:root{
  --navy-dark:#122240; --navy:#1F3A5F; --navy-2:#17304F; --ink-navy:#0E1C34;
  --gold:#C9A227; --gold-light:#E8C95E; --sage:#9CAF88;
  --cream:#F1EBDD; --cream-2:#E7DFCD; --ink:#2B3440; --muted:#9DB0CC; --muted-cream:#7A7061;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,Arial,sans-serif;color:#E7EDF6;background:var(--navy-dark);font-size:18px;line-height:1.7;-webkit-font-smoothing:antialiased}
.serif{font-family:'Cormorant Garamond',Georgia,serif}
h1,h2,h3{font-family:'Cormorant Garamond',Georgia,serif;font-weight:500;letter-spacing:.005em}
.wrap{max-width:1180px;margin:0 auto;padding:0 36px}
a{color:var(--gold-light);text-decoration:none}
.eyebrow{font-family:'Poppins';font-weight:600;letter-spacing:.28em;text-transform:uppercase;font-size:11.5px;color:var(--gold)}
.btn{display:inline-flex;align-items:center;gap:9px;font-family:'Poppins';font-weight:600;border-radius:999px;padding:15px 34px;font-size:15px;min-height:46px;cursor:pointer;border:1px solid transparent;transition:.2s;line-height:1;letter-spacing:.02em}
.btn-gold{background:var(--gold);color:var(--ink-navy)}
.btn-gold:hover{background:var(--gold-light)}
.btn-ghost{background:transparent;border-color:rgba(231,237,246,.35);color:#fff}
.btn-ghost:hover{border-color:var(--gold-light);color:var(--gold-light)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2)}
.pv{background:#0b1730;color:#8ea3c2;font-size:12px;text-align:center;padding:7px 12px;letter-spacing:.03em}
.flag{background:#3a3413;color:var(--gold-light);padding:4px 8px;border-radius:5px;font-size:12px}
.arch{border-radius:4px;overflow:hidden}
.line{width:56px;height:1.5px;background:var(--gold);opacity:.8;margin:0 0 22px}

/* header */
.top{position:absolute;top:0;left:0;right:0;z-index:30}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:104px;max-width:none;padding:0 44px}
.top .logo img{height:58px;display:block}
.top nav{display:flex;gap:34px;align-items:center}
.top nav a{font-family:'Poppins';font-weight:500;font-size:14.5px;color:#dfe7f2;letter-spacing:.02em}
.top nav a:hover{color:var(--gold-light)}
.top .phone{color:#fff}
.top .btn{padding:11px 22px}
.hamb{display:none}

/* hero */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;overflow:hidden;background:var(--navy-dark)}
.hero .bg{position:absolute;inset:0;z-index:0}
.hero .wrap{position:relative;z-index:5;display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center;padding-top:60px}
.hero .eyebrow{color:var(--gold-light)}
.hero h1{font-weight:500;font-size:clamp(54px,8vw,104px);line-height:.98;margin:20px 0 18px;color:#fff}
.hero h1 em{font-style:italic;color:var(--gold-light)}
.hero p{font-family:'Inter';font-size:clamp(17px,1.9vw,20px);color:#cdd8ea;max-width:40ch;margin-bottom:32px}
.hero .row{display:flex;gap:14px;flex-wrap:wrap}
.hero .micro{margin-top:30px;display:flex;gap:22px;flex-wrap:wrap;font-size:14px;color:#a9bad4}
.hero .micro span{display:flex;gap:8px;align-items:center}
.hero .micro b{color:var(--gold-light)}
.hero .heroimg{position:relative;aspect-ratio:4/5;max-height:600px;margin-left:auto;width:100%;max-width:420px;border:1px solid rgba(201,162,39,.4)}
.hero .heroimg img{width:100%;height:100%;object-fit:cover}

/* cream / navy sections */
section{position:relative;overflow:hidden}
.pad{padding:130px 0}
.cream{background:var(--cream);color:var(--ink)}
.cream h2{color:var(--navy)}
.cream .muted{color:var(--muted-cream)}
.navy{background:var(--navy-dark)}
.navy2{background:var(--navy)}

/* intro */
.intro .wrap{display:grid;grid-template-columns:1fr 1fr;gap:76px;align-items:center}
.sect-eyebrow{display:block;margin-bottom:14px}
h2{font-size:clamp(34px,4.4vw,58px);line-height:1.06;font-weight:500}
.lead{font-family:'Inter';font-size:19px;margin:22px 0 0;max-width:46ch}
.intro .imgwrap{aspect-ratio:4/5;max-width:440px;position:relative}
.intro .imgwrap img{width:100%;height:100%;object-fit:cover}
.intro .tagchip{position:absolute;left:18px;bottom:18px;background:var(--gold);color:var(--ink-navy);font-family:'Poppins';font-weight:600;font-size:13px;padding:8px 16px;border-radius:999px}

/* stats */
.stats .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:0;text-align:center}
.stats .c{padding:20px 30px}
.stats .c+.c{border-left:1px solid rgba(255,255,255,.1)}
.stats .n{font-family:'Cormorant Garamond',serif;font-weight:600;font-size:clamp(52px,6vw,78px);line-height:1;color:var(--gold-light)}
.stats .l{font-family:'Inter';color:#a9bad4;font-size:16px;margin-top:8px}

/* explain */
.explain .wrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:76px;align-items:center}
.explain .imgwrap{aspect-ratio:5/6;max-width:440px}
.explain .imgwrap img{width:100%;height:100%;object-fit:cover}
.explain p{font-family:'Inter';font-size:18px;margin-top:18px;max-width:470px}
.explain .fine{font-family:'Inter';font-size:15px;color:var(--muted-cream);margin-top:14px;text-align:justify}

/* how */
.how{text-align:center}
.how h2{color:#fff;margin-bottom:8px}
.how .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:56px;margin-top:60px;text-align:left}
.how .c{position:relative;padding-top:26px;border-top:1px solid rgba(201,162,39,.5)}
.how .n{font-family:'Cormorant Garamond',serif;font-size:34px;color:var(--gold-light);line-height:1}
.how h3{color:#fff;font-size:26px;margin:6px 0 10px}
.how p{font-family:'Inter';color:#a9bad4;font-size:16px}

/* carriers */
.carriers{background:var(--cream-2);color:var(--navy);text-align:center;padding:70px 0}
.carriers .lbl{font-family:'Poppins';font-size:11.5px;letter-spacing:.24em;text-transform:uppercase;color:var(--muted-cream);margin-bottom:26px}
.carriers .row{display:flex;gap:46px;justify-content:center;flex-wrap:wrap;align-items:center}
.carriers .chip{font-family:'Cormorant Garamond',serif;font-weight:600;font-size:26px;color:var(--navy)}

/* founder */
.founder .wrap{display:grid;grid-template-columns:.72fr 1.28fr;gap:70px;align-items:center}
.founder .imgwrap{aspect-ratio:4/5;position:relative;border:1px solid rgba(201,162,39,.4)}
.founder .imgwrap img{width:100%;height:100%;object-fit:cover;object-position:center 15%}
.founder .imgwrap span{position:absolute;left:10px;bottom:10px;background:rgba(14,28,52,.8);color:#fff;font-size:11px;padding:5px 9px;border-radius:6px}
.founder blockquote{font-family:'Cormorant Garamond',serif;font-style:italic;font-weight:500;font-size:clamp(28px,3.6vw,46px);line-height:1.25;color:#fff}
.founder blockquote em{font-style:normal;color:var(--gold-light)}
.founder .attr{margin-top:26px;font-family:'Poppins';font-weight:600;color:var(--gold-light)}
.founder .attr small{display:block;font-family:'Inter';color:#a9bad4;font-weight:400;font-size:14px;margin-top:4px}

/* quote */
.quote .wrap{display:flex;flex-direction:column;align-items:center;gap:46px;text-align:center}
.quote .wrap>div:first-child{max-width:640px}
.quote .micro{align-items:center}
.quote .card{width:100%;max-width:880px;text-align:left}
.quote h2{color:#fff}
.quote .sub{font-family:'Inter';color:#cdd8ea;font-size:19px;max-width:48ch;margin:18px auto 0}
.quote .micro{margin-top:24px;font-family:'Inter';color:#a9bad4;font-size:15px;display:flex;flex-direction:column;gap:9px}
.quote .micro b{color:var(--gold-light)}
.quote .card{background:var(--cream);border-radius:20px;padding:40px;color:var(--ink)}
.quote .card h3{font-family:'Cormorant Garamond',serif;color:var(--navy);font-size:32px;margin-bottom:2px;font-weight:600}
.quote .card .cs{font-family:'Inter';color:var(--muted-cream);font-size:14px;margin-bottom:18px}
.quote .frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.quote label{font-family:'Poppins';font-size:12px;font-weight:600;color:var(--navy);display:block;margin:0 0 5px}
.quote input,.quote select{width:100%;padding:13px 15px;border:1px solid #cdc3ad;border-radius:11px;font-size:15px;font-family:inherit;margin-bottom:12px;background:#fff;color:var(--ink)}
.quote .btn{width:100%;justify-content:center;margin-top:6px}
.quote .consent{font-family:'Inter';font-size:11px;color:var(--muted-cream);margin-top:12px;line-height:1.5}
.quote .full{margin-bottom:2px}
.quote .consentbox{display:flex;gap:10px;align-items:flex-start;font-family:'Inter';font-size:11.5px;color:var(--muted-cream);line-height:1.5;margin:14px 0 2px;cursor:pointer}
.quote .consentbox input{width:16px;height:16px;flex:0 0 16px;margin:2px 0 0;accent-color:var(--gold)}

/* faq */
.faq h2{text-align:center;color:var(--navy);margin-bottom:44px}
.faq .list{max-width:820px;margin:0 auto}
.faq details{border-bottom:1px solid #d8cfba;padding:22px 0}
.faq summary{font-family:'Cormorant Garamond',serif;font-weight:600;font-size:24px;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:26px}
.faq details[open] summary::after{content:"\2013"}
.faq p{font-family:'Inter';color:var(--muted-cream);margin-top:12px;font-size:17px}

/* cta */
.cta{background:var(--navy-dark);text-align:center;position:relative}
.cta .inner{padding:130px 36px;position:relative;z-index:5}
.cta h2{color:#fff;font-size:clamp(40px,6vw,76px);line-height:1.02;margin-bottom:18px}
.cta h2 em{font-style:italic;color:var(--gold-light)}
.cta p{font-family:'Inter';color:#cdd8ea;font-size:20px;max-width:44ch;margin:0 auto 32px}
.cta .row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* footer */
footer{background:var(--ink-navy);color:#8ea3c2;font-family:'Inter';font-size:14.5px;padding:64px 0 44px}
footer .flogo img{height:48px;margin-bottom:18px}
footer .links{display:flex;gap:26px;flex-wrap:wrap;margin:16px 0}
footer .links a{color:#cdd8ea}
footer .disc{border-top:1px solid rgba(255,255,255,.1);margin-top:22px;padding-top:22px;line-height:1.75;text-align:justify}
.mcall{display:none}

/* ---- motion ---- */
#loader{position:fixed;inset:0;z-index:200;background:var(--navy-dark);display:flex;align-items:center;justify-content:center;transition:opacity .7s ease}
#loader img{height:54px;animation:loaderIn 1s ease forwards}
#loader.done{opacity:0;pointer-events:none}
@keyframes loaderIn{0%{opacity:0;transform:translateY(8px) scale(.98)}100%{opacity:1;transform:none}}
.reveal{opacity:0;transform:translateY(28px);transition:opacity 1.5s cubic-bezier(.2,.7,.2,1),transform 1.5s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.hero .wrap>div:first-child>*{opacity:0;transform:translateY(22px);animation:heroIn .9s cubic-bezier(.2,.7,.2,1) forwards}
.hero .wrap>div:first-child>*:nth-child(1){animation-delay:1.0s}
.hero .wrap>div:first-child>*:nth-child(2){animation-delay:1.12s}
.hero .wrap>div:first-child>*:nth-child(3){animation-delay:1.24s}
.hero .wrap>div:first-child>*:nth-child(4){animation-delay:1.36s}
.hero .wrap>div:first-child>*:nth-child(5){animation-delay:1.48s}
.hero .heroimg{opacity:0;animation:heroImg 1.2s 1.1s cubic-bezier(.2,.7,.2,1) forwards}
@keyframes heroIn{to{opacity:1;transform:none}}
@keyframes heroImg{from{opacity:0;transform:scale(1.05)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.reveal,.hero .wrap>div:first-child>*,.hero .heroimg{opacity:1!important;transform:none!important;animation:none!important}#loader{display:none!important}}

@media(max-width:900px){
  .hero .wrap,.intro .wrap,.explain .wrap,.founder .wrap,.quote .wrap{grid-template-columns:1fr;gap:44px}
  .hero .heroimg{max-width:340px;margin:0 auto}
  .founder .imgwrap{max-width:320px}
}
@media(max-width:640px){
  body{font-size:16px}
  .top nav,.top .phone{display:none}
  .hamb{display:block;font-size:26px;color:#fff;background:none;border:0}
  .stats .wrap,.how .grid{grid-template-columns:1fr;gap:30px}
  .stats .c+.c{border:0;border-top:1px solid rgba(255,255,255,.1)}
  .quote .frow{grid-template-columns:1fr}
  .pad{padding:74px 0}
  .wrap{padding:0 22px}
  .mcall{display:block;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--gold);color:var(--ink-navy);text-align:center;font-family:'Poppins';font-weight:600;padding:15px}
  body{padding-bottom:56px}
}

/* refinements 07-26 */
.hero h1{line-height:1.02}
.hero h1 em{letter-spacing:normal}
.explain p{text-align:justify}
.intro .lead{text-align:justify}

/* founder branded card */
.founder .foundercard{aspect-ratio:4/5;border:1px solid rgba(201,162,39,.4);border-radius:4px;background:var(--navy-2);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:40px 34px}
.founder .foundercard img{height:66px;width:auto;margin-bottom:8px;opacity:.96}
.founder .foundercard .fdiv{width:46px;height:1.5px;background:var(--gold);opacity:.85;margin:22px 0 18px}
.founder .foundercard .sig{font-family:'Great Vibes',cursive;font-size:clamp(38px,4.4vw,52px);color:var(--gold-light);line-height:1}
.founder .foundercard .nm{font-family:'Poppins';font-weight:600;color:#fff;font-size:16px;margin-top:12px;letter-spacing:.02em}
.founder .foundercard .ti{font-family:'Inter';color:#a9bad4;font-size:13px;margin-top:5px}

/* consent links readable on cream card */
.quote .consentbox a{color:var(--navy);text-decoration:underline}
.lpcard .consentbox a{color:var(--navy);text-decoration:underline}

/* quote list bullets */
.quote .micro span{display:flex;gap:11px;align-items:baseline}
.quote .micro span::before{content:"\2022";color:var(--gold-light);font-size:17px;line-height:1;flex:0 0 auto}

/* refinements 07-26 (round 2): sticky header, sage sections, hide preview note */
.pv{display:none}
.top{position:fixed;background:rgba(16,28,52,.92);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.10);padding-top:6px}
.top .wrap{height:84px}

/* justified body copy (07-29) */
p{text-align:justify}
.cta p{text-align:center}

section>.wrap,.cta .inner,footer .wrap{position:relative;z-index:2}

/* cookie consent banner */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:120;max-width:560px;margin:0 auto;background:var(--ink-navy);color:#dfe7f2;border:1px solid rgba(201,162,39,.35);border-radius:14px;padding:18px 20px;box-shadow:0 20px 50px rgba(0,0,0,.4);font-family:'Inter';font-size:14px;line-height:1.6;opacity:0;transform:translateY(12px);transition:.35s ease;display:none}
.cookie.show{display:block;opacity:1;transform:none}
.cookie a{color:var(--gold-light);text-decoration:underline}
.cookie .row{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap}
.cookie .btn{padding:10px 22px;min-height:0;font-size:13px}
.cookie .decline{background:transparent;border:1px solid rgba(255,255,255,.3);color:#dfe7f2;border-radius:999px;font-family:'Poppins';font-weight:600;cursor:pointer;padding:10px 22px;font-size:13px;transition:.2s}
.cookie .decline:hover{border-color:var(--gold-light);color:var(--gold-light)}
@media(max-width:640px){.cookie{left:10px;right:10px;bottom:66px}}

/* mobile optimization (07-27) */
@media(max-width:640px){
  .hero{align-items:flex-start}
  .hero .wrap{padding-top:112px;padding-bottom:70px}
  .top .wrap{height:66px}
  .top .logo img{height:44px}
  p,.explain p,.intro .lead,.explain .fine,footer .disc{text-align:left}
  .quote input,.quote select,.quote textarea,.lpcard input,.lpcard select{font-size:16px}
  /* mobile nav panel */
  .top.open nav{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:var(--ink-navy);border-bottom:1px solid rgba(255,255,255,.12);padding:18px 22px 24px;gap:16px;box-shadow:0 24px 40px rgba(0,0,0,.35)}
  .top.open nav a{color:#fff;font-size:17px;padding:6px 0}
  .top.open nav .phone{display:block}
  .top.open nav .btn{margin-top:6px;text-align:center;color:var(--ink-navy)}
}


/* sage booking button (07-27) */
.btn-sage{background:#9CAF88;border-color:#9CAF88;color:#122240}
.btn-sage:hover{background:#8AA076;border-color:#8AA076}

/* equal-width CTA buttons (07-27) */
.hero .row .btn,.cta .row .btn,.subhero .row .btn{min-width:224px;justify-content:center;padding:14px 18px}
.hero .row,.cta .row,.subhero .row{gap:12px}

/* uniform compact Schedule a Meeting buttons (07-27) */
.btn-sage{min-width:206px;justify-content:center;padding:11px 22px!important;font-size:14px}

/* header button colors (07-27) */
.top nav a.btn-sage{color:#122240}
.top nav a.btn-sage:hover{color:#122240}
.top nav a.btn-gold{color:var(--ink-navy)}
.top nav a.phone.btn{border:1px solid rgba(231,237,246,.35);border-radius:999px;padding:11px 22px;color:#fff}
.top nav a.phone.btn:hover{border-color:var(--gold-light);color:var(--gold-light)}

/* tighter header button spacing (07-27) */
.top nav .btn+.btn{margin-left:-20px}