:root{
  --navy:#1B2A4A; --navy-2:#13203A; --gold:#E0A526; --gold-2:#C68F17;
  --paper:#FBFAF7; --paper-2:#F3F2EC; --ink:#1B2A4A; --slate:#5B6B85; --rule:#DDE2EA; --white:#fff;
  --serif:"Lora",Georgia,"Times New Roman",serif; --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --max:1100px; --gutter:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.6 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(34px,5vw,52px)}
h2{font-size:clamp(26px,3.4vw,36px)}
h3{font-size:22px}
p{margin:0 0 1em;max-width:62ch}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.num{font-variant-numeric:tabular-nums}

/* header */
.top{background:var(--white);border-bottom:1px solid var(--rule);position:sticky;top:0;z-index:50}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font:600 20px/1 var(--sans);letter-spacing:-.02em}
.brand svg{width:36px;height:36px}
.nav{display:flex;gap:26px;align-items:center}
.nav a:not(.btn){text-decoration:none;font-weight:500;font-size:15px;color:var(--ink)}
.nav a.btn{text-decoration:none;color:#fff}
.nav a[aria-current=page]{box-shadow:inset 0 -2px 0 var(--gold)}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;font-size:15px;padding:12px 20px;border-radius:6px;border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--navy-2)}
.btn.gold{background:var(--gold);color:var(--navy)}
.btn.gold:hover{background:var(--gold-2)}
.btn.ghost{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 2px var(--navy)}
.btn.ghost:hover{background:#fff}
.btn.big{font-size:17px;padding:15px 26px}
.menu-btn{display:none;background:none;border:0;font-size:28px;line-height:1;cursor:pointer;color:var(--navy)}
.mobile{display:none;background:#fff;border-bottom:1px solid var(--rule)}
.mobile a{display:block;padding:14px var(--gutter);text-decoration:none;font-weight:500;border-top:1px solid var(--rule)}
@media (max-width:860px){.nav{display:none}.menu-btn{display:block}.mobile.open{display:block}}

/* hero */
.hero{padding:64px 0 48px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{margin-bottom:18px}
.lede{font-size:20px;color:var(--ink);max-width:48ch}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 14px}
.fine{font-size:14px;color:var(--slate);margin:0}
@media (max-width:860px){.hero{padding:40px 0 32px}.hero .wrap{grid-template-columns:1fr;gap:34px}}

/* statement (the hero artifact) */
.stmt{background:#fff;border:1px solid var(--rule);border-radius:10px;box-shadow:0 20px 50px -30px rgba(27,42,74,.35);padding:26px 28px;font-size:15px;max-width:460px;justify-self:end;width:100%}
.stmt-head{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:2px solid var(--navy);padding-bottom:12px;margin-bottom:14px}
.stmt-head strong{font-family:var(--serif);font-size:18px;display:block}
.stmt-head span{color:var(--slate);font-size:13px}
.stmt-tag{font-size:12px;color:var(--slate);border:1px solid var(--rule);border-radius:4px;padding:2px 8px;white-space:nowrap}
.stmt table{width:100%;border-collapse:collapse}
.stmt td{padding:7px 0;border-bottom:1px solid var(--rule);vertical-align:top}
.stmt td:last-child{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.stmt tr.total td{border-bottom:0;border-top:2px solid var(--navy);padding-top:12px;font-weight:700;font-size:17px}
.stmt tr.total td:last-child{color:var(--navy)}
.stmt .muted{color:var(--slate)}
.stmt-foot{margin:14px 0 0;font-size:12.5px;color:var(--slate)}
@media (max-width:860px){.stmt{justify-self:stretch;max-width:none}}

/* sections */
section{padding:56px 0}
section.tint{background:var(--paper-2)}
section.navy{background:var(--navy);color:#fff}
section.navy h2,section.navy h3{color:#fff}
section.navy p{color:#D7DEEA}
section.navy a{color:#fff}
.section-head{max-width:62ch;margin-bottom:28px}
.section-head p{color:var(--slate);font-size:18px}

/* ledger: two options */
.ledger{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--rule);border-radius:10px;overflow:hidden;background:#fff}
.ledger > div{padding:28px}
.ledger > div + div{border-left:1px solid var(--rule)}
.ledger h3{margin-bottom:6px}
.ledger .big{font-family:var(--serif);font-size:40px;line-height:1;margin:14px 0 6px;color:var(--navy);font-variant-numeric:tabular-nums}
.ledger .sub{color:var(--slate);font-size:15px;margin-bottom:16px}
.ledger ul{margin:0;padding-left:18px}
.ledger li{margin:6px 0}
.ledger .fit{margin-top:16px;padding-top:14px;border-top:1px solid var(--rule);font-size:15px;color:var(--slate)}
@media (max-width:760px){.ledger{grid-template-columns:1fr}.ledger > div + div{border-left:0;border-top:1px solid var(--rule)}}

/* steps (a real sequence) */
.steps{counter-reset:s;list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.steps li{counter-increment:s;position:relative;padding-top:52px}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:40px;height:40px;border-radius:50%;background:var(--gold);color:var(--navy);font:700 18px/40px var(--sans);text-align:center}
.steps strong{display:block;font-size:18px;margin-bottom:6px;font-family:var(--serif);font-weight:600}
.steps p{font-size:15.5px;color:var(--slate);margin:0}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* audience strips */
.who{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--rule)}
.who a{display:block;padding:26px 24px 26px 0;text-decoration:none;border-bottom:1px solid var(--rule);color:var(--ink)}
.who a + a{padding-left:24px;border-left:1px solid var(--rule)}
.who strong{font-family:var(--serif);font-size:21px;display:block;margin-bottom:6px}
.who span{color:var(--slate);font-size:15.5px;display:block;max-width:34ch}
.who em{display:block;margin-top:12px;font-style:normal;font-weight:600;font-size:15px;text-decoration:underline;text-underline-offset:3px}
@media (max-width:760px){.who{grid-template-columns:1fr}.who a + a{padding-left:0;border-left:0}}

/* quotes */
.quotes{display:grid;grid-template-columns:1fr 1fr;gap:34px 48px}
blockquote{margin:0;font-family:var(--serif);font-size:20px;line-height:1.5}
blockquote p{max-width:none}
blockquote footer{font-family:var(--sans);font-size:14.5px;color:var(--slate);margin-top:10px}
blockquote footer b{color:var(--ink);font-weight:600}
@media (max-width:760px){.quotes{grid-template-columns:1fr}}

/* facts row */
.facts{display:flex;gap:40px;flex-wrap:wrap;padding:22px 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);margin-top:28px}
.facts div{font-size:15px;color:var(--slate)}
.facts b{display:block;font-family:var(--serif);font-size:30px;color:var(--navy);font-variant-numeric:tabular-nums;line-height:1.1}

/* region */
.region{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.states{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 0;padding:0;list-style:none}
.states li{background:#fff;border:1px solid var(--rule);border-radius:999px;padding:6px 14px;font-size:15px}
.states li.home{background:var(--navy);color:#fff;border-color:var(--navy)}
@media (max-width:760px){.region{grid-template-columns:1fr}}

/* faq */
.faq{border-top:1px solid var(--rule)}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{cursor:pointer;padding:18px 0;font-weight:600;font-size:18px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:24px;line-height:1;flex:none}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 0 18px;color:var(--ink);max-width:66ch}

/* prose pages */
.prose > *{max-width:68ch}
.prose h2{margin-top:40px}
.prose ul{padding-left:20px}
.prose li{margin:6px 0}
.callout{background:#fff;border-left:4px solid var(--gold);padding:16px 20px;border-radius:0 8px 8px 0;margin:24px 0}
.callout p{margin:0}

/* form */
.form{background:#fff;border:1px solid var(--rule);border-radius:10px;padding:30px;max-width:720px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:620px){.form .row{grid-template-columns:1fr}}
.fg{margin-bottom:16px}
label{display:block;font-weight:600;font-size:14.5px;margin-bottom:6px}
label small{font-weight:400;color:var(--slate)}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:11px 12px;border:1px solid #B9C2D0;border-radius:6px;background:#fff;color:var(--ink)}
textarea{min-height:120px;resize:vertical}
input[type=file]{padding:8px;background:var(--paper-2)}
.error-message{color:#A32D2D;font-size:14px;margin:6px 0 0}
input.error,select.error,textarea.error{border-color:#A32D2D}
.hp{position:absolute;left:-9999px}
.after{font-size:14.5px;color:var(--slate);margin-top:14px}
.contact-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:start}
.contact-side p{font-size:16px}
.contact-side .tel{font-family:var(--serif);font-size:28px;text-decoration:none;display:inline-block;margin:4px 0 2px}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}

/* footer */
footer{border-top:1px solid var(--rule);padding:34px 0 40px;font-size:14.5px;color:var(--slate)}
footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
footer a{color:var(--slate)}
footer nav{display:flex;gap:18px;flex-wrap:wrap}

/* chat FAB offset so Retell widget doesn't fight the sticky header */
#retell-widget-root{position:relative;z-index:60}