*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --ink:#0A1B33; --depth:#102A4C; --panel:#14345E; --rim:#274870; --rim-soft:#35597F;
  --snow:#FFFFFF; --parchment:#F4F6FA; --stone:#E3E8F0; --stone-mid:#C6D0DE;
  --gold:#C9A227; --gold-deep:#A8841A; --gold-soft:rgba(201,162,39,0.10); --gold-border:rgba(201,162,39,0.25);
  --amber:#E08A1E; --amber-soft:rgba(224,138,30,0.12);
  --chalk:#F2F6FB; --silver:#9FB2CC; --fog:#5E7593;
  --ink-900:#0E2038; --ink-600:#44607F; --ink-400:#8CA0B8;
  --r:14px; --r-sm:9px; --r-lg:20px; --maxw:1280px;
}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;background:var(--snow);color:var(--ink-900);overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
::-webkit-scrollbar{width:5px}
::-webkit-scrollbar-track{background:var(--depth)}
::-webkit-scrollbar-thumb{background:var(--gold-deep);border-radius:5px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 clamp(20px,5%,80px)}

/* NAV */
nav.site{position:fixed;inset:0 0 auto 0;z-index:999;height:68px;display:flex;align-items:center;justify-content:space-between;
  padding:0 clamp(20px,5%,80px);background:rgba(10,27,51,0.92);backdrop-filter:blur(24px) saturate(180%);
  border-bottom:1px solid rgba(255,255,255,0.06)}
.nav-logo{display:flex;align-items:center;gap:11px;text-decoration:none}
.nav-logo-mark{width:40px;height:40px;border-radius:50%;background:var(--ink);border:2px solid rgba(255,255,255,0.85);
  display:flex;align-items:center;justify-content:center;font-family:'DM Serif Display',serif;font-size:14px;color:#fff;flex-shrink:0}
.nav-logo-mark em{color:var(--gold);font-style:normal;font-size:17px;line-height:1;margin-left:.5px;position:relative;top:2px}
.nav-logo-name{font-size:13px;font-weight:600;color:rgba(255,255,255,0.55);letter-spacing:.3px}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none}
.nav-links>li{position:relative}
.nav-links a{font-size:13.5px;font-weight:500;color:var(--silver);text-decoration:none;letter-spacing:.1px;transition:color .2s}
.nav-links>li>a:hover,.nav-links>li.active>a{color:var(--chalk)}
.has-drop>a::after{content:'\25BE';font-size:10px;margin-left:5px;opacity:.7}
.dropdown{position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%);
  background:var(--depth);border:1px solid var(--rim);border-radius:var(--r);padding:10px;min-width:260px;
  opacity:0;visibility:hidden;transform:translate(-50%,6px);transition:opacity .18s,transform .18s,visibility .18s;
  box-shadow:0 20px 50px rgba(0,0,0,.45)}
.has-drop:hover .dropdown{opacity:1;visibility:visible;transform:translate(-50%,0)}
.dropdown a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:9px;font-size:13px;color:var(--silver);text-decoration:none}
.dropdown a:hover{background:rgba(255,255,255,0.04);color:var(--chalk)}
.dropdown .di{font-size:15px;width:20px;text-align:center;flex-shrink:0}
.nav-right{display:flex;align-items:center;gap:14px}
.nav-cta{background:var(--gold);color:#fff;padding:9px 20px;border-radius:8px;font-size:13px;font-weight:600;
  letter-spacing:.2px;text-decoration:none;transition:background .2s,transform .15s,box-shadow .2s;white-space:nowrap}
.nav-cta:hover{background:var(--gold-deep);transform:translateY(-1px);box-shadow:0 8px 24px rgba(201,162,39,.3)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:none}
.burger span{display:block;width:22px;height:2px;background:var(--chalk);border-radius:2px}
.mob-nav{display:none;position:fixed;top:68px;inset:auto 0 0 0;background:rgba(10,27,51,0.98);backdrop-filter:blur(20px);
  padding:20px clamp(20px,5%,80px) 40px;flex-direction:column;gap:2px;z-index:998;border-top:1px solid var(--rim);overflow-y:auto}
.mob-nav.open{display:flex}
.mob-nav a{padding:12px 0;font-size:15px;font-weight:500;color:var(--silver);text-decoration:none;border-bottom:1px solid var(--rim)}
.mob-nav a.sub{padding-left:16px;font-size:13.5px;color:var(--fog)}
.mob-nav a.mob-cta{color:var(--gold);font-weight:700;border-bottom:none}
.mob-nav .mob-h{padding:14px 0 4px;font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--fog)}
main{display:block}

/* HERO */
.hero{min-height:78vh;padding:150px clamp(20px,5%,80px) 80px;display:flex;flex-direction:column;justify-content:center;
  position:relative;overflow:hidden;background:var(--ink)}
.hero::after{content:'';position:absolute;z-index:0;width:700px;height:700px;
  background:radial-gradient(circle, rgba(201,162,39,0.08) 0%, transparent 70%);top:-120px;right:-140px;pointer-events:none}
.hero>*{position:relative;z-index:1}
.hero-inner{max-width:760px}
.hero.page{min-height:44vh;padding-top:150px;padding-bottom:64px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;margin-bottom:24px}
.eyebrow-line{width:32px;height:1px;background:var(--gold)}
.eyebrow span{font-size:11px;font-weight:600;letter-spacing:3px;text-transform:uppercase;color:var(--gold)}
h1{font-family:'DM Serif Display',serif;font-size:clamp(38px,5.2vw,66px);line-height:1.1;letter-spacing:-1px;color:var(--chalk);margin-bottom:20px}
h1 em,.accent{font-style:italic;color:var(--gold)}
.hero-sub{font-size:17px;color:var(--silver);line-height:1.72;max-width:600px;margin-bottom:36px}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-bottom:44px}
.btn-em,.btn-ghost{display:inline-flex;align-items:center;gap:9px;padding:14px 28px;border-radius:10px;
  font-size:14px;font-weight:600;letter-spacing:.2px;text-decoration:none;transition:all .2s}
.btn-em{background:var(--gold);color:#fff;box-shadow:0 0 0 1px var(--gold-deep),0 8px 28px rgba(201,162,39,.25)}
.btn-em:hover{background:var(--gold-deep);transform:translateY(-2px);box-shadow:0 0 0 1px var(--gold-deep),0 14px 36px rgba(201,162,39,.35)}
.btn-ghost{background:transparent;color:var(--chalk);border:1px solid var(--rim)}
.btn-ghost:hover{border-color:var(--rim-soft);background:rgba(255,255,255,.04)}
.hero-stats{display:flex;gap:32px;flex-wrap:wrap}
.hstat-val{font-size:26px;font-weight:700;letter-spacing:-.5px;color:var(--chalk)}
.hstat-val sup{font-size:13px;vertical-align:super;color:var(--gold);font-weight:600}
.hstat-label{font-size:12px;color:var(--silver);margin-top:2px}
.hstat-divider{width:1px;background:var(--rim);align-self:stretch}
.breadcrumb{position:relative;z-index:1;font-size:12px;color:var(--fog);margin-bottom:18px}
.breadcrumb a{color:var(--silver);text-decoration:none}
.breadcrumb a:hover{color:var(--gold)}

/* HERO VISUAL (homepage two-column dashboard mockup) */
.hero.has-visual{min-height:92vh}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;width:100%}
.hero-visual{display:flex;flex-direction:column;gap:16px;align-items:flex-end}
.hv-card{background:var(--depth);border:1px solid var(--rim);border-radius:var(--r-lg);padding:24px 28px;width:100%;max-width:340px}
.hv-card:nth-child(2){max-width:290px;margin-right:32px}
.hv-card-label{font-size:11px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:var(--silver);margin-bottom:14px}
.hv-card-row{display:flex;align-items:center;justify-content:space-between;gap:16px}
.hv-card-left h4{font-size:17px;font-weight:600;color:var(--chalk);margin-bottom:3px}
.hv-card-left p{font-size:12px;color:var(--silver)}
.hv-badge{font-size:12px;font-weight:700;padding:5px 12px;border-radius:40px;white-space:nowrap}
.hv-badge.green{background:var(--gold-soft);color:var(--gold);border:1px solid var(--gold-border)}
.hv-amount{font-size:24px;font-weight:700;color:var(--gold);letter-spacing:-.5px;margin-top:16px}
.hv-amount span{font-size:14px;font-weight:500;color:var(--silver);margin-left:4px}
.hv-items{display:flex;flex-direction:column;gap:10px}
.hv-item{display:flex;align-items:center;gap:10px}
.hv-dot{width:7px;height:7px;border-radius:50%;background:var(--gold);flex-shrink:0}
.hv-item-text{font-size:13.5px;color:var(--chalk);flex:1}
.hv-item-check{font-size:12px;font-weight:600;color:var(--gold)}

/* MARQUEE */
.marquee-wrap{background:var(--depth);border-top:1px solid var(--rim);border-bottom:1px solid var(--rim);padding:14px 0;overflow:hidden}
.marquee-track{display:flex;gap:0;animation:marquee 30s linear infinite;white-space:nowrap;width:max-content}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.marquee-item{display:inline-flex;align-items:center;gap:8px;padding:0 32px;font-size:12px;font-weight:600;
  letter-spacing:1.5px;text-transform:uppercase;color:var(--silver);border-right:1px solid var(--rim);white-space:nowrap}
.marquee-item .m-dot{width:5px;height:5px;border-radius:50%;background:var(--gold);flex-shrink:0}

/* SECTIONS */
section{padding:88px clamp(20px,5%,80px)}
section.tight{padding:56px clamp(20px,5%,80px)}
.bg-snow{background:var(--snow)}
.bg-parchment{background:var(--parchment)}
.bg-ink{background:var(--ink)}
.bg-depth{background:var(--depth);border-top:1px solid var(--rim);border-bottom:1px solid var(--rim)}
.tag{display:inline-flex;align-items:center;gap:7px;font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase}
.tag.dark{color:var(--gold-deep)}
.tag.light{color:var(--gold)}
.tag::before{content:'';width:18px;height:2px;background:currentColor;border-radius:2px}
.section-heading{font-family:'DM Serif Display',serif;font-size:clamp(30px,3.8vw,48px);line-height:1.12;letter-spacing:-.5px}
.section-heading.dark{color:var(--ink-900)}
.section-heading.light{color:var(--chalk)}
.section-sub{font-size:15.5px;line-height:1.75;max-width:560px}
.section-sub.dark{color:var(--ink-600)}
.section-sub.light{color:var(--silver)}
.sh{margin-bottom:48px;max-width:900px}
.sh.center{text-align:center;margin-left:auto;margin-right:auto}
.sh.center .section-sub{margin:12px auto 0}
.sh .section-heading{margin:10px 0 12px}

/* BENTO / SERVICE CARDS */
.bento{display:grid;grid-template-columns:repeat(6,1fr);grid-template-rows:auto auto;gap:16px}
.bento-card{background:#fff;border:1px solid var(--stone);border-radius:var(--r-lg);padding:30px;position:relative;overflow:hidden;
  transition:box-shadow .25s,transform .25s,border-color .25s;text-decoration:none;display:block;color:inherit}
.bento-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--gold),transparent);
  transform:scaleX(0);transform-origin:left;transition:transform .3s}
.bento-card:hover{box-shadow:0 16px 48px rgba(0,0,0,.1);transform:translateY(-3px);border-color:var(--stone-mid)}
.bento-card:hover::after{transform:scaleX(1)}
.bento-card.col-4{grid-column:span 4}
.bento-card.col-3{grid-column:span 3}
.bento-card.col-2{grid-column:span 2}
.bc-icon{width:44px;height:44px;border-radius:10px;background:var(--parchment);display:flex;align-items:center;justify-content:center;
  font-size:20px;margin-bottom:18px}
.bc-tag{font-size:10px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.bc-title{font-size:17px;font-weight:700;color:var(--ink-900);margin-bottom:9px;line-height:1.3}
.bc-desc{font-size:13.5px;color:var(--ink-600);line-height:1.65;margin-bottom:18px}
.bc-link{font-size:13px;font-weight:600;color:var(--gold-deep);display:inline-flex;align-items:center;gap:5px}

/* NUMBERS */
.numbers-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--rim);border:1px solid var(--rim);
  border-radius:var(--r-lg);overflow:hidden}
.num-cell{background:var(--depth);padding:36px 32px}
.num-val{font-family:'DM Serif Display',serif;font-size:48px;letter-spacing:-2px;line-height:1;color:var(--chalk);margin-bottom:6px}
.num-val em{font-style:normal;color:var(--gold)}
.num-label{font-size:13.5px;color:var(--silver);font-weight:500;margin-top:6px}
.num-desc{font-size:12px;color:var(--fog);margin-top:4px}

/* PROCESS */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.process-grid::before{content:'';position:absolute;top:30px;left:15%;right:15%;height:1px;
  background:linear-gradient(90deg,transparent,var(--stone-mid),var(--gold),var(--stone-mid),transparent)}
.proc-step{padding:0 18px;text-align:center}
.proc-num{width:58px;height:58px;border-radius:50%;background:var(--snow);border:1.5px solid var(--stone);
  display:flex;align-items:center;justify-content:center;margin:0 auto 22px;font-family:'DM Serif Display',serif;
  font-size:21px;color:var(--ink-900);position:relative;z-index:2}
.proc-title{font-size:15px;font-weight:700;color:var(--ink-900);margin-bottom:9px}
.proc-desc{font-size:13px;color:var(--ink-600);line-height:1.65}

/* WHY */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:start}
.why-list{display:flex;flex-direction:column;gap:0;margin-top:36px}
.why-item{display:flex;gap:16px;padding:22px 0;border-bottom:1px solid var(--rim)}
.why-item:first-child{padding-top:0}
.why-item:last-child{border-bottom:none}
.why-num{font-family:'DM Serif Display',serif;font-size:13px;color:var(--gold);flex-shrink:0;padding-top:2px;width:22px}
.why-item h4{font-size:15px;font-weight:700;color:var(--chalk);margin-bottom:5px}
.why-item p{font-size:13.5px;color:var(--silver);line-height:1.65}
.why-visual{display:flex;flex-direction:column;gap:16px}
.rating-card{background:var(--depth);border:1px solid var(--rim);border-radius:var(--r-lg);padding:30px}
.rating-top{display:flex;align-items:center;gap:16px;margin-bottom:22px}
.rating-big-num{font-family:'DM Serif Display',serif;font-size:52px;line-height:1;color:var(--chalk);letter-spacing:-2px}
.rating-right .stars{color:var(--amber);font-size:17px;letter-spacing:2px;margin-bottom:4px}
.rating-right p{font-size:12px;color:var(--silver)}
.rating-bar-row{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.rating-bar-label{font-size:12px;color:var(--silver);width:14px;text-align:right;flex-shrink:0}
.rating-bar-track{flex:1;height:5px;background:var(--rim);border-radius:5px;overflow:hidden}
.rating-bar-fill{height:100%;background:var(--gold);border-radius:5px}
.review-cards{display:flex;flex-direction:column;gap:12px}
.rev-card{background:var(--depth);border:1px solid var(--rim);border-radius:var(--r);padding:20px 22px}
.rev-stars{color:var(--amber);font-size:12px;margin-bottom:8px}
.rev-text{font-size:13.5px;color:var(--silver);line-height:1.65;margin-bottom:12px;font-style:italic}
.rev-author{font-size:12px;font-weight:600;color:var(--fog)}
.rev-author em{color:var(--gold);font-style:normal}

/* BULLET DIFFERENTIATOR / TWO-COL LIST BLOCKS */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.check-list{list-style:none;display:flex;flex-direction:column;gap:14px}
.check-list li{display:flex;align-items:flex-start;gap:12px;font-size:14.5px;line-height:1.6}
.check-list li::before{content:'\2713';flex-shrink:0;width:22px;height:22px;border-radius:50%;background:var(--gold-soft);
  border:1px solid var(--gold-border);color:var(--gold-deep);font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center;margin-top:1px}
.check-list.on-dark li{color:var(--silver)}
.check-list.on-dark li::before{color:var(--gold)}
.check-list.on-light li{color:var(--ink-600)}
.info-box{background:var(--gold-soft);border:1px solid var(--gold-border);border-radius:var(--r);padding:22px 26px;margin-top:8px}
.info-box p{font-size:14px;line-height:1.65;color:var(--chalk)}
.info-box.light{background:var(--parchment);border-color:var(--stone)}
.info-box.light p{color:var(--ink-700,var(--ink-900))}
.info-box strong{color:var(--gold)}
.info-box.light strong{color:var(--gold-deep)}

/* CROSS-LINK CARDS */
.link-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.link-card{display:block;background:var(--depth);border:1px solid var(--rim);border-radius:var(--r);padding:24px 26px;
  text-decoration:none;transition:border-color .2s,transform .2s}
.link-card:hover{border-color:var(--gold-border);transform:translateY(-2px)}
.link-card .lc-icon{font-size:22px;margin-bottom:10px}
.link-card h4{font-size:15px;font-weight:700;color:var(--chalk);margin-bottom:6px}
.link-card p{font-size:13px;color:var(--silver);line-height:1.55}
.link-card span.go{display:inline-block;margin-top:10px;font-size:12.5px;font-weight:600;color:var(--gold)}

/* CTA BAND */
.cta-band{background:linear-gradient(120deg,var(--gold-deep),var(--ink-900));padding:64px clamp(20px,5%,80px);
  border-radius:var(--r-lg);display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-band h3{font-family:'DM Serif Display',serif;font-size:clamp(22px,3vw,32px);color:#fff;margin-bottom:8px}
.cta-band p{font-size:14px;color:rgba(255,255,255,.85);max-width:440px}
.cta-band .btn-em{background:#fff;color:var(--gold-deep);box-shadow:none}
.cta-band .btn-em:hover{background:var(--parchment)}
.cta-wrap{padding:0 clamp(20px,5%,80px) 88px}
.cta-wrap.bg-snow,.cta-wrap.bg-parchment{padding-top:0}

/* FAQ (details/summary, no JS needed) */
.faq-list{display:flex;flex-direction:column;gap:0}
.faq-item{border-bottom:1px solid var(--stone)}
.faq-item summary{padding:20px 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer;
  font-size:15px;font-weight:600;color:var(--ink-900);gap:16px;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'+';font-size:20px;color:var(--ink-600);flex-shrink:0;transition:transform .2s}
.faq-item[open] summary{color:var(--gold-deep)}
.faq-item[open] summary::after{content:'\2212';color:var(--gold-deep)}
.faq-a{padding:0 0 20px;font-size:14px;color:var(--ink-600);line-height:1.75;max-width:760px}
.faq-a a{color:var(--gold-deep);font-weight:600;text-decoration:underline}
.faq-layout{display:grid;grid-template-columns:1fr 2fr;gap:70px;align-items:start}

/* CONTACT */
.contact-layout{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:start}
.contact-info h2{font-family:'DM Serif Display',serif;font-size:clamp(26px,3.6vw,40px);color:var(--chalk);margin:12px 0 16px;letter-spacing:-.5px}
.contact-info>p{font-size:15px;color:var(--silver);line-height:1.75;margin-bottom:36px}
.cinfo-item{display:flex;gap:16px;margin-bottom:22px;align-items:flex-start}
.cinfo-icon{width:40px;height:40px;border-radius:9px;background:var(--gold-soft);border:1px solid var(--gold-border);
  display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.cinfo-label{font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--fog);margin-bottom:4px}
.cinfo-val{font-size:14px;color:var(--chalk);font-weight:500}
.cinfo-val a{color:var(--gold);text-decoration:none}
.contact-form-wrap{background:var(--panel);border:1px solid var(--rim);border-radius:var(--r-lg);padding:36px}
.form-label{font-size:12px;font-weight:600;color:var(--silver);letter-spacing:.5px;display:block;margin-bottom:8px}
.form-input,.form-select,.form-textarea{width:100%;background:var(--ink);border:1px solid var(--rim);border-radius:9px;
  padding:12px 16px;color:var(--chalk);font-family:'Inter',sans-serif;font-size:14px;outline:none;margin-bottom:14px}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--gold)}
.form-select option{background:var(--ink)}
.form-textarea{height:96px;resize:vertical}
.form-row-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-submit{width:100%;background:var(--gold);color:#fff;border:none;padding:14px;border-radius:9px;
  font-family:'Inter',sans-serif;font-size:14px;font-weight:600;cursor:pointer;letter-spacing:.2px;
  display:flex;align-items:center;justify-content:center;gap:8px}
.form-submit:hover{background:var(--gold-deep)}
.form-note{font-size:11.5px;color:var(--fog);margin-top:12px;text-align:center}
.map-embed{margin-top:26px;border-radius:var(--r);overflow:hidden;border:1px solid var(--rim);background:var(--depth);
  padding:40px 26px;text-align:center}
.map-embed p{font-size:13px;color:var(--silver)}

/* FOOTER */
footer{background:var(--ink);border-top:1px solid var(--rim);padding:60px clamp(20px,5%,80px) 32px}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;padding-bottom:44px;border-bottom:1px solid var(--rim)}
.footer-brand .fl{display:flex;align-items:center;gap:10px;margin-bottom:16px;text-decoration:none}
.footer-brand .fl-mark{width:38px;height:38px;border-radius:50%;border:1.5px solid rgba(255,255,255,.5);
  display:flex;align-items:center;justify-content:center;font-family:'DM Serif Display',serif;font-size:13px;color:#fff}
.footer-brand .fl-mark em{color:var(--gold);font-style:normal;font-size:16px;position:relative;top:2px;margin-left:.5px}
.footer-brand .fl-name{font-size:12px;color:var(--fog);font-weight:500}
.footer-brand p{font-size:13px;color:var(--silver);line-height:1.7;max-width:270px;margin-bottom:18px}
.footer-social{width:34px;height:34px;border-radius:7px;border:1px solid var(--rim);display:flex;align-items:center;
  justify-content:center;font-size:14px;text-decoration:none;color:var(--fog)}
.footer-col h5{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--fog);margin-bottom:16px}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-col ul li a{font-size:13px;color:var(--silver);text-decoration:none}
.footer-col ul li a:hover{color:var(--chalk)}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:26px;flex-wrap:wrap;gap:10px}
.footer-bottom p{font-size:12px;color:var(--fog)}
.footer-bottom em{color:var(--gold);font-style:normal}

/* TOOLS / CALCULATORS */
.tools-tabs{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin:0 0 32px}
.tools-tab{background:#fff;border:1px solid var(--stone);color:var(--ink-600);padding:11px 22px;border-radius:99px;
  font:600 13px/1 'Inter',sans-serif;cursor:pointer;transition:all .25s}
.tools-tab:hover{border-color:var(--gold-deep);color:var(--gold-deep)}
.tools-tab.active{background:var(--gold-deep);border-color:var(--gold-deep);color:#fff;box-shadow:0 8px 20px rgba(201,162,39,.25)}
.tools-panel{display:none}
.tools-panel.active{display:block}
.tools-card{background:#fff;border:1px solid var(--stone);border-radius:var(--r-lg);padding:34px clamp(22px,3vw,38px);
  max-width:940px;margin:0 auto;box-shadow:0 24px 64px rgba(0,0,0,.05)}
.tools-card h3{font:700 18px/1.3 'Inter',sans-serif;color:var(--ink-900);margin-bottom:6px}
.tools-card .tc-sub{font-size:13.5px;color:var(--ink-600);margin-bottom:22px}
.tc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.tc-field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.tc-field label{font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--ink-600)}
.tc-field input,.tc-field select{background:var(--parchment);border:1px solid var(--stone);border-radius:9px;padding:11px 14px;
  font:500 14px/1 'Inter',sans-serif;color:var(--ink-900);outline:none}
.tc-field input:focus,.tc-field select:focus{border-color:var(--gold-deep);background:#fff}
.tc-radios{display:flex;gap:8px;flex-wrap:wrap}
.tc-radio{flex:1;min-width:80px;position:relative}
.tc-radio input{position:absolute;opacity:0;pointer-events:none}
.tc-radio span{display:block;text-align:center;padding:10px;border:1px solid var(--stone);border-radius:8px;font-size:13px;
  font-weight:600;color:var(--ink-600);cursor:pointer}
.tc-radio input:checked+span{background:var(--gold-deep);border-color:var(--gold-deep);color:#fff}
.tc-result{background:var(--ink);border:1px solid var(--rim);border-radius:14px;padding:22px;color:var(--chalk);min-height:220px}
.tc-res-label{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--silver);margin-bottom:10px}
.tc-res-big{font-family:'DM Serif Display',serif;font-size:34px;line-height:1.05;color:var(--gold);margin-bottom:4px;letter-spacing:-1px}
.tc-res-sub{font-size:13px;color:var(--silver);margin-bottom:16px}
.tc-res-row{display:flex;justify-content:space-between;gap:10px;padding:9px 0;border-top:1px dashed var(--rim);font-size:13px;color:var(--silver)}
.tc-res-row b{color:var(--chalk);font-weight:600}
.tc-res-row.win{color:var(--gold)}
.tc-res-row.win b{color:var(--gold)}
.tc-recommend{background:var(--gold-soft);border:1px solid var(--gold-border);border-radius:10px;padding:14px 16px;margin-top:14px;
  font-size:13.5px;color:var(--chalk);line-height:1.55}
.tc-recommend strong{color:var(--gold)}
.tc-foot{display:flex;gap:10px;flex-wrap:wrap;align-items:center;justify-content:space-between;margin-top:22px;padding-top:18px;
  border-top:1px solid var(--stone);font-size:12px;color:var(--ink-400)}
.tc-foot a{color:var(--gold-deep);text-decoration:none;font-weight:600}

/* INSIGHTS / BLOG */
.insights-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.ins-card{background:#fff;border:1px solid var(--stone);border-radius:var(--r-lg);overflow:hidden;text-decoration:none;
  color:inherit;transition:all .25s;display:flex;flex-direction:column}
.ins-card:hover{box-shadow:0 18px 50px rgba(0,0,0,.1);transform:translateY(-4px);border-color:var(--stone-mid)}
.ins-thumb{height:110px;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--gold-deep),var(--ink-900));
  display:flex;align-items:center;justify-content:center}
.ins-thumb-ic{font-size:38px;color:rgba(255,255,255,.9)}
.ins-body{padding:22px;flex:1;display:flex;flex-direction:column}
.ins-meta{display:flex;gap:10px;font-size:11px;color:var(--ink-400);letter-spacing:.5px;margin-bottom:10px;flex-wrap:wrap}
.ins-meta .ins-tag{color:var(--gold-deep);font-weight:700;letter-spacing:1.5px;text-transform:uppercase}
.ins-card h3{font:700 16px/1.35 'Inter',sans-serif;color:var(--ink-900);margin-bottom:8px}
.ins-card p{font-size:13px;color:var(--ink-600);line-height:1.65;flex:1}
.ins-read{font-size:12.5px;font-weight:600;color:var(--gold-deep);margin-top:14px;display:inline-flex;align-items:center;gap:5px}

/* ARTICLE / PROSE */
.article-hero{padding-bottom:0}
.prose{max-width:740px;margin:0 auto;background:var(--snow);color:var(--ink-700,var(--ink-900))}
.prose-wrap{background:var(--snow);padding:64px clamp(20px,5%,80px) 90px}
.prose h2{font-family:'DM Serif Display',serif;color:var(--ink-900);font-size:clamp(22px,3vw,30px);margin:1.4em 0 .5em;letter-spacing:-.3px}
.prose h2:first-child{margin-top:0}
.prose h3{color:var(--ink-900);font-size:1.15rem;font-weight:700;margin:1.3em 0 .5em}
.prose p{color:var(--ink-600);font-size:15.5px;line-height:1.85;margin-bottom:1.1em}
.prose ul{margin:0 0 1.2em 1.3em;color:var(--ink-600);font-size:15px;line-height:1.8}
.prose li{margin-bottom:.5em}
.prose strong{color:var(--ink-900)}
.prose em{font-style:italic}
.prose a{color:var(--gold-deep);font-weight:600;text-decoration:underline}
.article-meta{display:flex;gap:14px;font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--silver);margin-bottom:18px;flex-wrap:wrap}
.article-meta .ins-tag{color:var(--gold);font-weight:700}

/* CENTER TEXT UTIL */
.center{text-align:center}
.mt40{margin-top:40px}

/* RESPONSIVE */
@media(max-width:1100px){
  .bento{grid-template-columns:repeat(4,1fr)}
  .bento-card.col-4,.bento-card.col-3,.bento-card.col-2{grid-column:span 2}
  .numbers-grid{grid-template-columns:repeat(2,1fr)}
  .why-grid,.faq-layout,.contact-layout,.split{grid-template-columns:1fr;gap:40px}
  .footer-top{grid-template-columns:1fr 1fr}
  .hero.has-visual{min-height:78vh}
  .hero-grid{grid-template-columns:1fr}
  .hero-visual{display:none}
}
@media(max-width:820px){
  .nav-links,.dropdown{display:none}
  .burger{display:flex}
  .nav-cta{display:none}
  .bento{grid-template-columns:1fr 1fr}
  .bento-card.col-4,.bento-card.col-3,.bento-card.col-2{grid-column:span 2}
  .numbers-grid{grid-template-columns:1fr 1fr}
  .process-grid{grid-template-columns:1fr 1fr;gap:30px}
  .process-grid::before{display:none}
  .link-cards{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;text-align:center}
  .hero-stats{gap:18px}
  .hstat-divider{display:none}
  .form-row-2{grid-template-columns:1fr}
  .tc-grid{grid-template-columns:1fr;gap:22px}
  .cta-band{flex-direction:column;text-align:center}
}
@media(max-width:480px){
  .bento{grid-template-columns:1fr}
  .bento-card.col-4,.bento-card.col-3,.bento-card.col-2{grid-column:span 1}
  .numbers-grid{grid-template-columns:1fr 1fr}
  section{padding:64px clamp(16px,5%,80px)}
  .hero{padding-top:130px}
}