:root{--navy:#13223f;--navy-2:#1d3260;--amber:#f5a524;--amber-d:#d98a0b;--cream:#fbf8f3;--sand:#f3ece0;--ink:#1d2433;--muted:#5a6275;--line:#e6dfd2;--white:#fff;--green:#1f8a5b;--r:16px;--shadow:0 10px 30px rgba(19,34,63,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Manrope,system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:var(--cream);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}a{color:var(--navy-2);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--amber-d)}
h1,h2,h3{font-family:Fraunces,Georgia,serif;color:var(--navy);line-height:1.2;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3.2rem);margin:.2em 0 .35em}h2{font-size:clamp(1.5rem,2.8vw,2.1rem);margin:0 0 .6em}h3{font-size:1.2rem;margin:.2em 0 .4em}
.container{width:min(1160px,100% - 32px);margin-inline:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:9}
/* header: not sticky by design */
.site-header{background:var(--white);border-bottom:1px solid var(--line)}
.nav-row{display:flex;align-items:center;gap:20px;min-height:72px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.2rem;color:var(--navy);text-decoration:none}.logo b{color:var(--amber-d)}
.logo-light{color:#fff}.logo-light b{color:var(--amber)}
#main-nav{margin-left:auto}#main-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
#main-nav a{display:block;padding:8px 11px;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.93rem}
#main-nav a:hover,#main-nav a[aria-current]{background:var(--sand);color:var(--navy)}
.nav-toggle{display:none;margin-left:auto;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:8px 14px;font:inherit;font-weight:700}
.btn{display:inline-block;background:var(--amber);color:var(--navy);font-weight:800;text-decoration:none;padding:14px 26px;border-radius:999px;box-shadow:0 6px 0 var(--amber-d);transition:transform .15s,box-shadow .15s}
.btn:hover{color:var(--navy);transform:translateY(2px);box-shadow:0 4px 0 var(--amber-d)}.btn-sm{padding:9px 18px;font-size:.92rem;box-shadow:0 4px 0 var(--amber-d)}
.btn-ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 2px rgba(255,255,255,.5)}.btn-ghost:hover{color:#fff;box-shadow:inset 0 0 0 2px #fff}
@media (max-width:1100px){.nav-toggle{display:block}.site-header .btn-sm{display:none}#main-nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;border-bottom:1px solid var(--line);z-index:5}#main-nav.open{display:block}#main-nav ul{flex-direction:column;padding:10px 16px}.site-header{position:relative}}
.crumbs{font-size:.86rem;color:var(--muted);padding:14px 0 0}.crumbs a{color:var(--muted)}.crumbs .sep{margin:0 4px;opacity:.5}
/* page hero */
.page-hero{padding:28px 0 36px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--cream),var(--sand))}
.page-intro{font-size:1.15rem;color:var(--muted);max-width:760px}
.byline{display:flex;align-items:center;gap:10px;font-size:.88rem;color:var(--muted);margin:14px 0 22px}
.avatar{width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--amber);display:grid;place-items:center;font-weight:800;font-size:.75rem;flex:none}
/* prose */
.prose{max-width:860px;padding:36px 0 60px}
.sec{margin:0 0 48px}.sec>p,.sec li{max-width:76ch}
.lead{font-size:1.15rem;color:var(--ink)}
.grid-2,.grid-3{display:grid;gap:18px;margin:18px 0}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}
@media (max-width:760px){.grid-2,.grid-3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow)}.card p:last-child{margin-bottom:0}
.table-wrap{overflow-x:auto;margin:18px 0;border-radius:var(--r);border:1px solid var(--line);background:#fff}
table{border-collapse:collapse;width:100%;font-size:.95rem}th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--navy);color:#fff;font-weight:700}tr:last-child td{border-bottom:0}tbody tr:nth-child(even) td{background:#fcfaf6}
.tip{background:#fff7e6;border:1px solid #f3d9a4;border-left:6px solid var(--amber);border-radius:12px;padding:16px 18px;margin:20px 0}
.takeaways{background:var(--navy);color:#e9edf6;border-radius:var(--r);padding:24px 26px;margin:0 0 40px}.takeaways h2{color:#fff;font-size:1.3rem}.takeaways li{margin:.35em 0}.takeaways a{color:var(--amber)}
.checklist{list-style:none;padding:0}.checklist li{position:relative;padding-left:32px;margin:.55em 0}.checklist li::before{content:"";position:absolute;left:0;top:.3em;width:20px;height:20px;border-radius:6px;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' stroke='white' stroke-width='2.4' fill='none'/%3E%3C/svg%3E") center/16px no-repeat}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding:4px 0 14px 54px;margin:0 0 6px}.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--amber);color:var(--navy);font-weight:800;display:grid;place-items:center}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;padding:0 18px}.faq summary{cursor:pointer;font-weight:700;padding:16px 0;color:var(--navy);list-style:none;position:relative;padding-right:28px}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--amber-d)}.faq details[open] summary::after{content:"\2013"}.faq details p{margin-top:0}
.cta-band{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#dfe5f2;border-radius:22px;padding:34px;margin:30px 0}.cta-band h2{color:#fff}.cta-band p{max-width:60ch}
.sources{font-size:.9rem;color:var(--muted);border-top:1px solid var(--line);padding-top:16px}.sources h2{font-size:1.1rem}
.contact-form{display:grid;gap:12px;max-width:560px}.contact-form label{font-weight:600}.contact-form input,.contact-form textarea,.contact-form select{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
/* home */
.hero{background:var(--navy);color:#dfe5f2;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:auto -10% -40% auto;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle,rgba(245,165,36,.35),transparent 65%)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:42px;align-items:center;padding:56px 0 64px;position:relative}
.hero h1{color:#fff}.hero h1 em{font-style:normal;color:var(--amber)}
.hero .kicker{display:inline-block;background:rgba(245,165,36,.15);color:var(--amber);border:1px solid rgba(245,165,36,.4);padding:5px 12px;border-radius:999px;font-weight:700;font-size:.82rem;letter-spacing:.04em;text-transform:uppercase}
.hero-points{list-style:none;padding:0;margin:22px 0;display:grid;gap:10px}.hero-points li{display:flex;gap:10px;align-items:flex-start}.hero-points li::before{content:"";flex:none;margin-top:.35em;width:18px;height:18px;border-radius:50%;background:var(--amber)}
.apply-card{background:#fff;color:var(--ink);border-radius:24px;padding:26px;box-shadow:0 24px 60px rgba(0,0,0,.35);position:relative}
.apply-card h2{font-size:1.45rem;margin-bottom:.3em}.apply-card .small{font-size:.8rem;color:var(--muted)}
.form-slot{min-height:260px;border:2px dashed var(--line);border-radius:16px;display:grid;place-items:center;text-align:center;padding:18px;color:var(--muted);margin:14px 0}
.ticker{background:var(--amber);color:var(--navy);font-weight:800;overflow:hidden;white-space:nowrap}
.ticker-track{display:inline-block;padding:12px 0;animation:tick 38s linear infinite}.ticker span{margin:0 28px}
@keyframes tick{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.ticker-track{animation:none}}
.band{padding:68px 0}.band-alt{background:#fff;border-block:1px solid var(--line)}.band-dark{background:var(--navy);color:#dfe5f2}.band-dark h2,.band-dark h3{color:#fff}
.sec-head{max-width:720px;margin-bottom:26px}.sec-head p{color:var(--muted)}.band-dark .sec-head p{color:#b9c3d8}
.eyebrow{font-weight:800;color:var(--amber-d);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}
.svc-card{display:flex;flex-direction:column;gap:6px;text-decoration:none;color:inherit;transition:transform .15s}.svc-card:hover{transform:translateY(-4px);color:inherit}
.svc-ico{width:48px;height:48px;border-radius:14px;background:var(--sand);display:grid;place-items:center;font-size:1.4rem}
.svc-card .more{margin-top:auto;font-weight:800;color:var(--navy-2)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.stat{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:20px}.stat b{display:block;font-family:Fraunces,serif;font-size:2rem;color:var(--amber)}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.stats{grid-template-columns:repeat(2,1fr)}}
.calc{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:var(--shadow);display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media (max-width:760px){.calc{grid-template-columns:1fr}}
.calc label{display:flex;justify-content:space-between;font-weight:700;margin-top:14px}.calc input[type=range]{width:100%;accent-color:var(--amber-d)}
.calc-out{background:var(--navy);color:#fff;border-radius:16px;padding:24px;display:flex;flex-direction:column;justify-content:center}.calc-out .big{font-family:Fraunces,serif;font-size:2.6rem;color:var(--amber);line-height:1.1}.calc-out dl{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:16px 0 0;font-size:.95rem}.calc-out dd{margin:0;text-align:right;font-weight:700}
.calc-note{font-size:.8rem;color:var(--muted);grid-column:1/-1;margin:0}
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px}.state-grid a,.state-grid span{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 12px;font-weight:700;text-decoration:none;color:var(--navy)}
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:18px}@media (max-width:760px){.proscons{grid-template-columns:1fr}}
.pros h3{color:var(--green)}.cons h3{color:#b54708}
.expert{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start}
.home .wrap{width:min(1160px,100% - 32px);margin-inline:auto}
/* footer */
.site-footer{background:#0d1830;color:#b9c3d8;padding:56px 0 30px;font-size:.93rem}
.site-footer a{color:#dfe5f2;text-decoration:none}.site-footer a:hover{color:var(--amber)}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:28px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
.foot-h{font-family:Manrope,sans-serif;color:#fff;font-size:.9rem;text-transform:uppercase;letter-spacing:.08em}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:7px 0}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;font-size:.82rem;line-height:1.6}
.glossary dt{font-weight:800;color:var(--navy);margin-top:14px}.glossary dd{margin:4px 0 0;max-width:76ch}
.related{border-top:1px solid var(--line);padding-top:24px;margin-top:36px}
/* hero option C: slanted panel */
.hero-c{background:#fff;position:relative;overflow:hidden;border-bottom:1px solid var(--line)}
.hero-c::before{content:"";position:absolute;top:0;bottom:0;right:-10%;width:58%;background:var(--amber);transform:skewX(-12deg)}
.hero-c::after{content:"";position:absolute;top:0;bottom:0;right:-14%;width:30%;background:var(--navy);transform:skewX(-12deg)}
.hc-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;padding:60px 0 72px}
.hero-c h1{font-size:clamp(2.4rem,5.2vw,4.3rem);line-height:1.04;margin:.25em 0 .35em}
.hero-c h1 em{font-style:normal;background:linear-gradient(transparent 60%,#ffd88a 60%)}
.hero-c .kicker{display:inline-block;background:var(--navy);color:var(--amber);font-weight:800;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 12px;border-radius:999px}
.hero-c .lead{max-width:560px}
.hc-points{list-style:none;padding:0;margin:20px 0;display:grid;gap:9px;font-weight:600}
.hc-points li{display:flex;gap:10px;align-items:flex-start}.hc-points li::before{content:"\2713";flex:none;display:grid;place-items:center;width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--navy);color:var(--amber);font-size:.78rem}
.hc-link{font-weight:800;color:var(--navy);text-decoration:underline;text-decoration-color:var(--amber);text-decoration-thickness:3px}
.hc-panel{position:relative;justify-self:center;width:min(440px,100%);background:var(--navy);color:#fff;transform:skewX(-6deg);padding:34px 38px;box-shadow:14px 14px 0 #c8553d}
.hc-panel>*{transform:skewX(6deg)}
.hc-badge{position:absolute;z-index:2;top:-18px;right:-12px;background:#c8553d;color:#fff;font-weight:800;padding:8px 14px;font-size:.82rem;transform:skewX(6deg) rotate(4deg)}
.hc-inner h2{font-family:Fraunces,Georgia,serif;color:#fff;margin:0 0 4px;font-size:1.7rem}
.hc-sub{margin:0 0 16px;color:#b9c3d8;font-size:.9rem}
.hc-form{min-height:280px;background:#fff;color:var(--muted);border-radius:12px;padding:16px;display:grid;place-items:center;text-align:center}
.hc-fine{font-size:.72rem;color:#b9c3d8;margin:14px 0 0;line-height:1.5}
@media(max-width:900px){.hc-grid{grid-template-columns:1fr;padding:40px 0 56px}.hero-c::before,.hero-c::after{display:none}.hc-panel{transform:none;box-shadow:10px 10px 0 #c8553d}.hc-panel>*{transform:none}.hc-badge{transform:rotate(4deg)}}
.home .ticker{background:var(--navy);color:var(--amber)}
.hero-c h1{font-size:clamp(2.3rem,4.3vw,3.6rem)}.hc-copy{max-width:570px}
#apply{scroll-margin-top:16px}.hc-form{display:block;place-items:initial;text-align:left;color:var(--ink);padding:10px}
/* hero photo */
.hc-photo{position:absolute;inset:0;z-index:0}
.hc-photo img{width:100%;height:100%;object-fit:cover;object-position:25% 30%;display:block}
.hero-c .hc-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.95) 0%,rgba(255,255,255,.9) 35%,rgba(255,255,255,.72) 52%,rgba(255,255,255,.25) 70%,rgba(255,255,255,0) 85%)}
.hero-c::before,.hero-c::after{z-index:1}
.hc-grid{z-index:2;align-items:start}
.hc-copy{padding-top:18px}
@media(max-width:900px){.hc-photo{height:440px;bottom:auto}.hc-photo img{object-position:30% 20%}.hero-c .hc-photo::after{background:linear-gradient(180deg,rgba(255,255,255,.55) 0%,rgba(255,255,255,.88) 45%,#fff 100%)}}
@media(min-width:901px){
.hc-photo{overflow:hidden}
.hc-photo img{position:absolute;height:125%;width:auto;max-width:none;left:9%;top:-4%;object-fit:initial}
.hero-c .hc-photo::after{background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.95) 40%,rgba(255,255,255,.86) 46.5%,rgba(255,255,255,.2) 53%,rgba(255,255,255,0) 58%)}
}
@media(min-width:901px){.hc-photo img{left:calc(50% - 560px)}
.hero-c .hc-photo::after{background:linear-gradient(90deg,#fff 0%,#fff calc(50% - 600px),rgba(255,255,255,.95) calc(50% - 100px),rgba(255,255,255,.86) calc(50% - 50px),rgba(255,255,255,.2) calc(50% + 40px),rgba(255,255,255,0) calc(50% + 110px))}}
/* v3: keep the woman visible beside the copy at every desktop width */
@media(min-width:901px){
.hero-c::before{width:50%}
.hc-copy{max-width:530px}
.hc-photo img{height:auto;width:1200px;top:0;left:calc(50% - 530px)}
.hero-c .hc-photo::after{background:linear-gradient(90deg,#fff 0%,#fff calc(50% - 160px),rgba(255,255,255,.9) calc(50% - 45px),rgba(255,255,255,.1) calc(50% + 15px),rgba(255,255,255,0) calc(50% + 80px)),linear-gradient(180deg,transparent 70%,#fff 100%)}
}
/* v4: no white overlay; full-bleed mirrored photo so she faces the headline */
@media(min-width:901px){
.hc-photo img{position:absolute;inset:0;width:100%;height:100%;left:0;top:0;object-fit:cover;object-position:50% 22%;transform:scaleX(-1)}
.hero-c .hc-photo::after{display:none}
.hc-copy h1,.hc-copy .lead,.hc-points li{text-shadow:0 0 18px rgba(255,255,255,.95),0 0 4px rgba(255,255,255,.9)}
}
/* v5: three-column hero — copy | woman (clear, no overlay) | form */
@media(min-width:901px){
.hc-grid{grid-template-columns:minmax(0,500px) 1fr minmax(0,440px)}
.hc-panel{grid-column:3}
.hc-copy{max-width:500px}
.hero-c h1{font-size:clamp(2.2rem,3.7vw,3.25rem)}
.hc-photo img{inset:auto;width:1200px;height:auto;top:0;left:calc(50% - 438px);object-fit:initial;transform:none;
 -webkit-mask-image:linear-gradient(90deg,transparent 0,rgba(0,0,0,.35) 14%,#000 30%);mask-image:linear-gradient(90deg,transparent 0,rgba(0,0,0,.35) 14%,#000 30%)}
}
@media(min-width:901px){.hc-copy{max-width:455px}.hc-copy .lead{font-size:1.05rem}}
/* services tabs + calculator */
.svc-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.svc-tabs button{font:inherit;font-weight:700;font-size:.93rem;padding:10px 16px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--navy);cursor:pointer}
.svc-tabs button[aria-selected="true"]{background:var(--navy);color:var(--amber);border-color:var(--navy)}
.svc-wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:start}
.svc-content{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}
.svc-panel h3{font-size:1.5rem;margin-top:0}
.svc-facts{list-style:none;padding:0;margin:16px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.svc-facts li{background:var(--sand);border-radius:12px;padding:10px 12px}.svc-facts span{display:block;font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}.svc-facts b{color:var(--navy)}
.svc-best{font-weight:800;margin:14px 0 0}.svc-more{font-weight:800;color:var(--navy-2)}
.svc-calc h3{margin:0 0 10px}
.calc-stack{grid-template-columns:1fr;gap:18px}
@media(max-width:900px){.svc-wrap{grid-template-columns:1fr}.svc-facts{grid-template-columns:1fr 1fr}}
/* review cards */
.rev-grid{margin-bottom:22px}.rev-card{text-align:center}
.rev-src{font-weight:800;text-transform:uppercase;letter-spacing:.06em;font-size:.8rem;color:var(--muted);margin:0}
.rev-score{font-family:Fraunces,Georgia,serif;font-size:2.6rem;color:var(--navy);margin:4px 0 0;line-height:1}.rev-score small{font-size:1rem;color:var(--muted)}
.stars{margin:6px auto 10px;width:120px;height:22px;background:linear-gradient(90deg,#e6dfd2,#e6dfd2);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 2l3 6.9 7.5.6-5.7 4.9 1.8 7.3L12 17.8 5.4 21.7l1.8-7.3L1.5 9.5 9 8.9z'/%3E%3C/svg%3E") left/24px 22px repeat-x;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 2l3 6.9 7.5.6-5.7 4.9 1.8 7.3L12 17.8 5.4 21.7l1.8-7.3L1.5 9.5 9 8.9z'/%3E%3C/svg%3E") left/24px 22px repeat-x;position:relative}
.stars span{position:absolute;left:0;top:0;bottom:0;width:calc(var(--r)/5*100%);background:var(--amber)}
/* services as content cards (separate from calculator) */
.svc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.svc-block h3{font-size:1.3rem;margin:.4em 0 .3em}
.svc-feature{grid-column:1/-1;display:grid;grid-template-columns:auto 1fr;column-gap:20px;border-top:5px solid var(--amber)}
.svc-feature .svc-ico{grid-row:span 6}
.svc-feature h3{font-size:1.6rem;margin-top:0}
.svc-block .svc-facts{margin:12px 0}
@media(max-width:900px){.svc-grid{grid-template-columns:1fr}.svc-feature{display:block}}
.calc-picks{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 16px}
.calc-pick{font:inherit;font-weight:700;font-size:.9rem;padding:9px 15px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--navy);cursor:pointer}
.calc-pick.on{background:var(--navy);color:var(--amber);border-color:var(--navy)}
/* services: zigzag split with images (option F) */
#services .zz{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center;margin-bottom:60px}
#services .zz:last-child{margin-bottom:0}
#services .zz-ph{margin:0;border-radius:28px;overflow:hidden;aspect-ratio:3/2;box-shadow:16px 16px 0 var(--amber)}
#services .zz-ph img{width:100%;height:100%;object-fit:cover;display:block}
#services .rev .zz-ph{order:2;box-shadow:-16px 16px 0 var(--navy)}
#services .lead .zz-ph{box-shadow:16px 16px 0 #c8553d}
#services .lead h3{font-size:2rem}
#services .kick{font-weight:800;color:var(--amber-d);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 6px}
#services .zt h3{font-size:1.6rem;margin:0 0 10px}#services .zt>p{color:#3b4253}
#services .zz-fx{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:14px 0}
#services .zz-fx div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 12px}
#services .zz-fx span{display:block;font-size:.7rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}#services .zz-fx b{color:var(--navy);font-size:.92rem}
#services .zz-more{display:inline-block;margin-top:8px;font-weight:800;background:var(--navy);color:#fff;text-decoration:none;padding:12px 20px;border-radius:999px}
#services .zz-more:hover{background:#1d3260;color:var(--amber)}
@media(max-width:900px){#services .zz{grid-template-columns:1fr;gap:22px}#services .rev .zz-ph{order:0}#services .zz-fx{grid-template-columns:1fr 1fr}}
/* calculator option C: slanted split */
#calculator .rc{position:relative;display:grid;grid-template-columns:1.05fr .95fr;background:#fff;border:1px solid var(--line);overflow:hidden;box-shadow:12px 12px 0 var(--sand)}
#calculator .rc-in{padding:36px 60px 30px 36px}
#calculator .rc-f{margin-bottom:20px}
#calculator .rc-l{display:flex;justify-content:space-between;align-items:baseline;font-weight:700}
#calculator .rc-l output{font-family:Fraunces,Georgia,serif;font-size:1.35rem;color:var(--navy)}
#calculator input[type=range]{width:100%;accent-color:var(--amber-d);height:28px}
#calculator .rc-mm{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted)}
#calculator .rc-note{font-size:.8rem;color:var(--muted);margin:10px 0 0}
#calculator .rc-out{position:relative;z-index:0;color:#fff;padding:40px 40px 34px 120px;display:flex;flex-direction:column;justify-content:center;gap:6px}
#calculator .rc-out::before{content:"";position:absolute;top:0;bottom:0;left:-10px;right:0;background:var(--amber);transform:skewX(-8deg);transform-origin:bottom left;z-index:-2}
#calculator .rc-out::after{content:"";position:absolute;top:0;bottom:0;left:40px;right:0;background:var(--navy);transform:skewX(-8deg);transform-origin:bottom left;z-index:-1}
#calculator .rc-lbl{color:#b9c3d8;font-weight:600}
#calculator .rc-big{font-family:Fraunces,Georgia,serif;font-size:3.4rem;color:var(--amber);line-height:1}
#calculator .rc-rows{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:18px 0}
#calculator .rc-rows div{background:rgba(255,255,255,.07);padding:10px 12px;transform:skewX(-6deg)}
#calculator .rc-rows div>*{display:block;transform:skewX(6deg)}
#calculator .rc-rows span{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:#b9c3d8}#calculator .rc-rows b{font-size:1.05rem}
#calculator .rc-badge{position:absolute;top:16px;right:18px;background:#c8553d;color:#fff;font-weight:800;font-size:.78rem;padding:6px 12px;transform:rotate(3deg)}
#calculator .rc-out .btn{text-align:center}
@media(max-width:900px){#calculator .rc{grid-template-columns:1fr}#calculator .rc-in{padding:28px}#calculator .rc-out{padding:44px 28px 30px}#calculator .rc-out::before,#calculator .rc-out::after{transform:none;left:0}}
/* company snapshot option B: company file */
#company .cf-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:56px;align-items:center}
#company .cf-grid>div>p{color:#3b4253}
#company h2{margin-bottom:16px}
#company .cf-link{font-weight:800;color:var(--navy);text-decoration-color:var(--amber);text-decoration-thickness:3px;text-underline-offset:4px}
#company .cf-file{position:relative;padding-top:34px}
#company .cf-tab{position:absolute;top:0;left:28px;background:var(--amber);color:var(--navy);font-weight:800;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:9px 20px 18px;border-radius:12px 12px 0 0}
#company .cf-sheet{position:relative;background:var(--navy);border-radius:4px 22px 22px 22px;padding:30px 32px;color:#dfe5f2;box-shadow:16px 16px 0 #c8553d}
#company .cf-sheet h3{color:#fff;font-size:1.5rem;margin:0 0 6px}
#company .cf-sub{color:#b9c3d8;font-size:.88rem;margin:0 0 16px}
#company .cf-row{display:grid;grid-template-columns:34px 150px 1fr;align-items:center;gap:8px;padding:12px 0;border-top:1px dashed rgba(255,255,255,.18)}
#company .cf-ic{color:var(--amber);display:grid}
#company .cf-k{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:#b9c3d8}
#company .cf-row b{color:#fff}
#company .cf-seal{position:absolute;right:22px;top:22px;width:84px;height:84px;border-radius:50%;border:2px dashed var(--amber);color:var(--amber);display:grid;place-items:center;text-align:center;font:800 .62rem/1.25 Manrope,sans-serif;letter-spacing:.08em;transform:rotate(12deg)}
@media(max-width:900px){#company .cf-grid{grid-template-columns:1fr;gap:30px}#company .cf-row{grid-template-columns:30px 1fr}#company .cf-row b{grid-column:2}#company .cf-seal{display:none}#company .cf-sheet{box-shadow:10px 10px 0 #c8553d}}
/* rates option D: price tags + fees */
#rates .pt-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
#rates .pt-tags{display:grid;grid-template-columns:1fr 1fr;gap:20px;padding-top:20px}
#rates .pt{position:relative;background:var(--sand);padding:44px 22px 20px;clip-path:polygon(50% 0,100% 14%,100% 100%,0 100%,0 14%);transform:rotate(-2deg)}
#rates .pt.lg{background:var(--navy);transform:rotate(2deg) translateY(14px)}
#rates .pt.lg h3,#rates .pt.lg b{color:#fff}#rates .pt.lg li span{color:#b9c3d8}
#rates .hole{position:absolute;left:50%;top:22px;transform:translateX(-50%);width:16px;height:16px;border-radius:50%;background:var(--cream);border:3px solid var(--amber)}
#rates .pt h3{font-size:1.2rem;text-align:center;margin:10px 0 8px}
#rates .pt ul{list-style:none;padding:0;margin:0}#rates .pt li{padding:9px 0;border-top:1px dashed rgba(127,127,127,.35)}
#rates .pt li span{display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted)}#rates .pt li b{color:var(--navy);font-size:.95rem}
#rates .pt-fees{background:var(--cream);border:1px solid var(--line);border-radius:22px;padding:24px 26px}
#rates .pt-fees h3{font-size:1.25rem;margin:0 0 10px}
#rates .fee{display:grid;grid-template-columns:30px 1fr;gap:10px;padding:12px 0;border-top:1px solid var(--line)}#rates .fee:first-of-type{border:0}
#rates .fee i{font-style:normal;width:28px;height:28px;border-radius:8px;background:var(--navy);color:var(--amber);display:grid;place-items:center;font-weight:800;font-size:.8rem}
#rates .fee i.ok{background:var(--green);color:#fff}
#rates .fee b{color:var(--navy)}#rates .fee p{margin:2px 0 0;font-size:.85rem;color:var(--muted)}
#rates .pt-src{font-size:.78rem;color:var(--muted);margin:22px 0 0}
#rates .pt-link{display:inline-block;margin-top:12px;font-weight:800;color:var(--navy);text-decoration-color:var(--amber);text-decoration-thickness:3px;text-underline-offset:4px}
@media(max-width:900px){#rates .pt-grid{grid-template-columns:1fr}#rates .pt-tags{grid-template-columns:1fr}#rates .pt,#rates .pt.lg{transform:none}}
/* how to apply option C: timeline + document folder */
#how-to-apply .ha-head{text-align:center;max-width:760px;margin:0 auto 30px}
#how-to-apply .ha-tl{list-style:none;padding:0;margin:0 0 50px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative}
#how-to-apply .ha-tl::before{content:"";position:absolute;left:12%;right:12%;top:22px;height:3px;background:var(--amber)}
#how-to-apply .ha-tl li{position:relative;text-align:center}
#how-to-apply .dot{position:relative;z-index:1;display:inline-grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--amber);font-weight:800;font-size:1.1rem;border:4px solid var(--cream)}
#how-to-apply .tm{display:block;font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--amber-d);margin:10px 0 2px}
#how-to-apply .ha-tl h3{font-size:1.1rem;margin:0}#how-to-apply .ha-tl p{font-size:.9rem;color:#3b4253;margin:4px 0 0}
#how-to-apply .ha-fold{position:relative;max-width:980px;margin:0 auto;padding-top:28px}
#how-to-apply .ha-tab{position:absolute;top:0;left:30px;background:#e7c98f;padding:8px 22px 16px;border-radius:12px 12px 0 0;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}
#how-to-apply .ha-body{background:#e7c98f;border-radius:4px 22px 22px 22px;padding:26px 26px 30px;box-shadow:0 18px 40px rgba(19,34,63,.12)}
#how-to-apply .ha-body h3{font-size:1.5rem;margin:0 0 4px}#how-to-apply .ha-body>p{margin:0 0 18px;color:#5b4a2a}
#how-to-apply .ha-docs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
#how-to-apply .doc{background:#fff;border-radius:10px;padding:16px;box-shadow:0 6px 0 rgba(0,0,0,.06);display:flex;flex-direction:column;gap:4px}
#how-to-apply .d0{transform:rotate(-1.5deg)}#how-to-apply .d2{transform:rotate(1.5deg)}#how-to-apply .d3{transform:rotate(-1deg)}#how-to-apply .d5{transform:rotate(1deg);background:#fff7e6}
#how-to-apply .di{width:40px;height:40px;border-radius:10px;background:var(--navy);color:var(--amber);display:grid;place-items:center;margin-bottom:6px}
#how-to-apply .doc b{color:var(--navy)}#how-to-apply .doc small{color:var(--muted)}
#how-to-apply .ha-links{display:flex;gap:28px;justify-content:center;margin-top:26px;flex-wrap:wrap}
#how-to-apply .ha-links a{font-weight:800;color:var(--navy);text-decoration-color:var(--amber);text-decoration-thickness:3px;text-underline-offset:4px}
@media(max-width:900px){#how-to-apply .ha-tl{grid-template-columns:1fr 1fr}#how-to-apply .ha-tl::before{display:none}#how-to-apply .ha-docs{grid-template-columns:1fr 1fr}}

/* alternating light / dark sections on the homepage */
.home .band{background:var(--cream)}
.home .band.band-dark{background:var(--navy);color:#dfe5f2}
.home .band-dark h2,.home .band-dark h3,.home .band-dark .lead{color:#fff}
.home .band-dark .eyebrow{color:var(--amber)}
.home .band-dark .sec-head p,.home .band-dark .wrap>p{color:#c7cfe0}
.home .band-dark a{color:var(--amber)}
.home .band-dark .card,.home .band-dark .rc,.home .band-dark .table-wrap,.home .band-dark .faq details,.home .band-dark .tip,.home .band-dark .pt-fees{color:var(--ink)}
.home .band-dark .card h3,.home .band-dark .rc h3,.home .band-dark .pt-fees h3,.home .band-dark .pt.sm h3{color:var(--navy)}
.home .band-dark .card a,.home .band-dark .rc a,.home .band-dark .table-wrap a,.home .band-dark .faq a,.home .band-dark .tip a{color:var(--navy-2)}
.home .band-dark a.card{color:var(--ink)}
.home .band-dark .checklist li{color:#dfe5f2}.home .band-dark .card .checklist li{color:var(--ink)}
.home .band-dark .cta-band{background:linear-gradient(120deg,#1d3260,#2a4277)}
#rates.band-dark .pt.lg{background:#22396b}
#rates.band-dark .pt-src{color:#b9c3d8}#rates.band-dark .pt-link{color:var(--amber)}
#calculator.band-dark .rc{box-shadow:12px 12px 0 #2a4277}
#calculator.band-dark .calc-pick{background:transparent;color:#fff;border-color:rgba(255,255,255,.3)}#calculator.band-dark .calc-pick.on{background:var(--amber);color:var(--navy);border-color:var(--amber)}
.home .band-dark .byline{color:#b9c3d8}.home .band-dark .sources{color:#b9c3d8;border-color:rgba(255,255,255,.15)}
.home .band-dark .card p,.home .band-dark .card li{color:#3b4253}
.home .band-dark .sec-head .eyebrow,.home .band-dark p.eyebrow{color:var(--amber)}
.home .band-dark .grid-2>div:not(.card)>p{color:#c7cfe0}
.home .band-dark a.btn,.home .band a.btn{color:var(--navy)}
.home .band-dark .pros h3{color:var(--green)}.home .band-dark .cons h3{color:#b54708}
/* pros & cons option A: balance scale */
#pros-cons .bs-scale{position:relative;padding-top:120px}
#pros-cons .bs-beam{position:absolute;left:12%;right:12%;top:52px;height:10px;background:var(--amber);border-radius:999px;transform:rotate(-3deg)}
#pros-cons .bs-post{position:absolute;left:50%;top:40px;width:12px;height:84px;background:var(--amber);transform:translateX(-50%);border-radius:6px}
#pros-cons .bs-pivot{position:absolute;left:50%;top:26px;width:36px;height:36px;border-radius:50%;background:var(--navy);border:6px solid var(--amber);transform:translateX(-50%);z-index:2}
#pros-cons .bs-pans{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
#pros-cons .bs-pan{position:relative;background:#fff;color:#1d2433;border-radius:0 0 28px 28px;padding:28px;border-top:8px solid}
#pros-cons .bs-pan::before{content:"";position:absolute;left:50%;top:-76px;width:2px;height:68px;background:rgba(245,165,36,.6)}
#pros-cons .bs-pro{border-color:var(--green);margin-top:14px}#pros-cons .bs-con{border-color:#c8553d;margin-top:-14px}
#pros-cons .bs-pan h3{font-size:1.4rem;margin:0 0 12px;display:flex;align-items:center;gap:10px}
#pros-cons .bs-pro h3{color:var(--green)}#pros-cons .bs-con h3{color:#b54708}
#pros-cons .bs-pan h3 i{font-style:normal;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:1rem;font-family:Manrope,sans-serif}
#pros-cons .bs-pro h3 i{background:var(--green)}#pros-cons .bs-con h3 i{background:#c8553d}
#pros-cons .bs-pan ul{list-style:none;padding:0;margin:0}#pros-cons .bs-pan li{padding:10px 0;border-top:1px dashed var(--line);color:#1d2433}
#pros-cons .bs-verdict{margin:34px auto 0;max-width:760px;text-align:center}
#pros-cons.band-dark .bs-verdict{color:#dfe5f2}#pros-cons .bs-verdict b{color:var(--amber-d)}#pros-cons.band-dark .bs-verdict b{color:var(--amber)}
@media(max-width:800px){#pros-cons .bs-pans{grid-template-columns:1fr;gap:20px}#pros-cons .bs-beam,#pros-cons .bs-post,#pros-cons .bs-pivot,#pros-cons .bs-pan::before{display:none}#pros-cons .bs-scale{padding-top:0}#pros-cons .bs-pro,#pros-cons .bs-con{margin-top:0}}
/* locations option A: tile map + photo */
#locations .lm-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:30px;align-items:stretch}
#locations .lm-map{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px}
#locations .tm{display:grid;grid-template-columns:repeat(12,1fr);gap:5px}
#locations .tile{aspect-ratio:1;display:grid;place-items:center;border-radius:8px;background:#ebe4d6;color:#a59c8a;font-size:.72rem;font-weight:800;text-decoration:none}
#locations .tile.on{background:var(--navy);color:var(--amber)}#locations .tile.on:hover,#locations .tile.on:focus{background:var(--amber);color:var(--navy)}
#locations .lm-key{display:flex;gap:18px;font-size:.8rem;font-weight:700;margin-top:14px;color:var(--ink)}
#locations .lm-key i{display:inline-block;width:14px;height:14px;border-radius:4px;margin-right:6px;vertical-align:-2px}#locations .k1{background:var(--navy)}#locations .k2{background:#ebe4d6}
#locations .lm-side{display:flex;flex-direction:column;gap:14px}
#locations .lm-ph{margin:0;flex:1;min-height:220px;border-radius:24px;overflow:hidden;box-shadow:12px 12px 0 var(--amber)}
#locations .lm-ph img{width:100%;height:100%;object-fit:cover;object-position:40% 50%;display:block}
#locations .lm-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px}
#locations .lm-stats div{background:var(--navy);color:#fff;border-radius:16px;padding:14px 16px}#locations .lm-stats b{display:block;font-family:Fraunces,Georgia,serif;font-size:1.8rem;color:var(--amber);line-height:1}
#locations .lm-link{display:inline-block;margin-top:22px;font-weight:800;color:var(--navy);text-decoration-color:var(--amber);text-decoration-thickness:3px;text-underline-offset:4px}
#locations.band-dark .lm-link{color:var(--amber)}
@media(max-width:900px){#locations .lm-grid{grid-template-columns:1fr}#locations .tile{font-size:.55rem;border-radius:5px}#locations .tm{gap:3px}}
/* guides option A: magazine */
#guides .gm-top{display:flex;justify-content:space-between;align-items:end;gap:20px;flex-wrap:wrap;margin-bottom:28px}
#guides .gm-all{display:inline-block;background:var(--amber);color:var(--navy);font-weight:800;padding:11px 20px;border-radius:999px;text-decoration:none}
#guides .gm-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
#guides .gm-ft{position:relative;background:var(--amber);color:var(--navy);border-radius:26px;padding:34px;display:flex;flex-direction:column;justify-content:space-between;gap:20px;min-height:420px;overflow:hidden;text-decoration:none}
#guides .gm-ft::after{content:"";position:absolute;right:-60px;bottom:-60px;width:260px;height:260px;border-radius:50%;border:40px solid rgba(19,34,63,.12)}
#guides .gm-ft .gm-tg{font-weight:800;font-size:.78rem;text-transform:uppercase;letter-spacing:.07em;color:var(--navy)}
#guides .gm-ft h3{font-size:2.1rem;color:var(--navy);margin:14px 0}#guides .gm-ft p{font-size:1.05rem;max-width:380px;color:var(--navy);margin:0}
#guides .gm-big{width:64px;height:64px;border-radius:18px;background:var(--navy);color:var(--amber);display:grid;place-items:center}
#guides .gm-rd{font-weight:800;position:relative;z-index:1}
#guides .gm-list{display:flex;flex-direction:column;gap:10px}
#guides .gm-li{display:grid;grid-template-columns:44px 1fr 24px;gap:14px;align-items:center;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:14px 16px;text-decoration:none;transition:background .2s}
#guides .gm-li:hover{background:rgba(255,255,255,.12)}
#guides .gm-ic{width:44px;height:44px;border-radius:12px;background:var(--amber);color:var(--navy);display:grid;place-items:center}
#guides .gm-li h3{font-size:1.05rem;color:#fff;margin:0}#guides .gm-li .gm-tg{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--amber)}
#guides .gm-ar{color:var(--amber);font-weight:800}
#guides .gm-more{margin-top:22px;font-size:.92rem}
#guides:not(.band-dark) .gm-li{background:#fff;border-color:var(--line)}#guides:not(.band-dark) .gm-li h3{color:var(--navy)}#guides:not(.band-dark) .gm-li .gm-tg{color:var(--amber-d)}
@media(max-width:900px){#guides .gm-grid{grid-template-columns:1fr}#guides .gm-ft{min-height:0}}
/* reviews: quote-card style (themes, no invented testimonials) */
#reviews{background:linear-gradient(160deg,#fbf8f3 0%,#f3ece0 55%,#fdf3df 100%)!important;position:relative}
#reviews::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(19,34,63,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(19,34,63,.035) 1px,transparent 1px);background-size:40px 40px;pointer-events:none}
#reviews .wrap{position:relative}
#reviews .rv-head{text-align:center;max-width:760px;margin:0 auto 34px}
#reviews .rv-pill{display:inline-block;background:rgba(245,165,36,.18);color:var(--amber-d);font-weight:800;font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;padding:7px 16px;border-radius:999px}
#reviews h2{margin:14px 0 10px}#reviews .rv-head p{color:var(--muted);margin:0 0 16px}
#reviews .rv-scores{display:flex;flex-wrap:wrap;justify-content:center;gap:10px}
#reviews .rv-scores span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:.88rem;color:var(--ink)}#reviews .rv-scores b{color:var(--navy);margin-right:4px}#reviews .rv-scores small{color:var(--muted)}
#reviews .rv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
#reviews .rv-card{position:relative;background:rgba(255,255,255,.88);border:1px solid rgba(230,223,210,.9);border-radius:22px;padding:26px 26px 22px;box-shadow:0 10px 30px rgba(19,34,63,.06);display:flex;flex-direction:column;gap:8px}
#reviews .rv-q{position:absolute;right:22px;top:6px;font-family:Fraunces,Georgia,serif;font-size:3.4rem;line-height:1;color:rgba(19,34,63,.18)}
#reviews .rv-tag{align-self:flex-start;font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;padding:4px 10px;border-radius:999px}
#reviews .praise .rv-tag{background:#e3f4ea;color:var(--green)}#reviews .complaint .rv-tag{background:#fde9e3;color:#b54708}
#reviews .rv-card h3{font-size:1.15rem;margin:4px 0 0;padding-right:30px}
#reviews .rv-card p{margin:0;font-style:italic;color:#3b4253;font-size:.95rem}
#reviews .rv-by{display:flex;gap:12px;align-items:center;margin-top:auto;padding-top:12px}
#reviews .rv-av{flex:none;width:40px;height:40px;border-radius:50%;display:grid;place-items:center;color:#fff;font-weight:800;font-size:1.1rem}
#reviews .praise .rv-av{background:linear-gradient(135deg,#1f8a5b,#2aa772)}#reviews .complaint .rv-av{background:linear-gradient(135deg,#c8553d,#e07a5f)}
#reviews .rv-by b{display:block;font-size:.85rem;color:var(--navy)}#reviews .rv-by a{font-size:.8rem;color:var(--muted);text-decoration-color:var(--amber)}
#reviews .rv-verdict{max-width:860px;margin:28px auto 0;text-align:center;background:var(--navy);color:#dfe5f2;border-radius:18px;padding:16px 22px}#reviews .rv-verdict b{color:var(--amber)}
#reviews .rv-src{text-align:center;font-size:.76rem;color:var(--muted);margin:12px auto 0;max-width:760px}
#reviews .rv-cta{text-align:center;margin-top:18px}#reviews .rv-cta a{display:inline-block;border:2px solid var(--navy);color:var(--navy);font-weight:800;padding:12px 24px;border-radius:999px;text-decoration:none;background:#fff}#reviews .rv-cta a:hover{background:var(--navy);color:var(--amber)}
@media(max-width:900px){#reviews .rv-grid{grid-template-columns:1fr}}
#reviews .rv-board{display:grid;grid-template-columns:repeat(3,1fr);background:var(--navy);border-radius:26px;overflow:hidden;box-shadow:14px 14px 0 var(--amber);margin:0 0 40px}
#reviews .rv-sc{padding:28px;color:#dfe5f2;border-right:1px solid rgba(255,255,255,.12)}#reviews .rv-sc:last-child{border:0}
#reviews .rv-sn{font-weight:800;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--amber)}
#reviews .rv-sc b{display:block;font-family:Fraunces,Georgia,serif;font-size:3.4rem;color:#fff;line-height:1.05;margin:8px 0}
#reviews .rv-sc b small{font-size:1rem;color:#b9c3d8;font-family:Manrope,sans-serif}
#reviews .rv-sc .stars{margin:0;background:rgba(255,255,255,.18)}
#reviews .rv-sc p{font-size:.88rem;color:#c7cfe0;margin:10px 0 0}#reviews .rv-sc a{color:var(--amber)}
@media(max-width:900px){#reviews .rv-board{grid-template-columns:1fr}#reviews .rv-sc{border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}}
#reviews .rv-cta{margin-top:30px}
.home .cta-band{text-align:center}.home .cta-band p{margin-left:auto;margin-right:auto}
/* dark nav bar (style 2) */
.site-header{background:var(--navy);border-bottom:0}
.site-header .logo{color:#fff}.site-header .logo b{color:var(--amber)}
.site-header .logo svg rect{fill:#22396b}
#main-nav a{color:#dfe5f2;font-weight:600}
#main-nav a:hover{background:rgba(255,255,255,.08);color:#fff}
#main-nav a[aria-current]{background:rgba(255,255,255,.12);color:#fff}
.site-header .btn-sm{border-radius:12px;box-shadow:none;padding:11px 20px}
.nav-toggle{background:var(--amber);color:var(--navy)}
@media(max-width:1100px){#main-nav{background:var(--navy);border-bottom:1px solid rgba(255,255,255,.12)}}
#main-nav a{white-space:nowrap;padding:8px 10px;font-size:.9rem}
.site-header .btn-sm{white-space:nowrap}
.nav-row{gap:14px}
@media(max-width:1240px) and (min-width:1101px){#main-nav a{padding:8px 7px;font-size:.84rem}.site-header .logo span{font-size:1.05rem}}
/* ===== inner pages: centered hero with distinct background ===== */
.page-hero{position:relative;overflow:hidden;background:var(--navy);color:#dfe5f2;padding:44px 0 64px;border-bottom:0;text-align:center}
.page-hero .ph-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.22;filter:grayscale(.2)}
.page-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(19,34,63,.55),rgba(19,34,63,.92) 70%);z-index:1}
.page-hero::after{content:"";position:absolute;left:-5%;right:-5%;bottom:-1px;height:46px;background:var(--cream);clip-path:polygon(0 100%,100% 30%,100% 100%);z-index:2}
.page-hero .ph-inner{position:relative;z-index:3;max-width:860px}
.page-hero.ph-legal{background:linear-gradient(135deg,var(--navy),#22396b)}
.page-hero .crumbs{padding:0 0 18px;color:#b9c3d8;display:flex;justify-content:center;flex-wrap:wrap;gap:4px}
.page-hero .crumbs a{color:#dfe5f2}.page-hero .crumbs [aria-current]{color:var(--amber)}
.page-hero h1{color:#fff;margin:.1em auto .35em}
.page-hero .page-intro{color:#c7cfe0;margin:0 auto;max-width:720px}
.page-hero .byline{justify-content:center;color:#b9c3d8;margin:20px 0 24px}
.page-hero .byline a{color:#fff}
.page-hero .avatar{background:var(--amber);color:var(--navy)}
.page-hero .btn{box-shadow:0 6px 0 var(--amber-d)}
@media(max-width:700px){.page-hero .byline{flex-direction:column;gap:6px}}
/* ===== inner pages: content polish ===== */
.prose{padding-top:28px}
.page-fig{margin:0 0 40px;border-radius:24px;overflow:hidden;aspect-ratio:16/7;box-shadow:14px 14px 0 var(--amber)}
.page-fig img{width:100%;height:100%;object-fit:cover;display:block}
.takeaways{box-shadow:10px 10px 0 var(--amber);margin-top:6px}
.prose .sec>h2{position:relative;padding-left:18px}
.prose .sec>h2::before{content:"";position:absolute;left:0;top:.15em;bottom:.15em;width:6px;border-radius:4px;background:var(--amber)}
.prose .card{transition:transform .2s,box-shadow .2s}.prose .card:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(19,34,63,.12)}
.prose .table-wrap{box-shadow:0 10px 26px rgba(19,34,63,.06)}
.prose .cta-band{text-align:center;position:relative;overflow:hidden}.prose .cta-band p{margin-left:auto;margin-right:auto}
.prose .cta-band::after{content:"";position:absolute;right:-50px;top:-50px;width:180px;height:180px;border-radius:50%;border:30px solid rgba(245,165,36,.15)}
.prose .related{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px 26px}
.prose .related ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}.prose .related li a{font-weight:700;text-decoration:none}.prose .related li a::before{content:"\2192  ";color:var(--amber-d)}
.cta-band{text-align:center}.cta-band p{margin-left:auto;margin-right:auto}
.page-hero .byline{margin-bottom:6px}
.author-box{display:flex;align-items:center;gap:10px;font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);margin-top:36px;padding-top:18px}.author-box .avatar{background:var(--navy);color:var(--amber)}
/* logo: signpost */
.logo{gap:10px;font-size:1.35rem;letter-spacing:-.01em}.logo-ic{flex:none}
.logo-light{font-size:1.3rem;margin-bottom:6px}
.site-footer .logo{display:inline-flex;align-items:center}
.hc-title{font-family:Fraunces,Georgia,serif;color:#fff;font-size:1.7rem;font-weight:700;line-height:1.15;margin:0 0 4px}
/* Larger hero lead form */
@media(min-width:901px){.hc-grid{grid-template-columns:minmax(0,470px) 1fr minmax(0,540px);gap:32px}}
.hc-panel{width:min(540px,100%);padding:38px 44px 34px;justify-self:end}
.hc-title{font-size:2rem}
.hc-sub{font-size:1rem}
.hc-form{min-height:440px;padding:18px;border-radius:14px;font-size:1.05rem}
.hc-form input,.hc-form select,.hc-form button{font-size:1.05rem;min-height:48px}
@media(max-width:900px){.hc-panel{width:100%;padding:28px 22px;justify-self:stretch}.hc-form{min-height:380px;padding:12px}}

/* Hero v7: Option C two-column with full-size form card */
.hx .kicker{display:inline-block;background:var(--navy);color:var(--amber);font-weight:800;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 12px;border-radius:999px}
.hx h1{font-size:clamp(2.3rem,4.3vw,3.6rem);line-height:1.04;margin:.3em 0 .35em}
.hx h1 em{font-style:normal;background:linear-gradient(transparent 60%,#ffd88a 60%)}
.hx-form{width:100%;min-height:560px;background:#fff;border-radius:14px;padding:0;overflow:visible}
.hx-form #_lg_form_{width:100%}
.hx-fine{font-size:.74rem;line-height:1.5;margin:14px 0 0}
#apply{scroll-margin-top:16px}
@media(max-width:900px){.hx-form{min-height:520px}}

.hx-c{background:linear-gradient(115deg,#fff 0 55%,var(--amber) 55% 78%,var(--navy) 78%)}
.hx-c-grid{display:grid;grid-template-columns:1fr minmax(460px,600px);gap:48px;align-items:start;padding:56px 0 72px}
.hx-c-photo{margin-top:26px;border-radius:18px;overflow:hidden;box-shadow:12px 12px 0 var(--navy);aspect-ratio:16/9}
.hx-c-photo .hx-img{width:100%;height:100%;object-fit:cover;object-position:30% 30%}
.hx-c-card{background:#fff;border-radius:20px;overflow:hidden;box-shadow:0 30px 70px rgba(19,34,63,.28);border-top:8px solid #c8553d}
.hx-c-top{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;background:var(--navy);padding:24px 28px}
.hx-c-top .hc-title{font-family:Fraunces,Georgia,serif;font-size:1.9rem;font-weight:700;color:#fff;margin:0}
.hx-c-top .hc-sub{color:#b9c3d8;margin:4px 0 0}
.hx-c .hx-badge{background:var(--amber);color:var(--navy);font-weight:800;font-size:.78rem;padding:7px 12px;border-radius:999px;white-space:nowrap}
.hx-c-card .hx-form{border-radius:0;padding:12px 16px}
.hx-c-card .hx-fine{color:var(--muted,#5b6475);padding:0 24px 22px}
@media(max-width:1000px){.hx-c{background:#fff}.hx-c-grid{grid-template-columns:1fr;padding:32px 0 48px}.hx-c-card{order:-1}.hx-c-photo{box-shadow:6px 6px 0 var(--navy);margin-right:6px}}