:root{--navy:#0a3158;--navy2:#082844;--gold:#c9984b;--cream:#f8f5ef;--ink:#26384a;--muted:#66788a;--line:#e8e1d6}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.08;margin-top:0}h1{font-size:clamp(2.45rem,5vw,4.8rem)}h2{font-size:clamp(2rem,3vw,3.2rem)}h3{font-size:1.35rem}.container{width:min(1180px,92%);margin:auto}.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid #eee}.nav{height:88px;display:flex;align-items:center;gap:28px}.logo{width:300px;height:72px;object-fit:contain;object-position:left center;display:block;flex-shrink:0}.links{margin-left:auto;display:flex;align-items:center;gap:23px}.links a{font-size:.9rem;color:var(--navy);text-decoration:none}.btn{display:inline-block;background:var(--gold);color:white!important;padding:13px 22px;border-radius:4px;text-decoration:none;font-weight:700;border:0;cursor:pointer}.btn.alt{background:white;color:var(--navy)!important;border:1px solid var(--gold)}.menu{display:none;margin-left:auto;background:none;border:0;font-size:1.6rem}.hero{background:linear-gradient(90deg,#f9faf9 0%,#fff 55%);padding:54px 0}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}.eyebrow{letter-spacing:.22em;text-transform:uppercase;color:var(--navy);font-size:.78rem;font-weight:700}.hero p{font-size:1.12rem;max-width:650px}.hero img{width:100%;height:430px;object-fit:cover;border-radius:2px}.tagline{font-family:Georgia,serif;font-style:italic;color:var(--navy);font-size:1.45rem}.section{padding:72px 0}.section.soft{background:#f6f8fa}.section.cream{background:var(--cream)}.center{text-align:center}.lead{max-width:820px;margin:0 auto 35px;color:var(--muted);font-size:1.05rem}.grid-3,.grid-4,.grid-5{display:grid;gap:24px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.grid-5{grid-template-columns:repeat(5,1fr)}.card{background:white;border:1px solid var(--line);padding:28px;border-radius:8px;box-shadow:0 5px 18px rgba(20,40,60,.04)}.icon{width:50px;height:50px;border-radius:50%;background:#f7efe2;color:var(--gold);display:grid;place-items:center;font-size:1.5rem;margin-bottom:15px}.steps{counter-reset:step}.step{position:relative;padding-top:50px}.step:before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:700}.split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}.split img{width:100%;max-height:470px;object-fit:cover}.checklist{list-style:none;padding:0}.checklist li{margin:11px 0;padding-left:28px;position:relative}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--gold);font-weight:bold}.calc{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.calc .box{background:white;border:1px solid var(--line);padding:22px;text-align:center;border-radius:7px}.calc input,.calc select{width:100%;padding:12px;border:1px solid #ccd4dc;border-radius:4px;font-size:1rem}.result{font-size:2rem;font-family:Georgia,serif;color:var(--navy);font-weight:bold}.notice{font-size:.82rem;color:var(--muted)}.cta{background:var(--navy);color:white;text-align:center;padding:58px 0}.cta h2,.cta p{color:white}.footer{background:#061f35;color:#dbe4eb;padding:36px 0}.footer-grid{display:flex;justify-content:space-between;gap:30px}.footer a{color:#fff}.form{display:grid;gap:14px}.form input,.form textarea,.form select{width:100%;padding:13px;border:1px solid #ccd4dc;border-radius:4px;font:inherit}.form textarea{min-height:130px}.badge{display:inline-block;padding:6px 10px;background:#f7efe2;color:#8b642d;border-radius:20px;font-size:.8rem}.founder{border-radius:6px;max-height:520px!important;object-fit:cover!important;object-position:center 30%!important}.kpi{font-size:2.2rem;color:var(--navy);font-family:Georgia,serif}.small{font-size:.88rem;color:var(--muted)}@media(max-width:900px){.links{display:none;position:absolute;top:88px;left:0;right:0;background:white;padding:25px;flex-direction:column;border-bottom:1px solid #ddd}.links.open{display:flex}.menu{display:block}.hero-grid,.split{grid-template-columns:1fr}.hero img{height:320px}.grid-5{grid-template-columns:repeat(2,1fr)}.grid-4,.grid-3{grid-template-columns:repeat(2,1fr)}.calc{grid-template-columns:1fr 1fr}.logo{width:245px;height:64px}}@media(max-width:560px){.grid-5,.grid-4,.grid-3,.calc{grid-template-columns:1fr}.hero{padding:38px 0}.section{padding:52px 0}.nav{height:78px}.links{top:78px}.footer-grid{flex-direction:column}}

/* FAQ */
.faq-hero{background:linear-gradient(120deg,#f8f5ef 0%,#fff 68%);padding:72px 0 66px;border-bottom:1px solid var(--line)}.faq-hero-inner{max-width:900px}.faq-hero h1{max-width:850px;margin:12px 0 18px}.faq-hero p{font-size:1.12rem;color:var(--muted);max-width:760px;margin:0 0 28px}.faq-layout{display:grid;grid-template-columns:320px 1fr;gap:58px;align-items:start}.faq-aside{position:sticky;top:118px}.faq-aside h2{font-size:2.25rem;margin:16px 0 14px}.faq-aside>p{color:var(--muted)}.faq-note{margin-top:28px;padding:24px;background:var(--cream);border-left:3px solid var(--gold);border-radius:5px}.faq-note p{margin:7px 0 12px;color:var(--muted)}.faq-note a{color:var(--navy);font-weight:700;text-decoration:none}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line);padding:0}.faq-list summary{list-style:none;cursor:pointer;padding:24px 48px 24px 4px;font-family:Georgia,'Times New Roman',serif;font-size:1.28rem;font-weight:700;color:var(--navy);position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';position:absolute;right:8px;top:19px;color:var(--gold);font-family:Arial,sans-serif;font-size:1.8rem;font-weight:400}.faq-list details[open] summary:after{content:'–'}.faq-list details p{margin:-4px 48px 24px 4px;color:var(--muted);max-width:780px}.faq-list details[open]{background:linear-gradient(90deg,#fff 0%,#fcfaf6 100%)}@media(max-width:900px){.faq-layout{grid-template-columns:1fr;gap:32px}.faq-aside{position:static}.faq-hero{padding:52px 0}.links{gap:16px}}

/* Header brand lockup - text rendered separately to prevent logo clipping */
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;flex:0 0 auto;min-width:315px}
.brand-mark{width:68px;height:68px;object-fit:contain;display:block;flex:0 0 68px}
.brand-words{display:flex;flex-direction:column;align-items:center;line-height:1;white-space:nowrap}
.brand-name{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-weight:700;font-size:27px;letter-spacing:-.6px}
.brand-partners{font-family:Georgia,'Times New Roman',serif;color:var(--gold);font-weight:600;font-size:13px;letter-spacing:7px;margin-top:6px;padding-left:7px}
@media(max-width:1050px){.brand{min-width:270px}.brand-mark{width:58px;height:58px;flex-basis:58px}.brand-name{font-size:23px}.brand-partners{font-size:11px;letter-spacing:6px}.links{gap:16px}}
@media(max-width:900px){.brand{min-width:0}.brand-mark{width:56px;height:56px;flex-basis:56px}.brand-name{font-size:22px}.brand-partners{font-size:10px;letter-spacing:5.5px}}
@media(max-width:480px){.brand-mark{width:48px;height:48px;flex-basis:48px}.brand-name{font-size:18px}.brand-partners{font-size:9px;letter-spacing:4px}}