:root{
  --navy:#1a284e; --navy-900:#0e1730; --navy-800:#131f3d;
  --blue-deep:#014CA1; --blue:#188bf6;
  --gold:#c2a35e; --gold-light:#d8bd82; --gold-deep:#a8863f;
  --off:#f5f5f5; --paper:#ffffff;
  --ink:#1b2333; --muted:#586074; --line:#e6e8ee;
  --shadow-sm:0 1px 2px rgba(14,23,48,.06),0 2px 8px rgba(14,23,48,.05);
  --shadow-md:0 6px 20px rgba(14,23,48,.10),0 2px 6px rgba(14,23,48,.06);
  --shadow-lg:0 24px 60px rgba(14,23,48,.16);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --wrap:1160px; --radius:14px;
  --space:clamp(64px,8vw,116px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);
  line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.14;margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.15rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.75rem,3.4vw,2.65rem)}
h3{font-size:clamp(1.2rem,1.7vw,1.45rem)}
p{margin:0 0 1rem}
a{color:var(--blue-deep);text-decoration:none}
a:hover{color:var(--blue)}
img{max-width:100%;display:block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy-900);padding:12px 18px;z-index:200;font-weight:700;border-radius:0 0 8px 0}
.skip:focus{left:0}

/* Eyebrow + section head */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:14px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);display:inline-block}
.section-head{max-width:720px;margin:0 auto var(--gap,52px);text-align:center}
.section-head .eyebrow{justify-content:center}
.section-head p{color:var(--muted);font-size:1.08rem}
.lead{font-size:1.15rem;color:var(--muted)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--sans);font-weight:700;font-size:.98rem;letter-spacing:.01em;
  padding:15px 26px;border-radius:10px;border:1.5px solid transparent;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,background .18s ease,color .18s ease;text-align:center}
.btn:active{transform:translateY(1px)}
.btn-gold{background:linear-gradient(180deg,var(--gold-light),var(--gold));color:var(--navy-900);box-shadow:0 6px 18px rgba(194,163,94,.35)}
.btn-gold:hover{color:var(--navy-900);box-shadow:0 10px 26px rgba(194,163,94,.5);transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-800);color:#fff;transform:translateY(-2px)}
.btn-outline{background:transparent;border-color:rgba(255,255,255,.5);color:#fff}
.btn-outline:hover{background:rgba(255,255,255,.1);color:#fff;border-color:#fff}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--navy)}
.btn-ghost:hover{border-color:var(--gold);color:var(--navy)}
.btn svg{width:18px;height:18px}

/* Utility top bar */
.topbar{background:var(--navy-900);color:#c7d0e4;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#e6ebf6}
.topbar a:hover{color:var(--gold-light)}
.topbar .tset{display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.topbar .tset span{display:inline-flex;align-items:center;gap:7px}
.topbar svg{width:14px;height:14px;stroke:var(--gold-light);opacity:.9}

/* Header / nav */
.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line);transition:box-shadow .25s ease}
.site-header.scrolled{box-shadow:var(--shadow-sm);border-bottom-color:transparent}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.brand img{width:44px;height:44px}
.brand .bname{font-family:var(--serif);font-weight:600;color:var(--navy);font-size:1.12rem;line-height:1.05;letter-spacing:.01em}
.brand .bname small{display:block;font-family:var(--sans);font-size:.62rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin-top:2px}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--navy);font-weight:600;font-size:.95rem;padding:10px 14px;border-radius:8px;transition:background .15s ease,color .15s ease}
.nav-links a:hover{background:var(--off);color:var(--navy)}
.nav-actions{display:flex;align-items:center;gap:12px}
.has-sub{position:relative}
.has-sub>button{font:inherit;font-weight:600;font-size:.95rem;color:var(--navy);background:none;border:0;padding:10px 14px;border-radius:8px;cursor:pointer;display:inline-flex;align-items:center;gap:6px}
.has-sub>button:hover{background:var(--off)}
.has-sub>button svg{width:13px;height:13px;transition:transform .2s ease}
.has-sub[data-open="true"]>button svg{transform:rotate(180deg)}
.submenu{position:absolute;top:calc(100% + 8px);left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow-md);padding:8px;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s ease}
.has-sub[data-open="true"] .submenu{opacity:1;visibility:visible;transform:translateY(0)}
.submenu a{display:block;padding:10px 12px;border-radius:8px;color:var(--navy);font-size:.92rem}
.submenu a strong{display:block;font-weight:700}
.submenu a span{color:var(--muted);font-size:.8rem;font-weight:400}
.submenu a:hover{background:var(--off)}
.hamburger{display:none;background:none;border:1.5px solid var(--line);border-radius:9px;width:46px;height:46px;cursor:pointer;padding:0;align-items:center;justify-content:center}
.hamburger svg{width:22px;height:22px;stroke:var(--navy)}

/* Hero */
.hero{position:relative;color:#eaf0fb;overflow:hidden;background:radial-gradient(120% 120% at 85% 0%,#20336a 0%,var(--navy) 42%,var(--navy-900) 100%)}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(60% 60% at 12% 90%,rgba(24,139,246,.22),transparent 60%),
  radial-gradient(40% 50% at 95% 20%,rgba(194,163,94,.16),transparent 60%);pointer-events:none}
.hero::after{content:"";position:absolute;inset:0;opacity:.5;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:52px 52px;mask-image:radial-gradient(70% 60% at 50% 40%,#000,transparent 85%)}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:clamp(56px,8vw,96px);padding-bottom:clamp(64px,9vw,104px)}
.hero h1{color:#fff}
.hero h1 .accent{color:var(--gold-light);font-style:italic}
.hero p.sub{font-size:1.18rem;color:#c3cee4;max-width:37ch;margin-top:18px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.trust-row{display:flex;gap:26px;flex-wrap:wrap;margin-top:36px;padding-top:26px;border-top:1px solid rgba(255,255,255,.12)}
.trust-item{display:flex;align-items:center;gap:10px;font-size:.9rem;color:#cdd7ec}
.trust-item svg{width:20px;height:20px;stroke:var(--gold-light);flex-shrink:0}
.hero-eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-light);margin-bottom:18px}
.hero-eyebrow::before{content:"";width:26px;height:2px;background:var(--gold-light)}
/* hero visual card */
.hero-visual{position:relative}
.hero-card{position:relative;border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid rgba(255,255,255,.14)}
.hero-card img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3.2}
.hero-card::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(14,23,48,.55))}
.hero-badge{position:absolute;bottom:18px;left:18px;right:18px;z-index:2;background:rgba(14,23,48,.72);backdrop-filter:blur(6px);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:16px 18px;display:flex;align-items:center;gap:14px}
.hero-badge .mark{width:40px;height:40px;flex-shrink:0}
.hero-badge strong{color:#fff;font-family:var(--serif);font-size:1.02rem;display:block}
.hero-badge span{color:#b9c4dc;font-size:.82rem}
.hero-float{position:absolute;top:-16px;right:-14px;z-index:3;background:#fff;color:var(--navy);border-radius:12px;box-shadow:var(--shadow-md);padding:12px 16px;font-size:.82rem;font-weight:700;display:flex;align-items:center;gap:9px}
.hero-float svg{width:20px;height:20px;stroke:var(--gold-deep)}

/* Section base */
section{padding:var(--space) 0}
.tint{background:var(--off)}
.divider-mark{display:block;width:64px;height:auto;margin:0 auto 18px;opacity:.9}

/* Value prop */
.valueprop{text-align:center}
.valueprop h2{max-width:16ch;margin-inline:auto}
.valueprop p{max-width:60ch;margin-inline:auto;color:var(--muted);font-size:1.12rem}

/* Cards grid */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;box-shadow:var(--shadow-sm);transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease;position:relative;overflow:hidden}
.card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--gold),var(--gold-light));transform:scaleX(0);transform-origin:left;transition:transform .3s ease}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:#dfe3ec}
.card:hover::before{transform:scaleX(1)}
.card .ic{width:54px;height:54px;border-radius:12px;background:linear-gradient(160deg,var(--navy),var(--blue-deep));display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card .ic svg{width:26px;height:26px;stroke:var(--gold-light);fill:none}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);margin-bottom:0}
.card .more{margin-top:16px;font-weight:700;font-size:.9rem;color:var(--blue-deep);display:inline-flex;align-items:center;gap:6px}
.card .more svg{width:15px;height:15px;transition:transform .2s ease}
.card:hover .more svg{transform:translateX(4px)}

/* Process timeline */
.process{position:relative}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative}
.steps::before{content:"";position:absolute;top:31px;left:11%;right:11%;height:2px;background:linear-gradient(90deg,var(--gold),var(--gold-light));z-index:0}
.step{position:relative;text-align:center;z-index:1}
.step .num{width:64px;height:64px;margin:0 auto 18px;border-radius:50%;background:#fff;border:2px solid var(--gold);color:var(--navy);font-family:var(--serif);font-size:1.5rem;font-weight:700;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(194,163,94,.28)}
.step h3{font-size:1.12rem}
.step p{color:var(--muted);font-size:.95rem;margin-bottom:0}

/* IBC section (dark) */
.ibc{background:radial-gradient(120% 120% at 80% 0,#1c2f61,var(--navy) 45%,var(--navy-900));color:#e7edfb}
.ibc h2{color:#fff}
.ibc .section-head p{color:#c0cbe4}
.ibc .eyebrow{color:var(--gold-light)}
.ibc .eyebrow::before{background:var(--gold-light)}
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.pillar{background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:30px 26px;transition:background .2s ease,transform .2s ease,border-color .2s ease}
.pillar:hover{background:rgba(255,255,255,.08);transform:translateY(-4px);border-color:rgba(216,189,130,.4)}
.pillar .ic{width:52px;height:52px;border-radius:12px;background:linear-gradient(160deg,var(--gold),var(--gold-deep));display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.pillar .ic svg{width:26px;height:26px;stroke:var(--navy-900);fill:none}
.pillar h3{color:#fff;margin-bottom:8px}
.pillar p{color:#bcc7e0;margin-bottom:0;font-size:.97rem}

/* Trust / values */
.trust-split{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.trust-statement{background:var(--navy);color:#e7edfb;border-radius:18px;padding:40px 36px;position:relative;overflow:hidden;box-shadow:var(--shadow-md)}
.trust-statement::after{content:"";position:absolute;bottom:-40px;right:-40px;width:180px;height:180px;border-radius:50%;background:radial-gradient(circle,rgba(194,163,94,.25),transparent 70%)}
.trust-statement .eyebrow{color:var(--gold-light)}
.trust-statement .eyebrow::before{background:var(--gold-light)}
.trust-statement h2{color:#fff;font-size:clamp(1.5rem,2.4vw,2rem)}
.trust-statement p{color:#c6d0e6;position:relative;z-index:1}
.values{display:flex;flex-direction:column;gap:18px}
.value{display:flex;gap:18px;padding:22px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-sm);transition:border-color .2s ease,transform .2s ease}
.value:hover{border-color:#dbe0ea;transform:translateX(4px)}
.value .ic{width:48px;height:48px;flex-shrink:0;border-radius:11px;background:var(--off);display:flex;align-items:center;justify-content:center}
.value .ic svg{width:24px;height:24px;stroke:var(--gold-deep);fill:none}
.value h3{font-size:1.12rem;margin-bottom:4px}
.value p{color:var(--muted);margin-bottom:0;font-size:.96rem}

/* Testimonials */
.quotes{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 32px;box-shadow:var(--shadow-sm);position:relative}
.quote .qmark{font-family:var(--serif);font-size:4.5rem;line-height:.6;color:var(--gold);opacity:.55;height:34px}
.quote blockquote{margin:0 0 18px;font-family:var(--serif);font-size:1.4rem;color:var(--navy);line-height:1.4}
.quote .stars{color:var(--gold);letter-spacing:3px;font-size:1rem;margin-bottom:8px}
.quote cite{font-style:normal;font-weight:700;color:var(--navy)}
.quote cite span{display:block;font-weight:400;color:var(--muted);font-size:.88rem}

/* Insights */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .22s ease,box-shadow .22s ease;display:flex;flex-direction:column}
.post:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.post .thumb{aspect-ratio:16/9;background:linear-gradient(140deg,var(--navy),var(--blue-deep));position:relative;display:flex;align-items:center;justify-content:center;overflow:hidden}
.post .thumb::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:24px 24px;opacity:.6}
.post .thumb img{width:46px;height:46px;opacity:.9;z-index:1}
.post .pbody{padding:24px;display:flex;flex-direction:column;flex:1}
.post .meta{font-size:.78rem;color:var(--gold-deep);font-weight:700;letter-spacing:.05em;text-transform:uppercase;margin-bottom:10px}
.post h3{font-size:1.15rem;margin-bottom:auto}
.post .more{margin-top:16px;font-weight:700;font-size:.88rem;color:var(--blue-deep);display:inline-flex;align-items:center;gap:6px}
.post .more svg{width:15px;height:15px;flex-shrink:0;transition:transform .2s ease}
.post:hover .more svg{transform:translateX(4px)}

/* FAQ */
.faq-wrap{max-width:820px;margin:0 auto}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:#fff;overflow:hidden;transition:box-shadow .2s ease,border-color .2s ease}
.faq-item[open]{box-shadow:var(--shadow-sm);border-color:#dbe0ea}
.faq-item summary{list-style:none;cursor:pointer;padding:22px 24px;font-family:var(--serif);font-size:1.12rem;color:var(--navy);font-weight:600;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .plus{flex-shrink:0;width:26px;height:26px;position:relative;transition:transform .25s ease}
.faq-item summary .plus::before,.faq-item summary .plus::after{content:"";position:absolute;background:var(--gold-deep);border-radius:2px}
.faq-item summary .plus::before{top:12px;left:4px;right:4px;height:2px}
.faq-item summary .plus::after{left:12px;top:4px;bottom:4px;width:2px;transition:transform .25s ease}
.faq-item[open] summary .plus::after{transform:scaleY(0)}
.faq-item .ans{padding:0 24px 22px;color:var(--muted)}
.faq-item .ans p{margin-bottom:.6rem}
.faq-item .ans p:last-child{margin-bottom:0}

/* Closing CTA */
.closing{background:radial-gradient(120% 140% at 15% 10%,#22376e,var(--navy) 50%,var(--navy-900));color:#eaf0fb;text-align:center}
.closing h2{color:#fff}
.closing .eyebrow{color:var(--gold-light);justify-content:center}
.closing .eyebrow::before{background:var(--gold-light)}
.closing p{color:#c6d0e6;max-width:56ch;margin:0 auto 30px;font-size:1.12rem}
.closing .hero-cta{justify-content:center}

/* Contact + form */
.contact-split{display:grid;grid-template-columns:1fr 1.05fr;gap:48px;align-items:start}
.contact-info .infolist{list-style:none;padding:0;margin:24px 0 0;display:flex;flex-direction:column;gap:20px}
.contact-info .infolist li{display:flex;gap:16px;align-items:flex-start}
.contact-info .infolist .ic{width:46px;height:46px;flex-shrink:0;border-radius:11px;background:var(--navy);display:flex;align-items:center;justify-content:center}
.contact-info .infolist .ic svg{width:22px;height:22px;stroke:var(--gold-light);fill:none}
.contact-info .infolist strong{display:block;color:var(--navy);font-size:.82rem;text-transform:uppercase;letter-spacing:.08em}
.contact-info .infolist a,.contact-info .infolist span{color:var(--muted)}
.hours{margin-top:26px;border:1px solid var(--line);border-radius:12px;padding:20px 22px;background:#fff}
.hours h3{font-size:1rem;margin-bottom:12px}
.hours dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:8px 16px;font-size:.94rem}
.hours dt{color:var(--navy);font-weight:600}
.hours dd{margin:0;color:var(--muted);text-align:right}

.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px 32px;box-shadow:var(--shadow-md)}
.form-card h3{font-size:1.4rem;margin-bottom:4px}
.form-card .fsub{color:var(--muted);font-size:.96rem;margin-bottom:22px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:6px}
.field label .req{color:var(--gold-deep)}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:.98rem;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;background:#fcfcfd;color:var(--ink);transition:border-color .15s ease,box-shadow .15s ease}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(24,139,246,.15)}
.field textarea{resize:vertical;min-height:110px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{display:none;padding:14px 16px;border-radius:10px;font-size:.94rem;font-weight:600;margin-bottom:16px}
.form-msg.ok{display:block;background:#eaf7ee;color:#1c7a3e;border:1px solid #bfe4ca}
.form-msg.err{display:block;background:#fdecec;color:#b3261e;border:1px solid #f3c6c3}
.form-card .btn{width:100%}
.consent{font-size:.78rem;color:var(--muted);margin-top:14px;text-align:center}

/* Newsletter */
.newsletter{background:var(--navy-900);color:#e7edfb}
.nl-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.nl-inner h2{color:#fff;font-size:clamp(1.5rem,2.6vw,2.1rem)}
.nl-inner p{color:#bcc7e0;margin-bottom:0}
.nl-form{display:flex;gap:12px;flex-wrap:wrap}
.nl-form .field{flex:1;min-width:220px;margin-bottom:0}
.nl-form input{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.18);color:#fff}
.nl-form input::placeholder{color:#8f9cbb}
.nl-form input:focus{border-color:var(--gold-light);box-shadow:0 0 0 3px rgba(216,189,130,.18)}
.nl-msg{display:none;margin-top:12px;font-size:.9rem;font-weight:600}
.nl-msg.ok{display:block;color:var(--gold-light)}
.nl-msg.err{display:block;color:#ff9d97}

/* Footer */
.site-footer{background:var(--navy-900);color:#aab5d0;padding:64px 0 0}
.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.1fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-brand img{width:210px;margin-bottom:8px}
.footer-brand p{font-size:.92rem;color:#9aa6c4;max-width:34ch;margin-top:14px}
.footer-social{display:flex;gap:12px;margin-top:18px}
.footer-social a{width:40px;height:40px;border-radius:10px;border:1px solid rgba(255,255,255,.14);display:flex;align-items:center;justify-content:center;transition:background .18s ease,border-color .18s ease}
.footer-social a:hover{background:rgba(255,255,255,.08);border-color:var(--gold-light)}
.footer-social svg{width:19px;height:19px;fill:#c7d0e4}
.footer-col h4{color:#fff;font-family:var(--sans);font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
.footer-col ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.footer-col a{color:#aab5d0;font-size:.93rem}
.footer-col a:hover{color:var(--gold-light)}
.footer-col .fcontact{display:flex;gap:9px;align-items:flex-start;font-size:.93rem;color:#aab5d0}
.footer-col .fcontact svg{width:16px;height:16px;stroke:var(--gold-light);flex-shrink:0;margin-top:3px}
.disclaimer{padding:26px 0;font-size:.8rem;color:#7f8bab;line-height:1.7;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 0;flex-wrap:wrap;font-size:.85rem;color:#8b96b6}
.footer-bottom .legal{display:flex;gap:20px;flex-wrap:wrap}
.footer-bottom a{color:#8b96b6}
.footer-bottom a:hover{color:var(--gold-light)}

/* Reveal animation (only hidden when JS is active, so no-JS renders fully) */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s cubic-bezier(.22,.61,.36,1),transform .7s cubic-bezier(.22,.61,.36,1)}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.js .reveal{opacity:1;transform:none;transition:none}}

/* Responsive */
@media (max-width:980px){
  .hero .wrap{grid-template-columns:1fr;gap:44px}
  .hero-visual{max-width:520px}
  .trust-split{grid-template-columns:1fr;gap:34px}
  .contact-split{grid-template-columns:1fr;gap:34px}
  .nl-inner{grid-template-columns:1fr;gap:22px;text-align:center}
  .nl-form{justify-content:center}
  .footer-top{grid-template-columns:1fr 1fr;gap:32px}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:860px){
  .nav-links,.has-sub,.nav-actions .btn{display:none}
  .hamburger{display:flex}
  .grid-3,.pillars,.posts{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr;gap:34px}
  .steps::before{display:none}
  .quotes{grid-template-columns:1fr}
}
@media (max-width:560px){
  body{font-size:16px}
  .topbar .tset:last-child{display:none}
  .steps{grid-template-columns:1fr}
  .field-row{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;align-items:flex-start}
}

/* Mobile drawer */
.drawer{position:fixed;inset:0;z-index:150;visibility:hidden;pointer-events:none}
.drawer[data-open="true"]{visibility:visible;pointer-events:auto}
.drawer .scrim{position:absolute;inset:0;background:rgba(14,23,48,.5);opacity:0;transition:opacity .25s ease}
.drawer[data-open="true"] .scrim{opacity:1}
.drawer .panel{position:absolute;top:0;right:0;bottom:0;width:min(340px,86vw);background:#fff;box-shadow:var(--shadow-lg);transform:translateX(100%);transition:transform .28s cubic-bezier(.22,.61,.36,1);padding:22px;overflow-y:auto;display:flex;flex-direction:column}
.drawer[data-open="true"] .panel{transform:none}
.drawer .dhead{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.drawer .dclose{background:none;border:1.5px solid var(--line);border-radius:9px;width:42px;height:42px;cursor:pointer}
.drawer .dclose svg{width:20px;height:20px;stroke:var(--navy)}
.drawer nav a{display:block;padding:14px 12px;border-bottom:1px solid var(--line);color:var(--navy);font-weight:600;font-size:1.02rem}
.drawer nav a.sub{padding-left:26px;font-weight:500;font-size:.95rem;color:var(--muted)}
.drawer .btn{margin-top:20px}
.drawer .dcontact{margin-top:auto;padding-top:20px;font-size:.9rem;color:var(--muted)}
.drawer .dcontact a{color:var(--navy);font-weight:600}

/* ============================================================
   MULTI-PAGE ADDITIONS (v2)
   ============================================================ */

/* Active nav state */
.nav-links a[aria-current="page"],
.has-sub[data-current="true"]>button{color:var(--gold-deep)}
.nav-links a[aria-current="page"]{background:var(--off)}

/* Page hero (interior pages, more compact than home hero) */
.page-hero{position:relative;color:#eaf0fb;overflow:hidden;background:radial-gradient(120% 130% at 82% 0%,#20336a 0%,var(--navy) 44%,var(--navy-900) 100%)}
.page-hero::before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(55% 60% at 10% 95%,rgba(24,139,246,.20),transparent 60%),radial-gradient(40% 50% at 98% 10%,rgba(194,163,94,.15),transparent 60%)}
.page-hero::after{content:"";position:absolute;inset:0;opacity:.45;pointer-events:none;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:52px 52px;mask-image:radial-gradient(70% 70% at 50% 35%,#000,transparent 88%)}
.page-hero .wrap{position:relative;z-index:2;padding-top:clamp(48px,7vw,80px);padding-bottom:clamp(52px,7vw,84px)}
.page-hero.split .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center}
.page-hero h1{color:#fff;max-width:16ch}
.page-hero h1 .accent{color:var(--gold-light);font-style:italic}
.page-hero p.sub{font-size:1.15rem;color:#c3cee4;max-width:52ch;margin-top:16px}
.page-hero .hero-cta{margin-top:26px}
.page-hero .hero-eyebrow{color:var(--gold-light)}
.page-hero .hero-eyebrow::before{background:var(--gold-light)}
.page-hero-visual{position:relative;border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid rgba(255,255,255,.14)}
.page-hero-visual img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3.1}

/* Breadcrumb */
.crumbs{font-size:.85rem;color:#b7c2db;margin-bottom:16px;display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.crumbs a{color:#dbe3f4}.crumbs a:hover{color:var(--gold-light)}
.crumbs .sep{opacity:.5}

/* Prose / rich text blocks */
.prose{max-width:70ch}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.3em}
.prose ul,.prose ol{margin:0 0 1rem;padding-left:1.25rem;color:var(--muted)}
.prose li{margin-bottom:.5rem}
.prose li strong{color:var(--navy)}
.prose blockquote{margin:1.5rem 0;padding:20px 26px;border-left:4px solid var(--gold);background:var(--off);border-radius:0 12px 12px 0;font-family:var(--serif);font-size:1.2rem;color:var(--navy)}
.prose blockquote p{margin:0}

/* Two-column intro (problem/solution) */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.two-col.narrow{grid-template-columns:1.1fr .9fr}
.callout{background:var(--navy);color:#e7edfb;border-radius:18px;padding:34px 32px;position:relative;overflow:hidden;box-shadow:var(--shadow-md)}
.callout::after{content:"";position:absolute;bottom:-40px;right:-40px;width:180px;height:180px;border-radius:50%;background:radial-gradient(circle,rgba(194,163,94,.22),transparent 70%)}
.callout .eyebrow{color:var(--gold-light)}.callout .eyebrow::before{background:var(--gold-light)}
.callout h2,.callout h3{color:#fff}
.callout p{color:#c6d0e6;position:relative;z-index:1}
.callout p:last-child{margin-bottom:0}

/* Feature list (coverage types / strategies) */
.feature-list{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.feature-list.one{grid-template-columns:1fr}
.feature{display:flex;gap:16px;padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-sm);transition:border-color .2s ease,transform .2s ease,box-shadow .2s ease}
.feature:hover{border-color:#dbe0ea;transform:translateY(-3px);box-shadow:var(--shadow-md)}
.feature .ic{width:46px;height:46px;flex-shrink:0;border-radius:11px;background:linear-gradient(160deg,var(--navy),var(--blue-deep));display:flex;align-items:center;justify-content:center}
.feature .ic svg{width:23px;height:23px;stroke:var(--gold-light);fill:none}
.feature h3{font-size:1.1rem;margin-bottom:5px}
.feature p{color:var(--muted);margin-bottom:0;font-size:.96rem}

/* Simple checklist grid (who it's for / capabilities) */
.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 28px}
.check{display:flex;gap:12px;align-items:flex-start;font-size:1rem;color:var(--ink)}
.check svg{width:22px;height:22px;flex-shrink:0;stroke:var(--gold-deep);fill:none;margin-top:2px}
.check strong{color:var(--navy)}
.check span{color:var(--muted);font-size:.92rem;display:block}

/* Approach / pledge cards */
.pledge{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pledge .card h3{margin-bottom:6px}

/* Banner strip image */
.img-strip{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.img-strip img{width:100%;display:block}

/* About: beliefs */
.beliefs{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.belief{padding:26px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-sm);position:relative}
.belief .n{font-family:var(--serif);font-size:1.5rem;color:var(--gold);font-weight:700;margin-bottom:8px}
.belief h3{font-size:1.12rem;margin-bottom:6px}
.belief p{color:var(--muted);margin-bottom:0;font-size:.97rem}

/* About: layered structure */
.layers{display:flex;flex-direction:column;gap:18px}
.layer{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center;padding:26px 30px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}
.layer::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(180deg,var(--gold),var(--gold-light))}
.layer .lnum{width:60px;height:60px;border-radius:14px;background:linear-gradient(160deg,var(--navy),var(--blue-deep));color:var(--gold-light);font-family:var(--serif);font-size:1.4rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.layer h3{margin-bottom:4px}
.layer p{color:var(--muted);margin-bottom:0}

/* Leader / bio card with monogram */
.leader{display:grid;grid-template-columns:auto 1fr;gap:34px;align-items:start;padding:38px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:var(--shadow-md)}
.monogram{width:150px;height:150px;border-radius:20px;background:radial-gradient(120% 120% at 30% 20%,#22376e,var(--navy) 55%,var(--navy-900));color:var(--gold-light);font-family:var(--serif);font-size:3.2rem;font-weight:600;display:flex;align-items:center;justify-content:center;letter-spacing:.04em;box-shadow:var(--shadow-md);border:1px solid rgba(255,255,255,.12);position:relative;overflow:hidden;flex-shrink:0}
.monogram::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:22px 22px;opacity:.5}
.leader .role{color:var(--gold-deep);font-weight:700;font-size:.9rem;letter-spacing:.04em;text-transform:uppercase;margin:2px 0 12px}
.leader h3{font-size:1.6rem;margin-bottom:0}
.leader p{color:var(--muted)}
.leader p:last-child{margin-bottom:0}

/* Blog index cards (uniform) */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.blog-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .22s ease,box-shadow .22s ease;display:flex;flex-direction:column}
.blog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.blog-card a.cover{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--navy)}
.blog-card a.cover img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.blog-card:hover a.cover img{transform:scale(1.04)}
.blog-card .pbody{padding:24px;display:flex;flex-direction:column;flex:1}
.blog-card .cat{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px}
.blog-card h3{font-size:1.15rem;margin-bottom:10px;line-height:1.3}
.blog-card h3 a{color:var(--navy)}.blog-card h3 a:hover{color:var(--blue-deep)}
.blog-card .meta{font-size:.82rem;color:var(--muted);margin-top:auto;padding-top:14px;display:flex;gap:8px;align-items:center}
.blog-card .meta .dot{width:3px;height:3px;border-radius:50%;background:var(--muted);display:inline-block}

/* Article layout */
.article-header{position:relative;color:#eaf0fb;overflow:hidden;background:radial-gradient(120% 130% at 80% 0%,#20336a,var(--navy) 46%,var(--navy-900))}
.article-header::after{content:"";position:absolute;inset:0;opacity:.4;pointer-events:none;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:52px 52px;mask-image:radial-gradient(70% 70% at 50% 35%,#000,transparent 88%)}
.article-header .wrap{position:relative;z-index:2;padding-top:clamp(40px,6vw,68px);padding-bottom:clamp(40px,6vw,64px);max-width:820px}
.article-header .cat{color:var(--gold-light);font-weight:700;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px;display:block}
.article-header h1{color:#fff;font-size:clamp(1.9rem,3.8vw,2.9rem)}
.article-byline{display:flex;gap:14px;align-items:center;margin-top:22px;font-size:.92rem;color:#c3cee4;flex-wrap:wrap}
.article-byline .avatar{width:44px;height:44px;border-radius:50%;background:radial-gradient(120% 120% at 30% 20%,#22376e,var(--navy-900));color:var(--gold-light);font-family:var(--serif);font-weight:600;display:flex;align-items:center;justify-content:center;border:1px solid rgba(255,255,255,.14)}
.article-byline b{color:#fff;font-weight:700}
.article-byline .sep{opacity:.5}
.article-figure{max-width:900px;margin:-40px auto 0;position:relative;z-index:3;padding:0 24px}
.article-figure img{width:100%;border-radius:16px;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
.article-body{max-width:720px;margin:0 auto;padding:clamp(40px,6vw,64px) 24px}
.article-body p{font-size:1.09rem;color:#33405a}
.article-body h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:1.7em 0 .5em}
.article-body h3{font-size:1.25rem;margin:1.4em 0 .4em}
.article-body ul,.article-body ol{padding-left:1.3rem;margin:0 0 1.2rem}
.article-body li{margin-bottom:.6rem;color:#33405a;font-size:1.05rem}
.article-body li strong{color:var(--navy)}
.article-body blockquote{margin:1.6rem 0;padding:22px 28px;border-left:4px solid var(--gold);background:var(--off);border-radius:0 12px 12px 0}
.article-body blockquote p{margin:0;font-size:1.25rem;color:var(--navy);font-family:var(--serif)}
.article-lead{font-size:1.2rem !important;color:var(--muted) !important;font-family:var(--serif)}
.article-cta{margin:2.4em 0 0;background:radial-gradient(120% 140% at 15% 10%,#22376e,var(--navy) 50%,var(--navy-900));color:#eaf0fb;border-radius:18px;padding:36px 34px;text-align:center}
.article-cta h3{color:#fff;font-size:1.5rem;margin-bottom:8px}
.article-cta p{color:#c6d0e6;max-width:48ch;margin:0 auto 22px}
.article-sources{margin-top:2.4em;padding-top:22px;border-top:1px solid var(--line);font-size:.86rem;color:var(--muted)}
.article-sources h4{font-family:var(--sans);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);margin-bottom:10px}
.article-sources ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:6px}

/* Section intro (left aligned variant) */
.section-head.left{margin-left:0;margin-right:0;text-align:left;max-width:60ch}
.section-head.left .eyebrow{justify-content:flex-start}

/* Contact consent checkboxes */
.consent-check{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px;font-size:.86rem;color:var(--muted);line-height:1.5}
.consent-check input{width:20px;height:20px;flex-shrink:0;margin-top:2px;accent-color:var(--blue-deep)}
.consent-check label{font-weight:400;color:var(--muted);margin:0}

/* Booking note */
.booking-note{display:flex;gap:16px;align-items:flex-start;padding:22px 24px;border:1px solid var(--line);border-radius:12px;background:var(--off);margin-top:22px}
.booking-note .ic{width:44px;height:44px;flex-shrink:0;border-radius:11px;background:var(--navy);display:flex;align-items:center;justify-content:center}
.booking-note .ic svg{width:22px;height:22px;stroke:var(--gold-light);fill:none}
.booking-note strong{color:var(--navy);display:block;margin-bottom:2px}
.booking-note p{margin:0;color:var(--muted);font-size:.94rem}

/* Responsive additions */
@media (max-width:980px){
  .page-hero.split .wrap{grid-template-columns:1fr;gap:36px}
  .two-col,.two-col.narrow{grid-template-columns:1fr;gap:32px}
  .beliefs{grid-template-columns:1fr}
  .blog-grid{grid-template-columns:1fr 1fr}
  .pledge{grid-template-columns:1fr}
}
@media (max-width:860px){
  .feature-list,.check-grid{grid-template-columns:1fr}
  .leader{grid-template-columns:1fr;gap:22px;text-align:center;justify-items:center}
  .layer{grid-template-columns:1fr;text-align:center;justify-items:center}
}
@media (max-width:640px){
  .blog-grid{grid-template-columns:1fr}
  .article-figure{margin-top:-24px}
}