:root{
  --navy:#1b3a2f;
  --navy-light:#24493c;
  --gold:#a8823c;
  --gold-light:#c9a565;
  --cream:#f6f3ea;
  --ink:#1e241e;
  --muted:#5c665c;
  --line:#e4ddd0;
}
*{box-sizing:border-box;margin:0;padding:0;}
body{
  font-family:'Georgia', 'Times New Roman', serif;
  background:var(--cream);
  color:var(--ink);
  line-height:1.6;
}
.sans{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;}
a{color:inherit;}
img{max-width:100%;display:block;}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px;}

/* Header */
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;}
.nav{display:flex;align-items:center;justify-content:space-between;padding:18px 0;}
.logo{font-size:1.3rem;letter-spacing:0.5px;font-weight:700;}
.logo span{color:var(--gold-light);}
.logo-link{text-decoration:none;cursor:pointer;transition:opacity .15s;}
.logo-link:hover{opacity:0.8;}
nav.links{display:flex;gap:24px;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;font-size:0.9rem;}
nav.links a{text-decoration:none;color:#e5e8de;padding:6px 2px;border-bottom:2px solid transparent;transition:border-color .2s, color .2s;}
nav.links a:hover{color:#fff;border-bottom-color:var(--gold);}
nav.links a.active{color:#fff;border-bottom-color:var(--gold);}
.nav-cta{background:var(--gold);color:var(--navy);font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;font-weight:700;font-size:0.86rem;padding:9px 16px;border-radius:3px;text-decoration:none;white-space:nowrap;}

/* Hero (home) */
.hero{background:linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);color:#fff;padding:90px 0 70px;position:relative;overflow:hidden;}
.hero::after{content:"";position:absolute;right:-120px;top:-80px;width:420px;height:420px;border:1px solid rgba(212,184,118,0.25);border-radius:50%;}
.hero::before{content:"";position:absolute;right:-40px;top:60px;width:280px;height:280px;border:1px solid rgba(212,184,118,0.18);border-radius:50%;}
.hero-inner{max-width:640px;position:relative;}
.eyebrow{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;text-transform:uppercase;letter-spacing:2px;font-size:0.78rem;color:var(--gold-light);margin-bottom:18px;font-weight:600;}
.hero h1{font-size:2.9rem;line-height:1.15;margin-bottom:20px;font-weight:400;letter-spacing:0.5px;}
.hero p.lead{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;font-size:1.08rem;color:#d9ddd0;margin-bottom:34px;max-width:540px;}
.btn-row{display:flex;gap:16px;flex-wrap:wrap;}
.btn{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;display:inline-block;padding:14px 28px;border-radius:3px;text-decoration:none;font-weight:700;font-size:0.95rem;}
.btn-primary{background:var(--gold);color:var(--navy);}
.btn-primary:hover{background:var(--gold-light);}
.btn-outline{border:1px solid rgba(255,255,255,0.4);color:#fff;}
.btn-outline:hover{border-color:#fff;}

/* Inner page hero (every page except home) */
.page-hero{background:linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);color:#fff;padding:60px 0;position:relative;overflow:hidden;}
.page-hero::after{content:"";position:absolute;right:-100px;top:-60px;width:300px;height:300px;border:1px solid rgba(212,184,118,0.2);border-radius:50%;}
.page-hero .eyebrow{margin-bottom:12px;}
.page-hero h1{font-size:2.1rem;font-weight:400;margin-bottom:12px;position:relative;}
.page-hero p{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:#d9ddd0;max-width:620px;font-size:1rem;position:relative;}

/* Stats strip */
.stats{background:var(--navy-light);border-top:1px solid rgba(255,255,255,0.1);}
.stats-inner{display:flex;justify-content:space-between;padding:28px 0;flex-wrap:wrap;gap:20px;}
.stat{flex:1;min-width:150px;text-align:center;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;}
.stat .n{color:var(--gold-light);font-size:1.7rem;font-weight:700;}
.stat .l{color:#d9ddd0;font-size:0.82rem;text-transform:uppercase;letter-spacing:0.5px;}
.placeholder-flag{display:inline-block;margin-top:4px;font-size:0.68rem;color:#8f9a8a;font-style:italic;}

/* Sections */
section{padding:76px 0;}
.section-head{max-width:640px;margin-bottom:44px;}
.section-head .eyebrow{color:var(--gold);}
.section-head h2{font-size:1.9rem;font-weight:400;color:var(--navy);margin-bottom:14px;}
.section-head p{color:var(--muted);font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;}
.section-alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}

/* Three pillars */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.pillar{background:#fff;border:1px solid var(--line);border-radius:6px;padding:30px;position:relative;}
.pillar .tag{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--gold);font-size:0.75rem;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;margin-bottom:12px;}
.pillar h3{color:var(--navy);font-size:1.2rem;margin-bottom:12px;font-weight:700;}
.pillar p{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--muted);font-size:0.95rem;}

/* Compact teaser cards (home page summaries) */
.teasers{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.teasers.cols-2{grid-template-columns:repeat(2,1fr);}
.teaser-card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:26px;display:flex;flex-direction:column;}
.teaser-card .tag{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--gold);font-size:0.72rem;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;margin-bottom:10px;}
.teaser-card h3{color:var(--navy);font-size:1.1rem;margin-bottom:10px;font-weight:700;}
.teaser-card p{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--muted);font-size:0.92rem;margin-bottom:16px;flex-grow:1;}
.teaser-card .more{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;font-size:0.86rem;font-weight:700;color:var(--navy);text-decoration:none;}
.teaser-card .more:hover{color:var(--gold);}
.teaser-card .more::after{content:" →";}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:20px;}
.step{position:relative;padding-top:8px;}
.step-num{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold-light);font-weight:700;margin-bottom:18px;}
.step h3{font-size:1.1rem;color:var(--navy);margin-bottom:10px;font-weight:700;}
.step p{color:var(--muted);font-size:0.94rem;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;}

/* Callout */
.callout{background:var(--navy);color:#fff;border-radius:6px;padding:32px 36px;display:flex;align-items:flex-start;gap:24px;margin-top:52px;}
.callout .mark{font-size:2.2rem;color:var(--gold);font-weight:700;line-height:1;}
.callout p{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:#e5e8de;font-size:0.96rem;}
.callout a{color:var(--gold-light);text-decoration:underline;}

/* Testimonial */
.testimonial-box{border:2px dashed var(--gold);border-radius:6px;padding:36px;background:#fffdf7;position:relative;}
.testimonial-box .flag{position:absolute;top:-13px;left:24px;background:var(--gold);color:var(--navy);font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;font-size:0.72rem;font-weight:700;letter-spacing:0.5px;padding:3px 10px;border-radius:3px;text-transform:uppercase;}
.testimonial-box blockquote{font-style:italic;color:var(--navy);font-size:1.05rem;margin-bottom:14px;}
.testimonial-box cite{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--muted);font-size:0.85rem;font-style:normal;}

/* Detail grid (how it works) */
.detail-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:56px;align-items:start;}
.detail-grid h3{color:var(--navy);font-size:1.2rem;margin:26px 0 10px;font-weight:700;}
.detail-grid h3:first-child{margin-top:0;}
.detail-grid p, .detail-grid li{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--muted);font-size:0.96rem;}
.detail-grid ul{padding-left:20px;margin-top:8px;}
.detail-grid li{margin-bottom:8px;}
.side-card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:26px;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;margin-bottom:22px;}
.side-card h4{color:var(--navy);text-transform:uppercase;letter-spacing:0.5px;font-size:0.8rem;margin-bottom:14px;}
.bucket-row{display:flex;gap:4px;margin:14px 0;flex-wrap:wrap;}
.bucket{width:22px;height:22px;border-radius:3px;background:var(--gold-light);}
.bucket.rolled{background:var(--line);}
.side-card .fine{color:var(--muted);font-size:0.82rem;margin-top:10px;}

/* Legal foundation */
.legal-grid{display:grid;grid-template-columns:1fr;gap:18px;}
.legal-item{background:#fff;border-left:3px solid var(--gold);border-radius:0 6px 6px 0;padding:20px 24px;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;}
.legal-item h4{color:var(--navy);font-size:1rem;margin-bottom:8px;}
.legal-item p{color:var(--muted);font-size:0.94rem;}
.legal-item.caution{border-left-color:#9c8b3d;background:#fbf8ee;}

/* FAQ */
.faq-item{border-bottom:1px solid var(--line);padding:20px 0;}
.faq-item summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:1.02rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";color:var(--gold);font-size:1.4rem;font-weight:400;flex-shrink:0;}
.faq-item[open] summary::after{content:"–";}
.faq-item p{margin-top:12px;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--muted);font-size:0.94rem;max-width:720px;}
.faq-item .fill{background:#fbf3df;border:1px dashed var(--gold);padding:2px 6px;border-radius:3px;color:#8a6d1f;font-size:0.88rem;}

/* About */
.about-grid{display:grid;grid-template-columns:0.8fr 1.2fr;gap:48px;align-items:center;}
.about-photo{background:linear-gradient(135deg, var(--navy), var(--navy-light));border-radius:6px;aspect-ratio:4/5;display:flex;align-items:center;justify-content:center;color:var(--gold-light);font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;font-size:0.85rem;text-align:center;padding:20px;}
.about-grid p{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--muted);margin-bottom:14px;}
.about-list{margin-top:20px;}
.about-list li{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:var(--muted);font-size:0.94rem;margin-bottom:8px;list-style:none;padding-left:22px;position:relative;}
.about-list li::before{content:"—";position:absolute;left:0;color:var(--gold);}

/* Closing CTA banner (bottom of inner pages) */
.cta-banner{background:var(--navy);color:#fff;border-radius:8px;padding:40px 48px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px;}
.cta-banner h3{font-size:1.4rem;font-weight:400;}
.cta-banner p{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:#d9ddd0;font-size:0.95rem;margin-top:6px;}

/* Contact */
.contact-wrap{background:var(--navy);color:#fff;border-radius:8px;padding:56px;display:grid;grid-template-columns:1fr 1fr;gap:48px;}
.contact-wrap h2{font-size:1.9rem;font-weight:400;margin-bottom:16px;}
.contact-wrap > div:first-child p{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;color:#d9ddd0;margin-bottom:24px;}
.contact-note{font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;border-left:2px solid var(--gold);padding-left:16px;font-size:0.9rem;color:#e5e8de;}
form{display:flex;flex-direction:column;gap:14px;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;}
form label{font-size:0.82rem;color:#d9ddd0;margin-bottom:4px;display:block;}
form input, form textarea{width:100%;padding:11px 13px;border-radius:4px;border:1px solid rgba(255,255,255,0.25);background:rgba(255,255,255,0.06);color:#fff;font-family:inherit;font-size:0.94rem;}
form input::placeholder, form textarea::placeholder{color:#8f9a8a;}
form input:focus, form textarea:focus{outline:none;border-color:var(--gold);}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
form button{margin-top:8px;background:var(--gold);color:var(--navy);border:0;padding:13px;border-radius:4px;font-weight:700;font-size:0.95rem;cursor:pointer;font-family:inherit;}
form button:hover{background:var(--gold-light);}

/* Footer */
footer{background:#101f18;color:#8fa094;padding:40px 0 30px;font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;}
.footer-top{display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,0.08);margin-bottom:20px;}
.footer-top .logo{color:#fff;font-family:'Georgia',serif;}
.footer-links{display:flex;gap:22px;font-size:0.86rem;flex-wrap:wrap;}
.footer-links a{text-decoration:none;color:#8fa094;}
.footer-links a:hover{color:#fff;}
.disclaimer{font-size:0.78rem;line-height:1.6;max-width:900px;color:#6d7a6d;}

@media (max-width: 860px){
  nav.links{display:none;}
  .hero h1{font-size:2.1rem;}
  .pillars{grid-template-columns:1fr;}
  .teasers{grid-template-columns:1fr;}
  .steps{grid-template-columns:1fr;}
  .detail-grid{grid-template-columns:1fr;}
  .about-grid{grid-template-columns:1fr;}
  .contact-wrap{grid-template-columns:1fr;padding:32px 22px;}
  .row2{grid-template-columns:1fr;}
  .footer-top{flex-direction:column;}
  .stats-inner{justify-content:flex-start;}
  .cta-banner{flex-direction:column;align-items:flex-start;}
}