:root{
  --ink:#132234; --ink-2:#3d5165; --muted:#6b7c90;
  --navy:#173a5e; --navy-d:#0f2942;
  --brass:#b5762a; --brass-l:#d9a05b; --brass-bg:#fdf6ec;
  --cream:#fbf8f4; --white:#fff; --line:#e6e0d8;
  --green:#1f6b4d; --red:#a33a2a;
  --shadow:0 1px 2px rgba(19,34,52,.05),0 8px 24px -12px rgba(19,34,52,.18);
  --shadow-lg:0 2px 4px rgba(19,34,52,.06),0 24px 60px -24px rgba(19,34,52,.28);
  --r:14px; --maxw:1160px;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--white);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:2px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.015em;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5vw,3.4rem)}
h2{font-size:clamp(1.6rem,3.4vw,2.4rem)}
h3{font-size:clamp(1.15rem,2vw,1.4rem)}
p{margin:0 0 1.1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:780px;margin-left:auto;margin-right:auto}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--brass);margin:0 0 .9em}
.lead{font-size:1.16rem;color:var(--ink-2)}
.center{text-align:center}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* ── Skip / topbar ── */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:12px 18px;z-index:200}
.skip:focus{left:8px;top:8px}
.topbar{background:var(--navy-d);color:#c9d8e6;font-size:.86rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar a:hover{text-decoration:underline}

/* ── Nav ── */
.nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.94);
  backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:14px;padding-bottom:14px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);flex-shrink:0}
.logo-mark{width:38px;height:38px;border-radius:9px;background:linear-gradient(140deg,var(--navy),var(--navy-d));
  display:grid;place-items:center;color:#fff;font-family:var(--serif);font-weight:700;font-size:1.02rem;letter-spacing:-.02em}
.logo-txt{font-family:var(--serif);font-weight:600;font-size:1.1rem;line-height:1.1}
.logo-sub{display:block;font-family:var(--sans);font-size:.68rem;font-weight:600;letter-spacing:.09em;
  text-transform:uppercase;color:var(--muted)}
.navlinks{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.navlinks a{color:var(--ink-2);text-decoration:none;font-size:.94rem;font-weight:500;white-space:nowrap}
.navlinks a:hover,.navlinks a[aria-current=page]{color:var(--navy)}
.navtoggle{display:none;background:none;border:1px solid var(--line);border-radius:9px;padding:9px 11px;cursor:pointer}
.navtoggle span{display:block;width:20px;height:2px;background:var(--ink);margin:4px 0;border-radius:2px;transition:.25s}
.navtoggle[aria-expanded=true] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.navtoggle[aria-expanded=true] span:nth-child(2){opacity:0}
.navtoggle[aria-expanded=true] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
@media(max-width:980px){
  .navtoggle{display:block}
  .navlinks{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);
    flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px;display:none;box-shadow:var(--shadow)}
  .navlinks.open{display:flex}
  .navlinks li{border-bottom:1px solid var(--line)}
  .navlinks li:last-child{border:0;padding-top:12px}
  .navlinks a{display:block;padding:13px 0;font-size:1rem}
  .navlinks .btn{text-align:center;padding:13px 20px}
}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--sans);font-size:1rem;font-weight:650;line-height:1;
  padding:15px 26px;border-radius:10px;border:1.5px solid transparent;
  text-decoration:none;cursor:pointer;transition:transform .12s ease,box-shadow .2s ease,background .2s ease}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--brass);color:#fff;box-shadow:0 6px 18px -6px rgba(181,118,42,.6)}
.btn-primary:hover{background:#a06724}
.btn-navy{background:var(--navy);color:#fff;box-shadow:0 6px 18px -6px rgba(23,58,94,.55)}
.btn-navy:hover{background:var(--navy-d)}
.btn-ghost{background:transparent;color:var(--navy);border-color:#c3d0dd}
.btn-ghost:hover{background:#f2f6fa;border-color:var(--navy)}
.btn-white{background:#fff;color:var(--navy)}
.btn-lg{padding:18px 34px;font-size:1.06rem}
.btn-block{width:100%}
.btnrow{display:flex;gap:14px;flex-wrap:wrap}
.center .btnrow{justify-content:center}

/* ── Hero ── */
.hero{position:relative;background:linear-gradient(168deg,#0f2942 0%,#173a5e 52%,#1d4a76 100%);
  color:#fff;overflow:hidden;padding:76px 0 90px}
.hero::after{content:"";position:absolute;inset:0;opacity:.4;pointer-events:none;
  background:radial-gradient(900px 420px at 82% 8%,rgba(217,160,91,.28),transparent 62%),
             radial-gradient(700px 400px at 5% 95%,rgba(255,255,255,.10),transparent 60%)}
.hero>*{position:relative;z-index:1}
.hero h1{color:#fff;max-width:16ch}
.hero .lead{color:#cfe0ef;font-size:1.2rem;max-width:52ch}
.hero .eyebrow{color:var(--brass-l)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
@media(max-width:940px){.hero-grid{grid-template-columns:1fr;gap:40px}.hero{padding:56px 0 64px}}
.trustrow{display:flex;gap:26px;flex-wrap:wrap;margin-top:30px;padding-top:26px;border-top:1px solid rgba(255,255,255,.16)}
.trustrow div{font-size:.9rem;color:#bcd2e4}
.trustrow strong{display:block;font-family:var(--serif);font-size:1.5rem;color:#fff;line-height:1.2}

/* ── Cards ── */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow)}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}

/* ── Path cards (buy vs list) ── */
.paths{display:grid;grid-template-columns:1fr 1fr;gap:26px}
@media(max-width:820px){.paths{grid-template-columns:1fr}}
.path{position:relative;border-radius:16px;padding:36px 32px 32px;border:1px solid var(--line);
  background:#fff;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:box-shadow .25s,transform .2s}
.path:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.path--cash{background:linear-gradient(180deg,var(--brass-bg),#fff 55%);border-color:#eddfc7}
.path--list{background:linear-gradient(180deg,#f1f6fb,#fff 55%);border-color:#dbe6f0}
.path h3{font-size:1.55rem;margin-bottom:.35em}
.path ul{margin:0 0 26px;padding:0;list-style:none;flex:1}
.path li{padding:9px 0 9px 30px;position:relative;color:var(--ink-2);border-bottom:1px dashed var(--line)}
.path li:last-child{border:0}
.path li::before{content:"";position:absolute;left:4px;top:17px;width:9px;height:9px;border-radius:50%;background:var(--brass)}
.path--list li::before{background:var(--navy)}
.pathtag{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  padding:6px 11px;border-radius:99px;margin-bottom:14px}
.path--cash .pathtag{background:var(--brass);color:#fff}
.path--list .pathtag{background:var(--navy);color:#fff}

/* ── Sections ── */
section{padding:84px 0}
section.tight{padding:60px 0}
.bg-cream{background:var(--cream)}
.bg-navy{background:var(--navy-d);color:#dbe7f1}
.bg-navy h2,.bg-navy h3{color:#fff}
.bg-navy .lead{color:#b9cddf}
.rule{height:1px;background:var(--line);border:0;margin:0}

/* ── Steps ── */
.steps{counter-reset:s;display:grid;gap:22px;grid-template-columns:repeat(3,1fr)}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;position:relative}
.step::before{content:counter(s);position:absolute;top:-16px;left:26px;width:38px;height:38px;border-radius:50%;
  background:var(--brass);color:#fff;display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.1rem;
  box-shadow:0 4px 12px -4px rgba(181,118,42,.7)}
.step h3{margin-top:12px;font-size:1.2rem}
.step p{margin:0;color:var(--ink-2);font-size:.98rem}

/* ── Situations ── */
.sit{background:#fff;border:1px solid var(--line);border-left:3px solid var(--brass);border-radius:10px;padding:20px 22px}
.sit h3{font-size:1.06rem;margin-bottom:.3em;font-family:var(--sans);font-weight:700}
.sit p{margin:0;font-size:.95rem;color:var(--ink-2)}

/* ── Compare table ── */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff;box-shadow:var(--shadow)}
table{border-collapse:collapse;width:100%;min-width:640px;font-size:.96rem}
th,td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--cream);font-family:var(--sans);font-size:.8rem;letter-spacing:.08em;
  text-transform:uppercase;color:var(--muted);font-weight:700}
tbody th{font-weight:650;color:var(--ink);width:26%}
tr:last-child td,tr:last-child th{border-bottom:0}
td.yes{color:var(--green);font-weight:600}
td.no{color:var(--red)}

/* ── Form ── */
.formcard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:32px;box-shadow:var(--shadow-lg)}
.hero .formcard{color:var(--ink)}
.formcard h3{font-size:1.35rem;margin-bottom:.25em}
.formcard .sub{color:var(--muted);font-size:.93rem;margin-bottom:22px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.85rem;font-weight:650;color:var(--ink-2);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;font-family:var(--sans);font-size:1rem;color:var(--ink);
  padding:13px 14px;border:1.5px solid #d9e0e7;border-radius:9px;background:#fff;transition:border .15s,box-shadow .15s}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(23,58,94,.12)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:520px){.field-row{grid-template-columns:1fr}}
.formnote{font-size:.82rem;color:var(--muted);margin-top:14px;line-height:1.5}
.hp{position:absolute;left:-9999px}

/* ── FAQ ── */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;padding:20px 54px 20px 24px;font-weight:650;position:relative;list-style:none;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:24px;top:50%;transform:translateY(-50%);
  font-size:1.6rem;color:var(--brass);font-weight:400;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 24px 22px;color:var(--ink-2)}
.faq .ans p:last-child{margin:0}

/* ── Quote / testimonial ── */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow)}
.quote p{font-family:var(--serif);font-size:1.08rem;color:var(--ink);line-height:1.55}
.quote cite{display:block;font-style:normal;font-size:.87rem;color:var(--muted);font-weight:600;margin-top:14px}

/* ── Areas ── */
.arealist{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.arealist a{display:inline-block;padding:9px 16px;background:#fff;border:1px solid var(--line);
  border-radius:99px;font-size:.92rem;text-decoration:none;color:var(--ink-2);transition:.15s}
.arealist a:hover{border-color:var(--navy);color:var(--navy);background:#f4f8fb}

/* ── CTA band ── */
.cta{background:linear-gradient(150deg,var(--navy-d),#1d4a76);color:#fff;border-radius:18px;padding:52px 44px;text-align:center}
.cta h2{color:#fff}
.cta p{color:#c9dcec;max-width:56ch;margin-left:auto;margin-right:auto}
@media(max-width:600px){.cta{padding:38px 24px}}

/* ── Footer ── */
footer{background:var(--navy-d);color:#9fb6c9;font-size:.93rem;padding:60px 0 28px;margin-top:0}
footer h4{color:#fff;font-family:var(--sans);font-size:.8rem;letter-spacing:.11em;text-transform:uppercase;margin:0 0 16px}
footer a{color:#c9dcec;text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:9px}
.footgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px}
@media(max-width:860px){.footgrid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:520px){.footgrid{grid-template-columns:1fr}}
.footbottom{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:22px;
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.85rem;color:#7f97ab}
.disclaimer{font-size:.78rem;color:#7f97ab;line-height:1.6;margin-top:18px}

/* ── Sticky mobile call bar ── */
.callbar{display:none}
@media(max-width:720px){
  .callbar{display:grid;grid-template-columns:1fr 1fr;gap:1px;position:fixed;bottom:0;left:0;right:0;z-index:120;
    background:var(--line);box-shadow:0 -4px 18px rgba(19,34,52,.14)}
  .callbar a{padding:15px 8px;text-align:center;font-weight:700;font-size:.95rem;text-decoration:none}
  .callbar .c1{background:var(--navy);color:#fff}
  .callbar .c2{background:var(--brass);color:#fff}
  body{padding-bottom:54px}
}

/* ── Breadcrumb ── */
.crumb{font-size:.85rem;color:var(--muted);padding:18px 0 0}
.crumb a{color:var(--muted)}
.crumb span{margin:0 7px}

/* ── Prose ── */
.prose h2{margin-top:1.8em}
.prose h3{margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.3em;color:var(--ink-2)}
.prose li{margin-bottom:.55em}