:root{
  --navy:#011E48; --navy-2:#0A2A5C; --navy-ink:#0B1F3F;
  --orange:#F47B20; --orange-dk:#D9650F;
  --cream:#F6F2EA; --white:#fff; --line:#E4DDD0;
  --muted:#5A6577; --muted-on-navy:#B9C4D6;
  --display:'Fraunces','Georgia',serif; --body:'Figtree','Helvetica Neue',Arial,sans-serif;
  --r:16px; --wrap:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--body);color:var(--navy-ink);background:var(--cream);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
h1,h2,h3{font-family:var(--display);line-height:1.1;letter-spacing:-.01em;color:var(--navy)}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--orange)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:700 16px/1 var(--body);padding:16px 26px;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s,transform .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--orange);color:#fff}
.btn-primary:hover{background:var(--orange-dk)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn svg{width:18px;height:18px;flex:none}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px}

/* Header */
.top{background:var(--navy);border-bottom:1px solid rgba(255,255,255,.08)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand .mark{height:38px;width:auto}
.brand .divider{width:2px;height:36px;background:var(--orange)}
.brand .word{height:30px;width:auto}
.top-call{color:#fff;text-decoration:none;font-weight:700;display:flex;align-items:center;gap:10px}
.top-call span.ic{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--orange)}
.top-call svg{width:18px;height:18px}

/* Hero */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden;border-bottom:6px solid var(--orange)}
.hero::before{content:"";position:absolute;right:-180px;top:-160px;width:620px;height:620px;border-radius:50%;background:radial-gradient(closest-side,rgba(244,123,32,.18),transparent);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:64px;padding-bottom:72px;position:relative}
.hero h1{color:#fff;font-size:clamp(40px,6vw,68px);font-weight:700}
.hero h1 em{font-style:normal;color:var(--orange)}
.rule{width:120px;height:4px;background:var(--orange);border-radius:2px;margin:26px 0 22px}
.tagline{font-size:clamp(22px,2.6vw,28px);font-weight:700;line-height:1.25}
.tagline b{color:var(--orange)}
.hero .sub{color:var(--muted-on-navy);margin-top:10px;font-size:18px;max-width:34ch}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.badges{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:28px;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--orange)}
.badges span+span::before{content:"•";margin-right:18px;color:rgba(255,255,255,.35)}
.portrait{position:relative;justify-self:end;width:100%;max-width:400px}
.portrait .frame{border:3px solid var(--orange);border-radius:24px;overflow:hidden;background:#0d2a57;aspect-ratio:4/5}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 20%}
.portrait .name{position:absolute;left:18px;right:18px;bottom:-26px;background:var(--orange);border-radius:14px;padding:12px 16px;text-align:center;box-shadow:0 14px 30px rgba(0,0,0,.25)}
.portrait .name strong{display:block;font-family:var(--display);font-size:26px;color:var(--navy);line-height:1.1}
.portrait .name small{display:block;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--navy)}

/* Sections */
section{padding:88px 0}
.sec-head{max-width:640px;margin-bottom:40px}
.sec-head h2{font-size:clamp(30px,4vw,44px);margin-top:10px}
.sec-head h2::after{content:"";display:block;width:84px;height:4px;background:var(--orange);border-radius:2px;margin-top:16px}
.sec-head p{color:var(--muted);margin-top:16px;font-size:18px}

/* Who I help */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px 26px}
.card .ic{width:48px;height:48px;border-radius:12px;background:var(--navy);display:grid;place-items:center;margin-bottom:18px}
.card .ic svg{width:24px;height:24px;color:var(--orange)}
.card h3{font-size:23px;margin-bottom:8px}
.card p{color:var(--muted);font-size:16px}

/* Products */
.products{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.prod-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.prod{border-radius:20px;padding:36px 34px;position:relative}
.prod.dark{background:var(--navy);color:#fff}
.prod.dark::before{content:"";position:absolute;left:0;top:28px;bottom:28px;width:5px;background:var(--orange);border-radius:0 4px 4px 0}
.prod.light{background:var(--cream);border:1px solid var(--line)}
.prod .tag{display:flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}
.prod .tag::before{content:"";width:12px;height:12px;border-radius:50%;background:var(--orange)}
.prod.dark .tag{color:var(--orange)}
.prod.light .tag{color:var(--muted)}
.prod h3{font-size:clamp(28px,3vw,36px);margin:12px 0 10px}
.prod.dark h3{color:#fff}
.prod p.lead{font-size:17px}
.prod.dark p.lead{color:var(--muted-on-navy)}
.prod.light p.lead{color:var(--muted)}
.prod ul{list-style:none;margin-top:20px;display:grid;gap:10px}
.prod li{display:flex;gap:12px;font-weight:500}
.prod li svg{flex:none;width:20px;height:20px;margin-top:3px;color:var(--orange)}
.also{margin-top:26px;color:var(--navy);font-size:17px;text-align:center}
.prod-grid.three{grid-template-columns:repeat(3,1fr)}
.prod-grid.three .prod{padding:30px 28px}
.prod-grid.three h3{font-size:clamp(26px,2.6vw,32px)}

/* About */
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.about-photo{position:sticky;top:28px}
.about-copy .lead-in{font-size:20px;color:var(--navy);font-weight:600}
.about-copy .approach-label{color:var(--navy);font-weight:700;margin-top:26px}
.about-copy .values{margin-top:12px}
.about-copy .value{display:flex;align-items:center;min-height:72px}
.about-copy .pull{font-family:var(--display);font-size:clamp(22px,2.4vw,27px);line-height:1.3;color:var(--navy);border-left:4px solid var(--orange);padding-left:18px;margin-top:30px}
.signoff{margin-top:30px;padding-top:22px;border-top:1px solid var(--line);display:flex;flex-direction:column;gap:4px}
.signoff .welcome{font-family:var(--display);font-size:26px;color:var(--navy);line-height:1.2}
.signoff .tag2{font-weight:700;font-size:19px;color:var(--navy)}
.signoff .tag2 b{color:var(--orange)}
.signoff .sig{color:var(--muted);font-weight:600;margin-top:6px}
.about-photo{border-radius:22px;overflow:hidden;border:3px solid var(--navy);aspect-ratio:1/1;max-width:420px}
.about-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 18%}
.about-copy p{color:var(--muted);font-size:18px;margin-top:16px}
.about-copy p strong{color:var(--navy-ink)}
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:30px}
.value{border-top:4px solid var(--orange);background:#fff;border-radius:0 0 12px 12px;padding:16px 16px 18px;border-left:1px solid var(--line);border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.value b{display:block;font-family:var(--display);font-size:20px;color:var(--navy)}
.value span{font-size:14.5px;color:var(--muted)}

/* Quote */
.quote{background:var(--navy);color:#fff}
.quote-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.quote h2{color:#fff;font-size:clamp(32px,4vw,46px);margin-top:10px}
.quote .intro{color:var(--muted-on-navy);font-size:18px;margin-top:16px}
.contact-list{list-style:none;margin-top:32px;display:grid;gap:16px}
.contact-list a{display:flex;align-items:center;gap:14px;text-decoration:none;color:#fff;font-weight:600}
.contact-list .ic{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--orange);flex:none}
.contact-list svg{width:20px;height:20px}
.contact-list small{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted-on-navy);font-weight:700}
.contact-list .big{font-size:22px}
form{background:#fff;color:var(--navy-ink);border-radius:22px;padding:32px;box-shadow:0 24px 60px rgba(0,0,0,.28)}
form h3{font-size:26px;margin-bottom:4px}
form .hint{color:var(--muted);font-size:15px;margin-bottom:20px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.field label,.field legend{font-size:14px;font-weight:700;color:var(--navy)}
.field input,.field select,.field textarea{font:500 16px var(--body);color:var(--navy-ink);border:1.5px solid #CFD6E1;border-radius:10px;padding:13px 14px;background:#fff;width:100%;transition:border-color .2s,box-shadow .2s}
.field textarea{min-height:96px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(244,123,32,.2)}
fieldset.field{border:0}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips label{position:relative;cursor:pointer;font-weight:600;font-size:15px}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips span{display:inline-block;padding:10px 16px;border:1.5px solid #CFD6E1;border-radius:999px;color:var(--navy);transition:all .15s}
.chips input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.chips input:focus-visible+span{outline:3px solid var(--orange);outline-offset:2px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--muted);line-height:1.5;margin:6px 0 18px}
.consent input{margin-top:3px;width:18px;height:18px;accent-color:var(--orange);flex:none}
form .btn{width:100%;font-size:17px;padding:18px}
.form-msg{display:none;margin-top:14px;padding:14px 16px;border-radius:10px;font-weight:600;font-size:15px}
.form-msg.ok{display:block;background:#EAF6EE;color:#1F6B3A}
.form-msg.err{display:block;background:#FDECEC;color:#9B1C1C}
.hp{position:absolute;left:-9999px}

/* Footer */
footer{background:#00152F;color:var(--muted-on-navy);padding:40px 0 110px;font-size:13.5px}
footer .wrap{display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between;align-items:center}
footer img{height:54px;width:auto}
footer p{max-width:620px}

/* Mobile action bar */
.actionbar{position:fixed;left:0;right:0;bottom:0;z-index:50;display:none;grid-template-columns:1fr 1fr 1.3fr;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(1,30,72,.97);border-top:3px solid var(--orange);backdrop-filter:blur(8px)}
.actionbar a{display:flex;align-items:center;justify-content:center;gap:8px;padding:13px 6px;border-radius:12px;font-weight:700;font-size:15px;text-decoration:none;color:#fff;border:1.5px solid rgba(255,255,255,.3)}
.actionbar a.q{background:var(--orange);border-color:var(--orange)}
.actionbar svg{width:18px;height:18px}

@media (max-width:900px){
  body{font-size:16px}
  .top .wrap{height:84px;justify-content:center}
  .brand .mark{height:46px}.brand .word{height:36px}.brand .divider{height:44px}
  .top-call{display:none}
  .hero .wrap{grid-template-columns:1fr;gap:56px;padding-top:40px;padding-bottom:76px}
  .portrait{justify-self:center;max-width:330px;order:-1}
  .cards,.prod-grid,.prod-grid.three,.values{grid-template-columns:1fr}
  .about-grid,.quote-grid{grid-template-columns:1fr;gap:36px}
  .about-photo{max-width:300px;position:static}
  section{padding:64px 0}
  .actionbar{display:grid}
  form{padding:24px 20px}
}
@media (max-width:480px){
  .row{grid-template-columns:1fr;gap:0}
  .hero .ctas .btn{flex:1 1 100%}
  .brand{gap:12px}
  .brand .mark{height:40px}
  .brand .divider{height:38px}
  .brand .word{height:31px}
}
@media (max-width:600px){.badges{flex-direction:column;gap:6px}.badges span+span::before{display:none}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* ---------- Shared additions: nav, landing pages ---------- */
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;opacity:.88;padding:6px 0;border-bottom:2px solid transparent;transition:opacity .2s,border-color .2s}
.nav a:hover{opacity:1;border-bottom-color:var(--orange)}
.nav a[aria-current="page"]{opacity:1;border-bottom-color:var(--orange)}
.top .right{display:flex;align-items:center;gap:30px}
.subnav{display:none;background:var(--navy-2);border-bottom:1px solid rgba(255,255,255,.08)}
.subnav .wrap{display:flex;justify-content:center;gap:8px;padding-top:8px;padding-bottom:8px}
.subnav a{flex:1;max-width:220px;text-align:center;color:#fff;text-decoration:none;font-weight:600;font-size:14px;padding:9px 10px;border:1.5px solid rgba(255,255,255,.22);border-radius:999px}
.subnav a[aria-current="page"]{background:var(--orange);border-color:var(--orange)}
.more{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-weight:700;text-decoration:none;color:var(--orange-dk)}
.prod.dark .more{color:var(--orange)}
.more svg{width:16px;height:16px}
.more:hover{text-decoration:underline}

.lp-hero{background:var(--navy);color:#fff;position:relative;overflow:hidden;border-bottom:6px solid var(--orange)}
.lp-hero::before{content:"";position:absolute;left:-200px;top:-220px;width:620px;height:620px;border-radius:50%;background:radial-gradient(closest-side,rgba(244,123,32,.16),transparent);pointer-events:none}
.lp-hero .wrap{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start;padding-top:56px;padding-bottom:64px;position:relative}
.lp-hero h1{color:#fff;font-size:clamp(36px,4.6vw,56px);font-weight:700;margin-top:14px}
.lp-hero h1 em{font-style:normal;color:var(--orange)}
.lp-hero .sub{color:var(--muted-on-navy);font-size:18.5px;margin-top:18px;max-width:40ch}
.lp-hero .checks{list-style:none;display:grid;gap:12px;margin-top:26px}
.lp-hero .checks li{display:flex;gap:12px;font-weight:500;font-size:17px}
.lp-hero .checks svg{flex:none;width:22px;height:22px;color:var(--orange);margin-top:2px}
.lp-hero .tagline{margin-top:28px}
.agent-chip{display:flex;align-items:center;gap:14px;margin-top:30px;padding:12px 16px 12px 12px;border:1px solid rgba(255,255,255,.16);border-radius:14px;max-width:420px;background:rgba(255,255,255,.04)}
.agent-chip img{width:56px;height:56px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:2px solid var(--orange)}
.agent-chip b{display:block;font-family:var(--display);font-size:19px;color:#fff;line-height:1.2}
.agent-chip span{font-size:13.5px;color:var(--muted-on-navy)}
.lp-hero form{scroll-margin-top:20px}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px 26px;position:relative}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--orange);color:#fff;font-family:var(--display);font-size:20px;font-weight:700;margin-bottom:16px}
.step h3{font-size:22px;margin-bottom:6px}
.step p{color:var(--muted);font-size:16px}
.steps.four{grid-template-columns:repeat(4,1fr)}

.fit-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 28px;list-style:none}
.fit-grid li{display:flex;gap:12px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;font-weight:500}
.fit-grid svg{flex:none;width:20px;height:20px;color:var(--orange);margin-top:3px}
.fit-grid b{color:var(--navy)}

.notice{background:#FFF7EF;border:1px solid #F6D2B3;border-left:5px solid var(--orange);border-radius:12px;padding:22px 24px;margin-top:34px}
.notice h3{font-size:21px;margin-bottom:6px}
.notice p{color:#4A4F5C;font-size:16px}
.notice p+p{margin-top:8px}

.faq{display:grid;gap:12px;max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 22px}
.faq summary{cursor:pointer;list-style:none;padding:18px 30px 18px 0;font-weight:700;color:var(--navy);font-size:17px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:24px;color:var(--orange);font-weight:600}
.faq details[open] summary::after{content:"\2212"}
.faq details p{color:var(--muted);padding-bottom:18px;font-size:16px}

.cta-band{background:var(--navy);color:#fff;border-radius:22px;padding:40px 36px;display:flex;flex-wrap:wrap;gap:22px;align-items:center;justify-content:space-between}
.cta-band h2{color:#fff;font-size:clamp(26px,3vw,36px)}
.cta-band p{color:var(--muted-on-navy);margin-top:6px}
.cta-band .ctas{display:flex;flex-wrap:wrap;gap:12px}
section.tight{padding:72px 0}
.bg-white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:10px}
.foot-links a{color:#fff;text-decoration:none;font-weight:600}
.foot-links a:hover{text-decoration:underline}

@media (max-width:1100px){.nav{gap:18px}.nav a{font-size:14px}.top .right{gap:20px}}
@media (max-width:900px){
  .nav{display:none}
  .subnav{display:block}
  .lp-hero .wrap{grid-template-columns:1fr;gap:34px;padding-top:34px;padding-bottom:48px}
  .steps,.steps.four,.fit-grid{grid-template-columns:1fr}
  .cta-band{padding:30px 24px}
}
@media (max-width:900px){.top .right{display:none}}
.lp-hero .agent-chip a{text-decoration:none;font-weight:600}