:root{
  --ink:#0f1f33;
  --ink-soft:#1a5fa8;
  --ivory:#f4f7fb;
  --ivory-dim:#ffffff;
  --champagne:#e8a020;
  --champagne-dim:#1a5fa8;
  --sage:#64748b;
  --slate:#334155;
  --hairline-d:rgba(244,247,251,.14);
  --hairline-l:rgba(15,31,51,.14);
  --max:1240px;
  --pad:clamp(24px,5vw,64px);
  --body:system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --display:var(--body);
  --mono:"SF Mono", SFMono-Regular, ui-monospace, Menlo, Consolas, "Liberation Mono", monospace;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  font-family:var(--body);font-weight:400;
  background:linear-gradient(135deg, #e0f2fe 0%, #1e3a8a 100%);
  background-attachment:fixed;
  color:var(--ink);
  font-size:18px;line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
::selection{background:var(--champagne);color:var(--ink)}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{
  width: calc(100% - 32px);
  max-width: var(--max);
  margin: 24px auto;
  padding: 48px clamp(24px, 5vw, 48px);
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-radius: 24px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.1);
  border: 1px solid rgba(255, 255, 255, 0.8);
}

/* ---------- type utilities ---------- */
.eyebrow{
  font-family:var(--body);font-weight:600;font-size:.85rem;
  text-transform:uppercase;letter-spacing:.05em;
  display:flex;align-items:center;gap:10px;
  color:var(--champagne);
}
.display{
  font-family:var(--body);font-weight:700;letter-spacing:-.02em;line-height:1.1;
}
.display em{font-style:normal;}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:12px;
  font-family:var(--body);font-weight:700;font-size:1.1rem;
  text-decoration:none;
  padding:16px 32px;border:none;border-radius:9999px;cursor:pointer;
  background:var(--champagne);color:var(--ink);
  transition:all .2s ease;
  width:max-content;
}
.btn .arr{transition:transform .2s ease}
.btn:hover{
  background:#d09018; /* darkened gold */
  transform:translateY(-2px);
  box-shadow:0 4px 12px rgba(0,0,0,0.1);
}
.btn:hover .arr{transform:translateX(5px)}
.btn:focus-visible,a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:2px solid var(--champagne);outline-offset:3px;
}

.btn-secondary {
  background: rgba(255,255,255,0.9);
  border: 1px solid var(--champagne);
  color: var(--ink);
}
.btn-secondary:hover {
  background: white;
  border-color: #d09018;
}
.btn-phone-header {
  padding: 10px 20px;
  font-size: 0.9rem;
}
@media(max-width:560px){
  .btn {width: 100%;}
  .trust-row {flex-direction: column; gap: 8px !important;}
}
@media(max-width:390px){
  .btn-phone-header { padding: 8px 12px; font-size: 0.8rem; }
  .wordmark b { font-size: 1.1rem; }
  .wordmark span { font-size: 0.7rem; }
  .nav-inner { gap: 8px; padding-left: 12px; padding-right: 12px; }
}
@media(min-width:561px){
  .hero-ctas {flex-direction: row !important;}
}

/* ---------- nav ---------- */
.nav{
  position:sticky;top:0;left:0;right:0;z-index:100;
  transition:background .35s ease,border-color .35s ease,padding .35s ease;
  border-bottom:1px solid transparent;
  background:rgba(255,255,255,.75);
  backdrop-filter:blur(24px);
  -webkit-backdrop-filter:blur(24px);
  border-color:var(--hairline-l);
  color:var(--ink);
  box-shadow: 0 4px 12px rgba(0,0,0,0.05);
}
.nav-inner{
  max-width:var(--max);margin:0 auto;padding:22px var(--pad);
  display:flex;align-items:center;justify-content:space-between;gap:20px;
  transition:padding .35s ease;
}
.nav.scrolled .nav-inner{padding-top:14px;padding-bottom:14px}
.wordmark{text-decoration:none;line-height:1.15;color:var(--ink)}
.wordmark b{font-family:var(--body);font-weight:700;font-size:1.4rem;letter-spacing:-.02em;display:block}
.wordmark span{font-family:var(--body);font-size:.8rem;font-weight:500;opacity:.7}
.nav-links{display:flex;gap:36px;align-items:center}
.nav-links a:not(.btn){
  text-decoration:none;font-size:.78rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase;
  position:relative;padding:4px 0;
}
.nav-links a:not(.btn)::after{
  content:"";position:absolute;left:0;bottom:0;height:1px;width:0;
  background:var(--champagne);transition:width .3s ease;
}
.nav-links a:not(.btn):hover::after{width:100%}
.nav .btn{padding:11px 22px;font-size:.7rem}
@media(max-width:900px){.nav-links a:not(.btn){display:none}}

/* ---------- hero ---------- */
.hero{
  background:transparent;color:var(--ink);
  padding:80px 0 0;position:relative;overflow:hidden;
}
.hero::before{ /* faint radial atmosphere */
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 70% 55% at 78% 30%,rgba(63,174,129,.08),transparent 60%);
}
.hero-grid{
  display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(32px,5vw,72px);
  align-items:end;position:relative;
}
.hero-copy{padding-bottom:clamp(56px,7vw,96px)}
.hero .eyebrow{color:var(--champagne);margin-bottom:34px}
.hero h1{
  font-size:clamp(2.9rem,6vw,5.1rem);margin-bottom:30px;color:var(--ink);
}
.hero h1 em{color:var(--champagne)}
.hero .lede{
  color:var(--sage);font-size:1.06rem;font-weight:300;max-width:33em;margin-bottom:44px;
}
.hero .lede strong{color:var(--ink);font-weight:400}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap}

.hero-visual{position:relative;align-self:end;justify-self:center;width:min(430px,100%)}
.hero-portrait{
  position:relative;border-radius:24px;overflow:hidden;
  background:var(--ivory-dim);
}
.hero-portrait img{
  width:100%;height:auto;
}
.hero-portrait::after{ 
  display:none;
}
.keyline{ 
  display:none;
}
.hero-plate{
  position:absolute;left:-26px;bottom:38px;
  background:var(--ivory-dim);border:1px solid var(--hairline-l);
  padding:16px 22px;line-height:1.45;
}
.hero-plate .mono{font-family:var(--mono);font-size:.6rem;letter-spacing:.26em;text-transform:uppercase;color:var(--champagne);display:block;margin-bottom:4px}
.hero-plate b{font-family:var(--display);font-weight:400;font-size:1.02rem;display:block}
.hero-plate span{font-size:.78rem;color:var(--sage)}


@media(max-width:980px){
  .hero{padding-top:72px}
  .hero-grid{grid-template-columns:1fr}
  .hero-visual{order:-1;width:min(320px,78%)}
  .hero-copy{padding-bottom:40px}

  .hero-plate{left:-10px}
}

/* ---------- carrier marquee ---------- */
.carriers{
  background:transparent;
  padding:24px 0 32px;overflow:hidden;
}
.carriers-head{
  display:flex;justify-content:space-between;align-items:baseline;gap:20px;
  margin-bottom:34px;flex-wrap:wrap;
}
.carriers-head .eyebrow{color:var(--champagne-dim)}
.carriers-head .note{font-family:var(--mono);font-size:.62rem;letter-spacing:.18em;text-transform:uppercase;color:var(--slate);opacity:.7}
.marquee{
  position:relative;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
}
.marquee-track{
  display:flex;align-items:center;gap:0;width:max-content;
  animation:marquee 30s linear infinite;
}
.carrier{
  display:flex;align-items:center;gap:12px;flex-shrink:0;
}
.carrier img{
  height:32px;max-height:32px;width:auto;
  object-fit:contain;
}
.carrier .dia{
  margin:0 clamp(24px,3.5vw,44px);width:5px;height:5px;background:var(--champagne-dim);
  transform:rotate(45deg);opacity:.55;flex-shrink:0;
}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){
  .marquee-track{animation:none;width:auto;flex-wrap:wrap;row-gap:18px;justify-content:center}
  .marquee{-webkit-mask-image:none;mask-image:none}
  .marquee-track > .half:nth-child(2){display:none}
}
.marquee-track > .half{display:flex;align-items:center}
@media(max-width:560px){
  .carriers{padding:16px 0 24px}
  .carriers-head{margin-bottom:20px}
  .carrier b{font-size:1rem}
  .carrier img{height:24px;max-height:24px}
  .carrier .dia{margin:0 16px}
}

/* ---------- sections shared ---------- */
section{padding:clamp(24px,5vw,48px) 16px;}
.sec-head{display:grid;grid-template-columns:auto 1fr;gap:clamp(24px,4vw,72px);align-items:start;margin-bottom:clamp(48px,6vw,84px)}
.sec-head .eyebrow{color:var(--champagne-dim);padding-top:14px;white-space:nowrap}
.sec-head h2{font-size:clamp(2rem,3.8vw,3.1rem);max-width:14em}
.sec-head .sub{margin-top:18px;color:var(--slate);max-width:36em;font-size:1rem}
@media(max-width:760px){.sec-head{grid-template-columns:1fr;gap:18px}}

/* ---------- coverage grid ---------- */
.index{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.row{
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 32px;
  background: white;
  border-radius: 12px;
  border: 1px solid var(--hairline-l);
  text-decoration: none;
  transition: transform .25s ease, box-shadow .25s ease;
}
.row:hover{
  transform: translateY(-4px);
  box-shadow: 0 12px 24px rgba(0,0,0,0.05);
}
.row h3{
  font-family:var(--body);font-weight:700;font-size:1.35rem;letter-spacing:-.01em;
  color: var(--ink);
  margin: 0;
}
.row p{
  font-size:1rem;color:var(--slate);margin:0;line-height:1.5;
}
@media(max-width:768px){
  .index{grid-template-columns: 1fr;}
  .row{padding: 24px;}
}

/* ---------- philosophy band ---------- */
.band{background:transparent;color:var(--ink);position:relative;overflow:hidden}
.band::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(ellipse 60% 60% at 18% 80%,rgba(63,174,129,.07),transparent 60%);
  pointer-events:none;
}
.band .sec-head .eyebrow{color:var(--champagne)}
.band .sec-head h2{color:var(--ink)}
.principles{display:grid;grid-template-columns:repeat(3,1fr);position:relative}
.principle{padding:8px 40px 8px 0;border-right:1px solid var(--hairline-d)}
.principle:last-child{border-right:none}
.principle+.principle{padding-left:40px}
.principle .p-num{
  font-family:var(--display);font-style:italic;font-weight:400;font-size:2rem;
  color:var(--champagne);display:block;margin-bottom:18px;line-height:1;
}
.principle h3{font-family:var(--display);font-weight:400;font-size:1.28rem;margin-bottom:12px;color:var(--ink)}
.principle p{font-size:.94rem;color:var(--sage)}
@media(max-width:860px){
  .principles{grid-template-columns:1fr}
  .principle{border-right:none;border-bottom:1px solid var(--hairline-l);padding:28px 0}
  .principle+.principle{padding-left:0}
  .principle:last-child{border-bottom:none}
}

/* ---------- process ---------- */
.phases{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--hairline-l)}
.phase{
  border-right:1px solid var(--hairline-l);padding:38px 30px 10px 0;position:relative;
}
.phase:last-child{border-right:none}
.phase+.phase{padding-left:30px}
.phase .ph-tag{
  font-family:var(--mono);font-size:.62rem;letter-spacing:.24em;text-transform:uppercase;
  color:var(--champagne-dim);display:block;margin-bottom:22px;
}
.phase h3{font-family:var(--display);font-weight:400;font-size:1.3rem;margin-bottom:12px}
.phase p{font-size:.92rem;color:var(--slate)}
.phase .dur{font-family:var(--mono);font-size:.66rem;letter-spacing:.14em;color:var(--champagne-dim);display:block;margin-top:18px}
@media(max-width:900px){
  .phases{grid-template-columns:1fr 1fr}
  .phase:nth-child(2){border-right:none}
  .phase:nth-child(3){border-top:1px solid var(--hairline-l);padding-left:0}
  .phase:nth-child(4){border-top:1px solid var(--hairline-l)}
}
@media(max-width:560px){
  .phases{grid-template-columns:1fr}
  .phase{border-right:none;border-bottom:1px solid var(--hairline-l);padding:28px 0}
  .phase:last-child{border-bottom:none}
  .phase+.phase{padding-left:0}
}

/* ---------- about ---------- */
.about{background:var(--ivory-dim)}
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(40px,6vw,90px);align-items:center}
.about-visual{position:relative;justify-self:center;width:min(360px,100%)}
.about-portrait{
  border-radius:24px;overflow:hidden;background:var(--ivory-dim);position:relative;
}
.about-portrait img{width:100%;height:auto;filter:sepia(0.2) grayscale(0.5) contrast(1.05);}
.about-portrait::after{
  display:none;
}
.about-visual .keyline{display:none;}
.about-copy .eyebrow{color:var(--champagne-dim);margin-bottom:26px}
.about-copy h2{font-size:clamp(2rem,3.4vw,2.8rem);margin-bottom:26px}
.about-copy p{color:var(--slate);margin-bottom:18px;max-width:36em}
.about-copy p strong{color:var(--ink);font-weight:500}
.cred-list{margin-top:36px;border-top:1px solid var(--hairline-l)}
.cred-row{
  display:flex;justify-content:space-between;gap:20px;align-items:baseline;
  padding:15px 0;border-bottom:1px solid var(--hairline-l);
}
.cred-row span{font-family:var(--mono);font-size:.64rem;letter-spacing:.2em;text-transform:uppercase;color:var(--champagne-dim)}
.cred-row b{font-weight:500;font-size:.92rem;text-align:right}
@media(max-width:860px){.about-grid{grid-template-columns:1fr}}

/* ---------- testimonials ---------- */
.testimony{background:transparent;color:var(--ink)}
.t-stage{max-width:900px;margin:0 auto;text-align:center;position:relative;min-height:330px}
.t-mark{
  font-family:var(--display);font-style:italic;font-size:4.5rem;color:var(--champagne);
  line-height:0;display:block;margin-bottom:44px;
}
.t-slide{position:absolute;inset:0;opacity:0;transition:opacity .7s ease;pointer-events:none;padding-top:60px}
.t-slide.active{opacity:1;pointer-events:auto}
.t-slide blockquote p{
  font-family:var(--display);font-weight:400;font-size:clamp(1.7rem,2.6vw,2.3rem);
  line-height:1.4;letter-spacing:-.01em;color:var(--ink);margin-bottom:36px;
}
.t-slide footer{font-family:var(--mono);font-size:.66rem;letter-spacing:.24em;text-transform:uppercase;color:var(--sage)}
.t-slide footer b{color:var(--champagne);font-weight:400;display:block;margin-bottom:6px}
.t-dots{display:flex;gap:14px;justify-content:center;margin-top:54px}
.t-dot{
  width:34px;height:2px;background:var(--hairline-l);border:none;cursor:pointer;padding:0;
  transition:background .3s ease;
}
.t-dot.active{background:var(--champagne)}
.t-dot:hover{background:var(--sage)}

/* ---------- FAQ ---------- */
.faq-grid{display:grid;grid-template-columns:auto 1fr;gap:clamp(24px,4vw,72px)}
.faq-grid .eyebrow{color:var(--champagne-dim);padding-top:14px;white-space:nowrap}
.faq{border-top:1px solid var(--hairline-l)}
details{border-bottom:1px solid var(--hairline-l)}
summary{
  cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:baseline;gap:24px;
  padding:26px 4px;font-family:var(--display);font-weight:400;font-size:1.18rem;letter-spacing:-.01em;
}
summary::-webkit-details-marker{display:none}
summary .pm{font-family:var(--mono);color:var(--champagne-dim);font-size:1rem;transition:transform .25s ease;flex-shrink:0}
details[open] summary .pm{transform:rotate(45deg)}
details .a{padding:0 4px 28px;color:var(--slate);font-size:.96rem;max-width:56ch}
@media(max-width:760px){.faq-grid{grid-template-columns:1fr;gap:18px}}

/* ---------- consultation ---------- */
.consult{background:transparent;color:var(--ink)}
.consult-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(48px,6vw,100px);align-items:start}
.consult .eyebrow{color:var(--champagne);margin-bottom:30px}
.consult h2{font-size:clamp(2.1rem,4vw,3.2rem);color:var(--ink);margin-bottom:24px}
.consult .lede{color:var(--sage);max-width:30em;margin-bottom:44px}
.contact-rows{border-top:1px solid var(--hairline-l)}
.c-row{
  display:flex;justify-content:space-between;gap:24px;align-items:baseline;
  padding:17px 0;border-bottom:1px solid var(--hairline-l);
}
.c-row span{font-family:var(--mono);font-size:.62rem;letter-spacing:.24em;text-transform:uppercase;color:var(--sage)}
.c-row a,.c-row b{font-weight:400;font-size:.95rem;color:var(--ink);text-decoration:none;text-align:right}
.c-row a{border-bottom:1px solid var(--hairline-l);transition:border-color .25s ease}
.c-row a:hover{border-color:var(--champagne)}

.form-card{border:1px solid var(--hairline-l);padding:clamp(30px,4vw,48px)}
.form-card h3{font-family:var(--display);font-weight:400;font-size:1.5rem;margin-bottom:8px;color:var(--ink)}
.form-card .sub{font-size:.85rem;color:var(--sage);margin-bottom:34px}
.f-field{margin-bottom:24px}
.f-field label{
  display:block;font-family:var(--mono);font-size:.6rem;letter-spacing:.24em;text-transform:uppercase;
  color:var(--sage);margin-bottom:10px;
}
.f-field input,.f-field select,.f-field textarea{
  width:100%;background:transparent;border:none;border-bottom:1px solid var(--hairline-l);
  padding:10px 2px 12px;font-family:var(--body);font-weight:300;font-size:1rem;color:var(--ink);
  transition:border-color .25s ease;border-radius:0;
}
.f-field select{appearance:none;cursor:pointer}
.f-field select option{color:var(--ink)}
.f-field input::placeholder,.f-field textarea::placeholder{color:#5B665F}
.f-field input:focus,.f-field select:focus,.f-field textarea:focus{outline:none;border-color:var(--champagne)}
.f-field.err input{border-color:#B3402A}
.form-card .btn{width:100%;justify-content:center;margin-top:10px}
.form-note{font-family:var(--mono);font-size:.6rem;letter-spacing:.18em;text-transform:uppercase;color:var(--sage);margin-top:20px;text-align:center}
.form-done{display:none;text-align:center;padding:70px 10px}
.form-done .rule{width:34px;height:1px;background:var(--champagne);margin:0 auto 26px}
.form-done h3{font-family:var(--display);font-weight:400;font-size:1.5rem;color:var(--ink);margin-bottom:12px}
.form-done p{color:var(--sage);font-size:.95rem;max-width:26em;margin:0 auto}
.form-done a{color:var(--ink)}
/* inline form error message */
.form-error{display:none;text-align:center;padding:18px 10px}
.form-error p{color:#B3402A;font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase}
@media(max-width:880px){.consult-grid{grid-template-columns:1fr}}

/* ---------- footer ---------- */
footer.site{background:var(--ivory-dim);color:var(--slate);border-top:1px solid var(--hairline-l);padding:64px 0 44px;font-size:.85rem}
.foot-top{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;margin-bottom:48px}
.foot-top .wordmark b{color:var(--ink)}
footer.site nav{display:flex;gap:28px;flex-wrap:wrap}
footer.site nav a{text-decoration:none;font-size:.72rem;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--sage)}
footer.site nav a:hover{color:var(--champagne)}
.foot-legal{border-top:1px solid var(--hairline-l);padding-top:26px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.foot-legal p{font-size:.72rem;max-width:74ch;line-height:1.7}
.foot-legal .mono{font-family:var(--mono);font-size:.6rem;letter-spacing:.2em;text-transform:uppercase}

/* ---------- reveal ---------- */
.rv{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.2,.6,.2,1),transform .8s cubic-bezier(.2,.6,.2,1)}
.rv.in{opacity:1;transform:none}
.rv-d1{transition-delay:.08s}.rv-d2{transition-delay:.16s}.rv-d3{transition-delay:.24s}.rv-d4{transition-delay:.32s}
@media(prefers-reduced-motion:reduce){
  .rv{opacity:1;transform:none;transition:none}
  .t-slide{transition:none}
}