:root{
  --navy:#0F2340; --navy-2:#1A3157; --gold:#C9A24B; --gold-dark:#8A6A22;
  --ivory:#F7F4EC; --ink:#1B2433; --muted:#4A5568; --line:#E3DCCB; --white:#FFFFFF;
  --serif:'Cinzel',Georgia,serif; --sans:'Montserrat',system-ui,-apple-system,Segoe UI,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--navy)}
a:hover{color:var(--gold-dark)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:var(--white);padding:8px 12px;z-index:10}

/* Header */
.site-header{background:var(--navy);color:var(--ivory);position:sticky;top:0;z-index:5;border-bottom:2px solid var(--gold)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ivory)}
.brand:hover{color:var(--ivory)}
.mono{width:46px;height:46px;border:2px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:inset 0 0 0 4px var(--navy),inset 0 0 0 5px var(--gold)}
.mono span{font-family:var(--serif);font-weight:700;color:var(--gold);font-size:14px;letter-spacing:.02em}
.brand-name{font-family:var(--serif);font-weight:600;letter-spacing:.08em;font-size:15px;line-height:1.2}
.brand-name small{display:block;font-family:var(--sans);font-size:10.5px;letter-spacing:.32em;color:var(--gold)}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav a{color:var(--ivory);text-decoration:none;font-size:14px;font-weight:500;padding:10px 12px;display:inline-block;border-radius:4px}
nav a:hover{color:var(--gold)}
nav a.cta{background:var(--gold);color:var(--navy);font-weight:600}
nav a.cta:hover{background:#D8B566;color:var(--navy)}

/* Hero */
.hero{background:var(--navy);color:var(--ivory);padding:88px 0 96px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto -10% -1px -10%;height:1px;background:var(--gold);opacity:.5}
.hero .eyebrow{color:var(--gold);letter-spacing:.3em;font-size:13px;font-weight:600;text-transform:uppercase;margin:0 0 18px}
.hero h1{font-family:var(--serif);font-weight:600;font-size:clamp(32px,5vw,54px);line-height:1.15;margin:0 0 22px;max-width:820px;letter-spacing:.02em}
.hero p.lead{font-size:clamp(17px,2vw,20px);max-width:640px;color:#E4DFD2;margin:0 0 34px}
.btns{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 26px;border-radius:4px;font-weight:600;text-decoration:none;font-size:16px;border:2px solid var(--gold);min-height:48px}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#D8B566;color:var(--navy)}
.btn-ghost{color:var(--ivory)}
.btn-ghost:hover{background:rgba(201,162,75,.12);color:var(--ivory)}
.hero .trust{margin-top:40px;display:flex;gap:28px;flex-wrap:wrap;font-size:14px;color:#CFC8B6}
.hero .trust strong{color:var(--gold);font-weight:600}

/* Sections */
section{padding:84px 0;scroll-margin-top:80px}
.alt{background:var(--ivory)}
.section-head{max-width:720px;margin:0 0 44px}
.kicker{color:var(--gold-dark);letter-spacing:.28em;font-size:13px;font-weight:600;text-transform:uppercase;margin:0 0 10px}
h2{font-family:var(--serif);font-weight:600;color:var(--navy);font-size:clamp(28px,3.6vw,38px);line-height:1.2;margin:0 0 14px;letter-spacing:.02em}
h3{font-family:var(--sans);font-weight:600;color:var(--navy);font-size:19px;margin:0 0 8px}
.section-head p{color:var(--muted);margin:0}
.rule{width:72px;height:2px;background:var(--gold);margin:0 0 18px}

.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.card{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold);padding:26px 24px;border-radius:4px}
.alt .card{background:var(--white)}
.card p{margin:0;color:var(--muted);font-size:15.5px}
.card ul{margin:10px 0 0;padding-left:18px;color:var(--muted);font-size:15px}

.two{display:grid;gap:48px;grid-template-columns:1fr 1fr;align-items:start}
.about{display:grid;gap:44px;grid-template-columns:260px 1fr;align-items:start}
.about img{width:260px;height:260px;border-radius:50%;border:5px solid var(--gold);object-fit:cover}
.about p{color:var(--ink);margin:0 0 16px}
.pron{color:var(--muted);font-style:italic}

.note{background:var(--white);border-left:4px solid var(--gold);padding:18px 20px;color:var(--muted);font-size:15.5px;border-radius:0 4px 4px 0}
.service-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.service-list li{background:var(--white);border:1px solid var(--line);padding:18px 20px;border-radius:4px}
.service-list strong{color:var(--navy);display:block;margin-bottom:2px}

/* Forms */
form{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:32px 28px}
.alt form{background:var(--white)}
.row{display:grid;gap:18px;grid-template-columns:1fr 1fr;margin-bottom:18px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:18px}
.row .field{margin-bottom:0}
label,legend{font-weight:600;font-size:15px;color:var(--navy)}
.req{color:var(--gold-dark);font-weight:500;font-size:13px}
input[type=text],input[type=email],input[type=tel],input[type=date],select,textarea{font:inherit;font-size:16px;padding:12px 14px;border:1px solid #C9C2B0;border-radius:4px;background:var(--white);color:var(--ink);min-height:48px;width:100%}
textarea{min-height:110px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(201,162,75,.45);border-color:var(--gold-dark)}
fieldset{border:0;padding:0;margin:0 0 18px}
.checks{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:10px;margin-top:10px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:15px;color:var(--ink)}
.check input{width:20px;height:20px;margin-top:2px;accent-color:var(--navy);flex-shrink:0}
.consent{background:var(--ivory);padding:14px 16px;border-radius:4px;margin-bottom:18px}
.consent .check{font-size:14px;color:var(--muted)}
.fine{font-size:13.5px;color:var(--muted);margin:14px 0 0}
button[type=submit]{font:inherit;font-weight:600;font-size:16px;background:var(--navy);color:var(--ivory);border:2px solid var(--navy);border-radius:4px;padding:14px 30px;min-height:48px;cursor:pointer}
button[type=submit]:hover{background:var(--navy-2)}
.hidden{position:absolute;left:-9999px}

/* Footer */
.site-footer{background:var(--navy);color:#CFC8B6;padding:56px 0 28px;font-size:14.5px;border-top:2px solid var(--gold)}
.site-footer a{color:var(--ivory)}
.site-footer a:hover{color:var(--gold)}
.foot{display:grid;gap:32px;grid-template-columns:1.4fr 1fr 1fr}
.site-footer h4{font-family:var(--serif);color:var(--gold);font-weight:600;letter-spacing:.08em;margin:0 0 12px;font-size:15px}
.site-footer p{margin:0 0 8px}
.legal{border-top:1px solid rgba(201,162,75,.3);margin-top:36px;padding-top:20px;font-size:13px;color:#A9A291}
.legal p{margin:0 0 8px}

/* Simple pages */
.page{padding:64px 0 84px}
.page h1{font-family:var(--serif);color:var(--navy);font-weight:600;font-size:clamp(30px,4vw,42px);margin:0 0 8px}
.page h2{font-size:24px;margin-top:36px}
.page p,.page li{color:var(--ink);max-width:760px}
.updated{color:var(--muted);font-size:14px;margin-bottom:28px}

@media (max-width:860px){
  .two,.about,.foot{grid-template-columns:1fr}
  .about img{width:200px;height:200px}
  section{padding:64px 0;scroll-margin-top:72px}
  .hero{padding:64px 0 72px}
  .site-header .wrap{min-height:64px}
  nav a{padding:8px 10px;font-size:13.5px}
}
@media (max-width:560px){
  .row{grid-template-columns:1fr}
  form{padding:24px 18px}
  .brand-name{font-size:13px;white-space:nowrap}
  .brand-name small{font-size:9px;letter-spacing:.18em}
  .mono{width:40px;height:40px}
  .mono span{font-size:12px}
  /* Keep the sticky header to one compact row on phones: the section
     links are all reachable by scrolling, the quote button is not. */
  .site-header .wrap{flex-wrap:nowrap;min-height:60px}
  nav ul li:not(:last-child){display:none}
  nav a.cta{padding:10px 14px;font-size:14px;white-space:nowrap}
  section{scroll-margin-top:66px}
}