:root{
  --navy:#071C2C;
  --navy-soft:#0D2B40;
  --ink:#102436;
  --muted:#566575;
  --ivory:#FBF8F3;
  --paper:#FFFFFF;
  --coral:#D95F55;
  --coral-soft:#F4D7D2;
  --teal:#77AFAE;
  --teal-soft:#E8F1F0;
  --gold:#B98C52;
  --line:#E3E0DA;
  --good:#1D745A;
  --shadow:0 24px 65px rgba(7,28,44,.10);
  --shadow-lg:0 36px 100px rgba(7,28,44,.17);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ivory);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility}
h1,h2,h3,h4{font-family:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;letter-spacing:-.04em;color:var(--navy);font-weight:700}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button,input,select,textarea{font:inherit}
.wrap{width:min(1180px,calc(100% - 46px));margin:auto}
.skip{position:fixed;top:-70px;left:16px;background:#fff;padding:10px 14px;border-radius:10px;z-index:100}.skip:focus{top:16px}
.header{position:sticky;top:0;z-index:80;background:rgba(251,248,243,.94);backdrop-filter:blur(18px);border-bottom:1px solid rgba(7,28,44,.06)}
.nav{height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:13px}
.brand-mark{width:48px;height:48px;border:1px solid rgba(7,28,44,.14);border-radius:50%;display:grid;place-items:center;color:var(--navy);font-family:Georgia,serif;font-size:1.05rem;font-weight:800;position:relative;background:#fff}
.brand-mark:after{content:"";position:absolute;width:9px;height:9px;border-radius:50%;background:var(--coral);right:4px;bottom:7px}
.brand-copy strong{display:block;font-family:Georgia,serif;font-size:1.08rem;letter-spacing:.03em;color:var(--navy)}
.brand-copy span{display:block;color:var(--teal);font-size:.69rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;margin-top:2px}
.navlinks{display:flex;align-items:center;gap:27px;font-size:.82rem;font-weight:760;color:#415364}
.navlinks a:hover,.navlinks a.active{color:var(--coral)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:4px;padding:14px 21px;font-weight:820;letter-spacing:.01em;cursor:pointer;transition:.2s}
.btn:hover{transform:translateY(-2px)}
.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid rgba(217,95,85,.25);outline-offset:3px}
.btn-primary{background:var(--coral);color:#fff}
.btn-dark{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-link{padding:0;background:none;color:var(--navy);border-bottom:1px solid currentColor;border-radius:0}
section{padding:112px 0}
.eyebrow{text-transform:uppercase;letter-spacing:.19em;font-size:.7rem;font-weight:900;color:var(--coral)}
.eyebrow.light{color:#f5b7af}
.section-head{max-width:720px;margin-bottom:48px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head h2{font-size:clamp(2.7rem,5vw,4.5rem);line-height:.98;margin:11px 0 15px}
.section-head p{font-size:1.03rem;color:var(--muted);margin:0}
.rule{width:56px;height:1px;background:var(--gold);margin:22px 0}

/* HOME HERO */
.hero{background:var(--ivory);position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0 0 0 57%;background:var(--navy)}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1fr .92fr;align-items:stretch;min-height:760px}
.hero-copy{padding:110px 70px 100px 0;display:flex;flex-direction:column;justify-content:center}
.hero-copy h1{font-size:clamp(4.2rem,7vw,7.2rem);line-height:.88;margin:16px 0 25px;max-width:760px}
.hero-copy h1 em{font-style:normal;color:var(--coral)}
.hero-copy p{font-size:1.14rem;color:#4d6071;max-width:650px;margin:0}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:31px}
.hero-proof{display:flex;gap:25px;flex-wrap:wrap;margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.hero-proof span{font-size:.76rem;color:#556675;font-weight:700}
.hero-photo{position:relative;min-height:760px;display:flex;align-items:flex-end;justify-content:center;padding:42px 0 0 45px;overflow:hidden}
.hero-photo img{width:100%;height:718px;object-fit:contain;object-position:center bottom;filter:saturate(.92) contrast(1.02)}
.signature-block{position:absolute;left:6%;bottom:42px;background:rgba(255,255,255,.96);padding:21px 25px;min-width:300px;box-shadow:var(--shadow);border-left:3px solid var(--coral)}
.signature-block strong{display:block;font-family:Georgia,serif;font-size:1.45rem;color:var(--navy)}
.signature-block span{display:block;color:var(--muted);font-size:.79rem;margin-top:3px}

/* editorial metrics */
.metrics{padding:0}
.metrics-grid{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border:1px solid var(--line)}
.metric{padding:32px 26px;text-align:center;border-right:1px solid var(--line)}
.metric:last-child{border-right:0}
.metric b{display:block;font-family:Georgia,serif;font-size:1.7rem;color:var(--navy)}
.metric span{display:block;color:var(--muted);font-size:.75rem;margin-top:4px}

/* editorial split */
.split{display:grid;grid-template-columns:.88fr 1.12fr;gap:80px;align-items:center}
.split.reverse{grid-template-columns:1.12fr .88fr}
.kicker-card{background:#fff;border:1px solid var(--line);padding:34px;box-shadow:var(--shadow)}
.kicker-card h3{font-size:2rem;margin:0 0 10px}
.kicker-card p{color:var(--muted);margin:0}
.editorial-list{display:grid;gap:28px}
.editorial-item{padding-bottom:26px;border-bottom:1px solid var(--line)}
.editorial-item:last-child{border-bottom:0}
.editorial-item h3{font-size:1.55rem;margin:0 0 7px}
.editorial-item p{color:var(--muted);margin:0}

/* about */
.about-hero{padding:80px 0 110px}
.about-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:78px;align-items:start}
.profile-panel{position:sticky;top:112px}
.profile-img{background:#fff;padding:10px;border:1px solid var(--line);box-shadow:var(--shadow-lg)}
.profile-img img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 16%}
.profile-details{padding:26px 4px 0}
.profile-details h2{font-size:2.3rem;margin:0}
.profile-details p{color:var(--muted);margin:5px 0}
.profile-meta{display:grid;gap:7px;margin:19px 0 23px;font-size:.82rem;color:#45596a}
.story-intro h1{font-size:clamp(3.4rem,6vw,5.8rem);line-height:.92;margin:10px 0 18px}
.story-intro>p{font-size:1.08rem;color:var(--muted)}
.story-section{padding:31px 0;border-bottom:1px solid var(--line)}
.story-section h3{font-size:1.72rem;margin:0 0 9px}
.story-section p{margin:0;color:#3f5363}
.story-section .num{font-size:.72rem;letter-spacing:.15em;color:var(--coral);font-weight:900;margin-bottom:8px}
.pullquote{margin-top:35px;padding:30px 32px;background:#fff;border-left:3px solid var(--coral);box-shadow:var(--shadow);font-family:Georgia,serif;font-size:1.55rem;color:var(--navy);line-height:1.35}

/* services */
.services-feature{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center;margin-bottom:62px}
.feature-panel{background:var(--navy);color:#fff;padding:54px}
.feature-panel h2{color:#fff;font-size:3.3rem;line-height:.98;margin:0 0 15px}
.feature-panel p{color:#d7e2e8}
.feature-list{display:grid;gap:0;border-top:1px solid var(--line)}
.feature-link{display:grid;grid-template-columns:1fr auto;gap:15px;padding:24px 0;border-bottom:1px solid var(--line)}
.feature-link h3{margin:0;font-size:1.45rem}
.feature-link p{margin:5px 0 0;color:var(--muted)}
.feature-link span{color:var(--coral);font-size:1.4rem}

/* scorecard/calculator */
.score-shell{max-width:810px;margin:auto;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-lg)}
.score-head{background:var(--navy);color:#fff;padding:21px 25px;display:flex;justify-content:space-between;align-items:center}
.score-head h3{color:#fff;margin:0;font-family:Inter,sans-serif;font-size:.95rem;letter-spacing:.03em}
.scorebar{height:4px;background:#e5e8e8}
.scorebar span{display:block;height:100%;width:0;background:var(--coral);transition:.3s}
.score-body{padding:38px}
.question{font-family:Georgia,serif;font-size:1.55rem;color:var(--navy);margin-bottom:7px}
.hint{color:var(--muted);margin-bottom:22px}
.options{display:grid;gap:10px}
.option{background:#fff;border:1px solid var(--line);padding:15px 17px;text-align:left;font-weight:700;cursor:pointer}
.option:hover{border-color:var(--coral);background:#fff9f8}
.result{text-align:center}
.grade{width:146px;height:146px;border:1px solid var(--coral);border-radius:50%;display:grid;place-items:center;margin:0 auto 18px}
.grade b{font-family:Georgia,serif;font-size:3.3rem;color:var(--coral)}
.estimate{max-width:470px;margin:20px auto;background:var(--ivory);border:1px solid var(--line);padding:19px}
.estimate strong{display:block;font-family:Georgia,serif;font-size:2rem;color:var(--good)}
.calc-grid{display:grid;grid-template-columns:1fr .9fr;gap:70px;align-items:center}
.calc-card{background:#fff;border:1px solid var(--line);padding:30px}
.calc-card label{display:block;font-size:.8rem;font-weight:850;margin:15px 0 7px}
.calc-card input[type=range],.calc-card select{width:100%}
.calc-card select{padding:11px;border:1px solid var(--line);background:#fff}
.calcout .big{font-family:Georgia,serif;font-size:clamp(3.2rem,6vw,5.4rem);line-height:.95;color:var(--navy)}
.calcout .month{font-size:1.1rem;color:var(--good);font-weight:800;margin-top:8px}

/* resources */
.resource-list{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border-top:1px solid var(--line)}
.resource{padding:33px 30px;border-bottom:1px solid var(--line);border-right:1px solid var(--line)}
.resource:nth-child(even){border-right:0}
.resource span{font-size:.7rem;text-transform:uppercase;letter-spacing:.14em;color:var(--coral);font-weight:900}
.resource h3{font-size:1.6rem;margin:8px 0}
.resource p{margin:0;color:var(--muted)}

/* contact */
.contact{background:var(--navy);color:#fff}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:start}
.contact h1,.contact h2{color:#fff}
.contact h2{font-size:clamp(3rem,5.5vw,5rem);line-height:.95;margin:10px 0 18px}
.contact-copy{color:#d5e2e9}
.contact-lines{margin-top:28px;display:grid;gap:13px}
.contact-lines a{font-weight:760;color:#fff}
.form-card{background:#fff;color:var(--ink);padding:34px}
.form-card h3{font-size:2rem;margin:0 0 5px}
.form-card>p{color:var(--muted);margin:0 0 20px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-size:.75rem;font-weight:850;color:var(--navy)}
.field input,.field select,.field textarea{border:0;border-bottom:1px solid #cbd4d8;padding:12px 2px;background:transparent;border-radius:0}
.field textarea{min-height:100px;resize:vertical}
.consent{display:flex;gap:9px;align-items:flex-start;font-size:.71rem;color:var(--muted);margin:17px 0}
.honeypot{position:absolute!important;left:-5000px!important}
.status{font-size:.8rem;font-weight:800;margin-top:10px}.status.error{color:#a43d36}

/* footer */
footer{background:#041421;color:#9cafba;padding:48px 0 38px;font-size:.74rem}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px}
.footer-brand{font-family:Georgia,serif;font-size:1.15rem;color:#fff}
.legal{margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.08);line-height:1.75}
.mobilebar{display:none}

@media(max-width:960px){
  .navlinks{display:none}
  .hero:before{inset:54% 0 0}
  .hero-grid,.about-grid,.services-feature,.split,.split.reverse,.contact-grid,.calc-grid{grid-template-columns:1fr}
  .hero-copy{padding:80px 0 40px}
  .hero-photo{min-height:580px;padding:25px 0 0}
  .hero-photo img{width:100%;height:560px;object-fit:contain;object-position:center bottom}
  .signature-block{left:8%;bottom:25px}
  .profile-panel{position:static}
  .metrics-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .wrap{width:min(100% - 30px,1180px)}
  .brand-copy span{display:none}
  .nav>.btn{display:none}
  section{padding:76px 0}
  .hero:before{inset:58% 0 0}
  .hero-copy{padding:62px 0 30px}
  .hero-copy h1{font-size:clamp(3.6rem,17vw,5.3rem)}
  .hero-photo{min-height:525px;padding-left:0}
  .hero-photo img{width:100%;height:510px;object-fit:contain;object-position:center bottom}
  .signature-block{left:0;right:0;bottom:10px;min-width:0}
  .hero-actions .btn{width:100%}
  .metrics-grid,.resource-list,.form-grid,.footer-grid{grid-template-columns:1fr}
  .metric{border-right:0;border-bottom:1px solid var(--line)}
  .metric:last-child{border-bottom:0}
  .resource{border-right:0}
  .field.full{grid-column:auto}
  .story-intro h1{font-size:clamp(3rem,14vw,4.8rem)}
  .feature-panel{padding:35px 26px}
  .score-body{padding:28px 18px}
  .form-card{padding:26px 19px}
  .mobilebar{display:grid;grid-template-columns:repeat(3,1fr);position:fixed;left:8px;right:8px;bottom:8px;background:rgba(4,20,33,.97);z-index:90;padding:8px;border-radius:2px}
  .mobilebar a{color:#fff;text-align:center;font-size:.69rem;padding:7px}
  .mobilebar b{display:block;font-size:1.05rem}
  footer{padding-bottom:105px}
}