:root{
    --navy:#14305F;
    --navy-deep:#0A182E;
    --navy-ink:#0F2140;
    --ink:#22293A;
    --slate:#5D6779;
    --mist:#8B93A5;
    --ground:#FCFBF7;
    --tile:#FFFFFF;
    --warm:#F5F0E6;
    --line:rgba(20,48,95,.10);
    --gold:#E39A1C;
    --gold-soft:#F3C468;
    --gold-deep:#9C6A0B;
    --teal:#177E89;
    --teal-deep:#0E5560;
    --r-lg:28px;
    --r-md:20px;
    --shadow-soft:0 2px 6px rgba(20,48,95,.05), 0 18px 44px rgba(20,48,95,.09);
    --shadow-float:0 8px 20px rgba(10,24,46,.14), 0 30px 70px rgba(10,24,46,.18);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{
    font-family:'Instrument Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
    color:var(--ink);background:var(--ground);line-height:1.65;font-size:16.5px;
    -webkit-font-smoothing:antialiased;
  }
  img{max-width:100%;display:block}
  a{color:var(--teal-deep)}
  a:focus-visible,button:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:6px}
  .wrap{max-width:1180px;margin:0 auto;padding:0 28px}
  .display{font-family:'Fraunces',Georgia,serif;font-weight:520;line-height:1.06;letter-spacing:-.022em}
  .display em{font-style:italic;font-weight:420}

  /* motion */
  .rv{opacity:0;transform:translateY(26px);transition:opacity .8s cubic-bezier(.2,.6,.2,1),transform .8s cubic-bezier(.2,.6,.2,1)}
  .rv.in{opacity:1;transform:none}
  .rv.d1{transition-delay:.08s}.rv.d2{transition-delay:.16s}.rv.d3{transition-delay:.24s}.rv.d4{transition-delay:.32s}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto}
    .rv{opacity:1 !important;transform:none !important;transition:none !important}
    .tick-track{animation:none !important;transform:none !important}
    .u-draw path{stroke-dashoffset:0 !important;transition:none !important}
    *{animation-duration:.001s !important;transition-duration:.001s !important}
  }

  .skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:#231600;padding:10px 18px;font-weight:700;border-radius:0 0 10px 0;z-index:200;text-decoration:none}
  .skip:focus{left:0}

  /* ---------- floating island nav ---------- */
  .nav-shell{position:fixed;top:18px;left:0;right:0;z-index:100;padding:0 20px;pointer-events:none}
  .nav-island{
    pointer-events:auto;max-width:1180px;margin:0 auto;
    display:flex;align-items:center;justify-content:space-between;gap:18px;
    background:rgba(252,251,247,.82);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
    border:1px solid rgba(20,48,95,.08);border-radius:22px;
    padding:10px 12px 10px 18px;box-shadow:0 4px 16px rgba(10,24,46,.08), 0 16px 48px rgba(10,24,46,.10);
  }
  .brand{display:flex;align-items:center;text-decoration:none}
  .brand img{height:46px;width:auto}
  .nav-links{display:flex;align-items:center;gap:6px}
  .nav-links a{
    font-weight:600;font-size:15px;color:var(--navy);text-decoration:none;
    padding:9px 15px;border-radius:12px;transition:background .18s ease,color .18s ease;
  }
  .nav-links a:hover{background:rgba(20,48,95,.06);color:var(--teal-deep)}
  .nav-right{display:flex;align-items:center;gap:10px}
  .nav-tel{
    display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:15px;
    color:var(--navy);text-decoration:none;padding:9px 14px;border-radius:12px;
  }
  .nav-tel:hover{background:rgba(20,48,95,.06)}
  .btn{
    display:inline-flex;align-items:center;gap:9px;font-weight:700;text-decoration:none;
    border-radius:999px;padding:13px 26px;font-size:16px;border:0;cursor:pointer;
    transition:transform .18s ease,box-shadow .18s ease,background .18s ease;
  }
  .btn:hover{transform:translateY(-2px)}
  .btn-gold{background:linear-gradient(135deg,#F0AE33,#E39A1C 55%,#D3880F);color:#231600;box-shadow:0 8px 22px rgba(227,154,28,.4)}
  .btn-gold:hover{box-shadow:0 12px 28px rgba(227,154,28,.5)}
  .btn-glass{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.45);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
  .btn-glass:hover{background:rgba(255,255,255,.24)}
  .btn-navy{background:var(--navy);color:#fff;box-shadow:0 8px 22px rgba(20,48,95,.3)}
  .btn-navy:hover{background:#1B3D77}
  .nav-cta{padding:11px 21px;font-size:15px}

  /* ---------- hero ---------- */
  .hero{position:relative;min-height:94vh;display:flex;align-items:flex-end;overflow:hidden;background:var(--navy-deep)}
  .hero-bg{position:absolute;inset:0}
  .hero-bg img{width:100%;height:100%;object-fit:cover;object-position:65% 35%}
  .hero-bg::after{
    content:"";position:absolute;inset:0;
    background:
      linear-gradient(to top, rgba(10,24,46,.88) 0%, rgba(10,24,46,.30) 42%, rgba(10,24,46,.18) 100%),
      linear-gradient(78deg, rgba(10,24,46,.92) 0%, rgba(13,31,58,.62) 42%, rgba(10,24,46,.08) 78%);
  }
  .hero-inner{position:relative;width:100%;padding:170px 0 0}
  .hero-copy{max-width:780px;padding-bottom:64px}
  .pill{
    display:inline-flex;align-items:center;gap:9px;font-size:13px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;
    color:#FBEED3;background:rgba(227,154,28,.16);border:1px solid rgba(243,196,104,.4);
    border-radius:999px;padding:8px 16px;backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);
  }
  .pill .dot{width:7px;height:7px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(227,154,28,.25)}
  .hero h1{font-size:clamp(42px,6.2vw,76px);color:#fff;margin:26px 0 22px}
  .hero h1 .gv{color:var(--gold-soft);position:relative;white-space:nowrap}
  .u-draw{position:absolute;left:-2%;right:-2%;bottom:-.14em;width:104%;height:.34em;overflow:visible}
  .u-draw path{stroke:var(--gold);stroke-width:5.5;fill:none;stroke-linecap:round;opacity:.85;
    stroke-dasharray:320;stroke-dashoffset:320;transition:stroke-dashoffset 1.2s ease .5s}
  .loaded .u-draw path{stroke-dashoffset:0}
  .hero p.lead{font-size:clamp(17px,1.5vw,20px);color:rgba(236,241,250,.88);max-width:33em;margin-bottom:34px}
  .hero .ctas{display:flex;flex-wrap:wrap;gap:14px}

  /* glass stat bar */
  .statbar{
    position:relative;
    background:rgba(16,33,64,.55);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);
    border-top:1px solid rgba(255,255,255,.16);
  }
  .statbar .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
  .stat{padding:26px 34px 28px;border-left:1px solid rgba(255,255,255,.12)}
  .stat:first-child{border-left:0;padding-left:0}
  .stat b{display:block;font-family:'Fraunces',Georgia,serif;font-weight:520;font-size:23px;color:#fff;letter-spacing:-.01em;margin-bottom:3px}
  .stat span{font-size:14px;color:rgba(226,233,245,.75);line-height:1.5;display:block}

  /* ---------- ticker ---------- */
  .ticker{background:var(--navy-deep);overflow:hidden;padding:16px 0;border-top:1px solid rgba(255,255,255,.06)}
  .tick-track{display:inline-flex;white-space:nowrap;animation:tick 46s linear infinite;will-change:transform}
  .tick-track:hover{animation-play-state:paused}
  .tick-item{display:inline-flex;align-items:center;gap:26px;padding-right:26px;
    font-family:'Fraunces',Georgia,serif;font-style:italic;font-weight:420;font-size:17px;color:rgba(236,241,250,.66)}
  .tick-item::after{content:"◆";font-size:8px;color:var(--gold);font-style:normal}
  @keyframes tick{to{transform:translateX(-50%)}}

  /* ---------- sections ---------- */
  section{padding:118px 0}
  .sec-split{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:end;margin-bottom:64px}
  .kicker{
    display:inline-flex;align-items:center;gap:10px;font-size:12.5px;font-weight:700;letter-spacing:.15em;
    text-transform:uppercase;color:var(--gold-deep);margin-bottom:18px;
  }
  .kicker::before{content:"";width:30px;height:2px;background:linear-gradient(90deg,var(--gold),var(--gold-soft));border-radius:2px}
  .sec-split h2{font-size:clamp(32px,4vw,52px);color:var(--navy)}
  .sec-split .side p{color:var(--slate);font-size:17.5px}

  /* ---------- bento services ---------- */
  .group-label{
    display:flex;align-items:baseline;gap:14px;margin:0 0 22px;
  }
  .group-label h3{font-family:'Fraunces',Georgia,serif;font-weight:520;font-size:23px;color:var(--navy);letter-spacing:-.01em}
  .group-label .chip{
    font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
    color:var(--teal-deep);background:rgba(23,126,137,.09);border:1px solid rgba(23,126,137,.22);
    padding:5px 13px;border-radius:999px;
  }
  .bento{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:56px}
  .bento:last-child{margin-bottom:0}
  .tile{
    background:var(--tile);border:1px solid var(--line);border-radius:var(--r-md);
    padding:30px 28px;position:relative;overflow:hidden;
    transition:transform .25s cubic-bezier(.2,.6,.2,1),box-shadow .25s ease;
  }
  .tile::before{
    content:"";position:absolute;left:0;right:0;top:0;height:3px;
    background:linear-gradient(90deg,var(--gold),var(--gold-soft));
    transform:scaleX(0);transform-origin:left;transition:transform .3s ease;
  }
  .tile:hover{transform:translateY(-5px);box-shadow:var(--shadow-soft)}
  .tile:hover::before{transform:scaleX(1)}
  .tile svg{margin-bottom:16px}
  .tile h4{color:var(--navy);font-size:17.5px;line-height:1.32;font-weight:700;letter-spacing:-.01em;margin-bottom:8px}
  .tile p{color:var(--slate);font-size:14.5px;line-height:1.6}
  .tile-photo{padding:0;border:0;grid-column:span 2;min-height:280px}
  .tile-photo img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
  .tile-photo::before{display:none}
  .tile-photo .veil{
    position:absolute;inset:0;background:linear-gradient(to top, rgba(10,24,46,.72) 0%, rgba(10,24,46,.06) 55%);
  }
  .tile-photo figcaption{
    position:absolute;left:26px;right:26px;bottom:22px;color:#fff;
    font-family:'Fraunces',Georgia,serif;font-style:italic;font-weight:420;font-size:19px;letter-spacing:.01em;
  }
  .tile-wide{grid-column:span 1}

  /* ---------- mission band ---------- */
  .mission{position:relative;padding:150px 0;overflow:hidden;background:var(--navy-deep)}
  .mission .bg{position:absolute;inset:0}
  .mission .bg img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
  .mission .bg::after{content:"";position:absolute;inset:0;
    background:linear-gradient(rgba(10,24,46,.82), rgba(14,42,58,.78))}
  .mission .wrap{position:relative;text-align:center;max-width:880px}
  .mission blockquote{
    font-family:'Fraunces',Georgia,serif;font-style:italic;font-weight:420;
    font-size:clamp(26px,3.4vw,42px);line-height:1.28;color:#fff;letter-spacing:-.01em;
  }
  .mission blockquote strong{font-style:normal;font-weight:520;color:var(--gold-soft)}
  .mission .rule{width:56px;height:3px;border-radius:3px;background:linear-gradient(90deg,var(--gold),var(--gold-soft));margin:0 auto 34px}
  .mission cite{display:block;margin-top:30px;font-family:'Instrument Sans',sans-serif;font-style:normal;
    font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(226,233,245,.65)}

  /* ---------- referral steps ---------- */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;position:relative}
  .step{
    position:relative;background:var(--tile);border:1px solid var(--line);border-radius:var(--r-md);
    padding:40px 32px 34px;overflow:hidden;
  }
  .step .ghost{
    position:absolute;top:2px;right:14px;font-family:'Fraunces',Georgia,serif;font-weight:600;
    font-size:120px;line-height:1;color:transparent;-webkit-text-stroke:1.5px rgba(227,154,28,.32);
    user-select:none;pointer-events:none;
  }
  .step h4{color:var(--navy);font-size:20px;font-weight:700;letter-spacing:-.01em;margin-bottom:10px;position:relative}
  .step p{color:var(--slate);font-size:15px;position:relative;max-width:26em}
  .step p a{font-weight:600}
  .steps-note{
    margin-top:22px;display:flex;gap:14px;align-items:flex-start;
    background:rgba(23,126,137,.06);border:1px solid rgba(23,126,137,.18);
    border-radius:var(--r-md);padding:20px 24px;color:var(--slate);font-size:15px;
  }
  .steps-note svg{flex:none;margin-top:2px}
  .steps-note strong{color:var(--teal-deep)}

  /* ---------- contact ---------- */
  .contact-card{
    display:grid;grid-template-columns:1.05fr .95fr;
    background:linear-gradient(150deg,#1A3A70 0%,var(--navy) 45%,var(--navy-deep) 100%);
    border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-float);
  }
  .contact-info{padding:64px 58px;color:#fff}
  .contact-info .kicker{color:var(--gold-soft)}
  .contact-info .kicker::before{background:linear-gradient(90deg,var(--gold),var(--gold-soft))}
  .contact-info h2{font-size:clamp(30px,3.4vw,44px);margin-bottom:14px;color:#fff}
  .contact-info>p{color:rgba(226,233,245,.8);font-size:17px;margin-bottom:36px;max-width:30em}
  .c-rows{display:flex;flex-direction:column;gap:6px;margin-bottom:38px}
  .c-row{
    display:flex;gap:16px;align-items:center;padding:13px 16px;margin:0 -16px;border-radius:14px;
    transition:background .18s ease;
  }
  a.c-row{text-decoration:none}
  a.c-row:hover{background:rgba(255,255,255,.07)}
  .c-row .cic{
    flex:none;width:44px;height:44px;border-radius:13px;display:flex;align-items:center;justify-content:center;
    background:rgba(227,154,28,.14);border:1px solid rgba(243,196,104,.3);
  }
  .c-row small{display:block;font-size:11.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:rgba(226,233,245,.55)}
  .c-row .val{color:#fff;font-weight:600;font-size:17px;line-height:1.4}
  .contact-photo{position:relative;min-height:420px}
  .contact-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
  .contact-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(16,33,64,.5) 0%,rgba(16,33,64,0) 45%)}

  /* ---------- footer ---------- */
  footer{background:var(--navy-deep);color:rgba(200,210,228,.7);font-size:14.5px}
  footer .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:44px;padding-top:64px;padding-bottom:34px}
  footer .flogo{height:56px;width:auto;margin-bottom:16px;background:#fff;border-radius:12px;padding:7px}
  footer h5{color:#fff;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:16px}
  footer ul{list-style:none}
  footer li{margin-bottom:9px}
  footer a{color:rgba(200,210,228,.8);text-decoration:none}
  footer a:hover{color:#fff}
  .fbottom{border-top:1px solid rgba(255,255,255,.08)}
  .fbottom .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:20px;padding-bottom:22px;flex-wrap:wrap;font-size:13px;color:rgba(200,210,228,.5)}

  /* ---------- responsive ---------- */
  @media (max-width:1000px){
    .nav-links{display:none}
    .hero-inner{padding-top:130px}
    .statbar .wrap{grid-template-columns:1fr;gap:0}
    .stat{border-left:0;border-top:1px solid rgba(255,255,255,.1);padding:18px 0}
    .stat:first-child{border-top:0}
    .sec-split{grid-template-columns:1fr;gap:18px;margin-bottom:44px}
    .bento{grid-template-columns:repeat(2,1fr)}
    .tile-photo{grid-column:span 2;min-height:240px}
    .steps{grid-template-columns:1fr}
    .contact-card{grid-template-columns:1fr}
    .contact-photo{min-height:300px;order:-1}
    .contact-photo::after{background:linear-gradient(to top,rgba(16,33,64,.55) 0%,rgba(16,33,64,0) 50%)}
    footer .wrap{grid-template-columns:1fr;gap:34px}
  }
  @media (max-width:640px){
    section{padding:80px 0}
    .nav-shell{top:12px;padding:0 12px}
    .nav-island{padding:8px 8px 8px 12px;border-radius:18px}
    .brand img{height:38px}
    .nav-tel span{display:none}
    .nav-cta{padding:10px 16px;font-size:14px}
    .hero{min-height:88vh}
    .hero-copy{padding-bottom:48px}
    .bento{grid-template-columns:1fr}
    .tile-photo{grid-column:span 1}
    .contact-info{padding:44px 30px}
    .mission{padding:110px 0}
  }

  /* ---------- nav: active state + mobile menu ---------- */
  .nav-links a[aria-current="page"]{background:rgba(20,48,95,.07);color:var(--teal-deep)}
  .nav-toggle{
    display:none;width:42px;height:42px;border-radius:12px;border:1px solid rgba(20,48,95,.12);
    background:#fff;cursor:pointer;align-items:center;justify-content:center;color:var(--navy);flex:none;
  }
  .nav-toggle:hover{background:rgba(20,48,95,.06)}
  .nav-menu{
    display:none;pointer-events:auto;max-width:1180px;margin:10px auto 0;
    background:rgba(252,251,247,.96);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
    border:1px solid rgba(20,48,95,.08);border-radius:18px;padding:10px;
    box-shadow:0 4px 16px rgba(10,24,46,.08), 0 16px 48px rgba(10,24,46,.10);
  }
  .nav-menu.open{display:block}
  .nav-menu a{display:block;font-weight:600;font-size:16px;color:var(--navy);text-decoration:none;padding:12px 14px;border-radius:12px}
  .nav-menu a:hover,.nav-menu a[aria-current="page"]{background:rgba(20,48,95,.06);color:var(--teal-deep)}
  .nav-menu .sub{padding-left:28px;font-weight:500;font-size:15px;color:var(--slate)}
  @media (max-width:1000px){ .nav-toggle{display:inline-flex} }

  /* ---------- inner page hero ---------- */
  .page-hero{position:relative;min-height:62vh;display:flex;align-items:flex-end;overflow:hidden;background:var(--navy-deep);padding:0}
  .page-hero.tall{min-height:72vh}
  .page-hero .hero-bg img{object-position:center 40%}
  .page-hero .hero-inner{padding:150px 0 0}
  .page-hero .hero-copy{max-width:820px;padding-bottom:64px}
  .page-hero h1{font-size:clamp(38px,5.4vw,66px);color:#fff;margin:22px 0 18px}
  .page-hero h1 em{color:var(--gold-soft)}
  .page-hero p.lead{font-size:clamp(17px,1.5vw,20px);color:rgba(236,241,250,.88);max-width:34em;margin-bottom:30px}
  .page-hero .ctas{display:flex;flex-wrap:wrap;gap:14px}
  .crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:10px;font-size:13.5px;font-weight:600;color:rgba(226,233,245,.7);margin-bottom:6px}
  .crumbs a{color:rgba(226,233,245,.85);text-decoration:none}
  .crumbs a:hover{color:#fff;text-decoration:underline}
  .crumbs span[aria-hidden]{color:var(--gold);font-size:9px}
  .page-hero .statbar .wrap{grid-template-columns:repeat(3,1fr)}

  /* ---------- generic content blocks ---------- */
  .split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
  .split.rev>.photo{order:2}
  .split .photo{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-soft);min-height:420px;aspect-ratio:4/3}
  .split .photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
  .split .photo .badge{
    position:absolute;left:22px;bottom:22px;background:rgba(252,251,247,.94);backdrop-filter:blur(10px);
    border-radius:16px;padding:14px 18px;box-shadow:var(--shadow-soft);max-width:78%;
  }
  .split .photo .badge b{display:block;font-family:'Fraunces',Georgia,serif;font-weight:520;font-size:20px;color:var(--navy);letter-spacing:-.01em}
  .split .photo .badge span{font-size:13.5px;color:var(--slate)}
  .split h2{font-size:clamp(30px,3.6vw,46px);color:var(--navy);margin-bottom:18px}
  .split h2 em{color:var(--teal-deep)}
  .prose p{color:var(--slate);font-size:17px;margin-bottom:16px;max-width:36em}
  .prose p:last-child{margin-bottom:0}
  .prose p strong{color:var(--navy)}

  .checks{list-style:none;display:grid;gap:12px;margin-top:22px}
  .checks li{display:flex;gap:13px;align-items:flex-start;color:var(--ink);font-size:16px;line-height:1.5}
  .checks li::before{
    content:"";flex:none;width:22px;height:22px;border-radius:50%;margin-top:2px;
    background:rgba(23,126,137,.1) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'><path d='M6 12.5l4 4 8-9' stroke='%230E5560' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/></svg>") center/14px no-repeat;
    border:1px solid rgba(23,126,137,.25);
  }

  .sec-alt{background:var(--warm)}
  .sec-tight{padding:90px 0}
  .center{text-align:center}
  .center .kicker{justify-content:center}
  .center h2{font-size:clamp(30px,3.6vw,46px);color:var(--navy);margin-bottom:14px}
  .center>p,.intro{color:var(--slate);font-size:17.5px;max-width:40em;margin:0 auto}

  /* values / info cards */
  .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:52px}
  .cards.four{grid-template-columns:repeat(4,1fr)}
  .cards.two{grid-template-columns:repeat(2,1fr)}
  .card{
    background:var(--tile);border:1px solid var(--line);border-radius:var(--r-md);padding:32px 30px;position:relative;overflow:hidden;
    transition:transform .25s cubic-bezier(.2,.6,.2,1),box-shadow .25s ease;text-align:left;
  }
  .card::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-soft));transform:scaleX(0);transform-origin:left;transition:transform .3s ease}
  .card:hover{transform:translateY(-5px);box-shadow:var(--shadow-soft)}
  .card:hover::before{transform:scaleX(1)}
  .card .ic{width:48px;height:48px;border-radius:14px;display:flex;align-items:center;justify-content:center;background:rgba(23,126,137,.08);border:1px solid rgba(23,126,137,.2);margin-bottom:18px}
  .card h4{color:var(--navy);font-size:18.5px;font-weight:700;letter-spacing:-.01em;margin-bottom:8px;line-height:1.3}
  .card p{color:var(--slate);font-size:15px;line-height:1.6}
  .card .num{font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:44px;line-height:1;color:transparent;-webkit-text-stroke:1.5px rgba(227,154,28,.5);margin-bottom:14px}
  a.card{display:block;text-decoration:none}
  a.card .more{display:inline-flex;align-items:center;gap:8px;margin-top:16px;font-weight:700;font-size:14.5px;color:var(--teal-deep)}
  a.card .more::after{content:"→";transition:transform .2s ease}
  a.card:hover .more::after{transform:translateX(4px)}
  a.tile{text-decoration:none;display:block;color:inherit}

  /* timeline (about) */
  .timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:52px;position:relative}
  .timeline::before{content:"";position:absolute;left:0;right:0;top:11px;height:2px;background:linear-gradient(90deg,var(--gold),rgba(227,154,28,.15))}
  .tl{padding:0 28px 0 0;position:relative}
  .tl::before{content:"";position:absolute;left:0;top:4px;width:16px;height:16px;border-radius:50%;background:var(--ground);border:3px solid var(--gold)}
  .tl b{display:block;margin-top:34px;font-family:'Fraunces',Georgia,serif;font-weight:520;font-size:22px;color:var(--navy);margin-bottom:8px}
  .tl p{color:var(--slate);font-size:15px}

  /* service sub-page layout */
  .svc-layout{display:grid;grid-template-columns:1fr 320px;gap:64px;align-items:start}
  .svc-side{position:sticky;top:110px;display:grid;gap:18px}
  .side-card{background:var(--tile);border:1px solid var(--line);border-radius:var(--r-md);padding:26px 26px 24px}
  .side-card h5{font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:14px}
  .side-card ul{list-style:none}
  .side-card li{border-top:1px solid var(--line)}
  .side-card li:first-child{border-top:0}
  .side-card li a{display:block;padding:10px 0;color:var(--navy);text-decoration:none;font-weight:600;font-size:14.5px;line-height:1.35}
  .side-card li a:hover{color:var(--teal-deep)}
  .side-card li a[aria-current="page"]{color:var(--teal-deep);padding-left:14px;position:relative}
  .side-card li a[aria-current="page"]::before{content:"";position:absolute;left:0;top:14px;bottom:14px;width:3px;border-radius:3px;background:var(--gold)}
  .side-card.dark{background:linear-gradient(150deg,#1A3A70 0%,var(--navy) 45%,var(--navy-deep) 100%);color:#fff;border:0;box-shadow:var(--shadow-float)}
  .side-card.dark h5{color:var(--gold-soft)}
  .side-card.dark p{color:rgba(226,233,245,.82);font-size:15px;margin-bottom:18px}
  .side-card.dark .btn{width:100%;justify-content:center}
  .side-card.dark .tel{display:block;text-align:center;margin-top:12px;color:#fff;font-weight:700;text-decoration:none}
  .svc-main h2{font-size:clamp(26px,3vw,36px);color:var(--navy);margin:0 0 16px}
  .svc-main h2 em{color:var(--teal-deep)}
  .svc-main .block{margin-bottom:56px}
  .svc-main .block:last-child{margin-bottom:0}
  .svc-main .prose p{max-width:none}
  .who{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:10px}
  .who div{background:var(--warm);border-radius:16px;padding:18px 20px;font-size:15px;color:var(--ink);display:flex;gap:12px;align-items:flex-start}
  .who svg{flex:none;margin-top:2px}
  .facts{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:10px}
  .fact{background:var(--tile);border:1px solid var(--line);border-radius:16px;padding:20px 22px}
  .fact small{display:block;font-size:11.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:6px}
  .fact b{color:var(--navy);font-size:16px;line-height:1.4;font-weight:600}
  .quote{
    border-left:3px solid var(--gold);padding:8px 0 8px 26px;margin:6px 0;
    font-family:'Fraunces',Georgia,serif;font-style:italic;font-weight:420;font-size:clamp(20px,2.2vw,26px);line-height:1.4;color:var(--navy);
  }
  .quote cite{display:block;margin-top:12px;font-family:'Instrument Sans',sans-serif;font-style:normal;font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--slate)}

  /* FAQ */
  .faq{display:grid;gap:10px;margin-top:10px}
  .faq details{background:var(--tile);border:1px solid var(--line);border-radius:16px;padding:0 24px;transition:box-shadow .2s ease}
  .faq details[open]{box-shadow:var(--shadow-soft)}
  .faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;font-weight:700;color:var(--navy);font-size:16.5px}
  .faq summary::-webkit-details-marker{display:none}
  .faq summary::after{content:"+";flex:none;width:30px;height:30px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(227,154,28,.14);color:var(--gold-deep);font-weight:700;font-size:20px;transition:transform .2s ease}
  .faq details[open] summary::after{transform:rotate(45deg)}
  .faq details p{color:var(--slate);font-size:15.5px;padding:0 0 22px;max-width:52em}

  /* CTA band */
  .cta-band{position:relative;overflow:hidden;border-radius:var(--r-lg);background:linear-gradient(150deg,#1A3A70 0%,var(--navy) 45%,var(--navy-deep) 100%);box-shadow:var(--shadow-float);padding:64px 58px;display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center;color:#fff}
  .cta-band::after{content:"";position:absolute;right:-120px;top:-120px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(227,154,28,.35),rgba(227,154,28,0) 70%);pointer-events:none}
  .cta-band .kicker{color:var(--gold-soft)}
  .cta-band h2{font-size:clamp(28px,3.4vw,42px);color:#fff;margin-bottom:12px}
  .cta-band p{color:rgba(226,233,245,.82);font-size:17px;max-width:32em}
  .cta-band .ctas{display:flex;flex-wrap:wrap;gap:14px;justify-content:flex-end}

  /* forms */
  .form-card{background:var(--tile);border:1px solid var(--line);border-radius:var(--r-lg);padding:44px 42px;box-shadow:var(--shadow-soft)}
  .form-card h3{font-family:'Fraunces',Georgia,serif;font-weight:520;font-size:26px;color:var(--navy);letter-spacing:-.01em;margin-bottom:6px}
  .form-card>p{color:var(--slate);font-size:15.5px;margin-bottom:26px}
  .fgrid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
  .field{display:flex;flex-direction:column;gap:7px}
  .field.full{grid-column:1/-1}
  .field label{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--navy)}
  .field label span{color:var(--gold-deep)}
  .field input,.field select,.field textarea{
    font:inherit;font-size:16px;color:var(--ink);background:var(--ground);border:1px solid rgba(20,48,95,.16);border-radius:12px;padding:13px 15px;
    transition:border-color .18s ease,box-shadow .18s ease;width:100%;
  }
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(23,126,137,.14)}
  .field textarea{min-height:130px;resize:vertical}
  .field .hint{font-size:13px;color:var(--mist)}
  .choices{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
  .choices label{display:flex;gap:10px;align-items:center;font-size:15px;color:var(--ink);background:var(--ground);border:1px solid rgba(20,48,95,.12);border-radius:12px;padding:11px 13px;cursor:pointer;text-transform:none;letter-spacing:0;font-weight:500}
  .choices label:hover{border-color:rgba(23,126,137,.5)}
  .choices input{width:18px;height:18px;accent-color:var(--teal)}
  .form-foot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;margin-top:26px}
  .form-foot small{color:var(--mist);font-size:13px;max-width:30em}

  .contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
  .info-stack{display:grid;gap:14px}
  .info-item{display:flex;gap:18px;align-items:flex-start;background:var(--tile);border:1px solid var(--line);border-radius:var(--r-md);padding:24px 26px;text-decoration:none;transition:transform .25s cubic-bezier(.2,.6,.2,1),box-shadow .25s ease}
  a.info-item:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft)}
  .info-item .cic{flex:none;width:46px;height:46px;border-radius:13px;display:flex;align-items:center;justify-content:center;background:rgba(227,154,28,.12);border:1px solid rgba(227,154,28,.3)}
  .info-item small{display:block;font-size:11.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:3px}
  .info-item .val{color:var(--navy);font-weight:600;font-size:17px;line-height:1.4;display:block}
  .info-item .sub{color:var(--slate);font-size:14px;display:block;margin-top:4px}
  .map{border-radius:var(--r-md);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow-soft);position:relative;min-height:260px;background:var(--warm)}
  .map iframe{width:100%;height:100%;min-height:260px;border:0;display:block}
  .hours{display:grid;grid-template-columns:1fr auto;gap:8px 24px;font-size:15px;color:var(--ink)}
  .hours span:nth-child(even){color:var(--slate);text-align:right}

  /* referral page: who-refers row */
  .refer-who{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:44px}

  @media (max-width:1000px){
    .split{grid-template-columns:1fr;gap:32px}
    .split.rev>.photo{order:0}
    .split .photo{min-height:280px}
    .cards,.cards.four{grid-template-columns:repeat(2,1fr)}
    .timeline{grid-template-columns:1fr 1fr;gap:28px}
    .svc-layout{grid-template-columns:1fr}
    .svc-side{position:static}
    .facts{grid-template-columns:1fr}
    .cta-band{grid-template-columns:1fr;padding:48px 36px}
    .cta-band .ctas{justify-content:flex-start}
    .contact-grid{grid-template-columns:1fr}
    .refer-who{grid-template-columns:1fr}
    .page-hero .statbar .wrap{grid-template-columns:1fr}
  }
  @media (max-width:640px){
    .cards,.cards.four,.cards.two{grid-template-columns:1fr}
    .timeline{grid-template-columns:1fr}
    .who{grid-template-columns:1fr}
    .fgrid{grid-template-columns:1fr}
    .choices{grid-template-columns:1fr}
    .form-card{padding:30px 22px}
    .page-hero .hero-inner{padding-top:120px}
    .page-hero .hero-copy{padding-bottom:44px}
    .cta-band{padding:40px 26px}
  }

  /* about page: hero image */
  .about-hero{position:relative;height:clamp(440px,72vh,720px);overflow:hidden;background:var(--navy-deep)}
  .about-hero .hero-img{position:absolute;inset:0}
  .about-hero .hero-img img{width:100%;height:100%;object-fit:cover;object-position:center 22%}
  .about-hero .hero-img::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(10,24,46,.62) 0%,rgba(10,24,46,.05) 45%,rgba(10,24,46,.35) 100%);pointer-events:none}
  .about-hero .cr-ui{position:absolute;left:0;right:0;bottom:0;z-index:2}
  .about-hero .cr-ui .wrap{padding-bottom:28px}
  .about-hero .crumbs{margin:0}

  /* about page: narrative body */
  .about-body{padding:96px 0 90px}
  .about-body .wrap{max-width:880px}
  .about-body h1{font-size:clamp(30px,3.8vw,46px);color:var(--navy);margin:14px 0 22px;line-height:1.1}
  .about-body h2{font-size:clamp(24px,2.6vw,32px);color:var(--navy);margin:52px 0 12px;padding-top:28px;border-top:1px solid var(--line)}
  .about-body p{color:var(--slate);font-size:17.5px;line-height:1.7;margin-bottom:18px}
  .about-body p:last-child{margin-bottom:0}
  .about-body p.intro-p{font-size:19px;color:var(--ink)}
  .about-body p strong{color:var(--navy)}
  .about-body p a{font-weight:600}
  .why{list-style:none;display:grid;gap:12px;margin:18px 0 30px}
  .why li{display:flex;gap:18px;align-items:flex-start;padding:22px 24px;background:var(--tile);border:1px solid var(--line);border-radius:18px;transition:box-shadow .25s ease,transform .25s ease}
  .why li:hover{box-shadow:var(--shadow-soft);transform:translateY(-2px)}
  .why li .n{flex:none;font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:30px;line-height:1;color:transparent;-webkit-text-stroke:1.5px rgba(227,154,28,.6);margin-top:2px}
  .why li b{display:block;color:var(--navy);font-size:17.5px;font-weight:700;margin-bottom:4px;letter-spacing:-.01em}
  .why li div>span{color:var(--slate);font-size:15.5px;line-height:1.6}

  /* about page: contact rows + social */
  .about-contact{background:var(--warm);padding:72px 0 76px}
  .about-contact .wrap{max-width:880px}
  .ac-rows{display:grid;grid-template-columns:.9fr 1.3fr .8fr;gap:14px}
  .ac-row{display:flex;align-items:center;gap:14px;padding:18px 20px;background:var(--tile);border:1px solid var(--line);border-radius:18px;text-decoration:none;color:var(--ink);transition:box-shadow .25s ease,transform .25s ease}
  .ac-row:hover{box-shadow:var(--shadow-soft);transform:translateY(-2px)}
  .ac-row .cic{flex:none;width:46px;height:46px;border-radius:14px;background:rgba(227,154,28,.14);border:1px solid rgba(227,154,28,.3);color:var(--gold-deep);display:flex;align-items:center;justify-content:center}
  .ac-row small{display:block;font-size:11.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--mist)}
  .ac-row .val{display:block;color:var(--navy);font-weight:700;font-size:16px;line-height:1.35;word-break:break-word}
  @media (max-width:1000px){
    .ac-rows{grid-template-columns:1fr}
  }
  @media (max-width:640px){
    .about-hero{height:clamp(360px,60vh,520px)}
    .about-hero .cr-ui .wrap{padding-bottom:20px}
    .about-body{padding:64px 0 60px}
    .about-body h2{margin-top:40px;padding-top:22px}
    .why li{padding:18px;gap:14px}
    .about-contact{padding:56px 0}
  }