:root{--navy:#0b1f3a;--navy2:#132c4f;--blue:#2563a8;--hover:#1d4f87;--slate:#3b4552;--bg:#f4f6f9;--line:#dfe4ec;--serif:Georgia,"Times New Roman",serif;--sans:-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.65 var(--sans);color:var(--slate);background:#fff}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;font-weight:normal;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5vw,3.4rem);color:#fff}h2{font-size:clamp(1.7rem,3.5vw,2.4rem)}h3{font-size:1.25rem}
a{color:var(--blue)}a:hover{color:var(--hover)}.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.eyebrow{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:.8em}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:14px 26px;border-radius:4px;text-decoration:none;font-weight:600;border:0;font-size:1rem;cursor:pointer}.btn:hover{background:var(--hover);color:#fff}
.btn.ghost{background:transparent;border:1px solid rgba(255,255,255,.5)}.btn.ghost:hover{background:rgba(255,255,255,.1)}
.top{background:var(--navy);color:#b9c6d8;font-size:.82rem}.top .wrap{display:flex;justify-content:space-between;gap:12px;padding:8px 24px;flex-wrap:wrap}.top a{color:#fff;text-decoration:none}
header.nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}header.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{font-family:var(--serif);font-size:1.35rem;color:var(--navy);text-decoration:none}.logo span{color:var(--blue)}.logo small{display:block;font:600 .62rem var(--sans);letter-spacing:.18em;text-transform:uppercase;color:#7a8698}
nav a{margin-left:26px;text-decoration:none;color:var(--slate);font-size:.95rem}nav a.btn{color:#fff;padding:10px 18px}
.hero{background:linear-gradient(120deg,var(--navy) 0%,var(--navy2) 60%,#1b3d6b 100%);color:#c9d5e6;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-40px;bottom:0;width:55%;height:100%;background:url(img/hero.svg) no-repeat right bottom/contain;opacity:.9}
.hero .wrap{position:relative;z-index:1;padding:110px 24px 120px}.hero .eyebrow{color:#8fb4e3}.hero p.lead{font-size:1.2rem;max-width:600px;margin:0 0 32px}.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.trust{background:var(--bg);border-bottom:1px solid var(--line)}.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:28px 24px}.trust div{font-size:.9rem}.trust b{display:block;font-family:var(--serif);color:var(--navy);font-size:1.1rem;font-weight:normal}
section{padding:96px 0}section.alt{background:var(--bg)}.head{max-width:680px;margin-bottom:48px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--blue);padding:28px;border-radius:4px}.card p{margin:0;font-size:.95rem}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;counter-reset:s}.step{border-top:1px solid var(--navy);padding-top:22px}.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:2.4rem;color:var(--blue);display:block;margin-bottom:8px}
.split{display:grid;grid-template-columns:1fr 1.2fr;gap:64px;align-items:start}
.form{background:#fff;border:1px solid var(--line);padding:36px;border-radius:6px;box-shadow:0 10px 30px rgba(11,31,58,.06)}.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin:0 0 16px}input,select,textarea{display:block;width:100%;margin-top:6px;padding:12px;border:1px solid #c8d0dc;border-radius:4px;font:inherit;font-size:.95rem;background:#fff}input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}
.hp{position:absolute;left:-9999px}.fine{font-size:.8rem;color:#6b7686}
.about{display:grid;grid-template-columns:300px 1fr;gap:56px;align-items:center}.portrait{aspect-ratio:4/5;background:linear-gradient(160deg,var(--navy2),var(--blue));border-radius:6px;display:flex;align-items:center;justify-content:center;color:#fff;font:3.4rem var(--serif)}
details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font-family:var(--serif);font-size:1.15rem;color:var(--navy);list-style:none}summary::after{content:"+";float:right;color:var(--blue)}details[open] summary::after{content:"–"}details p{margin:.8em 0 0}
.cta{background:var(--navy);color:#c9d5e6;text-align:center}.cta h2{color:#fff}
footer{background:#081629;color:#9aa8bb;font-size:.85rem;padding:56px 0 32px}footer a{color:#dbe5f2}footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:32px}footer h4{color:#fff;font:600 .78rem var(--sans);letter-spacing:.14em;text-transform:uppercase;margin:0 0 12px}footer p{margin:0 0 8px}.legal{border-top:1px solid #1e3150;padding-top:20px;font-size:.78rem;line-height:1.6}.eho{display:inline-flex;align-items:center;gap:8px}
@media(max-width:900px){nav a:not(.btn){display:none}.grid,.steps{grid-template-columns:1fr 1fr}.split,.about,footer .cols{grid-template-columns:1fr}.trust .wrap{grid-template-columns:1fr 1fr}.hero::after{opacity:.25;width:100%}.about .portrait{max-width:240px}}
@media(max-width:560px){.grid,.steps,.form .row{grid-template-columns:1fr}section{padding:64px 0}.hero .wrap{padding:72px 24px 80px}.top .wrap span:first-child{display:none}.form{padding:22px}}
.hero{background:linear-gradient(110deg,rgba(11,31,58,.96) 0%,rgba(11,31,58,.85) 45%,rgba(19,44,79,.55) 100%),url(img/hero-office.webp) center/cover no-repeat}
.hero::after{display:none}
.card.photo{padding:0;overflow:hidden;display:flex;flex-direction:column}.card.photo img{width:100%;height:160px;object-fit:cover;display:block}.card.photo .cb{padding:22px 24px 26px}
.gallery{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.gallery figure{margin:0;position:relative;border-radius:4px;overflow:hidden;background:var(--navy)}.gallery img{width:100%;height:240px;object-fit:cover;display:block;transition:transform .4s}.gallery figure:hover img{transform:scale(1.04)}
.gallery figcaption{position:absolute;left:0;right:0;bottom:0;padding:28px 16px 12px;background:linear-gradient(transparent,rgba(8,22,41,.88));color:#fff;font-family:var(--serif);font-size:1.1rem}
@media(max-width:900px){.gallery{grid-template-columns:1fr 1fr}}@media(max-width:560px){.gallery{grid-template-columns:1fr}.gallery img{height:200px}}
img.portrait{width:100%;height:auto;object-fit:cover;display:block;background:none}
.biz .card{border-top-color:var(--navy)}
@media(max-width:560px){.logo{font-size:1.1rem;white-space:nowrap}.logo small{font-size:.55rem}nav a.btn{padding:8px 12px;font-size:.85rem;white-space:nowrap;margin-left:10px}header.nav .wrap{height:64px;padding:0 16px}}
/* subpages */
.pagehero{background-size:cover;background-position:center;color:#c9d5e6}.pagehero .wrap{padding:64px 24px 72px}.pagehero h1{font-size:clamp(1.9rem,4vw,2.9rem);max-width:820px}.pagehero .lead{max-width:680px;font-size:1.1rem;margin:0 0 26px}
.crumbs{font-size:.82rem;margin-bottom:18px;color:#9fb3cc}.crumbs a{color:#cfe0f5;text-decoration:none;margin:0}.crumbs a:hover{text-decoration:underline}
section.page{padding:64px 0}.pagegrid{display:grid;grid-template-columns:1fr 320px;gap:56px;align-items:start}.prose h2{font-size:1.6rem;margin-top:1.6em}.prose ul{padding-left:1.2em}.prose li{margin:.35em 0}
.prose img.inline{width:100%;height:320px;object-fit:cover;border-radius:6px;margin:12px 0 8px;display:block}
.side{position:sticky;top:96px;display:grid;gap:18px}.sidecard{background:var(--navy);color:#c9d5e6;padding:26px;border-radius:6px}.sidecard h3{color:#fff}.sidecard a:not(.btn){color:#cfe0f5}.sidecard.plain{background:var(--bg);color:var(--slate);border:1px solid var(--line)}.sidecard.plain h4{margin:0 0 6px;color:var(--navy);font-family:var(--serif);font-weight:normal;font-size:1.1rem}
.ctaband{display:flex;justify-content:space-between;align-items:center;gap:20px;background:var(--bg);border-left:4px solid var(--blue);padding:24px 28px;margin-top:40px;border-radius:4px;flex-wrap:wrap}.ctaband h3{margin:0 0 4px}.ctaband p{margin:0}
.relgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.relcard{display:block;background:#fff;border:1px solid var(--line);border-radius:4px;overflow:hidden;text-decoration:none}.relcard img{width:100%;height:140px;object-fit:cover;display:block}.relcard span{display:block;padding:14px 16px;font-family:var(--serif);color:var(--navy);font-size:1.05rem}
.related{padding:64px 0}a.cardlink{color:inherit;text-decoration:none}a.cardlink:hover{color:var(--blue)}.gallery figure a{display:block;color:#fff}
.locgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.loccard{display:block;border:1px solid var(--line);border-left:3px solid var(--blue);padding:18px 20px;text-decoration:none;border-radius:4px}.loccard b{display:block;font-family:var(--serif);font-weight:normal;color:var(--navy);font-size:1.15rem}.loccard span{font-size:.85rem;color:#6b7686}.loccard:hover{background:var(--bg)}
.anchor{position:relative;top:-90px;display:block}
footer .cols5{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:32px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:0 0 6px}footer a{text-decoration:none}footer a:hover{text-decoration:underline}
@media(max-width:900px){.pagegrid{grid-template-columns:1fr}.side{position:static}.relgrid,.locgrid{grid-template-columns:1fr 1fr}footer .cols5{grid-template-columns:1fr 1fr}}
@media(max-width:560px){footer .cols5{grid-template-columns:1fr}.prose img.inline{height:200px}}
.herogrid{display:grid;grid-template-columns:1fr 300px;gap:56px;align-items:center}
.herocard{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.18);border-radius:8px;padding:14px;backdrop-filter:blur(4px);box-shadow:0 20px 40px rgba(0,0,0,.25)}
.herocard img{width:100%;height:auto;display:block;border-radius:4px}.herocard div{padding:14px 6px 4px}.herocard b{display:block;font:normal 1.3rem var(--serif);color:#fff}.herocard span{display:block;font-size:.9rem;color:#c9d5e6}.herocard .nmls{font-size:.78rem;letter-spacing:.08em;color:#8fb4e3;margin-top:2px}
@media(max-width:900px){.herogrid{grid-template-columns:1fr;gap:32px}.herocard{display:flex;align-items:center;gap:16px;max-width:360px;padding:12px}.herocard img{width:96px;flex:none}.herocard div{padding:0}}
.dealbox{margin-top:40px;border-top:4px solid var(--blue);padding-top:20px;scroll-margin-top:90px}.dealbox h3{margin:0 0 6px}.dealbox .form{margin-top:14px}
footer .also{margin-bottom:12px}footer .also a{color:#fff}

/* 2026-10-19: notes + article byline */
.note{background:#f3f6fa;border-left:4px solid #c8a24a;padding:14px 18px;border-radius:6px;margin:18px 0}.byline{margin:0 0 18px}
.sidepic{width:96px;height:96px;border-radius:50%;object-fit:cover;display:block;margin:0 0 10px}
.dealpic{width:72px;height:72px;border-radius:50%;object-fit:cover;float:left;margin:0 14px 6px 0}
.dealbox .form{clear:both}