:root{
  --navy:#1d3557;--navy-dark:#14263f;--teal:#2a9d8f;--teal-light:#e3f4f1;
  --cream:#faf8f4;--ink:#22303f;--muted:#5b6b7b;--line:#e4e8ec;--white:#fff;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65;font-size:17px}
h1,h2,h3{font-family:Fraunces,Georgia,serif;color:var(--navy);line-height:1.2;font-weight:600}
a{color:var(--teal)}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.btn{display:inline-block;padding:14px 28px;border-radius:999px;font-weight:600;text-decoration:none;transition:all .2s}
.btn-primary{background:var(--teal);color:var(--white)}
.btn-primary:hover{background:#23877b;transform:translateY(-1px)}
.btn-ghost{border:2px solid rgba(255,255,255,.6);color:var(--white)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}

/* Top bar + nav */
.topbar{background:var(--navy-dark);color:#c9d4e0;font-size:14px}
.topbar .wrap{display:flex;justify-content:flex-end;gap:24px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#c9d4e0;text-decoration:none}
.topbar a:hover{color:var(--white)}
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo-mark{width:46px;height:46px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--teal));display:grid;place-items:center;color:var(--white);font-family:Fraunces,serif;font-weight:600;font-size:18px}
.logo-text{font-family:Fraunces,serif;font-size:20px;color:var(--navy);font-weight:600;line-height:1.1}
.logo-text small{display:block;font-family:Inter,sans-serif;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:500}
nav{display:flex;align-items:center;gap:28px}
nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:15px}
nav a:hover{color:var(--teal)}
nav .btn{padding:10px 22px;font-size:15px;color:var(--white)}

/* Hero */
.hero{background:linear-gradient(120deg,var(--navy) 0%,#24507a 55%,var(--teal) 130%);color:var(--white);position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:520px;height:520px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:96px;padding-bottom:104px;position:relative;z-index:1}
.hero .eyebrow{color:#9fe3d8}
.hero h1{color:var(--white);font-size:clamp(36px,5vw,56px);margin-bottom:22px}
.hero p{font-size:19px;color:#dbe5ef;max-width:560px;margin-bottom:34px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:22px;padding:34px;backdrop-filter:blur(6px)}
.hero-card h3{color:var(--white);font-size:22px;margin-bottom:18px}
.hero-card ul{list-style:none}
.hero-card li{padding:10px 0 10px 34px;position:relative;color:#e6edf4;border-bottom:1px solid rgba(255,255,255,.12)}
.hero-card li:last-child{border-bottom:none}
.hero-card li::before{content:"";position:absolute;left:0;top:14px;width:20px;height:20px;border-radius:50%;background:var(--teal);box-shadow:inset 0 0 0 5px #9fe3d8}

/* Sections */
section{padding:96px 0}
.section-head{text-align:center;max-width:680px;margin:0 auto 56px}
.section-head h2{font-size:clamp(30px,4vw,42px);margin-bottom:14px}
.section-head p{color:var(--muted);font-size:18px}

/* Services */
.services{background:var(--white)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{background:var(--cream);border:1px solid var(--line);border-radius:18px;padding:32px;transition:all .25s}
.card:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(29,53,87,.1);border-color:transparent}
.icon{width:54px;height:54px;border-radius:14px;background:var(--teal-light);display:grid;place-items:center;margin-bottom:20px}
.icon svg{width:28px;height:28px;stroke:var(--teal);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:21px;margin-bottom:10px}
.card p{color:var(--muted);font-size:16px}

/* Process */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;counter-reset:step}
.step{text-align:center;padding:0 12px}
.step-num{width:64px;height:64px;border-radius:50%;background:var(--navy);color:var(--white);font-family:Fraunces,serif;font-size:26px;display:grid;place-items:center;margin:0 auto 22px;box-shadow:0 0 0 8px var(--teal-light)}
.step h3{font-size:21px;margin-bottom:10px}
.step p{color:var(--muted)}

/* About */
.about{background:var(--white)}
.about .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.portrait{aspect-ratio:4/5;border-radius:24px;background:linear-gradient(160deg,var(--teal-light),#cfe0ec);display:grid;place-items:center;position:relative;overflow:hidden}
.portrait svg{width:58%;opacity:.55}
.portrait-tag{position:absolute;left:22px;bottom:22px;right:22px;background:var(--white);border-radius:14px;padding:16px 20px;box-shadow:0 10px 26px rgba(29,53,87,.12)}
.portrait-tag strong{display:block;font-family:Fraunces,serif;color:var(--navy);font-size:19px}
.portrait-tag span{color:var(--muted);font-size:14px}
.about h2{font-size:clamp(30px,4vw,40px);margin-bottom:20px}
.about p{color:var(--muted);margin-bottom:18px}
.values{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:28px}
.value{display:flex;gap:10px;align-items:center;font-weight:500}
.value::before{content:"";flex:none;width:10px;height:10px;border-radius:50%;background:var(--teal)}

/* FAQ */
.faq-list{max-width:780px;margin:0 auto}
details{background:var(--white);border:1px solid var(--line);border-radius:14px;margin-bottom:14px;padding:4px 24px}
summary{cursor:pointer;list-style:none;padding:18px 0;font-weight:600;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:24px;color:var(--teal);font-weight:400}
details[open] summary::after{content:"\2013"}
details p{color:var(--muted);padding-bottom:20px}

/* CTA */
.cta{background:linear-gradient(120deg,var(--navy),#24507a);color:var(--white);text-align:center}
.cta h2{color:var(--white);font-size:clamp(30px,4vw,42px);margin-bottom:16px}
.cta p{color:#dbe5ef;font-size:18px;max-width:600px;margin:0 auto 34px}
.contact-row{display:flex;justify-content:center;gap:16px;flex-wrap:wrap}
.contact-pill{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:16px;padding:20px 30px;color:var(--white);text-decoration:none;min-width:260px;transition:background .2s}
.contact-pill:hover{background:rgba(255,255,255,.18)}
.contact-pill small{display:block;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:#9fe3d8;margin-bottom:4px}
.contact-pill strong{font-size:19px;font-weight:600}
.cta .note{font-size:14px;color:#aebdcc;margin-top:28px}

/* Footer */
footer{background:var(--navy-dark);color:#aebdcc;padding:56px 0 32px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
footer h4{color:var(--white);font-size:14px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
footer a{color:#aebdcc;text-decoration:none;display:block;margin-bottom:8px}
footer a:hover{color:var(--white)}
footer .logo-text{color:var(--white)}
footer .logo-text small{color:#8fa3b8}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:13px}

/* Mobile */
@media (max-width:900px){
  nav a:not(.btn){display:none}
  .hero .wrap,.about .wrap{grid-template-columns:1fr}
  .grid-3,.steps{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .portrait{max-width:420px}
  section{padding:72px 0}
  .hero .wrap{padding-top:64px;padding-bottom:72px}
}
@media (max-width:520px){
  .topbar .wrap{justify-content:center;gap:14px}
  .logo-text small{display:none}
  .values{grid-template-columns:1fr}
  .contact-pill{min-width:0;width:100%}
}

/* Multi-page additions */
nav a.active{color:var(--teal)}
.page-hero{background:linear-gradient(120deg,var(--navy) 0%,#24507a 60%,var(--teal) 140%);color:var(--white);padding:80px 0 72px;text-align:center}
.page-hero h1{color:var(--white);font-size:clamp(34px,5vw,50px);margin-bottom:14px}
.page-hero p{color:#dbe5ef;font-size:19px;max-width:640px;margin:0 auto}
.page-hero .eyebrow{color:#9fe3d8}
.center{text-align:center;margin-top:44px}
.btn-outline{border:2px solid var(--teal);color:var(--teal)}
.btn-outline:hover{background:var(--teal);color:var(--white)}
.card ul{margin:14px 0 0 18px;color:var(--muted);font-size:15px}
.card li{margin-bottom:4px}
.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:32px;max-width:960px;margin:0 auto}
.member{background:var(--white);border:1px solid var(--line);border-radius:22px;overflow:hidden}
.member .portrait{border-radius:0;aspect-ratio:1/1}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:center 30%;display:block}
.member .portrait svg{width:40%}
.member-body{padding:28px 30px 32px}
.member-body h3{font-size:24px}
.role{color:var(--teal);font-weight:600;font-size:15px;margin:4px 0 14px}
.member-body p{color:var(--muted)}
.soon{display:inline-block;background:var(--teal-light);color:var(--teal);font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin-bottom:14px}
.placeholder p{font-style:italic}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;max-width:960px;margin:0 auto}
.form-card{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:30px;display:flex;flex-direction:column}
.form-card h3{font-size:21px;margin-bottom:8px}
.form-card p{color:var(--muted);font-size:16px;flex:1;margin-bottom:20px}
.form-card .btn{align-self:flex-start;background:var(--line);color:var(--muted);cursor:not-allowed;padding:11px 22px;font-size:15px}
.notice{max-width:960px;margin:0 auto 40px;background:var(--teal-light);border-left:4px solid var(--teal);border-radius:12px;padding:20px 24px;color:var(--ink)}
@media (max-width:900px){.team-grid,.form-grid{grid-template-columns:1fr}}

/* Privacy page */
.legal{display:grid;grid-template-columns:240px 1fr;gap:56px;align-items:start}
.toc{position:sticky;top:100px;display:flex;flex-direction:column;gap:10px;font-size:15px;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:22px}
.toc strong{color:var(--navy);font-size:13px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:4px}
.toc a{color:var(--muted);text-decoration:none}
.toc a:hover{color:var(--teal)}
.legal-body{max-width:760px}
.legal-body h2{font-size:30px;margin:44px 0 14px;scroll-margin-top:100px}
.legal-body h2:first-of-type{margin-top:0}
.legal-body h3{font-size:20px;margin:28px 0 8px}
.legal-body p,.legal-body li,.legal-body dd{color:var(--muted);margin-bottom:14px}
.legal-body ul{padding-left:22px;margin-bottom:14px}
.legal-body li{margin-bottom:8px}
.legal-body dt{font-weight:600;color:var(--navy);margin-top:18px}
.legal-body dd{margin-left:0}
.effective{font-size:14px;font-weight:600;color:var(--teal) !important}
.callout{background:var(--teal-light);border-left:4px solid var(--teal);border-radius:10px;padding:16px 20px;color:var(--ink) !important;font-weight:500}
.divider{height:1px;background:var(--line);margin:56px 0}
.contact-box{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:20px 24px;margin:6px 0 18px;line-height:1.9}
@media (max-width:900px){.legal{grid-template-columns:1fr;gap:32px}.toc{position:static}}