:root {
  --navy: #142944;
  --navy-deep: #0b1b2d;
  --amber: #f0a92e;
  --bone: #f4efe4;
  --brass: #a07c3e;
  --ink: #162437;
  --muted: #5c6672;
  --white: #ffffff;
  --line: rgba(20, 41, 68, .16);
  --shadow: 0 24px 70px rgba(15, 31, 49, .14);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: #fffdfa; font: 400 1rem/1.65 "Nunito Sans", system-ui, sans-serif; }
a { color: inherit; }
img { display: block; max-width: 100%; }
h1, h2, h3, p { margin-top: 0; }
h1, h2 { font-family: "Fraunces", Georgia, serif; letter-spacing: -.025em; line-height: 1.03; }
h2 { font-size: clamp(2.15rem, 5vw, 4.25rem); }

.skip-link { position: fixed; z-index: 99; top: 12px; left: 12px; padding: 10px 14px; background: white; transform: translateY(-150%); }
.skip-link:focus { transform: none; }
.site-header { height: 82px; padding: 0 clamp(20px, 5vw, 72px); display: flex; align-items: center; justify-content: space-between; background: rgba(255, 253, 250, .96); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 20; backdrop-filter: blur(12px); }
.brand { display: inline-flex; gap: 12px; align-items: center; text-decoration: none; color: var(--navy); }
.brand strong, .brand small { display: block; line-height: 1.05; }
.brand strong { font: 700 1.18rem "Fraunces", serif; }
.brand small { margin-top: 4px; font-size: .72rem; font-weight: 800; letter-spacing: .19em; text-transform: uppercase; }
.brand-logo { display: block; width: 48px; height: 48px; object-fit: cover; border-radius: 50%; flex: none; }
nav { display: flex; align-items: center; gap: 30px; }
nav a { font-size: .93rem; font-weight: 700; text-decoration: none; }
.nav-cta { padding: 11px 17px; border-radius: 999px; color: var(--navy); background: var(--amber); }
.menu-button { display: none; border: 1px solid var(--line); border-radius: 999px; background: transparent; padding: 9px 14px; color: var(--navy); font: 700 .9rem inherit; }

.hero { position: relative; min-height: min(790px, calc(100vh - 82px)); display: grid; align-items: center; overflow: hidden; background: var(--navy-deep); }
.hero > picture, .hero > picture img, .hero-shade { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero-shade { background: linear-gradient(90deg, rgba(7, 20, 34, .95) 0%, rgba(11, 27, 45, .76) 40%, rgba(11, 27, 45, .2) 72%, rgba(11, 27, 45, .08) 100%); }
.hero-content { position: relative; z-index: 2; width: min(760px, 87vw); margin-left: clamp(24px, 8vw, 130px); padding: 92px 0; color: white; }
.eyebrow { margin-bottom: 22px; color: var(--amber); font-size: .78rem; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; }
.eyebrow.dark { color: var(--brass); }
h1 { max-width: 760px; margin-bottom: 26px; font-size: clamp(3.2rem, 7.2vw, 6.85rem); }
.hero-copy { max-width: 630px; color: rgba(255,255,255,.88); font-size: clamp(1.08rem, 1.8vw, 1.35rem); line-height: 1.55; }
.hero-actions { margin-top: 38px; display: flex; align-items: center; gap: 25px; flex-wrap: wrap; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 54px; padding: 14px 23px; border-radius: 999px; font-weight: 800; text-decoration: none; transition: transform .2s ease, box-shadow .2s ease; }
.button:hover, .button:focus-visible { transform: translateY(-2px); box-shadow: 0 14px 34px rgba(0,0,0,.22); }
.button-primary { background: var(--amber); color: var(--navy-deep); }
.button-light { background: var(--bone); color: var(--navy); }
.text-link { font-weight: 800; text-underline-offset: 5px; }
.microcopy { margin-top: 20px; color: rgba(255,255,255,.66); font-size: .86rem; }

.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); border-bottom: 1px solid var(--line); }
.trust-strip p { margin: 0; padding: 30px clamp(24px, 4vw, 64px); background: var(--bone); }
.trust-strip strong, .trust-strip span { display: block; }
.trust-strip strong { color: var(--navy); font-size: 1.06rem; }
.trust-strip span { margin-top: 5px; color: var(--muted); font-size: .9rem; }

.section { padding: clamp(85px, 12vw, 160px) clamp(24px, 8vw, 130px); }
.section-heading { max-width: 880px; margin-bottom: 64px; }
.section-heading.compact { margin-bottom: 40px; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(28px, 5vw, 80px); }
.steps article { border-top: 1px solid var(--line); padding-top: 28px; }
.steps span { color: var(--brass); font-weight: 800; letter-spacing: .12em; }
.steps h3 { margin: 24px 0 13px; color: var(--navy); font: 700 clamp(1.35rem, 2.2vw, 1.8rem)/1.2 "Fraunces", serif; }
.steps p, .fit-copy > p, .about-card p { color: var(--muted); }

.fit-section { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(300px, .7fr); gap: clamp(50px, 10vw, 150px); align-items: center; background: var(--bone); }
.fit-copy { max-width: 760px; }
.check-list { margin: 32px 0 0; padding: 0; list-style: none; display: grid; gap: 15px; }
.check-list li { position: relative; padding-left: 30px; font-weight: 700; }
.check-list li::before { content: ""; position: absolute; left: 0; top: .58em; width: 13px; height: 7px; border-left: 2px solid var(--brass); border-bottom: 2px solid var(--brass); transform: rotate(-45deg); }
.advisor-note { position: relative; padding: 50px 42px 42px; color: white; background: var(--navy); border-radius: 3px 46px 3px 3px; box-shadow: var(--shadow); }
.advisor-note blockquote { margin: 0 0 34px; font: 600 clamp(1.5rem, 2.7vw, 2.25rem)/1.25 "Fraunces", serif; }
.advisor-note p { margin-bottom: 0; color: rgba(255,255,255,.68); }
.advisor-note .signature { color: var(--amber); font-weight: 800; }
.quote-mark { position: absolute; top: -18px; left: 26px; color: var(--amber) !important; font: 700 6rem/1 "Fraunces", serif; }

.request-section { background: #fffdfa; scroll-margin-top: 82px; }
.request-section .section-heading > p:last-child { color: var(--muted); font-size: 1.08rem; }
.request-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.request-card { display: flex; flex-direction: column; min-height: 280px; padding: clamp(26px, 4vw, 42px); border: 1px solid var(--line); background: white; }
.request-card:first-child { color: white; background: var(--navy); border-color: var(--navy); }
.request-number { color: var(--brass); font-size: .78rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.request-card:first-child .request-number { color: var(--amber); }
.request-card h3 { margin: 18px 0 10px; font: 700 clamp(1.5rem, 2.5vw, 2rem)/1.2 "Fraunces", serif; }
.request-card p { margin: 0 0 30px; color: var(--muted); }
.request-card:first-child p { color: rgba(255,255,255,.78); }
.request-card a { margin-top: auto; width: fit-content; color: var(--navy); font-weight: 800; text-underline-offset: 5px; }
.request-card:first-child a { color: var(--amber); }
.request-card a span { margin-left: 7px; }

.about { background: linear-gradient(135deg, #fffdfa 0 62%, rgba(240,169,46,.12) 62% 100%); }
.about-card { max-width: 830px; padding-left: clamp(0px, 4vw, 60px); border-left: 5px solid var(--amber); }
.about-card p { max-width: 720px; font-size: 1.08rem; }

.answers { padding-top: 90px; background: #fff; }
.accordion { max-width: 920px; border-top: 1px solid var(--line); }
details { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; list-style: none; padding: 24px 50px 24px 0; position: relative; color: var(--navy); font: 700 1.18rem "Fraunces", serif; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 5px; top: 21px; color: var(--brass); font: 400 1.7rem/1 "Nunito Sans", sans-serif; }
details[open] summary::after { content: "−"; }
details p { max-width: 760px; padding: 0 0 24px; color: var(--muted); }

.cta-section { margin: 0 clamp(20px, 5vw, 72px) 72px; padding: clamp(50px, 7vw, 90px); display: flex; align-items: center; justify-content: space-between; gap: 40px; color: white; background: var(--navy); border-radius: 4px 64px 4px 4px; }
.cta-section h2 { margin-bottom: 16px; font-size: clamp(2.4rem, 5vw, 4.5rem); }
.cta-section p:last-child { margin-bottom: 0; color: rgba(255,255,255,.74); }

footer { display: grid; grid-template-columns: 1.2fr .8fr; gap: 24px 60px; padding: 70px clamp(24px, 8vw, 130px) 40px; color: rgba(255,255,255,.72); background: var(--navy-deep); font-size: .88rem; }
.footer-brand strong { color: white; font: 700 1.4rem "Fraunces", serif; }
.footer-brand p { margin: 8px 0 0; }
.footer-contact { display: flex; flex-direction: column; align-items: flex-end; gap: 6px; }
.footer-contact a { color: white; }
.disclosure, .privacy-note { grid-column: 1 / -1; max-width: 900px; margin: 10px 0 0; }
.copyright { grid-column: 1 / -1; margin: 15px 0 0; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); }

@media (max-width: 850px) {
  .menu-button { display: block; }
  nav { display: none; position: absolute; top: 82px; left: 0; right: 0; padding: 22px; flex-direction: column; align-items: stretch; gap: 0; background: #fffdfa; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  nav.open { display: flex; }
  nav a { padding: 13px 7px; }
  .nav-cta { margin-top: 8px; text-align: center; }
  .hero { min-height: 730px; align-items: end; }
  .hero-shade { background: linear-gradient(0deg, rgba(7,20,34,.97) 0%, rgba(11,27,45,.78) 58%, rgba(11,27,45,.15) 100%); }
  .hero > picture img { object-position: 64% center; }
  .hero-content { width: auto; margin: 0; padding: 210px 24px 68px; }
  h1 { font-size: clamp(3rem, 13vw, 5rem); }
  .trust-strip, .steps, .fit-section { grid-template-columns: 1fr; }
  .trust-strip p { padding: 22px 24px; }
  .fit-section { gap: 60px; }
  .request-grid { grid-template-columns: 1fr; }
  .cta-section { align-items: flex-start; flex-direction: column; }
  footer { grid-template-columns: 1fr; }
  .footer-contact { align-items: flex-start; }
  .disclosure, .privacy-note, .copyright { grid-column: auto; }
}

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