:root{
  --navy:#0A3F66;--navy-deep:#072D4A;--green:#95A581;--steel:#40627F;--slate:#5E7384;
  --mist:#E6E6E6;--mist-2:#F3F3F3;--paper:#FFFFFF;--ink:#16212C;--line:#D6D6D6;
  --serif:"Questrial","Century Gothic",system-ui,sans-serif;
  --sans:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --wrap:1160px;--radius:4px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.6;color:var(--ink);background:var(--paper)}
img{max-width:100%;height:auto;display:block}
a{color:var(--steel);text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid #7FA6C9;outline-offset:2px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;font-weight:400;margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5vw,3.9rem);letter-spacing:-.02em}
h2{font-size:clamp(1.7rem,3vw,2.4rem);letter-spacing:-.01em}
h3{font-size:1.3rem}
p{margin:0 0 1em;max-width:68ch}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
.hdr{background:var(--navy-deep);color:#fff;position:sticky;top:0;z-index:50}
.hdr .wrap{display:flex;align-items:center;gap:28px;min-height:118px;position:relative}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none}
.brand img{height:92px;width:auto}
.nav{margin-left:auto;display:flex;align-items:center;gap:4px}
.nav>ul{list-style:none;display:flex;gap:2px;margin:0;padding:0}
.nav li{position:relative}
.nav a,.nav .navlbl{font-family:var(--serif);display:block;color:#E3EAF1;text-decoration:none;padding:10px 12px;font-size:.97rem;border-radius:var(--radius);cursor:pointer}
.nav a:hover,.nav .navlbl:hover{color:#fff;background:rgba(255,255,255,.07)}
.nav a[aria-current="page"]{color:#fff;box-shadow:inset 0 -3px 0 var(--green)}
.nav .sub{display:none;position:absolute;left:0;top:100%;background:#fff;min-width:250px;list-style:none;margin:0;padding:8px;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 28px rgba(10,32,57,.18)}
.nav li:hover>.sub,.nav li:focus-within>.sub{display:block}
.nav .sub a{color:var(--ink);padding:9px 12px}
.nav .sub a:hover{background:var(--mist);color:var(--navy)}
.navbtn{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.4);color:#fff;border-radius:var(--radius);padding:8px 14px;font:inherit;cursor:pointer}
.btn{display:inline-block;font-family:var(--serif);font-weight:400;letter-spacing:.01em;font-size:1rem;text-decoration:none;padding:13px 22px;border-radius:var(--radius);border:2px solid var(--navy);background:var(--navy);color:#fff;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--navy-deep);border-color:var(--navy-deep);color:#fff}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.light{background:#fff;border-color:#fff;color:var(--navy)}
.btn.light:hover{background:var(--mist);border-color:var(--mist);color:var(--navy-deep)}
.btn.outline-light{background:transparent;border-color:rgba(255,255,255,.65);color:#fff}
.btn.outline-light:hover{background:rgba(255,255,255,.1);border-color:var(--green);color:#fff}
.hdr .btn{padding:10px 16px;font-size:.95rem;margin-left:8px}
.btnrow{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero{background:var(--navy);color:#DCE6EF;padding:84px 0 92px}
.hero h1{color:#fff;max-width:13ch}
.hero .lede{font-size:1.2rem;color:#D3DEE8;max-width:52ch;margin-bottom:1.6em}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.ledger{background:#fff;color:var(--ink);border-radius:var(--radius);padding:30px 30px 26px;box-shadow:0 30px 60px rgba(4,16,30,.35);position:relative}
.ledger::before{content:"";position:absolute;inset:10px;border:1px solid var(--line);border-radius:2px;pointer-events:none}
.ledger h2{font-size:1.25rem;margin-bottom:.2em}
.ledger .sub-l{font-size:.9rem;color:var(--slate);margin-bottom:18px}
.ledger dl{margin:0}
.ledger .row{display:grid;grid-template-columns:7rem 1fr;gap:14px;padding:13px 0;border-top:1px solid var(--line)}
.ledger dt{font-weight:600;color:var(--navy);font-size:.95rem}
.ledger dd{margin:0;font-size:.98rem}
.ledger .sign{margin-top:18px;padding-top:26px;border-top:1px solid var(--ink);display:flex;justify-content:space-between;gap:12px;font-size:.85rem;color:var(--slate)}
section{padding:84px 0}
.band{background:var(--mist-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.intro{max-width:760px;margin-bottom:40px}
.intro p{font-size:1.12rem;color:#3B4A58}
.facts{background:var(--navy-deep);color:#D9E3EC;padding:18px 0}
.facts ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px 36px;justify-content:center;font-size:.98rem}
.facts li{display:flex;align-items:center;gap:10px}
.facts li::before{content:"";width:8px;height:8px;background:var(--green);border-radius:50%}
.pillars{display:grid;grid-template-columns:repeat(2,1fr);border-top:2px solid var(--navy)}
.pillar{padding:28px 32px 30px 0;border-bottom:1px solid var(--line)}
.pillar:nth-child(odd){border-right:1px solid var(--line)}
.pillar:nth-child(even){padding-left:32px}
.pillar h3{margin-bottom:.35em}
.pillar p{margin:0;color:#3B4A58}
.svc{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.svc article{background:#fff;border:1px solid var(--line);border-top:4px solid var(--green);padding:28px;display:flex;flex-direction:column}
.svc article p{color:#3B4A58;flex:1}
.svc article a{font-weight:600}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.taglist{list-style:none;margin:0 0 28px;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.taglist li{border:1px solid var(--line);background:#fff;padding:8px 14px;border-radius:999px;font-size:.95rem;color:var(--navy)}
.steps{counter-reset:s;list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.steps li{counter-increment:s;padding-top:18px;border-top:2px solid var(--navy)}
.steps li::before{content:counter(s);font-family:var(--serif);font-size:2.2rem;color:var(--steel);display:block;line-height:1;margin-bottom:10px}
.steps h3{font-size:1.15rem}
.steps p{color:#3B4A58;margin:0}
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
blockquote{margin:0;padding:26px 26px 22px;background:#fff;border-left:4px solid var(--green)}
blockquote p{font-family:var(--serif);font-size:1.12rem;color:var(--ink)}
blockquote footer{font-size:.93rem;color:var(--slate)}
.ph{background:#FFF7D6;outline:1px dashed #B89A2B;padding:0 3px}
.cta{background:var(--navy);color:#D9E3EC}
.cta h2{color:#fff}
.cta p{color:#D3DEE8}
.map{border:1px solid var(--line);width:100%;height:340px}
.pagehead{background:var(--navy);color:#D3DEE8;padding:64px 0 56px}
.pagehead h1{color:#fff;font-size:clamp(2rem,4vw,3rem);max-width:22ch}
.pagehead p{font-size:1.15rem;max-width:60ch;margin:0}
.crumbs{font-size:.9rem;margin-bottom:14px}
.crumbs a{color:#B9CCDD}
.prose{max-width:760px}
.prose h2{margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.4em}
.prose ul{padding-left:1.2em;max-width:68ch}
.prose li{margin-bottom:.4em}
.aside{background:var(--mist-2);border:1px solid var(--line);padding:26px;border-radius:var(--radius)}
.aside h3{font-size:1.15rem}
.twocol{display:grid;grid-template-columns:1fr 340px;gap:56px;align-items:start}
.note{font-size:.92rem;color:var(--slate)}
.prices{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.price{border:1px solid var(--line);border-top:4px solid var(--green);padding:28px;background:#fff}
.price .amt{font-family:var(--serif);font-size:2.6rem;color:var(--navy);line-height:1;margin:.2em 0}
.price .from{font-size:.9rem;color:var(--slate)}
.price ul{padding-left:1.1em;margin:16px 0 0}
.price li{margin-bottom:.45em}
form .grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{display:block;font-weight:600;font-size:.95rem;margin-bottom:6px;color:var(--navy)}
input,select,textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #AEBBC8;border-radius:var(--radius);background:#fff;color:var(--ink)}
textarea{min-height:140px;resize:vertical}
.full{grid-column:1/-1}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;color:var(--ink);font-size:.93rem}
.check input{width:auto;margin-top:4px}
.formmsg{margin-top:14px;font-weight:600}
.formmsg.ok{color:#1F6B3A}
.formmsg.err{color:#A1261B}
.ftr{background:var(--navy-deep);color:#BFCDDA;padding:56px 0 28px;font-size:.95rem}
.ftr a{color:#E3EAF1;text-decoration:none}
.ftr a:hover{text-decoration:underline;color:#fff}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
.ftr h2{font-family:var(--sans);font-size:.95rem;color:#fff;font-weight:600;margin-bottom:12px}
.ftr ul{list-style:none;margin:0;padding:0}
.ftr li{margin-bottom:8px}
.ftr address{font-style:normal;line-height:1.7}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:40px;padding-top:20px;font-size:.85rem;color:#9FB1C2}
.legal p{max-width:none;margin:0 0 6px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.card{display:flex;flex-direction:column;border:1px solid var(--line);background:#fff;text-decoration:none;color:var(--ink)}
.card img{width:100%;aspect-ratio:16/10;object-fit:cover}
.card .cb{padding:20px 22px 24px}
.card h2{font-size:1.25rem;margin-bottom:.45em}
.card p{color:#3B4A58;font-size:.97rem;margin:0 0 .7em}
.card:hover h2{text-decoration:underline}
.article{max-width:740px}
.article img{margin:28px 0;border-radius:var(--radius)}
.article h2{margin-top:1.6em;font-size:1.7rem}
.article h3{margin-top:1.4em}
.article ul,.article ol{padding-left:1.3em;max-width:68ch}
.article li{margin-bottom:.5em}
.article li p{margin:0}
.article blockquote{margin:24px 0}
.cover{width:100%;max-height:440px;object-fit:cover;border-radius:var(--radius);margin:0 0 32px}
.postcta{margin-top:48px}
@media (max-width:980px){
  .cards{grid-template-columns:1fr 1fr}
  .hero-grid,.split,.twocol{grid-template-columns:1fr}
  .svc,.quotes,.prices,.steps{grid-template-columns:1fr}
  .pillars{grid-template-columns:1fr}
  .pillar,.pillar:nth-child(even){padding:24px 0;border-right:0}
  .ftr-grid{grid-template-columns:1fr 1fr}
  .navbtn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy-deep);flex-direction:column;align-items:stretch;padding:8px 24px 20px;border-top:1px solid rgba(255,255,255,.12)}
  .nav.open{display:flex}
  .nav>ul{flex-direction:column}
  .nav .sub{display:block;position:static;background:none;border:0;box-shadow:none;padding:0 0 0 14px;min-width:0}
  .nav .sub a{color:#C9D6E2}
  .nav .sub a:hover{background:rgba(255,255,255,.07);color:#fff}
  .hdr .btn{margin:10px 0 0;text-align:center}
}
@media (max-width:600px){
  section{padding:60px 0}
  .hero{padding:56px 0 64px}
  form .grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr}
  .ftr-grid{grid-template-columns:1fr}
  .ledger .row{grid-template-columns:1fr;gap:2px}
  .hdr .wrap{min-height:88px}
  .brand img{height:66px}
}
/* mobile flow */
.mbar{display:none}
@media (max-width:980px){.nav{max-height:calc(100vh - 88px);overflow-y:auto}}
@media (max-width:700px){
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 18px rgba(7,45,74,.12)}
  .mbar a{flex:1;text-align:center;padding:13px 8px;font-size:1rem}
  body{padding-bottom:78px}
  body.menu-open .mbar{display:none}
}
@media (max-width:600px){
  .wrap{padding:0 20px}
  .hdr .wrap{min-height:72px}
  .brand img{height:52px}
  .nav{max-height:calc(100vh - 72px)}
  .hero h1{font-size:2.1rem}
  .hero .lede{font-size:1.08rem}
  .hero .btnrow .btn,.cta .btnrow .btn{width:100%;text-align:center}
  .ledger{padding:24px 22px 20px}
  .facts ul{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;justify-content:start;font-size:.92rem}
  .pagehead{padding:44px 0 40px}
  .pagehead h1{font-size:1.9rem}
  .ftr li{margin-bottom:12px}
  .map{height:260px}
}

/* client portal link */
.nav .portal{font-family:var(--serif);color:#E3EAF1;text-decoration:none;padding:9px 14px;margin-left:10px;border:1px solid rgba(255,255,255,.35);border-radius:var(--radius);font-size:.95rem;white-space:nowrap}
.nav .portal:hover{color:#fff;border-color:var(--green)}
@media (max-width:980px){.nav .portal{margin:12px 0 0;text-align:center}}