:root{--navy:#142c44;--navy-2:#1d3a57;--gold:#b89042;--gold-2:#c99a3e;--paper:#f7f8fa;--ink:#24374a;--muted:#5b6978;--line:#e1e6eb;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0}
p{margin:0 0 14px}
.shell{width:min(1120px,100% - 40px);margin:0 auto}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 14px;z-index:99}

/* header */
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#1a1a1a}
.brand svg{flex-shrink:0}
.wordmark{display:block;font-size:21px;letter-spacing:5px;line-height:1.1}
.slogan{display:block;font-size:9.5px;letter-spacing:2px;color:#5b6978;margin-top:4px}
.brand-light{color:#fff}.brand-light .slogan{color:#e2d4b7}
.site-header nav{display:flex;gap:28px;font-size:15px;font-weight:600}
.site-header nav a{text-decoration:none;color:var(--ink)}
.site-header nav a:hover{color:var(--gold)}
.header-call{display:inline-flex;align-items:center;gap:8px;font-weight:700;text-decoration:none;color:var(--navy);white-space:nowrap}
.header-call svg{color:var(--gold)}

/* buttons */
.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 24px;border-radius:6px;font-weight:700;font-size:16px;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit}
.button-gold{background:var(--gold);color:#fff}.button-gold:hover{background:#a37d33}
.button-outline{border-color:rgba(255,255,255,.6);color:#fff}.button-outline:hover{background:rgba(255,255,255,.1)}
.button-navy-outline{border-color:var(--navy);color:var(--navy)}.button-navy-outline:hover{background:var(--navy);color:#fff}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:84px 0 92px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-180px;top:-180px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(184,144,66,.22),transparent 70%)}
.hero-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:56px;align-items:center;position:relative;z-index:1}
.hero h1{color:#fff;font-size:clamp(34px,5vw,54px);letter-spacing:-1px;margin-bottom:20px}
.hero-lead{font-size:19px;color:#d7e0ea;max-width:600px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin:30px 0 22px}
.hero-note{font-size:14px;color:#aebccb}
.balance-panel{background:#fff;color:var(--ink);border-radius:10px;padding:34px;box-shadow:0 24px 60px rgba(0,0,0,.25)}
.balance-panel img{width:110px;height:auto;margin-bottom:18px}
.balance-panel .eyebrow{margin-bottom:6px}
.balance-panel h2{font-size:26px;margin-bottom:18px}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.checks li{display:flex;gap:10px;align-items:flex-start}
.checks svg{flex-shrink:0;color:var(--gold);margin-top:3px}

/* trust strip */
.trust{background:var(--paper);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:26px 0}
.trust-grid div{display:flex;gap:12px;align-items:center;font-size:16px}
.trust-grid svg{color:var(--gold);flex-shrink:0}

/* sections */
.section{padding:88px 0}
.section-heading{max-width:680px;margin-bottom:44px}
.section-heading h2,.fit-copy h2,.faq-intro h2,.contact-copy h2{font-size:clamp(28px,3.6vw,40px);letter-spacing:-.5px;margin-bottom:14px}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step-card{border:1px solid var(--line);border-radius:10px;padding:28px;background:#fff}
.step-number{display:block;font-size:14px;font-weight:700;color:var(--gold);letter-spacing:1px;margin-bottom:14px}
.step-card h3{font-size:19px;margin-bottom:10px}
.step-card p{color:var(--muted);font-size:16px;margin:0}

.fit-section{background:var(--paper)}
.fit-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.fit-callout{margin-top:24px;padding:22px 24px;border-left:4px solid var(--gold);background:#fff;border-radius:0 8px 8px 0}
.fit-callout strong{display:block;color:var(--navy);margin-bottom:10px}
.documents-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:32px}
.documents-card h3{font-size:22px;margin-bottom:16px}
.documents-card ul{padding-left:20px;margin:0 0 16px}
.documents-card li{margin:8px 0}
.small-note{font-size:14px;color:var(--muted);margin:0}

.legal{background:var(--navy);color:#d7e0ea;padding:64px 0}
.legal-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.legal h2{color:#fff;font-size:clamp(24px,3vw,32px)}
.legal p{margin:0 0 12px}

.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px}
.faq-intro p{color:var(--muted)}
details{border-bottom:1px solid var(--line);padding:20px 0}
details:first-child{border-top:1px solid var(--line)}
summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px;font-weight:700;color:var(--navy);font-size:18px}
summary::-webkit-details-marker{display:none}
summary span{color:var(--gold);font-size:22px;line-height:1;transition:transform .2s}
details[open] summary span{transform:rotate(45deg)}
details p{margin:14px 0 0;color:var(--muted)}

/* contact */
.contact{background:var(--paper);border-top:1px solid var(--line)}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.contact-copy p{color:var(--muted)}
.contact-direct{margin-top:26px;display:grid;gap:12px}
.contact-direct a{display:inline-flex;gap:10px;align-items:center;font-weight:700;color:var(--navy);text-decoration:none;font-size:18px}
.contact-direct svg{color:var(--gold)}
.form-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:32px;box-shadow:0 10px 30px rgba(20,44,68,.06)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
label{font-size:14px;font-weight:700;color:var(--navy)}
label .opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:inherit;font-size:16px;padding:12px 14px;border:1px solid #c9d2db;border-radius:6px;background:#fff;color:var(--ink);width:100%}
textarea{min-height:110px;resize:vertical}
.form-consent{font-size:13px;color:var(--muted);margin:16px 0 18px}
.form-consent a{color:var(--navy)}
.hidden{display:none}
.form-card .button{width:100%}

/* footer */
footer{background:#0f2133;color:#aebccb;padding:48px 0 34px;font-size:14px}
.footer-main{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.12)}
.footer-links{display:flex;flex-wrap:wrap;gap:12px 26px}
.footer-links a{color:#fff;text-decoration:none;font-weight:600}
.footer-links a:hover{color:var(--gold-2)}
.footer-legal{padding-top:22px}
.footer-legal p{margin:0 0 10px}

@media (max-width:960px){
  .site-header nav{display:none}
  .hero-grid,.fit-grid,.legal-grid,.faq-grid,.contact-grid{grid-template-columns:1fr;gap:36px}
  .steps-grid{grid-template-columns:1fr 1fr}
  .balance-panel{max-width:520px}
}
@media (max-width:620px){
  body{font-size:16px}
  .nav-wrap{height:66px}.wordmark{font-size:18px;letter-spacing:4px}.slogan{font-size:8px;letter-spacing:1.2px}
  .header-call span{display:none}
  .hero{padding:56px 0 64px}
  .hero-actions .button{width:100%}
  .trust-grid,.steps-grid,.form-grid{grid-template-columns:1fr}
  .section{padding:64px 0}
  .balance-panel,.documents-card,.form-card{padding:24px}
}

/* ---- subpages ---- */
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;font-weight:700;color:var(--navy);padding:8px 12px;border:1px solid var(--line);border-radius:6px;font-size:15px}
.mnav summary::-webkit-details-marker{display:none}
.mnav[open] summary{background:var(--paper)}
.mnav .mnav-panel{position:absolute;right:0;top:46px;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 16px 40px rgba(20,44,68,.15);padding:10px;min-width:230px;display:grid}
.mnav .mnav-panel a{padding:10px 12px;text-decoration:none;color:var(--ink);font-weight:600;border-radius:6px}
.mnav .mnav-panel a:hover{background:var(--paper)}
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:56px 0 60px}
.page-hero h1{color:#fff;font-size:clamp(30px,4.4vw,46px);letter-spacing:-.8px;margin-bottom:16px;max-width:820px}
.page-hero .lead{font-size:19px;color:#d7e0ea;max-width:760px;margin:0}
.crumbs{font-size:13px;color:#aebccb;margin-bottom:18px}
.crumbs a{color:#d7e0ea;text-decoration:none}.crumbs a:hover{text-decoration:underline}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding:64px 0 80px;align-items:start}
.prose{max-width:740px}
.prose h2{font-size:26px;margin:36px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:20px;margin:26px 0 10px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 18px}
.prose li{margin:8px 0}
.prose a{color:var(--navy);font-weight:600;text-underline-offset:3px}
.prose .small,.small{font-size:14px;color:var(--muted)}
.callout{background:#faf7ef;border-left:4px solid var(--gold);padding:18px 22px;border-radius:0 8px 8px 0;margin:0 0 28px}
table.data{width:100%;border-collapse:collapse;margin:8px 0 14px;font-size:15px}
table.data th,table.data td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.data th{background:var(--paper);color:var(--navy);font-size:13px;text-transform:uppercase;letter-spacing:.5px}
.table-wrap{overflow-x:auto}
.sidebar{position:sticky;top:100px;display:grid;gap:20px}
.side-card{border:1px solid var(--line);border-radius:10px;padding:24px;background:#fff}
.side-card.dark{background:var(--navy);color:#d7e0ea;border-color:var(--navy)}
.side-card.dark h3{color:#fff}
.side-card h3{font-size:19px;margin-bottom:10px}
.side-card p{font-size:15px}
.side-card .button{width:100%;margin-top:6px}
.side-card ul{list-style:none;padding:0;margin:0}
.side-card li{border-top:1px solid var(--line);padding:10px 0}
.side-card li:first-child{border-top:0}
.side-card li a{text-decoration:none;color:var(--navy);font-weight:600;font-size:15px}
.side-card li a:hover{color:var(--gold)}
.page-faq{margin-top:44px}
.cta-band{background:var(--paper);border-top:1px solid var(--line);padding:56px 0}
.cta-band .shell{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(24px,3vw,32px);margin-bottom:8px}
.cta-band p{color:var(--muted);margin:0}
.cta-band .actions{display:flex;gap:12px;flex-wrap:wrap}
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;padding:56px 0 80px}
.link-card{display:block;border:1px solid var(--line);border-radius:10px;padding:26px;text-decoration:none;background:#fff;transition:border-color .15s,box-shadow .15s}
.link-card:hover{border-color:var(--gold);box-shadow:0 10px 26px rgba(20,44,68,.08)}
.link-card h2{font-size:20px;margin-bottom:8px}
.link-card p{color:var(--muted);font-size:15px;margin:0}
.link-card .more{display:inline-block;margin-top:14px;color:var(--gold);font-weight:700;font-size:14px}
.explore{background:var(--paper);border-top:1px solid var(--line)}
.explore .card-grid{padding:0}
.explore-head{margin-bottom:28px}
.footer-cols{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:32px;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.12)}
.footer-cols h3{color:#fff;font-size:14px;letter-spacing:1px;text-transform:uppercase;margin-bottom:12px}
.footer-cols ul{list-style:none;padding:0;margin:0}
.footer-cols li{margin:7px 0}
.footer-cols a{color:#d7e0ea;text-decoration:none}
.footer-cols a:hover{color:var(--gold-2)}
.footer-contact-list a{color:#fff;font-weight:600}
.calc{border:1px solid var(--line);border-radius:10px;padding:28px;background:#fff;margin:0 0 30px}
.calc .form-grid{margin-bottom:6px}
.calc-results{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:22px}
.calc-results div{background:var(--paper);border-radius:8px;padding:16px}
.calc-results span{display:block;font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
.calc-results strong{display:block;font-size:26px;color:var(--navy);margin-top:4px}
.calc-results .warn strong{color:#a5521c}
@media (max-width:960px){
  .mnav{display:block}
  .article-grid{grid-template-columns:minmax(0,1fr);gap:36px}
  .sidebar{position:static}
  .footer-cols{grid-template-columns:1fr 1fr}
}
@media (max-width:620px){
  .header-call span{display:none}
  .site-header .slogan{display:none}
  .footer-cols{grid-template-columns:1fr}
  .calc-results{grid-template-columns:1fr}
  .cta-band .actions .button{width:100%}
}