:root{
  --g9:#06381b; --g8:#0a4a26; --g7:#0a5f2e; --g6:#0a7d3c; --g1:#e6f1ea; --g05:#f2f7f3;
  --gold:#e3b04b; --gold-d:#cf9a32; --gold1:#fbf3e1;
  --ink:#16201a; --muted:#56635b; --line:#dbe3dd; --bg:#fcfbf7; --card:#fff;
  --r:12px; --max:1140px;
  --serif:"Fraunces",Georgia,serif; --sans:"Nunito Sans",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
h1,h2,h3{font-family:var(--serif);line-height:1.15;color:var(--g9);margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.1rem,4.6vw,3.3rem);letter-spacing:-.015em}
h2{font-size:clamp(1.6rem,3vw,2.2rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
a{color:var(--g6)}
a:hover{color:var(--g9)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:8px 12px;border-radius:6px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* top bar + header */
.topbar{background:var(--g9);color:#cfe0d5;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;margin-left:18px;font-weight:600}
.topbar a:hover{text-decoration:underline;color:#fff}
@media (max-width:720px){.topbar .wrap>span:first-child{display:none}.topbar .tb-links{width:100%;display:flex;justify-content:space-between}.topbar a{margin:0}}
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--g9)}
.brand svg{flex:none}
.brand b{font-family:var(--serif);font-size:1.3rem;font-weight:600;display:block;line-height:1.1}
.brand small{display:block;font-size:.7rem;color:var(--muted);letter-spacing:.06em;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:2px}
.nav>a,.dd>a{text-decoration:none;color:var(--ink);font-size:.97rem;font-weight:600;padding:9px 12px;border-radius:8px;display:block}
.nav>a:hover,.dd>a:hover,.nav a[aria-current=page]{background:var(--g1);color:var(--g9)}
.nav .nav-cta{margin-left:8px;padding:10px 18px;color:var(--g9)}
.nav .nav-cta:hover{background:var(--gold-d)}
.dd{position:relative}
.dd-menu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 30px rgba(6,56,27,.12);padding:8px;min-width:220px}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:block}
.dd-menu a{display:block;padding:9px 12px;border-radius:6px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.dd-menu a:hover{background:var(--g1)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px;color:var(--g9);cursor:pointer}
@media (max-width:960px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 20px 18px;box-shadow:0 12px 24px rgba(6,56,27,.1)}
  .nav.open{display:flex}
  .dd-menu{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 12px;min-width:0}
  .nav .nav-cta{margin:8px 0 0;text-align:center}
}

/* buttons */
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-block;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:10px;border:2px solid transparent;font-size:1rem;cursor:pointer;font-family:inherit;line-height:1.2}
.btn-gold{background:var(--gold);color:var(--g9)}
.btn-gold:hover{background:var(--gold-d);color:var(--g9)}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.08)}
.btn-green{background:var(--g7);color:#fff}
.btn-green:hover{background:var(--g9);color:#fff}
.btn-outline{border-color:var(--g7);color:var(--g7);background:transparent}
.btn-outline:hover{background:var(--g7);color:#fff}
.btn[disabled]{opacity:.6;cursor:wait}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#12804a 0,transparent 60%),linear-gradient(170deg,var(--g9),var(--g7));color:#fff;padding:72px 0 110px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero h1{color:#fff;max-width:15ch}
.lead{font-size:1.18rem;max-width:58ch}
.hero .lead{color:#d8e8de}
.eyebrow,.kicker{display:inline-block;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;margin-bottom:12px}
.eyebrow{color:var(--gold)}
.kicker{color:var(--g6)}
.hero-points{list-style:none;padding:0;margin:26px 0 0;display:flex;flex-wrap:wrap;gap:10px 22px;color:#d8e8de;font-size:.95rem}
.hero-points li{display:flex;align-items:center;gap:6px}
.hero-points svg{color:var(--gold)}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:16px;padding:26px;backdrop-filter:blur(4px)}
.hc-kicker{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:14px}
.awards{list-style:none;padding:0;margin:0}
.awards li{display:flex;gap:12px;align-items:flex-start;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.awards svg{color:var(--gold);flex:none;margin-top:3px}
.awards b{display:block;font-family:var(--serif);font-weight:500;font-size:1.08rem;color:#fff}
.awards small{color:#b9d0c2}
.hc-foot{margin:16px 0 0;font-size:.92rem;color:#cfe0d5}

/* quick actions */
.quick-wrap{margin-top:-58px;position:relative;z-index:2}
.quick{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
@media (max-width:760px){.quick{grid-template-columns:1fr}.quick-wrap{margin-top:-70px}}
.q{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;text-decoration:none;color:var(--ink);box-shadow:0 10px 30px rgba(6,56,27,.1);transition:transform .15s,box-shadow .15s}
.q:hover{transform:translateY(-2px);box-shadow:0 14px 34px rgba(6,56,27,.16);color:var(--ink)}
.q b{display:block;font-size:1.05rem;color:var(--g9)}
.q small{color:var(--muted)}
.qi{width:48px;height:48px;border-radius:12px;background:var(--g7);color:#fff;display:grid;place-items:center;flex:none}

/* sections */
section{padding:72px 0}
.section-alt{background:var(--g05);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{text-align:center;max-width:680px;margin:0 auto 36px}
.sec-head p{color:var(--muted)}
.grid{display:grid;gap:20px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
@media (max-width:900px){.g3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.g3,.g2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card h3{margin-bottom:.35em}
.card p{color:var(--muted);margin:0 0 .6em;font-size:.97rem}
.card-link{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s,box-shadow .15s;display:block}
.card-link:hover{border-color:var(--g6);transform:translateY(-2px);box-shadow:0 10px 26px rgba(6,56,27,.08);color:inherit}
.more{font-weight:700;color:var(--g6);font-size:.93rem}
.icon{width:44px;height:44px;border-radius:10px;background:var(--g1);display:grid;place-items:center;margin-bottom:14px;color:var(--g7)}
.card.big .btn{margin-top:8px}
.two{display:grid;gap:48px;grid-template-columns:1.1fr .9fr;align-items:start}
@media (max-width:860px){.two{grid-template-columns:1fr}}

/* steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
@media (max-width:760px){.steps{grid-template-columns:1fr}}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.steps p{color:var(--muted);margin:0}
.num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--gold);color:var(--g9);font-weight:800;margin-bottom:12px}
.steps-sm{grid-template-columns:1fr}
.steps-sm li{padding:16px 18px;display:grid;grid-template-columns:auto 1fr;column-gap:14px}
.steps-sm .num{grid-row:span 2;margin:0}
.steps-sm h3{margin:0;font-size:1.05rem}

/* lists */
.checks{list-style:none;padding:0;margin:0 0 1.2em}
.checks li{display:flex;gap:10px;align-items:flex-start;padding:6px 0}
.checks svg{color:var(--g6);flex:none;margin-top:4px}
.numbered{padding-left:1.3em}
.numbered li{margin-bottom:.6em}

/* life / stat card */
.stat-card{background:linear-gradient(160deg,var(--g7),var(--g9));color:#e3eee7;border-radius:16px;padding:34px}
.stat-q{font-family:var(--serif);font-size:1.5rem;line-height:1.35;color:#fff;margin:0 0 10px}
.stat-by{color:#b9d0c2;font-size:.92rem}
.mission{margin-top:22px;padding:18px 20px;border-radius:12px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16)}
.mission span{display:block;font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:700}
.mission b{font-family:var(--serif);font-weight:500;font-size:1.3rem;color:#fff}
.values{list-style:none;padding:0;margin:0}
.values li{padding:9px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.values b{color:#fff}

/* faq */
.faq{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:16px 32px 16px 0;font-weight:700;color:var(--g9);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:1.4rem;color:var(--g6);font-weight:400}
.faq[open] summary::after{content:"\2013"}
.faq div p{color:var(--muted)}

/* contact card */
.contact-list{list-style:none;padding:0;margin:0 0 18px}
.contact-list li{display:flex;gap:12px;align-items:flex-start;padding:12px 0;border-bottom:1px solid var(--line)}
.contact-list svg{color:var(--g6);flex:none;margin-top:4px}
.contact-list small{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted)}
.contact-list a,.contact-list strong{font-size:1.05rem;font-weight:700;color:var(--g9);text-decoration:none}

/* page hero */
.page-hero{background:linear-gradient(170deg,var(--g9),var(--g7));color:#dbe9e0;padding:52px 0 56px}
.page-hero h1{color:#fff}
.page-hero .lead{color:#d8e8de;margin:0}
.page-hero p{color:#d8e8de}
.crumbs{font-size:.88rem;margin-bottom:14px}
.crumbs a{color:#fff}
.ph-row{display:flex;gap:18px;align-items:flex-start}
.ph-icon{width:58px;height:58px;border-radius:14px;background:rgba(255,255,255,.12);color:var(--gold);display:grid;place-items:center;flex:none;margin-top:6px}
@media (max-width:560px){.ph-icon{display:none}}

/* coverage layout */
.cov-layout{display:grid;grid-template-columns:1fr 330px;gap:44px;align-items:start}
@media (max-width:900px){.cov-layout{grid-template-columns:1fr}}
.side{position:sticky;top:96px;display:grid;gap:16px}
@media (max-width:900px){.side{position:static}}
.side-card h3{font-size:1.15rem}

/* cta band */
.cta-band{background:var(--gold1);border-top:1px solid #efdcae;border-bottom:1px solid #efdcae;padding:52px 0}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-inner p{margin:0;color:var(--muted);max-width:56ch}
.cta-inner .btns{margin:0}
.cta-band .btn-ghost{border-color:var(--g7);color:var(--g7)}
.cta-band .btn-ghost:hover{background:var(--g7);color:#fff}

/* legal / prose */
.prose h2{margin-top:1.5em;font-size:1.55rem}
.prose h3{margin-top:1.2em}
.prose ul:not(.checks){padding-left:1.2em}
.prose li{margin-bottom:.4em}
.callout{background:var(--gold1);border-left:4px solid var(--gold);padding:18px 22px;border-radius:0 10px 10px 0;margin:1.6em 0}
.callout p:last-child{margin:0}
.keyword{display:inline-block;font-family:ui-monospace,Menlo,Consolas,monospace;background:var(--g9);color:#fff;padding:1px 8px;border-radius:4px;font-size:.9em;font-weight:700}

/* form */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:0 10px 30px rgba(6,56,27,.06)}
.form-title{font-size:1.5rem}
.field{margin-bottom:14px}
.field label{display:block;font-weight:700;font-size:.92rem;margin-bottom:6px}
.field input,.field textarea,.field select{width:100%;padding:12px 14px;border:1px solid #c3cec7;border-radius:9px;font:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field textarea:focus,.field select:focus{outline:2px solid var(--g6);outline-offset:1px;border-color:var(--g6)}
.row2{display:grid;gap:14px;grid-template-columns:1fr 1fr}
@media (max-width:560px){.row2{grid-template-columns:1fr}}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--g05);border:1px solid var(--line);border-radius:9px;padding:14px;margin-bottom:12px;font-size:.87rem;line-height:1.55}
.consent input{margin-top:4px;width:18px;height:18px;flex:none;accent-color:var(--g7)}
.fine{font-size:.84rem;color:var(--muted)}
.form-msg{display:none;padding:14px;border-radius:9px;margin-top:14px;font-size:.95rem}
.form-msg.ok{display:block;background:var(--g1);color:var(--g9)}
.form-msg.err{display:block;background:#fbe9e7;color:#7a2418}

table.samples{width:100%;border-collapse:collapse;font-size:.95rem;margin:1em 0}
table.samples th,table.samples td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.samples th{background:var(--g1);color:var(--g9);font-size:.82rem;text-transform:uppercase;letter-spacing:.05em}
.bubble{background:var(--g1);border-radius:14px 14px 14px 4px;padding:10px 14px;display:inline-block;max-width:52ch}
@media (max-width:560px){table.samples td:first-child{display:none}table.samples th:first-child{display:none}}

/* footer */
.site-footer{background:var(--g9);color:#bfd3c6;padding:52px 0 28px;font-size:.93rem}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:#fff}
.site-footer .cols{display:grid;gap:28px;grid-template-columns:1.4fr 1fr 1fr 1.2fr;margin-bottom:28px}
@media (max-width:860px){.site-footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.site-footer .cols{grid-template-columns:1fr}}
.foot-brand b{color:#fff}
.foot-brand small{color:#9fb8a8}
.site-footer h4{color:#fff;font-family:var(--serif);font-weight:500;font-size:1.08rem;margin:0 0 10px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:6px}
.site-footer .legal{border-top:1px solid rgba(255,255,255,.14);padding-top:18px;font-size:.8rem;color:#9fb8a8;margin:0}