:root{
  --ivory:#F7F3EC;--ivory2:#EFE8DD;--navy:#17253B;--navy2:#22334D;--ink:#253243;
  --muted:#68717B;--gold:#B7965A;--goldsoft:#D8C5A2;--white:#FFFDF9;--sage:#E2E8E0;
  --line:rgba(23,37,59,.12);--shadow:0 24px 70px rgba(23,37,59,.11);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --sans:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--ivory);color:var(--navy);font-family:var(--sans);line-height:1.58}
a{color:inherit;text-decoration:none}img{max-width:100%}.wrap,.shell{width:min(1420px,calc(100% - 56px));margin:auto}
.announcement{background:var(--navy);color:#F8F4ED;text-align:center;padding:9px 18px;font-size:10px;letter-spacing:.18em;text-transform:uppercase}
header{position:sticky;top:0;z-index:40;background:rgba(247,243,236,.94);backdrop-filter:blur(18px);border-bottom:1px solid var(--line)}
.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:32px}.brand{display:flex;align-items:center;gap:12px;font-weight:760;letter-spacing:.14em;font-size:14px}
.mark{width:38px;height:38px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-size:18px}
.links{display:flex;gap:29px;font-size:13px;color:#364357}.links a:hover{color:var(--gold)}.actions{display:flex;gap:10px}.mobile{display:none;border:0;background:none;font-size:23px;color:var(--navy)}
.btn{min-height:46px;padding:0 22px;border-radius:999px;border:1px solid var(--navy);display:inline-flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;white-space:nowrap;background:transparent;cursor:pointer;transition:.2s ease}
.btn:hover{transform:translateY(-1px)}.btn.primary{background:var(--navy);color:#fff}.btn.primary:hover{background:var(--navy2)}.btn.gold{background:var(--gold);border-color:var(--gold);color:#fff}
.eyebrow{color:var(--gold);font-size:10px;font-weight:800;letter-spacing:.23em;text-transform:uppercase;margin-bottom:22px}
h1,h2,h3{font-family:var(--serif);font-weight:400;letter-spacing:-.035em;margin:0}h1{font-size:clamp(54px,6vw,96px);line-height:.94}h2{font-size:clamp(42px,4.4vw,70px);line-height:1}h3{font-size:26px;line-height:1.12}
p{color:#58626F}.lead{font-size:18px;line-height:1.72;max-width:760px;color:#5D6672}.muted{color:#707985}
section{padding:108px 0}.paper{background:var(--ivory2)}.dark{background:var(--navy);color:#fff}.dark p,.dark .muted{color:#C9D0D9}.dark h1,.dark h2,.dark h3{color:#fff}
.section-head{max-width:940px;margin-bottom:54px}.section-head .eyebrow{margin-bottom:18px}.section-head p{max-width:760px}
.inner-hero{padding:18px 0 34px;max-width:1000px}.inner-hero h1{max-width:920px}.inner-hero .lead{margin-top:24px}
.grid2,.grid3,.grid4{display:grid;gap:16px}.grid2{grid-template-columns:repeat(2,1fr)}.grid3{grid-template-columns:repeat(3,1fr)}.grid4{grid-template-columns:repeat(4,1fr)}
.card{background:rgba(255,255,255,.22);border:1px solid var(--line);border-radius:24px;padding:28px;min-height:210px}.paper .card{background:rgba(255,253,249,.65)}.dark .card{border-color:rgba(255,255,255,.16);background:rgba(255,255,255,.035)}
.card h3{margin:4px 0 13px}.card p{font-size:14px}.num{font-family:var(--serif);font-size:26px;color:var(--gold);margin-bottom:34px}
.plan.featured{background:var(--navy);color:#fff;border-color:var(--navy);box-shadow:var(--shadow)}.plan.featured p,.plan.featured li{color:#D5DBE3}
.list{padding-left:19px;color:#626C78}.list li{margin:9px 0}
.notice{border:1px solid rgba(183,150,90,.25);background:rgba(216,197,162,.15);border-radius:18px;padding:18px 20px;font-size:13px;color:#616A74}
.prose{max-width:900px}.prose h2{font-size:30px;margin:42px 0 10px}.prose h3{font-size:22px;margin:28px 0 8px}.prose p,.prose li{font-size:15px;line-height:1.75}.prose a{color:#795D31;text-decoration:underline;text-underline-offset:3px}
.compare{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:26px;overflow:hidden}.compare>div{padding:38px}.compare .ours{background:var(--navy);color:#fff}.compare .ours p{color:#D4DAE2}
.journey{display:grid;grid-template-columns:repeat(5,1fr);border-top:1px solid var(--line)}.step{padding:25px 20px 28px 0;border-right:1px solid var(--line)}.step+.step{padding-left:20px}.step:last-child{border-right:0}.step strong{font-family:var(--serif);font-size:24px;font-weight:400}
.quote{font-family:var(--serif);font-size:clamp(34px,4vw,62px);line-height:1.04;max-width:1050px;color:#fff}
.form{max-width:900px;display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:34px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:12px;font-weight:700;color:#4F5A68}
input,select,textarea{width:100%;border:1px solid rgba(23,37,59,.16);border-radius:15px;padding:14px 15px;background:#FFFDF9;color:var(--navy);font:inherit;outline:none}textarea{min-height:150px;resize:vertical}input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(183,150,90,.1)}
.form-status{font-size:12px;margin:0}.login-box{max-width:620px;background:var(--white);border:1px solid var(--line);border-radius:28px;padding:34px;box-shadow:0 16px 50px rgba(23,37,59,.06)}
.hero{min-height:690px;display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:74px;padding:70px 0 76px}
.hero-copy{font-size:18px;line-height:1.72;max-width:680px;color:#56606D;margin:28px 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.hero-actions .btn{min-width:190px}
.trust-points{display:flex;gap:20px;flex-wrap:wrap;margin-top:24px;color:#68717B;font-size:12px}.trust-points span:before{content:"✓";color:var(--gold);font-weight:800;margin-right:7px}
.visual{position:relative;min-height:560px;display:grid;place-items:center}.ring{position:absolute;width:520px;height:520px;border-radius:50%;border:1px solid rgba(183,150,90,.28)}.ring:before,.ring:after{content:"";position:absolute;border-radius:50%;border:1px solid rgba(183,150,90,.12)}.ring:before{inset:52px}.ring:after{inset:108px}
.profile-card{position:relative;width:min(470px,92%);background:rgba(255,253,249,.98);border:1px solid rgba(183,150,90,.23);border-radius:30px;padding:28px;box-shadow:var(--shadow)}
.profile-top{display:flex;justify-content:space-between;align-items:flex-start;gap:18px;margin-bottom:22px}.profile-kicker{font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:800;margin-bottom:5px}.profile-loc{font-size:19px;font-weight:760}.badge{background:var(--sage);padding:7px 11px;border-radius:999px;font-size:10px;font-weight:800;white-space:nowrap}
.protected{height:186px;border-radius:22px;background:linear-gradient(145deg,#E7E0D5,#D5CCBF);display:grid;place-items:center;text-align:center;color:#58616D}.protected strong{display:block;font-family:var(--serif);font-size:23px;font-weight:400}.protected small{display:block;margin-top:6px}.meta{margin-top:18px}.row{display:flex;justify-content:space-between;gap:18px;padding:13px 2px;border-bottom:1px solid var(--line);font-size:13px}.row:last-child{border-bottom:0}.ok{color:#4E684F;font-weight:800}
.callout{position:absolute;right:-10px;bottom:24px;width:220px;background:var(--navy);color:#fff;padding:18px 20px;border-radius:18px;box-shadow:0 18px 50px rgba(23,37,59,.18)}.callout strong{font-family:var(--serif);font-size:22px;line-height:1.1;font-weight:400;display:block;margin-bottom:7px}.callout span{font-size:12px;color:#DCE2EA}
.home-dark{background:var(--navy);color:#fff;padding:104px 0}.home-dark-grid{display:grid;grid-template-columns:.86fr 1.14fr;gap:90px;align-items:start}.home-dark p{font-size:18px;color:#C9D0D9;margin:0 0 22px}.home-compare{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid rgba(255,255,255,.16);margin-top:30px}.home-compare div{padding:18px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:13px}.home-compare div:nth-child(odd){color:#8F99A6}.home-compare div:nth-child(even){font-weight:700}
.home-section{padding:112px 0}.home-head{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;margin-bottom:58px}.home-journey{display:grid;grid-template-columns:repeat(5,1fr);border-top:1px solid var(--line)}.home-step{min-height:232px;padding:26px 20px 30px 0;border-right:1px solid var(--line)}.home-step+.home-step{padding-left:20px}.home-step:last-child{border-right:0}.home-step .num{margin:0}.home-step h3{font-size:24px;margin:40px 0 11px}.home-step p{font-size:13px;color:#69727D;margin:0}
.family-band{background:var(--ivory2);padding:104px 0}.family-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:80px;align-items:center}.quote-card{background:var(--white);border:1px solid rgba(183,150,90,.18);border-radius:28px;padding:42px;box-shadow:0 16px 50px rgba(23,37,59,.06)}.quote-card p{font-family:var(--serif);font-size:30px;line-height:1.28;margin:0 0 22px;color:var(--navy)}
.principles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.principle{border:1px solid var(--line);border-radius:22px;padding:26px;min-height:225px}.principle i{font-style:normal;color:var(--gold);font-size:20px}.principle h3{font-size:24px;margin:42px 0 10px}.principle p{font-size:13px;color:#69727D;margin:0}
.cta{background:linear-gradient(135deg,#9E7D46,#B89459);color:#fff;text-align:center;padding:104px 0}.cta h2{max-width:900px;margin:auto}.cta p{max-width:640px;margin:24px auto 30px;color:#F7EFE3}.cta .btn{background:#fff;border-color:#fff;color:var(--navy);min-width:220px}
footer{background:#101C2E;color:#CAD1DA;padding:54px 0 26px}.foot{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:38px}.foot .brand{color:#fff}.foot h4{color:#fff;font-size:12px;letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px}.foot>div>a:not(.brand){display:block;font-size:12px;color:#AEB7C2;margin:9px 0}.foot>div>a:hover{color:#fff}.legalbar{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.1);margin-top:38px;padding-top:20px;font-size:10px;color:#8E99A7}
.reveal{opacity:0;transform:translateY(14px);transition:.65s ease}.reveal.on{opacity:1;transform:none}
@media(max-width:980px){
  .links{display:none}.mobile{display:block}.nav.open .links{display:flex;position:absolute;top:76px;left:0;right:0;background:var(--ivory);padding:24px 28px;border-bottom:1px solid var(--line);flex-direction:column;gap:18px}.actions{margin-left:auto}.hero{grid-template-columns:1fr;padding-top:58px}.home-dark-grid,.home-head,.family-grid{grid-template-columns:1fr;gap:42px}.journey,.home-journey{grid-template-columns:1fr 1fr}.grid4,.principles{grid-template-columns:1fr 1fr}.foot{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  .wrap,.shell{width:min(100% - 28px,1420px)}.announcement{font-size:8px}.nav{height:68px}.actions .btn:first-child{display:none}.nav.open .links{top:68px}.hero{min-height:auto;padding:52px 0 48px;gap:18px}h1{font-size:54px}.hero-copy,.lead{font-size:16px}.hero-actions{flex-direction:column}.hero-actions .btn{width:100%}.visual{min-height:500px}.ring{width:400px;height:400px}.profile-card{width:94%;padding:20px}.callout{right:0;bottom:6px}
  section,.home-dark,.home-section,.family-band,.cta{padding:76px 0}.home-journey,.journey,.grid2,.grid3,.grid4,.principles,.compare,.form{grid-template-columns:1fr}.home-step,.home-step+.home-step,.step,.step+.step{padding:24px 0;border-right:0;border-bottom:1px solid var(--line);min-height:auto}.home-step h3{margin-top:22px}.compare>div{padding:26px}.field.full{grid-column:auto}.foot{grid-template-columns:1fr}.legalbar{flex-direction:column}.mobile{display:block}
}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}