:root{
  --paper:#ECF0F6; --surface:#FFFFFF; --navy:#080F1E; --navy-2:#0D1A30;
  --ink:#0A1426; --body:#1F2B42; --muted:#55607A;
  --accent:#3D6FFF; --accent-text:#2A52D1; --accent-head:#4F77EE; --accent-soft:#7FA0FF;
  --on-dark:#D3DCF0; --on-dark-muted:#98A6C6;
  --line:rgba(11,22,40,.10); --line-strong:rgba(11,22,40,.16);
  --serif:'Cormorant Garamond',Georgia,serif;
  --sans:Rajdhani,'Arial Narrow',Arial,sans-serif;
  --gutter:80px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--body);font-family:var(--sans);font-size:19px;font-weight:500;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--accent-text);text-decoration:none}
a:hover{color:var(--ink)}
a:focus-visible,button:focus-visible{outline:2px solid var(--accent);outline-offset:3px}
img{max-width:100%;display:block}
h1,h2,h3{margin:0;color:var(--ink);font-family:var(--serif);font-weight:600;line-height:1.08;text-wrap:balance}
p{margin:0;text-wrap:pretty}
.wrap{max-width:1440px;margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:var(--accent);color:#fff;padding:8px 12px;z-index:100}

/* labels + buttons */
.eyebrow{font-size:13px;font-weight:700;letter-spacing:3.3px;text-transform:uppercase;color:var(--accent-text)}
.label{font-size:13px;font-weight:700;letter-spacing:2.6px;text-transform:uppercase}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 38px;border-radius:2px;font-size:13px;font-weight:700;letter-spacing:2.6px;text-transform:uppercase;transition:background .2s,border-color .2s,color .2s}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:#2A52D1;color:#fff}
.btn-outline{border:1px solid rgba(127,160,255,.55);color:var(--accent-soft)}
.btn-outline:hover{border-color:#fff;color:#fff}
.link-arrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:2.6px;text-transform:uppercase;border-bottom:1px solid rgba(42,82,209,.35);padding-bottom:4px}
.btn-row{display:flex;flex-wrap:wrap;gap:16px}

/* header */
.site-header{background:rgba(8,15,30,.97);border-bottom:1px solid rgba(127,160,255,.14);position:sticky;top:0;z-index:50;backdrop-filter:blur(8px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:18px;padding-bottom:18px}
.brand{display:flex;align-items:center;gap:14px;color:#fff}
.brand:hover{color:#fff}
.brand-mark{width:72px;height:auto;display:block}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-weight:700;font-size:17px;letter-spacing:3px}
.brand-sub{font-size:11px;letter-spacing:6px;color:var(--on-dark);font-weight:600}
.nav{display:flex;align-items:center;gap:26px;white-space:nowrap}
.nav-home{display:none}
.nav a{font-size:12px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:var(--on-dark)}
.nav a:hover,.nav a[aria-current="page"]{color:#fff}
.nav a[aria-current="page"]{border-bottom:2px solid var(--accent);padding-bottom:4px}
.nav .btn{color:#fff;min-height:44px;padding:0 20px;white-space:nowrap}
.nav .btn:hover{color:#fff}
.menu-toggle{display:none;background:none;border:0;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer;color:#fff}

/* sections */
section{padding:120px 0}
.divider{background:var(--paper)}
.grad-down{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.stack{display:flex;flex-direction:column;gap:22px}
.two-col{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:90px;align-items:center}
.two-col.top{align-items:start}
.two-col.photo-col{grid-template-columns:420px minmax(0,1fr)}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:60px;margin-bottom:56px}
.section-head .aside{max-width:480px}
h2{font-size:52px}
h2.sm{font-size:46px}

/* dark bands: hero, page header, footer */
.hero,.page-header,.site-footer{background:var(--navy);color:var(--on-dark)}
.hero h1,.page-header h1{color:#fff;font-weight:500}
.hero .lede,.page-header .lede{color:#DCE4F5}
.hero .eyebrow,.page-header .eyebrow{color:var(--accent-soft)}
.hero{padding:140px 0 130px;background:radial-gradient(ellipse 70% 70% at 50% 0%,rgba(61,111,255,.26) 0%,rgba(8,15,30,0) 70%),var(--navy);text-align:center}
.hero .stack{align-items:center;gap:30px}
.hero .kicker{font-size:15px;letter-spacing:3.3px;text-transform:uppercase;color:var(--on-dark)}
.hero h1{font-size:76px;line-height:1.05;letter-spacing:.5px;max-width:1000px}
.hero h1 span{color:var(--accent-soft)}
.hero .lede{max-width:680px;font-size:21px;line-height:1.55}
.hero .btn-row{justify-content:center;margin-top:14px}
.hero .calc-link{font-size:15px;font-weight:600;color:var(--accent-soft);letter-spacing:1px;border-bottom:1px solid rgba(127,160,255,.45);padding-bottom:2px}
.hero .calc-link:hover{color:#fff;border-color:#fff}
.page-header{padding:110px 0 96px;background:radial-gradient(ellipse 60% 80% at 15% 0%,rgba(61,111,255,.22) 0%,rgba(8,15,30,0) 70%),var(--navy)}
.page-header h1{font-size:68px;max-width:1000px}
.page-header .lede{max-width:720px;font-size:21px;line-height:1.55}

/* photo */
.photo{width:100%;max-width:420px;aspect-ratio:4/5;background:linear-gradient(160deg,#E4EAF6 0%,#D3DCEE 100%);border:1px dashed rgba(42,82,209,.35);border-radius:2px;display:flex;align-items:center;justify-content:center;text-align:center;padding:20px;color:var(--accent-text)}
.photo:has(img){border:0;padding:0;background:none}
.photo img{width:100%;height:100%;object-fit:cover;object-position:50% 20%;border-radius:2px}

/* principles */
.principles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line-strong);border:1px solid var(--line-strong)}
.principle{background:var(--surface);padding:40px 32px;display:flex;flex-direction:column;gap:14px}
.grad-down .principle{background:var(--paper)}
.principle .num{font-family:var(--serif);font-size:40px;line-height:1;color:var(--accent)}
.principle h3{font-size:27px;line-height:1.15;color:var(--accent-head)}
.principle p{font-size:18px}
.principles.titles{text-decoration:none;color:inherit;transition:border-color .2s}
.principles.titles:hover{border-color:var(--accent)}
.principles.titles:hover h3{color:var(--accent-text)}
.principles.titles .principle{padding:30px 28px}
.section-link{align-self:flex-end}
.principles.titles h3{font-size:25px}

/* steps */
.steps{list-style:none;margin:0;padding:0}
.steps li{display:grid;grid-template-columns:56px minmax(0,1fr);gap:18px;padding:22px 0;border-top:1px solid var(--line-strong)}
.steps li:last-child{border-bottom:1px solid var(--line-strong)}
.steps .n{font-family:var(--serif);font-size:34px;line-height:1;color:var(--accent)}
.steps strong{display:block;color:var(--accent-head);font-weight:700;font-size:19px;margin-bottom:4px}
.steps span.d{font-size:18px}

/* cards */
.card{background:var(--surface);border:1px solid var(--line-strong);border-radius:2px;padding:44px;box-shadow:0 1px 2px rgba(11,22,40,.04)}
.grad-down .card{background:var(--paper)}
.card-title{color:var(--ink);padding-bottom:20px;border-bottom:1px solid var(--line-strong)}
.criteria-row{display:grid;grid-template-columns:200px minmax(0,1fr);gap:24px;padding:24px 0;border-bottom:1px solid var(--line)}
.criteria-row .label{color:var(--accent-text);padding-top:3px}
.criteria-row span:last-child{color:var(--ink)}
.contact-line{color:var(--ink)}

/* form */
.form-card h3{font-size:34px;line-height:1.15;margin-bottom:8px;color:var(--accent-head)}
.form-embed{min-height:700px;background:#fff;border-radius:8px;overflow:hidden}
.form-embed iframe{display:block;width:100%;min-height:700px;border:0}
.form-note{font-size:15px;text-align:center;margin-top:16px}

/* faq */
.faq{border-bottom:1px solid var(--line-strong)}
.faq-item{display:grid;grid-template-columns:5fr 7fr;gap:60px;padding:30px 0;border-top:1px solid var(--line-strong)}
.faq-item h3{font-size:27px;line-height:1.2;color:var(--accent-head)}
.faq-item>div>p+p{margin-top:14px}

/* footer */
.site-footer{padding:70px 0 50px}
.footer-top{display:flex;justify-content:space-between;align-items:flex-start;gap:60px;margin-bottom:36px}
.footer-brand{color:#fff}
.footer-cols{display:flex;gap:60px;font-size:16px}
.footer-cols div{display:flex;flex-direction:column;gap:6px}
.footer-cols a,.footer-cols span{color:var(--on-dark)}
.footer-cols a:hover{color:#fff}
.tagline{font-family:var(--serif);font-style:italic;font-size:22px;color:var(--on-dark)}
.disclaimer{font-size:13px;line-height:1.6;color:var(--on-dark-muted);max-width:1100px;margin-bottom:24px}
.copyright{font-size:12px;letter-spacing:2.2px;color:var(--on-dark-muted)}
.placeholder{color:var(--accent-text)}
.site-footer .placeholder,.footer-cols .placeholder{color:var(--accent-soft)}
.show-sm{display:none}

/* responsive */
@media (max-width:1300px){
  .nav-home{display:block}
  .menu-toggle{display:inline-flex}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);border-bottom:1px solid rgba(127,160,255,.14);padding:8px 20px 20px}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid rgba(127,160,255,.12)}
  .nav a[aria-current="page"]{padding-bottom:14px;border-bottom:1px solid rgba(127,160,255,.12);color:var(--accent-soft)}
  .nav .btn{margin-top:16px;border-bottom:0}
}
@media (max-width:1100px){
  :root{--gutter:40px}
  .principles{grid-template-columns:repeat(2,minmax(0,1fr))}
  .hero h1{font-size:60px}
  .page-header h1{font-size:56px}
  .two-col{gap:60px}
}
@media (max-width:860px){
  :root{--gutter:20px}
  body{font-size:17px}
  section{padding:72px 0}
  .menu-toggle{display:inline-flex}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);border-bottom:1px solid rgba(127,160,255,.14);padding:8px 20px 20px}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid rgba(127,160,255,.12)}
  .nav a[aria-current="page"]{padding-bottom:14px;border-bottom:1px solid rgba(127,160,255,.12);color:var(--accent-soft)}
  .nav .btn{margin-top:16px;border-bottom:0}
  .header-inner{padding-top:12px;padding-bottom:12px}
  .brand-mark{width:52px}
  .brand-name{font-size:14px;letter-spacing:2.4px}
  .brand-sub{font-size:9px;letter-spacing:3px}
  .hide-sm{display:none}
  .show-sm{display:inline}
  .hero{padding:80px 0 76px}
  .hero h1{font-size:42px;line-height:1.08}
  .hero .lede,.page-header .lede{font-size:18px}
  .hero .btn-row,.btn-row{flex-direction:column;align-items:stretch;width:100%}
  .page-header{padding:68px 0 60px}
  .page-header h1{font-size:42px}
  h2,h2.sm{font-size:38px}
  .two-col,.two-col.top{grid-template-columns:1fr !important;gap:36px}
  .section-head{flex-direction:column;align-items:flex-start;gap:20px;margin-bottom:36px}
  .section-link{align-self:flex-start}
  .principles{grid-template-columns:1fr}
  .principle{padding:26px 22px}
  .photo{max-width:240px;aspect-ratio:1/1}
  .card{padding:28px 20px}
  .criteria-row{grid-template-columns:1fr;gap:4px;padding:18px 0}
  .faq-item{grid-template-columns:1fr;gap:10px;padding:24px 0}
  .faq-item h3{font-size:24px}
  .footer-top{flex-direction:column;gap:28px}
  .footer-cols{flex-direction:column;gap:20px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}