@font-face{font-family:'Inter';font-style:normal;font-weight:400 700;font-display:swap;src:url(/fonts/Inter-0.woff2) format('woff2')}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:600 700;font-display:swap;src:url(/fonts/SourceSerif4-1.woff2) format('woff2')}
:root{
  --navy:#0B2452; --navy-2:#071a3d; --forest:#1c3f73; --forest-2:#163563;
  --gold:#c9a35e; --gold-2:#b08a45; --cream:#f7f3ec; --paper:#fffdf9;
  --ink:#1d2731; --muted:#5a6672; --line:#e4ddd0;
  --radius:14px; --shadow:0 10px 30px rgba(20,50,74,.10);
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--forest)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.3rem);font-weight:700}
h2{font-size:clamp(1.7rem,3vw,2.3rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{width:min(1140px,92%);margin:0 auto}
.narrow{max-width:760px}
.center{text-align:center}
.lead{font-size:1.15rem;color:var(--muted)}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--forest);margin-bottom:.6rem}
.section{padding:88px 0}
.section-alt{background:var(--cream)}
.section-head{max-width:720px;margin:0 auto 48px;text-align:center}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:100}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;padding:.85em 1.4em;border-radius:999px;font-weight:600;text-decoration:none;font-size:1rem;border:2px solid transparent;transition:.2s;cursor:pointer;font-family:inherit}
.btn-primary{background:var(--gold);color:var(--navy-2)}
.btn-primary:hover{background:var(--gold-2)}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,253,249,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand-mark{width:42px;height:42px}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-family:var(--serif);font-weight:700;font-size:1.15rem}
.brand-sub{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
#site-nav ul{list-style:none;display:flex;gap:26px;margin:0;padding:0;align-items:center}
#site-nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
#site-nav a:hover{color:var(--forest)}
#site-nav .btn{color:var(--navy-2);padding:.6em 1.1em}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}

/* Hero */
.hero{position:relative;background:linear-gradient(135deg,var(--navy-2) 0%,var(--navy) 55%,#163a6b 100%);color:#e8eef3;overflow:hidden}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center;padding:96px 0 120px}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--gold)}
.hero .lead{color:#c9d6e0;max-width:560px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 26px}
.hero-points{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px 24px;font-size:.95rem;color:#c9d6e0}
.hero-points li{display:flex;align-items:center;gap:8px}
.hero-points svg{width:18px;height:18px;color:var(--gold);flex:none}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:30px;backdrop-filter:blur(4px)}
.hero-card h2{color:#fff;font-size:1.3rem}
.hero-card ul{list-style:none;padding:0;margin:0 0 20px}
.hero-card li{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:.97rem}
.hero-card li:last-child{border:0}
.hero-card svg{width:22px;height:22px;color:var(--gold);flex:none;margin-top:2px}
.hero-mountains{position:absolute;left:0;right:0;bottom:-1px;z-index:1;width:100%;height:auto}

/* Services */
.grid{display:grid;gap:24px}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 1px 0 rgba(0,0,0,.02);transition:.2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card p{color:var(--muted);font-size:.96rem;margin:0}
.icon{width:48px;height:48px;border-radius:12px;background:#eef1f7;color:var(--forest);display:grid;place-items:center;margin-bottom:16px}
.icon svg{width:26px;height:26px}
.forms-strip{margin-top:44px;background:var(--navy);color:#dbe5ec;border-radius:var(--radius);padding:26px 30px;display:flex;gap:24px;align-items:center;flex-wrap:wrap}
.forms-strip strong{color:#fff;font-family:var(--serif);font-size:1.1rem}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:4px 12px;border-radius:999px;font-size:.85rem;color:#fff}

/* About */
.about{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center}
.portrait{aspect-ratio:4/5;border-radius:var(--radius);background:linear-gradient(160deg,var(--forest) 0%,var(--navy) 100%);position:relative;overflow:hidden;box-shadow:var(--shadow);display:flex;align-items:flex-end}
.portrait svg.ph{position:absolute;inset:0;width:100%;height:100%}
.portrait .tag{position:relative;margin:22px;background:var(--paper);border-radius:10px;padding:14px 18px;box-shadow:var(--shadow)}
.portrait .tag b{display:block;font-family:var(--serif);color:var(--navy);font-size:1.1rem}
.portrait .tag span{font-size:.85rem;color:var(--muted)}
.checklist{list-style:none;padding:0;margin:22px 0 28px;display:grid;grid-template-columns:1fr 1fr;gap:12px 24px}
.checklist li{display:flex;gap:10px;font-size:.97rem}
.checklist svg{width:20px;height:20px;color:var(--forest);flex:none;margin-top:3px}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.step{position:relative;background:#fff;border-radius:var(--radius);padding:30px 24px 26px;border:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:24px;width:38px;height:38px;border-radius:50%;background:var(--gold);color:var(--navy-2);font-weight:700;display:grid;place-items:center;font-family:var(--serif);font-size:1.1rem}
.step h3{margin-top:8px}
.step p{color:var(--muted);font-size:.95rem;margin:0}
.secure-note{margin:40px auto 0;max-width:820px;display:flex;gap:16px;align-items:flex-start;background:#fff;border-left:4px solid var(--forest);padding:18px 22px;border-radius:8px;font-size:.95rem;color:var(--muted)}
.secure-note svg{width:28px;height:28px;color:var(--forest);flex:none}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;list-style:none;padding:18px 0;font-weight:600;color:var(--navy);display:flex;justify-content:space-between;gap:16px;font-size:1.03rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--forest);transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details>div{padding:0 0 18px;color:var(--muted)}
.faq ul{margin:.3em 0 1em;padding-left:1.2em}

/* Contact */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.contact-info{background:var(--navy);color:#dbe5ec;border-radius:var(--radius);padding:36px}
.contact-info h2,.contact-info h3{color:#fff}
.contact-line{display:flex;gap:14px;align-items:center;margin:18px 0}
.contact-line svg{width:22px;height:22px;color:var(--gold);flex:none}
.contact-line a,.contact-line span{color:#fff;text-decoration:none;font-weight:500}
.placeholder-note{font-size:.8rem;color:#9fb2c2}
form.contact-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.field{display:flex;flex-direction:column;margin-bottom:16px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--navy)}
input,select,textarea{font:inherit;padding:12px 14px;border:1px solid #cfc7b8;border-radius:10px;background:var(--paper);color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(47,107,79,.25);border-color:var(--forest)}
textarea{min-height:130px;resize:vertical}
.form-note{font-size:.82rem;color:var(--muted);margin-top:12px}
.hidden{display:none}

/* Footer */
.site-footer{background:var(--navy-2);color:#9fb2c2;padding:56px 0 30px;font-size:.92rem}
.footer-top{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.1)}
.site-footer .brand{color:#fff}.site-footer .brand-sub{color:#9fb2c2}
.site-footer a{color:#dbe5ec;text-decoration:none}
.footer-links{display:flex;gap:22px;flex-wrap:wrap;align-items:center}
.disclaimer{font-size:.8rem;line-height:1.6;margin:24px 0 10px;color:#a9b9c7}
.copy{font-size:.8rem;color:#a9b9c7}

/* Responsive */
@media (max-width:1000px){
  .grid-4,.steps{grid-template-columns:repeat(2,1fr)}
  .hero .container{grid-template-columns:1fr;padding:72px 0 110px}
  .about,.contact{grid-template-columns:1fr}
  .portrait{max-width:420px;aspect-ratio:5/4}
}
@media (max-width:820px){
  .nav-toggle{display:block}
  #site-nav{position:absolute;top:72px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);display:none}
  #site-nav.open{display:block}
  #site-nav ul{flex-direction:column;align-items:stretch;gap:0;padding:8px 4%}
  #site-nav li a{display:block;padding:14px 0;border-bottom:1px solid var(--line)}
  #site-nav li:last-child a{border:0;margin:12px 0;justify-content:center}
}
@media (max-width:600px){
  body{font-size:16px}
  .section{padding:64px 0}
  .grid-4,.grid-3,.steps,.checklist,.row{grid-template-columns:1fr}
  .steps{gap:34px}
  .hero-actions .btn{flex:1 1 100%;justify-content:center}
  .forms-strip{padding:22px}
  form.contact-form,.contact-info{padding:24px}
  .brand-sub{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* Nav dropdown */
#site-nav .has-sub{position:relative}
#site-nav .sub{display:none;position:absolute;top:100%;left:-14px;min-width:240px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px 0;flex-direction:column;align-items:stretch;gap:0;z-index:60}
#site-nav .sub a{display:block;padding:10px 18px}
#site-nav .has-sub:hover .sub,#site-nav .has-sub:focus-within .sub{display:flex}
/* Team */
.member{text-align:center}
.member .role{font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:var(--forest);font-weight:600;margin:-.2em 0 .8em}
.avatar{width:84px;height:84px;border-radius:50%;margin:0 auto 18px;display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.7rem;letter-spacing:.04em}
.avatar-navy{background:var(--navy);color:var(--gold)}
.avatar-green{background:var(--forest);color:#fff}
.avatar-outline{background:transparent;border:2px dashed #b9ad97;color:var(--muted)}
.member-more{background:var(--cream);box-shadow:none}
.attest-note{max-width:820px;margin:28px auto 0;text-align:center;font-size:.9rem;color:var(--muted)}
/* Tools */
.tool-link{text-decoration:none;color:inherit;display:block}
.tool-link h3{color:var(--navy)}
.tool{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.tool-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.tool-disclaimer{background:#fff7e6;border-left:4px solid var(--gold-2);border-radius:8px;padding:14px 18px;font-size:.92rem;color:#4a3c1f}
.center-block{max-width:820px;margin:32px auto 0}
.tool-source{font-size:.85rem;color:var(--muted)}
.help{display:block;font-size:.82rem;color:var(--muted);margin-top:6px}
.tool-result:empty{display:none}
.tool-result{margin-top:24px}
.tool-error{color:#8a1f11;font-weight:600}
.result-head{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;border-radius:12px;padding:16px 20px;margin-bottom:16px}
.result-head strong{font-family:var(--serif);font-size:1.9rem}
.result-head.good{background:#e8f1ec;color:#1d4a35}
.result-head.owe{background:#fbeaea;color:#7a1d14}
.breakdown{width:100%;border-collapse:collapse;font-size:.95rem}
.breakdown th{text-align:left;font-weight:500;color:var(--ink);padding:8px 0;border-bottom:1px solid var(--line)}
.breakdown td{text-align:right;padding:8px 0;border-bottom:1px solid var(--line);white-space:nowrap;padding-left:12px}
.breakdown tr.total th,.breakdown tr.total td{font-weight:700}
.code-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.chip-btn{font:inherit;font-size:.85rem;padding:6px 12px;border-radius:999px;border:1px solid #cfc7b8;background:var(--paper);color:var(--navy);cursor:pointer;min-height:36px}
.chip-btn:hover,.chip-btn:focus{border-color:var(--forest);color:var(--forest)}
.notice-card h3{margin:0}
.notice-card h4{font-family:var(--sans);font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--forest);margin:18px 0 4px}
.notice-card ul{margin:.2em 0 1em;padding-left:1.2em}
.notice-top{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;flex-wrap:wrap}
.urg{font-size:.78rem;font-weight:700;padding:4px 10px;border-radius:999px;white-space:nowrap}
.urg-low{background:#e8f1ec;color:#1d4a35}.urg-medium{background:#fff1d6;color:#6b4a0c}.urg-high{background:#fde3d6;color:#7a2e0c}.urg-urgent{background:#7a1d14;color:#fff}
.notice-cta{margin-top:18px;background:var(--cream);border-radius:12px;padding:16px 18px;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap}
.notice-cta p{margin:0}
.page-hero{background:linear-gradient(135deg,var(--navy-2) 0%,var(--navy) 60%,#163a6b 100%);color:#e8eef3;padding:64px 0 56px}
.page-hero h1{color:#fff;margin-bottom:.3em}
.page-hero .eyebrow{color:var(--gold)}
.page-hero p{color:#c9d6e0;max-width:720px;margin:0}
.crumbs{font-size:.85rem;margin-bottom:14px}
.crumbs a{color:#c9d6e0}
.prose{max-width:780px}
.prose h2{font-size:1.5rem;margin-top:1.6em}
.prose ul{padding-left:1.2em}
.cta-band{background:var(--cream);border-radius:var(--radius);padding:28px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;margin-top:40px}
.cta-band p{margin:0}
.footer-legal{font-size:.82rem;color:#a9b9c7;margin:18px 0 0}
.footer-legal a{text-decoration:underline}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
@media (max-width:1000px){.tool{grid-template-columns:1fr}}
@media (max-width:820px){
  #site-nav .sub{display:flex;position:static;box-shadow:none;border:0;padding:0 0 0 16px;min-width:0;background:transparent}
  #site-nav .sub a{padding:12px 0}
}
@media (max-width:600px){.tool-form{padding:22px}.result-head strong{font-size:1.6rem}}
.brand-logo{height:46px;width:auto}
.footer-brand img{height:54px;width:auto;margin-bottom:10px}
.footer-brand p{margin:0;font-size:.85rem;color:#c3d0db}
.avatar-green{background:var(--gold-2);color:var(--navy-2)}
@media (max-width:600px){.brand-logo{height:38px}}
.contact-info .eyebrow{color:var(--gold)}
.site-footer .copy a,.site-footer .disclaimer a{text-decoration:underline}
.about-quote{margin:22px 0;padding:18px 22px;border-left:4px solid var(--gold-2);background:#fff;border-radius:8px}
.about-quote p{font-family:var(--serif);font-size:1.12rem;color:var(--navy);margin:0 0 8px}
.about-quote cite{font-style:normal;font-size:.85rem;color:var(--muted);font-weight:600}
.highlights-title{font-size:1.05rem;margin:24px 0 0}
.highlights{margin-top:12px}
.about{align-items:start}
.systems-callout{margin:24px 0;padding:18px 22px;background:var(--navy);color:#fff;border-radius:10px}
.systems-callout h3{color:var(--gold);font-size:1.05rem;margin:0 0 8px}
.systems-callout p{color:#E8ECF4;margin:0}
.grid-2{grid-template-columns:repeat(2,1fr)}
.svc-card h3{font-size:1.25rem}
.svc-by{color:var(--gold-2)!important;font-weight:600;font-size:.9rem!important;margin:-4px 0 8px!important}
.svc-list{margin:14px 0 0;padding-left:1.1em;color:var(--ink,#1f2a3a);font-size:.95rem;line-height:1.6}
.layers{margin:28px 0 8px;padding:22px 24px;background:var(--navy);color:#fff;border-radius:12px}
.layers h3{color:var(--gold);margin:0 0 12px;font-size:1.1rem}
.layers ol{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:l}
.layers li{counter-increment:l}
.layers li b{display:block;color:#fff;font-size:1rem;margin-bottom:4px}
.layers li b::before{content:counter(l) ". ";color:var(--gold)}
.layers li span{color:#E8ECF4;font-size:.93rem}
.owners{background:var(--cream)}
.owners-intro{display:grid;grid-template-columns:1fr 1.4fr;gap:24px;margin-bottom:28px}
.owners-problem,.owners-solution{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 24px}
.owners-problem h3,.owners-solution h3{margin:0 0 10px;font-size:1.1rem}
.owners-problem ul{margin:0;padding-left:1.1em;color:var(--muted)}
.owners-problem li{margin:6px 0}
.owners-solution p{margin:0;color:var(--muted)}
.owners-cta{text-align:center;margin-top:24px}
@media (max-width:800px){.grid-2,.owners-intro,.layers ol{grid-template-columns:1fr}}