/* Layout concept: light editorial — ivory ground, washed City imagery under navy panels, serif display, gold used sparingly as the one bold element. */
:root{
  --bg:#F7F4ED; --surface:#FFFFFF; --band:#EFE9DD;
  --navy:#0E1F33; --navy-2:#14304F;
  --ink:#1F2D3D; --muted:#56687C;
  --gold:#A8842C; --gold-bright:#C9A24B;
  --line:rgba(14,31,51,.14);
  --on-navy:#F3EFE6; --on-navy-muted:#AEBDCE;
  --shadow:0 18px 50px -18px rgba(14,31,51,.25);
  --serif:"Fraunces", Georgia, "Times New Roman", serif;
  --sans:"Readex Pro", system-ui, -apple-system, "Segoe UI", sans-serif;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0B1726; --surface:#101F33; --band:#0E1C2F;
    --navy:#0C1A2C; --navy-2:#152F4C;
    --ink:#E8E5DC; --muted:#9DAABB;
    --gold:#C9A24B; --gold-bright:#D8B35E;
    --line:rgba(232,229,220,.15);
    --on-navy:#EFEBE1; --on-navy-muted:#9FB0C3;
    --shadow:0 18px 50px -18px rgba(0,0,0,.6);
    color-scheme: dark;
  }
}
:root[data-theme="dark"]{
  --bg:#0B1726; --surface:#101F33; --band:#0E1C2F;
  --navy:#0C1A2C; --navy-2:#152F4C;
  --ink:#E8E5DC; --muted:#9DAABB;
  --gold:#C9A24B; --gold-bright:#D8B35E;
  --line:rgba(232,229,220,.15);
  --on-navy:#EFEBE1; --on-navy-muted:#9FB0C3;
  --shadow:0 18px 50px -18px rgba(0,0,0,.6);
  color-scheme: dark;
}
*{box-sizing:border-box}
body{background:var(--bg); color:var(--ink); font-family:var(--sans); font-weight:300; margin:0; font-size:16.5px; line-height:1.65;}
img{max-width:100%; display:block}
h1,h2,h3{font-family:var(--serif); font-weight:500; line-height:1.12; margin:0; text-wrap:balance; letter-spacing:-.01em}
a{color:inherit}
.wrap{max-width:1180px; margin-inline:auto; padding-left:max(16px, env(safe-area-inset-left,0px)); padding-right:max(16px, env(safe-area-inset-right,0px));}
.eyebrow{font-size:11.5px; letter-spacing:.22em; text-transform:uppercase; color:var(--gold); font-weight:500; display:flex; align-items:center; gap:14px; margin:0 0 18px}
.eyebrow::before{content:""; width:34px; height:1px; background:var(--gold); flex:none}
.btn{display:inline-flex; align-items:center; gap:10px; font-family:var(--sans); font-weight:500; font-size:14.5px; letter-spacing:.02em; padding:15px 28px; border-radius:2px; text-decoration:none; border:1px solid transparent; cursor:pointer; transition:transform .35s cubic-bezier(.2,.8,.2,1), box-shadow .35s, background .25s, color .25s; will-change:transform}
.btn-gold{background:var(--gold); color:#fff}
.btn-gold:hover{background:var(--gold-bright); transform:translateY(-2px); box-shadow:0 12px 30px -10px rgba(168,132,44,.55)}
.btn-ghost{border-color:var(--line); color:var(--ink); background:transparent}
.btn-ghost:hover{border-color:var(--gold); color:var(--gold); transform:translateY(-2px)}
.btn-ghost-light{border-color:rgba(243,239,230,.4); color:var(--on-navy); background:transparent}
.btn-ghost-light:hover{border-color:var(--gold-bright); color:var(--gold-bright); transform:translateY(-2px)}
.arrow{transition:transform .3s}
.btn:hover .arrow, .svc:hover .arrow, .door:hover .arrow{transform:translateX(5px)}

/* ---------- top bar + nav ---------- */
.topbar{background:var(--navy); color:var(--on-navy-muted); font-size:12.5px}
.topbar .wrap{display:flex; justify-content:space-between; gap:16px; padding-block:9px; flex-wrap:wrap}
.topbar span b{color:var(--on-navy); font-weight:500}
nav.main{position:sticky; top:env(safe-area-inset-top,0px); z-index:50; background:color-mix(in srgb, var(--bg) 88%, transparent); backdrop-filter:blur(14px); -webkit-backdrop-filter:blur(14px); border-bottom:1px solid transparent; transition:border-color .3s, box-shadow .3s}
body::before{content:""; position:fixed; inset:0 0 auto; height:env(safe-area-inset-top,0px); z-index:60; background:var(--bg)}
nav.main.scrolled{border-color:var(--line); box-shadow:0 10px 30px -18px rgba(14,31,51,.25)}
nav.main .wrap{display:flex; align-items:center; justify-content:space-between; gap:20px; padding-block:16px}
.logo{display:flex; align-items:center; gap:12px; text-decoration:none}
.logo{gap:12px}
.logo .mark-img{width:auto; height:41px; object-fit:contain}
:root[data-theme="dark"] .logo .mark-img{filter:brightness(0) invert(.93) sepia(.08)}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]) .logo .mark-img{filter:brightness(0) invert(.93) sepia(.08)} }
.logo .word{font-family:var(--serif); font-size:16px; letter-spacing:.13em; font-weight:500; line-height:1.1}
.logo .word small{display:block; font-family:var(--sans); font-size:7.5px; letter-spacing:.27em; color:var(--muted); font-weight:500; margin-top:3px}
.burger{display:none; flex-direction:column; gap:5px; background:none; border:none; cursor:pointer; padding:8px}
.burger span{display:block; width:24px; height:2px; background:var(--ink); transition:transform .3s, opacity .3s}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media (max-width:1020px){ .navlinks{display:none} .burger{display:flex} .nav-cta{display:none} }
.mobmenu{position:fixed; inset:0; z-index:49; background:var(--navy); overflow:auto}
.mobmenu-inner{padding:110px max(24px, env(safe-area-inset-left,0px)) 40px; display:flex; flex-direction:column; gap:4px}
.mobmenu-inner > a:not(.btn){font-family:var(--serif); font-size:clamp(26px,6vw,34px); color:var(--on-navy); text-decoration:none; padding:12px 0; border-bottom:1px solid rgba(243,239,230,.1); opacity:0; transform:translateY(14px)}
.mobmenu.show > .mobmenu-inner > a:not(.btn){animation:rise .5s cubic-bezier(.2,.8,.2,1) forwards; animation-delay:calc(var(--i) * 60ms)}
.mobmenu-inner > a:not(.btn):hover{color:var(--gold-bright)}
.mobmenu-foot{color:var(--on-navy-muted); font-size:13px; margin-top:18px}
nav.main.menuopen{background:var(--navy)}
nav.main.menuopen .logo .mark-img{filter:brightness(0) invert(.93) sepia(.08)}
nav.main.menuopen .logo .word{color:var(--on-navy)}
nav.main.menuopen .logo .word small{color:var(--on-navy-muted)}
nav.main.menuopen .burger span{background:var(--on-navy)}
.navlinks{display:flex; gap:30px; font-size:14px; font-weight:400}
.navlinks a{text-decoration:none; position:relative; padding-block:4px; color:var(--ink)}
.navlinks a::after{content:""; position:absolute; left:0; bottom:0; width:0; height:1px; background:var(--gold); transition:width .3s}
.navlinks a:hover::after{width:100%}
.nav-cta{flex:none}
@media (max-width:860px){ .navlinks{display:none} .topbar .hours{display:none} }

/* ---------- hero ---------- */
.hero{position:relative; overflow:hidden}
.hero-img{position:absolute; inset:-8% -2% -8% 38%; background:url("hero.webp") center/cover no-repeat; filter:saturate(.72) contrast(1.02); transform:scale(1.06); z-index:0}
.hero-img::after{content:""; position:absolute; inset:0; background:linear-gradient(90deg, var(--bg) 0%, color-mix(in srgb, var(--bg) 55%, transparent) 38%, color-mix(in srgb, var(--bg) 8%, transparent) 70%), linear-gradient(0deg, color-mix(in srgb, var(--navy) 26%, transparent), color-mix(in srgb, var(--navy) 8%, transparent))}
@media (prefers-reduced-motion:no-preference){ .hero-img{animation:drift 26s ease-in-out infinite alternate} }
@keyframes drift{from{transform:scale(1.06) translateY(0)} to{transform:scale(1.12) translateY(-1.6%)}}
.hero .wrap{position:relative; z-index:1; padding-block:96px 84px}
.hero h1{font-size:clamp(42px, 6.2vw, 78px); max-width:11ch}
.hero h1 em{font-style:italic; color:var(--gold)}
.hero h1 .w{display:inline-block}
html.js .hero h1 .w{opacity:0; transform:translateY(26px); animation:rise .9s cubic-bezier(.2,.8,.2,1) forwards; animation-delay:calc(var(--i) * 90ms)}
@keyframes rise{to{opacity:1; transform:none}}
@media (prefers-reduced-motion:reduce){ html.js .hero h1 .w{animation:none; opacity:1; transform:none} .hero-img{animation:none} }
.hero p.lede{max-width:56ch; font-size:17.5px; color:var(--muted); margin:26px 0 34px}
.hero-ctas{display:flex; gap:14px; flex-wrap:wrap}
.hero-trust{display:flex; gap:26px; flex-wrap:wrap; margin-top:54px; padding-top:22px; border-top:1px solid var(--line); font-size:12.5px; letter-spacing:.08em; text-transform:uppercase; color:var(--muted)}
.hero-trust b{color:var(--gold); font-weight:500; margin-right:6px}

/* ---------- stats band ---------- */
.stats{background:var(--navy); color:var(--on-navy)}
.stats .wrap{display:grid; grid-template-columns:repeat(3,1fr); gap:28px; padding-block:52px; text-align:center}
.stat .n{font-family:var(--serif); font-size:clamp(34px,4vw,50px); color:var(--gold-bright); font-variant-numeric:tabular-nums; line-height:1}
.stat .l{font-size:11.5px; letter-spacing:.18em; text-transform:uppercase; color:var(--on-navy-muted); margin-top:10px}
@media (max-width:760px){ .stats .wrap{grid-template-columns:1fr; gap:34px} }

/* ---------- sections ---------- */
section .wrap{padding-block:96px}
.sec-head{max-width:720px; margin-bottom:56px}
.sec-head h2{font-size:clamp(30px,3.6vw,46px)}
.sec-head p{color:var(--muted); margin:18px 0 0; max-width:60ch}

/* doors */
.doors{display:grid; grid-template-columns:1fr 1fr; gap:26px}
.door{position:relative; border-radius:3px; overflow:hidden; min-height:460px; display:flex; align-items:flex-end; text-decoration:none; box-shadow:var(--shadow)}
.door .ph{position:absolute; inset:0; background-size:cover; background-position:center; transition:transform 1.1s cubic-bezier(.2,.8,.2,1); filter:saturate(.75)}
.door:hover .ph{transform:scale(1.05)}
.door.business .ph{background-image:url("business.webp")}
.door.personal .ph{background-image:url("personal.webp")}
.door::after{content:""; position:absolute; inset:0; background:linear-gradient(8deg, rgba(14,31,51,.92) 18%, rgba(14,31,51,.38) 55%, rgba(14,31,51,.12))}
.door-body{position:relative; z-index:1; padding:38px; color:var(--on-navy); width:100%}
.door-body .tag{font-size:11px; letter-spacing:.24em; text-transform:uppercase; color:var(--gold-bright); font-weight:500}
.door-body h3{font-size:clamp(26px,2.6vw,34px); margin:12px 0 10px}
.door-body p{color:var(--on-navy-muted); font-size:15px; max-width:46ch; margin:0 0 18px}
.door-body ul{list-style:none; display:flex; flex-wrap:wrap; gap:8px; padding:0; margin:0 0 22px}
.door-body li{font-size:12.5px; border:1px solid rgba(243,239,230,.28); padding:6px 12px; border-radius:999px; color:var(--on-navy)}
.door-go{font-size:14px; font-weight:500; color:var(--gold-bright); display:inline-flex; gap:8px; align-items:center}
@media (max-width:860px){ .doors{grid-template-columns:1fr} .door{min-height:380px} }

/* services list */
.svc-band{background:var(--band)}
.svclist{border-top:1px solid var(--line)}
.svc{display:grid; grid-template-columns:70px 1fr 1.2fr auto; gap:22px; align-items:center; padding:26px 6px; border-bottom:1px solid var(--line); text-decoration:none; transition:background .3s, padding-left .3s}
.svc:hover{background:color-mix(in srgb, var(--gold) 7%, transparent); padding-left:16px}
.svc .num{font-family:var(--serif); color:var(--gold); font-size:15px}
.svc .t{font-family:var(--serif); font-size:clamp(19px,2vw,24px)}
.svc .d{color:var(--muted); font-size:14.5px}
.svc .arrow{color:var(--gold); font-size:18px}
.svc-more{margin-top:30px}
@media (max-width:760px){ .svc{grid-template-columns:40px 1fr auto} .svc .d{display:none} }

/* checker */
.checker{background:var(--navy); color:var(--on-navy); border-radius:4px; overflow:hidden; box-shadow:var(--shadow); display:grid; grid-template-columns:1.05fr 1fr}
.checker-intro{padding:54px 48px; background:linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); display:flex; flex-direction:column; justify-content:center}
.checker-intro h2{font-size:clamp(28px,3vw,40px); color:var(--on-navy)}
.checker-intro p{color:var(--on-navy-muted); max-width:46ch}
.checker-intro .note{font-size:12px; color:var(--on-navy-muted); opacity:.8; margin-top:auto; padding-top:28px}
.checker-ui{padding:54px 48px; background:color-mix(in srgb, var(--navy-2) 55%, var(--navy)); min-height:380px; display:flex; flex-direction:column}
.dots{display:flex; gap:8px; margin-bottom:26px}
.dots i{width:26px; height:3px; background:rgba(243,239,230,.2); border-radius:2px; transition:background .3s}
.dots i.on{background:var(--gold-bright)}
.q{font-family:var(--serif); font-size:22px; margin-bottom:22px; color:var(--on-navy)}
.opts{display:grid; gap:10px}
.opt{text-align:left; font-family:var(--sans); font-size:15px; font-weight:400; color:var(--on-navy); background:rgba(243,239,230,.06); border:1px solid rgba(243,239,230,.18); padding:15px 18px; border-radius:3px; cursor:pointer; transition:border-color .25s, background .25s, transform .25s}
.opt:hover{border-color:var(--gold-bright); background:rgba(201,162,75,.12); transform:translateX(4px)}
.result .route{font-family:var(--serif); font-size:clamp(24px,2.4vw,32px); color:var(--gold-bright); margin:6px 0 14px}
.result p{color:var(--on-navy-muted); font-size:15px}
.back{background:none; border:none; color:var(--on-navy-muted); font-size:13px; cursor:pointer; padding:0; margin-top:auto; align-self:flex-start; font-family:var(--sans)}
.back:hover{color:var(--gold-bright)}
.step{display:none}
.step.on{display:flex; flex-direction:column; flex:1; animation:fadein .45s ease}
@keyframes fadein{from{opacity:0; transform:translateY(10px)} to{opacity:1; transform:none}}
@media (max-width:860px){ .checker{grid-template-columns:1fr} .checker-intro,.checker-ui{padding:36px 26px} }

/* why / editorial */
.why{display:grid; grid-template-columns:1fr 1.1fr; gap:64px; align-items:center}
.why-img{position:relative}
.why-img img{border-radius:3px; box-shadow:var(--shadow); filter:saturate(.8)}
.why-img::before{content:""; position:absolute; inset:24px -24px -24px 24px; border:1px solid var(--gold); border-radius:3px; z-index:-1}
.why-points{display:grid; gap:0; margin-top:36px; border-top:1px solid var(--line)}
.wp{display:grid; grid-template-columns:auto 1fr; gap:18px; padding:20px 0; border-bottom:1px solid var(--line)}
.wp .ic{width:34px; height:34px; border:1px solid var(--gold); border-radius:50%; display:grid; place-items:center; color:var(--gold); font-size:13px; font-family:var(--serif)}
.wp b{font-weight:500; display:block; font-size:16px}
.wp span{color:var(--muted); font-size:14.5px}
@media (max-width:920px){ .why{grid-template-columns:1fr; gap:44px} .why-img::before{inset:16px -14px -14px 14px} }

/* quote */
.quoteband{background:var(--band)}
.quoteband .wrap{padding-block:84px; text-align:center}
.rev-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:22px; text-align:left}
.rev-grid.fading .rev{animation:fadein .5s ease}
.rev{background:var(--surface); border:1px solid var(--line); border-radius:3px; padding:28px; display:none; flex-direction:column; min-height:190px}
.rev.on{display:flex}
.rev p{font-family:var(--serif); font-style:italic; font-size:17.5px; line-height:1.5; margin:0}
.rev cite{font-style:normal; font-size:11.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--gold); margin-top:auto; padding-top:18px}
@media (max-width:860px){ .rev-grid{grid-template-columns:1fr} .rev{min-height:0} }
.stars{color:var(--gold); letter-spacing:4px; font-size:14px; margin-bottom:10px}
.tp-score{font-size:13px; letter-spacing:.08em; color:var(--muted); margin:0 0 26px}
.tp-score b{color:var(--ink); font-weight:500}
.q-nav{display:flex; align-items:center; justify-content:center; gap:20px; margin-top:34px}
.q-btn{width:42px; height:42px; border-radius:50%; border:1px solid var(--line); background:transparent; color:var(--ink); font-size:16px; cursor:pointer; transition:border-color .25s, color .25s, transform .25s}
.q-btn:hover{border-color:var(--gold); color:var(--gold); transform:translateY(-2px)}
.q-dots{display:flex; gap:8px}
.q-dots button{width:8px; height:8px; border-radius:50%; border:none; padding:0; background:var(--line); cursor:pointer; transition:background .3s, transform .3s}
.q-dots button.on{background:var(--gold); transform:scale(1.25)}
.socials{display:flex; gap:10px}
.socials a{width:36px; height:36px; border:1px solid var(--line); border-radius:50%; display:grid; place-items:center; font-size:11.5px; font-weight:500; text-decoration:none; color:var(--muted); transition:border-color .25s, color .25s, transform .25s}
.socials a:hover{border-color:var(--gold); color:var(--gold); transform:translateY(-2px)}

/* commitment */
.commit{display:grid; grid-template-columns:repeat(4,1fr); gap:0}
.cm{padding:30px 26px 0 0; border-top:1px solid var(--line); position:relative}
.cm::before{content:""; position:absolute; top:-1px; left:0; width:0; height:1px; background:var(--gold); transition:width 1s cubic-bezier(.2,.8,.2,1) .2s}
.cm.in::before{width:70%}
.cm .n{font-family:var(--serif); color:var(--gold); font-size:15px; letter-spacing:.1em}
.cm b{font-weight:500; display:block; margin:14px 0 8px; font-size:16.5px}
.cm p{color:var(--muted); font-size:14px; margin:0}
@media (max-width:860px){ .commit{grid-template-columns:1fr 1fr; gap:26px} }
@media (max-width:540px){ .commit{grid-template-columns:1fr} }

/* insights */
.posts{display:grid; grid-template-columns:repeat(3,1fr); gap:26px}
.post{background:var(--surface); border:1px solid var(--line); border-radius:3px; padding:30px; text-decoration:none; display:flex; flex-direction:column; gap:14px; transition:transform .4s cubic-bezier(.2,.8,.2,1), box-shadow .4s}
.post:hover{transform:translateY(-6px); box-shadow:var(--shadow)}
.post .cat{font-size:10.5px; letter-spacing:.22em; text-transform:uppercase; color:var(--gold); font-weight:500}
.post h3{font-size:19px; line-height:1.3}
.post time{color:var(--muted); font-size:13px; margin-top:auto}
@media (max-width:860px){ .posts{grid-template-columns:1fr} }

/* awards strip */
.awards .wrap{padding-block:72px}
.award-row{display:grid; grid-template-columns:repeat(4,1fr); gap:26px; border-top:1px solid var(--line); border-bottom:1px solid var(--line); padding-block:36px}
.aw{text-align:center; padding-inline:10px}
.aw .y{font-family:var(--serif); color:var(--gold); font-size:14px}
.aw b{display:block; font-weight:500; font-size:14.5px; margin-top:8px; line-height:1.4}
.aw span{display:block; color:var(--muted); font-size:12px; margin-top:4px}
@media (max-width:860px){ .award-row{grid-template-columns:1fr 1fr} }

/* CTA */
.cta{position:relative; overflow:hidden; background:var(--navy)}
.cta .ph{position:absolute; inset:0; background:url("signing.webp") center/cover; opacity:.22; filter:saturate(.6)}
.cta::after{content:""; position:absolute; inset:0; background:linear-gradient(90deg, rgba(14,31,51,.5), rgba(14,31,51,.92))}
.cta .wrap{position:relative; z-index:1; padding-block:104px; text-align:center; color:var(--on-navy)}
.cta h2{font-size:clamp(32px,4vw,52px); color:var(--on-navy); max-width:20ch; margin-inline:auto}
.cta p{color:var(--on-navy-muted); max-width:52ch; margin:20px auto 36px}
.cta small{display:block; margin-top:26px; color:var(--on-navy-muted); font-size:12.5px; letter-spacing:.06em}

/* footer */
footer{background:var(--navy); color:var(--on-navy-muted); border-top:1px solid rgba(243,239,230,.1)}
footer .wrap{display:grid; grid-template-columns:1.4fr 1fr 1fr 1.2fr; gap:40px; padding-block:70px; font-size:14px}
footer h4{font-size:11px; letter-spacing:.24em; text-transform:uppercase; color:var(--gold-bright); font-weight:500; margin:0 0 18px}
footer a{display:block; text-decoration:none; padding-block:4px}
footer a:hover{color:var(--on-navy)}
footer .legal{border-top:1px solid rgba(243,239,230,.1)}
footer .legal .wrap{display:flex; justify-content:space-between; gap:16px; padding-block:22px; font-size:12px; flex-wrap:wrap}
@media (max-width:860px){ footer .wrap{grid-template-columns:1fr 1fr} }

/* reveal */
html.js .reveal{opacity:0; transform:translateY(22px); transition:opacity .9s ease, transform .9s cubic-bezier(.2,.8,.2,1)}
html.js .reveal.in{opacity:1; transform:none}
html.js .reveal[data-d="1"]{transition-delay:.12s} html.js .reveal[data-d="2"]{transition-delay:.24s} html.js .reveal[data-d="3"]{transition-delay:.36s}
@media (prefers-reduced-motion:reduce){ html.js .reveal{opacity:1; transform:none; transition:none} }

.concept-pill{position:fixed; left:max(16px, env(safe-area-inset-left,0px)); bottom:calc(16px + env(safe-area-inset-bottom,0px)); z-index:80; background:var(--navy); color:var(--on-navy); font-size:11px; letter-spacing:.12em; text-transform:uppercase; padding:8px 14px; border-radius:999px; border:1px solid rgba(201,162,75,.5); opacity:.92}
button:focus-visible, a:focus-visible{outline:2px solid var(--gold); outline-offset:3px}


/* inner page additions */
.navlinks a.active{color:var(--gold)} .navlinks a.active::after{width:100%}
.page-hero{background:linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 100%); color:var(--on-navy); position:relative; overflow:hidden}
.page-hero::after{content:""; position:absolute; inset:0; background:radial-gradient(900px 400px at 85% 120%, rgba(201,162,75,.14), transparent 60%)}
.page-hero .wrap{position:relative; z-index:1; padding-block:78px 64px}
.crumbs{font-size:12px; letter-spacing:.1em; text-transform:uppercase; color:var(--on-navy-muted); margin-bottom:22px}
.crumbs a{color:inherit; text-decoration:none} .crumbs a:hover{color:var(--gold-bright)}
.page-hero h1{font-size:clamp(36px,5vw,62px); color:var(--on-navy); max-width:16ch}
.page-hero p.lede{color:var(--on-navy-muted); max-width:58ch; font-size:17px; margin:20px 0 30px}
.layout{display:grid; grid-template-columns:1fr 340px; gap:56px; align-items:start}
.layout .main > * + *{margin-top:52px}
.aside{position:sticky; top:96px; display:grid; gap:20px}
.card{background:var(--surface); border:1px solid var(--line); border-radius:3px; padding:26px}
.card.navy{background:var(--navy); border-color:transparent; color:var(--on-navy)}
.card.navy .muted{color:var(--on-navy-muted)}
.card h3{font-size:19px; margin-bottom:12px}
.muted{color:var(--muted); font-size:14.5px}
.fee{font-family:var(--serif); font-size:30px; color:var(--gold)}
.list-ticks{list-style:none; padding:0; margin:0; display:grid; gap:12px}
.list-ticks li{display:flex; gap:12px; font-size:15px}
.list-ticks li::before{content:"✓"; color:var(--gold); font-weight:600; flex:none}
.rel{display:grid; gap:2px}
.rel a{display:flex; justify-content:space-between; gap:10px; padding:12px 2px; border-bottom:1px solid var(--line); text-decoration:none; font-size:14.5px; transition:padding-left .25s, color .25s}
.rel a:hover{color:var(--gold); padding-left:8px}
.two-col{display:grid; grid-template-columns:1fr 1fr; gap:22px}
.ratings{display:grid; grid-template-columns:repeat(3,1fr); gap:18px}
.rate{border:1px solid var(--line); border-radius:3px; padding:22px; text-align:center}
.rate b{font-family:var(--serif); font-size:22px; display:block; margin-bottom:8px}
.rate.a b{color:#2E7D4F}.rate.b b{color:var(--gold)}.rate.s b{color:#B3482B}
.rate span{font-size:13px; color:var(--muted)}
.steps{counter-reset:st; display:grid; gap:0; border-top:1px solid var(--line)}
.stp{display:grid; grid-template-columns:64px 1fr; gap:18px; padding:22px 0; border-bottom:1px solid var(--line)}
.stp::before{counter-increment:st; content:"0" counter(st); font-family:var(--serif); color:var(--gold); font-size:20px}
.stp b{font-weight:500; display:block; margin-bottom:4px}
.stp p{margin:0; color:var(--muted); font-size:14.5px}
.acc{border-top:1px solid var(--line)}
.acc details{border-bottom:1px solid var(--line)}
.acc summary{cursor:pointer; list-style:none; display:flex; justify-content:space-between; gap:16px; padding:20px 2px; font-family:var(--serif); font-size:18px}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+"; color:var(--gold); font-size:22px; transition:transform .3s}
.acc details[open] summary::after{transform:rotate(45deg)}
.acc .a-body{padding:0 2px 22px; color:var(--muted); font-size:15px; max-width:65ch}
h2.inner{font-size:clamp(24px,3vw,34px)}
.callout{border-left:3px solid var(--gold); background:color-mix(in srgb, var(--gold) 7%, var(--surface)); padding:24px 26px; border-radius:0 3px 3px 0; font-size:16px; max-width:70ch}
@media (max-width:980px){ .layout{grid-template-columns:1fr} .aside{position:static} .two-col{grid-template-columns:1fr} .ratings{grid-template-columns:1fr} }
/* hub */
.ticker{background:var(--gold); color:#fff; overflow:hidden; white-space:nowrap}
.ticker .in{display:inline-block; padding-block:9px; font-size:12.5px; letter-spacing:.08em; text-transform:uppercase; font-weight:500; animation:tick 28s linear infinite}
@keyframes tick{from{transform:translateX(0)} to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){ .ticker .in{animation:none} }
.feat{display:grid; grid-template-columns:1.2fr 1fr; gap:0; background:var(--navy); color:var(--on-navy); border-radius:3px; overflow:hidden; box-shadow:var(--shadow)}
.feat .txt{padding:46px}
.feat .txt h2{color:var(--on-navy); font-size:clamp(24px,3vw,36px)}
.feat .txt p{color:var(--on-navy-muted)}
.feat .vis{background:linear-gradient(135deg, var(--navy-2), var(--navy)); display:grid; place-items:center; padding:40px}
.feat .vis .big{font-family:var(--serif); font-size:clamp(50px,7vw,90px); color:var(--gold-bright); line-height:1}
.chips{display:flex; gap:10px; flex-wrap:wrap; margin:40px 0 28px}
.chip{border:1px solid var(--line); background:transparent; color:var(--ink); font-size:13px; padding:9px 18px; border-radius:999px; cursor:pointer; font-family:var(--sans); transition:all .25s}
.chip.on, .chip:hover{background:var(--navy); color:var(--on-navy); border-color:var(--navy)}
.post.ghost{border-style:dashed; opacity:.65}
.news-note{font-size:12px; color:var(--muted); margin-top:26px}
/* contact */
.form{display:grid; gap:18px}
.frow{display:grid; grid-template-columns:1fr 1fr; gap:18px}
.fld{display:grid; gap:7px}
.fld label{font-size:12px; letter-spacing:.14em; text-transform:uppercase; color:var(--muted); font-weight:500}
.fld input, .fld select, .fld textarea{font-family:var(--sans); font-size:15px; padding:13px 14px; border:1px solid var(--line); border-radius:3px; background:var(--surface); color:var(--ink); width:100%}
.fld input:focus, .fld select:focus, .fld textarea:focus{outline:2px solid var(--gold); outline-offset:1px; border-color:var(--gold)}
.consent{display:flex; gap:10px; font-size:13px; color:var(--muted); align-items:flex-start}
.consent input{margin-top:3px}
.form-ok{background:color-mix(in srgb, #2E7D4F 12%, var(--surface)); border:1px solid #2E7D4F; color:var(--ink); padding:18px 20px; border-radius:3px; font-size:15px}
.cdetails{display:grid; gap:0; border-top:1px solid var(--line)}
.cd{display:grid; grid-template-columns:150px 1fr; gap:16px; padding:18px 2px; border-bottom:1px solid var(--line); font-size:15px}
.cd b{font-weight:500; color:var(--muted); font-size:12px; letter-spacing:.14em; text-transform:uppercase; padding-top:3px}
.mapbox{background:linear-gradient(135deg, var(--band), var(--bg)); border:1px solid var(--line); border-radius:3px; min-height:240px; display:grid; place-items:center; text-align:center; padding:30px}
.mapbox .pin{font-family:var(--serif); font-size:20px}
@media (max-width:760px){ .frow{grid-template-columns:1fr} .feat{grid-template-columns:1fr} .cd{grid-template-columns:1fr; gap:4px} }
/* fees */
.feetable{border-top:1px solid var(--line); margin-top:20px; margin-bottom:10px}
.fr{display:flex; justify-content:space-between; gap:24px; padding:15px 2px; border-bottom:1px solid var(--line); font-size:15px}
.fr b{font-weight:500; color:var(--gold); white-space:nowrap; font-variant-numeric:tabular-nums}
@media (max-width:640px){ .fr{flex-direction:column; gap:4px} .fr b{white-space:normal} }

/* credentials strip */
.creds{border-top:1px solid rgba(243,239,230,.1)}
.creds-in{max-width:1180px; margin-inline:auto; padding-left:max(16px, env(safe-area-inset-left,0px)); padding-right:max(16px, env(safe-area-inset-right,0px)); padding-block:26px; display:grid; grid-template-columns:repeat(3,1fr); gap:22px}
.cred{display:flex; gap:14px; align-items:center; text-decoration:none}
.cred-chip{flex:0 0 auto; width:88px; height:68px; background:#fff; border-radius:4px; display:flex; align-items:center; justify-content:center; padding:5px; overflow:hidden}
.cred-chip img,.cred-chip svg{max-width:100%; max-height:100%; display:block; object-fit:contain}
.cred-t b{display:block; font-size:12.5px; font-weight:500; color:var(--on-navy); letter-spacing:.02em; line-height:1.45}
.cred-t em{display:block; font-style:normal; font-size:11.5px; color:var(--on-navy-muted); margin-top:3px}
.cred:hover .cred-t b{color:var(--gold-bright)}
@media (max-width:980px){ .creds-in{grid-template-columns:1fr; gap:18px} }