:root{
  --black:#09090B; --black-2:#18181B; --black-line:#27272A;
  --gold:#F5BD1E; --gold-dark:#E2A90A;
  --off:#F8F7F5; --white:#FFFFFF; --line:#E5E7EB;
  --ink:#111827; --body:#4B5563; --muted-dark:#A1A1AA; --nav:#CBD5E0; --field:#D1D5DB;
  --sans:"Inter","Helvetica Neue",Arial,sans-serif; --logo:"Raleway","Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--off);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
.wrap{max-width:1248px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--sans);font-weight:800;letter-spacing:-.025em;line-height:1.08;margin:0;color:inherit}
h1{font-size:clamp(42px,6vw,80px);line-height:1.02}
h2{font-size:clamp(32px,3.8vw,50px)}
h3{font-size:clamp(20px,1.8vw,24px);font-weight:700;letter-spacing:-.015em;line-height:1.25}
p{margin:0;color:var(--body)}
.lead{font-size:clamp(18px,1.6vw,21px)}
.eyebrow{font-size:13px;letter-spacing:.16em;font-weight:700;color:#B7860B;text-transform:uppercase}
.on-dark .eyebrow{color:var(--gold)}
.eyebrow--lined{display:inline-flex;align-items:center;gap:14px}
.eyebrow--lined::before,.eyebrow--lined::after{content:"";width:28px;height:1px;background:currentColor}
.on-dark{color:#fff}
.on-dark p{color:var(--muted-dark)}
.stack{display:flex;flex-direction:column;gap:18px}
.stack-lg{display:flex;flex-direction:column;gap:48px}
.narrow{max-width:820px}
.center{text-align:center;align-items:center}

/* buttons */
.btn{display:inline-block;padding:16px 28px;border-radius:6px;background:var(--gold);color:var(--black);text-decoration:none;font-weight:600;font-size:17px;border:0;font-family:inherit;cursor:pointer;text-align:center;white-space:nowrap;transition:background .15s}
.btn:hover{background:var(--gold-dark)}
.btn--dark{background:var(--black);color:#fff;border:1px solid var(--black-line)}
.btn--dark:hover{background:#000}
.on-dark .btn--dark{border-color:#3F3F46}
.btn--outline{background:transparent;color:var(--ink);border:1px solid var(--ink);padding:15px 27px}
.btn--outline:hover{background:var(--ink);color:#fff}
.btn[disabled]{opacity:.55;cursor:default}
.tlink{font-weight:600;font-size:17px;text-decoration:underline;text-underline-offset:5px;text-decoration-color:var(--gold);text-decoration-thickness:2px}
.tlink:hover{color:#B7860B}
.btn-row{display:flex;gap:16px;align-items:center;flex-wrap:wrap}

/* header */
.site-header{position:sticky;top:0;z-index:20;background:var(--black)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:76px;gap:24px}
.logo{font-family:var(--logo);font-weight:300;font-size:34px;letter-spacing:.01em;text-decoration:none;color:#fff;line-height:1}
.nav{display:flex;align-items:center;gap:32px;font-size:16px;font-weight:500;color:var(--nav)}
.nav a:not(.btn){text-decoration:none}
.nav a:not(.btn):hover{color:#fff}
.nav a[aria-current="page"]{color:#fff;text-decoration:underline;text-underline-offset:8px;text-decoration-color:var(--gold);text-decoration-thickness:2px}
.nav .btn{padding:12px 20px;font-size:16px}
.nav-toggle{display:none;background:none;border:1px solid #3F3F46;border-radius:8px;width:46px;height:46px;cursor:pointer;color:#fff}
.nav-toggle svg{display:block;margin:auto}

/* sections */
.sec{padding:104px 0}
.sec--white{background:var(--white)}
.sec--black{background:var(--black)}
.hero{position:relative;background:var(--black);color:#fff;padding:136px 0 128px;text-align:center;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80' viewBox='0 0 80 80'%3E%3Cpath d='M0 40 L40 0 M40 80 L80 40 M-10 10 L10 -10 M70 90 L90 70' stroke='%23F5BD1E' stroke-width='1' fill='none' opacity='.5'/%3E%3C/svg%3E");
  opacity:.14;-webkit-mask-image:radial-gradient(ellipse at center,#000 10%,transparent 72%);mask-image:radial-gradient(ellipse at center,#000 10%,transparent 72%)}
.hero .wrap{position:relative}
.hero .stack{align-items:center;gap:26px}
.hero h1{max-width:1000px}
.hero p.lead{max-width:740px;color:#94A3B8}
.hero .btn-row{justify-content:center;margin-top:8px}
.hero-note{font-size:16px;font-weight:500;color:var(--nav);text-underline-offset:4px}
.hero-note:hover{color:#fff}
.hero--short{padding:112px 0 104px}
.quote{padding:72px 0;text-align:center;background:var(--white);border-bottom:1px solid var(--line)}
.quote blockquote{margin:0 auto;max-width:940px;font-weight:600;font-size:clamp(22px,2.4vw,30px);line-height:1.35;letter-spacing:-.01em}
.quote cite{display:block;margin-top:18px;font-style:normal;font-size:13px;letter-spacing:.16em;font-weight:700;color:#B7860B;text-transform:uppercase}

/* grids */
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:40px 32px}
.split{display:grid;grid-template-columns:5fr 6fr;gap:80px;align-items:start}
.split--center{align-items:center}

/* cards */
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:40px;display:flex;flex-direction:column;gap:16px}
.card--off{background:var(--off)}
.card ul{margin:0;padding-left:20px;font-size:16px;line-height:1.55;color:var(--body)}
.card li{margin-bottom:8px}
.card li::marker{color:var(--gold)}
.dcard{background:var(--black-2);border:1px solid var(--black-line);border-radius:12px;padding:34px;display:flex;flex-direction:column;gap:12px}
.dcard .num{font-weight:800;font-size:34px;color:var(--gold);line-height:1;letter-spacing:-.02em}
.dcard h3{color:#fff}
.dcard p{font-size:16px}
.rule{border-top:3px solid var(--gold);padding-top:20px;display:flex;flex-direction:column;gap:10px}
.rule h3{font-size:21px}
.rule p{font-size:16px}
.who{border-top:3px solid var(--gold);padding-top:16px;font-weight:700;font-size:22px;letter-spacing:-.01em}

/* process */
.steps{border-bottom:1px solid var(--line)}
.step{display:grid;grid-template-columns:80px 320px 190px minmax(0,1fr);gap:24px;padding:26px 0;border-top:1px solid var(--line);align-items:baseline}
.step .n{font-weight:800;font-size:28px;color:#B7860B}
.step .t{font-weight:700;font-size:23px;letter-spacing:-.015em}
.step .tm{font-size:15px;font-weight:600;color:var(--body)}
.step p{font-size:16px}
.head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:48px}
.head-row > p{max-width:400px}

/* checks */
.checks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:40px}
.checks div{padding:18px 0;border-top:1px solid var(--line);display:flex;flex-direction:column;gap:4px}
.checks strong{font-size:17px}
.checks span{font-size:15px;color:var(--body);line-height:1.55}

/* panels */
.panel{background:var(--black);color:#fff;border-radius:16px;padding:64px;display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.panel p{color:var(--muted-dark)}
.panel .eyebrow{color:var(--gold)}
.panel--light{background:#fff;color:var(--ink);border:1px solid var(--line)}
.panel--light p{color:var(--body)}
.panel--light .eyebrow{color:#B7860B}
.panel--slim{padding:52px 60px;grid-template-columns:5fr 6fr;align-items:center}
.inside{background:var(--black-2);border:1px solid var(--black-line);border-radius:12px;padding:30px 36px 18px}
.inside > strong{display:block;font-size:17px;margin-bottom:8px;color:#fff}
.inside div{padding:15px 0;border-top:1px solid var(--black-line);display:flex;flex-direction:column;gap:3px}
.inside div strong{font-size:16px;color:#fff}
.inside div span{font-size:15px;line-height:1.55;color:var(--muted-dark)}
.box-dark{background:var(--black);border-radius:16px;padding:48px}

/* forms */
.field{display:flex;flex-direction:column;gap:7px;font-size:14px;font-weight:600;color:var(--ink)}
.field input,.field select,.field textarea{height:50px;padding:0 14px;border:1px solid var(--field);background:#fff;font-size:16px;font-family:inherit;border-radius:6px;color:var(--ink);width:100%}
.field textarea{height:auto;padding:12px 14px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);outline-offset:0;border-color:var(--gold-dark)}
.on-dark .field,.panel .field{color:#fff}
.checkset{border:0;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.checkset legend{font-size:14px;font-weight:600;margin-bottom:8px;padding:0}
.checkset label{display:flex;align-items:center;gap:10px;font-size:16px;font-weight:500}
.checkset input{width:18px;height:18px;accent-color:#B7860B}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form{display:flex;flex-direction:column;gap:16px}
.small{font-size:14px;color:var(--body)}
.on-dark .small,.panel .small{color:var(--muted-dark)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{padding:18px 22px;background:#FEF7E0;border:1px solid #F7D774;border-radius:8px;font-size:17px;line-height:1.5;color:var(--ink)}
.form-err{color:#B42318;font-size:15px}
.panel .form-err{color:#FCA5A5}
[hidden]{display:none!important}

/* calculator */
.calc-card{background:var(--off);border:1px solid var(--line);border-radius:14px;padding:44px 48px;min-height:620px;display:flex;flex-direction:column}
.tiers{border-top:1px solid var(--line)}
.tiers div{padding:15px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.tiers strong{font-weight:700;font-size:19px}
.tiers span{font-size:15px;color:var(--body);text-align:right}
.bars{display:flex;gap:6px}
.bars i{height:5px;flex:1;border-radius:3px;background:var(--line)}
.bars i.on{background:var(--gold)}
.calc-meta{display:flex;justify-content:space-between;align-items:center;font-size:14px;font-weight:600;color:var(--body);min-height:32px}
.linkbtn{background:none;border:0;padding:4px 0;font:inherit;font-weight:600;color:var(--ink);cursor:pointer;text-decoration:underline;text-underline-offset:4px;text-decoration-color:var(--gold);text-decoration-thickness:2px}
.opts{display:flex;flex-direction:column;gap:10px}
.opt{text-align:left;padding:17px 20px;background:#fff;border:1px solid var(--field);border-radius:8px;font:inherit;font-size:17px;font-weight:500;color:var(--ink);cursor:pointer}
.opt:hover{border-color:var(--gold-dark);background:#FFFBEB}
.calc-q{font-size:clamp(24px,2.2vw,30px);line-height:1.2}
.note{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:8px;padding:13px 16px;font-size:15px;line-height:1.55;color:var(--body)}

/* people */
.person{background:#fff;border:1px solid var(--line);border-radius:16px;padding:56px;display:grid;grid-template-columns:4fr 7fr;gap:48px;align-items:center}
.person img{width:260px;height:260px;object-fit:cover;border-radius:50%;border:4px solid var(--gold);margin:0 auto}
.person blockquote{margin:0;font-weight:500;font-size:clamp(19px,1.8vw,22px);line-height:1.5;color:var(--ink)}
.role{font-size:13px;letter-spacing:.16em;font-weight:700;color:#B7860B;text-transform:uppercase}

/* CTA */
.cta{display:flex;justify-content:space-between;align-items:center;gap:64px}
.cta .stack{max-width:760px}
.cta-btns{display:flex;flex-direction:column;gap:12px}

/* contact / flows */
.flow-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:48px}
.flow-steps{border-bottom:1px solid var(--black-line)}
.flow-steps div{display:grid;grid-template-columns:40px 1fr;padding:16px 0;border-top:1px solid var(--black-line)}
.flow-steps b{font-weight:800;font-size:20px;color:var(--gold)}
.flow-steps span{color:var(--muted-dark);font-size:16px}
.dbox{background:var(--black-2);border:1px solid var(--black-line);border-radius:12px;padding:24px 26px;display:flex;flex-direction:column;gap:6px}
.dbox strong{color:#fff}
.dbox a{color:var(--gold);font-weight:600}
.dbox p{font-size:15px}
.contact-line{color:var(--nav)}
.contact-line a{color:#fff}

/* footer */
.site-footer{background:var(--black);color:var(--nav);padding:64px 0 36px}
.foot-top{display:flex;justify-content:space-between;gap:64px;align-items:flex-start}
.foot-top .stack{gap:14px;max-width:420px}
.foot-top p{font-size:15px;color:var(--muted-dark)}
.foot-links{display:flex;gap:72px;font-size:15px}
.foot-links div{display:flex;flex-direction:column;gap:10px}
.foot-links a{text-decoration:none}
.foot-links a:hover{color:#fff}
.foot-guide{font-size:15px;font-weight:600;color:var(--gold)}
.foot-bottom{border-top:1px solid var(--black-line);margin-top:44px;padding-top:20px;font-size:13px;color:#71717A}

/* responsive */
@media (max-width:1100px){
  .step{grid-template-columns:64px 1fr;row-gap:6px}
  .step .tm,.step p{grid-column:2}
  .split{gap:48px}
}
@media (max-width:900px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--black);border-top:1px solid var(--black-line);flex-direction:column;align-items:flex-start;padding:20px 24px 28px;gap:18px}
  .nav.open{display:flex}
  .sec{padding:76px 0}
  .hero{padding:96px 0 88px}
  .grid-2,.grid-3,.split,.panel,.panel--slim,.person,.checks{grid-template-columns:1fr}
  .grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .panel{padding:40px 26px}
  .person{padding:36px 26px;gap:30px;text-align:center}
  .person .btn-row{justify-content:center}
  .cta{flex-direction:column;align-items:flex-start;gap:30px}
  .head-row{flex-direction:column;align-items:flex-start;gap:18px}
  .foot-top{flex-direction:column;gap:36px}
  .calc-card{padding:30px 22px;min-height:0}
  .flow-card{padding:30px 22px}
  .box-dark{padding:34px 26px}
}
@media (max-width:600px){
  body{font-size:16px}
  .grid-4,.form-row{grid-template-columns:1fr}
  .card{padding:30px 24px}
  .person img{width:200px;height:200px}
  .foot-links{gap:40px}
  .btn{white-space:normal}
  .hero .btn-row .btn{width:100%}
}
.flow-card .field,.flow-card h2,.flow-card h3{color:var(--ink)}
.flow-card p{color:var(--body)}
.flow-card .form-err{color:#B42318}
.form-msg h3{color:var(--ink);margin-bottom:4px}
.grid-check{display:grid;grid-template-columns:repeat(var(--cols,2),minmax(0,1fr));gap:10px 18px}
.grid-check legend{grid-column:1/-1}
.grid-check label{font-size:15px}
details.states{border:1px solid var(--field);border-radius:6px;padding:12px 14px}
details.states summary{cursor:pointer;font-size:14px;font-weight:600}
details.states .checkset{margin-top:14px}
details.states legend{position:absolute;left:-9999px}
@media (max-width:600px){.grid-check{grid-template-columns:1fr 1fr}}
/* FAQ */
.faq-cols{display:grid;grid-template-columns:3fr 2fr;gap:56px;align-items:start}
.faq-group{font-size:13px;letter-spacing:.16em;font-weight:700;color:#B7860B;text-transform:uppercase;padding-bottom:14px;border-bottom:3px solid var(--gold)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:20px 0}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:26px;font-weight:400;color:#B7860B;line-height:1;flex-shrink:0}
.faq-item[open] summary::after{content:"\2212"}
.faq-item h3{font-size:18px;font-weight:600;letter-spacing:-.01em;line-height:1.4}
.faq-item p{padding:0 40px 22px 0;font-size:16px}
@media (max-width:900px){.faq-cols{grid-template-columns:1fr;gap:40px}}
h1,h2,h3{text-wrap:balance}
.money{position:relative}
.money span{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:16px;color:var(--body);pointer-events:none}
.money input{padding-left:28px}
.opt--check{display:flex;align-items:center;gap:12px}
.opt--check input{width:18px;height:18px;accent-color:#B7860B;margin:0}
.opt--check.on{border-color:var(--gold-dark);background:#FFFBEB}
.panel--single{grid-template-columns:1fr;max-width:820px;margin:0 auto}
.meeting-frame{width:100%;height:720px;border:0;border-radius:8px;background:#fff}