:root{
  --navy:#0f2340; --navy-2:#16305a; --navy-3:#1f3d6e;
  --gold:#c9a24a; --gold-2:#e0bf6e; --gold-soft:#f6efdd;
  --ink:#1c2533; --muted:#5b6678; --line:#e4e7ec; --bg:#ffffff; --bg-alt:#f7f8fb;
  --radius:10px; --shadow:0 6px 24px rgba(15,35,64,.08);
  --serif:Georgia,"Times New Roman",Times,serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%}
a{color:var(--navy-3)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h2{font-size:clamp(1.7rem,3vw,2.3rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{width:min(1140px,92%);margin:0 auto}
.narrow{width:min(820px,92%)}

/* Notice bar */
.ad-notice{background:var(--gold);color:var(--navy);text-align:center;font-size:.8rem;padding:.35rem 1rem;letter-spacing:.04em}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:3px solid var(--gold)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:70px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:#fff}
.brand-mark{display:inline-grid;place-items:center;width:40px;height:40px;border:2px solid var(--gold);color:var(--gold);font-family:var(--serif);font-weight:700;font-size:1.3rem;border-radius:4px}
.brand-text{font-family:var(--serif);font-size:1.35rem;letter-spacing:.02em}
.site-nav{display:flex;align-items:center;gap:1.6rem}
.site-nav a{color:#e8ecf3;text-decoration:none;font-size:.95rem}
.site-nav a:hover{color:var(--gold-2)}
.nav-toggle{display:none}
.nav-toggle-label{display:none}

/* Buttons */
.btn{display:inline-block;padding:.8rem 1.4rem;border-radius:6px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:var(--sans);transition:.2s}
.btn-gold{background:var(--gold);color:var(--navy)!important;border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-2);border-color:var(--gold-2)}
.btn-outline{border-color:rgba(255,255,255,.6);color:#fff}
.btn-outline:hover{border-color:var(--gold);color:var(--gold-2)}
.btn-sm{padding:.5rem 1rem;font-size:.9rem}
.btn-block{width:100%}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,var(--navy-3) 100%);color:#fff;padding:5.5rem 0 4rem;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border:2px solid rgba(201,162,74,.25);border-radius:50%}
.hero-inner{position:relative;z-index:1}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--gold);margin-bottom:.8rem}
.hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.4rem);max-width:820px}
.lead{font-size:1.15rem;color:#d6dde9;max-width:680px}
.hero-actions{display:flex;flex-wrap:wrap;gap:1rem;margin:1.8rem 0 2.8rem}
.hero-facts{list-style:none;padding:1.5rem 0 0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;border-top:1px solid rgba(255,255,255,.15)}
.hero-facts strong{display:block;font-family:var(--serif);color:var(--gold-2);font-size:1.5rem}
.hero-facts span{font-size:.88rem;color:#c3cbda}

/* Disclaimer strip */
.disclaimer-strip{background:var(--gold-soft);border-bottom:1px solid #eadfbf}
.disclaimer-strip p{margin:0;padding:1rem 0;font-size:.95rem;color:#4a3d1c}
.disclaimer-strip a{color:var(--navy);font-weight:600}

/* Sections */
.section{padding:5rem 0}
.section-alt{background:var(--bg-alt)}
.section-head{text-align:center;max-width:680px;margin:0 auto 3rem}
.section-head p:last-child{color:var(--muted)}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--radius);padding:1.8rem 1.5rem;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card p{color:var(--muted);font-size:.96rem}
.card-icon{width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-size:1.3rem;margin-bottom:1rem}
.card-meta{margin-top:auto;font-size:.82rem!important;font-weight:600;color:var(--navy-3)!important;border-top:1px solid var(--line);padding-top:.8rem;margin-bottom:0}

/* Bios */
.bios{display:grid;grid-template-columns:1fr 1fr;gap:2rem}
.bio{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;display:flex;gap:1.5rem;box-shadow:var(--shadow)}
.avatar{flex:0 0 84px;height:84px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:var(--serif);font-size:1.6rem;border:3px solid var(--gold)}
.bio-title{color:var(--gold);font-weight:700;font-size:.92rem;text-transform:uppercase;letter-spacing:.06em}
.creds{padding:0;margin:0 0 1rem;list-style:none}
.creds li{padding-left:1.4rem;position:relative;margin-bottom:.3rem;font-size:.96rem}
.creds li::before{content:"\2713";position:absolute;left:0;color:var(--gold);font-weight:700}

/* Steps */
.steps{list-style:none;padding:0;margin:0 0 3.5rem;display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;counter-reset:s}
.steps li{background:var(--bg-alt);border-radius:var(--radius);padding:2rem 1.6rem;border:1px solid var(--line)}
.steps p{color:var(--muted);margin:0}
.step-num{display:inline-grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:700;font-family:var(--serif);font-size:1.2rem;margin-bottom:1rem}
.subhead{text-align:center;font-size:1.6rem;margin-bottom:1.8rem}
.pricing{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.price-card{border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem 1.4rem;text-align:center;background:#fff}
.price-card.featured{background:var(--navy);border-color:var(--navy)}
.price-card.featured h4{color:#fff}
.price-card.featured p{color:#c9d1df}
.price-card.featured .price{color:var(--gold-2)}
.price-card h4{font-size:1.1rem}
.price{font-family:var(--serif);font-size:2rem;color:var(--navy);font-weight:700;margin:.4rem 0 .8rem}
.price-card p:last-child{color:var(--muted);font-size:.93rem;margin:0}
.fine{font-size:.85rem;color:var(--muted);text-align:center;margin-top:1.2rem}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;margin-bottom:.8rem;overflow:hidden}
.faq summary{cursor:pointer;padding:1.1rem 3rem 1.1rem 1.3rem;font-weight:600;color:var(--navy);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);color:var(--gold);font-size:1.5rem;font-weight:400}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq details p{padding:1rem 1.3rem;margin:0;color:var(--muted)}

/* Contact */
.contact-wrap{display:grid;grid-template-columns:1fr 1.2fr;gap:3rem;align-items:start}
.contact-line span{display:inline-block;min-width:60px;font-weight:700;color:var(--navy)}
.notice{background:var(--gold-soft);border-left:4px solid var(--gold);padding:1rem 1.2rem;border-radius:6px;font-size:.93rem;color:#4a3d1c}
.contact-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}
.field{margin-bottom:1rem;flex:1}
.field-row{display:flex;gap:1rem}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:.35rem;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:.75rem .9rem;border:1px solid #cdd3dc;border-radius:6px;font:inherit;font-size:.97rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,74,.2)}
.check{display:flex;gap:.6rem;align-items:flex-start;font-size:.88rem;color:var(--muted);margin:.4rem 0 1.2rem}
.check input{margin-top:.25rem;accent-color:var(--navy)}

/* Disclaimers */
.disclaimers{background:var(--navy);color:#d6dde9;padding:4rem 0}
.disclaimers h2{color:#fff;text-align:center}
.disclaimers ul{padding-left:1.2rem}
.disclaimers li{margin-bottom:.9rem}
.disclaimers strong{color:var(--gold-2)}

/* Footer */
.site-footer{background:#0a1830;color:#aeb8c9;padding:3.5rem 0 1.5rem;font-size:.92rem;border-top:3px solid var(--gold)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
.site-footer h4{color:var(--gold);font-family:var(--sans);text-transform:uppercase;letter-spacing:.1em;font-size:.8rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.4rem}
.site-footer a{color:#dfe5ee;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.brand-light{margin-bottom:1rem}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding-top:1.5rem;font-size:.8rem;color:#8995aa}

/* Responsive */
@media (max-width:1000px){
  .cards,.pricing{grid-template-columns:repeat(2,1fr)}
  .hero-facts{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:820px){
  .nav-toggle-label{display:block;width:30px;height:24px;position:relative;cursor:pointer}
  .nav-toggle-label span,.nav-toggle-label span::before,.nav-toggle-label span::after{position:absolute;left:0;width:30px;height:3px;background:var(--gold);border-radius:2px;content:""}
  .nav-toggle-label span{top:10px}
  .nav-toggle-label span::before{top:-9px}
  .nav-toggle-label span::after{top:9px}
  .site-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;gap:0;padding:.5rem 4% 1rem;border-bottom:3px solid var(--gold)}
  .site-nav a{padding:.8rem 0;border-bottom:1px solid rgba(255,255,255,.08)}
  .site-nav a.btn{margin-top:.8rem;text-align:center;border-bottom:none}
  .nav-toggle:checked ~ .site-nav{display:flex}
  .nav-wrap{position:relative}
  .bios,.steps,.contact-wrap,.footer-grid{grid-template-columns:1fr}
  .bio{flex-direction:column}
  .section{padding:3.5rem 0}
  .hero{padding:3.5rem 0 3rem}
}
@media (max-width:560px){
  .cards,.pricing,.hero-facts{grid-template-columns:1fr}
  .field-row{flex-direction:column;gap:0}
  body{font-size:16px}
}

.tax-note{margin:.8rem 0 0;padding:.7rem .9rem;border-left:3px solid var(--gold);background:rgba(201,162,39,.12);color:var(--navy);font-size:.92rem}
.tax-note-wide{margin:0 0 1.5rem}