:root{
  --navy:#1f3a5f; --navy-900:#122540; --navy-700:#2b4c78; --ink:#16202e; --muted:#5b6676;
  --line:#e3e6ea; --bg:#ffffff; --paper:#f6f5f1; --gold:#c39545; --gold-soft:#f4ead7; --sage:#e9efe9;
  --radius:18px; --shadow:0 10px 30px -12px rgba(18,37,64,.25); --max:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy-700)}
h1,h2,h3,h4{line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em;color:var(--navy-900)}
h1{font-size:clamp(2.3rem,5vw,3.9rem);font-weight:800}
h2{font-size:clamp(1.8rem,3.4vw,2.7rem);font-weight:750}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.eyebrow::before{content:"";width:22px;height:2px;background:currentColor}
.lead{font-size:1.15rem;color:var(--muted)}
section{padding:96px 0}
.bg-paper{background:var(--paper)}
.center{text-align:center}
.section-head{max-width:720px;margin:0 auto 56px;text-align:center}
.section-head .eyebrow::after{content:"";width:22px;height:2px;background:currentColor}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 26px;border-radius:999px;font-weight:650;font-size:.98rem;text-decoration:none;transition:.2s;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--gold);color:#fff}
.btn-primary:hover{background:#ab7f34;transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-900)}
.btn-ghost{border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn svg{width:18px;height:18px}

/* top bar + header */
.topbar{background:var(--navy-900);color:#cfd8e6;font-size:.85rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:9px;padding-bottom:9px}
.topbar a{color:#fff;text-decoration:none}
.topbar .tb-items{display:flex;gap:22px;flex-wrap:wrap}
.topbar .tb-note{color:var(--gold-soft)}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line)}
header.site .container{display:flex;align-items:center;justify-content:space-between;height:78px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy-900)}
.brand img{width:48px;height:auto}
.brand b{display:block;font-size:1.08rem;font-weight:750;letter-spacing:-.01em;line-height:1.1}
.brand small{display:block;font-size:.72rem;color:var(--muted);letter-spacing:.12em;text-transform:uppercase;font-weight:600}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav.main a{display:block;padding:10px 14px;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:550;font-size:.95rem}
nav.main a:hover,nav.main a.active{background:var(--paper);color:var(--navy)}
nav.main a.active{box-shadow:inset 0 -2px 0 var(--gold)}
nav.main .btn{margin-left:10px;padding:11px 20px;color:#fff}
nav.main .btn:hover{background:var(--navy-900);color:#fff}
.menu-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.menu-toggle span{display:block;width:26px;height:2px;background:var(--navy);margin:6px 0;transition:.25s}

/* hero */
.hero{position:relative;color:#fff;padding:120px 0 140px;background:var(--navy-900);overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:url(../img/hero.jpg) center/cover;opacity:.35}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(18,37,64,.97) 25%,rgba(18,37,64,.6) 70%,rgba(18,37,64,.3))}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.25fr .9fr;gap:56px;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .lead{color:#d4dceb;max-width:560px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:22px;padding:28px;backdrop-filter:blur(8px)}
.hero-card h3{color:#fff;font-size:1.05rem;display:flex;align-items:center;gap:10px}
.hero-card .dot{width:9px;height:9px;border-radius:50%;background:#5fd18a;box-shadow:0 0 0 4px rgba(95,209,138,.25)}
.hero-card ul{list-style:none;padding:0;margin:14px 0 0}
.hero-card li{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-top:1px solid rgba(255,255,255,.12);font-size:.93rem;color:#d4dceb}
.hero-card li b{color:#fff;font-weight:600;text-align:right}
.hero-card .small{font-size:.8rem;color:#aab7cc;margin:14px 0 0}

/* page hero */
.page-hero{background:var(--navy-900);color:#fff;padding:84px 0 72px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(195,149,69,.35),transparent 65%)}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,4.4vw,3.3rem);margin-top:12px}
.page-hero p{color:#c9d3e3;max-width:640px;font-size:1.12rem;margin:0}
.crumbs{font-size:.85rem;color:#9fb0c8}
.crumbs a{color:#cfd8e6;text-decoration:none}

/* trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line);margin-top:-1px}
.trust .container{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.trust .item{padding:30px 22px;border-right:1px solid var(--line);display:flex;gap:14px;align-items:center}
.trust .item:last-child{border-right:0}
.trust .num{font-size:1.9rem;font-weight:800;color:var(--navy);letter-spacing:-.03em}
.trust .lbl{font-size:.88rem;color:var(--muted);line-height:1.35}

/* grids & cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.25s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent}
.icon{width:52px;height:52px;border-radius:14px;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center;margin-bottom:18px}
.icon svg{width:26px;height:26px}
.card p{color:var(--muted);font-size:.97rem}
.card .more{font-weight:650;text-decoration:none;font-size:.93rem;color:var(--navy)}
.card ul{padding-left:18px;color:var(--muted);font-size:.95rem;margin:0}
.card ul li{margin:4px 0}

.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.rev > :first-child{order:2}
.media{position:relative}
.media img{border-radius:24px;box-shadow:var(--shadow);aspect-ratio:4/3.3;object-fit:cover;width:100%}
.media .badge{position:absolute;left:-24px;bottom:28px;background:#fff;border-radius:16px;padding:18px 22px;box-shadow:var(--shadow);display:flex;gap:14px;align-items:center;max-width:290px}
.media .badge b{display:block;color:var(--navy-900)}
.media .badge span{font-size:.84rem;color:var(--muted)}
.checks{list-style:none;padding:0;margin:22px 0 30px}
.checks li{position:relative;padding-left:36px;margin:12px 0}
.checks li::before{content:"";position:absolute;left:0;top:3px;width:22px;height:22px;border-radius:50%;background:var(--sage) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232f6b45' stroke-width='3'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/13px no-repeat}

/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.step{position:relative;padding:28px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.step::before{counter-increment:s;content:"0" counter(s);font-size:.85rem;font-weight:800;color:var(--gold);letter-spacing:.1em;display:block;margin-bottom:14px}
.step h3{font-size:1.1rem}
.step p{color:var(--muted);font-size:.95rem;margin:0}

/* quote */
.quote{background:var(--navy);color:#fff;border-radius:28px;padding:64px;display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.quote::after{content:"\201C";position:absolute;right:40px;top:-40px;font-size:18rem;color:rgba(255,255,255,.06);font-family:Georgia,serif;line-height:1}
.quote blockquote{margin:0;font-size:clamp(1.25rem,2.2vw,1.6rem);line-height:1.45;font-weight:500;letter-spacing:-.01em}
.quote cite{display:block;margin-top:18px;font-style:normal;color:#c9d3e3;font-size:.95rem}
.stars{color:var(--gold);letter-spacing:3px;font-size:1.2rem}
.quote .rating{text-align:center;padding-right:40px;border-right:1px solid rgba(255,255,255,.15)}
.quote .rating .big{font-size:4rem;font-weight:800;line-height:1}
.quote .rating small{color:#c9d3e3}

/* news cards */
.news-card{display:flex;flex-direction:column;background:#fff;border-radius:var(--radius);border:1px solid var(--line);overflow:hidden;text-decoration:none;color:inherit;transition:.25s}
.news-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.news-card img{aspect-ratio:16/9;object-fit:cover}
.news-card .body{padding:24px;flex:1;display:flex;flex-direction:column}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--navy-700);background:#e8eef7;padding:5px 10px;border-radius:999px;margin-bottom:12px;align-self:flex-start}
.news-card h3{font-size:1.15rem}
.news-card p{color:var(--muted);font-size:.94rem;flex:1}
.news-card .more{font-weight:650;color:var(--navy);font-size:.92rem}

/* cta band */
.cta-band{background:linear-gradient(120deg,var(--navy-900),var(--navy-700));color:#fff;border-radius:28px;padding:60px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 8px}
.cta-band p{color:#c9d3e3;margin:0}

/* FAQ */
.faq{max-width:840px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{list-style:none;cursor:pointer;padding:18px 40px 18px 0;font-weight:650;font-size:1.06rem;position:relative;color:var(--navy-900)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:12px;font-size:1.6rem;font-weight:400;color:var(--gold);transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);margin:0 0 18px}

/* timeline (calendar) */
.timeline{position:relative;max-width:880px;margin:0 auto}
.timeline::before{content:"";position:absolute;left:111px;top:8px;bottom:8px;width:2px;background:var(--line)}
.tl-item{display:grid;grid-template-columns:96px 1fr;gap:40px;padding:14px 0;position:relative}
.tl-item::after{content:"";position:absolute;left:105px;top:30px;width:14px;height:14px;border-radius:50%;background:#fff;border:3px solid var(--gold)}
.tl-item.key::after{background:var(--gold)}
.tl-date{text-align:right;padding-top:14px}
.tl-date b{display:block;font-size:1.6rem;font-weight:800;color:var(--navy);line-height:1}
.tl-date span{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.tl-body{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px}
.tl-body h3{font-size:1.02rem;margin:0 0 4px}
.tl-body p{margin:0;color:var(--muted);font-size:.95rem}
.callout{background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:12px;padding:20px 24px;margin:24px 0;color:#5a4520}
.callout b{color:#3d2e12}
.breaks{display:flex;flex-wrap:wrap;gap:12px;margin-top:16px}
.breaks span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:.92rem;font-weight:550}

/* docs / resources */
.doc{display:flex;gap:18px;align-items:flex-start;padding:22px;background:#fff;border:1px solid var(--line);border-radius:14px;text-decoration:none;color:inherit;transition:.2s}
.doc:hover{border-color:var(--navy-700);box-shadow:var(--shadow)}
.doc .ficon{flex:none;width:46px;height:54px;border-radius:8px;background:#fbe9e7;color:#c0392b;display:grid;place-items:center;font-size:.7rem;font-weight:800;letter-spacing:.05em}
.doc h3{font-size:1rem;margin:0 0 4px}
.doc p{margin:0;font-size:.9rem;color:var(--muted)}
.links-col h3{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold);margin:28px 0 10px}
.links-col ul{list-style:none;padding:0;margin:0}
.links-col li a{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:500;font-size:.96rem}
.links-col li a:hover{color:var(--navy-700)}
.links-col li a::after{content:"\2197";color:var(--muted)}
.upload{background:var(--navy);color:#fff;border-radius:22px;padding:36px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.upload h3{color:#fff;margin:0 0 6px;font-size:1.35rem}
.upload p{color:#c9d3e3;margin:0}

/* article */
.article{max-width:780px;margin:0 auto}
.article h2{font-size:1.65rem;margin-top:2.2em;padding-top:.4em}
.article h3{margin-top:1.8em;font-size:1.2rem}
.article ul,.article ol{padding-left:22px}
.article li{margin:10px 0}
.article .meta{display:flex;gap:16px;align-items:center;color:var(--muted);font-size:.92rem;margin-bottom:32px;flex-wrap:wrap}
.article .note{background:#e8eef7;border-radius:12px;padding:18px 22px;color:var(--navy-900);font-size:.96rem}
.article table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.95rem}
.article th,.article td{border-bottom:1px solid var(--line);padding:12px 10px;text-align:left}
.article th{background:var(--paper);font-weight:650}
.toc{position:sticky;top:110px;font-size:.92rem}
.toc a{display:block;padding:7px 0 7px 14px;border-left:2px solid var(--line);color:var(--muted);text-decoration:none}
.toc a:hover{color:var(--navy);border-color:var(--gold)}
.article-wrap{display:grid;grid-template-columns:220px 1fr;gap:56px;max-width:1080px;margin:0 auto}
.disclaimer{font-size:.84rem;color:var(--muted);border-top:1px solid var(--line);margin-top:48px;padding-top:20px}

/* contact */
.info-list{list-style:none;padding:0;margin:0}
.info-list li{display:flex;gap:16px;padding:18px 0;border-bottom:1px solid var(--line)}
.info-list .icon{margin:0;width:44px;height:44px;flex:none}
.info-list .icon svg{width:20px;height:20px}
.info-list b{display:block;color:var(--navy-900)}
.info-list span,.info-list a{color:var(--muted);text-decoration:none}
.form{background:#fff;border:1px solid var(--line);border-radius:22px;padding:36px;box-shadow:var(--shadow)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form label{display:block;font-size:.85rem;font-weight:600;margin:0 0 6px;color:var(--navy-900)}
.form input,.form select,.form textarea{width:100%;padding:13px 14px;border:1px solid #d5dae1;border-radius:10px;font:inherit;font-size:.96rem;margin-bottom:16px;background:#fbfbfa}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--gold);border-color:transparent}
.hours{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.hours .card h3{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}
.pill{font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--sage);color:#2f6b45;padding:5px 10px;border-radius:999px}
.pill.alt{background:var(--gold-soft);color:#8a6420}
.map{border-radius:22px;overflow:hidden;border:1px solid var(--line);height:420px}
.map iframe{width:100%;height:100%;border:0}
.dir{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.dir .card h3{font-size:1rem}
.dir .card p{font-size:.93rem;margin:0}

/* footer */
footer.site{background:var(--navy-900);color:#b8c4d6;padding:72px 0 28px;font-size:.94rem}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}
footer.site h4{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.14em;margin-bottom:16px}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin:9px 0}
footer.site a{color:#b8c4d6;text-decoration:none}
footer.site a:hover{color:#fff}
footer.site .fbrand{display:flex;gap:14px;align-items:center;margin-bottom:16px}
footer.site .fbrand img{width:54px}
footer.site .fbrand b{color:#fff;font-size:1.1rem}
footer.site .bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.84rem;color:#8596ad}
.social{display:flex;gap:10px;margin-top:18px}
.social a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center}
.social svg{width:18px;height:18px;fill:#fff}

/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* responsive */
@media (max-width:1020px){
  nav.main{position:fixed;inset:78px 0 auto 0;background:#fff;border-bottom:1px solid var(--line);max-height:0;overflow:hidden;transition:max-height .35s ease;box-shadow:0 20px 30px -20px rgba(0,0,0,.2)}
  nav.main.open{max-height:80vh}
  nav.main ul{flex-direction:column;align-items:stretch;padding:12px 20px 22px;gap:2px}
  nav.main a{padding:13px 12px}
  nav.main .btn{margin:10px 0 0;justify-content:center}
  .menu-toggle{display:block}
  .menu-toggle.open span:nth-child(1){transform:translateY(8px) rotate(45deg)}
  .menu-toggle.open span:nth-child(2){opacity:0}
  .menu-toggle.open span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
  .hero .container,.split{grid-template-columns:1fr;gap:44px}
  .split.rev > :first-child{order:0}
  .g4,.steps{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .trust .container{grid-template-columns:repeat(2,1fr)}
  .trust .item:nth-child(2){border-right:0}
  .trust .item:nth-child(-n+2){border-bottom:1px solid var(--line)}
  footer.site .cols{grid-template-columns:1fr 1fr}
  .article-wrap{grid-template-columns:1fr}
  .toc{display:none}
  .media .badge{left:16px}
}
@media (max-width:680px){
  body{font-size:16px}
  section{padding:68px 0}
  .container{padding:0 20px}
  .topbar .tb-note,.topbar .hide-sm{display:none}
  .hero{padding:80px 0 90px}
  .g2,.g3,.g4,.steps,.hours,.dir,.form .row{grid-template-columns:1fr}
  .trust .item{padding:20px 14px;flex-direction:column;align-items:flex-start;gap:4px}
  .trust .num{font-size:1.5rem}
  .quote{grid-template-columns:1fr;padding:40px 28px;gap:24px}
  .quote .rating{border-right:0;padding:0;border-bottom:1px solid rgba(255,255,255,.15);padding-bottom:20px}
  .cta-band{padding:40px 28px}
  footer.site .cols{grid-template-columns:1fr}
  .timeline::before{left:7px}
  .tl-item{grid-template-columns:1fr;gap:8px;padding-left:34px}
  .tl-item::after{left:1px;top:20px}
  .tl-date{text-align:left;padding:0}
  .tl-date b{display:inline;font-size:1.15rem;margin-right:8px}
  .brand small{display:none}
  .brand b{font-size:1rem}
  .form{padding:24px}
  .upload{padding:28px}
}
@media (max-width:680px){.hero-card li{flex-direction:column;gap:2px}.hero-card li b{text-align:left}}