@font-face{font-family:"Apex Serif";src:url(/assets/fonts/apex-serif-400.woff) format("woff");font-weight:400;font-style:normal;font-display:swap}
  @font-face{font-family:"Apex Serif";src:url(/assets/fonts/apex-serif-400-italic.woff) format("woff");font-weight:400;font-style:italic;font-display:swap}
  @font-face{font-family:"Apex Serif";src:url(/assets/fonts/apex-serif-700.woff) format("woff");font-weight:700;font-style:normal;font-display:swap}

  :root{
    --ink:#00102a; --navy:#011a40; --navy-2:#0a2a5c; --navy-3:#123a78;
    --gold:#e3b25e; --gold-2:#f3d08a; --gold-deep:#a8782a;
    --cream:#f7f3ec; --paper:#ffffff; --text:#1a2030; --muted:#5a6376; --line:#e6dfd2;
    --serif:"Apex Serif", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
    --sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    --r:14px;
    --ease:cubic-bezier(.2,.7,.2,1);
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth;scroll-padding-top:88px}
  body{margin:0;font-family:var(--sans);color:var(--text);background:var(--cream);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
  a{color:inherit}
  img,svg{display:block}
  .wrap{max-width:1180px;margin:0 auto;padding:0 24px}
  h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.12;margin:0 0 .45em;color:var(--navy);letter-spacing:-.005em}
  h2{font-size:clamp(2rem,4vw,2.9rem)}
  h3{font-size:1.28rem;font-weight:700;letter-spacing:0}
  h1,h2{text-wrap:balance}
  h1 em,h2 em{font-style:italic;color:var(--gold)}
  p{margin:0 0 1em}
  section{padding:96px 0}
  .eyebrow{display:flex;align-items:center;gap:12px;font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;font-weight:700;color:var(--gold-deep);margin-bottom:18px}
  .eyebrow::before{content:"";width:36px;height:1px;background:currentColor}
  .dark .eyebrow{color:var(--gold)}
  .lede{font-size:1.12rem;color:var(--muted);max-width:60ch}
  .dark{background:var(--navy);color:#d9e0ee}
  .dark h2,.dark h3{color:#fff}
  .dark .lede{color:#b8c3d8}

  .btn{display:inline-flex;align-items:center;justify-content:center;gap:.6em;padding:1em 1.6em;border-radius:999px;font-weight:700;font-size:1rem;font-family:inherit;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .25s var(--ease),background .25s,box-shadow .25s,color .25s}
  .btn:hover{transform:translateY(-2px)}
  .btn-gold{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:var(--ink);box-shadow:0 8px 24px rgba(227,178,94,.28)}
  .btn-gold:hover{box-shadow:0 12px 30px rgba(227,178,94,.4)}
  .btn-line{border-color:rgba(255,255,255,.45);color:#fff}
  .btn-line:hover{background:rgba(255,255,255,.08);border-color:#fff}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{background:var(--navy-2)}
  .ico{width:18px;height:18px;flex:none}
  :focus-visible{outline:3px solid var(--gold);outline-offset:3px}

  /* reveal animation (only when JS is running) */
  .js .reveal{opacity:0;transform:translateY(22px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
  .js .reveal.in{opacity:1;transform:none}
  .js .reveal.d1{transition-delay:.08s}.js .reveal.d2{transition-delay:.16s}.js .reveal.d3{transition-delay:.24s}
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.js .reveal{opacity:1;transform:none;transition:none}.btn,.card{transition:none}}

  /* header */
  header.top{position:sticky;top:0;z-index:30;background:rgba(1,18,46,.92);backdrop-filter:saturate(140%) blur(10px);-webkit-backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid rgba(227,178,94,.18)}
  .bar{display:flex;align-items:center;justify-content:space-between;gap:16px;height:78px}
  .brand{display:block;line-height:0}
  .logo{display:block;height:60px;width:auto;aspect-ratio:1012/200}
  nav{display:flex;align-items:center;gap:28px}
  nav a.link{color:#cfd8ea;text-decoration:none;font-size:.95rem;position:relative;padding:4px 0}
  nav a.link::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:1px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}
  nav a.link:hover{color:#fff}
  nav a.link:hover::after{transform:scaleX(1)}
  .bar .btn{padding:.65em 1.15em;font-size:.95rem}
  @media (max-width:960px){ nav a.link{display:none} }
  @media (max-width:520px){ .logo{height:46px} .bar .btn .long{display:none} .bar{height:66px} }

  /* hero */
  .hero{position:relative;overflow:hidden;background:
      radial-gradient(900px 520px at 88% 8%, rgba(18,58,120,.9) 0%, transparent 62%),
      radial-gradient(700px 500px at 0% 100%, rgba(227,178,94,.08) 0%, transparent 60%),
      var(--ink);
    color:#dbe3f1;padding:84px 0 0}
  .hero-art{position:absolute;right:-180px;top:-120px;width:760px;height:760px;opacity:.10;pointer-events:none}
  .hero-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
  @media (max-width:980px){ .hero-grid{grid-template-columns:1fr;gap:40px} .hero-art{width:520px;height:520px;right:-200px} }
  .hero h1{color:#fff;font-size:clamp(2.3rem,4.4vw,3.5rem);margin-bottom:.4em}
  .hero .lede{color:#c3cde0;font-size:1.18rem}
  .ticks{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:12px}
  .ticks li{display:flex;gap:12px;align-items:center;color:#eef2f9}
  .tick{width:24px;height:24px;border-radius:50%;border:1px solid rgba(227,178,94,.6);display:grid;place-items:center;flex:none}
  .hero .cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}

  .quote{position:relative;border-top:5px solid transparent;background:linear-gradient(var(--paper),var(--paper)) padding-box,linear-gradient(90deg,var(--gold-deep),var(--gold-2),var(--gold)) border-box;color:var(--text);border-radius:18px;padding:30px;box-shadow:0 30px 80px rgba(0,0,0,.45)}
  .quote h2{font-size:1.9rem;margin-bottom:.15em}
  .quote .sub{font-size:.95rem;color:var(--muted);margin-bottom:18px}
  .field{margin-bottom:13px}
  .field label{display:block;font-size:.84rem;font-weight:700;margin-bottom:5px;color:var(--navy);letter-spacing:.01em}
  .field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;padding:.72em .85em;border:1px solid #d3d8e1;border-radius:10px;background:#fbfbfd;color:var(--text);transition:border-color .2s,box-shadow .2s,background .2s}
  .field textarea{min-height:80px;resize:vertical}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;background:#fff;border-color:var(--navy);box-shadow:0 0 0 4px rgba(227,178,94,.35)}
  .quote .btn{width:100%;margin-top:6px}
  .fine{font-size:.8rem;color:var(--muted);margin:12px 0 0}
  .sent{display:none;margin-top:12px;padding:12px 14px;border-radius:10px;background:#eef6ee;border:1px solid #cfe5cf;font-size:.92rem}
  .sent.show{display:block}

  /* stats band */
  .stats{position:relative;margin-top:84px;border-top:1px solid rgba(227,178,94,.22)}
  .stats ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr)}
  .stats li{padding:30px 24px;border-left:1px solid rgba(255,255,255,.08)}
  .stats li:first-child{border-left:0;padding-left:0}
  .stat-num{font-family:var(--serif);font-size:clamp(2rem,3.6vw,2.8rem);line-height:1;color:var(--gold-2)}
  .stat-num small{font-size:.5em;color:var(--gold);margin-left:4px}
  .stat-label{margin-top:8px;font-size:.9rem;color:#b8c3d8}
  .stat-label a{color:#fff}
  @media (max-width:820px){ .stats ul{grid-template-columns:repeat(2,1fr)} .stats li{padding:22px 18px} .stats li:nth-child(odd){border-left:0;padding-left:0} .stats li:nth-child(n+3){border-top:1px solid rgba(255,255,255,.08)} }

  /* MTD */
  .mtd-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
  @media (max-width:900px){ .mtd-grid{grid-template-columns:1fr;gap:36px} }
  .panel{background:linear-gradient(160deg,var(--navy) 0%,var(--ink) 100%);border-radius:20px;padding:34px;color:#d9e0ee;box-shadow:0 24px 60px rgba(1,26,64,.25);position:relative;overflow:hidden}
  .panel::after{content:"";position:absolute;right:-90px;bottom:-90px;width:260px;height:260px;border-radius:50%;border:1px solid rgba(227,178,94,.25)}
  .panel > *{position:relative;z-index:1}
  .panel h3{color:#fff;font-weight:400;font-size:1.5rem;margin-bottom:22px}
  .tl{list-style:none;margin:0;padding:0;position:relative}
  .tl::before{content:"";position:absolute;left:7px;top:8px;bottom:8px;width:1px;background:rgba(227,178,94,.35)}
  .tl li{position:relative;padding:0 0 22px 36px}
  .tl li:last-child{padding-bottom:0}
  .tl li::before{content:"";position:absolute;left:0;top:6px;width:15px;height:15px;border-radius:50%;background:var(--ink);border:2px solid var(--gold)}
  .tl li.now::before{background:var(--gold);box-shadow:0 0 0 6px rgba(227,178,94,.18)}
  .tl .when{font-family:var(--serif);font-size:1.3rem;color:#fff}
  .tl .what{color:#b8c3d8}
  .tl .what strong{color:var(--gold-2);font-weight:700}
  .pill{display:inline-block;margin-left:8px;padding:.15em .65em;border-radius:999px;background:rgba(227,178,94,.16);color:var(--gold-2);font-size:.72rem;font-weight:700;letter-spacing:.04em;vertical-align:middle}
  .panel .fine{color:#8e9bb5}

  /* services */
  .services{background:var(--paper)}
  .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:44px}
  @media (max-width:1040px){ .grid{grid-template-columns:repeat(2,1fr)} }
  @media (max-width:560px){ .grid{grid-template-columns:1fr} }
  .card{position:relative;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:28px 24px;transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s}
  .card p{margin:0;color:var(--muted);font-size:.96rem}
  .card:hover{transform:translateY(-6px);box-shadow:0 22px 44px rgba(1,26,64,.12);border-color:rgba(227,178,94,.7)}
  .icon{width:52px;height:52px;border-radius:14px;background:var(--navy);display:grid;place-items:center;margin-bottom:20px;transition:background .35s}
  .icon svg{width:26px;height:26px;stroke:var(--gold);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;transition:stroke .35s}
  .card:hover .icon{background:linear-gradient(135deg,var(--gold-2),var(--gold))}
  .card:hover .icon svg{stroke:var(--ink)}
  .services .card{background:var(--cream);border-color:transparent}
  .services .card:hover{background:var(--paper)}

  /* how it works */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:48px;border-top:1px solid rgba(255,255,255,.1)}
  @media (max-width:860px){ .steps{grid-template-columns:1fr} }
  .step{padding:36px 32px 8px 0}
  .step + .step{padding-left:32px;border-left:1px solid rgba(255,255,255,.1)}
  @media (max-width:860px){ .step + .step{padding-left:0;border-left:0;border-top:1px solid rgba(255,255,255,.1)} }
  .step-num{font-family:var(--serif);font-size:4rem;line-height:1;color:transparent;-webkit-text-stroke:1px var(--gold);margin-bottom:14px}
  .step p{color:#b8c3d8;margin:0}

  /* who */
  .statement{font-family:var(--serif);font-size:clamp(1.35rem,2.4vw,1.8rem);line-height:1.45;color:var(--navy);max-width:34em;margin:6px 0 0}
  .serve{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:44px}
  @media (max-width:860px){ .serve{grid-template-columns:1fr} }

  /* reviews */
  .reviews{background:var(--ink);position:relative;overflow:hidden}
  .rating{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin:10px 0 0}
  .rating .big{font-family:var(--serif);font-size:3.2rem;line-height:1;color:#fff}
  .stars{color:var(--gold);letter-spacing:3px;font-size:1.1rem}
  .rating a{color:var(--gold-2);font-size:.95rem}
  .quotes{display:grid;grid-template-columns:1.25fr 1fr 1fr;gap:18px;margin-top:44px;align-items:stretch}
  @media (max-width:960px){ .quotes{grid-template-columns:1fr} }
  blockquote{margin:0;padding:30px;border-radius:18px;background:linear-gradient(160deg,rgba(255,255,255,.07),rgba(255,255,255,.02));border:1px solid rgba(255,255,255,.1);display:flex;flex-direction:column}
  blockquote .mark{font-family:var(--serif);font-size:4.2rem;line-height:.6;height:30px;color:var(--gold)}
  blockquote p{font-family:var(--serif);font-size:1.12rem;line-height:1.55;color:#e8edf6;margin:14px 0 22px}
  blockquote footer{margin-top:auto;display:flex;align-items:center;gap:12px;font-weight:700;color:#fff}
  .avatar{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--gold-2),var(--gold-deep));color:var(--ink);display:grid;place-items:center;font-family:var(--serif);font-size:1.1rem}
  blockquote footer span span{display:block;font-weight:400;font-size:.82rem;color:#9aa7c0}

  /* about */
  .about-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:start}
  @media (max-width:900px){ .about-grid{grid-template-columns:1fr;gap:36px} }
  .values{list-style:none;margin:0;padding:0}
  .values li{display:grid;grid-template-columns:64px 1fr;gap:6px;padding:22px 0;border-top:1px solid var(--line)}
  .values li:last-child{border-bottom:1px solid var(--line)}
  .values .num{font-family:var(--serif);font-size:1.6rem;color:var(--gold-deep);line-height:1.2}
  .values h3{margin-bottom:4px}
  .values p{margin:0;color:var(--muted)}

  /* areas */
  .areas{background:var(--paper)}
  .areas .card{background:var(--cream);border-color:transparent}
  .areas .card:hover{background:var(--paper)}

  /* faq */
  .faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:start}
  @media (max-width:900px){ .faq-grid{grid-template-columns:1fr;gap:28px} }
  .faq-side{position:sticky;top:110px}
  @media (max-width:900px){ .faq-side{position:static} }
  details{border-bottom:1px solid var(--line)}
  details:first-of-type{border-top:1px solid var(--line)}
  summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 0;font-family:var(--serif);font-size:1.2rem;color:var(--navy)}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"";flex:none;width:30px;height:30px;border-radius:50%;border:1px solid var(--line);background:
     linear-gradient(var(--gold-deep),var(--gold-deep)) center/12px 1.5px no-repeat,
     linear-gradient(var(--gold-deep),var(--gold-deep)) center/1.5px 12px no-repeat;transition:transform .3s var(--ease),background-color .3s}
  details[open] summary::after{transform:rotate(45deg);background-color:var(--cream)}
  details p{margin:0;padding:0 44px 22px 0;color:var(--muted)}

  /* final */
  .final{position:relative;overflow:hidden;text-align:center;background:radial-gradient(800px 420px at 50% 0%, var(--navy-3) 0%, transparent 70%), var(--navy)}
  .final .ring{position:absolute;left:50%;top:50%;width:900px;height:900px;transform:translate(-50%,-50%);opacity:.07;pointer-events:none}
  .final .wrap{position:relative}
  .final h2{font-size:clamp(2.2rem,4.6vw,3.4rem)}
  .final .lede{margin:0 auto 30px}
  .final .cta{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
  .contact-lines{margin-top:30px;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 34px;color:#b8c3d8;font-size:.98rem}
  .contact-lines a{color:#fff;text-decoration-color:rgba(227,178,94,.6);text-underline-offset:3px}

  footer.site{background:var(--ink);color:#8e9bb5;font-size:.88rem;padding:44px 0 40px;border-top:1px solid rgba(227,178,94,.15)}
  footer.site .wrap{display:grid;grid-template-columns:auto 1fr;gap:36px;align-items:center}
  footer.site .logo{height:54px}
  footer.site p{margin:0 0 4px}
  @media (max-width:760px){ footer.site .wrap{grid-template-columns:1fr;gap:18px} }

  /* mobile action bar */
  .mbar{display:none}
  @media (max-width:760px){
    body{padding-bottom:76px}
    section{padding:72px 0}
    .mbar{display:grid;grid-template-columns:1fr 1fr 1.2fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:40;background:rgba(0,16,42,.96);padding:10px 12px calc(10px + env(safe-area-inset-bottom));border-top:1px solid rgba(227,178,94,.25)}
    .mbar a{display:flex;align-items:center;justify-content:center;gap:6px;border-radius:12px;padding:.75em .4em;font-weight:700;font-size:.95rem;text-decoration:none;color:#fff;border:1px solid rgba(255,255,255,.22)}
    .mbar a.primary{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:var(--ink);border-color:transparent}
  }

  /* ---- added: multi-page site ---- */
  .hero.sub{padding-bottom:88px}
  .crumbs{font-size:.88rem;color:#9aa7c0;margin-bottom:18px}
  .crumbs a{color:#cfd8ea;text-underline-offset:3px}
  .crumbs span[aria-hidden]{margin:0 .5em;color:var(--gold)}
  a.card{display:block;text-decoration:none;color:inherit}
  .card .more{display:inline-block;margin-top:14px;font-weight:700;font-size:.92rem;color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}
  .card .links{margin-top:14px;display:flex;flex-wrap:wrap;gap:6px 16px}
  .card .links a{font-weight:700;font-size:.92rem;color:var(--navy);text-decoration-color:var(--gold);text-underline-offset:4px}
  .statement a{color:inherit;text-decoration-color:var(--gold);text-underline-offset:5px;text-decoration-thickness:1.5px}
  .sub-h{margin-top:56px;font-size:1.5rem}
  .mtd-grid .actions{display:flex;flex-wrap:wrap;gap:12px}
  .btn-plain{border-color:var(--navy);color:var(--navy)}
  .btn-plain:hover{background:var(--navy);color:#fff}
  details p a{color:var(--navy);text-decoration-color:var(--gold);text-underline-offset:3px}
  .hp{position:absolute!important;left:-10000px;width:1px;height:1px;overflow:hidden}
  .err{display:none;margin-top:12px;padding:12px 14px;border-radius:10px;background:#fbeeee;border:1px solid #efcaca;font-size:.92rem}
  .err.show{display:block}
  .quote button[disabled]{opacity:.7;cursor:progress}
  footer.site .fnav{display:flex;flex-wrap:wrap;gap:6px 20px;margin-bottom:14px}
  footer.site .fnav a{color:#cfd8ea;text-decoration:none}
  footer.site .fnav a:hover{color:#fff;text-decoration:underline}
  .notfound{padding:120px 0}