@charset "UTF-8";

:root {
  color-scheme: light;
  --ink: #172b43;
  --ink-soft: #42546a;
  --blue: #087e9d;
  --blue-dark: #075b73;
  --blue-pale: #eaf4f5;
  --cream: #f8f6f0;
  --paper: #ffffff;
  --line: #dce3e6;
  --gold: #e7bd58;
  --radius: 18px;
  --shadow: 0 18px 55px rgba(20, 42, 67, .09);
  font-family: "Aptos", "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  font-synthesis: none;
  text-rendering: optimizeLegibility;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; min-width: 320px; line-height: 1.65; color: var(--ink-soft); background: var(--paper); }
a { color: var(--blue-dark); text-underline-offset: .18em; }
a:hover { color: var(--blue); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--gold); outline-offset: 3px;
}
img, svg { max-width: 100%; }
img { display: block; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.skip-link { position: absolute; left: 1rem; top: -5rem; z-index: 100; background: var(--ink); color: white; padding: .7rem 1rem; border-radius: 8px; }
.skip-link:focus { top: 1rem; }
.container { width: min(1160px, calc(100% - 2.5rem)); margin-inline: auto; }
.eyebrow { margin: 0 0 .8rem; color: var(--blue-dark); font-size: .78rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.topbar { background: var(--ink); color: #eef4f6; font-size: .88rem; }
.topbar-inner { min-height: 42px; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.topbar a { color: white; text-decoration: none; font-weight: 650; }
.site-header { position: relative; z-index: 5; background: rgba(255,255,255,.97); border-bottom: 1px solid var(--line); }
.header-inner { min-height: 94px; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.brand { display: inline-flex; width: min(390px, 55vw); align-items: center; text-decoration: none; }
.brand img { width: 100%; height: auto; }
.nav { display: flex; align-items: center; gap: .2rem; }
.nav a { color: var(--ink); text-decoration: none; font-size: .91rem; font-weight: 700; padding: .7rem .75rem; border-radius: 999px; white-space: nowrap; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--blue-dark); background: var(--blue-pale); }
.nav-cta { margin-left: .35rem; color: white !important; background: var(--blue-dark) !important; padding-inline: 1rem !important; }
.nav-cta:hover { background: var(--ink) !important; }
.menu-toggle { display: none; border: 1px solid var(--line); border-radius: 10px; background: white; color: var(--ink); padding: .55rem .75rem; font-weight: 700; }

.hero { overflow: hidden; background: var(--cream); }
.hero-inner { display: grid; grid-template-columns: minmax(0, 1.18fr) minmax(300px, .82fr); align-items: center; gap: clamp(2.2rem, 6vw, 5.5rem); padding-block: clamp(4rem, 8vw, 7.2rem); }
.hero h1 { max-width: 760px; margin: 0; color: var(--ink); font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.8rem, 6.5vw, 5.5rem); font-weight: 500; line-height: 1.04; letter-spacing: -.045em; }
.hero h1 span { color: var(--blue-dark); }
.hero-copy { max-width: 660px; margin: 1.5rem 0 0; font-size: clamp(1.05rem, 1.5vw, 1.25rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 2rem; }
.button { display: inline-flex; min-height: 50px; align-items: center; justify-content: center; gap: .5rem; border: 1px solid transparent; border-radius: 999px; padding: .75rem 1.35rem; color: white; background: var(--blue-dark); text-decoration: none; font-weight: 750; transition: transform .18s ease, background .18s ease; }
.button:hover { color: white; background: var(--ink); transform: translateY(-1px); }
.button.secondary { color: var(--ink); background: transparent; border-color: #aebdc5; }
.button.secondary:hover { background: white; color: var(--ink); }
.hero-art { min-height: 360px; position: relative; display: grid; place-items: center; }
.orbit { width: min(100%, 440px); aspect-ratio: 1; position: relative; border-radius: 50%; border: 1px solid #cfdbda; background: radial-gradient(circle at 50% 48%, #fff 0 25%, transparent 25.5%), radial-gradient(circle at 50% 50%, rgba(8,126,157,.1) 0 49%, transparent 49.5%); }
.orbit::before, .orbit::after { content: ""; position: absolute; border: 1px solid #c8d8d8; border-radius: 50%; inset: 13%; }
.orbit::after { inset: 27%; border-color: #dbe4df; }
.orbit-core { position: absolute; z-index: 1; inset: 0; display: grid; place-items: center; text-align: center; padding: 2rem; }
.orbit-core strong { display: block; color: var(--ink); font: 500 clamp(1.9rem, 3vw, 2.6rem)/1.1 Georgia, serif; }
.orbit-core span { display: block; max-width: 190px; margin: .65rem auto 0; font-size: .92rem; }
.orbit-core-link { display: inline-block; margin-top: .8rem; color: var(--blue-dark); font-size: .88rem; font-weight: 800; text-underline-offset: .2em; }
.orbit-label { position: absolute; z-index: 2; display: inline-flex; align-items: center; gap: .5rem; padding: .55rem .8rem; border: 1px solid var(--line); border-radius: 999px; background: white; color: var(--ink); box-shadow: 0 8px 24px rgba(20,42,67,.08); font-size: .83rem; font-weight: 750; text-decoration: none; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.orbit-label:hover { color: var(--blue-dark); border-color: #a9c9d0; box-shadow: 0 12px 28px rgba(20,42,67,.13); transform: translateY(-2px); }
.orbit-label::before { content:""; width: 8px; height: 8px; background: var(--gold); border-radius: 50%; }
.orbit-label.one { top: 5%; left: 15%; }
.orbit-label.two { top: 33%; right: -1%; }
.orbit-label.three { bottom: 14%; right: 8%; }
.orbit-label.four { bottom: 7%; left: 6%; }
.trust-strip { border-bottom: 1px solid var(--line); background: white; }
.trust-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-block: 1.15rem; color: var(--ink-soft); font-size: .91rem; }
.trust-inner span { display: inline-flex; align-items: center; gap: .55rem; }
.trust-inner b { color: var(--blue-dark); }

.section { padding-block: clamp(4rem, 7vw, 6rem); }
.section.soft { background: #f5f8f8; }
.section.cream { background: var(--cream); }
.section-heading { max-width: 740px; margin-bottom: 2.2rem; }
.section h2, .page-hero h1 { margin: 0; color: var(--ink); font: 500 clamp(2.1rem, 4.2vw, 3.5rem)/1.13 Georgia, "Times New Roman", serif; letter-spacing: -.03em; }
.section-heading > p:last-child { max-width: 650px; margin: .9rem 0 0; font-size: 1.07rem; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.service-card { display: flex; min-height: 285px; flex-direction: column; align-items: flex-start; padding: 1.6rem; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: 0 6px 22px rgba(20,42,67,.035); }
.card-number { width: 42px; height: 42px; display: grid; place-items: center; margin-bottom: 2rem; border-radius: 50%; color: var(--blue-dark); background: var(--blue-pale); font-weight: 800; }
.service-card h3 { margin: 0; color: var(--ink); font: 500 1.65rem/1.2 Georgia, serif; }
.service-card p { margin: .7rem 0 1.4rem; }
.text-link { margin-top: auto; color: var(--blue-dark); font-weight: 800; text-decoration-thickness: 1px; }
.journey-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 0; padding: 0; list-style: none; }
.journey-card { min-height: 245px; padding: 1.55rem; border: 1px solid var(--line); border-radius: var(--radius); background: white; }
.journey-number { display: grid; width: 42px; height: 42px; place-items: center; border-radius: 50%; color: var(--blue-dark); background: var(--blue-pale); font-weight: 800; }
.journey-card h3 { margin: 1.25rem 0 .55rem; color: var(--ink); font: 500 1.5rem/1.2 Georgia, serif; }
.journey-card p { margin: 0; }
.journey-note { max-width: 760px; margin: 1.25rem 0 0; padding: 1rem 1.25rem; border-left: 3px solid var(--gold); background: white; color: var(--ink); }
.split { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.split-panel { padding: clamp(1.7rem, 4vw, 3.2rem); border-radius: var(--radius); background: var(--ink); color: #eaf0f3; }
.split-panel h2 { color: white; }
.split-panel .eyebrow { color: #a9d9e3; }
.split-panel p { margin-bottom: 0; }
.check-list { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem 1rem; margin: 1.4rem 0 0; padding: 0; list-style: none; }
.check-list li { display: flex; gap: .6rem; align-items: flex-start; }
.check-list li::before { content: "✓"; color: #0b7c92; font-weight: 900; }
.quote-card { padding: 1.7rem; border-left: 4px solid var(--gold); background: white; color: var(--ink); font: 500 1.35rem/1.5 Georgia, serif; }
.quote-card small { display: block; margin-top: .9rem; color: var(--ink-soft); font: 700 .83rem/1.4 "Aptos", "Segoe UI", Arial, sans-serif; }
.cta-band { display: flex; align-items: center; justify-content: space-between; gap: 2rem; padding: clamp(1.6rem, 4vw, 3rem); border-radius: var(--radius); background: var(--blue-pale); }
.cta-band h2 { max-width: 670px; font-size: clamp(1.8rem, 3.3vw, 2.7rem); }
.cta-band p { margin: .6rem 0 0; }

.page-hero { padding-block: clamp(3.5rem, 7vw, 6rem); background: var(--cream); }
.page-hero-inner { max-width: 880px; }
.page-hero h1 { max-width: 860px; font-size: clamp(2.7rem, 6vw, 4.8rem); }
.page-hero p:not(.eyebrow) { max-width: 720px; margin: 1.1rem 0 0; font-size: 1.14rem; }
.content-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 3rem; align-items: start; }
.prose { max-width: 760px; }
.prose h2 { margin: 2.3rem 0 .8rem; color: var(--ink); font: 500 2rem/1.2 Georgia, serif; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 1.6rem 0 .45rem; color: var(--ink); font-size: 1.1rem; }
.prose p, .prose li { font-size: 1.02rem; }
.prose ul { padding-left: 1.2rem; }
.callout { padding: 1.35rem; border-radius: 14px; background: var(--blue-pale); }
.callout strong { color: var(--ink); }
.aside-card { position: sticky; top: 1rem; padding: 1.4rem; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: var(--shadow); }
.aside-card h2 { margin: 0; color: var(--ink); font: 500 1.6rem/1.2 Georgia, serif; }
.aside-card p { margin: .7rem 0 1rem; }
.aside-card .button { width: 100%; margin-top: .55rem; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; counter-reset: steps; }
.step { padding: 1.4rem; border-top: 3px solid var(--gold); background: white; }
.step h3 { margin: 0 0 .5rem; color: var(--ink); font: 500 1.35rem Georgia, serif; }
.step p { margin: 0; }
.contact-layout { display: grid; grid-template-columns: minmax(0, 1fr) minmax(270px, .72fr); gap: 2rem; align-items: start; }
.form-card, .contact-card { padding: clamp(1.3rem, 3vw, 2rem); border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: 0 8px 28px rgba(20,42,67,.05); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field { display: grid; gap: .38rem; }
.field.full { grid-column: 1 / -1; }
.field label { color: var(--ink); font-size: .92rem; font-weight: 750; }
.field input, .field select, .field textarea { width: 100%; min-height: 48px; border: 1px solid #b9c6cb; border-radius: 9px; padding: .7rem .8rem; color: var(--ink); background: white; }
.field textarea { min-height: 110px; resize: vertical; }
.form-note { margin: .9rem 0 1rem; font-size: .86rem; }
.form-status { margin-top: 1rem; color: var(--blue-dark); font-weight: 700; }
.contact-card h2 { margin: 0; color: var(--ink); font: 500 1.8rem Georgia, serif; }
.contact-method { padding: 1rem 0; border-bottom: 1px solid var(--line); }
.contact-method strong { display: block; color: var(--ink); }
.contact-method a { font-size: 1.1rem; font-weight: 750; }
.contact-method:last-child { border: 0; }
details { padding: 1rem 0; border-bottom: 1px solid var(--line); }
summary { color: var(--ink); font-weight: 750; cursor: pointer; }
details p { margin: .7rem 0 0; }

.site-footer { padding-block: 3rem 1.4rem; color: #d8e1e7; background: #12263d; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 2rem; padding-bottom: 2rem; }
.footer-brand { max-width: 350px; padding: .5rem; border-radius: 10px; background: white; }
.footer-grid h2 { margin: 0 0 .8rem; color: white; font-size: 1rem; }
.footer-grid a { color: #d8e1e7; }
.footer-links { display: grid; gap: .45rem; }
.footer-risk { padding: 1rem 0; border-top: 1px solid rgba(255,255,255,.2); border-bottom: 1px solid rgba(255,255,255,.2); color: #f5f7f8; font-size: .83rem; }
.footer-regulatory { margin: 1rem 0 0; font-size: .8rem; }
.footer-bottom { display: flex; justify-content: space-between; gap: 1rem; padding-top: 1rem; font-size: .79rem; }

@media (max-width: 980px) {
  .header-inner { gap: 1rem; }
  .brand { width: min(340px, 47vw); }
  .nav a { padding-inline: .55rem; font-size: .84rem; }
  .hero-inner { grid-template-columns: 1fr .85fr; }
  .content-grid { grid-template-columns: minmax(0, 1fr) 280px; gap: 1.5rem; }
}
@media (max-width: 760px) {
  .container { width: min(100% - 2rem, 600px); }
  .topbar-inner { min-height: 38px; justify-content: center; }
  .topbar-inner span:first-child { display: none; }
  .header-inner { min-height: 78px; }
  .brand { width: min(330px, 70vw); }
  .menu-toggle { display: inline-flex; align-items: center; gap: .5rem; }
  .nav { display: none; position: absolute; inset: calc(100% - 1px) 0 auto; padding: .7rem 1rem 1rem; background: white; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  .nav[data-open="true"] { display: grid; }
  .nav a { padding: .8rem 1rem; border-radius: 9px; font-size: .96rem; }
  .nav-cta { margin: .2rem 0 0; text-align: center; }
  .hero-inner { grid-template-columns: 1fr; padding-block: 3.8rem; }
  .hero-art { min-height: 300px; }
  .orbit { width: min(88vw, 350px); }
  .orbit-label.two { right: -2%; }
  .trust-inner { flex-wrap: wrap; justify-content: center; text-align: center; }
  .cards, .journey-steps { grid-template-columns: 1fr; }
  .service-card { min-height: auto; }
  .service-card .card-number { margin-bottom: 1.1rem; }
  .journey-card { min-height: auto; }
  .split, .content-grid, .contact-layout { grid-template-columns: 1fr; }
  .aside-card { position: static; }
  .steps { grid-template-columns: 1fr; }
  .cta-band { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: clamp(2.65rem, 13vw, 3.7rem); }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .button { width: 100%; }
  .orbit-label { font-size: .74rem; padding: .42rem .58rem; }
  .orbit-label.one { left: 4%; }
  .orbit-label.two { right: -6%; }
  .orbit-label.three { right: -3%; bottom: 9%; }
  .orbit-label.four { left: -4%; bottom: 4%; }
  .check-list, .form-grid, .footer-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; }
}
.home-risk { margin-top: 1rem; padding-block: .85rem; font-size: .9rem; }
.footer-legal { display: flex; flex-wrap: wrap; gap: .6rem 1.25rem; margin-top: .75rem; font-size: .82rem; }
.footer-legal a { color: #d5eaf0; }
.footer-bottom a { color: #d5eaf0; }
.footer-bottom a:hover { color: #fff; }
.prose small { color: var(--ink-soft); }