:root{--navy:#1A2B4A;--teal:#0E8C8C;--coral:#E5634D;--gold:#C9A24B;--lightgold:#FBF4DF;--grey:#5A6472;--line:#E2E8EE;--bg:#F4F6F9;--ink:#16202E}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:17px}
.container{max-width:1120px;margin:0 auto;padding:0 22px}
.narrow{max-width:760px}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
h1{font-size:clamp(30px,5vw,52px);line-height:1.1;color:var(--navy);letter-spacing:-.5px}
h2{font-size:clamp(22px,3vw,30px);color:var(--navy);margin:0 0 12px;letter-spacing:-.3px}
h3{font-size:19px;color:var(--navy);margin-bottom:6px}
h4{font-size:13px;text-transform:uppercase;letter-spacing:.5px;color:#9fb0c0;margin-bottom:10px}
p{margin-bottom:14px}
.lead{font-size:20px;color:#3a4757}
.sub{color:var(--grey)}
.center{text-align:center}
.muted{color:var(--grey)}
.eyebrow{display:inline-block;font-size:13px;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--coral);margin-bottom:10px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:100}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(160%) blur(8px);border-bottom:1px solid var(--line)}
.hrow{display:flex;align-items:center;justify-content:space-between;height:64px;gap:14px}
.brand{font-weight:800;font-size:22px;color:var(--navy)}
.brand span{color:var(--coral)}
.brand.light{color:#fff}.brand.light span{color:var(--gold)}
.nav{display:flex;gap:20px}
.nav a{color:var(--ink);font-weight:600;font-size:15px}
.nav a.active{color:var(--teal)}
.hcta{display:flex;align-items:center;gap:10px}
.navtoggle{display:none;font-size:22px;background:none;border:none;cursor:pointer;color:var(--navy)}
/* buttons */
.btn{display:inline-block;font-weight:700;padding:11px 20px;border-radius:12px;border:2px solid transparent;cursor:pointer;font-size:15px;transition:transform .05s}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn.lg{padding:14px 26px;font-size:16px}
.btn-gold{background:var(--gold);color:#3a2e07}
.btn-teal{background:var(--teal);color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
/* hero */
.hero{background:linear-gradient(160deg,#fff 0%,#F4F6F9 100%);padding:64px 0 56px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.hero-btns{display:flex;gap:12px;margin:22px 0 16px;flex-wrap:wrap}
.trust-row{font-size:14px;color:var(--grey)}
.hero-card{background:linear-gradient(150deg,var(--navy),#244067);color:#fff;border-radius:20px;padding:30px;text-align:center;box-shadow:0 18px 50px rgba(26,43,74,.25)}
.seal{width:130px;height:130px;border-radius:50%;border:4px double var(--gold);color:var(--gold);font-weight:800;font-size:15px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;letter-spacing:1px}
.pledge{font-style:italic;color:#dbe6f2}
/* sections */
.section{padding:56px 0}
.section.alt{background:var(--bg)}
.page-hero{background:linear-gradient(160deg,#fff,#eef3f6);padding:56px 0 34px;border-bottom:1px solid var(--line)}
.cards2,.cards3,.cards4{display:grid;gap:20px;margin-top:26px}
.cards2{grid-template-columns:repeat(2,1fr)}
.cards3{grid-template-columns:repeat(3,1fr)}
.cards4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 4px 16px rgba(26,43,74,.04)}
.card .ic{font-size:30px;margin-bottom:8px}
.step{text-align:center;padding:10px}
.step .num{display:inline-flex;width:42px;height:42px;border-radius:50%;background:var(--lightgold);color:var(--gold);font-weight:800;align-items:center;justify-content:center;font-size:18px;margin-bottom:10px;border:2px solid var(--gold)}
.steps .center{margin-top:26px}
.cta-band{background:linear-gradient(150deg,var(--navy),#244067);color:#fff;border-radius:22px;padding:46px;text-align:center}
.cta-band h2{color:#fff}.cta-band p{color:#cdd9e8;margin-bottom:20px}
.howstep{border-left:4px solid var(--gold);padding:6px 0 6px 20px;margin-bottom:26px}
.callout{background:var(--lightgold);border:1px solid #ecd9a3;border-radius:16px;padding:24px;margin:28px 0}
.story{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;text-align:center}
.story-photo{width:64px;height:64px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--navy));color:#fff;font-weight:800;font-size:24px;display:flex;align-items:center;justify-content:center;margin:0 auto 10px}
.postcard{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;color:var(--ink)}
.postcard:hover{text-decoration:none;box-shadow:0 8px 24px rgba(26,43,74,.08)}
.tag{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.5px;text-transform:uppercase;color:var(--teal);background:#e6f4f4;padding:3px 10px;border-radius:20px;margin-bottom:10px}
.link{color:var(--teal);font-weight:700}
.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:4px 18px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:14px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--teal);font-weight:800}
.faq[open] summary::after{content:"–"}
.faq p{padding-bottom:14px;color:#3a4757}
.article p{font-size:18px}
.article hr{border:none;border-top:1px solid var(--line);margin:26px 0}
.legaldoc h2{margin-top:26px;font-size:21px}
.legaldoc p{color:#3a4757}
.ul{margin:0 0 14px 20px}.ul li{margin-bottom:6px}
.cform input,.cform textarea{width:100%;border:1.5px solid var(--line);border-radius:10px;padding:11px 13px;font-size:15px;margin-bottom:12px;font-family:inherit}
.frow2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{display:block;font-size:14px;color:var(--grey);margin-bottom:12px}
/* footer */
.site-footer{background:var(--navy);color:#c7d4e3;padding:48px 0 24px;margin-top:20px}
.frow{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px}
.fbrand p{font-size:14px;color:#9fb0c0;margin-top:10px}
.fcontact a{color:#c7d4e3}
.fcol a{display:block;color:#c7d4e3;font-size:14px;margin-bottom:8px}
.fcol a:hover{color:#fff}
.fbar{display:flex;justify-content:space-between;border-top:1px solid #2c425f;margin-top:30px;padding-top:18px;font-size:13px;color:#9fb0c0;flex-wrap:wrap;gap:8px}
.fbar a{color:#9fb0c0}
/* cookie */
.cookie{position:fixed;bottom:16px;left:16px;right:16px;max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:0 12px 40px rgba(26,43,74,.18);z-index:80}
.cookie p{font-size:14px;margin-bottom:12px}
.cookie-btns{display:flex;gap:10px;justify-content:flex-end}
/* responsive */
@media(max-width:860px){
 .hero-grid,.frow{grid-template-columns:1fr}
 .cards3,.cards4{grid-template-columns:1fr 1fr}
 .nav{position:fixed;inset:64px 0 auto 0;background:#fff;flex-direction:column;padding:16px 22px;border-bottom:1px solid var(--line);display:none}
 .nav.open{display:flex}
 .navtoggle{display:block}
 .frow2{grid-template-columns:1fr}
}
@media(max-width:560px){.cards3,.cards4,.cards2{grid-template-columns:1fr}.hero{padding:40px 0}}