/* Advocates for Benefits — prototype design system */
:root{
  --navy:#0B1B33; --navy-2:#071225; --navy-3:#13294B; --gold:#C9A45C; --gold-2:#B08B43; --gold-soft:#F3EAD6;
  --red:#B3262E; --ivory:#F7F4EE; --paper:#FFFFFF; --ink:#0F172A; --slate:#334155; --muted:#5B6474; --line:#E5E1D8;
  --radius:14px; --shadow:0 1px 2px rgba(11,27,51,.06),0 10px 30px -12px rgba(11,27,51,.18);
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif; --sans:Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1200px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:18px;line-height:1.65;color:var(--slate);background:var(--paper);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block} a{color:inherit}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.4rem,5vw,4rem)} h2{font-size:clamp(1.9rem,3.4vw,2.8rem)} h3{font-size:1.35rem}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font:600 .78rem/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-2);margin-bottom:18px}
.eyebrow::before{content:"";width:28px;height:1px;background:currentColor}
.on-dark .eyebrow{color:var(--gold)}
.lead{font-size:1.15rem;color:var(--muted);max-width:720px}
.center{text-align:center} .center .lead{margin-left:auto;margin-right:auto} .center .eyebrow::after{content:"";width:28px;height:1px;background:currentColor}
.section{padding:104px 0} .section.tight{padding:72px 0}
.bg-ivory{background:var(--ivory)}
.on-dark{background:var(--navy);color:#C9D3E3} .on-dark h1,.on-dark h2,.on-dark h3{color:#fff} .on-dark .lead{color:#AEBBD0}
.skip{position:absolute;left:-9999px} .skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:999}

/* prototype banner */
.proto{background:#FFF7E0;color:#6B4E00;font-size:.8rem;text-align:center;padding:6px 12px;border-bottom:1px solid #F0DFA8}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:600 1rem/1 var(--sans);padding:17px 28px;border-radius:999px;text-decoration:none;transition:transform .15s ease,box-shadow .2s ease,background .2s;border:1.5px solid transparent;cursor:pointer;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:linear-gradient(180deg,#D6B46E,var(--gold));color:var(--navy-2);box-shadow:0 8px 24px -10px rgba(201,164,92,.8)}
.btn-gold:hover{box-shadow:0 12px 28px -10px rgba(201,164,92,.95)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff} .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.06)}
.btn-navy{background:var(--navy);color:#fff} .btn-navy:hover{background:var(--navy-3)}
.btn-outline{border-color:var(--navy);color:var(--navy)} .btn-outline:hover{background:var(--navy);color:#fff}
.btn-lg{padding:20px 34px;font-size:1.08rem}
.btn .arr{transition:transform .2s} .btn:hover .arr{transform:translateX(3px)}

/* top bar + header */
.topbar{background:var(--navy-2);color:#AEBBD0;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:42px;gap:16px}
.topbar a{color:#fff;text-decoration:none} .topbar .tb-right{display:flex;gap:22px;align-items:center}
.topbar .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);display:inline-block;margin-right:8px;vertical-align:middle}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:84px;gap:24px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand img{height:58px;width:auto}
.brand .bn{font-family:var(--serif);font-weight:700;font-size:1.3rem;color:var(--navy);line-height:1.05;letter-spacing:-.01em}
.brand .bt{display:block;font:600 .66rem/1.2 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);margin-top:5px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav.main a{display:block;padding:10px 14px;font-size:.95rem;font-weight:500;color:var(--ink);text-decoration:none;border-radius:8px}
nav.main a:hover{background:var(--ivory)}
nav.main .has-dd{position:relative}
nav.main .has-dd>a::after{content:"";display:inline-block;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translate(-2px,-2px);margin-left:8px}
.dd{position:absolute;top:100%;left:-12px;min-width:560px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px;display:grid;grid-template-columns:1fr 1fr;gap:2px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.has-dd:hover .dd,.has-dd:focus-within .dd{opacity:1;visibility:visible;transform:none}
.dd a{padding:10px 12px} .dd a small{display:block;color:var(--muted);font-weight:400;font-size:.8rem}
.hdr-cta{display:flex;gap:10px;align-items:center}
.hdr-cta .btn{padding:14px 22px;font-size:.95rem}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:10px 12px;font:600 .9rem var(--sans);color:var(--navy)}

/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 600px at 85% -10%,rgba(201,164,92,.18),transparent 60%),radial-gradient(900px 500px at -10% 110%,rgba(179,38,46,.16),transparent 60%),linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);color:#C9D3E3}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1.2px);background-size:22px 22px;mask-image:linear-gradient(90deg,transparent,#000 55%,transparent);opacity:.7}
.hero::after{content:"";position:absolute;right:-8%;top:0;bottom:0;width:46%;background:repeating-linear-gradient(-12deg,rgba(255,255,255,.035) 0 26px,transparent 26px 52px);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.25fr .9fr;gap:64px;align-items:center;padding-top:96px;padding-bottom:110px}
.hero h1{color:#fff} .hero h1 em{font-style:italic;color:var(--gold);font-weight:500}
.hero .lead{color:#B9C5D8;font-size:1.22rem}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin:34px 0 30px}
.hero-checks{display:flex;flex-wrap:wrap;gap:10px 26px;list-style:none;padding:0;margin:0;font-size:.95rem;color:#D5DDEA}
.hero-checks li{display:flex;align-items:center;gap:9px}
.tick{width:20px;height:20px;border-radius:50%;background:rgba(201,164,92,.18);display:inline-grid;place-items:center;flex:none}
.tick::after{content:"";width:8px;height:4.5px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg) translate(1px,-1px)}
.review-card{background:linear-gradient(180deg,rgba(255,255,255,.08),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.14);border-radius:22px;padding:34px;box-shadow:0 30px 80px -30px rgba(0,0,0,.6);backdrop-filter:blur(6px)}
.review-card .rc-top{display:flex;align-items:center;gap:14px;margin-bottom:20px}
.review-card .rc-badge{width:52px;height:52px;border-radius:14px;background:var(--gold);display:grid;place-items:center;color:var(--navy-2);font:700 1.3rem var(--serif)}
.review-card h3{color:#fff;margin:0;font-size:1.45rem} .review-card .rc-sub{font-size:.85rem;color:#9FB0C9}
.review-card ul{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:13px}
.review-card li{display:flex;gap:12px;align-items:flex-start;color:#DCE3EE;font-size:.98rem;line-height:1.45}
.review-card .btn{width:100%}
.review-card .rc-foot{display:flex;justify-content:space-between;font-size:.8rem;color:#8E9FB9;margin-top:16px}

/* trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(5,1fr);gap:0}
.trust .t{padding:28px 18px;text-align:center;border-right:1px solid var(--line)} .trust .t:last-child{border-right:0}
.trust .t b{display:block;font-family:var(--serif);font-size:1.12rem;color:var(--navy);font-weight:600;margin-bottom:2px}
.trust .t span{font-size:.82rem;color:var(--muted)}
.trust a{color:var(--gold-2);font-weight:600}

/* cards grid */
.grid{display:grid;gap:24px} .g4{grid-template-columns:repeat(4,1fr)} .g3{grid-template-columns:repeat(3,1fr)} .g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 1px 2px rgba(11,27,51,.04);transition:transform .2s,box-shadow .2s,border-color .2s;text-decoration:none;display:flex;flex-direction:column}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#D9CFB9}
.card h3{margin-bottom:.4em} .card p{font-size:.98rem;color:var(--muted);margin-bottom:1.2em}
.card .more{margin-top:auto;font-weight:600;font-size:.92rem;color:var(--navy)} .card .more::after{content:" →";color:var(--gold-2)}
.icon{width:48px;height:48px;border-radius:12px;background:var(--gold-soft);display:grid;place-items:center;margin-bottom:20px;color:var(--gold-2)}
.icon svg{width:24px;height:24px}
.situation{border-top:3px solid var(--gold)}
.situation .q{font-family:var(--serif);font-size:1.3rem;color:var(--ink);font-weight:600;margin-bottom:.5em}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:52px}
.sec-head .lead{margin:0}

/* method */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s;position:relative;margin-top:56px}
.steps::before{content:"";position:absolute;top:30px;left:12%;right:12%;height:1px;background:linear-gradient(90deg,transparent,rgba(201,164,92,.6),transparent)}
.step{padding:0 22px;text-align:center;position:relative}
.step .n{width:60px;height:60px;border-radius:50%;margin:0 auto 24px;display:grid;place-items:center;font:600 1.35rem var(--serif);color:var(--navy-2);background:var(--gold);box-shadow:0 0 0 8px rgba(201,164,92,.14)}
.step h3{font-size:1.25rem} .step p{font-size:.97rem}

/* founder */
.founder{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:center}
.portrait{position:relative;aspect-ratio:4/5;border-radius:22px;background:linear-gradient(160deg,#1A3157,#0B1B33);display:grid;place-items:center;color:#8EA0BD;text-align:center;font-size:.9rem;overflow:hidden}
.portrait::after{content:"";position:absolute;inset:14px;border:1px solid rgba(201,164,92,.45);border-radius:14px}
.portrait .ph{padding:30px} .portrait .ph b{display:block;font:600 1.1rem var(--serif);color:#fff;margin-bottom:6px}
.portrait .tag{position:absolute;left:28px;bottom:28px;background:#fff;color:var(--navy);border-radius:12px;padding:14px 18px;text-align:left;box-shadow:var(--shadow);z-index:2}
.portrait .tag b{display:block;font:600 1.05rem var(--serif)} .portrait .tag span{font-size:.8rem;color:var(--muted)}
.creds{list-style:none;padding:0;margin:26px 0 32px;display:grid;gap:14px}
.creds li{display:flex;gap:14px;align-items:flex-start}
.creds .tick{background:var(--gold-soft);margin-top:3px} .creds .tick::after{border-color:var(--gold-2)}
blockquote.pull{font-family:var(--serif);font-size:1.4rem;line-height:1.45;color:var(--ink);border-left:3px solid var(--gold);padding-left:24px;margin:0 0 24px;font-style:italic}

/* testimonials marquee */
.marquee{position:relative;overflow:hidden;margin-top:48px;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.track{display:flex;gap:24px;width:max-content;animation:scroll 60s linear infinite}
.marquee:hover .track,.marquee:focus-within .track{animation-play-state:paused}
@keyframes scroll{to{transform:translateX(calc(-50% - 12px))}}
.tcard{width:380px;flex:none;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:30px;position:relative}
.tcard .ph-label{position:absolute;top:16px;right:16px;font:700 .62rem/1 var(--sans);letter-spacing:.12em;background:#FFE7A3;color:#5C4300;padding:5px 8px;border-radius:6px}
.tcard .stars{color:var(--gold);letter-spacing:3px;font-size:.95rem;margin-bottom:14px}
.tcard p{color:#E2E8F1;font-family:var(--serif);font-size:1.1rem;line-height:1.5;margin-bottom:22px}
.tcard .who{display:flex;align-items:center;gap:12px;font-size:.88rem;color:#9FB0C9}
.tcard .av{width:40px;height:40px;border-radius:50%;background:var(--navy-3);border:1px solid rgba(201,164,92,.5);display:grid;place-items:center;color:var(--gold);font-weight:700;font-size:.85rem}
.tcard .who b{display:block;color:#fff;font-weight:600}
.disclaim{font-size:.8rem;color:#8E9FB9;margin-top:28px}
@media (prefers-reduced-motion:reduce){.track{animation:none}.marquee{overflow-x:auto}}

/* fees band */
.fees{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:24px;padding:56px;box-shadow:var(--shadow)}
.fee-list{display:grid;gap:16px}
.fee-item{display:flex;gap:16px;padding:18px 20px;border-radius:14px;background:var(--ivory)}
.fee-item .k{font:600 1.5rem var(--serif);color:var(--gold-2);min-width:34px}
.fee-item b{display:block;color:var(--ink)} .fee-item span{font-size:.92rem;color:var(--muted)}
.todo{display:inline-block;background:#FFF1C2;color:#6B4E00;font:600 .72rem var(--sans);padding:3px 8px;border-radius:6px;letter-spacing:.04em}

/* locations */
.loc-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:40px}
.loc{display:block;text-decoration:none;padding:22px;border:1px solid var(--line);border-radius:14px;background:#fff;transition:.2s}
.loc:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.loc b{display:block;font-family:var(--serif);font-size:1.12rem;color:var(--navy)} .loc span{font-size:.85rem;color:var(--muted)}
.loc.feat{background:var(--navy);border-color:var(--navy)} .loc.feat b{color:#fff} .loc.feat span{color:var(--gold)}

/* blog */
.post{padding:0;overflow:hidden}
.post .thumb{aspect-ratio:16/9;background:linear-gradient(135deg,var(--navy-3),var(--navy));position:relative;display:flex;align-items:flex-end;padding:18px}
.post .thumb::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(-12deg,rgba(255,255,255,.04) 0 18px,transparent 18px 36px)}
.post .cat{position:relative;font:600 .7rem var(--sans);letter-spacing:.14em;text-transform:uppercase;background:var(--gold);color:var(--navy-2);padding:6px 10px;border-radius:6px}
.post .body{padding:26px;display:flex;flex-direction:column;flex:1}
.post h3{font-size:1.2rem}

/* faq */
.faq{max-width:860px;margin:48px auto 0}
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:20px 0;font:600 1.18rem var(--serif);color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:400 1.6rem var(--sans);color:var(--gold-2);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);padding-right:40px}

/* final cta */
.final{position:relative;overflow:hidden;border-radius:28px;background:linear-gradient(120deg,var(--navy) 0%,var(--navy-3) 100%);padding:72px;display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:center}
.final::after{content:"";position:absolute;right:-60px;top:-60px;width:320px;height:320px;border-radius:50%;border:1px solid rgba(201,164,92,.3);box-shadow:0 0 0 40px rgba(201,164,92,.05),0 0 0 80px rgba(201,164,92,.035)}
.final h2{color:#fff} .final p{color:#B9C5D8}
.final .acts{display:flex;flex-direction:column;gap:12px;position:relative;z-index:1}
.final .acts .btn{width:100%}

/* footer */
footer.site{background:var(--navy-2);color:#9FB0C9;font-size:.92rem;padding:80px 0 28px;margin-top:104px}
footer .fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px}
footer h4{font:600 .78rem var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:10px} footer a{text-decoration:none;color:#C9D3E3} footer a:hover{color:#fff}
footer .crest{background:#fff;border-radius:14px;padding:8px;display:inline-block;margin-bottom:18px} footer .crest img{height:80px}
footer .nap b{color:#fff}
footer .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:56px;padding-top:24px;font-size:.78rem;line-height:1.6;color:#7F90AB}

/* page hero (inner pages) */
.phero{background:linear-gradient(180deg,var(--navy),var(--navy-2));position:relative;overflow:hidden}
.phero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1.2px);background-size:22px 22px;mask-image:linear-gradient(90deg,transparent,#000 60%,transparent)}
.phero .wrap{position:relative;padding-top:72px;padding-bottom:80px}
.crumbs{font-size:.82rem;color:#8E9FB9;margin-bottom:22px} .crumbs a{color:#C9D3E3;text-decoration:none}
.phero h1{color:#fff;max-width:880px} .phero .lead{color:#B9C5D8}

/* free review page */
.fr-layout{display:grid;grid-template-columns:1.25fr .85fr;gap:56px;align-items:start;margin-top:-56px;position:relative;z-index:2}
.panel{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:44px}
.qc fieldset{border:0;padding:0;margin:0 0 28px}
.qc legend{font:600 1.12rem var(--serif);color:var(--ink);margin-bottom:12px}
.opts{display:flex;flex-wrap:wrap;gap:10px}
.opts label{position:relative}
.opts input{position:absolute;opacity:0}
.opts span{display:inline-block;padding:11px 18px;border:1.5px solid var(--line);border-radius:999px;font-size:.95rem;font-weight:500;color:var(--ink);cursor:pointer;transition:.15s;background:#fff}
.opts input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff}
.opts input:focus-visible+span{outline:3px solid var(--gold);outline-offset:2px}
.progress{height:6px;background:var(--ivory);border-radius:99px;overflow:hidden;margin-bottom:30px} .progress i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold),#E2C489);transition:width .3s}
.result{display:none;border-radius:16px;background:var(--ivory);border:1px solid #E8DCC2;padding:24px;margin-bottom:24px}
.result.show{display:block} .result h3{font-size:1.2rem;margin-bottom:.3em}
.result ul{margin:.6em 0 0;padding-left:1.1em;color:var(--slate);font-size:.97rem}
.note{font-size:.82rem;color:var(--muted);display:flex;gap:10px;align-items:flex-start;margin-top:16px}
.side-card{background:var(--navy);color:#C9D3E3;border-radius:22px;padding:36px;position:sticky;top:110px}
.side-card h3{color:#fff} .side-card ul{list-style:none;padding:0;margin:0 0 24px;display:grid;gap:12px;font-size:.96rem}
.side-card li{display:flex;gap:12px}
.side-card .divider{height:1px;background:rgba(255,255,255,.12);margin:26px 0}
.side-card .phone{font:600 1.5rem var(--serif);color:#fff;text-decoration:none}
.check-list{display:grid;grid-template-columns:1fr 1fr;gap:14px 28px;list-style:none;padding:0;margin:24px 0 0}
.check-list li{display:flex;gap:12px;align-items:flex-start}
.check-list .tick{background:var(--gold-soft);margin-top:3px} .check-list .tick::after{border-color:var(--gold-2)}
.timeline{display:grid;gap:0;margin-top:28px}
.tl{display:grid;grid-template-columns:56px 1fr;gap:20px;padding-bottom:28px;position:relative}
.tl:not(:last-child)::before{content:"";position:absolute;left:27px;top:56px;bottom:0;width:1px;background:var(--line)}
.tl .n{width:56px;height:56px;border-radius:50%;border:1.5px solid var(--gold);display:grid;place-items:center;font:600 1.2rem var(--serif);color:var(--gold-2);background:#fff}
.tl h3{font-size:1.15rem;margin:12px 0 .3em} .tl p{font-size:.97rem;color:var(--muted);margin:0}

/* responsive */
@media (max-width:1100px){
  nav.main{display:none} .menu-btn{display:block}
  nav.main.open{display:block;position:absolute;top:84px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 24px 24px}
  nav.main.open ul{flex-direction:column;align-items:stretch} nav.main.open .dd{position:static;opacity:1;visibility:visible;transform:none;min-width:0;box-shadow:none;border:0;padding:0 0 0 12px;grid-template-columns:1fr}
  .hero .wrap,.founder,.fees,.final,.fr-layout{grid-template-columns:1fr}
  .g4{grid-template-columns:repeat(2,1fr)} .steps{grid-template-columns:repeat(2,1fr);row-gap:44px} .steps::before{display:none}
  .trust .wrap{grid-template-columns:repeat(3,1fr)} .loc-grid{grid-template-columns:repeat(3,1fr)}
  footer .fgrid{grid-template-columns:1fr 1fr} .fr-layout{margin-top:32px} .side-card{position:static}
}
@media (max-width:680px){
  body{font-size:17px} .section{padding:72px 0}
  .topbar .tb-left{display:none} .hdr-cta .btn-gold{display:none} .brand img{height:46px} .brand .bn{font-size:1.1rem}
  .g4,.g3,.g2,.steps,.check-list{grid-template-columns:1fr} .trust .wrap{grid-template-columns:1fr 1fr} .trust .t{border-bottom:1px solid var(--line)}
  .loc-grid{grid-template-columns:1fr 1fr} .sec-head{flex-direction:column;align-items:flex-start}
  .fees,.final,.panel{padding:30px} .tcard{width:300px} footer .fgrid{grid-template-columns:1fr}
  .hero .wrap{padding-top:64px;padding-bottom:72px}
}
.sec-head>div{flex:1 1 56%} .sec-head>.lead{flex:1 1 44%}

/* ===== v2: inner pages, prose, hubs ===== */
.dd.wide{min-width:720px;grid-template-columns:1fr 1fr 1fr}
.dd .dd-h{grid-column:1/-1;font:600 .7rem var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);padding:6px 12px 2px}
.phero .hero-ctas{margin:28px 0 0}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:64px;align-items:start;padding:72px 0 24px}
.prose{font-size:1.05rem;color:var(--slate);max-width:760px}
.prose h2{font-size:1.85rem;margin:1.8em 0 .55em} .prose h2:first-child{margin-top:0}
.prose h3{font-size:1.3rem;margin:1.5em 0 .45em}
.prose p,.prose li{line-height:1.75}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em} .prose li{margin-bottom:.45em}
.prose li::marker{color:var(--gold-2)}
.prose a{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
.prose a:hover{color:var(--gold-2)}
.prose table{width:100%;border-collapse:collapse;margin:1.2em 0 1.6em;font-size:.95rem;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.prose th{background:var(--navy);color:#fff;text-align:left;font-weight:600;padding:12px 14px}
.prose td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top}
.prose tr:nth-child(even) td{background:#FBFAF6}
.callout{border-left:4px solid var(--gold);background:var(--ivory);border-radius:0 14px 14px 0;padding:20px 24px;margin:1.6em 0}
.callout b:first-child{display:block;font-family:var(--serif);font-size:1.1rem;color:var(--ink);margin-bottom:4px}
.callout.warn{border-color:var(--red);background:#FBF2F2}
.keybox{background:var(--navy);color:#D5DDEA;border-radius:18px;padding:28px 30px;margin:0 0 2em}
.keybox h2,.keybox h3{color:#fff;font-size:1.2rem!important;margin:0 0 .6em!important}
.keybox ul{margin:0;padding-left:1.1em} .keybox li::marker{color:var(--gold)}
.inline-cta{display:flex;justify-content:space-between;align-items:center;gap:24px;background:linear-gradient(120deg,var(--navy),var(--navy-3));color:#C9D3E3;border-radius:18px;padding:28px 32px;margin:2.2em 0}
.inline-cta b{display:block;font:600 1.25rem var(--serif);color:#fff;margin-bottom:4px} .inline-cta p{margin:0;font-size:.95rem}
.prose .inline-cta a.btn{text-decoration:none;color:var(--navy-2)}
.aside{position:sticky;top:110px;display:grid;gap:20px}
.aside .side-card{position:static;padding:30px}
.aside .rel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px}
.aside .rel h4{font:600 .74rem var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);margin-bottom:12px}
.aside .rel ul{list-style:none;padding:0;margin:0;display:grid;gap:4px}
.aside .rel a{display:block;text-decoration:none;color:var(--ink);font-size:.95rem;padding:8px 10px;border-radius:8px} .aside .rel a:hover{background:var(--ivory)}
.aside .rel a::before{content:"›";color:var(--gold-2);margin-right:8px;font-weight:700}
.meta{display:flex;gap:18px;flex-wrap:wrap;font-size:.85rem;color:#9FB0C9;margin-top:18px}
.meta b{color:#fff;font-weight:600}
.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 24px;margin:0 0 2em}
.toc b{display:block;font:600 .74rem var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);margin-bottom:8px}
.toc ol{margin:0;padding-left:1.2em;font-size:.95rem} .toc a{text-decoration:none}
.sources{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);margin-top:2.4em;padding-top:1.2em}
.sources h3{font-size:1rem!important;margin-top:0!important}
.emblem{position:relative;aspect-ratio:4/5;border-radius:22px;overflow:hidden;background:radial-gradient(600px 400px at 70% 20%,rgba(201,164,92,.22),transparent 60%),linear-gradient(160deg,#1A3157,#071225)}
.emblem::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(-12deg,rgba(255,255,255,.035) 0 22px,transparent 22px 44px)}
.emblem::after{content:"";position:absolute;inset:14px;border:1px solid rgba(201,164,92,.45);border-radius:14px}
.emblem svg{position:absolute;left:50%;top:44%;transform:translate(-50%,-50%);width:58%;height:auto}
.emblem .cap{position:absolute;left:0;right:0;bottom:44px;text-align:center;color:#C9D3E3;font:500 .78rem var(--sans);letter-spacing:.2em;text-transform:uppercase}
.emblem .cap b{display:block;font:600 1.5rem var(--serif);letter-spacing:0;text-transform:none;color:#fff;margin-bottom:6px}
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tgrid .tcard{width:auto;background:#fff;border-color:var(--line)} .tgrid .tcard p{color:var(--ink)} .tgrid .tcard .who b{color:var(--ink)}
.map{border:0;width:100%;height:360px;border-radius:18px;filter:grayscale(.2)}
.nf{min-height:60vh;display:grid;place-items:center;text-align:center}
.hub-intro{max-width:820px}
@media (max-width:1100px){.layout{grid-template-columns:1fr}.aside{position:static}.tgrid{grid-template-columns:1fr 1fr}.dd.wide{grid-template-columns:1fr}}
@media (max-width:680px){.tgrid{grid-template-columns:1fr}.inline-cta{flex-direction:column;align-items:flex-start}.prose table{font-size:.85rem;display:block;overflow-x:auto}}
.prose .grid.g3{grid-template-columns:1fr 1fr} @media (max-width:680px){.prose .grid.g3{grid-template-columns:1fr}}
.prose a.btn{text-decoration:none}.prose a.btn-navy,.prose a.btn-navy:hover{color:#fff}.prose a.btn-gold,.prose a.btn-gold:hover{color:var(--navy-2)}.prose a.btn-outline{color:var(--navy)}.prose a.btn-outline:hover{color:#fff}
/* ---- v3 additions ---- */
.prose ul.cols2{columns:2;column-gap:32px}@media (max-width:680px){.prose ul.cols2{columns:1}}
.calc{display:grid;grid-template-columns:1.35fr 1fr;gap:32px;align-items:start}
.calc-in{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}
.calc-in h2{font-size:1.35rem;margin:28px 0 8px}.calc .small,.prose .small{font-size:.9rem;color:var(--muted)}
.crow{display:grid;grid-template-columns:110px 1fr 44px;gap:10px;margin-bottom:10px}
.crow select,.calc-grid input,.calc-grid select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font:500 1rem var(--sans);background:#fff;color:var(--ink)}
.crow .rm{border:1px solid var(--line);background:#fff;border-radius:10px;font-size:1.3rem;color:var(--muted);cursor:pointer}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 20px}.calc-grid label{font-weight:500;font-size:.95rem;display:flex;flex-direction:column;gap:6px}
.calc-grid label:has(input[type=checkbox]){flex-direction:row;align-items:center}
.calc-out{position:sticky;top:110px;background:var(--navy-2);color:#fff;border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}
.calc-out .big{font:700 4.6rem/1 var(--serif);color:var(--gold);margin:8px 0 4px}.calc-out .sub{color:#C9D3E3;font-size:.92rem;margin-bottom:6px}
.calc-out .money{margin:22px 0 4px;padding-top:18px;border-top:1px solid rgba(255,255,255,.15)}.calc-out .money b{font:700 2.2rem var(--serif);display:block}.calc-out .money span{color:#C9D3E3;font-size:.9rem}
.steps-list{font-size:.85rem;color:#C9D3E3;padding-left:18px;margin:14px 0 22px}.calc-out .tiny,.tiny{font-size:.78rem;color:#9FB0C8;margin:12px 0 0}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
@media (max-width:980px){.calc{grid-template-columns:1fr}.calc-out{position:static}.calc-grid{grid-template-columns:1fr}}
.downloads{display:flex;flex-wrap:wrap;gap:12px;align-items:center;background:var(--ivory);border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;margin:0 0 20px}
.downloads>div{flex:1 1 220px}.downloads b{display:block;font-family:var(--serif);font-size:1.15rem}.downloads span{color:var(--muted);font-size:.9rem}
.capture{border:1px dashed var(--line);border-radius:var(--radius);padding:18px 22px;margin:0 0 28px}.capture .row{display:flex;gap:10px;margin-top:10px;flex-wrap:wrap}
.capture input{flex:1 1 220px;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font:1rem var(--sans)}.capture .tiny{color:var(--muted)}
.stories{display:grid;gap:22px;margin:28px 0}.story{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.story .ph-label{position:absolute;top:16px;right:16px}.story-h{display:flex;gap:14px;align-items:center;margin-bottom:12px}.story-h b{display:block}.story-h span{color:var(--muted);font-size:.9rem}
.story .av{width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:700}
.story dt{font-weight:700;color:var(--navy);margin-top:10px}.story dd{margin:2px 0 0}.story blockquote{margin:16px 0 0;font-family:var(--serif);font-style:italic;font-size:1.1rem;border-left:3px solid var(--gold);padding-left:14px}
/* mega menu */
.dd.mega{min-width:820px;grid-template-columns:repeat(3,1fr);gap:8px 18px;left:auto;right:-140px}
.dd.mega .col{display:flex;flex-direction:column}.dd.mega .dd-h{grid-column:auto}
.lang{font-weight:600}
@media (max-width:1100px){.dd.mega{grid-template-columns:1fr 1fr;min-width:600px}}
@media (max-width:980px){nav.main.open .dd.mega{grid-template-columns:1fr;min-width:0}}
.story .ph-label{font:700 .62rem/1 var(--sans);letter-spacing:.12em;background:#FFE7A3;color:#5C4300;padding:5px 8px;border-radius:6px}
.calc-grid input[type=checkbox]{width:18px;height:18px;flex:0 0 auto;margin:0 4px 0 0}.calc-grid label:has(input[type=checkbox]){gap:10px}
.afford{background:var(--navy-2);color:#fff;border-radius:var(--radius);padding:30px 32px;margin:28px 0;box-shadow:var(--shadow);border-top:4px solid var(--gold)}
.prose .afford h3{color:#fff;font-size:1.6rem;margin:6px 0 10px}.afford p{color:#DCE3EE}.prose .afford .small{color:#9FB0C8;margin-bottom:0}
.afford-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}.afford-grid>div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:18px}
.afford-grid b{color:var(--gold);font-size:1.05rem}.afford-grid p{margin:6px 0 0;font-size:.95rem}
@media (max-width:680px){.afford-grid{grid-template-columns:1fr}}
.prose .afford p b,.prose .afford strong{color:#fff}.prose .afford-grid b{color:var(--gold)}