:root{--navy:#0f2a3f;--navy2:#143a52;--green:#1f5a4a;--accent:#d4a24c;--ink:#1c2630;--muted:#5a6773;--bg:#f7f5f0;--card:#fff;--line:#e4e0d6}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:72px}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;line-height:1.2;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(2.1rem,6vw,3.6rem);color:#fff}h2{font-size:clamp(1.7rem,4vw,2.5rem)}h3{font-size:1.25rem}
a{color:var(--green)}.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
header{position:sticky;top:0;z-index:50;background:rgba(15,42,63,.97);backdrop-filter:blur(6px)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700}
.brand img{width:32px;height:32px}
.nav ul{display:none;list-style:none;margin:0;padding:0;gap:22px}
.nav ul a{color:#dfe7ee;text-decoration:none;font-size:.92rem}.nav ul a:hover{color:var(--accent)}
.btn{display:inline-block;padding:13px 24px;border-radius:999px;font-weight:600;text-decoration:none;font-size:.98rem;transition:.2s}
.btn-gold{background:var(--accent);color:var(--navy)}.btn-gold:hover{background:#e3b764}
.btn-ghost{border:1.5px solid rgba(255,255,255,.6);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-sm{padding:8px 16px;font-size:.88rem}
.hero{background:radial-gradient(ellipse at 80% 0%,var(--green),transparent 60%),linear-gradient(160deg,var(--navy),var(--navy2));color:#dfe7ee;padding:80px 0 96px}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;color:var(--accent);font-weight:600;margin-bottom:14px}
.hero p.lead{font-size:1.15rem;max-width:680px}.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
section{padding:72px 0}.alt{background:#fff}
.grid{display:grid;gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px;transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(15,42,63,.08)}
.card .ico{width:44px;height:44px;border-radius:10px;background:var(--navy);color:var(--accent);display:grid;place-items:center;font-weight:700;margin-bottom:14px;font-family:"Playfair Display",serif}
.card p{color:var(--muted);margin:0 0 12px;font-size:.96rem}.card a{font-weight:600;text-decoration:none}
.svc{display:grid;gap:30px}
.svc ul{padding:0;list-style:none;margin:0}
.svc li{position:relative;padding-left:28px;margin-bottom:10px}
.svc li:before{content:"";position:absolute;left:0;top:.6em;width:12px;height:2px;background:var(--accent)}
.who{background:var(--navy);color:#dfe7ee;border-radius:14px;padding:22px 24px;margin-top:22px;font-size:.96rem}
.who strong{color:var(--accent);display:block;margin-bottom:4px;text-transform:uppercase;letter-spacing:.1em;font-size:.76rem}
.alt .who{background:var(--green)}
ol.steps{list-style:none;padding:0;margin:30px 0 0;display:grid;gap:18px;counter-reset:s}
ol.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px 22px 22px 74px;position:relative}
ol.steps li:before{content:counter(s,decimal-leading-zero);position:absolute;left:20px;top:20px;font-family:"Playfair Display",serif;font-size:1.6rem;color:var(--accent);font-weight:700}
ol.steps b{color:var(--navy)}
.why{background:linear-gradient(160deg,var(--green),var(--navy));color:#e6efe9;text-align:center}
.why h2{color:#fff}.why p{font-size:1.2rem;max-width:760px;margin:0 auto}
.contact{text-align:center}.contact .btn-gold{margin-top:10px}
footer{background:var(--navy);color:#9fb0bf;font-size:.88rem;padding:28px 0;text-align:center}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px}
@media(min-width:720px){.grid{grid-template-columns:repeat(2,1fr)}ol.steps{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.nav ul{display:flex}.grid{grid-template-columns:repeat(4,1fr)}ol.steps{grid-template-columns:repeat(3,1fr)}.svc{grid-template-columns:1.1fr 1fr;align-items:start}.hero{padding:110px 0 120px}section{padding:96px 0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

.quote-band{background:linear-gradient(135deg,#1f4e8c,#163a69);color:#fff;text-align:center;padding:64px 0}
.quote-band .qb-main{font-family:"Playfair Display",Georgia,serif;font-size:clamp(2rem,5vw,3.2rem);margin:0 0 12px;font-weight:700}
.quote-band .qb-sub{font-size:clamp(1.05rem,2.2vw,1.3rem);opacity:.92;margin:0 auto 28px;max-width:640px}
.tax-tag{font-style:italic;font-size:1.15rem;color:#b8892d;margin:-4px 0 16px}