:root {
  --navy: #16304f;
  --navy-2: #1f3a5f;
  --ink: #1c2430;
  --muted: #5b6472;
  --line: #e3e7ed;
  --soft: #f5f7fa;
  --bg: #ffffff;
  --ok: #2e6e4e;
  --gold: #b98a2f;
  --radius: 10px;
  --shadow: 0 1px 2px rgba(22, 48, 79, .06), 0 8px 24px rgba(22, 48, 79, .07);
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--bg); color: var(--ink);
  font: 16px/1.65 -apple-system, "Segoe UI", "Helvetica Neue", Helvetica, Arial, sans-serif;
}
img { max-width: 100%; }
a { color: var(--navy-2); }
.container { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 780px; }

/* ---------- header ---------- */
.topbar {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.94); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 14px 0; flex-wrap: wrap;
}
.brand { display: flex; align-items: baseline; gap: 10px; text-decoration: none; }
.brand .mark {
  font-family: Georgia, "Times New Roman", serif; font-weight: 700;
  font-size: 19px; color: var(--navy); letter-spacing: .01em;
}
.brand .tag { font-size: 12px; color: var(--muted); letter-spacing: .08em; text-transform: uppercase; }
nav.site { display: flex; gap: 22px; align-items: center; flex-wrap: wrap; }
nav.site a { font-size: 14.5px; color: var(--ink); text-decoration: none; }
nav.site a:hover { color: var(--navy-2); }
nav.site a.here { color: var(--navy-2); font-weight: 600; }
.btn {
  display: inline-block; padding: 11px 20px; border-radius: 8px;
  font-size: 15px; font-weight: 600; text-decoration: none; line-height: 1.2;
  border: 1.5px solid transparent; cursor: pointer;
}
.btn.primary { background: var(--navy); color: #fff; }
.btn.primary:hover { background: var(--navy-2); }
.btn.ghost { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn.ghost:hover { background: var(--soft); }
.btn.light { background: #fff; color: var(--navy); }
.btn.light:hover { background: #eef2f7; }
.btn.outline-light { border-color: rgba(255,255,255,.65); color: #fff; }
.btn.outline-light:hover { border-color: #fff; background: rgba(255,255,255,.08); }
nav.site .btn { padding: 9px 16px; }

/* ---------- hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy) 55%, #274b78 100%);
  color: #fff; padding: 84px 0 72px;
}
.hero .eyebrow { color: #c9d6e6; }
.hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(32px, 5vw, 48px); line-height: 1.15;
  max-width: 20ch; margin: 14px 0 18px; font-weight: 700;
}
.hero .lede { font-size: 19px; line-height: 1.6; color: #dbe4ef; max-width: 58ch; margin-bottom: 30px; }
.hero .cta-row { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 34px; }
.hero .assurances { display: flex; gap: 26px; flex-wrap: wrap; padding: 0; list-style: none; }
.hero .assurances li {
  font-size: 14px; color: #c9d6e6; display: flex; gap: 8px; align-items: baseline;
}
.hero .assurances li::before { content: "✓"; color: #8fd0ae; font-weight: 700; }

/* page-hero (subpages) */
.page-hero { background: var(--navy); color: #fff; padding: 56px 0 46px; }
.page-hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(28px, 4vw, 38px); line-height: 1.2; margin: 10px 0 12px;
}
.page-hero .lede { color: #dbe4ef; font-size: 17.5px; max-width: 62ch; }

/* ---------- sections ---------- */
section.band { padding: 64px 0; }
section.band.soft { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
section.band.dark { background: var(--navy); color: #fff; }
.eyebrow {
  font-size: 12.5px; letter-spacing: .14em; text-transform: uppercase;
  font-weight: 700; color: var(--gold);
}
h2.section {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(24px, 3.2vw, 32px); line-height: 1.25; margin: 10px 0 14px;
}
.section-lede { color: var(--muted); font-size: 17px; max-width: 66ch; margin-bottom: 34px; }
.band.dark .section-lede { color: #c9d6e6; }
h3 { font-size: 18px; margin-bottom: 8px; }
p { margin-bottom: 14px; max-width: 72ch; }
ul.plain { list-style: none; }
.center { text-align: center; }
.center .section-lede, .center h1, .center h2 { margin-left: auto; margin-right: auto; }

/* ---------- cards & grids ---------- */
.grid { display: grid; gap: 22px; }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid.cols-3, .grid.cols-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid.cols-2, .grid.cols-3, .grid.cols-4 { grid-template-columns: 1fr; } }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; box-shadow: var(--shadow);
}
.card h3 { color: var(--navy); }
.card p { font-size: 15.5px; color: var(--muted); margin-bottom: 0; }
.card .step-no {
  display: inline-flex; width: 34px; height: 34px; border-radius: 50%;
  background: var(--navy); color: #fff; font-weight: 700; font-size: 15px;
  align-items: center; justify-content: center; margin-bottom: 14px;
}
.card.flat { box-shadow: none; }

/* stat band */
.stats { display: grid; gap: 22px; grid-template-columns: repeat(3, 1fr); }
@media (max-width: 620px) { .stats { grid-template-columns: 1fr; } }
.stat .num {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 40px; font-weight: 700; color: #fff; line-height: 1.1;
}
.stat .lbl { color: #c9d6e6; font-size: 14.5px; margin-top: 6px; max-width: 34ch; }
.stat .src { font-size: 12.5px; margin-top: 6px; }
.stat .src a { color: #9db8d8; }

/* ---------- tables ---------- */
.wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: 15px; background: #fff;
  border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
th { font-size: 12px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted);
  text-align: left; padding: 12px 14px; background: var(--soft); border-bottom: 1px solid var(--line); }
td { padding: 13px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
tr:last-child td { border-bottom: 0; }

/* checklist */
ul.checks { list-style: none; }
ul.checks li { padding-left: 28px; position: relative; margin-bottom: 12px; max-width: 70ch; }
ul.checks li::before { content: "✓"; position: absolute; left: 0; color: var(--ok); font-weight: 700; }
ul.crosses { list-style: none; }
ul.crosses li { padding-left: 28px; position: relative; margin-bottom: 12px; max-width: 70ch; }
ul.crosses li::before { content: "✕"; position: absolute; left: 0; color: #a33a2e; font-weight: 700; }

/* FAQ */
dl.qa dt { font-weight: 700; margin-top: 22px; font-size: 16.5px; color: var(--navy); }
dl.qa dd { margin: 6px 0 0 0; max-width: 72ch; color: var(--ink); }
details.qa {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 16px 20px; margin-bottom: 12px;
}
details.qa summary { font-weight: 600; cursor: pointer; color: var(--navy); font-size: 16px; }
details.qa p { margin: 10px 0 0; color: var(--ink); font-size: 15.5px; }

/* pricing */
.price-cards { align-items: stretch; }
.price-card { display: flex; flex-direction: column; }
.price-card .amount {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 34px; font-weight: 700; color: var(--ink); margin: 6px 0 2px;
}
.price-card .per { font-size: 13.5px; color: var(--muted); margin-bottom: 14px; }
.price-card ul { list-style: none; margin-bottom: 18px; }
.price-card ul li { padding-left: 24px; position: relative; margin-bottom: 9px; font-size: 14.5px; color: var(--ink); }
.price-card ul li::before { content: "✓"; position: absolute; left: 0; color: var(--ok); font-weight: 700; }
.price-card .btn { margin-top: auto; text-align: center; }
.price-card.featured { border: 2px solid var(--navy); position: relative; }
.badge {
  position: absolute; top: -12px; left: 22px; background: var(--navy); color: #fff;
  font-size: 11.5px; letter-spacing: .08em; text-transform: uppercase; font-weight: 700;
  padding: 4px 10px; border-radius: 20px;
}

/* CTA band */
.cta-band { text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band .cta-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 26px; }
.cta-band .note-light { color: #c9d6e6; font-size: 14px; margin-top: 18px; }

.note { font-size: 14px; color: var(--muted); }

/* ---------- footer ---------- */
footer.site {
  background: #10233c; color: #b9c6d6; padding: 52px 0 34px; margin-top: 0;
  font-size: 14.5px;
}
footer.site .cols { display: grid; gap: 36px; grid-template-columns: 2fr 1fr 1fr; }
@media (max-width: 720px) { footer.site .cols { grid-template-columns: 1fr; } }
footer.site .mark { font-family: Georgia, serif; font-weight: 700; font-size: 18px; color: #fff; margin-bottom: 10px; }
footer.site h4 { color: #fff; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 12px; }
footer.site a { color: #cdd9e6; text-decoration: none; }
footer.site a:hover { color: #fff; text-decoration: underline; }
footer.site ul { list-style: none; }
footer.site li { margin-bottom: 8px; }
footer.site .legal {
  border-top: 1px solid rgba(255,255,255,.12); margin-top: 38px; padding-top: 20px;
  font-size: 13px; color: #8fa1b5;
}

/* ---------- lead form ---------- */
.lead-form { text-align: left; }
.lead-form .row { display: grid; gap: 12px; grid-template-columns: 1fr 1fr; margin-bottom: 12px; }
@media (max-width: 620px) { .lead-form .row { grid-template-columns: 1fr; } }
.lead-form input {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 8px;
  font: inherit; font-size: 15px; color: var(--ink); background: #fff;
}
.lead-form input:focus { outline: 2px solid var(--navy-2); border-color: var(--navy-2); }
.lead-form button.btn { width: 100%; border: 0; font-size: 16px; padding: 13px 20px; }
.lead-form button.btn[disabled] { opacity: .6; cursor: default; }
.form-status { margin-top: 12px; font-size: 14.5px; min-height: 1em; }
.form-status.err { color: #a33a2e; }
.lead-form .fine { font-size: 13px; color: var(--muted); margin: 12px 0 0; }
.lead-form h3 { color: var(--navy); margin-bottom: 8px; }
.lead-form .ok-msg { color: var(--ink); font-size: 15.5px; margin: 0; }
.band.dark .lead-form { box-shadow: 0 12px 40px rgba(0,0,0,.25); max-width: 640px; margin: 0 auto; }