*{box-sizing:border-box;margin:0;padding:0}
  :root{--navy:#0a1a30;--navy2:#10233f;--gold:#c19a3e;--gold2:#d4ad4f;--cream:#f7f4ee;--paper:#fbf9f5;--ink:#1c2431;--grey:#556074;--grey2:#8a94a3;--line:#e8e2d6;--line2:#eceef1}
  html{scroll-behavior:smooth}
  body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);line-height:1.7;background:#fff;-webkit-font-smoothing:antialiased}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:1180px;margin:0 auto;padding:0 26px}
  section{padding:104px 0}
  h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;color:var(--navy);line-height:1.12;font-weight:600;letter-spacing:-.01em}
  h1{font-size:clamp(2.5rem,5.4vw,4rem);font-weight:600}
  h2{font-size:clamp(2rem,3.8vw,2.9rem)}
  h3{font-size:1.4rem}
  p{color:var(--grey);font-size:1.02rem}
  .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Inter';font-size:.76rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:20px}
  .eyebrow:before{content:"";width:28px;height:1px;background:var(--gold)}
  .head{max-width:680px;margin:0 auto 64px;text-align:center}.head .eyebrow{justify-content:center}.head p{margin-top:18px;font-size:1.12rem}
  .btn{display:inline-flex;align-items:center;gap:9px;padding:16px 32px;border-radius:2px;font-family:'Inter';font-weight:600;font-size:.96rem;cursor:pointer;border:1px solid transparent;transition:.2s;letter-spacing:.01em}
  .btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold2);transform:translateY(-2px)}
  .btn-out{background:transparent;border-color:rgba(255,255,255,.35);color:#fff}.btn-out:hover{border-color:var(--gold);color:var(--gold2)}
  .btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy2)}
  .btn-ghost{background:transparent;border-color:var(--line);color:var(--navy)}.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}

  header{position:sticky;top:0;z-index:100;background:rgba(251,249,245,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
  .nav{display:flex;align-items:center;justify-content:space-between;padding:20px 0}
  .logo{font-family:'Fraunces';font-weight:600;font-size:1.5rem;color:var(--navy);display:flex;align-items:center;gap:11px}
  .logo .m{width:38px;height:38px;border:1px solid var(--gold);color:var(--gold);display:grid;place-items:center;font-size:1rem;border-radius:2px}
  .links{display:flex;gap:36px;align-items:center}
  .links a{font-size:.94rem;font-weight:500;color:var(--navy);position:relative}
  .links a:after{content:"";position:absolute;left:0;bottom:-4px;width:0;height:1px;background:var(--gold);transition:.2s}
  .links a:hover:after{width:100%}
  .navr{display:flex;align-items:center;gap:20px}
  .navphone{font-size:.92rem;color:var(--navy);font-weight:600}
  .mbtn{display:none;background:none;border:none;font-size:26px;cursor:pointer;color:var(--navy)}

  .hero{position:relative;background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:120px 0;overflow:hidden}
  .hero:before{content:"";position:absolute;top:-140px;right:-100px;width:520px;height:520px;background:radial-gradient(circle,rgba(193,154,62,.22),transparent 68%)}
  .hero:after{content:"";position:absolute;left:0;bottom:0;width:100%;height:1px;background:linear-gradient(90deg,transparent,rgba(193,154,62,.5),transparent)}
  .hero-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
  .hero h1{color:#fff}.hero .eyebrow{color:var(--gold2)}.hero .eyebrow:before{background:var(--gold2)}
  .hero p{color:rgba(255,255,255,.82);font-size:1.2rem;margin:24px 0 36px;max-width:520px}
  .hact{display:flex;gap:16px;flex-wrap:wrap}
  .hero-side{background:rgba(255,255,255,.04);border:1px solid rgba(193,154,62,.28);border-radius:4px;padding:34px}
  .hero-side h4{color:#fff;font-size:1.15rem;margin-bottom:22px}
  .hstat{display:flex;align-items:baseline;gap:12px;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.1)}
  .hstat:last-child{border-bottom:none}
  .hstat strong{font-family:'Fraunces';font-size:2rem;color:var(--gold2);font-weight:600;min-width:96px}
  .hstat span{color:rgba(255,255,255,.75);font-size:.92rem}

  .strip{background:var(--navy);border-top:1px solid rgba(193,154,62,.2);padding:30px 0}
  .strip .wrap{display:flex;align-items:center;justify-content:center;gap:18px 46px;flex-wrap:wrap}
  .strip .lbl{font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.5)}
  .strip b{font-family:'Fraunces';font-weight:600;color:rgba(255,255,255,.88);font-size:1.15rem}

  .intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
  .intro .lead{font-size:1.24rem;color:var(--ink);font-family:'Fraunces';line-height:1.5;margin-bottom:20px}
  .intro-img{aspect-ratio:4/5;background:linear-gradient(160deg,var(--cream),#ece4d4);border:1px solid var(--line);border-radius:4px;display:grid;place-items:center;color:var(--grey2);font-size:.9rem;position:relative}
  .intro-img:after{content:"";position:absolute;inset:14px;border:1px solid rgba(193,154,62,.4)}
  .sign{margin-top:22px;font-family:'Fraunces';font-size:1.3rem;color:var(--navy)}
  .sign small{display:block;font-family:'Inter';font-size:.85rem;color:var(--grey2);margin-top:2px}

  .paper{background:var(--paper)}
  .cream{background:var(--cream)}
  .navybg{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff}
  .navybg h2,.navybg h3{color:#fff}.navybg p{color:rgba(255,255,255,.75)}.navybg .eyebrow{color:var(--gold2)}.navybg .eyebrow:before{background:var(--gold2)}

  .g3{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--line);border:1px solid var(--line)}
  .svc{background:#fff;padding:40px 34px;transition:.25s}
  .svc:hover{background:var(--paper)}
  .svc .num{font-family:'Fraunces';font-size:.95rem;color:var(--gold);margin-bottom:16px;letter-spacing:.05em}
  .svc h3{margin-bottom:12px}
  .svc p{font-size:.98rem}
  .svc a{display:inline-block;margin-top:18px;font-size:.88rem;font-weight:600;color:var(--navy);border-bottom:1px solid var(--gold);padding-bottom:2px}

  /* Calculator */
  .calc{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid rgba(193,154,62,.3);border-radius:6px;overflow:hidden}
  .calc-l{background:rgba(255,255,255,.04);padding:48px}
  .calc-r{background:#fff;padding:48px;color:var(--ink)}
  .calc-l label{color:#fff;font-size:.9rem;font-weight:600;display:block;margin-bottom:12px}
  .calc-input{display:flex;align-items:center;background:#fff;border-radius:3px;overflow:hidden;margin-bottom:20px}
  .calc-input span{padding:0 16px;color:var(--grey2);font-size:1.2rem;font-family:'Fraunces'}
  .calc-input input{flex:1;border:none;padding:16px 16px 16px 0;font-size:1.3rem;font-family:'Fraunces';color:var(--navy);outline:none;width:100%}
  .calc-slider{width:100%;margin:8px 0 4px;accent-color:var(--gold)}
  .calc-note{color:rgba(255,255,255,.55);font-size:.8rem;line-height:1.6;margin-top:18px}
  .calc-r h4{font-family:'Inter';font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--grey2);margin-bottom:8px}
  .calc-big{font-family:'Fraunces';font-size:3rem;color:var(--navy);font-weight:600;line-height:1}
  .calc-big small{font-size:1rem;color:var(--grey2)}
  .calc-rows{margin-top:26px}
  .calc-row{display:flex;justify-content:space-between;padding:13px 0;border-bottom:1px solid var(--line2);font-size:.96rem}
  .calc-row span{color:var(--grey)}.calc-row b{color:var(--navy);font-family:'Fraunces';font-weight:600}
  .calc-row.take b{color:var(--gold)}

  .team{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
  .tm{text-align:center}
  .tm .ph{aspect-ratio:1;background:linear-gradient(160deg,var(--cream),#e6ddcc);border-radius:4px;margin-bottom:20px;display:grid;place-items:center;color:var(--grey2);font-size:.85rem;position:relative}
  .tm .ph:after{content:"";position:absolute;inset:10px;border:1px solid rgba(193,154,62,.35)}
  .tm h3{font-size:1.25rem;margin-bottom:3px}
  .tm .role{color:var(--gold);font-size:.85rem;font-weight:600;letter-spacing:.04em;margin-bottom:10px;font-family:'Inter'}
  .tm p{font-size:.92rem}

  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:34px}
  .step .n{font-family:'Fraunces';font-size:2.4rem;color:var(--gold);margin-bottom:12px;line-height:1}
  .step h3{font-size:1.2rem;margin-bottom:8px}.step p{font-size:.94rem}
  .step{border-top:1px solid rgba(255,255,255,.15);padding-top:20px}

  .tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
  .tq{background:#fff;border:1px solid var(--line);border-radius:4px;padding:34px;position:relative}
  .tq:before{content:"\201C";position:absolute;top:14px;right:24px;font-family:'Fraunces';font-size:4rem;color:rgba(193,154,62,.2);line-height:1}
  .tq .stars{color:var(--gold);letter-spacing:2px;margin-bottom:14px}
  .tq p{font-size:1.02rem;color:var(--ink);font-family:'Fraunces';line-height:1.5;margin-bottom:22px}
  .tq .who b{color:var(--navy);font-size:.94rem;display:block}.tq .who span{color:var(--grey2);font-size:.84rem}

  .ins{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
  .icard{background:#fff;border:1px solid var(--line);border-radius:4px;overflow:hidden;transition:.25s}
  .icard:hover{transform:translateY(-4px);box-shadow:0 20px 40px rgba(10,26,48,.1)}
  .icard .im{aspect-ratio:16/10;background:linear-gradient(150deg,var(--navy),var(--navy2));display:grid;place-items:center;color:rgba(193,154,62,.6);font-size:.85rem}
  .icard .ib{padding:28px}
  .icard .tag{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
  .icard h3{font-size:1.18rem;margin:12px 0 8px}
  .icard p{font-size:.93rem}
  .icard .date{font-size:.82rem;color:var(--grey2);margin-top:16px}

  .faq{max-width:800px;margin:0 auto}
  .fitem{border-bottom:1px solid var(--line)}
  .fq{display:flex;justify-content:space-between;align-items:center;gap:16px;cursor:pointer;padding:26px 0;font-family:'Fraunces';font-size:1.18rem;color:var(--navy);font-weight:600}
  .fq .i{color:var(--gold);font-size:1.5rem;transition:.2s;flex-shrink:0}
  .fa{max-height:0;overflow:hidden;transition:.3s}.fa p{padding-bottom:26px;font-size:.98rem}
  .fitem.open .fa{max-height:320px}.fitem.open .fq .i{transform:rotate(45deg)}

  .cta{position:relative;background:linear-gradient(160deg,var(--navy),var(--navy2));border-radius:6px;padding:72px 56px;text-align:center;overflow:hidden}
  .cta:before{content:"";position:absolute;top:-100px;left:-60px;width:360px;height:360px;background:radial-gradient(circle,rgba(193,154,62,.2),transparent 70%)}
  .cta h2{color:#fff;position:relative}.cta p{color:rgba(255,255,255,.85);margin:16px auto 30px;max-width:540px;position:relative}
  .cta .hact{justify-content:center;position:relative}

  .contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
  .ci{display:flex;gap:16px;margin-bottom:26px}
  .ci .ic{flex-shrink:0;width:48px;height:48px;border:1px solid var(--gold);color:var(--gold);display:grid;place-items:center;border-radius:2px}
  .ci b{color:var(--navy);font-size:.95rem;font-family:'Inter'}.ci p{font-size:.95rem}
  .fcard{background:#fff;border:1px solid var(--line);border-radius:6px;padding:40px}
  .frow{display:grid;grid-template-columns:1fr 1fr;gap:18px}
  label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:7px}
  input,textarea{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:3px;font-family:inherit;font-size:.96rem;margin-bottom:18px;background:var(--paper)}
  input:focus,textarea:focus{outline:none;border-color:var(--gold);background:#fff}
  #ok2{display:none;background:rgba(193,154,62,.1);border:1px solid var(--gold);color:var(--navy);padding:14px;border-radius:3px;font-size:.92rem}

  footer{background:var(--navy);color:rgba(255,255,255,.7);padding:72px 0 28px}
  .fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:44px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.12)}
  .flogo{font-family:'Fraunces';font-weight:600;font-size:1.4rem;color:#fff;margin-bottom:16px;display:flex;align-items:center;gap:11px}
  .flogo .m{width:36px;height:36px;border:1px solid var(--gold);color:var(--gold);display:grid;place-items:center;font-size:.9rem;border-radius:2px}
  footer h4{font-family:'Inter';color:#fff;font-size:.86rem;text-transform:uppercase;letter-spacing:.04em;margin-bottom:18px}
  footer p{color:rgba(255,255,255,.6);font-size:.9rem}
  footer ul{list-style:none}footer li{margin-bottom:11px}footer li a{font-size:.9rem;color:rgba(255,255,255,.7)}footer li a:hover{color:var(--gold2)}
  .fleg{font-size:.82rem;color:rgba(255,255,255,.48);line-height:1.75}
  .fbot{display:flex;justify-content:space-between;padding-top:22px;font-size:.82rem;color:rgba(255,255,255,.5);flex-wrap:wrap;gap:10px}

  .reveal{opacity:0;transform:translateY(20px);transition:.7s}.reveal.in{opacity:1;transform:none}

  @media(max-width:920px){
    .hero-grid,.intro-grid,.calc,.contact-grid{grid-template-columns:1fr;gap:40px}
    .g3,.team,.steps,.tgrid,.ins{grid-template-columns:1fr}
    .fgrid{grid-template-columns:1fr 1fr}
    .links{position:fixed;top:70px;left:0;right:0;background:var(--paper);flex-direction:column;gap:0;padding:8px 26px 22px;border-bottom:1px solid var(--line);transform:translateY(-150%);transition:.3s}
    .links.open{transform:translateY(0)}.links a{width:100%;padding:15px 0;border-bottom:1px solid var(--line)}
    .mbtn{display:block}.navphone{display:none}
    .frow{grid-template-columns:1fr}.calc-l,.calc-r{padding:34px}
  }
  @media(max-width:560px){.fgrid{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}}
/* ---- inner pages ---- */
.page-hero{position:relative;background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:88px 0;text-align:center;overflow:hidden}
.page-hero:after{content:"";position:absolute;left:0;bottom:0;width:100%;height:1px;background:linear-gradient(90deg,transparent,rgba(193,154,62,.5),transparent)}
.page-hero h1{color:#fff}
.page-hero .eyebrow{justify-content:center;color:var(--gold2)}.page-hero .eyebrow:before{background:var(--gold2)}
.page-hero p{color:rgba(255,255,255,.82);max-width:640px;margin:14px auto 0;font-size:1.12rem}
.crumb{font-size:.82rem;color:rgba(255,255,255,.55);margin-bottom:14px;letter-spacing:.04em}.crumb a{color:var(--gold2)}
.legal{max-width:820px;margin:0 auto}
.legal h2{font-size:1.45rem;margin:40px 0 14px}.legal h2:first-of-type{margin-top:0}
.legal p,.legal li{color:var(--grey);margin-bottom:12px;font-size:1rem}
.legal ul{padding-left:24px;margin-bottom:12px}
.legal .note{background:var(--cream);border-left:2px solid var(--gold);padding:16px 20px;font-size:.92rem;margin-bottom:32px}
.legal .upd{font-size:.86rem;color:var(--grey2);margin-bottom:8px}
.cookie{position:fixed;bottom:18px;left:18px;right:18px;max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);box-shadow:0 16px 50px rgba(10,26,48,.22);border-radius:6px;padding:20px 22px;z-index:900;display:none}
.cookie.show{display:block}
.cookie p{font-size:.88rem;color:var(--grey);margin-bottom:14px;line-height:1.6}
.cookie a{color:var(--gold);text-decoration:underline}
.cookie .cbtns{display:flex;gap:10px}
.cookie button{flex:1;padding:11px 14px;border-radius:2px;font-size:.85rem;font-weight:600;cursor:pointer;border:1px solid var(--gold);font-family:'Inter',sans-serif}
.cookie .acc{background:var(--gold);color:#fff}.cookie .rej{background:#fff;color:var(--navy);border-color:var(--line)}
.centre{text-align:center;margin-top:40px}