:root{
  --navy:#0C2740; --navy-2:#123B5E; --slate:#33465A; --paper:#F2F5F8; --paper-2:#E9EEF3;
  --white:#FFFFFF; --gold:#C08A26; --gold-2:#E0A73C; --line:#DEE5EC; --muted:#5C6B7A; --soft:#8A98A6;
  --maxw:1120px; --r:14px;
  --f-disp:'Fraunces',Georgia,serif; --f-body:'Inter',system-ui,-apple-system,sans-serif; --f-mono:'IBM Plex Mono',ui-monospace,monospace;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--f-body);color:var(--navy);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--f-mono);font-size:.72rem;font-weight:500;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);display:inline-block}
h1,h2,h3{font-family:var(--f-disp);font-weight:600;letter-spacing:-.01em;color:var(--navy)}
h1{font-size:clamp(2.3rem,5.2vw,4rem);line-height:1.04}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem);line-height:1.1}
h3{font-size:1.18rem;line-height:1.2}
.accent{color:var(--gold);font-style:italic}
p{color:var(--slate)}
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--f-body);font-weight:700;font-size:.97rem;padding:.92rem 1.5rem;border-radius:11px;border:1.6px solid transparent;cursor:pointer;transition:transform .12s,background .15s,border-color .15s}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold-2);color:#22160a;border-color:var(--gold-2)}
.btn-gold:hover{background:var(--gold)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-outline:hover{border-color:var(--navy)}
.btn-ghostlight{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-ghostlight:hover{background:rgba(255,255,255,.1)}
.nav{position:sticky;top:0;z-index:50;background:rgba(12,39,64,.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.09)}
.nav .container{display:flex;align-items:center;justify-content:space-between;height:72px}
.nav-logo img{height:30px}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a.tab{font-family:var(--f-mono);font-size:.73rem;letter-spacing:.11em;text-transform:uppercase;color:#AEBECE;padding-bottom:3px;border-bottom:2px solid transparent}
.nav-links a.tab:hover{color:#fff}
.nav-links a.tab.active{color:#fff;border-bottom-color:var(--gold-2)}
.nav-cta{font-family:var(--f-body);font-weight:700;font-size:.86rem;padding:9px 18px;border-radius:10px;background:var(--gold-2);color:#22160a}
.nav .container{position:relative}.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;background:transparent;border:none;cursor:pointer;padding:11px}.nav-toggle span{display:block;height:2px;width:22px;background:#fff;border-radius:2px;transition:transform .2s,opacity .2s}.nav-toggle.x span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-toggle.x span:nth-child(2){opacity:0}.nav-toggle.x span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}@media(max-width:880px){.nav-toggle{display:flex}.nav-links{position:absolute;top:72px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;gap:0;padding:6px 0 12px;border-bottom:1px solid rgba(255,255,255,.12);display:none;box-shadow:0 20px 30px rgba(0,0,0,.25)}.nav-links.open{display:flex}.nav-links a.tab{display:block;padding:13px 24px;font-size:.82rem;border-bottom:none}.nav-links a.tab.active{border-bottom:none;color:var(--gold-2)}.nav-cta{margin:10px 24px 4px;text-align:center}}
.hero{padding:5rem 0 3.5rem}
.hero .eyebrow{margin-bottom:1.3rem}
.hero h1{max-width:17ch}
.hero .lead{font-size:1.16rem;max-width:48ch;margin:1.4rem 0 2rem}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.reassure{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.05em;color:var(--muted);margin-top:1rem}
.reassure b{color:var(--gold)}
.ticker{margin-top:2.6rem;border-top:1px solid var(--line);padding-top:1.1rem;display:flex;gap:2.2rem;flex-wrap:wrap;font-family:var(--f-mono);font-size:.74rem;letter-spacing:.04em;color:var(--muted)}
.ticker .now{color:var(--gold)}
.trustbar{background:var(--navy);color:#fff}
.trustbar .container{display:flex;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;padding-top:1.1rem;padding-bottom:1.1rem;font-family:var(--f-mono);font-size:.74rem;letter-spacing:.06em;color:#C6D4E2}
.trustbar span{display:flex;align-items:center;gap:.5rem}
.trustbar b{color:var(--gold-2);font-weight:600}
.section{padding:4.8rem 0;border-top:1px solid var(--line)}
.section.dark{background:var(--navy);color:#fff;border-top:none}
.section.dark h2,.section.dark h3{color:#fff}
.section.dark p{color:#B7C6D6}
.section.dark .eyebrow{color:var(--gold-2)}
.section-head{max-width:58ch;margin-bottom:2.6rem}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head .eyebrow{margin-bottom:.9rem}
.section-head p{margin-top:.7rem;font-size:1.05rem}
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:1fr 1fr}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:860px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:1.7rem 1.6rem;transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(12,39,64,.09)}
.card .lbl{font-family:var(--f-mono);font-size:.66rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold);display:block;margin-bottom:1rem}
.card h3{margin-bottom:.45rem}
.card p{font-size:.95rem;color:var(--muted)}
.prob{background:#FBEDE7;border:1px solid #F2D6C9;border-radius:var(--r);padding:1.5rem 1.5rem}
.prob .lbl{font-family:var(--f-mono);font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:#B4552F;display:block;margin-bottom:.7rem}
.prob h3{color:#8A3C1E;font-size:1.05rem;margin-bottom:.35rem}
.prob p{color:#7A5245;font-size:.93rem}
.path{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:720px){.path{grid-template-columns:1fr}}
.pathc{background:var(--navy);color:#fff;border-radius:18px;padding:2rem 1.9rem;display:flex;flex-direction:column}
.pathc.b{background:linear-gradient(155deg,#123B5E,#0C2740)}
.pathc .lbl{font-family:var(--f-mono);font-size:.68rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-2);margin-bottom:.9rem}
.pathc h3{color:#fff;font-size:1.4rem;margin-bottom:.5rem}
.pathc p{color:#B7C6D6;flex:1;margin-bottom:1.4rem}
.steps{counter-reset:s;display:grid;gap:18px}
.steps .st{display:flex;gap:1rem;align-items:flex-start}
.steps .st::before{counter-increment:s;content:counter(s);flex-shrink:0;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold-2);font-family:var(--f-mono);font-size:1rem;display:flex;align-items:center;justify-content:center}
.steps .st h3{font-size:1.05rem;margin-bottom:.2rem}
.steps .st p{font-size:.95rem;color:var(--muted)}
.tl{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:2rem;border-top:2px solid rgba(255,255,255,.16)}
@media(max-width:600px){.tl{grid-template-columns:1fr 1fr}}
.tl div{padding:1.2rem 1rem 0;border-right:1px solid rgba(255,255,255,.1);position:relative}
.tl div::before{content:'';position:absolute;top:-7px;left:0;width:12px;height:12px;border-radius:50%;background:#2C4A6A}
.tl .yr{font-family:var(--f-mono);font-size:1.1rem;color:#fff;font-weight:600;margin-bottom:.3rem}
.tl .now .yr{color:var(--gold-2)}
.tl .now::before{background:var(--gold-2)}
.tl small{color:#9FB2C4;font-size:.82rem;display:block}
.why div h3{font-size:1.05rem;display:flex;gap:.6rem;align-items:baseline}
.why div h3::before{content:'—';color:var(--gold)}
.why div p{margin-top:.4rem;font-size:.95rem;color:var(--muted)}
.faq details{border-bottom:1px solid var(--line);padding:1.1rem 0}
.faq summary{font-family:var(--f-disp);font-weight:600;font-size:1.08rem;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::after{content:'+';color:var(--gold);font-family:var(--f-mono)}
.faq details[open] summary::after{content:'–'}
.faq p{margin-top:.7rem;color:var(--muted);font-size:.97rem;max-width:70ch}
.cta-band{background:var(--navy);color:#fff;border-radius:20px;padding:3rem 2.2rem;text-align:center}
.cta-band h2{color:#fff;margin-bottom:.6rem}
.cta-band p{color:#B7C6D6;max-width:54ch;margin:0 auto 1.6rem}
.cta-band .info{margin-top:1.4rem;font-family:var(--f-mono);font-size:.78rem;letter-spacing:.04em;color:#8FA2B4}
.footer{background:#08203a;color:#8FA2B4;padding:3.2rem 0 2rem;font-size:.85rem}
.footer .cols{display:flex;justify-content:space-between;gap:2rem;flex-wrap:wrap;margin-bottom:1.8rem}
.footer .flabel{font-family:var(--f-mono);font-size:.66rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-2);margin-bottom:.7rem}
.footer a{display:block;color:#B7C6D6;padding:3px 0}
.footer a:hover{color:#fff}
.footer .base{border-top:1px solid rgba(255,255,255,.1);padding-top:1.4rem;color:#748A9A}
.ck{position:fixed;left:12px;right:12px;bottom:12px;z-index:99;max-width:900px;margin:0 auto;background:var(--navy);color:#EAF1FA;border:1px solid #234;border-radius:14px;padding:13px 15px;display:flex;gap:12px;align-items:center;flex-wrap:wrap;font-size:.84rem}
.ck a{color:var(--gold-2);font-weight:700;text-decoration:underline}
.ck button{padding:9px 15px;border-radius:9px;border:none;font-weight:700;cursor:pointer;font-family:var(--f-body)}
:focus-visible{outline:2px solid var(--gold-2);outline-offset:2px}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}
.testi{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:1.6rem 1.5rem;display:flex;flex-direction:column}
.testi p{font-family:var(--f-disp);font-style:italic;font-size:1.02rem;color:var(--navy);line-height:1.45;flex:1;margin:0}
.testi .who{margin-top:1.1rem;font-family:var(--f-mono);font-size:.7rem;letter-spacing:.07em;text-transform:uppercase;color:var(--gold)}
.seal{display:inline-flex;align-items:center;gap:.6rem;font-family:var(--f-mono);font-size:.74rem;letter-spacing:.05em;color:var(--muted);border:1px solid var(--line);border-radius:50px;padding:.55rem 1rem;background:var(--white)}
.seal b{color:var(--navy);font-weight:600}