:root{--navy:#0B1B2B;--navy2:#13283D;--gold:#C9A96E;--gold2:#B08E52;--cream:#F7F3EC;--cream2:#EFE8DB;--ink:#1C2430;--mute:#5A6473;--line:#E3DCCF;--white:#fff;--serif:"Cormorant Garamond",Georgia,serif;--sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--cream);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2.1rem,5vw,3.4rem)}h2{font-size:clamp(1.7rem,3.6vw,2.4rem)}h3{font-size:1.35rem}h4{font-size:1.05rem;font-family:var(--sans);text-transform:uppercase;letter-spacing:.08em;font-weight:600}
p{margin:0 0 1em}.lead{font-size:1.15rem;color:var(--mute);max-width:62ch}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.narrow{max-width:760px}
.eyebrow{font-size:.8rem;text-transform:uppercase;letter-spacing:.14em;color:var(--gold2);font-weight:600;margin-bottom:.6em}
.btn{display:inline-block;padding:.85rem 1.4rem;border-radius:4px;font-weight:600;text-decoration:none;font-size:.95rem;border:1px solid transparent;transition:.2s}
.btn.gold{background:var(--gold);color:var(--navy);border-color:var(--gold)}.btn.gold:hover{background:var(--gold2);border-color:var(--gold2)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--navy)}.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.small{padding:.55rem 1rem;font-size:.85rem}.btns{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.4rem}
/* header */
.top{background:#fff;color:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line);box-shadow:0 1px 0 rgba(11,27,43,.04)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:84px}
.brand img{height:56px;width:auto}
.nav{display:none;gap:1.4rem;align-items:center}.nav a,.nav button{color:var(--navy);text-decoration:none;font-size:.92rem;font-weight:500;background:none;border:0;cursor:pointer;font-family:inherit;padding:0}
.nav a:hover,.nav button:hover{color:var(--gold2)}
.dd{position:relative;cursor:pointer;color:var(--navy);font-size:.92rem;font-weight:500}.dd-label:hover{color:var(--gold2)}.dd-menu{display:none;position:absolute;top:2rem;left:0;background:#fff;min-width:260px;border-radius:6px;box-shadow:0 14px 40px rgba(0,0,0,.18);padding:.5rem 0}
.dd:hover .dd-menu,.dd:focus-within .dd-menu,.dd:focus .dd-menu{display:block}.dd-menu a{display:block;padding:.6rem 1rem;color:var(--navy);font-size:.92rem}.dd-menu a:hover{background:var(--cream);color:var(--navy)}
.right{display:flex;align-items:center;gap:1rem}.tel{color:var(--navy);text-decoration:none;font-weight:600;font-size:.92rem;display:none}
.burger{background:none;border:1px solid var(--line);color:var(--navy);font-size:1.3rem;border-radius:4px;padding:.2rem .55rem;cursor:pointer;line-height:1.4}
.menu-toggle{position:absolute;opacity:0;width:0;height:0;pointer-events:none}.menu-toggle:checked~.burger{background:var(--cream)}.mobile{display:none;flex-direction:column;background:var(--navy2);padding:.6rem 20px 1.2rem}.top:has(.menu-toggle:checked) .mobile{display:flex}.mobile a{color:#fff;text-decoration:none;padding:.65rem 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:1rem}.mobile a.btn{margin-top:1rem;text-align:center;border:0}
@media(min-width:960px){.nav{display:flex}.burger{display:none}.tel{display:inline}}
/* hero */
.hero{padding:3.5rem 0 3rem;background:linear-gradient(180deg,#fff 0%,var(--cream) 100%);border-bottom:1px solid var(--line)}
.hero.home{padding:4.5rem 0 3.5rem}.hero .wrap{display:grid;gap:2rem;align-items:center}
@media(min-width:900px){.hero.home .wrap{grid-template-columns:1.15fr .85fr}}
.hero h1{margin-bottom:.6em}.hero.plain{padding:3rem 0 2rem}
.proof{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-top:1.5rem}
@media(min-width:700px){.proof{grid-template-columns:repeat(4,1fr)}}
.proof div{background:#fff;border:1px solid var(--line);border-radius:6px;padding:1rem;font-size:.9rem}.proof strong{display:block;font-family:var(--serif);font-size:1.5rem;color:var(--navy);line-height:1.1}
.hero-card{background:var(--navy);color:#fff;border-radius:10px;padding:1.8rem;box-shadow:0 20px 50px rgba(11,27,43,.25)}
.hero-card h3{color:var(--gold);font-size:1.5rem}.hero-card p{color:#d9dde3;font-size:.95rem}.hero-card ul{padding-left:1.1rem;margin:.6rem 0 1.2rem;color:#e8ebef;font-size:.95rem}
.inshort{background:#fff;border-left:4px solid var(--gold);padding:1.1rem 1.3rem;border-radius:4px;margin:1.6rem 0 0;font-size:1rem;color:var(--ink)}
/* sections */
.section{padding:3.5rem 0}.section.alt{background:#fff}.section.navy{background:var(--navy);color:#fff}.section.navy h2,.section.navy h3{color:#fff}.section.navy .eyebrow{color:var(--gold)}.section.navy p{color:#d9dde3}
.cards{display:grid;gap:1.1rem;margin:1.5rem 0 2.5rem}@media(min-width:700px){.cards{grid-template-columns:repeat(2,1fr)}}@media(min-width:1000px){.cards.three{grid-template-columns:repeat(3,1fr)}.cards{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.4rem;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;transition:.2s}
.card:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:0 12px 30px rgba(11,27,43,.08)}
.card h3{font-size:1.25rem;margin-bottom:.4em}.card p{font-size:.95rem;color:var(--mute);flex:1}.card .more{color:var(--gold2);font-weight:600;font-size:.9rem}
.card.q h3{font-family:var(--sans);font-size:1.05rem;font-weight:600}
.section.navy .card{background:var(--navy2);border-color:rgba(201,169,110,.3);color:#fff}.section.navy .card h3{color:var(--gold)}.section.navy .card p{color:#d9dde3}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:1rem;margin:1.5rem 0}@media(min-width:700px){.steps{grid-template-columns:repeat(3,1fr)}}
.steps li{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.2rem 1.2rem 1.2rem 3.4rem;position:relative;font-size:.98rem}
.steps li:before{counter-increment:s;content:counter(s,decimal-leading-zero);position:absolute;left:1.1rem;top:1rem;font-family:var(--serif);font-size:1.5rem;color:var(--gold2);font-weight:600}
.cta{background:var(--navy);color:#fff;padding:4rem 0}.cta h2{color:#fff}.cta .eyebrow{color:var(--gold)}.cta .steps li{background:var(--navy2);border-color:rgba(201,169,110,.3);color:#e8ebef}.cta .btn.ghost{color:#fff;border-color:#fff}.cta .btn.ghost:hover{background:#fff;color:var(--navy)}
.faq{padding:3.5rem 0;background:#fff;border-top:1px solid var(--line)}
details{border-bottom:1px solid var(--line);padding:.9rem 0}summary{cursor:pointer;font-weight:600;font-size:1.05rem;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:1rem}summary::-webkit-details-marker{display:none}summary:after{content:"+";color:var(--gold2);font-size:1.4rem;line-height:1}details[open] summary:after{content:"–"}.ans{padding-top:.6rem;color:var(--ink)}
/* advisors */
.adv{display:grid;gap:1.4rem;margin:1.5rem 0}@media(min-width:800px){.adv{grid-template-columns:repeat(2,1fr)}}
.advc{background:#fff;border:1px solid var(--line);border-radius:10px;padding:1.6rem;display:grid;grid-template-columns:84px 1fr;gap:1.2rem}
.avatar{width:84px;height:84px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.9rem;font-weight:600}
.advc h3{margin-bottom:.1em}.advc .role{color:var(--gold2);font-weight:600;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.6em}.advc .who{font-weight:600;margin-bottom:.4em}
/* post */
.post{padding:2.5rem 0 3rem;background:#fff}.crumb{font-size:.85rem;color:var(--mute)}.meta{color:var(--mute);font-size:.9rem;margin-bottom:1.5rem}
.short{background:var(--cream);border-left:4px solid var(--gold);padding:1rem 1.2rem;border-radius:4px;margin-bottom:1.8rem;font-size:1.05rem}
.post h2{font-size:1.6rem;margin-top:2rem}.post h3{margin-top:1.4rem}.post ul,.post ol{padding-left:1.3rem}.post li{margin-bottom:.4em}
.post table{border-collapse:collapse;width:100%;margin:1rem 0 1.5rem;font-size:.95rem}.post th,.post td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left;vertical-align:top}.post th{background:var(--cream)}
.inline-cta{background:var(--navy);color:#fff;padding:1.5rem;border-radius:8px;margin:2.2rem 0}.inline-cta p{color:#e8ebef}.inline-cta .btn.ghost{color:#fff;border-color:#fff}
.rel{padding-left:1.2rem}.rel li{margin-bottom:.5em}
.two{display:grid;gap:2rem}@media(min-width:860px){.two{grid-template-columns:1fr 1fr}}
.check{list-style:none;padding:0}.check li{padding-left:1.7rem;position:relative;margin-bottom:.6em}.check li:before{content:"✓";position:absolute;left:0;color:var(--gold2);font-weight:700}
.cal{min-height:700px;background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.quote{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.4rem;font-style:italic}.quote cite{display:block;margin-top:.8rem;font-style:normal;font-weight:600;font-size:.9rem;color:var(--mute)}
.foot{background:var(--navy);color:#cfd5dd;padding:3rem 0 1.5rem;font-size:.92rem}.foot a{color:#fff}.foot h4{color:var(--gold)}.foot ul{list-style:none;padding:0;margin:0}.foot li{margin-bottom:.4em}
.grid4{display:grid;gap:2rem}@media(min-width:800px){.grid4{grid-template-columns:1.3fr 1fr 1fr 1.2fr}}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.2rem;font-size:.8rem;color:#9aa4b2}
.small{font-size:.88rem}
.notice{background:var(--cream2);border-radius:6px;padding:1rem 1.2rem;font-size:.92rem}

.foot img{height:56px;width:auto;margin-bottom:.8rem}
.hero.home{background:linear-gradient(180deg,#fff 0%,var(--cream) 100%)}

.dd-menu{top:1.6rem;padding-top:.6rem}
.dd:before{content:"";position:absolute;left:0;right:0;top:100%;height:.8rem}

.cal-modal{position:fixed;inset:0;background:rgba(11,27,43,.72);display:none;align-items:center;justify-content:center;z-index:1000;padding:16px}
.cal-modal.on{display:flex}
.cal-box{position:relative;width:min(1000px,100%);height:min(760px,100%);background:#fff;border-radius:12px;box-shadow:0 30px 80px rgba(0,0,0,.4);overflow:hidden}
.cal-frame,.cal-frame iframe{width:100%;height:100%;border:0;display:block}
.cal-close{position:absolute;top:8px;right:8px;z-index:2;width:38px;height:38px;border-radius:50%;border:0;background:var(--navy);color:#fff;font-size:1.5rem;line-height:1;cursor:pointer}
.cal-close:hover{background:var(--gold2)}

.facts{border-collapse:collapse;width:100%;background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden}.facts th,.facts td{padding:.7rem 1rem;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;font-size:.95rem}.facts th{width:34%;color:var(--mute);font-weight:600;background:var(--cream)}