:root{--navy:#14263d;--navy-2:#1e3a5f;--accent:#c8772e;--accent-d:#a85f1c;--sand:#f6f1e9;--ink:#1d2430;--muted:#4b5666;--line:#ddd5c8;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:1.0625rem}
img{max-width:100%}
a{color:var(--navy-2)}
a:hover{color:var(--accent-d)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--accent);color:#fff;padding:.6rem 1rem;z-index:100}
.skip:focus{left:0}
.wrap{max-width:1080px;margin:0 auto;padding:0 1.25rem}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(2rem,5vw,3rem)}
h2{font-size:clamp(1.5rem,3.2vw,2rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
/* header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;border-bottom:4px solid var(--accent)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;padding-top:.8rem;padding-bottom:.8rem}
.brand{color:#fff;text-decoration:none;font-weight:700;font-size:1.3rem;letter-spacing:.02em}
.brand span{color:#e9a566}
.brand:hover{color:#fff}
.nav{display:flex;flex-wrap:wrap;gap:.25rem .5rem;align-items:center;list-style:none;margin:0;padding:0}
.nav a{color:#e8edf3;text-decoration:none;padding:.45rem .7rem;border-radius:4px;font-size:.98rem;display:inline-block}
.nav a:hover{background:var(--navy-2);color:#fff}
.nav a[aria-current="page"]{color:#fff;box-shadow:inset 0 -3px 0 var(--accent)}
.nav .nav-cta{background:var(--accent);color:#fff;font-weight:600}
.nav .nav-cta:hover{background:var(--accent-d)}
/* buttons */
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:.85rem 1.5rem;border-radius:5px;border:0;cursor:pointer;font-size:1rem;font-family:inherit}
.btn:hover{background:var(--accent-d);color:#fff}
.btn-alt{background:transparent;border:2px solid #fff;color:#fff}
.btn-alt:hover{background:#fff;color:var(--navy)}
.btn-row{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.4rem}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:4rem 0 4.2rem}
.hero h1{color:#fff;max-width:20ch}
.hero p{max-width:60ch;font-size:1.15rem;color:#e6ebf1}
.hero .eyebrow,.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:#e9a566;margin-bottom:.8rem}
.page-hero{padding:3rem 0 3.2rem}
.page-hero h1{font-size:clamp(1.9rem,4.4vw,2.6rem);max-width:none}
/* sections */
section{padding:3.5rem 0}
.alt{background:var(--sand)}
.lead{font-size:1.15rem;color:var(--muted);max-width:68ch}
.grid{display:grid;gap:1.25rem;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));margin-top:1.5rem}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--accent);border-radius:6px;padding:1.4rem}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.alt .card{background:#fff}
.steps{counter-reset:s;list-style:none;padding:0;margin:1.5rem 0 0;display:grid;gap:1.25rem;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:6px;padding:1.4rem 1.4rem 1.4rem 1.4rem;position:relative}
.steps li::before{content:counter(s);display:inline-flex;width:2.2rem;height:2.2rem;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;align-items:center;justify-content:center;margin-bottom:.7rem}
.steps li h3{margin-bottom:.3em}
.steps li p:last-child{margin:0}
.timeline{list-style:none;padding:0;margin:2rem 0 0;border-left:4px solid var(--accent)}
.timeline li{padding:0 0 2rem 1.5rem;position:relative}
.timeline li:last-child{padding-bottom:0}
.timeline .tag{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-d)}
.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{padding-left:1.6rem;position:relative;margin-bottom:.5rem}
.checks li::before{content:"";position:absolute;left:.15rem;top:.55em;width:.55rem;height:.55rem;background:var(--accent);border-radius:50%}
.two{display:grid;gap:2rem;grid-template-columns:1fr}
@media(min-width:800px){.two{grid-template-columns:1.2fr 1fr}.two.even{grid-template-columns:1fr 1fr}}
.service{padding:1.6rem 0;border-bottom:1px solid var(--line)}
.service:last-of-type{border-bottom:0}
.service h3{color:var(--navy)}
/* CTA band */
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:3.2rem 0}
.cta-band h2{color:#fff}
.cta-band p{color:#dfe6ee;max-width:60ch;margin:0 auto 1.2rem}
/* notes / placeholders */
.note{background:#fff8ec;border:1px solid #ecd2a8;border-left:4px solid var(--accent);padding:1rem 1.2rem;border-radius:4px;font-size:.98rem}
.ph{background:#fff1cc;padding:0 .25em;border-radius:3px;color:#5c3b00}
/* form */
form{display:grid;gap:1rem}
label{font-weight:600;display:block;margin-bottom:.3rem;color:var(--navy)}
input,textarea{width:100%;font:inherit;padding:.7rem .8rem;border:1px solid #8b93a0;border-radius:5px;background:#fff;color:var(--ink)}
textarea{min-height:170px;resize:vertical}
.row{display:grid;gap:1rem;grid-template-columns:1fr}
@media(min-width:620px){.row{grid-template-columns:1fr 1fr}}
.req{color:#a3321a}
.small{font-size:.92rem;color:var(--muted)}
/* footer */
.site-footer{background:#0e1b2c;color:#cfd8e3;padding:3rem 0 2rem;font-size:.97rem}
.site-footer a{color:#f0c18f}
.site-footer a:hover{color:#fff}
.site-footer h3{color:#fff;font-size:1rem;text-transform:uppercase;letter-spacing:.08em}
.foot-grid{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:.4rem}
.disclaimer{border-top:1px solid #2a3b52;margin-top:2rem;padding-top:1.2rem;font-size:.9rem;color:#b9c4d2}
@media(max-width:640px){
 .site-header{position:static}
 .nav{width:100%}
 .nav{gap:.1rem}
 .nav a{padding:.45rem .5rem;font-size:.93rem}
 .hero{padding:2.8rem 0 3rem}
 section{padding:2.6rem 0}
 .btn{width:100%;text-align:center}
}
@media(min-width:800px){aside{align-self:start;position:sticky;top:5.5rem}}