:root{--navy:#0F2A3D;--navy-d:#0A1E2C;--teal:#1F5F63;--gold:#C8963E;--gold-l:#E9D3A6;--off:#F7F4EE;--sand:#EDE6D8;--ink:#1B2430;--muted:#5E6670;--line:#DDD5C6;--serif:'Playfair Display',Georgia,serif;--sans:'Inter',system-ui,-apple-system,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.6;color:var(--ink);background:var(--off);overflow-x:clip}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.sr,.hp{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy-d);padding:.6rem 1rem;z-index:100}.skip:focus{left:0}
.wrap{max-width:1248px;margin:0 auto;padding:0 1.25rem}
.center{text-align:center}
h1,h2,h3{font-family:var(--serif);font-weight:400;margin:0}
h2{font-size:clamp(2rem,4.5vw,3rem);line-height:1.15;color:var(--navy);margin-bottom:1rem}
h3{font-size:1.4rem;font-weight:500}
.eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin:0 0 1rem}
.eyebrow.teal{color:var(--teal)}.eyebrow.gold-l{color:var(--gold-l)}
.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 .95rem/1 var(--sans);text-decoration:none;padding:1rem 1.75rem;border-radius:4px;border:1px solid transparent;cursor:pointer;text-align:center}
.btn-gold{background:var(--gold);color:var(--navy-d)}.btn-gold:hover{background:#d6a650}
.btn-outline{border-color:#fff;color:#fff}.btn-outline:hover{background:rgba(255,255,255,.08)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:#163a53}
.btn-sm{padding:.7rem 1.1rem;font-size:.85rem}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.12)}
.header-inner{max-width:1440px;margin:0 auto;padding:.85rem 1.25rem;display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;column-gap:1.5rem}
.wordmark{display:inline-flex;align-items:center;gap:.8rem;text-decoration:none;min-width:0}
.wm-bar{width:3px;height:2.1rem;background:var(--gold);flex:0 0 auto}
.wm{display:block;font-family:var(--serif);font-weight:500;font-size:clamp(1.15rem,4.5vw,1.5rem);color:#fff;line-height:1.15;white-space:nowrap}
.wm-sub{display:block;font-size:.6rem;font-weight:500;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);white-space:nowrap}
.menu-toggle{width:44px;height:44px;background:none;border:0;cursor:pointer;position:relative}
.bars,.bars::before,.bars::after{position:absolute;left:10px;width:24px;height:1.5px;background:#fff;content:""}
.bars{top:21px}.bars::before{left:0;top:-7px}.bars::after{left:0;top:7px}
.site-nav{grid-column:1/-1;display:none}
.site-nav.open{display:block}
.site-nav ul{list-style:none;margin:0;padding:1rem 0 .6rem;display:flex;flex-direction:column;gap:1rem}
.site-nav a{color:rgba(255,255,255,.88);text-decoration:none;font-weight:500;font-size:.95rem;white-space:nowrap}
.site-nav a.btn{color:var(--navy-d);align-self:flex-start}
@media(min-width:900px){
 .header-inner{padding:1.1rem 2.5rem;grid-template-columns:auto minmax(0,1fr)}
 .menu-toggle{display:none}
 .site-nav{display:block;grid-column:auto;justify-self:end}
 .site-nav ul{flex-direction:row;align-items:center;gap:clamp(1.2rem,2.5vw,2.25rem);padding:0}
}
@media(min-width:1200px){.header-inner{padding:1.35rem 6rem}}
/* hero */
.hero{background:var(--navy);color:#fff;padding:3.5rem 0 4rem}
.hero-grid{display:grid;gap:2.5rem;align-items:center}
.hero h1{font-size:clamp(2.8rem,8vw,5rem);line-height:1.05;margin:0 0 1.25rem}
.lead{font-size:1.2rem;color:rgba(255,255,255,.82);margin:0 0 2rem;max-width:36em}
.btns{display:flex;flex-wrap:wrap;gap:.85rem}
.hero-art{margin:0;border-radius:6px;overflow:hidden}
@media(min-width:900px){.hero{padding:6rem 0 7rem}.hero-grid{grid-template-columns:1fr minmax(0,520px);gap:5rem}}
/* about */
.about{padding:4.5rem 0}
.about-intro{display:grid;gap:1.5rem}
.about-intro p{margin:0 0 1rem}
.values{list-style:none;padding:0;margin:3rem 0 0;display:grid;gap:2rem}
.values li{border-top:2px solid var(--gold);padding-top:1.5rem;color:var(--teal)}
.values h3{color:var(--navy);margin:.75rem 0 .5rem}.values p{margin:0;color:var(--muted);font-size:.95rem}
@media(min-width:900px){.about{padding:7rem 0}.about-intro{grid-template-columns:420px 1fr;gap:6rem}.values{grid-template-columns:repeat(3,1fr);gap:2.5rem;margin-top:4rem}}
/* 3pointplan */
.tpp{background:var(--teal);color:#fff;padding:4.5rem 0}
.tpp-head{max-width:820px;margin:0 auto 3rem;text-align:center}
.tpp h2{color:#fff;font-size:clamp(2.1rem,5vw,3.5rem)}
.tpp-head p{color:rgba(255,255,255,.85);font-size:1.15rem;margin:0}
.cards{list-style:none;padding:0;margin:0;display:grid;gap:1.25rem}
.cards li{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:6px;padding:2rem;color:var(--gold-l)}
.cards h3{color:#fff;margin:.9rem 0 .5rem}.cards p{margin:0;color:rgba(255,255,255,.8);font-size:.95rem}
.tpp-cta{display:flex;flex-direction:column;align-items:center;gap:.75rem;margin:3rem 0 0}
.url{color:var(--gold-l);font-size:.9rem}
@media(min-width:900px){.tpp{padding:7rem 0 6rem}.cards{grid-template-columns:repeat(3,1fr);gap:1.5rem}}
/* contact */
.contact{background:var(--sand);padding:4.5rem 0}
.contact-grid{display:grid;gap:2.5rem}
address{font-style:normal;display:grid;gap:1.5rem;margin-top:2rem}
.crow{display:flex;gap:1rem;color:var(--gold)}.crow div{color:var(--ink)}
.lbl{display:block;font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--teal);margin-bottom:.2rem}
.crow a{color:var(--navy)}
.contact-form{background:var(--off);border:1px solid var(--line);border-radius:6px;padding:1.5rem;display:grid;gap:1.1rem}
.contact-form label{display:grid;gap:.4rem;font-size:.85rem;font-weight:500}
.contact-form input,.contact-form textarea{font:inherit;font-size:1rem;padding:.85rem 1rem;border:1px solid var(--line);border-radius:4px;background:#fff;width:100%}
.contact-form input:focus,.contact-form textarea:focus{outline:2px solid var(--gold);outline-offset:1px}
.contact-form .btn{justify-self:start}
.form-note{font-size:.8rem;color:var(--muted);margin:0}.form-status{margin:0;color:var(--teal);font-size:.9rem;min-height:1.2em}
@media(min-width:900px){.contact{padding:7rem 0}.contact-grid{grid-template-columns:460px 1fr;gap:6rem}.contact-form{padding:2.5rem}}
/* footer */
.site-footer{background:var(--navy-d);color:rgba(255,255,255,.7);padding:3.5rem 0 2.5rem;font-size:.85rem}
.footer-top{display:flex;flex-wrap:wrap;gap:1.5rem 2rem;justify-content:space-between;align-items:center}
.footer-links{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.6rem 1.75rem}
.footer-links a{text-decoration:none}.footer-links a:hover{color:#fff}
.site-footer hr{border:0;border-top:1px solid rgba(255,255,255,.15);margin:2rem 0 1.5rem}
.site-footer p{margin:0 0 .5rem}.tm{color:rgba(255,255,255,.5)}
.h-dark{color:var(--navy);font-size:3rem;margin-bottom:1rem}
@media(min-width:1200px){.wrap{padding:0 6rem;max-width:1440px}}

/* ===== v2 ===== */
.hero-v2{padding:4.5rem 0 5rem}.hero-v2 .lead{max-width:34em}
.hero-rule{display:block;width:56px;height:2px;background:var(--gold);margin:0 0 1.5rem}
@media(min-width:900px){.hero-v2{padding:7rem 0 8rem}}
.facts{list-style:none;padding:0;margin:3rem 0 0;display:grid;gap:1.5rem}
.facts li{border-left:2px solid var(--gold);padding:.2rem 0 .2rem 1rem}
.facts strong{display:block;font:400 1.3rem/1.3 var(--serif);color:var(--navy)}
.lbl{color:var(--teal)}
.help{background:var(--sand);padding:4.5rem 0 0}
.tiles{list-style:none;padding:0;margin:2rem 0 0;display:grid;gap:1.25rem}
.tiles li{background:#fff;border:1px solid var(--line);border-radius:6px;padding:1.75rem;display:flex;flex-direction:column}
.tiles li::before{content:"";width:28px;height:2px;background:var(--gold);margin-bottom:1rem}
.tiles h3{color:var(--navy);margin-bottom:.6rem}.tiles p{color:var(--muted);font-size:.92rem;margin:0 0 1rem;flex:1}
.tiles a{color:var(--teal);font-weight:600;font-size:.88rem;text-decoration:none}.tiles a:hover{text-decoration:underline}
@media(min-width:700px){.tiles{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1100px){.tiles{grid-template-columns:repeat(4,1fr)}}
@media(min-width:900px){.help{padding-top:7rem}.facts{grid-template-columns:repeat(3,1fr);gap:2.5rem;margin-top:4rem}}
address div{color:var(--ink)}address a{color:var(--navy)}
.tpp-band{display:block;background:var(--gold);color:var(--navy-d);text-decoration:none;padding:2.5rem 0}
.tpp-band .wrap{display:flex;flex-wrap:wrap;gap:.75rem 2rem;justify-content:space-between;align-items:center}
.tpp-t{font:400 clamp(1.6rem,4vw,2.4rem)/1.2 var(--serif)}.tpp-u{font-weight:600;font-size:.9rem}
.tpp-band:hover{background:#d6a650}.tpp-band:hover .tpp-t{text-decoration:underline}
.site-footer.slim{background:var(--navy-d);padding:1.5rem 0;font-size:.8rem}
.foot-row{display:flex;flex-wrap:wrap;gap:.5rem 2rem;justify-content:space-between;align-items:center}
.foot-row p{margin:0}.foot-row .tm{flex-basis:100%;font-size:.75rem}