:root{
  --ink:#101d2e;
  --navy:#16283f;
  --slate:#324a68;
  --bronze:#a9834f;
  --bronze-dark:#8a6a3e;
  --paper:#f6f4ef;
  --paper-alt:#eeebe2;
  --line:#d8d3c5;
  --muted:#5b6572;
  --white:#ffffff;
  --display:'Fraunces', Georgia, serif;
  --body:'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --radius:2px;
  --shadow:0 8px 30px rgba(16,29,46,0.08);
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--body);
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
h1,h2,h3,h4{font-family:var(--display);font-weight:600;line-height:1.15;margin:0 0 .5em;color:var(--navy);}
p{margin:0 0 1em;color:var(--muted);}
.container{max-width:1180px;margin:0 auto;padding:0 32px;}
.eyebrow{
  font-family:var(--body);
  text-transform:uppercase;
  letter-spacing:.14em;
  font-size:12px;
  font-weight:600;
  color:var(--bronze-dark);
  margin-bottom:14px;
  display:inline-block;
}

/* Skip link */
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:1000;}
.skip-link:focus{left:8px;top:8px;}

/* Header */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(246,244,239,0.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 32px;max-width:1180px;margin:0 auto;}
.brand{display:flex;align-items:center;gap:12px;}
.brand-logo{width:40px;height:40px;object-fit:contain;flex-shrink:0;}
.brand-name{font-family:var(--display);font-size:19px;font-weight:600;color:var(--navy);letter-spacing:.01em;}
.brand-name span{color:var(--bronze-dark);}
.main-nav{display:flex;gap:2px;align-items:center;}
.main-nav a{
  font-size:14px;font-weight:500;color:var(--slate);
  padding:10px 16px;border-radius:var(--radius);
  transition:color .15s ease;
}
.main-nav a:hover,.main-nav a.active{color:var(--bronze-dark);}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;color:var(--navy);}
.nav-toggle i{font-size:26px;}

@media(max-width:860px){
  .main-nav{
    position:fixed;inset:0 0 0 auto;width:78%;max-width:320px;
    background:var(--navy);flex-direction:column;align-items:flex-start;
    padding:100px 28px 28px;gap:4px;
    transform:translateX(100%);transition:transform .3s ease;
  }
  .main-nav.open{transform:translateX(0);}
  .main-nav a{color:#e7e2d6;width:100%;}
  .main-nav a:hover,.main-nav a.active{color:var(--bronze);}
  .nav-toggle{display:block;}
}

/* Hero */
.hero{
  position:relative;
  padding:120px 0 100px;
  overflow:hidden;
  background:linear-gradient(180deg,var(--paper) 0%,var(--paper-alt) 100%);
  border-bottom:1px solid var(--line);
}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;}
.hero h1{font-size:48px;letter-spacing:-.01em;}
.hero-lede{font-size:18px;max-width:46ch;}
.hero-actions{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap;}
.hero-media{position:relative;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);}
.hero-media img{width:100%;height:440px;object-fit:cover;}
.hero-ledger{
  position:absolute;left:-28px;bottom:-28px;background:var(--navy);color:#fff;
  padding:22px 26px;max-width:230px;box-shadow:var(--shadow);
}
.hero-ledger .num{font-family:var(--display);font-size:30px;color:var(--bronze);}
.hero-ledger .lbl{font-size:12px;color:#c7cedb;text-transform:uppercase;letter-spacing:.08em;margin-top:2px;}

@media(max-width:860px){
  .hero{padding:70px 0 90px;}
  .hero-grid{grid-template-columns:1fr;}
  .hero h1{font-size:34px;}
  .hero-media img{height:300px;}
  .hero-ledger{left:16px;bottom:-24px;}
}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:13px 24px;font-size:14px;font-weight:600;
  border-radius:var(--radius);border:1px solid transparent;cursor:pointer;
  transition:all .15s ease;
}
.btn-primary{background:var(--navy);color:#fff;}
.btn-primary:hover{background:var(--bronze-dark);}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent;}
.btn-outline:hover{background:var(--navy);color:#fff;}

/* Sections */
.section{padding:96px 0;}
.section-alt{background:var(--paper-alt);}
.section-head{max-width:640px;margin-bottom:56px;}
.section-head h2{font-size:34px;}

/* Ledger strip (signature element) */
.ledger-strip{
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--line);border-bottom:1px solid var(--line);
}
.ledger-item{padding:34px 28px;border-left:1px solid var(--line);}
.ledger-item:first-child{border-left:none;}
.ledger-item .num{font-family:var(--display);font-size:32px;color:var(--navy);}
.ledger-item .num span{color:var(--bronze-dark);}
.ledger-item .lbl{font-size:13px;color:var(--muted);margin-top:6px;}
@media(max-width:760px){
  .ledger-strip{grid-template-columns:1fr 1fr;}
  .ledger-item{border-left:none;border-top:1px solid var(--line);}
  .ledger-item:nth-child(odd){border-right:1px solid var(--line);}
}

/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
@media(max-width:900px){.grid-3{grid-template-columns:1fr;}.grid-2{grid-template-columns:1fr;}}

.card{
  background:#fff;border:1px solid var(--line);padding:32px 28px;
  border-radius:var(--radius);
}
.card i{font-size:28px;color:var(--bronze-dark);}
.card h3{font-size:19px;margin-top:16px;}
.card p{font-size:14.5px;margin-bottom:0;}

.media-card{border:1px solid var(--line);background:#fff;overflow:hidden;border-radius:var(--radius);}
.media-card img{width:100%;height:220px;object-fit:cover;}
.media-card .media-body{padding:24px;}
.media-card h3{font-size:18px;}
.media-card p{font-size:14px;margin-bottom:0;}

/* Process list */
.process{border-top:1px solid var(--line);}
.process-row{
  display:grid;grid-template-columns:80px 1fr 2fr;gap:24px;
  padding:30px 0;border-bottom:1px solid var(--line);align-items:start;
}
.process-row .step{font-family:var(--display);font-size:26px;color:var(--bronze-dark);}
.process-row h3{font-size:18px;margin-bottom:6px;}
.process-row p{margin:0;font-size:14.5px;}
@media(max-width:700px){.process-row{grid-template-columns:1fr;gap:6px;}}

/* CTA band */
.cta-band{
  background:var(--navy);color:#fff;padding:72px 0;text-align:center;
}
.cta-band h2{color:#fff;font-size:30px;}
.cta-band p{color:#c7cedb;max-width:52ch;margin:0 auto 28px;}
.cta-band .btn-outline{border-color:#fff;color:#fff;}
.cta-band .btn-outline:hover{background:#fff;color:var(--navy);}

/* Forms */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.form-grid .full{grid-column:1/-1;}
@media(max-width:700px){.form-grid{grid-template-columns:1fr;}}
label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:8px;}
input,textarea,select{
  width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:var(--radius);
  background:#fff;font-family:var(--body);font-size:14.5px;color:var(--ink);
}
input:focus,textarea:focus,select:focus{outline:2px solid var(--bronze);outline-offset:1px;border-color:var(--bronze);}
textarea{resize:vertical;min-height:130px;}
.form-note{font-size:12.5px;color:var(--muted);margin-top:10px;}
.form-success{display:none;background:#eef3ec;border:1px solid #b9d0b4;color:#33532f;padding:16px 18px;border-radius:var(--radius);margin-bottom:20px;font-size:14px;}

.contact-info-list{list-style:none;margin:0;padding:0;}
.contact-info-list li{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid var(--line);}
.contact-info-list i{font-size:20px;color:var(--bronze-dark);margin-top:2px;}
.contact-info-list .lbl{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);}
.contact-info-list .val{font-size:15px;color:var(--navy);font-weight:500;}

/* Legal pages */
.legal-content h2{font-size:22px;margin-top:44px;}
.legal-content h2:first-child{margin-top:0;}
.legal-content p,.legal-content li{font-size:15px;color:var(--muted);}
.legal-content ul{padding-left:20px;}
.legal-updated{font-size:13px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:24px;margin-bottom:8px;}

/* Footer */
.site-footer{background:var(--navy);color:#c7cedb;padding:64px 0 28px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;}
.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:14px;}
.footer-brand img{width:32px;height:32px;}
.footer-brand span{font-family:var(--display);color:#fff;font-size:17px;}
.site-footer p{color:#9fabbe;font-size:13.5px;}
.footer-col h4{color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px;}
.footer-col ul{list-style:none;margin:0;padding:0;}
.footer-col li{margin-bottom:10px;}
.footer-col a{font-size:14px;color:#c7cedb;}
.footer-col a:hover{color:var(--bronze);}
.footer-bottom{
  margin-top:48px;padding-top:24px;border-top:1px solid #2a3d55;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;
  font-size:12.5px;color:#8794a8;
}
@media(max-width:860px){.footer-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr;}}

/* Cookie banner */
.cookie-banner{
  position:fixed;left:20px;right:20px;bottom:20px;z-index:999;
  max-width:640px;margin:0 auto;background:var(--navy);color:#e7e2d6;
  padding:22px 24px;border-radius:var(--radius);box-shadow:0 12px 40px rgba(0,0,0,0.25);
  display:none;gap:16px;flex-direction:column;
}
.cookie-banner.show{display:flex;}
.cookie-banner p{color:#c7cedb;font-size:13.5px;margin:0;}
.cookie-actions{display:flex;gap:12px;flex-wrap:wrap;}
.cookie-actions .btn{padding:10px 18px;font-size:13px;}
.cookie-actions .btn-primary{background:var(--bronze-dark);}
.cookie-actions .btn-primary:hover{background:var(--bronze);}
.cookie-actions .btn-outline{border-color:#5a6a80;color:#e7e2d6;}
.cookie-actions .btn-outline:hover{background:#22344c;color:#fff;}

.disclaimer-bar{background:var(--paper-alt);border-bottom:1px solid var(--line);padding:10px 0;text-align:center;}
.disclaimer-bar p{margin:0;font-size:12.5px;color:var(--muted);}