:root{--ink:#0f2e4d;--ink2:#173f66;--gold:#f28c28;--gold2:#c25e0a;--sand:#f3f6fa;--text:#25364a;--mut:#56667a;--line:#dde5ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--text);background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:"Iowan Old Style","Palatino Linotype",Georgia,serif;color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.2rem,5vw,3.8rem)}h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}h3{font-size:1.25rem}
a{color:inherit}.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;z-index:50}.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.site-header{position:sticky;top:0;z-index:20;display:flex;align-items:center;gap:28px;padding:12px max(24px,calc((100vw - 1160px)/2));background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);font:600 1.35rem/1 Georgia,serif}.brand span{display:flex;flex-direction:column}.brand small{font:600 .6rem/1.4 system-ui,sans-serif;letter-spacing:.16em;text-transform:uppercase;color:var(--mut)}
.brand.light{color:#fff}.brand.light small{color:#b3c4d8}
#navigation{display:flex;gap:6px;margin-left:auto}#navigation a{text-decoration:none;padding:8px 14px;border-radius:99px;font-weight:500;font-size:.95rem;color:var(--text)}#navigation a:hover{background:var(--sand)}#navigation a.active{background:var(--ink);color:#fff}
.btn{display:inline-block;padding:13px 24px;border-radius:99px;font-weight:600;text-decoration:none;border:2px solid transparent;transition:.2s;cursor:pointer;font-size:.97rem;font-family:inherit}
.btn-gold{background:var(--gold);color:var(--ink)}.btn-gold:hover{background:#f7a653;transform:translateY(-1px)}
.btn-ghost{border-color:#ffffff66;color:#fff}.btn-ghost:hover{background:#ffffff1a}
.header-cta{padding:10px 20px}.menu{display:none;background:none;border:0;padding:8px;cursor:pointer;flex-direction:column;gap:5px;margin-left:auto}.menu span{width:24px;height:2px;background:var(--ink);display:block}
.eyebrow{font:700 .76rem/1 system-ui,sans-serif;letter-spacing:.18em;text-transform:uppercase;color:#b3c4d8;margin:0 0 18px}.eyebrow.gold{color:var(--gold)}.eyebrow.dark{color:var(--gold2)}
.hero{background:radial-gradient(1000px 500px at 80% 0,#2a5f9455,transparent),linear-gradient(160deg,#0f2e4d,#0a2038);color:#fff;padding:96px 0 110px;overflow:hidden}
.hero h1{color:#fff}.hero em{color:var(--gold);font-style:italic}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.lead{font-size:1.15rem;max-width:60ch;color:#d3e0ee}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}.hero-art svg{width:100%;height:auto}
.intro{background:linear-gradient(160deg,#0f2e4d,#173f66);color:#fff;padding:80px 0 72px}.intro h1{color:#fff;max-width:20ch}
.section{padding:88px 0}.section.alt{background:var(--sand)}.sub{font-size:1.1rem;color:var(--mut);max-width:62ch}.sub.left{margin-top:0}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;margin-top:40px}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;transition:.25s}.card:hover{transform:translateY(-4px);box-shadow:0 18px 40px -18px #0f2e4d55;border-color:var(--gold)}
.card p{color:var(--mut);margin:0}.ico{width:44px;height:44px;padding:10px;border-radius:12px;background:var(--ink);color:var(--gold);margin-bottom:18px}
.more{margin-top:28px}.more a,.link{font-weight:600;color:var(--ink);text-decoration-color:var(--gold);text-underline-offset:5px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.split.rev{grid-template-columns:1fr 1fr}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:12px}.checks li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px 16px 52px;position:relative;font-weight:500}
.checks li:before{content:"";position:absolute;left:18px;top:50%;width:18px;height:18px;margin-top:-9px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='m5 10 3.5 3.5L15 7' fill='none' stroke='%230c2a2e' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.trust,.feecard,.callout{background:var(--ink);color:#d8e4f0;border-radius:24px;padding:40px}.trust h3,.feecard .fee{color:#fff}.trust .ico,.callout .ico{background:#ffffff14}.trust .link{color:var(--gold)}
.callout{display:flex;gap:24px;align-items:flex-start}.callout h3{color:#fff}.callout p{margin:0}.callout .ico{flex:none;margin:0}
.feecard{text-align:center}.feecard .ico{margin:0 auto 14px}.fee{font:600 4.5rem/1 Georgia,serif;margin:6px 0}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:20px}
.cta{background:linear-gradient(160deg,#0f2e4d,#173f66);color:#fff;padding:72px 0}.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}.cta h2{color:#fff;margin-bottom:.3em}.cta p{margin:0;color:#d3e0ee;max-width:56ch}
.contact-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px}.form{background:#fff;border:1px solid var(--line);border-radius:24px;padding:36px;box-shadow:0 24px 50px -30px #0f2e4d66;scroll-margin-top:100px}
.form label{display:block;font-weight:600;margin:16px 0 6px;font-size:.92rem;color:var(--ink)}.opt{font-weight:400;color:var(--mut)}
.form input,.form textarea{width:100%;padding:13px 15px;border:1.5px solid #c9d3df;border-radius:12px;font:inherit;background:#fafbfd}.form input:focus,.form textarea:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 4px #f28c2855}
.form .btn{margin-top:22px}#status{margin:14px 0 0;font-weight:500}#status.ok{color:#17653a}#status.err{color:#a3261c}
.info iframe{width:100%;height:240px;border:0;border-radius:18px;margin-top:8px;background:var(--sand)}
.site-footer{background:#081b30;color:#b3c4d8;padding:64px max(24px,calc((100vw - 1160px)/2)) 40px;font-size:.93rem}
.foot{display:grid;grid-template-columns:1.4fr .6fr 1fr;gap:40px}.site-footer h3{font:700 .72rem/1 system-ui,sans-serif;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.site-footer nav a{display:block;text-decoration:none;padding:4px 0}.site-footer a:hover{color:#fff}.site-footer address{font-style:normal;line-height:1.9}
.legal{border-top:1px solid #ffffff1f;margin-top:44px;padding-top:24px;font-size:.78rem;line-height:1.7;color:#8aa3bd}.copy{font-size:.8rem;margin:10px 0 0}
@media(max-width:900px){.hero-grid,.split,.contact-grid,.cols,.foot{grid-template-columns:1fr}.hero-art{display:none}.hero{padding:64px 0 80px}.section{padding:64px 0}
.menu{display:flex}.header-cta{display:none}#navigation{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;padding:12px 24px 20px;border-bottom:1px solid var(--line);margin:0}#navigation.open{display:flex}
.form{padding:24px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

.brand img{display:block;height:55px;width:auto}.brand.light{background:#fff;padding:10px 14px;border-radius:10px;align-self:flex-start;display:inline-flex}.brand.light img{height:58px}