:root{
    --cream:#FBF7EE;
    --cream-2:#F1E9D8;
    --card:#FFFDF8;
    --ink:#232A33;
    --ink-soft:#505967;
    --navy:#1B365D;
    --navy-dark:#10243F;
    --gold:#9C6A18;
    --gold-dark:#7E540F;
    --sun:#D9B36A;
    --line:rgba(35,42,51,0.14);
    --serif:'Fraunces', Georgia, serif;
    --sans:'Figtree', -apple-system, 'Segoe UI', sans-serif;
  }
  *{box-sizing:border-box; margin:0; padding:0;}
  html{scroll-behavior:smooth; scroll-padding-top:96px;}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    *{animation:none !important; transition:none !important;}
  }
  body{font-family:var(--sans); background:var(--cream); color:var(--ink); line-height:1.65; font-size:17px; -webkit-font-smoothing:antialiased;}
  img{max-width:100%; display:block;}
  a{color:inherit;}
  .wrap{max-width:1180px; margin:0 auto; padding:0 28px;}
  h1,h2,h3,h4{font-family:var(--serif); font-weight:600; line-height:1.08; letter-spacing:-0.015em;}
  :focus-visible{outline:3px solid var(--gold); outline-offset:3px; border-radius:4px;}

  .kicker{font-weight:700; font-size:13px; letter-spacing:0.12em; text-transform:uppercase; color:var(--gold-dark);}

  .btn{
    display:inline-flex; align-items:center; justify-content:center; gap:9px;
    font:600 16px/1 var(--sans); padding:16px 28px; border-radius:999px;
    text-decoration:none; border:2px solid transparent; cursor:pointer;
    transition:transform .18s ease, background .18s ease, color .18s ease, border-color .18s ease;
  }
  .btn svg{width:18px; height:18px; flex:0 0 auto;}
  .btn:hover{transform:translateY(-2px);}
  .btn-gold{background:var(--gold); color:#fff;}
  .btn-gold:hover{background:var(--gold-dark);}
  .btn-navy{background:var(--navy); color:#fff;}
  .btn-navy:hover{background:var(--navy-dark);}
  .btn-line{background:transparent; color:var(--ink); border-color:var(--ink);}
  .btn-line:hover{background:var(--ink); color:var(--cream);}
  .btn-sm{padding:11px 20px; font-size:14.5px;}

  /* HEADER */
  header{position:sticky; top:0; z-index:100; background:var(--cream); border-bottom:1px solid var(--line);}
  .nav{display:flex; align-items:center; justify-content:space-between; height:84px;}
  .brand{display:flex; align-items:center; gap:11px; text-decoration:none;}
  .brand-mark{width:40px; height:40px; border-radius:12px; background:var(--navy); color:var(--cream); display:grid; place-items:center; font:600 18px var(--serif);}
  .brand-text strong{display:block; font:600 20px/1 var(--serif);}
  .brand-text small{display:block; font-size:12px; color:var(--ink-soft); margin-top:3px; letter-spacing:.03em;}
  .logo-h{height:62px; width:auto; display:block;}
  .f-logo{display:block; background:transparent; padding:0;}
  .f-logo img{height:150px; width:auto;}
  .nav-links{display:flex; gap:28px; list-style:none; align-items:center;}
  .nav-links a{text-decoration:none; font-weight:500; font-size:15.5px; color:var(--ink-soft); transition:color .15s;}
  .nav-links a:hover{color:var(--gold-dark);}
  .nav-actions{display:flex; gap:10px; align-items:center;}
  .menu-btn{display:none; background:none; border:0; padding:8px; cursor:pointer;}
  .menu-btn span{display:block; width:24px; height:2px; background:var(--ink); margin:5px 0; border-radius:2px;}
  #mobile{display:none; flex-direction:column; background:var(--card); border-top:1px solid var(--line);}
  #mobile.open{display:flex;}
  #mobile a{padding:16px 28px; text-decoration:none; font-weight:500; border-bottom:1px solid var(--line);}

  /* PHOTO SLOTS: warm gradient shows if an image file isn't there yet */
  .photo{position:relative; overflow:hidden; background:
      radial-gradient(120% 90% at 20% 10%, #EFD9A8 0%, transparent 55%),
      radial-gradient(100% 80% at 90% 90%, #9DB6CF 0%, transparent 60%),
      var(--cream-2);}
  .photo img{position:absolute; inset:0; width:100%; height:100%; object-fit:cover;}
  .photo .ph-note{position:absolute; left:14px; bottom:12px; font-size:12px; font-weight:600; color:rgba(35,42,51,.55); letter-spacing:.04em;}
  .photo.has-img .ph-note{display:none;}
  .photo img.ph-icon{inset:0; margin:auto; width:46%; height:auto; object-fit:contain; opacity:.92;}
  .photo.has-img img.ph-icon{display:none;}

  /* HERO */
  .hero{padding:72px 0 88px;}
  .hero-grid{display:grid; grid-template-columns:1.05fr .95fr; gap:60px; align-items:center;}
  .hero h1{font-size:clamp(40px,5.4vw,66px); margin:16px 0 22px;}
  .hero h1 em{font-style:italic; color:var(--gold); font-weight:500;}
  .hero .lede{font-size:19px; color:var(--ink-soft); max-width:50ch; margin-bottom:32px;}
  .hero-cta{display:flex; flex-wrap:wrap; gap:14px; margin-bottom:34px;}
  .badges{display:flex; flex-wrap:wrap; gap:10px;}
  .badge{display:inline-flex; align-items:center; gap:8px; font-size:14px; font-weight:600; background:var(--card); border:1px solid var(--line); padding:8px 15px; border-radius:999px;}
  .badge i{width:8px; height:8px; border-radius:50%; background:var(--navy); display:block;}
  .hero-photo{aspect-ratio:4/5; border-radius:220px 220px 28px 28px; box-shadow:0 30px 60px -28px rgba(35,42,51,.35);}
  .hero-photo-wrap{position:relative;}
  .float-card{
    position:absolute; left:-34px; bottom:44px; background:var(--card); border:1px solid var(--line);
    border-radius:18px; padding:16px 20px; box-shadow:0 18px 40px -20px rgba(35,42,51,.35); max-width:230px;
  }
  .float-card b{display:block; font:600 17px/1.2 var(--serif); margin-bottom:4px;}
  .float-card span{font-size:13.5px; color:var(--ink-soft); line-height:1.4; display:block;}

  /* SECTIONS */
  section{padding:92px 0;}
  .head{max-width:660px; margin-bottom:52px;}
  .head h2{font-size:clamp(30px,3.8vw,46px); margin:10px 0 14px;}
  .head p{color:var(--ink-soft); font-size:18px;}

  /* SERVICES */
  .services{background:var(--navy); color:var(--cream);}
  .services .kicker{color:var(--sun);}
  .services .head p{color:rgba(251,246,236,.8);}
  .svc-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:24px;}
  .svc{background:var(--card); color:var(--ink); border-radius:24px; padding:34px 30px; display:flex; flex-direction:column;}
  .svc .form{display:inline-block; align-self:flex-start; font:700 13px var(--sans); letter-spacing:.06em; background:var(--cream-2); color:var(--navy-dark); padding:6px 13px; border-radius:999px; margin-bottom:18px;}
  .svc.feature .form{background:var(--gold); color:#fff;}
  .svc h3{font-size:28px; margin-bottom:12px;}
  .svc > p{color:var(--ink-soft); font-size:16px; margin-bottom:18px;}
  .svc ul{list-style:none; margin-bottom:26px; flex-grow:1;}
  .svc li{position:relative; padding:9px 0 9px 28px; font-size:15.5px; border-top:1px solid var(--line);}
  .svc li:first-child{border-top:0;}
  .svc li::before{content:''; position:absolute; left:0; top:15px; width:16px; height:16px; border-radius:50%; background:var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4.5 8.3l2.3 2.3 4.7-5' fill='none' stroke='%23fff' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat;}
  .svc.feature{outline:3px solid var(--sun); outline-offset:-3px;}
  .extras{margin-top:28px; display:grid; grid-template-columns:repeat(3,1fr); gap:18px;}
  .extra{border:1px solid rgba(251,246,236,.28); border-radius:18px; padding:22px 24px;}
  .extra h4{font-size:19px; color:var(--cream); margin-bottom:7px;}
  .extra p{font-size:15px; color:rgba(251,246,236,.78); line-height:1.55;}

  /* WHO */
  .who-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:18px;}
  .who{background:var(--card); border:1px solid var(--line); border-radius:20px; padding:26px 22px;}
  .who .ico{width:46px; height:46px; border-radius:14px; background:var(--cream-2); color:var(--gold-dark); display:grid; place-items:center; margin-bottom:16px;}
  .who .ico svg{width:24px; height:24px;}
  .who h4{font-size:19px; margin-bottom:7px;}
  .who p{font-size:15px; color:var(--ink-soft); line-height:1.55;}

  /* SERVICE AREA */
  .area{background:var(--card); border-top:1px solid var(--line); border-bottom:1px solid var(--line);}
  .area-grid{display:grid; grid-template-columns:1fr 1.4fr; gap:48px;}
  .area-col h3{font-size:22px; margin-bottom:16px;}
  .chips{display:flex; flex-wrap:wrap; gap:9px;}
  .chip{font-size:14.5px; font-weight:500; padding:7px 15px; border:1px solid var(--line); border-radius:999px; background:var(--cream); color:var(--ink);}
  .area-note{margin-top:30px; color:var(--ink-soft); font-size:15.5px;}

  /* HOW */
  .how{background:var(--cream-2);}
  .steps{display:grid; grid-template-columns:repeat(4,1fr); gap:22px; counter-reset:s;}
  .step{position:relative; padding-top:62px;}
  .step::before{counter-increment:s; content:counter(s); position:absolute; top:0; left:0; width:46px; height:46px; border-radius:50%; background:var(--gold); color:#fff; display:grid; place-items:center; font:600 21px var(--serif);}
  .step:not(:last-child)::after{content:''; position:absolute; top:23px; left:60px; right:-8px; border-top:2px dashed rgba(35,42,51,.25);}
  .step h4{font-size:21px; margin-bottom:8px;}
  .step p{font-size:15.5px; color:var(--ink-soft);}

  /* PORTAL */
  .portal-box{display:grid; grid-template-columns:1fr 1fr; background:var(--card); border:1px solid var(--line); border-radius:28px; overflow:hidden;}
  .portal-copy{padding:54px 50px;}
  .portal-copy h2{font-size:clamp(28px,3.2vw,40px); margin:10px 0 14px;}
  .portal-copy p{color:var(--ink-soft); margin-bottom:22px;}
  .portal-copy ul{list-style:none; margin-bottom:30px;}
  .portal-copy li{padding:6px 0 6px 28px; position:relative; font-size:16px;}
  .portal-copy li::before{content:''; position:absolute; left:0; top:13px; width:14px; height:14px; border-radius:50%; background:var(--navy);}
  .portal-photo{min-height:360px;}

  /* ABOUT */
  .about-grid{display:grid; grid-template-columns:.85fr 1.15fr; gap:64px; align-items:center;}
  .about-photo{aspect-ratio:1/1; border-radius:28px;}
  .about-copy h2{font-size:clamp(30px,3.6vw,44px); margin:10px 0 18px;}
  .about-copy p{color:var(--ink-soft); margin-bottom:16px; max-width:58ch;}
  .creds{display:flex; flex-wrap:wrap; gap:10px; margin-top:22px;}
  .cred{font-size:14px; font-weight:600; border:1.5px solid var(--navy); color:var(--navy-dark); padding:7px 15px; border-radius:999px;}

  /* FAQ */
  .faq{background:var(--card); border-top:1px solid var(--line); border-bottom:1px solid var(--line);}
  .faq-list{max-width:820px;}
  details{border-bottom:1px solid var(--line); padding:20px 0;}
  summary{cursor:pointer; list-style:none; font:600 21px var(--serif); display:flex; justify-content:space-between; gap:20px; align-items:center;}
  summary::-webkit-details-marker{display:none;}
  summary::after{content:'+'; font:500 28px var(--sans); color:var(--gold); transition:transform .2s;}
  details[open] summary::after{transform:rotate(45deg);}
  details p{margin-top:12px; color:var(--ink-soft); max-width:62ch;}

  /* CTA */
  .cta{background:var(--navy-dark); color:#fff; text-align:center; padding:96px 0;}
  .cta .kicker{color:var(--sun);}
  .cta h2{font-size:clamp(32px,4.6vw,56px); margin:12px 0 16px;}
  .cta p{max-width:52ch; margin:0 auto 34px; font-size:19px; color:rgba(255,255,255,.92);}
  .cta .btn-cream{background:var(--sun); color:var(--navy-dark); font-size:18px; padding:19px 36px;}
  .cta .btn-cream:hover{background:var(--cream); color:var(--navy-dark);}
  .cta-btns{display:flex; gap:14px; justify-content:center; flex-wrap:wrap;}
  .cta .btn-cream-line{background:transparent; color:var(--cream); border-color:rgba(251,247,238,.6); font-size:18px; padding:19px 36px;}
  .cta .btn-cream-line:hover{background:var(--cream); color:var(--navy-dark);}
  .cta .sub{margin-top:20px; font-size:15px; color:rgba(255,255,255,.85);}
  .cta .sub a{font-weight:600; color:var(--sun);}

  /* FOOTER */
  footer{background:#0B1A2E; color:rgba(251,246,236,.75); padding:56px 0 30px;}
  .f-top{display:flex; justify-content:space-between; gap:40px; flex-wrap:wrap; padding-bottom:34px; border-bottom:1px solid rgba(251,246,236,.15);}
  footer .brand-text strong{color:var(--cream);}
  footer .brand-text small{color:rgba(251,246,236,.55);}
  .f-links{display:flex; gap:56px; flex-wrap:wrap;}
  .f-links h5{font:700 12px var(--sans); letter-spacing:.12em; text-transform:uppercase; color:var(--sun); margin-bottom:14px;}
  .f-links ul{list-style:none;}
  .f-links li{margin-bottom:9px; font-size:15px;}
  .f-links a{text-decoration:none;}
  .f-links a:hover{color:var(--cream);}
  .legal{font-size:12.5px; line-height:1.65; color:rgba(251,246,236,.5); max-width:820px; padding-top:24px;}
  .copy{font-size:13px; color:rgba(251,246,236,.5); margin-top:14px;}

  /* MOBILE TEXT BAR */
  .textbar{display:none;}

  /* RESPONSIVE */
  @media (max-width:980px){
    .hero-grid,.about-grid,.portal-box,.area-grid{grid-template-columns:1fr;}
    .hero-photo-wrap{order:-1; max-width:440px; margin:0 auto 10px;}
    .float-card{left:10px;}
    .svc-grid,.extras{grid-template-columns:1fr;}
    .who-grid{grid-template-columns:1fr 1fr;}
    .steps{grid-template-columns:1fr 1fr; row-gap:40px;}
    .step::after{display:none;}
    .portal-photo{min-height:240px; order:-1;}
    .portal-copy{padding:38px 28px;}
    .about-photo{max-width:380px;}
  }
  @media (max-width:820px){
    .nav-links,.nav-actions .btn-line{display:none;}
    .menu-btn{display:block;}
  }
  @media (max-width:600px){
    body{font-size:16.5px; padding-bottom:74px;}
    .wrap{padding:0 20px;}
    section{padding:64px 0;}
    .hero{padding:36px 0 56px;}
    .who-grid,.steps{grid-template-columns:1fr;}
    .nav-actions .btn-gold{display:none;}
    .f-links{gap:34px;}
    .textbar{
      display:flex; position:fixed; left:0; right:0; bottom:0; z-index:70;
      background:var(--card); border-top:1px solid var(--line); padding:12px 16px; gap:10px;
      box-shadow:0 -8px 24px -12px rgba(35,42,51,.3);
    }
    .textbar .btn{flex:1; padding:14px 10px; font-size:15px;}
  }

  /* BLOG */
  .blog-hero{padding:64px 0 28px;}
  .blog-hero h1{font-size:clamp(36px,5vw,56px); margin:12px 0 14px;}
  .blog-hero p{font-size:19px; color:var(--ink-soft); max-width:60ch;}
  .post-list{display:grid; gap:22px; padding:28px 0 84px; max-width:820px;}
  .post-card{background:var(--card); border:1px solid var(--line); border-radius:20px; padding:30px 32px; text-decoration:none; color:inherit; display:block; transition:transform .15s, box-shadow .15s;}
  .post-card:hover{transform:translateY(-2px); box-shadow:0 10px 30px rgba(16,36,63,.08);}
  .post-card h2{font-size:28px; margin:8px 0 10px;}
  .post-card p{color:var(--ink-soft);}
  .post-card .more{display:inline-block; margin-top:14px; font-weight:700; color:var(--gold-dark);}
  .meta{font-size:14.5px; color:var(--ink-soft);}
  .crumb{font-size:14.5px; margin-bottom:22px;}
  .crumb a{color:var(--gold-dark); font-weight:600; text-decoration:none;}
  .article{max-width:740px; margin:0 auto; padding:56px 28px 40px;}
  .article h1{font-size:clamp(34px,4.6vw,50px); margin:10px 0 16px;}
  .article h2{font-size:28px; margin:40px 0 12px;}
  .article p{margin:0 0 18px;}
  .article ul,.article ol{margin:0 0 20px 22px;}
  .article li{margin-bottom:9px;}
  .article a{color:var(--gold-dark);}
  .sources{margin-top:44px; padding-top:22px; border-top:1px solid var(--line); font-size:15.5px;}
  .sources h2{font-size:20px; margin:0 0 10px;}
  .sources li{margin-bottom:6px;}
  .disclaimer{margin-top:26px; font-size:14.5px; color:var(--ink-soft); background:var(--cream-2); border-radius:14px; padding:16px 20px;}
  .post-cta{margin:40px auto 84px; max-width:740px; padding:0 28px;}
  .post-cta .box{background:var(--navy); color:var(--cream); border-radius:22px; padding:34px;}
  .post-cta h2{font-size:28px; margin-bottom:10px; color:#fff;}
  .post-cta p{color:rgba(251,246,236,.82); margin-bottom:20px;}
  .post-cta .row{display:flex; gap:12px; flex-wrap:wrap;}