:root{
  --navy:#0B1F3A; --navy-2:#12365C; --gold:#C6A75E; --cream:#F5F1E8; --cream-2:#FBF8F1; --white:#FFFFFF; --charcoal:#1E1E1E; --muted:#657084; --line:rgba(11,31,58,.12); --shadow:0 14px 40px rgba(11,31,58,.08); --radius:20px;
}
*{box-sizing:border-box}
body{margin:0;background:var(--cream-2);color:var(--charcoal);font-family:Inter,system-ui,sans-serif;line-height:1.52;font-weight:400}
a{color:inherit;text-decoration:none}.container{width:min(1160px,92vw);margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,248,241,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header-inner{height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;font-weight:600;letter-spacing:.02em}.brand-mark{width:38px;height:38px;border:1px solid rgba(198,167,94,.7);background:var(--navy);color:var(--gold);display:grid;place-items:center;border-radius:50%;font-family:'Playfair Display',serif}.brand-text{font-size:.98rem;text-transform:uppercase;color:var(--navy);font-weight:600}
.main-nav{display:flex;align-items:center;gap:22px;font-size:.92rem;font-weight:500;color:var(--navy)}.main-nav a{padding:8px 0;border-bottom:2px solid transparent}.main-nav a:hover,.main-nav a.active,.main-nav a[aria-current="page"]{border-bottom-color:var(--gold)}.nav-cta{background:var(--navy);color:white!important;padding:10px 16px!important;border-radius:999px;border:0!important}.nav-toggle{display:none;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:8px 11px;font-size:1.1rem}
.hero{padding:64px 0 46px;background:linear-gradient(135deg,var(--cream-2),#fff 58%,#edf3f6)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center}.eyebrow{color:var(--gold);font-weight:650;text-transform:uppercase;letter-spacing:.13em;font-size:.74rem}.hero h1,.page-hero h1{font-family:'Playfair Display',serif;color:var(--navy);font-size:clamp(2.35rem,4.2vw,4.35rem);line-height:1.06;margin:12px 0;font-weight:600}.lead{font-size:1.04rem;color:#455166;max-width:640px}.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 18px;font-weight:600}.btn-primary{background:var(--navy);color:#fff}.btn-secondary{background:#fff;color:var(--navy);border:1px solid var(--line)}
.hero-card,.panel,.tool-card,.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.hero-card{position:relative}.hero-card:before{content:"";position:absolute;inset:14px;border:1px solid rgba(198,167,94,.24);border-radius:16px;pointer-events:none}.hero-card h2,.panel h2,.tool-card h2,.form-card h2{font-family:'Playfair Display',serif;font-size:clamp(1.45rem,2.2vw,2.05rem);font-weight:600;line-height:1.16;margin:8px 0 10px;color:var(--navy)}.hero-card p,.panel p,.tool-card p,.form-card p,.card p{font-size:.96rem;color:#4f5b6b}
.stat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:20px}.stat{background:var(--cream-2);border:1px solid var(--line);border-radius:16px;padding:14px}.stat strong{display:block;color:var(--navy);font-size:1.28rem;font-weight:600}.stat span{font-size:.88rem;color:#5d6877}
.section{padding:52px 0}.section-tight{padding:34px 0}.section-title{max-width:740px;margin-bottom:24px}.section-title h2{font-family:'Playfair Display',serif;color:var(--navy);font-size:clamp(1.75rem,2.8vw,2.65rem);line-height:1.12;margin:8px 0;font-weight:600}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 8px 26px rgba(11,31,58,.05)}.card h3{color:var(--navy);margin:0 0 8px;font-weight:600}.icon{width:36px;height:36px;border-radius:13px;background:rgba(198,167,94,.14);color:var(--navy);display:grid;place-items:center;font-weight:600;margin-bottom:12px}
.dark-band{background:var(--navy);color:#fff}.dark-band h2,.dark-band h3{color:#fff}.dark-band .card{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.16);box-shadow:none}.dark-band p{color:rgba(255,255,255,.78)}.dark-band .eyebrow{color:#d7bd7a}.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}.check-list{padding:0;margin:16px 0 0;list-style:none}.check-list li{margin:9px 0;padding-left:28px;position:relative}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:700}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.form-grid .full{grid-column:1/-1}label{display:block;font-size:.82rem;font-weight:600;color:var(--navy);margin-bottom:6px}input,select,textarea{width:100%;border:1px solid var(--line);border-radius:12px;padding:11px 12px;font:inherit;background:#fff;color:var(--charcoal)}textarea{min-height:100px}.form-note{font-size:.82rem;color:var(--muted)}.result-box{background:var(--cream-2);border:1px solid var(--line);border-radius:16px;padding:16px;margin-top:14px}.result-box strong{font-size:1.55rem;color:var(--navy);display:block;font-weight:600}.page-hero{padding:42px 0;background:linear-gradient(135deg,var(--cream-2),#fff)}p{margin:0 0 12px}
.site-footer{background:#09182d;color:#dce5ee;padding:42px 0 18px}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr .7fr 1.2fr;gap:26px}.site-footer a{display:block;color:#dce5ee;margin:7px 0}.site-footer h4{color:#fff;margin:0 0 10px;font-weight:600}.footer-brand .brand-text{color:#fff}.fine-print{font-size:.78rem;color:#aeb9c7}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:24px;padding-top:14px;display:flex;justify-content:space-between;gap:20px;font-size:.85rem;color:#aeb9c7}
@media(max-width:860px){.nav-toggle{display:block}.main-nav{display:none;position:absolute;left:4vw;right:4vw;top:72px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:18px;flex-direction:column;align-items:flex-start}.main-nav.open{display:flex}.hero-grid,.split,.grid-3,.footer-grid{grid-template-columns:1fr}.hero{padding-top:42px}.section{padding:40px 0}.section-tight{padding:28px 0}.form-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.stat-grid{grid-template-columns:1fr}}