:root{
  --navy:#0E1B1E; --navy2:#132428; --paper:#F5F7F7; --bone:#FFFFFF;
  --ink:#20282A; --mist:#596366; --line:#E1E7E7; --lineD:rgba(255,255,255,.14);
  --teal:#0A5A6B;        /* accent on light surfaces */
  --tealD:#084B59;       /* button fill */
  --tealL:#4FC7E0;       /* accent on dark surfaces */
  --coral:#DE8163;
  --serif:'Cormorant Garamond',Georgia,serif;
  --sans:'Lato',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bone);color:var(--ink);font-family:var(--sans);
  font-size:17px;line-height:1.72;font-weight:400;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;margin:0;line-height:1.1}
h1{font-size:clamp(38px,5.4vw,74px);letter-spacing:-.01em}
h2{font-size:clamp(30px,3.6vw,50px)}
h3{font-size:clamp(21px,2vw,27px)}
p{margin:0 0 18px}
.wrap{width:100%;max-width:1220px;margin:0 auto;padding-left:34px;padding-right:34px}
.narrow{max-width:880px}
.eyebrow{font-size:12.5px;letter-spacing:.22em;text-transform:uppercase;
  font-weight:700;color:var(--teal);margin:0 0 18px}
.eyebrow.on-dark{color:var(--tealL)}
.sec{padding:104px 0}
.sec-dark{background:var(--navy);color:#EDF2F2}
.sec-dark h2,.sec-dark h3{color:#fff}
.sec-dark p{color:#C3CDCE}
.sec-light{background:var(--paper)}
.sec-white{background:var(--bone)}
.sec-dark+.sec-dark,.sec-light+.sec-light,.sec-white+.sec-white{padding-top:0}
.lede{font-size:clamp(18px,1.5vw,21px);color:var(--mist);max-width:660px}
.sec-dark .lede{color:#B6C1C3}
em{font-style:normal;color:var(--teal)}
.sec-dark em{color:var(--tealL)}
strong{font-weight:700}

/* ---------- preview banner (hardcoded dark, never token-driven) ---------- */
.pv-banner{background:#0A1416;color:#E7EEEF;font-size:14px;text-align:center;
  padding:13px 20px;display:flex;gap:16px;align-items:center;justify-content:center;
  flex-wrap:wrap;position:relative;z-index:60}
.pv-banner b{color:#fff}
.pv-cta{background:var(--tealL);color:#07171B;text-decoration:none;font-weight:700;
  font-size:14px;letter-spacing:.04em;padding:11px 20px;border-radius:3px;
  min-height:44px;display:inline-flex;align-items:center}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:50;background:rgba(9,20,22,.92);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--lineD)}
.nav.on-light{background:#0A1416}
.nav-in{display:flex;align-items:center;gap:18px;height:82px}
.brand{display:flex;align-items:center;gap:16px;min-height:44px;text-decoration:none;flex:0 0 auto}
.brand img{height:26px;width:auto}
.brand .bn{font-family:var(--serif);font-size:19px;color:#fff;line-height:1.1}
.brand .br{font-size:10.5px;letter-spacing:.15em;text-transform:uppercase;color:#8FA2A5}
.nav-sep{width:1px;height:34px;background:var(--lineD)}
.nav-links{margin-left:auto;display:flex;align-items:center;gap:4px}
.nav-links a{min-width:40px;justify-content:center;white-space:nowrap;color:#DCE5E6;text-decoration:none;font-size:14.5px;padding:12px 11px;
  min-height:44px;display:inline-flex;align-items:center;border-radius:3px}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.07)}
.nav-links a.active{color:var(--tealL)}
.nav-cta{white-space:nowrap;background:var(--tealL);color:#07171B !important;font-weight:700;
  letter-spacing:.03em;padding:13px 18px !important;border-radius:3px;margin-left:10px}
.nav-cta:hover{background:#6ED3E8 !important}
.drop{position:relative}
.drop-panel{position:absolute;top:calc(100% + 10px);left:-10px;background:#0F2226;
  border:1px solid var(--lineD);border-radius:5px;min-width:290px;padding:10px;
  display:none;box-shadow:0 24px 60px rgba(0,0,0,.5)}
.drop:hover .drop-panel,.drop:focus-within .drop-panel{display:block}
.drop-panel a{display:block;font-size:14.5px;padding:11px 13px;color:#D3DEDF}
.burger{display:none;margin-left:auto;flex:0 0 46px;min-width:46px;width:46px;height:46px;border:1px solid var(--lineD);
  background:transparent;border-radius:4px;align-items:center;justify-content:center;
  flex-direction:column;gap:5px;cursor:pointer;padding:0}
.burger span{display:block;width:20px;height:1.5px;background:#fff}
.mobile-nav{position:fixed;inset:0;background:#0A1416;z-index:100;display:none;
  flex-direction:column;padding:26px 28px 40px;overflow-y:auto}
.mobile-nav.open{display:flex}
.mn-close{align-self:flex-end;width:48px;height:48px;background:transparent;color:#fff;
  border:1px solid var(--lineD);border-radius:4px;font-size:24px;cursor:pointer;line-height:1}
.mobile-nav a{color:#EDF2F2;text-decoration:none;font-family:var(--serif);font-size:27px;
  padding:14px 0;min-height:52px;display:flex;align-items:center;border-bottom:1px solid rgba(255,255,255,.08)}
.mobile-nav .mn-sub{font-family:var(--sans);font-size:16px;padding-left:16px;color:#AFBDBF}
.mobile-nav .mn-foot{margin-top:26px;color:#8FA2A5;font-size:15px}
.mobile-nav .mn-foot a{font-family:var(--sans);font-size:17px;border:0;color:var(--tealL)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;
  padding:15px 30px;background:var(--tealD);color:#fff;text-decoration:none;
  font-weight:700;font-size:15px;letter-spacing:.05em;text-indent:.05em;border-radius:3px;
  border:1px solid var(--tealD);cursor:pointer;font-family:var(--sans)}
.btn:hover{background:#0A6B7D;border-color:#0A6B7D}
.btn.ghost{background:transparent;color:var(--teal);border-color:rgba(10,90,107,.4)}
.btn.ghost:hover{background:rgba(10,90,107,.07)}
.sec-dark .btn{background:var(--tealL);color:#07171B;border-color:var(--tealL)}
.sec-dark .btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btns{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}

/* ---------- hero ---------- */
header.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
header.hero .hero-bg{position:absolute;inset:0}
header.hero .hero-bg img{width:100%;height:100%;object-fit:cover;object-position:74% 28%;
  animation:drift 30s ease-in-out infinite alternate}
@keyframes drift{from{transform:scale(1.04)}to{transform:scale(1.12)}}
header.hero .scrim{position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(8,17,19,.96) 0%,rgba(8,17,19,.9) 40%,rgba(8,17,19,.55) 66%,rgba(8,17,19,.35) 100%)}
header.hero .scrim2{position:absolute;inset:0;
  background:linear-gradient(to top,rgba(8,17,19,.85),rgba(8,17,19,0) 45%)}
header.hero .hero-in{position:relative;z-index:2;padding-top:118px;padding-bottom:96px;max-width:820px}
header.hero h1{color:#fff}
header.hero h1 span{color:var(--tealL);display:block}
header.hero .lede{color:#CFD9DA;margin-top:26px}
.hero-strip{position:relative;z-index:2;border-top:1px solid var(--lineD);
  background:rgba(8,17,19,.62);backdrop-filter:blur(4px)}
.hero-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;
  padding-top:0;padding-bottom:0}
.hero-strip .f{padding:26px 22px 26px 0}
.hero-strip .fv{font-family:var(--serif);font-size:26px;color:#fff;line-height:1.2}
.hero-strip .fl{font-size:12px;letter-spacing:.15em;text-transform:uppercase;color:#93A5A8;margin-top:5px}

/* page hero (interior pages) */
header.phero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
header.phero:before{content:"";position:absolute;top:-40%;right:-12%;width:620px;height:620px;
  border-radius:50%;background:radial-gradient(circle,rgba(79,199,224,.16),rgba(79,199,224,0) 70%)}
header.phero .wrap{position:relative;padding-top:92px;padding-bottom:78px}
header.phero h1{font-size:clamp(34px,4.6vw,62px);color:#fff;max-width:900px}
header.phero .lede{color:#C3CDCE;margin-top:22px}
.crumb{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:#8FA2A5;margin-bottom:20px}
a.tlink{color:#0A5A6B;font-weight:700;display:inline-flex;align-items:center;min-height:40px;min-width:44px}
.crumb a{color:var(--tealL);text-decoration:none;display:inline-flex;align-items:center;min-height:40px;min-width:44px}

/* ---------- layout helpers ---------- */
.grid2{display:grid;grid-template-columns:1.05fr .95fr;gap:70px;align-items:center}
.head{max-width:760px;margin-bottom:52px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.cards.c2{grid-template-columns:repeat(2,1fr)}
.cards.c4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--bone);border:1px solid var(--line);border-radius:6px;padding:32px 28px}
.sec-white .card{background:var(--paper)}
.sec-dark .card{background:#17292D;border-color:var(--lineD)}
.card h3{margin-bottom:12px}
.card p{color:var(--mist);margin:0;font-size:16px}
.sec-dark .card p{color:#B6C1C3}
.sec-dark .stars,.cta .stars{color:var(--coral)}
.sec-dark .num,.cta .num,header.hero .num,header.phero .num{color:var(--coral)}
.card a.more{display:inline-flex;align-items:center;min-height:44px;margin-top:10px;
  color:var(--teal);text-decoration:none;font-weight:700;font-size:14.5px;letter-spacing:.04em}
.num{font-family:var(--serif);font-size:15px;letter-spacing:.16em;color:#A34A26;
  display:block;margin-bottom:14px}
.portrait{position:relative}
.portrait .fr{aspect-ratio:2/3;border-radius:6px;overflow:hidden;background:var(--paper)}
.portrait .fr img{width:100%;height:100%;object-fit:cover;object-position:50% 42%}
.portrait .badge{position:absolute;bottom:-22px;left:-22px;background:#fff;border:1px solid var(--line);
  border-radius:6px;padding:16px 20px;box-shadow:0 18px 40px rgba(12,30,34,.14)}
.portrait .badge img{height:52px;width:auto}
.sq{aspect-ratio:1/1;border-radius:6px;overflow:hidden}
.sq img{width:100%;height:100%;object-fit:cover}

/* list with rules */
.rows{border-top:1px solid var(--line)}
.sec-dark .rows{border-color:var(--lineD)}
.row{display:grid;grid-template-columns:230px 1fr;gap:34px;padding:28px 0;
  border-bottom:1px solid var(--line)}
.sec-dark .row{border-color:var(--lineD)}
.row h3{font-size:23px}
.row p{margin:0;color:var(--mist)}
.sec-dark .row p{color:#B6C1C3}

/* quotes */
.quotes{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.q{background:#17292D;border:1px solid var(--lineD);border-radius:6px;padding:34px 30px}
.sec-light .q,.sec-white .q{background:var(--bone);border-color:var(--line)}
.q .mark{font-family:var(--serif);font-size:46px;line-height:.6;color:var(--tealL);display:block;margin-bottom:16px}
.sec-light .q .mark,.sec-white .q .mark{color:var(--teal)}
.q p{font-family:var(--serif);font-size:20px;line-height:1.55;color:#E4EBEC}
.sec-light .q p,.sec-white .q p{color:var(--ink)}
.q .by{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:#93A5A8}
.sec-light .q .by,.sec-white .q .by{color:var(--mist)}
.stars{color:#B0522C;letter-spacing:.18em;font-size:15px;margin-bottom:10px}

/* compliance band */
.band{background:#0A1416;color:#B9C4C6;padding:34px 0;font-size:14.5px}
.band .wrap{display:flex;gap:28px;align-items:center;flex-wrap:wrap}
.band img.lg{height:26px;width:auto}
.band img.eho{height:38px;width:auto}
.band p{margin:0;max-width:820px;color:#B9C4C6}

/* accordion */
.acc{border-top:1px solid var(--line)}
.acc details{border-bottom:1px solid var(--line)}
.acc summary{cursor:pointer;list-style:none;padding:24px 0;font-family:var(--serif);
  font-size:22px;display:flex;justify-content:space-between;gap:20px;align-items:center;min-height:52px}
.acc summary::-webkit-details-marker{display:none}
.acc summary:after{content:"+";color:var(--teal);font-family:var(--sans);font-size:22px}
.acc details[open] summary:after{content:"\2013"}
.acc .ans{padding:0 0 24px;color:var(--mist);max-width:840px}

/* forms */
.form{background:var(--bone);border:1px solid var(--line);border-radius:6px;padding:36px}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{display:block;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;
  font-weight:700;color:var(--mist);margin:0 0 8px}
input,select,textarea{width:100%;padding:14px 16px;font-size:16px;font-family:var(--sans);
  border:1px solid var(--line);border-radius:4px;background:#fff;color:var(--ink);min-height:50px}
textarea{min-height:130px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid rgba(10,90,107,.35);border-color:var(--teal)}
.fld{margin-bottom:18px}
.fine{font-size:14px;color:var(--mist)}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1.02fr;gap:34px;align-items:start}
.calc-panel{background:var(--bone);border:1px solid var(--line);border-radius:8px;padding:34px}
.calc-out{background:var(--navy);color:#fff;border-radius:8px;padding:36px;border:1px solid #1C3237}
.pay{font-family:var(--serif);font-size:clamp(44px,6vw,68px);line-height:1;color:#fff}
.pay-l{font-size:12.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--tealL);margin-bottom:14px}
.break{margin-top:30px;border-top:1px solid var(--lineD)}
.break .r{display:flex;justify-content:space-between;gap:18px;padding:13px 0;
  border-bottom:1px solid var(--lineD);font-size:15.5px;color:#C3CDCE}
.break .r b{color:#fff;font-weight:700}
.break .r.tot{font-size:17px}
.bar{display:flex;height:10px;border-radius:6px;overflow:hidden;margin-top:26px;background:#1C3237}
.bar i{display:block;height:100%}
.legend{display:flex;gap:20px;flex-wrap:wrap;margin-top:14px;font-size:13.5px;color:#A9B6B8}
.legend span{display:inline-flex;align-items:center;gap:8px}
.dot{width:10px;height:10px;border-radius:50%;display:inline-block}
.tabs{display:flex;gap:8px;margin-bottom:26px;flex-wrap:wrap}
.tab{background:var(--paper);border:1px solid var(--line);border-radius:3px;padding:12px 18px;
  min-height:44px;font-size:14.5px;font-weight:700;letter-spacing:.03em;cursor:pointer;
  font-family:var(--sans);color:var(--mist)}
.tab.on{background:var(--tealD);border-color:var(--tealD);color:#fff}
.amort{width:100%;border-collapse:collapse;font-size:15px;margin-top:8px}
.amort th,.amort td{text-align:right;padding:11px 10px;border-bottom:1px solid var(--line)}
.amort th:first-child,.amort td:first-child{text-align:left}
.amort th{font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--mist);font-weight:700}
.magnet{background:#17292D;border:1px solid var(--lineD);border-radius:8px;padding:30px;color:#DCE5E6;margin-top:22px}
.magnet h3{color:#fff;margin-bottom:10px}
.magnet p{color:#B6C1C3;font-size:16px}
.magnet input{background:#0E1F23;border-color:rgba(255,255,255,.18);color:#fff}
.magnet label{color:#93A5A8}
.msg{margin-top:14px;font-size:15px;color:var(--tealL)}

/* cta band */
.cta{background:var(--navy);color:#fff;text-align:center;padding:104px 0}
.cta h2{color:#fff;max-width:820px;margin:0 auto}
.cta p{color:#C3CDCE;max-width:620px;margin:20px auto 0}
.cta .btns{justify-content:center}
.cta .btn{background:var(--tealL);color:#07171B;border-color:var(--tealL)}
.cta .btn.ghost,header.hero .btn.ghost,header.phero .btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
header.hero .btn,header.phero .btn{background:var(--tealL);color:#07171B;border-color:var(--tealL)}
.cta .btn.ghost:hover{background:rgba(255,255,255,.08)}

/* footer */
.foot{background:#0A1416;color:#9FADAF;padding:74px 0 34px;font-size:15px}
.foot a{color:#D3DEDF;text-decoration:none}
.foot a:hover{color:#fff}
.foot-g{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.foot h4{color:#fff;font-family:var(--sans);font-size:12.5px;letter-spacing:.16em;
  text-transform:uppercase;margin:0 0 18px}
.foot img.lg{height:24px;width:auto;margin-bottom:20px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin-bottom:2px}
.foot li a{display:inline-flex;align-items:center;min-height:40px;min-width:44px}
.foot p a{display:inline-flex;align-items:center;min-height:40px;min-width:44px;overflow-wrap:anywhere}
.foot .legal{margin-top:52px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1);
  font-size:13.5px;color:#7F8E91;line-height:1.7}

/* ---------- responsive ---------- */
@media (max-width:1240px){
  .brand .br{display:none}
  .brand .bn{font-size:17px}
}
@media (max-width:1080px){
  .nav-links{display:none}
  .burger{display:flex}
  .cards,.cards.c4{grid-template-columns:repeat(2,1fr)}
  .grid2{grid-template-columns:1fr;gap:44px}
  .calc{grid-template-columns:1fr}
  .foot-g{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .sec{padding:74px 0}
  .cta{padding:74px 0}
  header.hero .hero-bg img{animation:none}
  .hero-strip .wrap{grid-template-columns:1fr 1fr}
  .hero-strip .f{padding:20px 16px 20px 0}
  .quotes{grid-template-columns:1fr}
  .row{grid-template-columns:1fr;gap:10px}
  .portrait .badge{left:auto;right:14px;bottom:-18px}
}
@media (max-width:600px){
  body{font-size:16.5px}
  .brand{gap:10px;min-width:0}
  .brand img{height:20px}
  .brand .bn,.brand .br,.nav-sep{display:none}
  .nav-in{gap:10px;height:70px}
  .wrap{padding-left:20px;padding-right:20px}
  header.hero .hero-in{padding-top:64px;padding-bottom:64px}
  header.phero .wrap{padding-top:56px;padding-bottom:52px}
  .cards,.cards.c2,.cards.c4{grid-template-columns:1fr}
  .foot-g{grid-template-columns:1fr;gap:34px}
  .form,.calc-panel,.calc-out{padding:24px 20px}
  .f2{grid-template-columns:1fr}
  .btns .btn{width:100%}
  .amort th,.amort td{padding:9px 6px;font-size:14px}
}
@media (max-width:420px){
  .band .wrap{gap:18px}
  .foot .legal{font-size:13.5px}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important}
  html{scroll-behavior:auto}
}