:root{--ground:#F5F1E8;--panel:#EFE9DB;--card:#FFFFFF;--rule:#DDD5C3;--rule-2:#B9AF99;--ink:#15233B;--ink-soft:#364154;--ink-mute:#4A5468;--accent:#8C5A1E;--gold:#E0B878;--deep:#15233B;--on-deep:#F5F1E8;--on-deep-soft:#D6DBE5;--on-deep-mute:#C9CFDB;--deep-rule:#34435F;--field:#FBF9F4}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ground);color:var(--ink);font-family:'Instrument Sans',Helvetica,Arial,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
a:hover{color:var(--accent)}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{font-family:Fraunces,Georgia,serif;font-weight:500;margin:0;letter-spacing:-.02em;text-wrap:balance}
p{margin:0}
input,textarea,button{font-family:inherit;font-size:16px}
.wrap{max-width:1248px;margin:0 auto;padding-inline:clamp(20px,6vw,96px)}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--accent)}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--deep);color:var(--on-deep);padding:18px 28px;border-radius:4px;font-size:17px;font-weight:600;min-height:48px}
.btn:hover{background:#22365A;color:var(--on-deep)}
.btn.gold{background:var(--gold);color:var(--deep)}
.btn.gold:hover{background:#E8C68E;color:var(--deep)}
.link{font-weight:600;border-bottom:2px solid var(--accent);padding-bottom:3px;display:inline-block}
.link:hover{color:var(--accent)}
.muted{color:var(--ink-soft)}

/* nav */
header.top{border-bottom:1px solid var(--rule);background:var(--ground);position:sticky;top:0;z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:80px;gap:16px}
.brand{display:flex;align-items:baseline;gap:10px;white-space:nowrap}
.brand b{font-family:Fraunces,Georgia,serif;font-size:26px;font-weight:600;letter-spacing:-.5px}
.brand span{font-size:13px;color:var(--ink-mute)}
nav.main{display:flex;align-items:center;gap:24px;font-size:15px;font-weight:500;white-space:nowrap}
nav.main .btn{padding:12px 20px;font-size:15px;min-height:44px}
.menu-btn{display:none;background:none;border:1px solid var(--rule-2);border-radius:4px;padding:10px 12px;font-weight:600;cursor:pointer;color:var(--ink)}
@media (max-width:1180px){.brand span{display:none}}
@media (max-width:960px){
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--ground);border-bottom:1px solid var(--rule);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px}
  nav.main a{padding:14px 0;border-bottom:1px solid var(--rule)}
  nav.main .btn{margin-top:16px;justify-content:center}
  nav.main.open{display:flex}
  .menu-btn{display:block}
}

/* hero */
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:clamp(32px,6vw,80px);padding-block:clamp(48px,7vw,88px) clamp(48px,7vw,88px);align-items:center}
.hero-text{display:flex;flex-direction:column;gap:26px}
.hero h1{font-size:clamp(38px,5.2vw,68px);line-height:1.04;letter-spacing:-.025em}
.hero p.lead{font-size:clamp(17px,1.5vw,20px);line-height:1.55;color:var(--ink-soft);max-width:620px}
.hero-ctas{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:6px}
.hero-ctas .link{padding:14px 4px 3px}
.hero-phone{font-size:14px;color:var(--ink-mute)}
.hero-photo{position:relative;max-width:460px;justify-self:end;width:100%}
.hero-photo img{width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:4px}
.hero-card{position:absolute;left:-40px;bottom:56px;width:min(300px,80%);background:var(--card);border:1px solid var(--rule);border-radius:4px;padding:20px 22px;display:flex;flex-direction:column;gap:6px;box-shadow:0 12px 32px rgba(21,35,59,.10)}
.hero-card b{font-family:Fraunces,Georgia,serif;font-size:20px;font-weight:600}
.hero-card span{font-size:14px;line-height:1.5;color:var(--ink-soft)}
@media (max-width:860px){
  .hero .wrap{grid-template-columns:1fr}
  .hero-photo{justify-self:start;max-width:420px}
  .hero-card{left:16px;bottom:16px}
}

/* trust */
.trust{background:var(--panel);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.trust .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px 32px;padding-block:28px}
.trust b{display:block;font-weight:600;font-size:16px}
.trust span{font-size:14px;color:var(--ink-mute)}

/* sections */
section.block .wrap{padding-block:clamp(56px,8vw,96px)}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;flex-wrap:wrap;margin-bottom:44px}
.sec-head h2{font-size:clamp(32px,3.6vw,46px);line-height:1.1;max-width:640px}
.sec-head p{font-size:17px;color:var(--ink-soft);max-width:420px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}
.card{background:var(--card);border:1px solid var(--rule);border-radius:4px;padding:28px 24px;display:flex;flex-direction:column;gap:14px}
.card .num{font-family:Fraunces,Georgia,serif;font-size:15px;color:var(--accent);font-weight:600}
.card h3{font-size:25px}
.card p{font-size:15px}
.card p{color:var(--ink-soft);flex-grow:1}

/* focus */
.focus{background:var(--deep);color:var(--on-deep)}
.focus .wrap{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:clamp(32px,6vw,80px);padding-block:clamp(56px,8vw,96px)}
.focus-tag{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.tag{background:var(--gold);color:var(--deep);font-size:12px;font-weight:600;letter-spacing:1.6px;text-transform:uppercase;padding:7px 12px;border-radius:3px}
.focus .date{font-size:14px;color:var(--on-deep-mute)}
.focus h2{font-size:clamp(32px,4vw,54px);line-height:1.06;margin-top:22px}
.focus p{font-size:18px;color:var(--on-deep-soft);margin-top:22px}
.focus-ctas{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-top:30px}
.focus-ctas .link{color:var(--on-deep);border-color:var(--gold)}
.focus-ctas .link:hover{color:var(--gold)}
.focus .list-label{font-size:13px;letter-spacing:1.6px;text-transform:uppercase;color:var(--gold);font-weight:600;padding-bottom:14px}
.focus .row{display:flex;justify-content:space-between;gap:24px;padding:20px 0;border-top:1px solid var(--deep-rule);color:var(--on-deep)}
.focus .row:last-of-type{border-bottom:1px solid var(--deep-rule)}
.focus .row:hover{color:var(--gold)}
.focus .row span:first-child{font-family:Fraunces,Georgia,serif;font-size:21px;line-height:1.25}
.focus .row span:last-child{font-size:14px;color:var(--on-deep-mute);white-space:nowrap}
.past{display:flex;gap:12px 18px;align-items:center;flex-wrap:wrap;padding-top:26px;font-size:14px;color:var(--on-deep-mute)}
.past a{color:var(--on-deep);border-bottom:1px solid var(--gold)}
.past a:hover{color:var(--gold)}
@media (max-width:860px){.focus .wrap{grid-template-columns:1fr}}

/* how */
.how h2{font-size:clamp(32px,3.6vw,46px);margin-bottom:44px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:40px}
.step{border-top:2px solid var(--ink);padding-top:22px;display:flex;flex-direction:column;gap:12px}
.step b{font-family:Fraunces,Georgia,serif;font-size:24px;font-weight:500}
.step p{color:var(--ink-soft)}

/* about */
.about{background:var(--panel);border-top:1px solid var(--rule)}
.about .wrap{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(32px,6vw,80px);align-items:center;padding-block:clamp(56px,8vw,96px)}
.about img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:4px}
.about-text{display:flex;flex-direction:column;gap:20px}
.about h2{font-size:clamp(30px,3.3vw,42px);line-height:1.12}
.about p{font-size:17px;line-height:1.65;color:var(--ink-soft)}
@media (max-width:860px){.about .wrap{grid-template-columns:1fr}}

/* ask + form */
.ask .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,6vw,80px);padding-block:clamp(56px,8vw,96px)}
.ask-text{display:flex;flex-direction:column;gap:20px}
.ask h2{font-size:clamp(32px,3.6vw,46px);line-height:1.08}
.ask p{font-size:17px;line-height:1.65;color:var(--ink-soft)}
.ask .kinds{font-size:15px;color:var(--ink-soft);display:flex;flex-direction:column;gap:8px;padding-top:6px}
form.review{background:var(--card);border:1px solid var(--rule);border-radius:4px;padding:clamp(24px,3vw,40px);display:flex;flex-direction:column;gap:18px}
form.review h3{font-size:27px}
.choices{display:flex;gap:10px;flex-wrap:wrap}
.choices label{display:flex;align-items:center;gap:8px;border:1px solid var(--rule-2);padding:12px 16px;border-radius:4px;font-size:15px;font-weight:500;cursor:pointer;min-height:44px}
.choices label:has(input:checked){background:var(--deep);border-color:var(--deep);color:var(--on-deep)}
.choices input{accent-color:var(--gold);margin:0}
.grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px}
.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600}
.field input,.field textarea{height:48px;border:1px solid var(--rule-2);border-radius:4px;padding:0 14px;background:var(--field);color:var(--ink);width:100%}
.field textarea{height:130px;padding:12px 14px;resize:vertical}
.field input:focus,.field textarea:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.consent{display:flex;align-items:flex-start;gap:10px;font-size:14px;line-height:1.5;color:var(--ink-soft);font-weight:400}
.consent input{margin-top:4px;accent-color:var(--deep)}
form.review button{height:56px;background:var(--deep);color:var(--on-deep);border:0;border-radius:4px;font-size:17px;font-weight:600;cursor:pointer}
form.review button:hover{background:#22365A}
.fine{font-size:13px;color:var(--ink-mute);line-height:1.5}
.hidden{display:none}
@media (max-width:860px){.ask .wrap{grid-template-columns:1fr}}

/* footer */
footer{background:var(--deep);color:var(--on-deep-soft)}
footer .wrap{padding-block:56px 32px;display:flex;flex-direction:column;gap:36px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.foot-grid b.logo{font-family:Fraunces,Georgia,serif;font-size:26px;font-weight:600;color:var(--on-deep);display:block;margin-bottom:10px}
.foot-grid .col{display:flex;flex-direction:column;gap:10px;font-size:15px}
.foot-grid .col a{color:var(--on-deep)}
.foot-grid .col a:hover{color:var(--gold)}
.foot-grid .lbl{color:var(--gold);font-size:13px;letter-spacing:1.4px;text-transform:uppercase;font-weight:600}
.legal{border-top:1px solid var(--deep-rule);padding-top:22px;font-size:13px;line-height:1.6;color:var(--on-deep-mute)}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:460px){.foot-grid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ===== multi-page additions ===== */
nav.main a[aria-current="page"]{color:var(--accent)}
.crumbs{font-size:14px;color:var(--ink-mute);display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{border-bottom:1px solid var(--rule-2)}
.page-hero{border-bottom:1px solid var(--rule)}
.page-hero .wrap{padding-block:clamp(40px,6vw,80px) clamp(44px,6vw,80px);display:flex;flex-direction:column;gap:24px}
.page-hero h1{font-size:clamp(36px,5vw,64px);line-height:1.05;letter-spacing:-.025em;max-width:900px}
.page-hero .lead{font-size:clamp(17px,1.5vw,20px);line-height:1.55;color:var(--ink-soft);max-width:680px}
.split{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:clamp(32px,6vw,80px);align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr}}
.prose{display:flex;flex-direction:column;gap:18px;max-width:680px;min-width:0}
.prose h2{font-size:clamp(28px,3vw,40px);line-height:1.12}
.prose h3{font-size:23px;margin-top:14px}
.prose p,.prose li{font-size:17px;line-height:1.7;color:var(--ink-soft)}
.prose ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:8px}
.prose strong{color:var(--ink);font-weight:600}
.glance{background:var(--card);border:1px solid var(--rule);border-radius:4px;padding:28px 26px;display:flex;flex-direction:column;gap:0;position:sticky;top:104px}
.glance h3{font-size:22px;padding-bottom:14px}
.glance dl{margin:0;display:flex;flex-direction:column}
.glance div{padding:14px 0;border-top:1px solid var(--rule);display:flex;flex-direction:column;gap:3px}
.glance dt{font-size:12px;font-weight:600;letter-spacing:1.4px;text-transform:uppercase;color:var(--accent)}
.glance dd{margin:0;font-size:16px;line-height:1.5}
.glance .btn{margin-top:18px}
@media (max-width:860px){.glance{position:static}}
section.panel{background:var(--panel);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.fit{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.fit .card h3{font-size:23px}
.table-wrap{overflow-x:auto;border:1px solid var(--rule);border-radius:4px;background:var(--card)}
table.compare{width:100%;border-collapse:collapse;min-width:620px;font-size:16px}
table.compare th,table.compare td{text-align:left;padding:18px 22px;border-bottom:1px solid var(--rule);vertical-align:top;line-height:1.5}
table.compare thead th{font-family:Fraunces,Georgia,serif;font-size:19px;font-weight:600;background:var(--panel)}
table.compare tbody th{font-weight:600;width:28%}
table.compare td{color:var(--ink-soft)}
table.compare tr:last-child th,table.compare tr:last-child td{border-bottom:0}
table.compare td.ours{color:var(--ink)}
.note{font-size:15px;color:var(--ink-mute);line-height:1.6;margin-top:18px;max-width:760px}
.faq{display:flex;flex-direction:column;border-top:1px solid var(--rule-2);max-width:880px}
.faq details{border-bottom:1px solid var(--rule-2)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 0;font-family:Fraunces,Georgia,serif;font-size:21px;font-weight:500;line-height:1.3}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:'Instrument Sans',sans-serif;font-size:26px;color:var(--accent);flex-shrink:0}
.faq details[open] summary::after{content:"\2212"}
.faq summary:focus-visible{outline:2px solid var(--accent);outline-offset:4px}
.faq .ans{padding:0 0 24px;display:flex;flex-direction:column;gap:12px;max-width:720px}
.faq .ans p{font-size:17px;line-height:1.7;color:var(--ink-soft)}
.cta-band{background:var(--deep);color:var(--on-deep)}
.cta-band .wrap{padding-block:clamp(48px,7vw,80px);display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:clamp(24px,4vw,48px);align-items:center}
.cta-band img{width:112px;height:112px;object-fit:cover;object-position:50% 20%;border-radius:50%;border:2px solid var(--gold)}
.cta-band h2{font-size:clamp(28px,3.2vw,42px);line-height:1.1}
.cta-band p{color:var(--on-deep-soft);font-size:17px;margin-top:12px;max-width:560px}
.cta-band .actions{display:flex;flex-direction:column;gap:12px;align-items:flex-start}
.cta-band .actions .small{font-size:14px;color:var(--on-deep-mute)}
.cta-band .actions .small a{color:var(--on-deep);font-weight:600}
@media (max-width:860px){.cta-band .wrap{grid-template-columns:1fr}.cta-band img{width:88px;height:88px}}
.steps.four{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.related{display:flex;gap:12px 28px;flex-wrap:wrap;align-items:center;font-size:15px}
.related span{color:var(--ink-mute)}
.steps + .note{margin-top:40px}

/* ===== monthly guide ===== */
.guide-part{display:flex;flex-direction:column;gap:18px;scroll-margin-top:104px;padding-bottom:40px;border-bottom:1px solid var(--rule)}
.guide-part + .guide-part{padding-top:40px}
.guide-part:last-of-type{border-bottom:0}
.glance dd a{border-bottom:1px solid var(--rule-2)}
.glance dd a:hover{border-color:var(--accent)}