:root{--ink:#16202e;--ink2:#2b3a4f;--muted:#5a6676;--sand:#f6f1e9;--sand2:#ede4d6;--line:#e2d8c9;--accent:#b8460f;--accent-d:#963a0c;--gold:#c99a5b;--white:#fff;--ok:#1f6f4a;--r:14px;--shadow:0 10px 30px rgba(22,32,46,.10);--max:1180px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent-d)}a:hover{color:var(--accent)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
h1,h2,h3{font-family:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2.1rem,5vw,3.6rem)}h2{font-size:clamp(1.7rem,3.4vw,2.5rem)}h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:99}.skip:focus{left:10px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-d);margin-bottom:.8rem}
.lead{font-size:1.15rem;color:var(--muted)}
/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;letter-spacing:-.01em;line-height:1.1}
.brand svg{flex:none}.brand small{display:block;font-weight:600;font-size:.7rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
.nav{display:flex;gap:22px;align-items:center}
.nav a{color:var(--ink2);text-decoration:none;font-weight:600;font-size:.95rem}.nav a:hover,.nav a[aria-current=page]{color:var(--accent-d)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:700;border:0;border-radius:999px;padding:14px 24px;font-size:1rem;cursor:pointer;transition:background .15s,transform .15s;box-shadow:0 6px 18px rgba(184,70,15,.25)}
.btn:hover{background:var(--accent-d);transform:translateY(-1px)}
.btn.ghost{background:transparent;color:var(--ink)!important;border:2px solid var(--ink);box-shadow:none}.btn.ghost:hover{background:var(--ink);color:#fff!important}
.btn.sm{padding:10px 18px;font-size:.92rem}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;font:inherit;font-weight:700;color:var(--ink)}
@media(max-width:960px){.nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);gap:4px}.nav a{padding:10px 0;border-bottom:1px solid var(--sand2)}.nav.open{display:flex}.menu-btn{display:block}.head-cta{display:none}}
/* hero */
.hero{position:relative;color:#fff;background:#1d2633}
.hero-bg{position:absolute;inset:0;overflow:hidden}.hero-bg img{width:100%;height:100%;object-fit:cover}
.hero-bg:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,20,30,.88) 0%,rgba(14,20,30,.66) 48%,rgba(14,20,30,.25) 100%)}
.hero-in{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding:72px 20px 80px}
.hero h1{color:#fff}.hero .lead{color:#e6e9ee}.hero .eyebrow{color:#f2c58f}
.ticks{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:10px}
.ticks li{display:flex;gap:10px;align-items:flex-start;font-weight:600}.ticks svg{flex:none;margin-top:3px}
@media(max-width:960px){.hero-in{grid-template-columns:1fr;padding:44px 20px 48px;gap:28px}}
.page-hero{background:var(--sand);border-bottom:1px solid var(--line);padding:56px 0 44px}
.page-hero .lead{max-width:760px}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:14px}.crumbs a{color:var(--muted)}
/* card form */
.card{background:#fff;border-radius:var(--r);box-shadow:var(--shadow);border:1px solid var(--line)}
.form-card{padding:26px;color:var(--ink)}
.form-card h2{font-size:1.5rem;margin-bottom:.25em}
.form-card .sub{color:var(--muted);font-size:.95rem;margin-bottom:16px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.grid2{grid-template-columns:1fr}}
label{display:block;font-weight:650;font-size:.88rem;margin:0 0 5px;color:var(--ink2)}
.field{margin-bottom:12px}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:11px 12px;border:1.5px solid #cfc4b3;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--ink2);outline:3px solid rgba(201,154,91,.45);outline-offset:0}
textarea{min-height:84px;resize:vertical}
.consent{font-size:.8rem;color:var(--muted);line-height:1.45;margin:10px 0 14px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:.85rem;color:var(--ink2)}.check input{width:20px;height:20px;flex:none;margin-top:2px}
.form-card .btn{width:100%}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-legal{font-size:.78rem;color:var(--muted);border-top:1px solid var(--sand2);margin-top:14px;padding-top:12px;line-height:1.45}
/* sections */
section{padding:84px 0}.alt{background:var(--sand)}
@media(max-width:700px){section{padding:56px 0}}
.sec-head{max-width:760px;margin-bottom:38px}
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.cols2{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
@media(max-width:900px){.cols3{grid-template-columns:1fr}.cols2{grid-template-columns:1fr;gap:28px}}
.feature{padding:28px}.feature .ico{width:48px;height:48px;border-radius:12px;background:var(--sand2);display:grid;place-items:center;margin-bottom:14px}
.feature p{color:var(--muted);margin:0}
.trust{background:var(--ink);color:#fff;padding:18px 0}
.trust ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:12px 34px;justify-content:center;font-weight:650;font-size:.95rem}
.trust li{display:flex;gap:8px;align-items:center}
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:900px){.types{grid-template-columns:1fr 1fr}}@media(max-width:560px){.types{grid-template-columns:1fr}}
.type{overflow:hidden;display:flex;flex-direction:column}.type img{aspect-ratio:4/3;object-fit:cover;width:100%}
.type .tb{padding:20px 22px 24px}.type p{color:var(--muted);margin:0 0 .6em;font-size:.97rem}
.tag{display:inline-block;font-size:.75rem;font-weight:700;background:var(--sand2);color:var(--ink2);border-radius:999px;padding:3px 10px;margin-bottom:8px}
.type.noimg .tb{padding-top:26px}
.ba{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.ba figure{margin:0;position:relative}.ba img{border-radius:var(--r);aspect-ratio:4/3;object-fit:cover;width:100%}
.ba figcaption{position:absolute;left:12px;top:12px;background:rgba(22,32,46,.85);color:#fff;font-weight:700;font-size:.8rem;padding:4px 10px;border-radius:999px;letter-spacing:.05em;text-transform:uppercase}
.note{font-size:.82rem;color:var(--muted)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
@media(max-width:1000px){.steps{grid-template-columns:1fr 1fr}}@media(max-width:560px){.steps{grid-template-columns:1fr}}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.steps li:before{content:counter(s,decimal-leading-zero);display:block;font-family:Georgia,serif;font-size:1.9rem;color:var(--gold);font-weight:700;margin-bottom:6px}
.steps h3{font-size:1.08rem}.steps p{color:var(--muted);font-size:.94rem;margin:0}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--r);overflow:hidden;font-size:.96rem}
th,td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--sand2);vertical-align:top}th{background:var(--ink);color:#fff;font-weight:700}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
.calc{padding:28px}.calc output{display:block;font-family:Georgia,serif;font-size:clamp(1.8rem,4vw,2.6rem);font-weight:700;color:var(--ink);margin:6px 0}
.calc .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}@media(max-width:700px){.calc .grid3{grid-template-columns:1fr}}
.result{background:var(--sand);border-radius:12px;padding:18px 20px;margin-top:16px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;padding:18px 28px 18px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;top:14px;font-size:1.5rem;color:var(--accent-d)}
.faq details[open] summary:after{content:"–"}
.faq details p{color:var(--ink2)}
.prose{max-width:800px}.prose h2{margin-top:1.6em}.prose h3{margin-top:1.3em}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
.src{font-size:.85rem;color:var(--muted)}
.callout{border-left:4px solid var(--gold);background:var(--sand);padding:16px 20px;border-radius:0 12px 12px 0;margin:1.4em 0}
.disclaimer{background:#fff8ef;border:1px solid #ecd9bd;border-radius:12px;padding:16px 18px;font-size:.88rem;color:var(--ink2)}
.partner{border:1.5px dashed var(--gold);border-radius:12px;padding:12px 16px;font-size:.88rem;color:var(--ink2);background:#fff}
.areas{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px;list-style:none;padding:0;margin:0}
.areas li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}.areas strong{display:block}.areas span{font-size:.88rem;color:var(--muted)}
.cta-band{background:var(--ink);color:#fff;border-radius:22px;padding:48px;display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center}
.cta-band h2{color:#fff}.cta-band p{color:#d5dbe4}
@media(max-width:800px){.cta-band{grid-template-columns:1fr;padding:32px 24px}}
.media{border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}.media img{width:100%;aspect-ratio:4/3;object-fit:cover}
/* footer */
.site-foot{background:#0f1722;color:#c3cad4;padding:56px 0 28px;font-size:.92rem}
.site-foot a{color:#e9edf2;text-decoration:none}.site-foot a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}@media(max-width:800px){.foot-grid{grid-template-columns:1fr}}
.site-foot h2{color:#fff;font-size:1rem;font-family:inherit;letter-spacing:.06em;text-transform:uppercase}
.site-foot ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot-legal{border-top:1px solid #253244;margin-top:34px;padding-top:20px;display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;font-size:.84rem}
.foot-disc{color:#dfe4ea;background:#172232;border-radius:12px;padding:14px 16px;margin-top:14px;font-size:.86rem;line-height:1.5}
.credit a{color:#9fb0c4}
.sticky-cta{display:none}
@media(max-width:700px){.sticky-cta{display:block;position:fixed;bottom:0;left:0;right:0;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);z-index:40}.sticky-cta .btn{width:100%}body{padding-bottom:76px}}

.type .ph{aspect-ratio:4/3;display:grid;place-items:center;background:linear-gradient(135deg,#efe5d6,#f8f3ec 60%,#e9dcc7)}
@media(max-width:960px){.hero-bg:after{background:linear-gradient(180deg,rgba(14,20,30,.45) 0%,rgba(14,20,30,.78) 45%,rgba(14,20,30,.92) 100%)}.hero-in{padding-top:120px}}
@media(max-width:480px){.brand small{display:none}.brand{font-size:.98rem}}

.prose>h2:first-child{margin-top:0}
@media(max-width:960px){.hero-bg{bottom:auto;height:520px}.hero-bg img{object-position:60% 70%}.hero-bg:after{background:linear-gradient(180deg,rgba(14,20,30,.35) 0%,rgba(14,20,30,.7) 60%,#1d2633 100%)}.hero-in{padding-top:150px}}