:root {
  --navy: #042055;
  --navy-2: #0a2255;
  --gold: #ad8a44;
  --text: #3b3b3b;
  --muted: #697080;
  --line: #c9ccd6;
  --soft: #f3f5fa;
  --ivory: #f7f1e6;
  --white: #ffffff;
  --shadow: 0 18px 42px rgba(4, 32, 85, 0.12);
  --heading: Georgia, "Times New Roman", serif;
  --body: Aptos, Calibri, "Segoe UI", system-ui, sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--white);
  color: var(--text);
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.65;
}

body.menu-open {
  overflow: hidden;
}

img,
svg {
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

p,
h1,
h2,
h3,
dl,
dd {
  margin: 0;
}

table {
  border-collapse: collapse;
  width: 100%;
}

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.skip-link {
  position: fixed;
  left: 16px;
  top: 16px;
  z-index: 20;
  padding: 10px 14px;
  background: var(--navy);
  color: var(--white);
  transform: translateY(-160%);
}

.skip-link:focus {
  transform: translateY(0);
}

.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;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid rgba(201, 204, 214, 0.82);
  backdrop-filter: blur(12px);
}

.site-header.is-scrolled {
  box-shadow: 0 8px 24px rgba(4, 32, 85, 0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 78px;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: 100px;
}

.brand-logo {
  width: auto;
  height: 72px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 24px;
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
}

.site-nav a {
  position: relative;
  padding: 8px 0;
}

.site-nav a:not(.nav-cta)::after {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 2px;
  height: 2px;
  background: var(--gold);
  content: "";
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 180ms ease;
}

.site-nav a:hover::after,
.site-nav a.is-active::after {
  transform: scaleX(1);
}

.nav-cta {
  min-height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 16px;
  background: var(--navy);
  color: var(--white);
  border: 1px solid var(--navy);
  border-radius: 5px;
}

.nav-cta:hover {
  background: var(--navy-2);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 5px;
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
}

.menu-toggle span:not(.sr-only) {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: currentColor;
}

.section {
  padding: 92px 0;
  border-top: 1px solid rgba(201, 204, 214, 0.5);
}

.hero {
  min-height: calc(100vh - 78px);
  display: flex;
  align-items: flex-start;
  padding: 66px 0 76px;
  border-bottom: 1px solid rgba(201, 204, 214, 0.7);
  border-top: 0;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(360px, 0.72fr);
  align-items: start;
  gap: 72px;
}

.section-kicker {
  margin-bottom: 16px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  color: var(--navy);
  font-family: var(--heading);
  line-height: 1.12;
}

h1 {
  max-width: 760px;
  font-size: 56px;
}

h2 {
  font-size: 40px;
}

h3 {
  font-size: 22px;
}

.hero-lede {
  max-width: 630px;
  margin-top: 24px;
  color: var(--text);
  font-size: 20px;
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.button {
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 24px;
  border-radius: 5px;
  border: 1px solid transparent;
  font-size: 15px;
  font-weight: 800;
  line-height: 1.2;
  transition: background 180ms ease, border-color 180ms ease, color 180ms ease, transform 180ms ease;
}

.button svg {
  width: 19px;
  height: 19px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.button:hover {
  transform: translateY(-1px);
}

.button-primary {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.button-primary:hover {
  background: var(--navy-2);
  color: var(--white);
}

.button-secondary {
  background: var(--white);
  border-color: var(--line);
  color: var(--navy);
}

.button-secondary:hover {
  background: var(--soft);
  border-color: var(--gold);
  color: var(--navy-2);
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 48px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.trust-strip div {
  min-height: 104px;
  padding: 20px 22px 18px 0;
  border-right: 1px solid var(--line);
}

.trust-strip div:last-child {
  border-right: 0;
  padding-right: 0;
  padding-left: 22px;
}

.trust-strip div:nth-child(2) {
  padding-left: 22px;
}

.trust-strip dt {
  color: var(--gold);
  font-family: var(--heading);
  font-size: 30px;
  font-weight: 700;
  line-height: 1;
}

.trust-strip dd {
  margin-top: 10px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.35;
}

.hero-panel {
  position: relative;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--soft);
  box-shadow: var(--shadow);
  padding: 38px;
  overflow: hidden;
}

.hero-panel::before {
  position: absolute;
  inset: 0 auto 0 0;
  width: 4px;
  background: var(--gold);
  content: "";
}

.logo-plaque {
  width: fit-content;
  max-width: 100%;
  padding: 10px;
  background: var(--white);
  border: 1px solid rgba(201, 204, 214, 0.95);
  border-radius: 6px;
  box-shadow: 0 10px 26px rgba(4, 32, 85, 0.08);
}

.panel-logo {
  width: 144px;
  height: auto;
}

.panel-rule {
  width: 100%;
  height: 2px;
  margin: 28px 0;
  background: var(--gold);
}

.hero-panel h2 {
  font-size: 28px;
}

.hero-panel p {
  margin-top: 14px;
  color: var(--text);
}

.cost-preview {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 30px;
}

.cost-row {
  border: 1px solid rgba(201, 204, 214, 0.92);
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.72);
}

.cost-row {
  min-height: 128px;
  padding: 18px;
}

.cost-row span {
  display: block;
  color: var(--navy);
  font-size: 13px;
  font-weight: 900;
  line-height: 1.25;
}

.cost-row strong {
  display: block;
  margin-top: 12px;
  color: var(--gold);
  font-family: var(--heading);
  font-size: 36px;
  line-height: 1;
}

.cost-row small {
  display: block;
  margin-top: 9px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.35;
}

.cost-row.is-featured {
  border-color: rgba(173, 138, 68, 0.58);
  background: var(--white);
  box-shadow: 0 12px 28px rgba(4, 32, 85, 0.08);
}

.section-heading {
  position: relative;
  padding-top: 18px;
  margin-bottom: 22px;
  border-top: 2px solid var(--gold);
}

.section-heading h2 {
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}

.wide-text {
  max-width: 960px;
  color: var(--text);
  font-size: 18px;
}

.about {
  background: var(--white);
}

.value-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
  margin-top: 42px;
}

.value-panel {
  min-height: 160px;
  padding: 28px 30px;
  background: var(--soft);
  border-left: 4px solid var(--gold);
  border-top: 1px solid rgba(201, 204, 214, 0.7);
  border-right: 1px solid rgba(201, 204, 214, 0.7);
  border-bottom: 1px solid rgba(201, 204, 214, 0.7);
  box-shadow: 0 14px 32px rgba(4, 32, 85, 0.06);
}

.value-panel p {
  margin-top: 12px;
}

.service-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(360px, 0.8fr);
  gap: 70px;
  align-items: start;
}

.service,
.fees,
.contact {
  background:
    linear-gradient(180deg, rgba(243, 245, 250, 0.68), rgba(255, 255, 255, 0) 160px),
    var(--white);
}

.service-list {
  display: grid;
  gap: 18px;
}

.service-list article {
  display: grid;
  grid-template-columns: 54px 1fr;
  column-gap: 18px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
  box-shadow: 0 12px 28px rgba(4, 32, 85, 0.05);
}

.service-list svg {
  width: 36px;
  height: 36px;
  color: var(--gold);
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.7;
}

.service-list h3 {
  font-size: 21px;
}

.service-list p {
  grid-column: 2;
  margin-top: 8px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.5;
}

.process {
  background:
    linear-gradient(180deg, var(--white), rgba(243, 245, 250, 0.58) 54%, var(--white));
}

.process-stack {
  display: grid;
  gap: 30px;
  margin-top: 48px;
}

.process-item {
  display: grid;
  grid-template-columns: 120px minmax(0, 1fr);
  min-height: 160px;
  border: 1px solid var(--line);
  background: var(--soft);
  box-shadow: 0 12px 26px rgba(4, 32, 85, 0.05);
}

.process-number {
  display: grid;
  place-items: center;
  background: var(--navy);
  color: var(--white);
  font-family: var(--heading);
  font-size: 36px;
  font-weight: 700;
}

.process-copy {
  padding: 26px 30px;
}

.process-copy p {
  margin-top: 10px;
}

.process-note {
  margin-top: 36px;
  padding: 30px;
  border: 1px solid var(--line);
  background: var(--ivory);
}

.process-note .section-kicker {
  margin-bottom: 10px;
}

.note-small {
  margin-top: 16px;
  font-style: italic;
}

.table-wrap {
  margin-top: 28px;
  overflow-x: auto;
  border-bottom: 1px solid var(--line);
}

.fees-table th {
  padding: 16px 20px;
  background: var(--navy);
  color: var(--white);
  font-size: 14px;
  text-align: left;
  text-transform: uppercase;
}

.fees-table th:nth-child(2),
.fees-table td:nth-child(2) {
  width: 150px;
  text-align: center;
}

.fees-table td {
  padding: 24px 20px;
  border-bottom: 1px solid rgba(201, 204, 214, 0.76);
  vertical-align: top;
}

.fees-table tbody tr:nth-child(2) {
  background: var(--soft);
}

.fees-table td:first-child {
  color: var(--navy);
  font-weight: 800;
}

.fee-percent {
  color: var(--gold);
  font-family: var(--heading);
  font-size: 28px;
  font-weight: 700;
}

.fees-cards {
  display: none;
}

.conditions-box {
  display: grid;
  gap: 12px;
  margin-top: 38px;
  padding: 28px 30px;
  border: 1px solid var(--line);
  background: var(--soft);
}

.diff-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(360px, 0.9fr);
  gap: 72px;
  align-items: start;
}

.check-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px 26px;
  padding: 10px 0 0;
  margin: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 32px;
  color: var(--text);
}

.check-list li::before {
  position: absolute;
  left: 0;
  top: 2px;
  color: var(--gold);
  content: "✓";
  font-size: 22px;
  font-weight: 800;
}

.factors {
  background: var(--navy);
  color: var(--white);
}

.section-heading.on-dark {
  border-top-color: var(--gold);
}

.section-heading.on-dark h2 {
  color: var(--white);
  border-bottom-color: rgba(255, 255, 255, 0.2);
}

.factor-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  margin-top: 42px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  background: rgba(255, 255, 255, 0.22);
}

.factor-grid article {
  min-height: 250px;
  padding: 30px;
  background: var(--navy);
}

.factor-grid span {
  color: var(--gold);
  font-family: var(--heading);
  font-size: 30px;
  font-weight: 700;
}

.factor-grid h3 {
  margin-top: 22px;
  color: var(--white);
}

.factor-grid p {
  margin-top: 14px;
  color: rgba(255, 255, 255, 0.82);
}

.contact-panel {
  display: grid;
  grid-template-columns: 0.85fr 1fr;
  margin-top: 42px;
  border: 1px solid var(--line);
}

.contact-brand {
  display: grid;
  place-items: center;
  min-height: 230px;
  padding: 34px;
  background: var(--navy);
}

.logo-plaque-large {
  padding: 18px;
  border-color: rgba(173, 138, 68, 0.65);
  box-shadow: 0 18px 42px rgba(0, 0, 0, 0.16);
}

.logo-plaque-large img {
  width: min(250px, 82vw);
  height: auto;
}

.contact-details {
  padding: 36px;
  background: var(--soft);
}

.contact-details h3 {
  font-size: 30px;
  font-style: italic;
}

.contact-details > p {
  margin-top: 4px;
  color: var(--gold);
  font-style: italic;
}

.contact-details ul {
  display: grid;
  gap: 12px;
  padding: 0;
  margin: 24px 0 0;
  list-style: none;
}

.contact-details li {
  display: flex;
  align-items: center;
  gap: 12px;
}

.contact-details svg {
  width: 20px;
  height: 20px;
  color: var(--text);
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.7;
}

.contact-details a:not(.button):hover {
  color: var(--navy);
  text-decoration: underline;
  text-decoration-color: var(--gold);
}

.contact-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.contact-actions .button-primary:hover,
.contact-actions .button-primary:focus-visible {
  color: var(--white);
  text-decoration: none;
}

.contact-actions .button-secondary:hover,
.contact-actions .button-secondary:focus-visible {
  text-decoration: none;
}

.site-footer {
  padding: 28px 0;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 14px;
}

.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}

.site-footer strong {
  color: var(--navy);
}

.footer-contact {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: flex-end;
}

.footer-contact a:hover {
  color: var(--navy);
  text-decoration: underline;
  text-decoration-color: var(--gold);
}

@media (max-width: 980px) {
  .container {
    width: min(100% - 32px, 760px);
  }

  .menu-toggle {
    display: block;
  }

  .site-nav {
    position: fixed;
    inset: 78px 16px auto;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 16px;
    background: var(--white);
    border: 1px solid var(--line);
    box-shadow: var(--shadow);
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    padding: 13px 4px;
  }

  .nav-cta {
    margin-top: 10px;
  }

  .hero {
    min-height: auto;
    padding: 46px 0 62px;
  }

  .hero-grid,
  .service-grid,
  .diff-grid,
  .contact-panel {
    grid-template-columns: 1fr;
    gap: 42px;
  }

  h1 {
    font-size: 46px;
  }

  h2 {
    font-size: 34px;
  }

  .trust-strip {
    grid-template-columns: 1fr;
  }

  .trust-strip div,
  .trust-strip div:nth-child(2),
  .trust-strip div:last-child {
    min-height: auto;
    padding: 18px 0;
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .trust-strip div:last-child {
    border-bottom: 0;
  }

  .value-grid,
  .check-list,
  .factor-grid {
    grid-template-columns: 1fr;
  }

  .process-item {
    grid-template-columns: 92px minmax(0, 1fr);
  }

  .footer-inner {
    align-items: flex-start;
    flex-direction: column;
  }

  .footer-contact {
    justify-content: flex-start;
  }
}

@media (max-width: 680px) {
  body {
    font-size: 16px;
  }

  .container {
    width: min(100% - 28px, 560px);
  }

  .header-inner {
    min-height: 70px;
  }

  .brand-logo {
    height: 62px;
  }

  .site-nav {
    top: 70px;
  }

  .section {
    padding: 62px 0;
  }

  .hero {
    padding-top: 36px;
  }

  h1 {
    font-size: 39px;
  }

  h2 {
    font-size: 30px;
  }

  h3 {
    font-size: 20px;
  }

  .hero-lede,
  .wide-text {
    font-size: 16px;
  }

  .hero-actions,
  .contact-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .button {
    width: 100%;
  }

  .hero-panel,
  .value-panel,
  .process-copy,
  .process-note,
  .conditions-box,
  .contact-details {
    padding: 24px;
  }

  .panel-logo {
    width: 140px;
  }

  .cost-preview {
    grid-template-columns: 1fr;
  }

  .cost-row {
    min-height: auto;
  }

  .service-list article {
    grid-template-columns: 1fr;
  }

  .service-list p {
    grid-column: 1;
  }

  .process-item {
    grid-template-columns: 1fr;
  }

  .process-number {
    min-height: 82px;
  }

  .table-wrap {
    display: none;
  }

  .fees-cards {
    display: grid;
    gap: 16px;
    margin-top: 26px;
  }

  .fees-cards article {
    padding: 24px;
    border: 1px solid var(--line);
    border-radius: 6px;
    background: var(--soft);
  }

  .fees-cards strong {
    display: block;
    margin: 12px 0 8px;
    color: var(--gold);
    font-family: var(--heading);
    font-size: 29px;
  }

  .factor-grid article {
    min-height: auto;
    padding: 26px;
  }

  .contact-brand {
    min-height: 180px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}