:root {
  --navy: #0a2633;
  --navy-2: #123d4b;
  --gold: #d5a84f;
  --gold-soft: #f1ddae;
  --cream: #f7f5ef;
  --white: #ffffff;
  --ink: #17303a;
  --muted: #5d6d73;
  --line: rgba(10,38,51,.14);
  --shadow: 0 24px 60px rgba(10,38,51,.14);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--cream); font-family: "DM Sans", sans-serif; font-size: 16px; line-height: 1.65; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
.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 { height: 88px; padding: 0 clamp(24px, 5vw, 76px); display: flex; align-items: center; justify-content: space-between; background: rgba(247,245,239,.97); position: relative; z-index: 20; border-bottom: 1px solid rgba(10,38,51,.08); }
.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand-copy { display: grid; line-height: 1.2; }
.brand-copy strong { color: var(--navy); font-size: 15px; }
.brand-copy small { margin-top: 4px; color: var(--muted); font-size: 12px; }
.logo-crop { display: block; overflow: hidden; position: relative; background: white; }
.logo-crop img { max-width: none; position: absolute; }
.logo-header { width: 98px; height: 78px; }
.logo-header img { width: 156px; height: 156px; left: -28px; top: -38px; }
nav { display: flex; align-items: center; gap: 32px; font-size: 14px; font-weight: 600; }
nav a:not(.nav-cta) { padding: 12px 0; border-bottom: 1px solid transparent; }
nav a:not(.nav-cta):hover { color: var(--gold); border-color: var(--gold); }
.nav-cta { padding: 12px 22px; color: white; background: var(--navy); border-radius: 999px; }
.nav-cta:hover { background: var(--navy-2); }
.menu-button { display: none; width: 44px; height: 44px; padding: 10px; background: transparent; border: 0; }
.menu-button span:not(.sr-only) { display: block; height: 2px; margin: 5px 0; background: var(--navy); }
.hero { min-height: calc(100vh - 88px); position: relative; display: grid; align-items: center; overflow: hidden; color: white; }
.hero-image, .hero-overlay { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-image { object-fit: cover; object-position: center; }
.hero-overlay { background: linear-gradient(90deg, rgba(5,28,38,.9) 0%, rgba(5,28,38,.66) 40%, rgba(5,28,38,.12) 73%, rgba(5,28,38,.04) 100%); }
.hero-content { width: min(650px, 88vw); margin-left: clamp(24px, 8vw, 128px); padding: 90px 0 170px; position: relative; z-index: 2; }
.eyebrow { margin: 0 0 20px; font-size: 13px; letter-spacing: .22em; font-weight: 700; color: var(--gold-soft); }
.eyebrow.dark { color: #9a7029; }
h1, h2, h3 { margin-top: 0; font-family: "Playfair Display", serif; line-height: 1.08; }
h1 { margin-bottom: 24px; font-size: clamp(3rem, 6.3vw, 5.6rem); letter-spacing: -.045em; text-wrap: balance; }
h2 { margin-bottom: 22px; font-size: clamp(2.25rem, 4vw, 4.2rem); letter-spacing: -.035em; }
h3 { font-size: 1.65rem; }
.hero-lead { max-width: 580px; margin: 0 0 34px; font-size: clamp(1.08rem, 1.6vw, 1.3rem); color: rgba(255,255,255,.88); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-reassurance { max-width: 650px; margin: 18px 0 0; color: rgba(255,255,255,.76); font-size: .95rem; line-height: 1.6; }
.button { min-height: 52px; padding: 13px 24px; display: inline-flex; align-items: center; justify-content: center; border: 1px solid transparent; border-radius: 999px; font-weight: 700; cursor: pointer; transition: .2s ease; }
.button-primary { background: var(--gold); color: #17303a; box-shadow: 0 12px 30px rgba(0,0,0,.15); }
.button-primary:hover { background: #e2b95f; transform: translateY(-2px); }
.button-ghost { color: white; border-color: rgba(255,255,255,.55); background: rgba(255,255,255,.06); backdrop-filter: blur(6px); }
.button-ghost:hover { background: rgba(255,255,255,.15); }
.trust-strip { position: absolute; z-index: 3; left: clamp(24px, 5vw, 76px); right: clamp(24px, 5vw, 76px); bottom: 0; display: grid; grid-template-columns: repeat(3,1fr); padding: 25px 0; border-top: 1px solid rgba(255,255,255,.28); }
.trust-strip div { padding: 0 28px; border-left: 1px solid rgba(255,255,255,.23); }
.trust-strip div:first-child { border-left: 0; padding-left: 0; }
.trust-strip strong, .trust-strip span { display: block; }
.trust-strip strong { font-size: 15px; }
.trust-strip span { color: rgba(255,255,255,.66); font-size: 13px; }
.intro { padding: clamp(80px, 10vw, 148px) clamp(24px, 7vw, 112px); }
.section-heading { max-width: 830px; margin-bottom: 55px; }
.section-heading > p:last-child { max-width: 690px; color: var(--muted); font-size: 1.08rem; }
.section-heading.compact { margin-bottom: 40px; }
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.service-card { min-height: 420px; padding: 34px; display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); position: relative; overflow: hidden; transition: .25s ease; }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.service-card.featured { background: var(--navy); color: white; border-color: var(--navy); }
.service-card.featured p { color: rgba(255,255,255,.7); }
.service-number { position: absolute; right: 26px; top: 20px; color: rgba(10,38,51,.18); font-family: "Playfair Display", serif; font-size: 3.2rem; }
.featured .service-number { color: rgba(255,255,255,.15); }
.service-icon { width: 60px; height: 60px; margin: 30px 0 45px; display: grid; place-items: center; border: 1px solid var(--gold); color: var(--gold); border-radius: 50%; font-size: 27px; }
.service-card h3 { margin-bottom: 16px; }
.service-card p { color: var(--muted); flex: 1; }
.service-card a { margin-top: 28px; font-weight: 700; color: #9a7029; }
.service-card a span { margin-left: 8px; }
.featured a { color: var(--gold-soft); }
.service-guides { margin-top: 42px; display: grid; gap: 14px; }
.service-guide { background: white; border: 1px solid var(--line); box-shadow: 0 10px 32px rgba(7,35,47,.06); }
.guide-heading { min-height: 108px; padding: 24px 30px; display: grid; grid-template-columns: minmax(170px,.55fr) minmax(280px,1.45fr) auto; align-items: center; gap: 28px; }
.guide-label { color: #956b24; font-size: 12px; font-weight: 800; letter-spacing: .13em; }
.guide-heading strong { color: var(--navy); font-family: "Playfair Display", serif; font-size: clamp(1.35rem,2.2vw,2rem); line-height: 1.15; }
.guide-prompt { color: var(--muted); font-size: 14px; font-weight: 700; }
.guide-content { padding: 10px 30px 34px; border-top: 1px solid var(--line); }
.guide-intro { max-width: 850px; margin: 28px 0; color: var(--muted); font-size: 1.08rem; }
.guide-steps { padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 1px; list-style: none; background: var(--line); border: 1px solid var(--line); }
.guide-steps li { padding: 24px; display: grid; gap: 8px; background: #fff; }
.guide-steps strong { color: var(--navy); font-size: 1rem; }
.guide-steps span { color: var(--muted); line-height: 1.65; }
.guide-cta { margin-top: 24px; padding: 24px; display: flex; justify-content: space-between; align-items: center; gap: 22px; background: var(--navy); color: white; }
.guide-cta > div { display: grid; gap: 4px; }
.guide-cta > div span { color: rgba(255,255,255,.7); }
.guide-cta .button { flex: 0 0 auto; }
.guide-disclaimer { display: block; margin-top: 16px; color: #6d797d; font-size: 12px; line-height: 1.5; }
.guide-page-hero { padding: clamp(72px,9vw,120px) clamp(24px,7vw,112px); color: white; background: linear-gradient(135deg,var(--navy),#174859); }
.guide-page-hero .guide-page-inner { max-width: 900px; }
.guide-page-hero h1 { font-size: clamp(2.8rem,5.5vw,5rem); }
.guide-page-hero p:last-child { max-width: 720px; color: rgba(255,255,255,.78); font-size: 1.1rem; }
.guide-page-nav { padding: 22px clamp(24px,7vw,112px); display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; background: white; border-bottom: 1px solid var(--line); }
.guide-page-nav a { padding: 10px 18px; color: var(--navy); border: 1px solid var(--gold); border-radius: 999px; font-weight: 700; }
.guide-page-nav a:hover { color: white; background: var(--navy); border-color: var(--navy); }
.guide-page { padding: clamp(55px,8vw,110px) clamp(22px,7vw,112px); }
.guide-page .service-guides { max-width: 1120px; margin: 0 auto; gap: 38px; }
.guide-page .service-guide { scroll-margin-top: 24px; }
.about { display: grid; grid-template-columns: .9fr 1.1fr; min-height: 640px; color: white; background: var(--navy); }
.about-visual { min-height: 520px; display: grid; place-items: center; align-content: center; gap: 26px; position: relative; overflow: hidden; background: linear-gradient(145deg,#174859,#0c2e3c); }
.about-visual::before, .about-visual::after { content: ""; position: absolute; border: 1px solid rgba(213,168,79,.22); transform: rotate(45deg); }
.about-visual::before { width: 330px; height: 330px; }
.about-visual::after { width: 450px; height: 450px; }
.monogram { z-index: 2; font-family: "Playfair Display", serif; font-size: 7rem; color: var(--gold); letter-spacing: -.12em; margin-right: .12em; }
.about-visual p { z-index: 2; margin: 0; font-size: 12px; letter-spacing: .2em; text-transform: uppercase; color: rgba(255,255,255,.63); }
.about-copy { padding: clamp(70px, 9vw, 135px); align-self: center; }
.about-copy h2 { font-size: clamp(2.2rem, 4vw, 3.8rem); }
.about-copy > p:not(.eyebrow) { color: rgba(255,255,255,.73); }
.team-block { margin-top: 35px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.18); }
.team-kicker { margin: 0 0 16px; color: var(--gold-soft); font-size: 12px; font-weight: 700; letter-spacing: .18em; }
.team-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.team-member { min-width: 0; padding: 15px; display: flex; align-items: center; gap: 12px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: 8px; }
.team-member-copy { min-width: 0; flex: 1; }
.team-photo { flex: 0 0 58px; width: 58px; height: 58px; display: block; object-fit: cover; object-position: center; background: #e9e2d3; border: 2px solid rgba(255,255,255,.78); border-radius: 50%; }
.team-member h3 { margin: 0 0 3px; color: white; font-family: "DM Sans", sans-serif; font-size: 1.05rem; line-height: 1.25; }
.team-member p { margin: 0; color: rgba(255,255,255,.62); font-size: 13px; line-height: 1.35; }
.team-profile { margin-top: 8px; }
.team-profile summary { width: fit-content; color: var(--gold-soft); font-size: 13px; font-weight: 700; cursor: pointer; list-style-position: outside; }
.team-profile summary:focus-visible { outline: 2px solid var(--gold-soft); outline-offset: 4px; border-radius: 2px; }
.team-profile-content { margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,.14); }
.team-profile-content h4 { margin: 0 0 12px; color: white; font-family: "DM Sans", sans-serif; font-size: 1.05rem; }
.team-profile-content p { margin: 0 0 12px; color: rgba(255,255,255,.78); font-size: 14px; line-height: 1.65; }
.team-profile-content .team-profile-contact { margin-bottom: 0; color: white; font-weight: 700; }
.team-member:has(.team-profile[open]) { grid-column: 1 / -1; align-items: flex-start; }
.team-block > small { display: block; margin-top: 14px; color: rgba(255,255,255,.52); }
.process { padding: clamp(80px, 10vw, 140px) clamp(24px, 7vw, 112px); background: white; }
.process-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3,1fr); gap: 0; counter-reset: steps; }
.process-list li { padding: 30px 42px; display: flex; gap: 22px; border-left: 1px solid var(--line); }
.process-list li:first-child { border-left: 0; padding-left: 0; }
.process-list li > span { flex: 0 0 38px; height: 38px; display: grid; place-items: center; border-radius: 50%; background: var(--gold-soft); color: var(--navy); font-weight: 700; }
.process-list h3 { margin: 3px 0 12px; font-size: 1.35rem; }
.process-list p { margin: 0; color: var(--muted); }
.contact { padding: clamp(75px, 9vw, 130px) clamp(24px, 7vw, 112px); display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(45px, 8vw, 120px); background: #e9e2d3; }
.contact-copy p:not(.eyebrow) { color: var(--muted); font-size: 1.08rem; }
.contact-note { margin-top: 38px; padding-left: 20px; border-left: 3px solid var(--gold); display: flex; flex-direction: column; }
.contact-note span { color: var(--muted); }
.lead-form { padding: 40px; background: white; box-shadow: var(--shadow); }
.lead-form label { display: grid; gap: 7px; margin-bottom: 17px; color: var(--navy); font-size: 14px; font-weight: 700; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }
input, select, textarea { width: 100%; padding: 13px 14px; color: var(--ink); background: #fafafa; border: 1px solid #ccd3d4; border-radius: 4px; font-size: 16px; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(213,168,79,.25); border-color: var(--gold); }
textarea { resize: vertical; }
.form-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-submit, .button-email { width: 100%; }
.form-submit { border: 0; }
.button-email { color: var(--navy); background: white; border-color: var(--navy); }
.button-email:hover { color: white; background: var(--navy); transform: translateY(-2px); }
.form-status { min-height: 25px; margin: 12px 0 0; color: #6f531f; font-size: 14px; font-weight: 700; }
.privacy-note { display: block; margin-top: 8px; color: #6d797d; font-size: 12px; line-height: 1.5; }
.consent-field { grid-template-columns: 20px 1fr !important; align-items: start; gap: 10px !important; margin: 4px 0 20px !important; color: #536268 !important; font-size: 12px !important; font-weight: 500 !important; line-height: 1.5; }
.consent-field input { width: 18px; height: 18px; margin-top: 1px; accent-color: var(--navy); }
footer { padding: 65px clamp(24px, 7vw, 112px) 35px; text-align: center; color: white; background: #061e29; }
.footer-brand { justify-content: center; margin-bottom: 22px; }
.logo-footer { width: 155px; height: 126px; border-radius: 8px; }
.logo-footer img { width: 246px; height: 246px; left: -44px; top: -60px; }
footer > p { color: rgba(255,255,255,.62); }
.broker-card { width: min(920px, 100%); margin: 36px auto 0; padding: 28px; display: grid; grid-template-columns: minmax(290px, 390px) 1fr; align-items: center; gap: 34px; text-align: left; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: 10px; }
.broker-logo { width: 100%; background: transparent; }
.broker-details { display: flex; flex-direction: column; gap: 8px; color: rgba(255,255,255,.72); font-size: 14px; }
.broker-details strong { color: white; font-size: 15px; }
.broker-details address { font-style: normal; line-height: 1.55; }
.broker-details a { color: var(--gold-soft); font-weight: 700; }
.legal { max-width: 740px; margin: 30px auto 0; padding-top: 25px; border-top: 1px solid rgba(255,255,255,.12); font-size: 12px; }
.copyright { font-size: 12px; }
@media (max-width: 880px) {
  .site-header { height: 76px; }
  .menu-button { display: block; }
  nav { display: none; position: absolute; left: 0; right: 0; top: 76px; padding: 24px; flex-direction: column; align-items: stretch; gap: 8px; background: var(--cream); box-shadow: var(--shadow); }
  nav.open { display: flex; }
  nav a { padding: 12px !important; }
  .nav-cta { text-align: center; margin-top: 5px; }
  .hero { min-height: 830px; }
  .hero-content { margin-left: 24px; padding: 80px 0 220px; }
  .hero-image { object-position: 65% center; }
  .hero-overlay { background: linear-gradient(90deg, rgba(5,28,38,.92), rgba(5,28,38,.58)); }
  .trust-strip { grid-template-columns: 1fr; padding: 20px 0; }
  .trust-strip div { padding: 6px 0; border: 0; }
  .service-grid, .process-list { grid-template-columns: 1fr; }
  .service-card { min-height: 360px; }
  .guide-heading { grid-template-columns: 1fr; gap: 8px; }
  .guide-label { grid-column: 1; }
  .guide-heading strong { grid-column: 1; }
  .guide-prompt { grid-column: 1; }
  .guide-steps { grid-template-columns: 1fr; }
  .guide-cta { align-items: flex-start; flex-direction: column; }
  .about, .contact { grid-template-columns: 1fr; }
  .about-copy { grid-row: 1; }
  .about-visual { min-height: 380px; }
  .process-list li, .process-list li:first-child { padding: 25px 0; border-left: 0; border-top: 1px solid var(--line); }
  .broker-card { grid-template-columns: 1fr; text-align: center; }
  .broker-logo { width: min(360px, 100%); margin: 0 auto; }
}
@media (max-width: 560px) {
  .logo-header { width: 82px; height: 66px; }
  .logo-header img { width: 132px; height: 132px; left: -24px; top: -32px; }
  .hero { min-height: 850px; }
  .hero-content { width: calc(100vw - 48px); }
  h1 { font-size: 3.25rem; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .button { width: 100%; }
  .trust-strip span { display: none; }
  .intro, .process, .contact { padding-left: 22px; padding-right: 22px; }
  .service-card, .lead-form { padding: 28px 23px; }
  .guide-heading { padding: 22px; }
  .guide-content { padding: 4px 22px 24px; }
  .guide-steps li { padding: 20px; }
  .guide-cta { padding: 20px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .form-actions { grid-template-columns: 1fr; }
  .brand-copy { display: none; }
  .about-copy { padding: 70px 24px; }
  .team-grid { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }