:root{
  --ink:#16213a; --ink-2:#3b475e; --navy:#1d3557; --navy-2:#264b78; --gold:#f1c27d; --gold-ink:#8a5a12;
  --bg:#fbfaf7; --surface:#ffffff; --band:#f1eee7; --line:#d9d3c7; --focus:#c2410c;
  --radius:14px; --max:72rem; --narrow:46rem;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: Georgia, "Times New Roman", serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:1.1875rem/1.65 var(--font)}
img{max-width:100%;height:auto}
a{color:var(--navy-2);text-underline-offset:.18em}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.75rem 1rem;z-index:10}
.skip:focus{left:1rem;top:1rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 1rem}
.narrow{max-width:var(--narrow)}
h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(2rem,5vw,3rem)}
h2{font-size:clamp(1.5rem,3.2vw,2rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.lead{font-size:1.3rem;color:var(--ink-2)}
.small{font-size:1rem;color:var(--ink-2)}
.eyebrow,.kicker{font-size:.95rem;font-weight:600;letter-spacing:.02em;color:var(--gold-ink);margin-bottom:.5rem}
.section{padding:3rem 0}
.band{background:var(--band)}
/* header */
.site-header{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:4.5rem}
.brand{display:flex;align-items:center;gap:.65rem;text-decoration:none;color:var(--navy)}
.brand-mark{width:2.5rem;height:2.5rem;flex:none}
.brand-text{font-family:var(--serif);font-weight:700;font-size:1.2rem;line-height:1.1}
.brand-text span{display:block;font-family:var(--font);font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink)}
.menu-toggle{display:none;font:inherit;font-weight:600;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:.55rem 1rem;min-height:44px}
.site-nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.25rem 1.25rem;align-items:center}
.site-nav a{display:inline-block;padding:.5rem 0;color:var(--ink);text-decoration:none;font-weight:600;font-size:1.05rem}
.site-nav a[aria-current="page"]{text-decoration:underline;text-decoration-thickness:3px;text-decoration-color:var(--gold)}
.site-nav .nav-cta{background:var(--navy);color:#fff;padding:.55rem 1rem;border-radius:10px}
.site-nav .nav-cta:hover{background:var(--navy-2);color:#fff}
@media (max-width:860px){
  .js .menu-toggle{display:inline-block}
  .js .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--surface);border-bottom:1px solid var(--line);padding:.5rem 1rem 1rem}
  .js .site-nav.open{display:block}
  .js .site-nav ul{flex-direction:column;align-items:stretch}
  .js .site-nav a{display:block;padding:.75rem 0;font-size:1.15rem}
  .js .site-nav .nav-cta{text-align:center;margin-top:.5rem}
}
/* buttons */
.btn{display:inline-block;background:var(--navy);color:#fff;font:inherit;font-weight:700;text-decoration:none;border:2px solid var(--navy);border-radius:12px;padding:.8rem 1.35rem;min-height:48px;cursor:pointer}
.btn:hover{background:var(--navy-2);border-color:var(--navy-2);color:#fff}
.btn-ghost{background:transparent;color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.25rem}
/* hero */
.hero{padding:3.5rem 0;background:linear-gradient(180deg,#eef2f7, var(--bg))}
.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:2.5rem;align-items:center}
.hero-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem}
.hero-card h2{font-size:1.4rem}
.checks{margin:0;padding-left:1.25rem}
.checks li{margin:.4rem 0}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}}
/* steps, tiles, cards */
.steps{list-style:none;counter-reset:s;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.steps li{counter-increment:s;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem}
.steps li::before{content:counter(s);display:inline-grid;place-items:center;width:2.25rem;height:2.25rem;border-radius:50%;background:var(--gold);color:var(--ink);font-weight:700;margin-bottom:.5rem}
.grid-4{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.tile{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem}
.tile p{margin:0;font-size:1.05rem}
.cards{list-style:none;padding:0;margin:1.5rem 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem}
.card h3 a{color:var(--navy);text-decoration:none}
.card h3 a:hover{text-decoration:underline}
.card p:last-child{margin:0;font-size:1.05rem;color:var(--ink-2)}
@media (max-width:960px){.grid-4{grid-template-columns:repeat(2,1fr)}.cards{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.steps,.grid-4,.cards{grid-template-columns:1fr}}
/* faq */
details{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:0 1.25rem;margin:.75rem 0}
summary{cursor:pointer;font-weight:700;padding:1rem 0;min-height:44px}
details p{margin-top:0}
.cta-box{text-align:center;max-width:var(--narrow)}
.cta-box .actions{justify-content:center}
/* article */
.prose h2{margin-top:1.75em}
.prose ul,.prose ol{padding-left:1.4rem}
.prose li{margin:.35rem 0}
.breadcrumbs{font-size:1rem}
.table-wrap{overflow-x:auto;margin:1.25rem 0}
table{border-collapse:collapse;width:100%;min-width:32rem;background:var(--surface)}
th,td{border:1px solid var(--line);padding:.6rem .75rem;text-align:left;vertical-align:top;font-size:1.05rem}
thead th{background:var(--band)}
blockquote{margin:1.25rem 0;padding:.5rem 1.25rem;border-left:4px solid var(--gold);background:var(--surface)}
.note{margin-top:2.5rem;background:var(--band);border-radius:var(--radius);padding:1.25rem 1.5rem;font-size:1.05rem}
.note h2{font-size:1.25rem;margin-top:0}
.note-inline{background:#fff7e8;border:1px solid #e9cf9c;border-radius:12px;padding:1rem 1.25rem}
/* profile */
.profile{display:grid;grid-template-columns:320px 1fr;gap:2.5rem;align-items:start}
.portrait{border-radius:var(--radius);border:1px solid var(--line);width:100%;height:auto;object-fit:cover}
@media (max-width:760px){.profile{grid-template-columns:1fr}.portrait{max-width:280px}}
/* forms */
.form{margin-top:1.5rem}
.field{margin:0 0 1.25rem;border:0;padding:0}
.field label,.field legend{display:block;font-weight:700;margin-bottom:.35rem}
.req,.opt{font-weight:400;color:var(--ink-2);font-size:.95rem}
input[type=text],input:not([type]),input[type=email],input[type=tel],input[type=date],textarea,select{width:100%;font:inherit;padding:.7rem .8rem;border:2px solid #8b8577;border-radius:10px;background:#fff;color:var(--ink);min-height:48px}
input:focus,textarea:focus{border-color:var(--navy)}
.choice{display:flex !important;gap:.6rem;align-items:flex-start;font-weight:400 !important;padding:.35rem 0;min-height:44px}
.choice input{width:1.35rem;height:1.35rem;margin-top:.25rem;flex:none}
.hint{display:block;font-size:.95rem;color:var(--ink-2);margin-top:.3rem}
[aria-invalid="true"]{border-color:#b42318 !important}
.field-error{display:block;color:#b42318;font-weight:600;font-size:1rem;margin-top:.3rem}
.form-status{font-weight:700}
.form-status.ok{color:#166534}
.form-status.err{color:#b42318}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.quiz-result{margin-top:2rem;background:var(--surface);border:2px solid var(--navy);border-radius:var(--radius);padding:1.5rem}
.quiz-result li{margin:.6rem 0}
/* footer */
.site-footer{background:var(--navy);color:#e8edf5;padding:2.5rem 0 1.5rem;margin-top:2rem}
.site-footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:1.5rem}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin:.35rem 0}
.footer-brand{font-family:var(--serif);font-size:1.3rem;font-weight:700;color:#fff}
.footer-head{font-weight:700;color:var(--gold)}
.footer-legal{border-top:1px solid #3c5679;margin-top:1.5rem;padding-top:1rem;font-size:.95rem;color:#cfd8e6}
@media (max-width:760px){.footer-grid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto !important;transition:none !important}}