:root{--navy:#0f2340;--navy2:#16325c;--deep:#091629;--gold:#c8a24a;--gold2:#e2c77e;--ink:#1d2433;--muted:#5b6474;--bg:#f6f5f1;--line:#e5e3dc;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);line-height:1.65;background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:Fraunces,Georgia,serif;line-height:1.15;margin:0 0 .5em;color:var(--navy);font-weight:600;letter-spacing:-.01em}
a{color:var(--navy2)}.wrap{max-width:1180px;margin:0 auto;padding:0 24px}.narrow{max-width:820px}
.topbar{background:var(--deep);color:#b9c4d6;font-size:13px}.topbar a{color:#e2c77e;text-decoration:none}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding:8px 24px;flex-wrap:wrap}
header.nav{background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;font-family:Fraunces,serif;font-size:23px;color:var(--navy);text-decoration:none;font-weight:600}
.logo b{color:var(--gold);font-weight:600}.logo.light{color:#fff}
.nav ul{display:flex;gap:28px;list-style:none;margin:0;padding:0}.nav ul a{text-decoration:none;color:var(--ink);font-weight:500;font-size:15px}.nav ul a:hover{color:var(--gold)}
.navcta{display:flex;align-items:center;gap:16px}.phone{font-weight:600;text-decoration:none;color:var(--navy)}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--deep);font-weight:700;text-decoration:none;padding:13px 22px;border-radius:6px;border:0;cursor:pointer;font-size:15px;letter-spacing:.01em;transition:background .2s}
.btn:hover{background:var(--gold2)}.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.45)}.btn.ghost:hover{border-color:var(--gold2)}.btn.wide{width:100%;justify-content:center}
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(200,162,74,.16),transparent 60%),linear-gradient(160deg,var(--deep),var(--navy) 55%,var(--navy2));color:#fff;padding:80px 0 88px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1px);background-size:22px 22px;mask-image:linear-gradient(90deg,transparent,#000 70%)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start;position:relative;z-index:1}.hero .wrap.one{display:block;max-width:820px}
.hero.sub{padding:60px 0 68px}
.hero h1{color:#fff;font-size:56px;font-weight:600}.hero.sub h1{font-size:44px}.hero h1 em{color:var(--gold2);font-style:italic}
.hero p.lead{font-size:19px;color:#d6deeb;max-width:580px}.gold{color:var(--gold2)}
.crumbs{font-size:13px;color:#a9b6cc;margin-bottom:14px}.crumbs a{color:#a9b6cc}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:700;color:var(--gold);margin-bottom:10px}.eyebrow.light{color:var(--gold2)}
.badges{display:flex;gap:22px;flex-wrap:wrap;font-size:14px;color:#d6deeb}.badges div:before{content:"✓ ";color:var(--gold);font-weight:700}
.card{background:#fff;color:var(--ink);border-radius:12px;padding:28px;box-shadow:0 30px 70px rgba(0,0,0,.35);border-top:4px solid var(--gold)}
.card h2{font-size:24px;margin-bottom:4px}.card .sub{color:var(--muted);font-size:14px;margin:0 0 16px}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
label{display:block;font-size:12.5px;font-weight:600;margin:0 0 4px;color:var(--navy);letter-spacing:.02em}
input,textarea{width:100%;padding:10px 12px;border:1px solid #d3d7de;border-radius:6px;font:inherit;font-size:15px;background:#fbfbfa}
input:focus,textarea:focus{outline:2px solid var(--gold);border-color:transparent}.f{margin-bottom:12px}
fieldset{border:1px solid var(--line);border-radius:6px;padding:10px 12px;margin:0 0 12px}legend{font-size:12.5px;font-weight:600;color:var(--navy);padding:0 4px}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:6px 12px;font-size:13.5px}.checks label{font-weight:400;color:var(--ink);display:flex;gap:8px;align-items:center;margin:0;font-size:13.5px}.checks input{width:auto}
.hp{position:absolute;left:-9999px}.fine{font-size:12px;color:var(--muted);margin:10px 0 0;text-align:center}
.done{text-align:center;padding:30px 10px}.done .ok{font-size:44px;color:#2e7d57}
section{padding:84px 0}section.alt{background:var(--bg)}
.strip{padding:22px 0;background:var(--deep);border-top:1px solid #1d3050}.strip .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;color:#c9d2e0;font-size:13px;letter-spacing:.14em;text-transform:uppercase}
.strip span:before{content:"◆ ";color:var(--gold)}
.section-head{max-width:740px;margin-bottom:40px}.section-head h2{font-size:38px}.section-head p{color:var(--muted);font-size:17px}.mt{margin-top:56px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.tile{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px;transition:transform .25s,box-shadow .25s}.tile:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(15,35,64,.08)}
.tile .ic{width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-size:20px;margin-bottom:14px}
.tile h3{font-size:21px}.tile p{color:var(--muted);margin:0;font-size:15px}.court{border-top:3px solid var(--gold)}.court p{color:var(--ink)}.court small{color:var(--muted);display:block;margin-top:8px;font-size:13px}
ul.plain{margin:0;padding-left:18px}
.note{background:#fbf6e8;border:1px solid #eedfb5;border-radius:10px;padding:20px 22px;font-size:15px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.step{background:#fff;border:1px solid var(--line);border-radius:10px;padding:34px 26px 26px;position:relative}
.step:before{counter-increment:s;content:"0" counter(s);position:absolute;top:-20px;left:24px;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-family:Fraunces,serif;font-size:17px}
.step h3{font-size:21px}.step p{color:var(--muted);margin:0}
.why{padding:0}.why li{margin-bottom:14px;list-style:none;padding-left:30px;position:relative}.why li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:700}
.quote{background:var(--navy);color:#fff;border-radius:12px;padding:40px;position:relative}.quote p{font-family:Fraunces,serif;font-size:25px;line-height:1.4;margin:0 0 16px}.quote span{color:var(--gold2);font-size:13px;letter-spacing:.14em;text-transform:uppercase}
.chips{display:flex;flex-wrap:wrap;gap:10px}.chips a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;text-decoration:none;color:var(--navy);font-weight:500;font-size:14.5px}.chips a span{color:var(--gold);margin-left:6px;font-size:12px;font-weight:700}.chips a:hover{border-color:var(--gold)}
.stgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.stgrid a{border:1px solid var(--line);border-radius:8px;padding:12px 14px;text-decoration:none}.stgrid b{display:block;color:var(--navy)}.stgrid span{color:var(--muted);font-size:13px}.stgrid a:hover{border-color:var(--gold)}
.cols2{columns:2;padding-left:18px}
details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:16px 20px;margin-bottom:10px}summary{cursor:pointer;font-weight:600;color:var(--navy)}details p{color:var(--muted);margin:10px 0 0}
.prose p{font-size:18px}.ph{background:#fff3cd;padding:12px;border-radius:6px;font-size:15px!important}
.cta-band{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;padding:60px 0}.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}.cta-band h2{color:#fff;margin:0;font-size:30px;max-width:620px}.cta-band .ctas{margin:0}
footer{background:var(--deep);color:#a9b6cc;padding:56px 0 28px;font-size:14px}footer .cols{display:grid;grid-template-columns:1.6fr 1fr 1.4fr;gap:36px}
footer h4{color:#fff;margin:0 0 12px;font-size:14px;letter-spacing:.1em;text-transform:uppercase}footer a{color:#a9b6cc;text-decoration:none;display:block;margin-bottom:6px}footer a:hover{color:var(--gold2)}
.fcities{columns:2}.fcities h4{column-span:all}footer .legal{border-top:1px solid #1d3050;margin-top:34px;padding-top:18px;font-size:12px}
.sticky-call{display:none}
@media(max-width:960px){.hero .wrap,.grid2,.split{grid-template-columns:1fr}.grid3,.steps{grid-template-columns:1fr}.stgrid{grid-template-columns:1fr 1fr}
.nav nav,.navcta .phone{display:none}.hero h1{font-size:38px}.hero.sub h1{font-size:34px}footer .cols{grid-template-columns:1fr}.steps{gap:34px}.section-head h2{font-size:30px}
.sticky-call{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:20;background:var(--gold);color:var(--deep);font-weight:700;justify-content:center;padding:14px;text-decoration:none}body{padding-bottom:52px}.hero{padding:52px 0 60px}}
@media(max-width:520px){form .row,.checks{grid-template-columns:1fr}.navcta .btn{padding:10px 14px;font-size:13px}.logo{font-size:20px}.topbar .wrap span:last-child{display:none}.cols2{columns:1}}