:root{
  --navy:#0B0F17;--navy-2:#141922;--navy-3:#1D2432;--line:#2A3242;
  --paper:#F7F6F2;--paper-2:#EFEDE6;--white:#fff;
  --ink:#1B2233;--ink-2:#4A5266;--ink-3:#7C8496;
  --gold:#D4B057;--gold-2:#B8912E;--gold-soft:rgba(212,176,87,.14);
  --ok:#2F7A4F;--err:#B03A3A;
  --disp:"Montserrat","Helvetica Neue",Arial,sans-serif;--body:"Roboto","Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--body);color:var(--ink);background:var(--paper);font-size:16px;line-height:1.55}
img{max-width:100%;height:auto}
a{color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding-inline:20px}
.narrow{max-width:820px}
h1,h2,h3{font-family:var(--disp);margin:0;text-wrap:balance}
h1{font-size:clamp(34px,4.6vw,56px);line-height:1.08;font-weight:700;color:var(--white)}
h2{font-size:clamp(26px,3.2vw,38px);line-height:1.15;font-weight:700}
h3{font-size:19px;font-weight:600}
p{margin:0 0 14px}
.eyebrow{font-family:var(--disp);font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:0 0 12px}
.section-lede{font-size:18px;color:var(--ink-2);max-width:66ch;margin-bottom:28px}
.fine{font-size:13px;color:var(--ink-3);margin:12px 0 0}
.light-fine{color:#8b92a3}
.req{color:var(--gold)}.opt{color:var(--ink-3);font-weight:400;font-size:12px;margin-left:6px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--disp);font-weight:600;font-size:15px;padding:14px 22px;border-radius:6px;border:1px solid transparent;cursor:pointer;text-decoration:none;transition:transform .12s,background .15s}
.btn-gold{background:linear-gradient(180deg,#E3C46B,#B8912E);color:var(--navy);border-color:#B8912E}
.btn-gold:hover{transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border-color:#C9CBD3}
.btn-sm{padding:10px 16px;font-size:14px}
.btn-block{width:100%}
.btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* header */
.hdr{background:var(--navy);position:sticky;top:env(safe-area-inset-top,0px);z-index:50;border-bottom:1px solid var(--line)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:12px}
.brand img{height:56px;width:auto;display:block}
.nav{display:flex;gap:26px}
.nav a{color:#D9DCE4;text-decoration:none;font-weight:500;font-size:15px}
.nav a:hover{color:var(--gold)}
@media (max-width:860px){.nav{display:none}.brand img{height:40px}}

/* hero */
.hero{background:var(--navy);color:#D9DCE4;padding-block:56px 72px;background-image:radial-gradient(900px 500px at 85% -10%,rgba(212,176,87,.16),transparent 60%)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:48px;align-items:start}
@media (max-width:960px){.hero-grid{grid-template-columns:1fr;gap:36px}}
.hero-copy .lede{font-size:19px;line-height:1.55;color:#C3C7D2;max-width:56ch;margin:18px 0 22px}
.hero-copy .lede strong{color:var(--white)}
.hero-points{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:10px}
.hero-points li{padding-left:26px;position:relative;color:#C3C7D2}
.hero-points li::before{content:"";position:absolute;left:0;top:.45em;width:12px;height:12px;border-radius:50%;background:linear-gradient(180deg,#E3C46B,#B8912E)}
.hero-points b{color:var(--white);font-weight:600}
.hero-proof{display:flex;flex-wrap:wrap;gap:10px 28px;border-top:1px solid var(--line);padding-top:18px;font-size:14px;color:#9AA0AE}
.hero-proof b{color:var(--gold);font-family:var(--disp);font-size:18px;margin-right:6px}

/* form card */
.card{background:var(--white);color:var(--ink);border-radius:12px;box-shadow:0 20px 60px rgba(0,0,0,.35)}
.form-card{padding:26px 26px 22px;scroll-margin-top:90px}
.form-head h2{font-size:24px}
.form-head p{color:var(--ink-3);font-size:13px;margin:4px 0 10px}
.progress{height:4px;background:var(--paper-2);border-radius:2px;overflow:hidden;margin-bottom:18px}
.progress span{display:block;height:100%;width:50%;background:linear-gradient(90deg,#E3C46B,#B8912E);transition:width .3s}
fieldset{border:0;padding:0;margin:0;min-width:0}
legend{font-family:var(--disp);font-weight:600;font-size:15px;color:var(--ink);margin-bottom:12px}
label{display:block;font-size:13.5px;font-weight:500;color:var(--ink-2);margin-bottom:12px}
input[type=text],input[type=email],input[type=tel],select,textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;font:inherit;font-size:15px;color:var(--ink);background:#FBFAF7;border:1px solid #D3D5DC;border-radius:6px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:0;border-color:var(--gold-2)}
select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,#666 50%),linear-gradient(135deg,#666 50%,transparent 50%);background-position:calc(100% - 18px) 50%,calc(100% - 13px) 50%;background-size:5px 5px;background-repeat:no-repeat;padding-right:32px}
textarea{resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
@media (max-width:520px){.row2{grid-template-columns:1fr}}
.money{position:relative;display:block}
.money i{position:absolute;left:12px;top:calc(6px + 11px);font-style:normal;color:var(--ink-3)}
.money input{padding-left:26px}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:12.5px;color:var(--ink-2);line-height:1.45;margin:6px 0 16px}
.consent input{margin-top:3px;flex:none;width:16px;height:16px;accent-color:var(--gold-2)}
.consent a{color:var(--ink)}
.actions{align-items:center;margin-top:4px}
.actions .btn{width:100%}
.hp{position:absolute;left:-9999px;top:-9999px;height:0;width:0;opacity:0}
.is-invalid{border-color:var(--err)!important}
#formMsg{min-height:1.2em}
#formMsg.err{color:var(--err)}
.form-done h3{font-size:24px;color:var(--ok);margin-bottom:8px}
.form-done p{color:var(--ink-2)}

/* sections */
.section{padding-block:72px}
.section.light{background:var(--paper)}
.section.paper{background:var(--paper-2)}
.section.dark{background:var(--navy-2);color:#D9DCE4}
.section.dark h2{color:var(--white)}
.section.dark .eyebrow{color:var(--gold)}

.rate-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;margin-top:8px}
.rate{background:var(--white);border:1px solid #E4E2DA;border-top:3px solid var(--gold);padding:22px 20px 18px;display:flex;flex-direction:column}
.rate h3{font-size:17px;margin-bottom:8px}
.rate .num{font-family:var(--disp);font-weight:700;font-size:28px;color:var(--ink);margin:0 0 10px;font-variant-numeric:tabular-nums}
.rate .num small{font-size:14px;font-weight:600;color:var(--ink-3)}
.rate p{font-size:14.5px;color:var(--ink-2);margin-bottom:10px}
.rate .drivers{font-size:13px;color:var(--ink-3);margin-top:auto}
.rate .drivers b{color:var(--ink-2)}
.link{font-weight:600;font-size:14px;color:var(--gold-2);text-decoration:none;margin-top:8px}
.link:hover{text-decoration:underline}

.prog-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px;margin-top:8px}
.prog{background:var(--navy-3);border:1px solid var(--line);border-radius:8px;padding:22px 20px}
.prog h3{color:var(--white);margin-bottom:8px}
.prog p{color:#B8BDC9;font-size:14.5px;margin:0}

.steps{list-style:none;padding:0;margin:8px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px;counter-reset:s}
.steps li{background:var(--white);border:1px solid #E4E2DA;padding:22px 20px;position:relative}
.steps .n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:var(--disp);font-weight:700;margin-bottom:12px}
.steps h3{font-size:16.5px;margin-bottom:6px}
.steps p{font-size:14.5px;color:var(--ink-2);margin:0}

.proof-grid{display:grid;grid-template-columns:1fr;gap:48px;align-items:start}
.proof-grid .deals{max-width:640px}
.niche-copy p{margin:0 0 18px;font-size:15.5px;line-height:1.6}
.niche-copy p:last-child{margin-bottom:0}
.section.dark .niche-copy p{color:var(--paper-2,#EFEDE6)}
.section.dark .niche-copy b{color:var(--gold)}
.niche-copy p.fine{font-size:13px;color:var(--ink-3);font-style:italic;margin-top:20px}
.prog-grid a.prog-link{display:block;text-decoration:none;color:inherit}
.prog-grid a.prog-link:hover h3{color:var(--gold)}
.niche-pill-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.niche-pill{display:inline-flex;align-items:center;font-family:var(--disp);font-size:13px;font-weight:600;padding:8px 16px;border:1px solid var(--line);border-radius:20px;color:var(--ink);text-decoration:none;background:var(--white)}
.niche-pill:hover{border-color:var(--gold);color:var(--gold-2)}
.section.dark .niche-pill{background:var(--navy-2);border-color:var(--line);color:var(--paper-2,#EFEDE6)}
.section.dark .niche-pill:hover{border-color:var(--gold);color:var(--gold)}
.niche-pill-row.sm{gap:6px;margin-top:14px}
.niche-pill.sm{padding:5px 12px;font-size:11.5px}
.prog .niche-pill.sm{background:#fff;color:var(--navy);border-color:#fff}
.prog .niche-pill.sm:hover{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.deals{list-style:none;padding:0;margin:0}
.deals li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid #DDDACF;font-size:15px}
.deals b{font-family:var(--disp);font-variant-numeric:tabular-nums;white-space:nowrap}
.deals span{color:var(--ink-2);text-align:right}
.who h3{font-size:22px;margin:0 0 12px}
.who p{color:var(--ink-2)}
.who .btn{margin-top:6px}

details{background:var(--white);border:1px solid #E4E2DA;border-radius:6px;padding:0 18px;margin-bottom:10px}
summary{cursor:pointer;font-family:var(--disp);font-weight:600;font-size:16px;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold-2);font-size:20px;line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--ink-2);margin:0 0 16px}

/* footer */
.foot{background:var(--navy);color:#B8BDC9;padding-block:44px 28px}
.foot-grid{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap}
.foot-about{font-size:14px;margin:12px 0 4px;max-width:60ch}
.foot a{color:var(--gold);text-decoration:none}
.foot-nav{display:flex;flex-direction:column;gap:8px;font-size:14px}
.foot-nav a{color:#D9DCE4}
.foot-legal{border-top:1px solid var(--line);margin-top:28px;padding-top:18px}
.foot-legal p{font-size:12.5px;color:#8B92A3;max-width:90ch;margin:0}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}

.rate .num.txt{font-size:21px;line-height:1.3;padding-top:4px;color:var(--ink-2)}
/* dynamic intake */
.choices{display:grid;gap:8px;margin-bottom:10px}
.choice{display:flex;gap:10px;align-items:flex-start;padding:10px 12px;border:1px solid #D3D5DC;border-radius:6px;background:#FBFAF7;cursor:pointer;font-weight:500;font-size:14px;color:var(--ink);margin:0}
.choice:hover{border-color:var(--gold-2)}
.choice input{margin-top:3px;accent-color:var(--gold-2);flex:none}
.choice:has(input:checked){border-color:var(--gold-2);background:var(--gold-soft)}
.hint{font-size:13px;color:var(--ink-2);min-height:1.2em;margin:4px 0 12px;background:var(--paper-2);padding:10px 12px;border-radius:6px}
.hint:empty{display:none}
.money.pct i{left:auto;right:12px}
.money.pct input{padding-left:12px;padding-right:30px}
optgroup{font-weight:600;color:var(--ink-3)}
.actions span{display:block}
#steps fieldset{margin-bottom:4px}
.choice-hint{display:block;font-size:13px;font-weight:400;line-height:1.45;color:var(--ink-2);margin-top:6px}
.choice-hint[hidden]{display:none}
.to-top{position:fixed;right:16px;bottom:calc(16px + env(safe-area-inset-bottom,0px));z-index:60;width:44px;height:44px;border-radius:50%;border:1px solid var(--gold-2);background:var(--navy);color:#fff;font-size:20px;line-height:1;cursor:pointer;box-shadow:0 4px 14px rgba(0,0,0,.25)}
.to-top:hover{background:var(--gold-2)}
.to-top[hidden]{display:none}

/* repeating property rows (intake-config type "parcels") */
.parcels .parcel-row{display:grid;grid-template-columns:1.5fr .6fr 1.2fr 1fr 1fr 34px;gap:8px;margin-bottom:8px;align-items:center}
.parcels .parcel-head{font-size:12.5px;font-weight:600;color:var(--ink-2,#6b7280);margin-bottom:4px}
.parcels .parcel-row input{width:100%;min-width:0}
.parcels .parcel-del{border:1px solid var(--line,#d1d5db);background:#fff;border-radius:6px;height:34px;cursor:pointer;font-size:18px;line-height:1}
@media (max-width:640px){.parcels .parcel-row{grid-template-columns:1fr 1fr}.parcels .parcel-head{display:none}.parcels .parcel-del{grid-column:2}}