:root{
  --red:#C8102E; --red-dark:#9E0B23; --navy:#1B2440; --navy-2:#243158;
  --gold:#F2B705; --cream:#FBF6EE; --ink:#2A2A33; --muted:#6B6B76;
  --radius:14px; --shadow:0 10px 30px rgba(27,36,64,.12);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}
img{max-width:100%;display:block}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
h1,h2,h3,h4{font-weight:800;line-height:1.15;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3.4rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem);margin:0 0 .6em}
h3{font-size:1.15rem;margin:1.2em 0 .4em}
.center{text-align:center}
.lead{color:var(--muted);max-width:640px;margin:0 auto 2rem}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);box-shadow:0 2px 12px rgba(0,0,0,.25)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}
.brand{font-size:1.35rem;font-weight:900;color:#fff;letter-spacing:.02em}
.brand span{color:var(--gold)}
.brand:hover{text-decoration:none}
.site-nav{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.site-nav a{color:#E8EAF2;font-weight:600;font-size:.92rem}
.site-nav a:hover,.site-nav a.active{color:var(--gold);text-decoration:none}
.btn-nav{background:var(--red);color:#fff !important;padding:8px 16px;border-radius:999px}
.btn-nav:hover{background:var(--red-dark)}
.nav-toggle,.nav-label{display:none}
/* hero */
.hero{position:relative;background-size:cover;background-position:center 30%;color:#fff;overflow:hidden}
.hero.has-video{min-height:72vh;display:flex;align-items:center}
.hero-video{position:absolute;inset:0;pointer-events:none;z-index:0}
.hero-video iframe{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:100vw;height:56.25vw;min-height:72vh;min-width:128vh;border:0}
.hero-overlay,.hero-content{z-index:1}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(100deg,rgba(20,27,50,.88) 0%,rgba(20,27,50,.55) 55%,rgba(200,16,46,.35) 100%)}
.hero-content{position:relative;padding:96px 24px 88px;max-width:1120px}
.hero h1{color:#fff;max-width:16em}
.kicker{color:var(--gold);font-weight:800;text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;margin-bottom:.8em}
.hero-sub{max-width:38em;margin-top:1em;font-size:1.1rem;color:#EDEFF6}
.hero-cta{margin-top:1.8em}
/* buttons */
.btn{display:inline-block;background:var(--red);color:#fff;font-weight:700;padding:12px 26px;border-radius:999px;box-shadow:var(--shadow)}
.btn:hover{background:var(--red-dark);text-decoration:none}
.btn-ghost{background:transparent;border:2px solid #fff;box-shadow:none}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{background:transparent;border:2px solid var(--red);color:var(--red);box-shadow:none;margin:4px 6px 4px 0}
.btn-outline:hover{background:var(--red);color:#fff}
/* sections */
.section{padding:72px 0}
.section.alt{background:#fff}
.page-top{padding-top:56px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.img-stack{display:grid;gap:20px}
.img-stack img{border-radius:var(--radius);box-shadow:var(--shadow)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin:2rem 0}
.benefits div{background:var(--cream);border-radius:var(--radius);padding:26px}
.section.alt .benefits div{background:var(--cream)}
.benefits h3{margin-top:0;color:var(--red)}
/* cards */
.card{display:flex;flex-direction:column;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);color:var(--ink);transition:transform .18s ease}
.card:hover{transform:translateY(-4px);text-decoration:none}
.card-img{aspect-ratio:4/3;overflow:hidden}
.card-img img{width:100%;height:100%;object-fit:cover}
.card-body{padding:20px 22px 24px}
.card-body h3{margin:0 0 .4em}
.card-body p{font-size:.94rem;color:var(--muted)}
.card-link{display:inline-block;margin-top:.8em;color:var(--red);font-weight:700;font-size:.92rem}
.card.static{cursor:default}
.card.static:hover{transform:none}
/* prose */
.prose{max-width:820px;margin:0 auto}
.prose ul,.prose ol{margin:.6em 0 1.2em 1.4em}
.prose li{margin:.35em 0}
.prose p{margin:.8em 0}
.checks{list-style:none;margin-left:0 !important}
.checks li{padding-left:1.7em;position:relative}
.checks li:before{content:"★";color:var(--gold);position:absolute;left:0}
.photo-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin:2rem 0}
.photo-row img{border-radius:var(--radius);box-shadow:var(--shadow);aspect-ratio:4/3;object-fit:cover;width:100%}
.tag{display:inline-block;background:var(--gold);color:var(--navy);font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;padding:4px 10px;border-radius:999px;vertical-align:middle;margin-left:8px}
.pricebox{background:#fff;border-left:5px solid var(--gold);padding:18px 22px;border-radius:8px;box-shadow:var(--shadow)}
.callout{background:var(--navy);color:#E8EAF2;border-radius:var(--radius);padding:28px 30px;margin-top:2.5rem}
.callout h3{color:var(--gold);margin-top:0}
.callout a{color:var(--gold)}
.bigphone a{font-size:2rem;font-weight:900;color:var(--navy)}
/* faq */
.faq details{background:#fff;border-radius:10px;box-shadow:var(--shadow);margin:.6em 0;padding:0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 20px;list-style-position:inside}
.faq details[open] summary{border-bottom:1px solid #eee}
.faq details p{padding:14px 20px 18px}
.faq h2{margin-top:2em}
/* team */
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-bottom:2.5rem}
.member img{border-radius:var(--radius);aspect-ratio:1;object-fit:cover;width:100%;box-shadow:var(--shadow)}
.member h3{margin:.8em 0 .3em}
.member p{font-size:.94rem;color:var(--muted)}
/* legal */
.legal ol li{margin-bottom:1em}
.sigblock{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin:3rem 0 1rem}
.sigblock div{border-top:2px solid var(--ink);padding-top:6px;font-size:.85rem;color:var(--muted)}
.sigblock div span{display:block}
/* cta band */
.cta-band{background:linear-gradient(100deg,var(--red) 0%,var(--red-dark) 100%);color:#fff;text-align:center;padding:64px 0}
.cta-band h2{color:#fff;max-width:22em;margin:0 auto 1em}
/* footer */
.site-footer{background:var(--navy);color:#B9BFD4;padding:56px 0 40px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}
.site-footer h4{color:#fff;margin-bottom:.8em}
.site-footer a{display:block;color:#B9BFD4;margin:.35em 0}
.site-footer a:hover{color:var(--gold)}
.brand-foot{font-size:1.2rem;font-weight:900;color:#fff}
.brand-foot span{color:var(--gold)}
.copyright{margin-top:1em;font-size:.8rem}
/* responsive */
@media (max-width:900px){
  .split,.grid-3,.team,.footer-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
  .nav-label{display:flex;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
  .nav-label span{width:26px;height:3px;background:#fff;border-radius:2px}
  .site-nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:flex-start;padding:16px 24px 24px;gap:14px}
  .nav-toggle:checked ~ .site-nav{display:flex}
  .hero-content{padding:64px 24px}
}
@media print{.site-header,.site-footer,.cta-band,.print-note{display:none}body{background:#fff}}