:root{--ink:#10202f;--navy:#0b2239;--navy2:#123a58;--gold:#d6a84b;--cream:#f7f3e9;--paper:#fff;--teal:#176f72;--muted:#5d6a76;--line:#dfe5e8;--shadow:0 18px 50px rgba(11,34,57,.12);--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font:16px/1.6 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit}.container{width:min(1180px,calc(100% - 36px));margin:auto}
.topline{background:var(--navy);color:#dfeaf0;font-size:.88rem}.topline .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0;flex-wrap:wrap}.nav{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.navin{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none}.seal{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold);font-family:Georgia,serif;font-weight:900;border:3px double var(--gold)}.brand strong{display:block;font-family:Georgia,serif;font-size:1.25rem;color:var(--navy)}.brand small{display:block;color:var(--muted);font-size:.72rem;letter-spacing:.06em;text-transform:uppercase}.navlinks{display:flex;align-items:center;gap:19px}.navlinks a{text-decoration:none;font-weight:750;font-size:.91rem}
.button,.button-ghost{display:inline-flex;align-items:center;justify-content:center;border-radius:10px;padding:13px 18px;text-decoration:none;font-weight:850;transition:.2s;border:1px solid transparent}.button{background:var(--gold);color:#18212a;box-shadow:0 8px 22px rgba(214,168,75,.28)}.button:hover{transform:translateY(-1px);background:#e5ba62}.button-ghost{border-color:#b8c4cc;background:#fff;color:var(--navy)}
.hero{background:linear-gradient(125deg,var(--navy) 0%,var(--navy2) 62%,#17505f 100%);color:#fff;padding:78px 0 68px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:52px;align-items:center}.eyebrow{display:inline-flex;border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 11px;color:#dcebf0;font-weight:800;font-size:.79rem;letter-spacing:.08em;text-transform:uppercase}.hero h1{font:700 clamp(2.7rem,5.6vw,5.2rem)/.98 Georgia,serif;letter-spacing:-.04em;margin:20px 0}.hero h1 em{color:var(--gold);font-style:normal}.lede{font-size:1.17rem;color:#d8e4e8;max-width:760px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.hero .button-ghost{color:#fff;border-color:rgba(255,255,255,.4);background:transparent}.credentials{display:flex;gap:14px;flex-wrap:wrap;font-size:.9rem;color:#cfdee3}.credentials span:before{content:"✓";color:var(--gold);font-weight:900;margin-right:6px}.audit-card{background:#fff;color:var(--ink);padding:28px;border-radius:24px;box-shadow:var(--shadow)}.audit-card h2{font:700 1.8rem/1.1 Georgia,serif;margin:8px 0 12px;color:var(--navy)}.audit-list{display:grid;gap:10px;margin:18px 0}.audit-list div{background:#f5f8f9;border:1px solid var(--line);border-radius:11px;padding:12px 14px}.audit-list strong{display:block;color:var(--teal)}
.trustbar{background:var(--cream);border-bottom:1px solid #e6dcc7}.trustbar .container{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:22px 0}.trustbar strong{display:block;color:var(--navy)}.trustbar span{font-size:.88rem;color:var(--muted)}
.section{padding:72px 0}.section.alt{background:#f5f8f9}.section.dark{background:var(--navy);color:#fff}.section h2,.pagehead h1{font:700 clamp(2rem,3.4vw,3.5rem)/1.08 Georgia,serif;letter-spacing:-.025em;color:var(--navy);margin:0 0 14px}.section.dark h2{color:#fff}.sub{color:var(--muted);max-width:780px}.dark .sub{color:#cbdbe1}.center{text-align:center}.center .sub{margin:0 auto}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 7px 22px rgba(11,34,57,.05)}.card h3{color:var(--navy);font:700 1.25rem/1.2 Georgia,serif;margin:8px 0}.card p,.card li{color:var(--muted)}.icon{font-size:1.45rem}.link{color:var(--teal);font-weight:850;text-decoration:none}.savings{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:28px}.saving{background:#fff;border-left:4px solid var(--gold);border-radius:12px;padding:19px;border-top:1px solid var(--line);border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.saving strong{display:block;color:var(--navy);font-size:1.08rem}.saving span{color:var(--muted);font-size:.92rem}.disclaimer{font-size:.82rem;color:#73808a}
.band{background:linear-gradient(115deg,#174e51,var(--teal));color:#fff;border-radius:24px;padding:36px;display:flex;justify-content:space-between;align-items:center;gap:25px}.band h2{color:#fff}.band p{color:#d7ebea;margin-bottom:0}.pagehead{padding:62px 0;background:linear-gradient(180deg,var(--cream),#fff);border-bottom:1px solid var(--line)}.pagehead .eyebrow{color:var(--teal);border-color:#bcd8d6}.service-rows{display:grid;gap:17px;margin-top:30px}.service-row{display:grid;grid-template-columns:.65fr 1.35fr;gap:28px;padding:26px;border:1px solid var(--line);border-radius:16px;background:#fff}.service-row h3{font:700 1.35rem Georgia,serif;color:var(--navy);margin:0}.service-row p{margin:0;color:var(--muted)}
.tips-rail{position:fixed;left:18px;bottom:18px;z-index:60;width:min(330px,calc(100% - 36px));background:#fff;border:1px solid var(--line);border-radius:15px;box-shadow:var(--shadow);padding:16px}.tips-rail .label{color:var(--teal);font-weight:900;font-size:.72rem;letter-spacing:.09em;text-transform:uppercase}.tips-rail p{margin:5px 0 0;font-size:.9rem;color:#344654}.sticky-book{position:fixed;right:18px;bottom:18px;z-index:60}
.profile{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:start}.credential-box{background:var(--cream);border:1px solid #eadfc9;border-radius:18px;padding:26px}.locations{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.location{border-top:3px solid var(--gold);padding:18px;background:#fff;border-radius:0 0 12px 12px}.article-grid{display:grid;grid-template-columns:2fr 1fr;gap:30px}.article{max-width:780px}.article h2{font-size:1.8rem}.article h3{color:var(--navy);margin-top:28px}.article li{margin-bottom:7px}.toc{position:sticky;top:110px;background:var(--cream);padding:22px;border-radius:15px}.toc a{display:block;padding:7px 0;color:var(--teal);font-weight:750;text-decoration:none}.calendly{width:100%;min-height:760px;border:1px solid var(--line);border-radius:18px;background:#fff}.footer{background:#071827;color:#cbd8df;padding:48px 0 100px}.footergrid{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:34px}.footer h3{color:#fff}.footer a{color:#d8e3e8;text-decoration:none}.footer .brand strong{color:#fff}.footer .brand small{color:#aebdc5}
@media(max-width:980px){.hero-grid,.profile,.article-grid{grid-template-columns:1fr}.grid{grid-template-columns:repeat(2,1fr)}.trustbar .container{grid-template-columns:repeat(2,1fr)}.toc{position:static}.navlinks a:not(.button){display:none}}@media(max-width:650px){.grid,.savings,.locations,.service-row,.footergrid{grid-template-columns:1fr}.hero{padding-top:52px}.hero h1{font-size:2.8rem}.tips-rail{bottom:76px}.sticky-book{left:18px;right:18px}.sticky-book .button{width:100%}.topline .container{display:block}.trustbar .container{grid-template-columns:1fr 1fr}}
.statement-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:16px;overflow:hidden;margin-top:28px}.statement-table th,.statement-table td{text-align:left;vertical-align:top;padding:16px;border-bottom:1px solid var(--line)}.statement-table th{background:var(--navy);color:#fff}.statement-table tr:last-child td{border-bottom:0}.statement-table td:first-child{font-weight:850;color:var(--navy);width:28%}.process{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}.process .icon{color:var(--gold);font-weight:900}@media(max-width:980px){.process{grid-template-columns:repeat(2,1fr)}}@media(max-width:650px){.process{grid-template-columns:1fr}.statement-table{font-size:.9rem}.statement-table th,.statement-table td{padding:12px}}