*,*::before,*::after{box-sizing:border-box}
:root{
  --navy:#1e3a5f;--navy-2:#16304f;--gold:#c9a227;--gold-2:#a9861b;
  --ink:#232d3a;--muted:#5b6776;--paper:#f7f9fc;--white:#fff;--line:#d7dee8;
  --radius:14px;--wrap:1180px;--step:clamp(20px,3.4vw,34px);
  --shadow:0 18px 40px rgba(22,48,79,.10);
  --serif:"Iowan Old Style","Palatino Linotype","Book Antiqua",Georgia,"Times New Roman",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--sans);font-size:clamp(16px,1.02vw,17.5px);line-height:1.7;overflow-wrap:anywhere}
h1,h2,h3{font-family:var(--serif);line-height:1.18;letter-spacing:-.01em;margin:0;color:var(--navy)}
h1{font-size:clamp(2rem,4.4vw,3.5rem);font-weight:600}
h2{font-size:clamp(1.4rem,2.5vw,2.15rem);font-weight:600}
h3{font-size:clamp(1.08rem,1.5vw,1.3rem);font-weight:600}
p{margin:0 0 1em}
a{color:var(--navy);text-underline-offset:.22em}
a:hover{color:var(--gold-2)}
img{max-width:100%;height:auto;display:block}
ul,ol{margin:0 0 1em;padding-left:1.25em}
li{margin:.28em 0}
.wrap{width:min(var(--wrap),100% - clamp(28px,6vw,96px));margin-inline:auto}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:#111;padding:10px 16px;z-index:20}
.skip:focus{left:12px;top:12px}

/* header */
.site-head{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.head-in{display:flex;align-items:center;gap:clamp(12px,2vw,28px);padding:10px 0}
.brand{display:inline-flex;align-items:center;flex:0 0 auto;text-decoration:none}
.brand img{width:132px;height:auto}
.brand span{position:absolute;left:-9999px}
.nav-toggle{display:none;margin-left:auto;border:1px solid var(--line);background:var(--white);border-radius:10px;padding:8px 12px;font:inherit;color:var(--navy);cursor:pointer}
.nav{display:flex;flex-wrap:wrap;gap:6px 14px;margin-left:auto;align-items:center}
.nav a{text-decoration:none;font-size:.94rem;color:var(--ink);padding:6px 2px;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current="page"]{color:var(--navy);border-color:var(--gold)}
@media(max-width:980px){
  .nav-toggle{display:inline-block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--white);border-bottom:1px solid var(--line);padding:14px clamp(16px,5vw,24px);flex-direction:column;align-items:flex-start;gap:2px;margin-left:0}
  .nav.is-open{display:flex}
}

/* sections */
.scr{padding-block:clamp(44px,6vw,86px);border-bottom:1px solid rgba(215,222,232,.7)}
.scr:nth-of-type(even){background:var(--paper)}
.scr-in{display:grid;grid-template-columns:minmax(0,1fr);gap:clamp(20px,3vw,44px);align-items:start;min-width:0}
.lay-A .scr-in{grid-template-columns:minmax(0,1fr)}
.lay-B .scr-in,.lay-E .scr-in{grid-template-columns:minmax(0,55fr) minmax(0,45fr)}
.lay-C .scr-in{grid-template-columns:minmax(0,1fr)}
.lay-D .scr-in{grid-template-columns:minmax(0,52fr) minmax(0,48fr)}
.scr-body{min-width:0}
.scr figure{margin:0;min-width:0}
.scr figure img{border-radius:var(--radius);box-shadow:var(--shadow)}
.kicker{display:inline-block;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2);margin:0 0 14px;font-weight:600}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 0;padding:0;list-style:none}
.chips li{background:rgba(30,58,95,.06);border:1px solid var(--line);border-radius:999px;padding:5px 12px;font-size:.86rem;color:var(--navy)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.btn{display:inline-block;background:var(--gold);color:#171204;text-decoration:none;padding:12px 22px;border-radius:999px;font-weight:600;border:1px solid var(--gold)}
.btn:hover{background:var(--gold-2);color:#fff}
.btn-ghost{display:inline-block;background:transparent;color:var(--navy);text-decoration:none;padding:12px 22px;border-radius:999px;border:1px solid rgba(30,58,95,.35);font-weight:600}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy)}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#eaf0f7;border-bottom:0}
.hero h1{color:#fff;margin-bottom:.35em}
.hero .lead{font-size:clamp(1.02rem,1.35vw,1.2rem);color:#d8e3ef;max-width:46ch}
.hero .kicker{color:#e6c86a}
.hero .chips li{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.22);color:#eaf0f7}
.hero .btn-ghost{color:#eaf0f7;border-color:rgba(255,255,255,.35)}
.hero .btn-ghost:hover{color:#fff;border-color:#fff}
.hero .scr-in{grid-template-columns:minmax(0,56fr) minmax(0,44fr)}
.hero figure img{box-shadow:0 26px 60px rgba(0,0,0,.35)}
@media(max-width:860px){.hero .scr-in{grid-template-columns:minmax(0,1fr)}}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(12px,2vw,20px);margin:22px 0 0;padding:0;list-style:none}
.cards li{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 16px;min-width:0;font-size:.96rem;color:var(--ink)}
.cards li::before{content:"";display:block;width:34px;height:3px;background:var(--gold);margin-bottom:12px;border-radius:2px}
@media(max-width:860px){.cards{grid-template-columns:minmax(0,1fr)}}

/* timeline */
.steps{margin:22px 0 0;padding:0;list-style:none;counter-reset:st}
.steps li{position:relative;padding:0 0 20px 46px;counter-increment:st;border-left:2px solid rgba(201,162,39,.35);margin-left:14px}
.steps li:last-child{border-left-color:transparent;padding-bottom:0}
.steps li::before{content:counter(st);position:absolute;left:-15px;top:-2px;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-size:.82rem;display:grid;place-items:center;font-family:var(--sans)}
.steps strong{display:block;color:var(--navy);margin-bottom:4px}
.steps span{color:var(--muted);font-size:.95rem}

/* panel */
.panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(18px,2.4vw,28px);box-shadow:var(--shadow)}
.panel h3{margin-bottom:10px}
.panel ul{padding-left:1.1em;margin-bottom:0}
.lay-E .panel{background:linear-gradient(180deg,#fff,#fbfcfe)}

/* qa */
.qa{display:grid;gap:10px;margin:20px 0 0}
.qa details{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:14px 18px}
.qa summary{cursor:pointer;font-weight:600;color:var(--navy)}
.qa p{margin:10px 0 0;color:var(--ink)}

/* topics */
.topics{margin:22px 0 0;padding:0}
.topics h3{font-size:1.02rem;color:var(--navy);margin:0 0 10px}
.topics ul{display:grid;gap:8px;margin:0;padding:0;list-style:none}
.topics li{position:relative;padding-left:20px;color:var(--ink);font-size:.97rem;min-width:0}
.topics li::before{content:"";position:absolute;left:0;top:.5em;width:8px;height:8px;border-radius:50%;background:var(--gold)}
.topics strong{color:var(--navy)}

/* related */
.linkgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:22px 0 0;padding:0;list-style:none}
.linkgrid a{display:block;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:14px 16px;text-decoration:none;color:var(--navy);font-size:.96rem}
.linkgrid a:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.linkgrid a::after{content:" ›";color:var(--gold-2)}
@media(max-width:720px){.linkgrid{grid-template-columns:minmax(0,1fr)}}

/* form */
.lead-form{display:grid;gap:10px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(18px,2.4vw,26px);margin-top:22px}
.lead-form label{font-size:.9rem;font-weight:600;color:var(--navy)}
.lead-form input,.lead-form textarea{width:100%;border:1px solid var(--line);border-radius:10px;padding:10px 12px;font:inherit;color:var(--ink);background:#fff;min-width:0}
.lead-form input:focus,.lead-form textarea:focus{outline:2px solid rgba(201,162,39,.45);outline-offset:1px}
.lead-form button{justify-self:start;background:var(--navy);color:#fff;border:0;border-radius:999px;padding:12px 26px;font:inherit;font-weight:600;cursor:pointer}
.lead-form button:hover{background:var(--navy-2)}
.lead-form button:disabled{opacity:.6;cursor:wait}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:.84rem;color:var(--muted);margin:2px 0 0}
.phone-line{margin-top:12px;font-size:.98rem}
.phone-line a{font-weight:600;text-decoration:none}

/* footer */
.site-foot{background:var(--navy-2);color:#c9d5e3;padding-block:clamp(30px,4vw,52px)}
.foot-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr) minmax(0,1fr);gap:clamp(18px,3vw,40px)}
.site-foot h2{color:#fff;font-size:1.05rem;font-family:var(--sans);letter-spacing:.02em;margin-bottom:10px}
.site-foot a{color:#e6eef7;text-decoration:none}
.site-foot a:hover{color:#e6c86a}
.site-foot p{color:#b9c8d9;font-size:.9rem;margin:0 0 .6em}
.foot-links{list-style:none;padding:0;margin:0;display:grid;gap:6px;font-size:.9rem}
.foot-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:26px;padding-top:16px;font-size:.82rem;color:#9fb1c6}
@media(max-width:820px){.foot-grid{grid-template-columns:minmax(0,1fr)}}

/* service policy / structured tables / related note */
.policy-list{list-style:none;padding:0;margin:0;display:grid;gap:8px;font-size:.94rem}
.policy-list li{padding-left:18px;position:relative;color:var(--muted)}
.policy-list li::before{content:"·";position:absolute;left:2px;color:var(--gold);font-weight:700}
.field-table-table,.format-table-table{width:100%;border-collapse:collapse;font-size:.92rem;margin-top:6px}
.field-table-table th,.field-table-table td,.format-table-table th,.format-table-table td{
  border-bottom:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.field-table-table th,.format-table-table th{color:var(--navy);font-weight:600;background:var(--paper)}
.field-table-table td:first-child{color:var(--muted);width:38%}
.related-note{font-size:.92rem;color:var(--muted);margin-top:12px}
.related-note p{margin:0 0 .5em}

/* motion */
.anim{opacity:1;transform:none}
html.js .m-fade .anim{opacity:0}
html.js .m-fade .is-in .anim{opacity:1;transition:opacity .8s ease}
html.js .m-up .anim{opacity:0;transform:translateY(18px)}
html.js .m-up .is-in .anim{opacity:1;transform:none;transition:opacity .8s ease,transform .8s cubic-bezier(.2,.7,.2,1)}
html.js .m-stagger .cards li,html.js .m-stagger .linkgrid li{opacity:0;transform:translateY(14px)}
html.js .m-stagger .is-in .cards li,html.js .m-stagger .is-in .linkgrid li{opacity:1;transform:none;transition:opacity .55s ease,transform .55s ease}
html.js .m-stagger .is-in li:nth-child(2){transition-delay:.09s}
html.js .m-stagger .is-in li:nth-child(3){transition-delay:.18s}
html.js .m-stagger .is-in li:nth-child(4){transition-delay:.27s}
html.js .m-parallax .anim{opacity:0;transform:scale(.965)}
html.js .m-parallax .is-in .anim{opacity:1;transform:none;transition:opacity .9s ease,transform 1.2s cubic-bezier(.2,.7,.2,1)}
html.js .m-line h2::after{content:"";display:block;width:0;height:2px;background:var(--gold);margin-top:12px;transition:width .9s ease}
html.js .m-line .is-in h2::after{width:64px}
html.js .m-count .chips li{opacity:0;transform:translateY(-8px)}
html.js .m-count .is-in .chips li{opacity:1;transform:none;transition:opacity .5s ease,transform .5s ease}
html.js .m-count .is-in .chips li:nth-child(2){transition-delay:.08s}
html.js .m-count .is-in .chips li:nth-child(3){transition-delay:.16s}
html.js .m-count .is-in .chips li:nth-child(4){transition-delay:.24s}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  html.js .anim,html.js .m-fade .anim,html.js .m-up .anim{opacity:1!important;transform:none!important;transition:none!important}
  html.js .m-line h2::after{width:64px;transition:none}
}