*,:after,:before{box-sizing:border-box;margin:0;padding:0}:root{--navy:#1b2e3f;--navy-deep:#0f1e2d;--navy-mid:#1f3448;--cream:#f4efe4;--cream-light:#faf7f1;--cream-warm:#ede8dc;--gold:#c4902a;--gold-light:#d4a840;--gold-pale:rgba(196,144,42,0.12);--text-dark:#1a1a1a;--text-body:#3a3f4a;--text-muted:#6b7280;--text-light:#9ca3af;--border:rgba(196,144,42,0.18);--border-soft:rgba(0,0,0,0.08);--shadow-soft:0 4px 24px rgba(0,0,0,0.06);--shadow-mid:0 8px 40px rgba(0,0,0,0.10);--radius:4px;--radius-lg:8px;--transition:0.28s ease;--max-w:1120px;--section-pad:96px}html{scroll-behavior:smooth}body{font-family:DM Sans,sans-serif;font-size:16px;line-height:1.7;color:var(--text-body);background:var(--cream-light);-webkit-font-smoothing:antialiased}img{display:block;max-width:100%}a{color:inherit;text-decoration:none}ul{list-style:none}h1,h2,h3,h4,h5{font-family:Cormorant Garamond,serif;color:var(--navy);line-height:1.15;font-weight:600}h1{font-size:clamp(2.6rem,5.5vw,4rem);letter-spacing:-.01em}h2{font-size:clamp(2rem,4vw,2.8rem)}h3{font-size:clamp(1.4rem,2.5vw,1.8rem)}h4{font-size:1.25rem}p{margin-bottom:1rem}p:last-child{margin-bottom:0}.container{max-width:var(--max-w);margin:0 auto;padding:0 24px}.section{padding:var(--section-pad) 0}.section-sm{padding:64px 0}.text-center{text-align:center}.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 32px;border-radius:var(--radius);font-family:DM Sans,sans-serif;font-size:.95rem;font-weight:500;letter-spacing:.04em;cursor:pointer;transition:all var(--transition);border:2px solid transparent;text-decoration:none}.btn-primary{background:var(--gold);color:#fff;border-color:var(--gold)}.btn-primary:hover{background:var(--gold-light);border-color:var(--gold-light);transform:translateY(-1px);box-shadow:0 6px 24px rgba(196,144,42,.35)}.btn-outline{background:transparent;color:var(--cream);border-color:rgba(255,255,255,.4)}.btn-outline:hover{border-color:var(--gold);color:var(--gold-light);transform:translateY(-1px)}.btn-outline-navy{background:transparent;color:var(--navy);border-color:var(--navy)}.btn-outline-navy:hover{background:var(--navy);color:var(--cream);transform:translateY(-1px)}.btn-lg{padding:17px 40px;font-size:1rem}.eyebrow{display:inline-block;font-family:DM Sans,sans-serif;font-size:.75rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}.section-header{margin-bottom:56px}.section-header.text-center{max-width:640px;margin-left:auto;margin-right:auto;margin-bottom:56px}.section-header p{font-size:1.05rem;color:var(--text-muted);margin-top:12px}.divider{width:48px;height:2px;background:var(--gold);margin:16px auto}.divider-left{margin:16px 0}.site-header{background:var(--navy-deep);position:-webkit-sticky;position:sticky;top:0;z-index:900;border-bottom:1px solid rgba(255,255,255,.06)}.site-header .container{display:flex;align-items:center;justify-content:space-between;height:68px}.site-logo{font-family:Cormorant Garamond,serif;font-size:1.5rem;font-weight:600;color:#fff;letter-spacing:.04em;line-height:1}.site-logo span{color:var(--gold)}.site-nav{display:flex;align-items:center;gap:8px}.site-nav a{font-size:.875rem;font-weight:500;letter-spacing:.04em;color:rgba(255,255,255,.7);padding:8px 14px;border-radius:var(--radius);transition:color var(--transition),background var(--transition)}.site-nav a.active,.site-nav a:hover{color:#fff;background:rgba(255,255,255,.07)}.site-nav .nav-cta{background:var(--gold);color:#fff;padding:9px 20px;margin-left:8px}.site-nav .nav-cta:hover{background:var(--gold-light)}.nav-toggle{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;border:none;background:none}.nav-toggle span{display:block;width:22px;height:2px;background:rgba(255,255,255,.8);border-radius:2px;transition:all .25s ease}.nav-toggle.open span:first-child{transform:rotate(45deg) translate(5px,5px)}.nav-toggle.open span:nth-child(2){opacity:0}.nav-toggle.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}.mobile-nav{display:none;background:var(--navy-deep);border-top:1px solid rgba(255,255,255,.08);padding:16px 0 24px}.mobile-nav a{display:block;padding:13px 24px;color:rgba(255,255,255,.75);font-size:1rem;font-weight:500;border-bottom:1px solid rgba(255,255,255,.05);transition:color var(--transition)}.mobile-nav a:last-child{border-bottom:none}.mobile-nav a:hover{color:var(--gold-light)}.mobile-nav a.nav-cta{margin:16px 24px 0;background:var(--gold);color:#fff;border-radius:var(--radius);text-align:center;border-bottom:none;padding:13px 24px}.site-footer{background:var(--navy-deep);color:rgba(255,255,255,.6);padding:64px 0 32px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;grid-gap:48px;gap:48px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:32px}.footer-brand .site-logo{margin-bottom:16px;display:block}.footer-brand p{font-size:.9rem;line-height:1.7;color:rgba(255,255,255,.5)}.footer-col h4{font-family:DM Sans,sans-serif;font-size:.75rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:16px}.footer-col a{display:block;color:rgba(255,255,255,.6);font-size:.9rem;padding:4px 0;transition:color var(--transition)}.footer-col a:hover{color:var(--gold-light)}.footer-bottom{display:flex;align-items:flex-start;justify-content:space-between;gap:24px;flex-wrap:wrap}.footer-bottom p{font-size:.8rem;color:rgba(255,255,255,.35);margin:0}.footer-sms-notice{font-size:.78rem;color:rgba(255,255,255,.35);max-width:520px;line-height:1.5}.hero{background:radial-gradient(ellipse at 25% 60%,rgba(196,144,42,.1) 0,transparent 55%),linear-gradient(160deg,var(--navy) 0,var(--navy-deep) 55%,#0d1c2b 100%);color:#fff;padding:100px 0 96px;position:relative;overflow:hidden}.hero:after{bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);opacity:.4}.hero:after,.hero:before{content:"";position:absolute}.hero:before{inset:0;background-image:radial-gradient(circle at 80% 20%,rgba(196,144,42,.06) 0,transparent 40%),url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Ccircle cx='30' cy='30' r='0.5' fill='rgba(255,255,255,0.04)'/%3E%3C/svg%3E");pointer-events:none}.hero-content{position:relative;z-index:1;max-width:720px}.hero .eyebrow{color:var(--gold-light);opacity:.9}.hero h1{color:#fff;margin-bottom:20px;font-style:italic;font-weight:500}.hero h1 em{font-style:normal;color:var(--gold-light)}.hero-sub{font-size:1.1rem;color:rgba(255,255,255,.72);max-width:560px;margin-bottom:40px;line-height:1.75}.hero-actions{display:flex;gap:16px;flex-wrap:wrap}.trust-bar{background:var(--cream-warm);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:20px 0}.trust-bar-inner{justify-content:center;gap:40px;flex-wrap:wrap}.trust-bar-inner,.trust-item{display:flex;align-items:center}.trust-item{gap:8px;font-size:.85rem;font-weight:500;color:var(--text-body);white-space:nowrap}.trust-item .check{width:18px;height:18px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}.trust-item .check svg{width:10px;height:10px;stroke:#fff;stroke-width:2.5;fill:none}.process-preview{background:var(--navy)}.process-preview .eyebrow,.process-preview h2{color:#fff}.process-preview .section-header p{color:rgba(255,255,255,.55)}.step-cards{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:2px;gap:2px;background:rgba(255,255,255,.06);border-radius:var(--radius-lg);overflow:hidden}.step-card{background:rgba(255,255,255,.04);padding:40px 32px;transition:background var(--transition)}.step-card:hover{background:rgba(255,255,255,.07)}.step-num{font-family:Cormorant Garamond,serif;font-size:3.5rem;font-weight:600;color:var(--gold);opacity:.5;line-height:1;margin-bottom:16px}.step-card h3{color:#fff;font-size:1.35rem;margin-bottom:10px}.step-card p{color:rgba(255,255,255,.55);font-size:.95rem;line-height:1.7}.help-grid{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:20px;gap:20px}.help-card{padding:32px;background:var(--cream-warm);border:1px solid var(--border);border-radius:var(--radius-lg);transition:transform var(--transition),box-shadow var(--transition)}.help-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-soft)}.help-card-icon{width:44px;height:44px;background:var(--gold-pale);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;margin-bottom:16px}.help-card-icon svg{width:22px;height:22px;stroke:var(--gold);stroke-width:1.5;fill:none}.help-card h4{font-family:DM Sans,sans-serif;font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:8px}.help-card p{font-size:.9rem;color:var(--text-muted);line-height:1.65;margin:0}.why-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:1px;gap:1px;background:var(--border);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.why-card{background:var(--cream-light);padding:36px 28px;transition:background var(--transition)}.why-card:hover{background:#fff}.why-icon{width:40px;height:40px;margin-bottom:16px}.why-icon svg{width:40px;height:40px;stroke:var(--gold);stroke-width:1.5;fill:none}.why-card h4{font-family:DM Sans,sans-serif;font-size:.95rem;font-weight:600;color:var(--navy);margin-bottom:6px}.why-card p{font-size:.875rem;color:var(--text-muted);line-height:1.6;margin:0}.inline-form-section{background:radial-gradient(ellipse at 70% 50%,rgba(196,144,42,.08) 0,transparent 60%),var(--cream-warm);border-top:1px solid var(--border)}.inline-form-layout{display:grid;grid-template-columns:1fr 1.2fr;grid-gap:80px;gap:80px;align-items:center}.inline-form-text h2{margin-bottom:16px}.inline-form-text p{color:var(--text-body);font-size:1.05rem;line-height:1.8}.cta-banner{background:radial-gradient(ellipse at 70% 50%,rgba(196,144,42,.12) 0,transparent 60%),var(--navy-deep);color:#fff;text-align:center;padding:80px 0}.cta-banner h2{color:#fff;font-style:italic;margin-bottom:16px}.cta-banner p{color:rgba(255,255,255,.6);font-size:1rem;max-width:480px;margin:0 auto 36px}.cta-banner .divider{background:var(--gold);opacity:.6}.page-hero{background:radial-gradient(ellipse at 20% 70%,rgba(196,144,42,.08) 0,transparent 50%),linear-gradient(160deg,var(--navy) 0,var(--navy-deep) 100%);color:#fff;padding:72px 0 64px;text-align:center}.page-hero h1{color:#fff;font-style:italic;font-weight:500;margin-bottom:14px}.page-hero p{color:rgba(255,255,255,.62);font-size:1.05rem;max-width:500px;margin:0 auto}.step-full{display:grid;grid-template-columns:80px 1fr;grid-gap:32px;gap:32px;padding:48px 0;border-bottom:1px solid var(--border-soft)}.step-full:last-child{border-bottom:none}.step-full-num{font-family:Cormorant Garamond,serif;font-size:4rem;font-weight:600;color:var(--gold);opacity:.35;line-height:1;padding-top:6px}.step-full-body h3{margin-bottom:12px}.step-full-body p{color:var(--text-body);font-size:1rem}.step-detail-list{margin-top:16px;display:flex;flex-direction:column;gap:8px}.step-detail-list li{display:flex;gap:10px;font-size:.95rem;color:var(--text-body)}.step-detail-list li:before{content:"\2192";color:var(--gold);font-weight:500;flex-shrink:0}.faq-list{max-width:760px;margin:0 auto}.faq-item{border-bottom:1px solid var(--border-soft)}.faq-question{width:100%;background:none;border:none;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:24px 0;cursor:pointer;text-align:left;font-family:Cormorant Garamond,serif;font-size:1.3rem;font-weight:600;color:var(--navy);transition:color var(--transition)}.faq-question:hover{color:var(--gold)}.faq-icon{width:28px;height:28px;border:1px solid var(--border);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:all var(--transition)}.faq-icon svg{width:12px;height:12px;stroke:var(--navy);stroke-width:2;fill:none;transition:transform var(--transition)}.faq-item.open .faq-icon{background:var(--gold);border-color:var(--gold)}.faq-item.open .faq-icon svg{stroke:#fff;transform:rotate(45deg)}.faq-answer{display:none;padding:0 0 28px}.faq-item.open .faq-answer{display:block}.faq-answer p{font-size:1rem;color:var(--text-body);line-height:1.8}.contact-layout{display:grid;grid-template-columns:1fr 1.5fr;grid-gap:80px;gap:80px;align-items:start}.contact-info h2{margin-bottom:16px}.contact-info p{color:var(--text-body);font-size:1rem;line-height:1.8}.contact-detail{display:flex;align-items:flex-start;gap:12px;margin-top:28px;padding-top:28px;border-top:1px solid var(--border-soft)}.contact-detail-icon{width:36px;height:36px;background:var(--gold-pale);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;flex-shrink:0}.contact-detail-icon svg{width:18px;height:18px;stroke:var(--gold);stroke-width:1.5;fill:none}.contact-detail-body h4{font-size:.85rem;font-weight:600;color:var(--text-muted);text-transform:uppercase;letter-spacing:.1em;font-family:DM Sans,sans-serif;margin-bottom:2px}.contact-detail-body a,.contact-detail-body span{font-size:1rem;color:var(--navy);font-weight:500}.contact-form-wrap{background:#fff;border:1px solid var(--border-soft);border-radius:var(--radius-lg);padding:40px;box-shadow:var(--shadow-soft)}.form-group{margin-bottom:20px}.form-group label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);letter-spacing:.04em;margin-bottom:6px}.form-group label .optional{font-weight:400;color:var(--text-muted);font-size:.8rem}.form-group input,.form-group select,.form-group textarea{width:100%;padding:13px 16px;border:1.5px solid #dde1e7;border-radius:var(--radius);font-family:DM Sans,sans-serif;font-size:.95rem;color:var(--text-dark);background:var(--cream-light);transition:border-color var(--transition),box-shadow var(--transition);outline:none}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(196,144,42,.1);background:#fff}.form-group textarea{min-height:120px;resize:vertical;line-height:1.6}.form-row{display:grid;grid-template-columns:1fr 1fr;grid-gap:16px;gap:16px}.form-submit-wrap{margin-top:8px}.form-submit-wrap .btn{width:100%;justify-content:center;padding:16px;font-size:1rem}.form-legal{font-size:.78rem;color:var(--text-muted);margin-top:12px;line-height:1.5}.form-legal a{color:var(--gold);text-decoration:underline}.form-thankyou{display:none;text-align:center;padding:40px 20px}.form-thankyou.visible{display:block}.thankyou-icon{width:64px;height:64px;background:rgba(196,144,42,.1);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}.thankyou-icon svg{width:32px;height:32px;stroke:var(--gold);stroke-width:1.5;fill:none}.form-thankyou h3{margin-bottom:12px;font-size:1.8rem}.form-thankyou p{color:var(--text-muted);font-size:1rem}.legal-layout{display:grid;grid-template-columns:220px 1fr;grid-gap:64px;gap:64px;align-items:start}.legal-toc{position:-webkit-sticky;position:sticky;top:88px;padding:24px;background:var(--cream-warm);border:1px solid var(--border);border-radius:var(--radius-lg)}.legal-toc h4{font-size:.75rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--text-muted);font-family:DM Sans,sans-serif;margin-bottom:12px}.legal-toc a{display:block;font-size:.875rem;color:var(--text-body);padding:6px 0;border-bottom:1px solid rgba(0,0,0,.05);transition:color var(--transition)}.legal-toc a:last-child{border-bottom:none}.legal-toc a:hover{color:var(--gold)}.legal-content h2{font-size:2rem;margin-bottom:16px;margin-top:56px;padding-top:56px;border-top:1px solid var(--border-soft);color:var(--navy)}.legal-content h2:first-child{margin-top:0;padding-top:0;border-top:none}.legal-content h3{font-size:1.25rem;margin-top:28px;margin-bottom:10px;font-family:DM Sans,sans-serif;font-weight:600;color:var(--navy)}.legal-content p{font-size:.95rem;line-height:1.85;color:var(--text-body)}.legal-content ul{margin:12px 0 16px 16px;list-style:disc}.legal-content ul li{font-size:.95rem;color:var(--text-body);line-height:1.7;margin-bottom:6px}.legal-updated{font-size:.82rem;color:var(--text-muted);margin-bottom:40px;display:block}.who-content{display:grid;grid-template-columns:1fr 1fr;grid-gap:72px;gap:72px;align-items:center}.who-text p{font-size:1.05rem;color:var(--text-body);line-height:1.8}.who-stat-block{display:flex;flex-direction:column;gap:24px}.who-stat{background:var(--cream-warm);border:1px solid var(--border);border-left:3px solid var(--gold);padding:20px 24px;border-radius:var(--radius)}.who-stat-num{font-family:Cormorant Garamond,serif;font-size:2.4rem;font-weight:600;color:var(--navy);line-height:1;margin-bottom:4px}.who-stat-label{font-size:.85rem;color:var(--text-muted);font-weight:500}.fade-up{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}.fade-up.visible{opacity:1;transform:translateY(0)}.fade-up-delay-1{transition-delay:.1s}.fade-up-delay-2{transition-delay:.2s}.fade-up-delay-3{transition-delay:.3s}.comparison-table{width:100%;border-collapse:collapse;font-size:.95rem}.comparison-table thead th{text-align:center;padding:14px 20px;background:var(--navy);font-family:DM Sans,sans-serif;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;font-weight:600}.comparison-table thead th:first-child{text-align:left;color:rgba(255,255,255,.5);width:38%}.comparison-table thead th:nth-child(2){color:var(--gold-light)}.comparison-table thead th:nth-child(3){color:rgba(255,255,255,.4)}.comparison-table tbody tr:nth-child(odd){background:#fff}.comparison-table tbody tr:nth-child(2n){background:var(--cream-light)}.comparison-table td{padding:15px 20px;border-bottom:1px solid var(--border-soft)}.comparison-table td:first-child{color:var(--navy);font-weight:500}.comparison-table td:nth-child(2){text-align:center;color:var(--gold);font-weight:500}.comparison-table td:nth-child(3){text-align:center;color:var(--text-muted)}.comparison-table tbody tr:last-child td{border-bottom:none}@media (max-width:900px){:root{--section-pad:72px}.site-nav{display:none}.nav-toggle{display:flex}.mobile-nav.open{display:block}.contact-layout,.help-grid,.inline-form-layout,.legal-layout,.who-content{grid-template-columns:1fr}.contact-layout{gap:48px}.legal-layout{gap:40px}.legal-toc{position:static}.footer-grid{gap:32px}.footer-grid,.step-cards,.why-grid{grid-template-columns:1fr}.hero{padding:72px 0 64px}.form-row{grid-template-columns:1fr}.inline-form-layout{gap:48px}}@media (max-width:640px){:root{--section-pad:56px}h1{font-size:2.2rem}h2{font-size:1.8rem}.hero-actions{flex-direction:column}.hero-actions .btn{width:100%;justify-content:center}.trust-bar-inner{gap:20px;justify-content:flex-start}.step-full{grid-template-columns:1fr}.step-full-num{font-size:2.5rem}.contact-form-wrap{padding:28px 20px}.footer-bottom{flex-direction:column}.help-grid{gap:12px}.help-card{padding:24px}}