:root{--ink:#17212b;--muted:#5c6875;--paper:#fffdf9;--panel:#f4f0e8;--accent:#7a4a20;--accent2:#224f62;--line:#ded7cb;--white:#fff;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}a{color:var(--accent2);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--accent)}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.topbar{background:var(--ink);color:#fff;font-size:.92rem}.topbar .wrap{display:flex;gap:18px;justify-content:space-between;padding:8px 0;flex-wrap:wrap}.topbar a{color:#fff}.site-header{background:rgba(255,253,249,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10;backdrop-filter:blur(10px)}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}.brand{font-family:Georgia,serif;font-weight:700;font-size:1.22rem;color:var(--ink);text-decoration:none}.brand span{display:block;font-family:Inter,ui-sans-serif,system-ui;font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}.nav-links{display:flex;gap:16px;align-items:center;flex-wrap:wrap}.nav-links a{text-decoration:none;font-weight:650;font-size:.94rem}.button{display:inline-block;background:var(--accent2);color:#fff!important;text-decoration:none!important;padding:12px 18px;border-radius:8px;font-weight:750}.button.alt{background:var(--accent)}.hero{padding:72px 0 50px;background:linear-gradient(120deg,#fffdf9 0%,#f2eee6 60%,#ece6db 100%)}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.78rem;font-weight:800;color:var(--accent)}h1,h2,h3{font-family:Georgia,serif;line-height:1.18;color:#17212b}h1{font-size:clamp(2.3rem,5vw,4.4rem);max-width:930px;margin:.2em 0}h2{font-size:clamp(1.65rem,3vw,2.5rem);margin-top:0}h3{font-size:1.35rem}.lede{font-size:1.2rem;max-width:790px;color:#394653}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.trustline{margin-top:24px;color:var(--muted);font-size:.94rem}.section{padding:56px 0}.section.alt{background:var(--panel)}.grid{display:grid;gap:22px}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 7px 22px rgba(23,33,43,.05)}.card h3{margin-top:0}.answer{border-left:5px solid var(--accent);padding:22px 24px;background:#fff;border-radius:0 10px 10px 0}.answer strong{display:block;margin-bottom:6px}.checklist{padding-left:1.2rem}.checklist li{margin:.5rem 0}.breadcrumb{font-size:.9rem;color:var(--muted);padding:18px 0}.content{max-width:840px}.content h2{margin-top:2.1rem}.content h3{margin-top:1.7rem}.notice{background:#fff5dc;border:1px solid #e9d3a0;border-radius:10px;padding:18px}.faq details{border-top:1px solid var(--line);padding:18px 0}.faq summary{font-weight:750;cursor:pointer}.faq details:last-child{border-bottom:1px solid var(--line)}.cta{background:var(--ink);color:#fff;border-radius:14px;padding:34px}.cta h2,.cta h3{color:#fff}.cta a{color:#fff}.footer{background:#111a22;color:#d9e0e6;padding:42px 0 28px}.footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}.small{font-size:.88rem;color:#71808e}.footer .small{color:#aeb9c2}.pill{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:6px 10px;margin:3px 4px 3px 0;font-size:.85rem;background:#fff}.contact-list{list-style:none;padding:0}.contact-list li{margin:12px 0}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:100}.legal-source{font-size:.92rem;color:var(--muted)}@media(max-width:800px){.grid.three,.grid.two,.footer-grid{grid-template-columns:1fr}.nav{align-items:flex-start}.nav-links{justify-content:flex-end}.hero{padding-top:48px}}@media(max-width:560px){.wrap{width:min(var(--max),calc(100% - 28px))}.nav{display:block}.nav-links{margin-top:12px}.site-header{position:static}h1{font-size:2.25rem}}

/* ===== Redesigned Home Page ===== */
.home-page{background:#fbfaf7}.home-page .topbar{background:#0c1822;border-bottom:1px solid rgba(255,255,255,.08)}.home-page .topbar .wrap{padding:9px 0}.top-sep{opacity:.4;margin:0 7px}.home-header{background:rgba(251,250,247,.97);box-shadow:0 8px 30px rgba(15,29,39,.04)}.brand-main{font:700 1.22rem/1.1 Georgia,serif!important;letter-spacing:0!important;text-transform:none!important;color:var(--ink)!important;margin-bottom:5px}.nav-button{padding:10px 15px!important;border-radius:4px!important}

.home-hero{position:relative;overflow:hidden;background:#122230;color:#fff;padding:92px 0 88px}.home-hero-pattern{position:absolute;inset:0;pointer-events:none;background:radial-gradient(circle at 76% 15%,rgba(197,157,96,.16),transparent 29%),linear-gradient(90deg,transparent 49.75%,rgba(255,255,255,.035) 50%,transparent 50.25%),linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px);background-size:auto,180px 100%,100% 64px}.home-hero:after{content:"";position:absolute;width:380px;height:380px;border:1px solid rgba(207,169,105,.18);border-radius:50%;right:-120px;bottom:-220px}.hero-layout{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(330px,.65fr);gap:64px;align-items:center}.hero-copy{max-width:760px}.hero-kicker{display:flex;align-items:center;gap:12px;text-transform:uppercase;letter-spacing:.18em;font-size:.76rem;font-weight:800;color:#d8bb8a;margin:0 0 23px}.hero-kicker span{display:inline-block;width:42px;height:1px;background:#cda664}.home-hero h1{font-size:clamp(3.15rem,5.6vw,5.7rem);letter-spacing:-.035em;color:#fff;max-width:850px;margin:0 0 25px;line-height:.98}.home-lede{font-size:1.18rem;line-height:1.75;color:#d7e0e6;max-width:740px;margin:0}.home-lede strong{color:#fff}.home-actions{margin:34px 0 30px}.button-gold{background:#bd8d49!important;color:#101d27!important;border-radius:4px!important;padding:14px 20px!important}.button-gold:hover{background:#d0a35e!important}.button-ghost{background:transparent!important;border:1px solid rgba(255,255,255,.38);border-radius:4px!important;padding:13px 20px!important}.button-ghost:hover{background:rgba(255,255,255,.08)!important}.hero-microcopy{display:flex;flex-wrap:wrap;gap:10px 20px;font-size:.83rem;color:#9fb0bc}.hero-microcopy span{position:relative;padding-left:14px}.hero-microcopy span:before{content:"";width:5px;height:5px;background:#c99b58;border-radius:50%;position:absolute;left:0;top:.7em}

.hero-panel{background:#fbfaf7;color:#17212b;padding:31px 31px 27px;border-top:4px solid #bd8d49;box-shadow:0 30px 65px rgba(3,11,17,.3)}.panel-label{text-transform:uppercase;letter-spacing:.16em;font-size:.7rem;font-weight:800;color:#a16f2f;margin:0 0 8px}.hero-panel h2{font-size:1.7rem;margin:0 0 22px}.panel-link{display:grid;grid-template-columns:32px 1fr 18px;gap:12px;align-items:start;padding:18px 0;border-top:1px solid #dedbd4;color:#17212b;text-decoration:none}.panel-link:last-child{padding-bottom:3px}.panel-number{font:700 .72rem/1.5 ui-sans-serif,system-ui;color:#ad7b3d}.panel-link strong{display:block;font:700 1rem/1.3 Georgia,serif;margin-bottom:5px}.panel-link small{display:block;color:#63707a;font-size:.8rem;line-height:1.5}.panel-link .arrow{transition:transform .2s;color:#9b6c32}.panel-link:hover .arrow{transform:translateX(4px)}

.home-intro{padding:70px 0;background:#fff}.intro-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px;align-items:start}.intro-label h2{font-size:clamp(2rem,3.2vw,3rem);margin-bottom:0}.intro-copy{font-size:1.08rem;color:#3e4a53}.intro-copy p:first-child{margin-top:0}.intro-copy p{max-width:750px}.home-page .eyebrow{color:#9f6c30;letter-spacing:.16em}

.services-section{padding:86px 0;background:#f0ede7}.section-heading-row{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:34px}.section-heading-row h2{font-size:clamp(2.1rem,3.5vw,3.2rem);margin-bottom:0}.section-heading-row>p{max-width:430px;color:#5d6870;margin:0 0 5px}.service-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.service-card{position:relative;background:#fff;padding:34px 35px 30px;border:1px solid #dedad2;min-height:310px;display:flex;flex-direction:column;transition:transform .22s,box-shadow .22s}.service-card:hover{transform:translateY(-3px);box-shadow:0 18px 35px rgba(24,34,41,.08)}.service-card.featured{background:#172834;color:#fff;border-color:#172834}.service-card.featured h3,.service-card.featured .text-link{color:#fff}.service-card.featured p,.service-card.featured li{color:#d1dce2}.service-icon{position:absolute;right:30px;top:28px;width:38px;height:38px;border:1px solid #d8c3a0;border-radius:50%;display:grid;place-items:center;font:700 1rem Georgia,serif;color:#9d6d31}.featured .service-icon{border-color:rgba(217,187,135,.55);color:#e2c28b}.service-tag{text-transform:uppercase;letter-spacing:.13em;font-size:.68rem!important;font-weight:800;color:#9d6d31!important;margin:0 0 28px}.service-card h3{font-size:1.65rem;margin:0 0 14px}.service-card p{color:#5b6770}.service-card ul{padding-left:1.1rem;color:#d1dce2;font-size:.92rem}.service-card li{margin:.35rem 0}.text-link{display:inline-flex;align-items:center;gap:8px;margin-top:auto;padding-top:14px;font-weight:800;text-decoration:none;color:#163f52}.text-link span{transition:transform .2s}.text-link:hover span{transform:translateX(4px)}

.insight-band{background:#8b6234;color:#fff;padding:78px 0}.insight-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.insight-quote{position:relative;border-left:1px solid rgba(255,255,255,.36);padding:20px 0 20px 52px}.quote-mark{position:absolute;left:21px;top:-8px;font:700 4rem Georgia,serif;color:#e7c997;opacity:.7}.insight-quote p{font:400 clamp(1.65rem,2.8vw,2.5rem)/1.35 Georgia,serif;margin:0}.insight-copy .eyebrow{color:#efdcb9}.insight-copy h2{color:#fff;font-size:2.3rem}.insight-copy p{color:#f0e8dc}.button-ghost-light{background:transparent!important;border:1px solid rgba(255,255,255,.62);border-radius:4px!important;color:#fff!important}.button-ghost-light:hover{background:rgba(255,255,255,.09)!important}

.process-section{padding:88px 0;background:#fbfaf7}.section-heading.centered{text-align:center;max-width:720px;margin:0 auto 42px}.section-heading.centered h2{font-size:clamp(2rem,3.5vw,3.1rem)}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.step-card{border-top:1px solid #c7c0b5;padding-top:24px}.step-card>span{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#172834;color:#fff;font-weight:800;font-size:.82rem;margin-bottom:18px}.step-card h3{font-size:1.4rem}.step-card p{color:#5c6770}

.rules-section{padding:76px 0;background:#fff;border-top:1px solid #e3dfd8;border-bottom:1px solid #e3dfd8}.rules-layout{display:grid;grid-template-columns:1.15fr .85fr;gap:80px;align-items:center}.rules-layout h2{font-size:clamp(2rem,3.4vw,3rem)}.rules-layout>div:first-child p:last-child{color:#5c6770;max-width:650px}.rules-box{background:#f2eee7;padding:30px;border-left:4px solid #bd8d49}.rules-box p{margin-top:0}.rules-box a{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-top:1px solid #d6cfc4;text-decoration:none;font-weight:750;color:#173d4f}.rules-box a:last-child{padding-bottom:0}

.home-faq{padding:88px 0;background:#f0ede7}.faq-layout{display:grid;grid-template-columns:.7fr 1.3fr;gap:90px;align-items:start}.faq-heading{position:sticky;top:130px}.faq-heading h2{font-size:clamp(2rem,3.2vw,3rem)}.faq-heading>p:not(.eyebrow){color:#5f6971}.faq-home-list{background:#fff;padding:12px 30px;border:1px solid #dedad2}.faq-home-list details{padding:23px 0}.faq-home-list summary{font-family:Georgia,serif;font-size:1.12rem;list-style:none;position:relative;padding-right:30px}.faq-home-list summary::-webkit-details-marker{display:none}.faq-home-list summary:after{content:"+";position:absolute;right:0;top:-2px;font:400 1.4rem/1 Georgia,serif;color:#9d6d31}.faq-home-list details[open] summary:after{content:"–"}.faq-home-list p{color:#5c6770}

.final-cta-section{background:#122230;padding:0}.final-cta{display:flex;justify-content:space-between;align-items:center;gap:50px;padding:58px 0;color:#fff}.final-cta .eyebrow{color:#d7b67c}.final-cta h2{color:#fff;max-width:760px;font-size:clamp(2rem,3.5vw,3.1rem);margin-bottom:10px}.final-cta p{color:#bfccd4}.final-cta-actions{display:flex;flex-direction:column;align-items:flex-end;gap:12px;min-width:230px}.phone-link{font:700 1.25rem Georgia,serif;color:#fff;text-decoration:none}

@media(max-width:980px){.hero-layout{grid-template-columns:1fr;gap:42px}.hero-panel{max-width:720px}.intro-grid,.insight-grid,.rules-layout,.faq-layout{gap:50px}.service-grid{grid-template-columns:1fr 1fr}.home-hero h1{font-size:clamp(3rem,8vw,5rem)}}
@media(max-width:800px){.home-hero{padding:66px 0}.intro-grid,.insight-grid,.rules-layout,.faq-layout{grid-template-columns:1fr}.section-heading-row{display:block}.section-heading-row>p{margin-top:16px}.steps-grid{grid-template-columns:1fr;gap:24px}.faq-heading{position:static}.final-cta{display:block}.final-cta-actions{align-items:flex-start;margin-top:26px}.service-grid{grid-template-columns:1fr}.home-page .nav{display:block}.home-page .nav-links{margin-top:14px;justify-content:flex-start}}
@media(max-width:560px){.home-hero{padding:52px 0}.home-hero h1{font-size:2.8rem}.home-lede{font-size:1.05rem}.hero-panel{padding:24px 22px}.panel-link{grid-template-columns:26px 1fr 15px}.home-intro,.services-section,.process-section,.home-faq{padding:64px 0}.intro-grid{gap:24px}.insight-band{padding:62px 0}.insight-quote{padding-left:36px}.quote-mark{left:8px}.service-card{padding:28px 25px}.faq-home-list{padding:8px 20px}.hero-microcopy{display:grid;gap:7px}.final-cta{padding:48px 0}}