/* ============================================================
   RESET & VARIABLES
   ============================================================ */
*{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1C2E4A;--navy-d:#111E31;
  --gold:#C8933A;--gold-l:#E8B86A;
  --cream:#F8F6F1;--cream-d:#EDEBE4;
  --white:#fff;--text:#1A1A1A;--mid:#444;--muted:#717171;
  --border:#DDD9D0;--border-l:#ECEAE4
}
body{font-family:'Inter',sans-serif;background:var(--cream);color:var(--text);-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}

/* ============================================================
   NAV
   ============================================================ */
nav{background:var(--navy-d);height:60px;display:flex;align-items:center;padding:0 2rem;justify-content:space-between;position:sticky;top:0;z-index:100}
.logo{font-family:'Playfair Display',serif;color:#fff;font-size:1.2rem;display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo-mark{width:28px;height:28px;background:var(--gold);border-radius:4px;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:600;color:var(--navy-d);font-family:'Inter',sans-serif}
.nav-links{display:flex;align-items:center;gap:.15rem;list-style:none}
.nav-links > li > a{color:rgba(255,255,255,.65);font-size:.85rem;padding:.4rem .75rem;border-radius:4px;display:block;transition:color .15s}
.nav-links > li > a:hover{color:#fff}
.nav-drop-btn{background:none;border:none;color:rgba(255,255,255,.65);font-size:.85rem;font-family:'Inter',sans-serif;cursor:pointer;display:flex;align-items:center;gap:.3rem;padding:.4rem .75rem;border-radius:4px;transition:color .15s;white-space:nowrap}
.nav-drop-btn:hover,.has-dropdown.open .nav-drop-btn{color:#fff}
.nav-arrow{font-size:.6rem;transition:transform .2s;display:inline-block}
.has-dropdown.open .nav-arrow{transform:rotate(180deg)}
.has-dropdown{position:relative}
.nav-dropdown{position:absolute;top:calc(100% + 10px);left:0;background:var(--navy-d);border:1px solid rgba(255,255,255,.1);border-radius:8px;padding:.4rem;min-width:210px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .18s,transform .18s,visibility .18s;z-index:200;list-style:none;box-shadow:0 8px 24px rgba(0,0,0,.4)}
.has-dropdown.open .nav-dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.nav-dropdown li a{display:block;padding:.55rem .85rem;font-size:.83rem;color:rgba(255,255,255,.65);border-radius:5px;transition:all .15s;white-space:nowrap}
.nav-dropdown li a:hover{color:#fff;background:rgba(255,255,255,.07)}
.nav-cta{background:var(--gold);color:var(--navy-d)!important;padding:.4rem 1.1rem!important;border-radius:4px;font-weight:500!important;white-space:nowrap}
.nav-cta:hover{background:var(--gold-l)!important;color:var(--navy-d)!important}
.nav-hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:.35rem;flex-shrink:0}
.nav-hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:all .25s}
.nav-hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0)}
.nav-hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb{background:var(--white);border-bottom:1px solid var(--border-l);padding:.75rem 2rem}
.bc{max-width:1080px;margin:0 auto;display:flex;align-items:center;gap:.5rem;font-size:.78rem;color:var(--muted)}
.bc a{color:var(--muted)}.bc a:hover{color:var(--navy)}.bc-sep{color:var(--border)}

/* ============================================================
   PAGE HEADER
   ============================================================ */
.page-header{background:var(--navy-d);padding:4rem 2rem 4.5rem}
.ph{max-width:1080px;margin:0 auto}
.eyebrow{display:inline-block;background:rgba(200,147,58,.15);color:var(--gold-l);font-size:.7rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;padding:.3rem .8rem;border-radius:999px;border:1px solid rgba(200,147,58,.25);margin-bottom:1.25rem}
.page-header h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(1.9rem,4vw,2.9rem);max-width:660px;line-height:1.2;margin-bottom:1rem}
.page-header .lead{color:rgba(255,255,255,.55);font-size:1rem;max-width:560px;line-height:1.75}
.header-meta{display:flex;align-items:center;gap:1.5rem;margin-top:1.5rem;flex-wrap:wrap}
.header-meta span{font-size:.78rem;color:rgba(255,255,255,.35);display:flex;align-items:center;gap:.35rem}

/* ============================================================
   MAIN CONTENT GRID (tab pages)
   ============================================================ */
.main{max-width:1080px;margin:0 auto;padding:3rem 2rem 5rem;display:grid;grid-template-columns:1fr 340px;gap:4rem;align-items:start}

/* ============================================================
   TABS
   ============================================================ */
.tabs-outer{display:flex;align-items:stretch;border-bottom:1px solid var(--border);margin-bottom:2rem}
.tab-arrow{background:none;border:none;padding:0 .5rem;color:var(--muted);cursor:pointer;font-size:1.1rem;flex-shrink:0;line-height:1}
.tab-arrow:hover{color:var(--navy)}
.tabs-outer .tabs-nav{flex:1;border-bottom:none;margin-bottom:0}
.tabs-nav{display:flex;gap:0;border-bottom:1px solid var(--border);margin-bottom:2rem;overflow-x:auto;scrollbar-width:none}
.tabs-nav::-webkit-scrollbar{display:none}
.tab-btn{background:none;border:none;border-bottom:2px solid transparent;padding:.65rem 1.1rem;font-family:'Inter',sans-serif;font-size:.82rem;font-weight:500;color:var(--muted);cursor:pointer;white-space:nowrap;margin-bottom:-1px;transition:all .15s}
.tab-btn:hover{color:var(--navy)}
.tab-btn.active{color:var(--navy-d);border-bottom-color:var(--gold)}
.tab-panel{display:none}
.tab-panel.active{display:block}

/* ============================================================
   TAB CONTENT TYPOGRAPHY
   ============================================================ */
.tab-panel h2{font-family:'Playfair Display',serif;color:var(--navy-d);font-size:1.35rem;margin:2rem 0 .75rem}
.tab-panel h2:first-child{margin-top:0}
.tab-panel h3{font-size:.95rem;font-weight:500;color:var(--navy);margin:1.5rem 0 .4rem}
.tab-panel p{font-size:.9rem;color:var(--mid);line-height:1.8;margin-bottom:.75rem}
.tab-panel p:last-child{margin-bottom:0}

/* ============================================================
   LISTS
   ============================================================ */
.check-list,.x-list{list-style:none;display:flex;flex-direction:column;gap:.65rem;margin:.25rem 0 1rem}
.check-list li,.x-list li{display:flex;align-items:flex-start;gap:.75rem;font-size:.875rem;color:var(--mid);line-height:1.6}
.check-list li::before{content:'✓';color:var(--gold);font-weight:600;flex-shrink:0;margin-top:2px}
.x-list li::before{content:'×';color:var(--muted);font-weight:500;flex-shrink:0;margin-top:2px}

/* ============================================================
   TABLES
   ============================================================ */
.tbl-wrap{overflow-x:auto;margin:1rem 0 1.5rem}
table{width:100%;border-collapse:collapse;font-size:.82rem}
th{background:var(--cream-d);color:var(--navy-d);font-weight:500;padding:.65rem .9rem;text-align:left;border-bottom:1px solid var(--border)}
td{padding:.6rem .9rem;border-bottom:1px solid var(--border-l);color:var(--mid);vertical-align:top}
tr:last-child td{border-bottom:none}
.td-strong{font-weight:500;color:var(--navy-d)}

/* ============================================================
   CALLOUT & WARNING
   ============================================================ */
.callout{background:var(--cream-d);border-left:3px solid var(--gold);border-radius:0 8px 8px 0;padding:1rem 1.25rem;margin:1.5rem 0;font-size:.85rem;color:var(--mid);line-height:1.7}
.callout strong{color:var(--navy-d);display:block;margin-bottom:.2rem}
.warning{background:#FFF8EE;border-left:3px solid #E8A020;border-radius:0 8px 8px 0;padding:1rem 1.25rem;margin:1.5rem 0;font-size:.85rem;color:#7A5010;line-height:1.7}
.warning strong{display:block;margin-bottom:.2rem;color:#5A3800}

/* ============================================================
   NUMBERED STEPS
   ============================================================ */
.steps{list-style:none;counter-reset:s;display:flex;flex-direction:column;gap:0;margin:.5rem 0}
.step{display:flex;gap:1.1rem;counter-increment:s;padding:1.1rem 0;border-bottom:1px solid var(--border-l)}
.step:last-child{border-bottom:none}
.sn{width:30px;height:30px;flex-shrink:0;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:500}
.sn::before{content:counter(s)}
.sb h4{font-size:.875rem;font-weight:500;color:var(--navy-d);margin-bottom:.25rem}
.sb p{font-size:.82rem;color:var(--muted);line-height:1.65;margin:0}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-list{display:flex;flex-direction:column}
.faq-item{border-bottom:1px solid var(--border-l)}
.faq-item:first-child{border-top:1px solid var(--border-l)}
.faq-q{font-size:.9rem;font-weight:500;color:var(--navy-d);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1.1rem 0;user-select:none}
.faq-q::after{content:'+';color:var(--gold);font-size:1.1rem;flex-shrink:0;font-weight:400}
.faq-item.open .faq-q::after{content:'−'}
.faq-a{font-size:.86rem;color:var(--muted);line-height:1.75;padding-bottom:1.1rem;display:none}
.faq-item.open .faq-a{display:block}

/* ============================================================
   SIDEBAR
   ============================================================ */
.sidebar{position:sticky;top:80px;display:flex;flex-direction:column;gap:1.25rem}
.card-box{background:var(--white);border:1px solid var(--border-l);border-radius:12px;padding:1.75rem}
.card-box h3{font-family:'Playfair Display',serif;font-size:1.1rem;color:var(--navy-d);margin-bottom:.3rem}
.card-box .sub{font-size:.8rem;color:var(--muted);margin-bottom:1.5rem;line-height:1.6}
.facts-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-top:.75rem}
.fact{background:var(--cream);border-radius:6px;padding:.85rem}
.fact-label{font-size:.68rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:.25rem}
.fact-value{font-size:.875rem;font-weight:500;color:var(--navy-d)}
.last-updated{font-size:.72rem;color:var(--muted);margin-top:1rem;display:flex;align-items:center;gap:.3rem}
.last-updated::before{content:'↻';font-size:.7rem}
.related-list{list-style:none;display:flex;flex-direction:column;gap:.6rem;margin-top:.75rem}
.related-list a{font-size:.84rem;color:var(--navy);display:flex;align-items:center;justify-content:space-between}
.related-list a:hover{color:var(--gold)}
.related-list a::after{content:'→';color:var(--muted);font-size:.8rem}

/* ============================================================
   FORMS
   ============================================================ */
.form-group{margin-bottom:1rem}
.form-label{display:block;font-size:.78rem;font-weight:500;color:var(--text);margin-bottom:.3rem}
.form-input{width:100%;padding:.65rem .9rem;border:1px solid var(--border);border-radius:4px;font-family:'Inter',sans-serif;font-size:.875rem;color:var(--text);background:var(--white);outline:none;transition:border-color .2s}
.form-input:focus{border-color:var(--navy)}
.form-input::placeholder{color:var(--muted)}
textarea.form-input{resize:vertical;min-height:110px}
.form-select{width:100%;padding:.65rem .9rem;border:1px solid var(--border);border-radius:4px;font-family:'Inter',sans-serif;font-size:.875rem;color:var(--text);background:var(--white);outline:none;appearance:none;cursor:pointer}
.form-select:focus{border-color:var(--navy)}
.btn-submit{width:100%;padding:.8rem;background:var(--gold);color:var(--navy-d);border:none;border-radius:4px;font-family:'Inter',sans-serif;font-size:.875rem;font-weight:500;cursor:pointer}
.btn-submit:hover{background:var(--gold-l)}
.form-privacy{font-size:.72rem;color:var(--muted);line-height:1.5;margin-top:.65rem;text-align:center}

/* ============================================================
   FOOTER (content pages)
   ============================================================ */
footer{background:var(--navy-d);padding:3rem 2rem 1.5rem}
.fi{max-width:1080px;margin:0 auto}
.fg{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.07)}
.footer-brand p{color:rgba(255,255,255,.4);font-size:.82rem;margin-top:.75rem;max-width:240px;line-height:1.7}
.fc h5{color:rgba(255,255,255,.4);font-size:.67rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;margin-bottom:1rem;font-family:'Inter',sans-serif}
.fc ul{list-style:none;display:flex;flex-direction:column;gap:.6rem}
.fc ul a{color:rgba(255,255,255,.55);font-size:.82rem}
.fc ul a:hover{color:#fff}
.fb{display:flex;justify-content:space-between;padding-top:1.5rem;flex-wrap:wrap;gap:1rem}
.fb p,.fb a{color:rgba(255,255,255,.3);font-size:.75rem}

/* ============================================================
   FOOTER (homepage)
   ============================================================ */
.footer-inner{max-width:1000px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;padding:3rem 0 2.5rem;border-bottom:1px solid rgba(255,255,255,.07)}
.footer-col h5{color:rgba(255,255,255,.4);font-size:.68rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;margin-bottom:1rem;font-family:'Inter',sans-serif}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:.6rem}
.footer-col ul a{color:rgba(255,255,255,.55);font-size:.82rem}
.footer-col ul a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;padding-top:1.5rem;flex-wrap:wrap;gap:1rem}
.footer-bottom p,.footer-bottom a{color:rgba(255,255,255,.3);font-size:.75rem}

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.content-wrap{max-width:1080px;margin:0 auto;padding:4rem 2rem 6rem;display:grid;grid-template-columns:1fr 320px;gap:4rem;align-items:start}
.prose h2{font-family:'Playfair Display',serif;color:var(--navy-d);font-size:1.35rem;margin:2.5rem 0 .75rem}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:.95rem;font-weight:500;color:var(--navy);margin:1.75rem 0 .4rem}
.prose p{font-size:.9rem;color:var(--mid);line-height:1.8;margin-bottom:.75rem}
.prose p:last-child{margin-bottom:0}
.divider{border:none;border-top:1px solid var(--border-l);margin:2.5rem 0}
.disclaimer{font-size:.78rem;color:var(--muted);line-height:1.65;padding-top:1.5rem;border-top:1px solid var(--border-l);margin-top:3rem}

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-wrap{max-width:1080px;margin:0 auto;padding:4rem 2rem 6rem;display:grid;grid-template-columns:1fr 480px;gap:5rem;align-items:start}
.left h2{font-family:'Playfair Display',serif;color:var(--navy-d);font-size:1.35rem;margin-bottom:.85rem}
.left p{font-size:.9rem;color:var(--mid);line-height:1.8;margin-bottom:.75rem}
.process-list{list-style:none;display:flex;flex-direction:column;gap:1.25rem;margin:2rem 0}
.process-item{display:flex;gap:1rem;align-items:flex-start}
.process-num{width:28px;height:28px;flex-shrink:0;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:500;margin-top:1px}
.process-body h4{font-size:.875rem;font-weight:500;color:var(--navy-d);margin-bottom:.2rem}
.process-body p{font-size:.82rem;color:var(--muted);line-height:1.6;margin:0}
.topic-cloud{display:flex;flex-wrap:wrap;gap:.5rem;margin:1.5rem 0}
.topic-tag{background:var(--cream-d);border:1px solid var(--border);border-radius:999px;padding:.3rem .85rem;font-size:.78rem;color:var(--mid)}
.form-card{background:var(--white);border:1px solid var(--border-l);border-radius:12px;padding:2rem}
.form-card h3{font-family:'Playfair Display',serif;font-size:1.2rem;color:var(--navy-d);margin-bottom:.35rem}
.form-card .sub{font-size:.82rem;color:var(--muted);margin-bottom:1.75rem;line-height:1.6}

/* ============================================================
   HOMEPAGE
   ============================================================ */
.inner{max-width:1000px;margin:0 auto}
.sec-label{font-size:.7rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.5rem;display:block}
.sec-head{margin-bottom:2rem}
.sec-head h2{font-family:'Playfair Display',serif;color:var(--navy-d);font-size:1.75rem;margin-top:.35rem}
.sec-head p{color:var(--muted);font-size:.95rem;margin-top:.6rem;max-width:600px;line-height:1.7}
.sec-head-row{display:flex;align-items:flex-end;justify-content:space-between}
.sec-head-row a{font-size:.85rem;color:var(--muted);flex-shrink:0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.hero{background:var(--navy-d);padding:7rem 2rem 6rem;text-align:center}
.hero h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(2rem,4.5vw,3.25rem);max-width:740px;margin:0 auto .9rem;line-height:1.2}
.hero p{color:rgba(255,255,255,.55);font-size:1.05rem;max-width:540px;margin:0 auto 2.5rem;line-height:1.7}
.hero-btns{display:inline-flex;gap:1rem;flex-wrap:wrap;justify-content:center}
.btn{display:inline-flex;align-items:center;gap:6px;padding:.75rem 1.75rem;border-radius:4px;font-size:.9rem;font-weight:500;cursor:pointer;border:none}
.btn-gold{background:var(--gold);color:var(--navy-d)}
.btn-gold:hover{background:var(--gold-l);color:var(--navy-d)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.25)}
.btn-ghost:hover{background:rgba(255,255,255,.07)}
.btn-outline{background:transparent;color:var(--navy);border:1px solid var(--border)}
.btn-outline:hover{border-color:var(--navy)}
.trust{background:var(--white);padding:1.25rem 2rem;border-bottom:1px solid var(--border)}
.trust-inner{max-width:1000px;margin:0 auto;display:flex;justify-content:center;gap:3rem;flex-wrap:wrap}
.trust-item{font-size:.82rem;color:var(--muted);display:flex;align-items:center;gap:.4rem}
.trust-item strong{color:var(--mid);font-weight:500}
.stats{background:var(--cream-d);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:2.5rem 2rem}
.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.stat{text-align:center;padding:0 2rem}
.stat+.stat{border-left:1px solid var(--border)}
.stat-num{font-family:'Playfair Display',serif;font-size:2.5rem;color:var(--navy-d);font-weight:500}
.stat-label{font-size:.82rem;color:var(--muted);margin-top:.3rem;line-height:1.5}
.diff{background:var(--navy);padding:5rem 2rem;text-align:center}
.diff .inner{max-width:720px}
.diff h2{font-family:'Playfair Display',serif;color:#fff;font-size:1.75rem;margin:.35rem 0 1.25rem}
.diff p{color:rgba(255,255,255,.55);font-size:.95rem;line-height:1.8}
.diff p+p{margin-top:.9rem}
.what{background:var(--white);padding:4.5rem 2rem}
.what-card{background:var(--cream);border:1px solid var(--border);border-radius:14px;padding:2rem 1.75rem}
.what-card h3{font-family:'Playfair Display',serif;font-size:1.15rem;color:var(--navy);margin-bottom:.75rem}
.what-card p{font-size:.875rem;color:var(--muted);line-height:1.7}
.topics{background:var(--cream-d);padding:3.5rem 2rem;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.topic{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:1.25rem;transition:border-color .2s;cursor:pointer;display:block}
.topic:hover{border-color:var(--gold)}
.topic-icon{font-size:1.4rem;margin-bottom:.75rem}
.topic h4{font-size:.9rem;font-weight:500;color:var(--navy);margin-bottom:.25rem}
.topic p{font-size:.78rem;color:var(--muted);line-height:1.5}
.faq{background:var(--cream);padding:4.5rem 2rem;border-top:1px solid var(--border)}
.closing{background:var(--navy-d);padding:5rem 2rem;text-align:center}
.closing h2{font-family:'Playfair Display',serif;color:#fff;font-size:1.75rem;margin-bottom:1rem}
.closing p{color:rgba(255,255,255,.5);font-size:.95rem;max-width:520px;margin:0 auto 2rem;line-height:1.7}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:860px){
  .main{grid-template-columns:1fr}
  .sidebar{position:static}
  .content-wrap{grid-template-columns:1fr}
  .contact-wrap{grid-template-columns:1fr;gap:3rem}
  .fg{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  .nav-hamburger{display:flex}
  .nav-links{
    display:none;flex-direction:column;gap:0;align-items:stretch;
    position:absolute;top:60px;left:0;right:0;
    background:var(--navy-d);border-top:1px solid rgba(255,255,255,.08);
    padding:.5rem 0 1rem;box-shadow:0 8px 24px rgba(0,0,0,.4)
  }
  .nav-links.open{display:flex}
  .nav-links > li > a{padding:.7rem 1.5rem;border-radius:0;font-size:.9rem}
  .nav-drop-btn{width:100%;padding:.7rem 1.5rem;font-size:.9rem;border-radius:0;justify-content:space-between}
  .has-dropdown .nav-dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;border-radius:0;background:rgba(255,255,255,.04);padding:.25rem 0;display:none;min-width:unset}
  .has-dropdown.open .nav-dropdown{display:block}
  .nav-dropdown li a{padding:.6rem 2.25rem;font-size:.85rem;border-radius:0}
  .grid-3,.grid-4,.stats-grid,.footer-grid{grid-template-columns:1fr}
  .stat+.stat{border-left:none;border-top:1px solid var(--border)}
  .hero-btns{flex-direction:column;align-items:center}
  .trust-inner{gap:1.25rem}
  .sec-head-row{flex-direction:column;align-items:flex-start;gap:.75rem}
}
@media(max-width:520px){
  .fg{grid-template-columns:1fr}
  .facts-grid{grid-template-columns:1fr}
  .tab-btn{padding:.65rem .75rem;font-size:.78rem}
}