:root{
  --ink:#101820;
  --navy:#132238;
  --blue:#1d4f7a;
  --paper:#f7f5ef;
  --white:#fff;
  --line:#d9d5cc;
  --muted:#66707a;
  --accent:#b38a49;
  --max:1180px;
  --shadow:0 18px 50px rgba(16,24,32,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(calc(100% - 40px),var(--max));margin-inline:auto}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px 14px;z-index:1000}
.topbar{background:var(--ink);color:#fff;font-size:.9rem}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0}
.site-header{
  position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);
  backdrop-filter:blur(12px);border-bottom:1px solid rgba(16,24,32,.08)
}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:24px}
.brand{text-decoration:none;font-family:Georgia,serif;font-size:1.35rem;font-weight:700;letter-spacing:.01em}
.brand small{display:block;font-family:Inter,sans-serif;font-size:.68rem;text-transform:uppercase;letter-spacing:.16em;color:var(--muted);font-weight:700}
.nav-links{display:flex;gap:24px;align-items:center}
.nav-links a{text-decoration:none;font-size:.94rem;font-weight:650}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--blue)}
.nav-cta{padding:10px 16px;border:1px solid var(--ink);border-radius:999px}
.menu-btn{display:none;border:0;background:none;font-size:1.35rem}
.hero{
  background:
    radial-gradient(circle at 80% 10%,rgba(179,138,73,.16),transparent 35%),
    linear-gradient(135deg,var(--paper),#fff);
  border-bottom:1px solid var(--line)
}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:64px;align-items:center;padding:92px 0}
.eyebrow{font-size:.78rem;letter-spacing:.19em;text-transform:uppercase;font-weight:800;color:var(--blue)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.1;color:var(--navy)}
h1{font-size:clamp(2.8rem,6vw,5.3rem);margin:.15em 0 .3em;letter-spacing:-.03em}
h2{font-size:clamp(2rem,4vw,3.4rem);margin:.2em 0 .35em;letter-spacing:-.02em}
h3{font-size:1.35rem;margin:.2em 0 .4em}
.lead{font-size:1.22rem;max-width:760px;color:#34404a}
.referral-promise{margin-top:22px;padding:18px 20px;border-left:4px solid var(--accent);background:rgba(255,255,255,.78);box-shadow:0 8px 24px rgba(11,18,24,.08)}
.referral-promise strong,.referral-promise span{display:block}
.referral-promise strong{color:var(--navy);font-family:Georgia,serif;font-size:1.22rem;margin-bottom:5px}
.referral-promise span{color:#34404a}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.button{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;
  padding:12px 18px;border-radius:999px;background:var(--navy);color:#fff;font-weight:750;border:1px solid var(--navy)
}
.button.secondary{background:transparent;color:var(--navy)}
.button:hover{transform:translateY(-1px)}
.hero-card{
  background:var(--navy);color:#fff;padding:34px;border-radius:22px;box-shadow:var(--shadow)
}
.hero-card h3{color:#fff}
.hero-card p{color:#dce5ec}
.hero-card .rule{height:1px;background:rgba(255,255,255,.18);margin:22px 0}
.stat-strip{background:var(--navy);color:#fff}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.stat{padding:24px;border-right:1px solid rgba(255,255,255,.15)}
.stat:last-child{border-right:0}
.stat strong{display:block;font-family:Georgia,serif;font-size:1.35rem}
.stat span{font-size:.9rem;color:#cfdae3}
.section{padding:84px 0}
.section.alt{background:var(--paper)}
.section-header{max-width:800px;margin-bottom:34px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.card{
  border:1px solid var(--line);border-radius:18px;padding:26px;background:#fff;box-shadow:0 8px 24px rgba(16,24,32,.04)
}
.card p{color:#4d5862}
.kicker{font-weight:800;color:var(--blue);font-size:.82rem;text-transform:uppercase;letter-spacing:.12em}
.link-arrow{font-weight:800;text-decoration:none;color:var(--blue)}
.callout{
  border-left:4px solid var(--accent);background:var(--paper);padding:26px 28px;margin:28px 0
}
.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.result{
  background:var(--navy);color:#fff;border-radius:18px;padding:28px
}
.result .amount{font-family:Georgia,serif;font-size:2rem;font-weight:700}
.result p{color:#dce5ec}
.badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.badge{border:1px solid var(--line);border-radius:999px;padding:6px 11px;font-size:.82rem;font-weight:700;background:#fff}
.page-hero{padding:68px 0 52px;background:var(--paper);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(2.4rem,5vw,4.4rem)}
.prose{max-width:800px}
.prose h2{margin-top:2rem}
.prose h3{margin-top:1.65rem}
.prose ul{padding-left:1.2rem}
.article-meta{font-weight:750;color:var(--muted);margin-top:18px}
.article-intro{font-family:Georgia,"Times New Roman",serif;font-size:1.2rem;line-height:1.65;color:#263746}
.article-nav{display:flex;gap:10px 18px;flex-wrap:wrap;align-items:center;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:32px 0;background:#fff}
.article-nav strong{width:100%;font-family:Georgia,"Times New Roman",serif;color:var(--navy)}
.article-nav a{color:var(--blue);font-weight:750;text-decoration:none}
.article-nav a:hover{text-decoration:underline}
.scenario-list{border-top:1px solid var(--line)}
.scenario-list p{padding:15px 0;margin:0;border-bottom:1px solid var(--line)}
.checklist{list-style:none;padding:0}
.checklist li{padding:10px 0 10px 30px;position:relative;border-bottom:1px solid var(--line)}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}
.table-wrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;min-width:680px}
th,td{text-align:left;padding:14px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.resource-list{display:grid;gap:14px}
.resource{
  display:flex;justify-content:space-between;gap:20px;align-items:center;border:1px solid var(--line);
  border-radius:16px;padding:20px 22px;text-decoration:none;background:#fff
}
.resource:hover{border-color:var(--blue)}
.cta-band{background:var(--navy);color:#fff}
.cta-band h2{color:#fff}
.cta-band p{color:#dce5ec}
footer{background:#0b1218;color:#c5ced6;padding:48px 0 22px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
footer a{color:#fff;text-decoration:none}
footer h3{color:#fff;font-family:Inter,sans-serif;font-size:.95rem}
.legal{font-size:.78rem;color:#9aa7b2;border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:18px}
.note{font-size:.85rem;color:var(--muted)}
.contact-layout{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.65fr);gap:28px;align-items:start}
.contact-stack{display:grid;gap:20px}
.contact-form{display:grid;gap:18px;margin-top:24px}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.field{display:grid;gap:7px}
.field label{font-weight:750;color:var(--navy)}
.field input,.field select,.field textarea{
  width:100%;border:1px solid #b9c0c6;border-radius:10px;background:#fff;color:var(--ink);
  font:inherit;padding:12px 13px
}
.field textarea{min-height:170px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(29,79,122,.18);border-color:var(--blue)}
.form-note{border-left:4px solid var(--accent);background:var(--paper);padding:16px 18px;font-size:.92rem;color:#3f4a54}
.form-honeypot{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.contact-detail{font-size:1.05rem;overflow-wrap:anywhere}
@media(max-width:900px){
  .hero-grid,.grid-2,.footer-grid,.contact-layout{grid-template-columns:1fr}
  .grid-3,.result-grid{grid-template-columns:1fr 1fr}
  .stats{grid-template-columns:1fr 1fr}
  .stat:nth-child(2){border-right:0}
  .nav-links{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);padding:20px;flex-direction:column;align-items:flex-start}
  .nav-links.open{display:flex}
  .menu-btn{display:block}
}
@media(max-width:560px){
  .container{width:min(calc(100% - 28px),var(--max))}
  .hero-grid{padding:64px 0;gap:36px}
  .section{padding:62px 0}
  .grid-3,.result-grid,.stats,.form-grid{grid-template-columns:1fr}
  .stat{border-right:0;border-bottom:1px solid rgba(255,255,255,.15)}
  .topbar .container{flex-direction:column;gap:0}
}


.promise-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.promise{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff}
.promise strong{display:block;font-family:Georgia,serif;font-size:1.12rem;color:var(--navy);margin-bottom:6px}
.steps{counter-reset:step;display:grid;gap:14px}
.step{counter-increment:step;display:grid;grid-template-columns:46px 1fr;gap:16px;align-items:start;padding:18px 0;border-bottom:1px solid var(--line)}
.step:before{content:counter(step);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-weight:850}
.tag-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.tag{display:inline-block;border-radius:999px;padding:6px 10px;background:var(--paper);border:1px solid var(--line);font-size:.82rem;font-weight:700}
.banner{background:linear-gradient(135deg,var(--navy),#1d4f7a);color:#fff;padding:28px;border-radius:18px}
.banner h2,.banner h3{color:#fff}.banner p{color:#dbe6ef}
.download-card{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;border:2px solid var(--navy);border-radius:18px;padding:24px;background:#fff}
.download-actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.smallcaps{text-transform:uppercase;letter-spacing:.12em;font-size:.75rem;font-weight:850;color:var(--blue)}
.case-types{columns:2;column-gap:30px;padding-left:1.15rem}.case-types li{break-inside:avoid;margin-bottom:8px}
@media(max-width:700px){.promise-grid{grid-template-columns:1fr}.download-card{grid-template-columns:1fr}.case-types{columns:1}}
@media print{
  .topbar,.site-header,.cta-band,footer,.no-print{display:none!important}
  body{font-size:11pt;color:#000;background:#fff}
  .page-hero,.section,.section.alt{padding:18px 0;background:#fff}
  .container{width:100%;max-width:none}
  .card,.callout,.promise{box-shadow:none;border:1px solid #bbb;break-inside:avoid}
  a{text-decoration:none;color:#000}
  .article-nav{display:none}
}