align: center; }
.qhelp { max-width: 560px; margin-inline: auto !important; text-align: center; }
.question .question-meta { text-align: center; }
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; }
.choice { display: flex; min-height: 64px; align-items: center; justify-content: space-between; gap: 1rem; border: 1px solid #b9cbd2; border-radius: 12px; padding: .8rem 1rem; background: var(--white); color: var(--navy); font-weight: 800; text-align: left; cursor: pointer; }
.choice:hover, .choice.selected { border-color: var(--navy); background: var(--mist); }
.journey-actions { display: flex; justify-content: space-between; gap: .7rem; margin-top: 1.5rem; }
.money-field { position: relative; }
.money-field > span { position: absolute; left: .9rem; bottom: .75rem; color: var(--muted); font-weight: 800; }
.money-field input { padding-left: 2rem; }
.consent { margin: 1rem 0 0; color: var(--muted); font-size: .78rem; line-height: 1.55; }
.form-error { display: none; margin: .35rem 0 0 !important; color: #a52b23 !important; font-size: .82rem; text-align: center; }
.modal-trust { display: flex; flex-wrap: wrap; justify-content: center; gap: .6rem 1.15rem; margin-top: 1.35rem; color: var(--muted); font-size: .78rem; }
.hidden { display: none !important; }
.success { padding: 2rem 0; text-align: center; }
.success-mark { display: grid; width: 68px; height: 68px; margin: 0 auto 1rem; place-items: center; border-radius: 50%; background: #e2f2ec; color: var(--success); font-size: 1.8rem; font-weight: 900; }

.audit-ribbon { border-bottom: 1px solid #bfd0d7; background: #eaf3f6; color: var(--navy); font-size: .78rem; font-weight: 700; text-align: center; }
.audit-ribbon .container { padding-block: .5rem; }
.audit-ribbon span { opacity: .72; }

@media (max-width: 1000px) {
  .nav-links { position: fixed; inset: 120px 0 auto; display: none; flex-direction: column; align-items: flex-start; padding: 1.5rem 20px 2rem; background: var(--white); box-shadow: 0 20px 30px rgba(0,0,0,.1); }
  .nav-links.open { display: flex; }
  .menu-btn { display: block; }
  .nav-cta { display: none; }
  .hero-grid, .page-hero-grid { grid-template-columns: 1fr; }
  .hero-grid { padding-block: 4rem; }
  .hero-visual { width: min(560px, 86%); margin-inline: auto; }
  .hero-card { left: -30px; }
  .page-hero-grid { gap: 2.3rem; }
  .page-hero img { max-height: 430px; }
  .cards, .service-grid, .team-grid { grid-template-columns: repeat(2, 1fr); }
  .person-admin { width: calc(50% - .5rem); }
  .process { grid-template-columns: repeat(2, 1fr); row-gap: 2.5rem; }
  .footer-main { grid-template-columns: 1.2fr 1fr; }
  .footer-main > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 720px) {
  .modal { padding: 0; }
  .journey { width: 100%; height: 100%; max-height: none; border-radius: 0; }
  .journey-head { padding: .8rem 1rem; }
  .journey-logo { width: 140px; }
  .journey-body { padding: 1.4rem 1rem 2rem; }
  .question h2 { font-size: clamp(1.65rem, 8vw, 2.15rem); }
  .qhelp { font-size: .94rem; }
  .choice { min-height: 58px; padding: .75rem .85rem; }
  .modal-trust { gap: .4rem .8rem; }
  .container { width: min(100% - 28px, 1180px); }
  .topbar .container { justify-content: center; }
  .topbar span:first-child { display: none; }
  .nav { min-height: 70px; }
  .brand { width: 195px; }
  .nav-links { inset-block-start: 102px; }
  .display { font-size: clamp(2.55rem, 13vw, 4rem); }
  .hero-grid { min-height: auto; padding-block: 3.25rem; }
  .hero-actions .btn { width: 100%; }
  .hero-visual { width: 100%; }
  .hero-image { aspect-ratio: 1; border-radius: 110px 110px 22px 22px; }
  .hero-card { left: 12px; right: 12px; bottom: 16px; max-width: none; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-item:nth-child(3) { border-left: 0; border-top: 1px solid var(--line); }
  .trust-item:nth-child(4) { border-top: 1px solid var(--line); }
  .section-head { align-items: flex-start; flex-direction: column; }
  .cards, .service-grid, .team-grid, .split, .two-col-copy, .contact-grid, .footer-main { grid-template-columns: 1fr; }
  .person-admin { grid-column: auto; width: 100%; }
  .cards { gap: .75rem; }
  .card { min-height: 240px; }
  .process { grid-template-columns: 1fr; row-gap: 2.5rem; }
  .cta-panel { grid-template-columns: 1fr; }
  .cta-panel .hero-actions { margin-top: .3rem; }
  .page-hero-grid { min-height: auto; padding-block: 3rem; }
  .page-hero .display { font-size: clamp(2.45rem, 12vw, 4rem); }
  .field-row, .choices { grid-template-columns: 1fr; }
  .footer-main > div:first-child { grid-column: auto; }
  .footer-main { gap: 2rem; }
}

@media (max-width: 390px) {
  .journey-head { gap: .65rem; }
  .journey-logo { width: 118px; }
  .journey-close { width: 34px; height: 34px; }
  .journey-actions { align-items: stretch; }
  .journey-actions .btn { min-width: 0; padding-inline: 1rem; }
  .person-body { padding: 1.15rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}