:root{
  --cream:#F6F2EA; --white:#FFFFFF; --line:#E2DACB; --ink:#1C2A26; --body:#3F4B47;
  --green:#2F5D50; --green-dark:#244A40; --dark:#1C3530; --dcard:#25423C; --gold:#E8C872;
  --dtext:#C9D3CF; --beige:#EAE1CF; --field:#CFC5B2;
  --serif:"Fraunces",Georgia,serif; --sans:"IBM Plex Sans","Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:110px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--cream);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}
a:hover{opacity:.82}
: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(--serif);font-weight:600;letter-spacing:-.01em;line-height:1.1;margin:0;color:inherit}
h1{font-size:clamp(44px,6.2vw,84px);line-height:1.04}
h2{font-size:clamp(34px,4vw,52px)}
h3{font-size:clamp(22px,2vw,28px);line-height:1.18}
p{margin:0;color:var(--body)}
.lead{font-size:clamp(18px,1.6vw,21px)}
.eyebrow{font-size:14px;letter-spacing:.12em;font-weight:600;color:var(--green);text-transform:uppercase}
.on-dark .eyebrow{color:var(--gold)}
.on-dark h1,.on-dark h2,.on-dark h3{color:var(--cream)}
.on-dark p{color:var(--dtext)}
.stack{display:flex;flex-direction:column;gap:18px}
.stack-lg{display:flex;flex-direction:column;gap:48px}
.narrow{max-width:820px}

/* buttons */
.btn{display:inline-block;padding:17px 30px;border-radius:999px;background:var(--green);color:#fff;text-decoration:none;font-weight:600;font-size:17px;border:0;font-family:inherit;cursor:pointer;text-align:center;white-space:nowrap}
.btn:hover{opacity:1;background:var(--green-dark)}
.btn--light{background:var(--cream);color:var(--ink)}
.btn--light:hover{background:#fff}
.btn--ghost{background:transparent;color:var(--cream);border:1px solid var(--cream);padding:16px 29px}
.btn--ghost:hover{background:rgba(255,255,255,.08)}
.tlink{font-weight:600;font-size:17px;text-decoration:underline;text-underline-offset:5px;color:var(--ink)}
.tlink--green{color:var(--green)}
.btn-row{display:flex;gap:28px;align-items:center;flex-wrap:wrap}

/* header */
.site-header{position:sticky;top:0;z-index:20;background:var(--cream);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:88px;gap:24px}
.logo{font-family:var(--serif);font-weight:600;font-size:28px;letter-spacing:-.01em;text-decoration:none;color:var(--ink);white-space:nowrap}
.nav{display:flex;align-items:center;gap:34px;font-size:16px;font-weight:500}
.nav a:not(.btn){text-decoration:none}
.nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:6px;font-weight:600}
.nav .btn{padding:13px 22px;font-size:16px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;color:var(--ink)}
.nav-toggle svg{display:block;margin:auto}

/* sections */
.sec{padding:112px 0;border-top:1px solid var(--line)}
.sec--white{background:var(--white)}
.sec--dark{background:var(--dark);border-top:0}
.hero{padding:128px 0 112px;text-align:center}
.hero .stack{align-items:center;gap:26px}
.hero h1{max-width:1040px}
.hero p.lead{max-width:780px}
.hero .btn-row{justify-content:center;margin-top:6px}
.hero-note{font-size:16px;font-weight:600;color:var(--green)}
.quote{padding:72px 0;text-align:center}
.quote blockquote{margin:0 auto;max-width:960px;font-family:var(--serif);font-weight:500;font-size:clamp(26px,2.8vw,38px);line-height:1.25}
.quote cite{display:block;margin-top:18px;font-style:normal;font-size:13px;letter-spacing:.14em;font-weight:600;color:var(--body)}

/* 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 36px}
.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:18px;padding:44px;display:flex;flex-direction:column;gap:16px}
.card--cream{background:var(--cream)}
.card ul{margin:0;padding-left:20px;font-size:16px;line-height:1.55}
.card li{margin-bottom:8px}
.dcard{background:var(--dcard);border-radius:18px;padding:36px;display:flex;flex-direction:column;gap:14px}
.dcard .num{font-family:var(--serif);font-weight:500;font-size:36px;color:var(--gold);line-height:1}
.dcard p{font-size:16px}
.rule{border-top:2px solid var(--ink);padding-top:22px;display:flex;flex-direction:column;gap:10px}
.rule h3{font-size:24px}
.rule p{font-size:16px}
.who{border-top:2px solid var(--ink);padding-top:18px;font-family:var(--serif);font-weight:600;font-size:26px}

/* process */
.steps{border-bottom:1px solid var(--line)}
.step{display:grid;grid-template-columns:90px 330px 200px minmax(0,1fr);gap:24px;padding:28px 0;border-top:1px solid var(--line);align-items:baseline}
.step .n{font-family:var(--serif);font-weight:500;font-size:32px;color:var(--green)}
.step .t{font-family:var(--serif);font-weight:600;font-size:28px}
.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 list */
.checks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:40px}
.checks div{padding:20px 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}

/* panel */
.panel{background:var(--beige);border-radius:28px;padding:64px;display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.panel--slim{padding:56px 64px;grid-template-columns:5fr 6fr;align-items:center}
.inside{background:#fff;border-radius:18px;padding:34px 40px 20px}
.inside > strong{display:block;font-size:18px;margin-bottom:8px}
.inside div{padding:16px 0;border-top:1px solid var(--line);display:flex;flex-direction:column;gap:4px}
.inside div strong{font-size:17px}
.inside div span{font-size:15px;line-height:1.55;color:var(--body)}
.dark-box{background:var(--dark);border-radius:24px;padding:52px}

/* 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:52px;padding:0 15px;border:1px solid var(--field);background:#fff;font-size:16px;font-family:inherit;border-radius:10px;color:var(--ink);width:100%}
.field textarea{height:auto;padding:12px 15px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--green);outline-offset:0;border-color:var(--green)}
.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)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{padding:18px 22px;background:#fff;border-radius:12px;font-size:17px;line-height:1.5}
.form-err{color:#9B2C1F;font-size:15px}
[hidden]{display:none!important}

/* calculator */
.calc-card{background:var(--cream);border:1px solid var(--line);border-radius:24px;padding:44px 48px;min-height:640px;display:flex;flex-direction:column}
.tiers{border-top:1px solid var(--line)}
.tiers div{padding:16px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.tiers strong{font-family:var(--serif);font-weight:600;font-size:22px}
.tiers span{font-size:15px;color:var(--body);text-align:right}
.bars{display:flex;gap:6px}
.bars i{height:6px;flex:1;border-radius:3px;background:var(--line)}
.bars i.on{background:var(--green)}
.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(--green);cursor:pointer;text-decoration:underline;text-underline-offset:4px}
.opts{display:flex;flex-direction:column;gap:12px}
.opt{text-align:left;padding:19px 22px;background:#fff;border:1px solid var(--field);border-radius:14px;font:inherit;font-size:17px;font-weight:500;color:var(--ink);cursor:pointer}
.opt:hover{border-color:var(--green);background:#FBFAF6}
.calc-q{font-size:clamp(26px,2.4vw,34px);line-height:1.15}
.note{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;font-size:15px;line-height:1.55;color:var(--body)}

/* people */
.person{background:var(--cream);border:1px solid var(--line);border-radius:24px;padding:56px;display:grid;grid-template-columns:4fr 7fr;gap:48px;align-items:center}
.person img{width:280px;height:280px;object-fit:cover;border-radius:50%;border:6px solid #fff;box-shadow:0 12px 32px rgba(28,42,38,.12);margin:0 auto}
.person blockquote{margin:0;font-family:var(--serif);font-weight:500;font-size:clamp(21px,2vw,26px);line-height:1.4}
.role{font-size:17px;font-weight:600;color:var(--green)}

/* 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:14px}

/* contact */
.contact-steps{border-bottom:1px solid #36554E}
.contact-steps div{display:grid;grid-template-columns:44px 1fr;padding:18px 0;border-top:1px solid #36554E}
.contact-steps b{font-family:var(--serif);font-weight:500;font-size:24px;color:var(--gold)}
.contact-steps span{color:var(--dtext);font-size:16px}
.dbox{background:var(--dcard);border-radius:18px;padding:26px 28px;display:flex;flex-direction:column;gap:6px}
.dbox strong{color:var(--cream)}
.dbox a{color:var(--gold);font-weight:600}
.form-card{background:#fff;border-radius:24px;padding:52px}
.contact-line{color:var(--cream)}

/* footer */
.site-footer{border-top:1px solid var(--line);padding:56px 0 36px}
.foot-top{display:flex;justify-content:space-between;gap:64px;align-items:flex-start}
.foot-top .stack{gap:12px;max-width:420px}
.foot-top p{font-size:15px}
.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-guide{font-size:15px;font-weight:600;color:var(--green)}
.foot-bottom{border-top:1px solid var(--line);margin-top:40px;padding-top:20px;font-size:13px;color:var(--body)}

/* responsive */
@media (max-width:1100px){
  .step{grid-template-columns:70px 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:88px;left:0;right:0;background:var(--cream);border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:20px 24px 28px;gap:18px}
  .nav.open{display:flex}
  .sec{padding:80px 0}
  .hero{padding:88px 0 80px}
  .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 28px}
  .person{padding:36px 28px;gap:32px}
  .cta{flex-direction:column;align-items:flex-start;gap:32px}
  .head-row{flex-direction:column;align-items:flex-start;gap:20px}
  .foot-top{flex-direction:column;gap:36px}
  .calc-card{padding:32px 24px;min-height:0}
  .form-card{padding:32px 24px}
  .dark-box{padding:36px 28px}
}
@media (max-width:600px){
  body{font-size:16px}
  .grid-4,.form-row{grid-template-columns:1fr}
  .card{padding:32px 26px}
  .logo{font-size:23px}
  .person img{width:220px;height:220px}
  .foot-links{gap:40px}
  .btn{white-space:normal}
}
.form-card p{color:var(--body)}
.form-card .form-err{color:#9B2C1F}
.form-card h2{color:var(--ink)}
.dbox p{color:var(--dtext);font-size:15px}