:root {
    --paper: #faf7f0;
    --surface: #ffffff;
    --ink: #16261f;
    --ink-soft: #4b5850;
    --ink-faint: #8a9189;
    --navy: #0d2757;
    --navy-deep: #061530;
    --navy-line: #1c3868;
    --gold: #c2891f;
    --gold-soft: #f4e8d2;
    --mist: #e4decf;
    --border: #ded6c3;

    --serif: ui-serif, "Iowan Old Style", "Palatino Linotype", Georgia, "Times New Roman", serif;
    --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    --mono: ui-monospace, "SF Mono", SFMono-Regular, Menlo, Consolas, "Liberation Mono", monospace;
  }

  * { box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  body {
    margin: 0;
    background: var(--paper);
    color: var(--ink);
    font-family: var(--sans);
    font-size: 16.5px;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
  }
  ::selection { background: var(--gold-soft); color: var(--navy-deep); }
  a { color: inherit; }
  img, svg { max-width: 100%; display: block; }

  .wrap { max-width: 1120px; margin: 0 auto; padding: 0 28px; }
  section { padding: 88px 0; }
  @media (max-width: 720px) { section { padding: 56px 0; } .wrap { padding: 0 20px; } }

  h1, h2, h3 { font-family: var(--serif); font-weight: 600; letter-spacing: -0.01em; text-wrap: balance; margin: 0; color: var(--ink); }
  p { margin: 0 0 16px; max-width: 66ch; }
  .lede { color: var(--ink-soft); font-size: 18px; line-height: 1.65; }

  .eyebrow {
    font-family: var(--mono); font-size: 12px; letter-spacing: 0.12em; text-transform: uppercase;
    color: var(--navy); display: inline-flex; align-items: center; gap: 10px; margin: 0 0 18px;
  }
  .eyebrow::before { content: ""; width: 24px; height: 1px; background: var(--gold); display: inline-block; }

  .btn {
    display: inline-flex; align-items: center; gap: 8px; font-family: var(--sans); font-weight: 700;
    font-size: 15px; padding: 13px 24px; border-radius: 3px; text-decoration: none; border: 1px solid transparent;
    cursor: pointer;
  }
  .btn-primary { background: var(--navy); color: var(--paper); }
  .btn-primary:hover { background: var(--navy-deep); }
  .btn-ghost { background: transparent; color: var(--ink); border-color: var(--border); }
  .btn-ghost:hover { border-color: var(--ink-soft); }
  .btn-gold { background: var(--gold); color: var(--navy-deep); }
  .btn-gold:hover { background: #a4741a; }

  /* ---------- Nav ---------- */
  .nav {
    position: sticky; top: 0; z-index: 40; background: rgba(250,247,240,0.92); backdrop-filter: blur(8px);
    border-bottom: 1px solid var(--border);
  }
  .nav-inner { max-width: 1120px; margin: 0 auto; padding: 8px 28px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
  .wordmark { display: flex; align-items: center; text-decoration: none; white-space: nowrap; }
  .wordmark img { height: 60px; width: auto; display: block; }
  @media (max-width: 560px) { .wordmark img { height: 46px; } }
  .nav-links { display: flex; align-items: center; gap: 20px; font-size: 14px; font-weight: 600; }
  .nav-links a { text-decoration: none; color: var(--ink-soft); }
  .nav-links a:hover { color: var(--navy); }
  @media (max-width: 800px) { .nav-links { display: none; } }
  .nav-actions { display: flex; align-items: center; gap: 18px; }
  .nav-phone {
    font-family: var(--mono); font-size: 14px; font-weight: 700; color: var(--navy);
    text-decoration: none; white-space: nowrap;
  }
  .nav-phone:hover { color: var(--gold); }
  @media (max-width: 560px) { .nav-phone { display: none; } }

  /* ---------- Hero ---------- */
  .hero { padding: 96px 0 72px; }
  .hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; }
  @media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; } }
  .hero h1 { font-size: clamp(34px, 5vw, 54px); line-height: 1.08; margin-bottom: 20px; }
  .hero h1 em { font-style: normal; color: var(--navy); border-bottom: 3px solid var(--gold); }
  .hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
  .hero-card {
    background: var(--surface); border: 1px solid var(--border); border-radius: 6px; padding: 26px 26px 22px;
  }
  .hero-card .k { font-family: var(--mono); font-size: 11px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-faint); margin-bottom: 4px; }
  .hero-card .v { font-family: var(--serif); font-size: 26px; color: var(--navy-deep); margin-bottom: 18px; }
  .hero-card .v:last-child { margin-bottom: 0; }
  .hero-card hr { border: none; border-top: 1px solid var(--border); margin: 0 0 18px; }

  .trust-strip {
    border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
    padding: 22px 0; display: flex; flex-wrap: wrap; gap: 12px 32px; justify-content: center;
    font-family: var(--mono); font-size: 12.5px; color: var(--ink-soft); text-transform: uppercase; letter-spacing: 0.04em;
  }
  .trust-strip span { display: inline-flex; align-items: center; gap: 8px; }
  .trust-strip span::before { content: "—"; color: var(--gold); }

  /* ---------- Services ---------- */
  .section-head { max-width: 640px; margin: 0 0 48px; }
  .service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
  @media (max-width: 900px) { .service-grid { grid-template-columns: 1fr 1fr; } }
  @media (max-width: 620px) { .service-grid { grid-template-columns: 1fr; } }
  .service-card {
    background: var(--surface); border: 1px solid var(--border); border-radius: 6px; padding: 26px;
    display: flex; flex-direction: column; gap: 10px;
  }
  .service-card .num { font-family: var(--mono); font-size: 12px; color: var(--gold); letter-spacing: 0.04em; }
  .service-card h3 { font-size: 19px; }
  .service-card p { font-size: 14.5px; color: var(--ink-soft); margin: 0; max-width: none; }
  .service-card.wide { grid-column: span 1; }

  /* ---------- Process ---------- */
  .process-list { display: flex; flex-direction: column; }
  .process-item {
    display: grid; grid-template-columns: 60px 1fr; gap: 20px; padding: 26px 0; border-top: 1px solid var(--border);
  }
  .process-item:last-child { border-bottom: 1px solid var(--border); }
  .process-item .step { font-family: var(--serif); font-size: 30px; color: var(--gold); line-height: 1; }
  .process-item h3 { font-size: 19px; margin-bottom: 6px; }
  .process-item p { margin: 0; color: var(--ink-soft); font-size: 15px; }

  /* ---------- Five key questions (dark anchor) ---------- */
  .anchor-section { background: var(--navy-deep); color: var(--paper); }
  .anchor-section .eyebrow { color: var(--gold); }
  .anchor-section .eyebrow::before { background: var(--gold); }
  .anchor-section h2 { color: var(--paper); }
  .anchor-section .lede { color: #c9d2e2; }
  .kloe-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; background: var(--navy-line); margin-top: 44px; border: 1px solid var(--navy-line); border-radius: 6px; overflow: hidden; }
  @media (max-width: 900px) { .kloe-grid { grid-template-columns: 1fr 1fr; } }
  @media (max-width: 560px) { .kloe-grid { grid-template-columns: 1fr; } }
  .kloe { background: var(--navy); padding: 26px 20px; }
  .kloe .tag { font-family: var(--mono); font-size: 10.5px; color: var(--gold); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 10px; }
  .kloe h3 { color: var(--paper); font-size: 18px; margin-bottom: 8px; }
  .kloe p { color: #c2cbdc; font-size: 13.5px; margin: 0; max-width: none; }

  /* ---------- Credibility ---------- */
  .cred-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
  @media (max-width: 860px) { .cred-grid { grid-template-columns: 1fr; } }
  .cred-figure { background: var(--surface); border: 1px solid var(--border); border-radius: 6px; padding: 40px; text-align: center; }
  .cred-figure .big { font-family: var(--serif); font-size: 64px; color: var(--navy); line-height: 1; }
  .cred-figure .cap { font-family: var(--mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-soft); margin-top: 10px; }

  /* ---------- FAQ ---------- */
  .faq-list { display: flex; flex-direction: column; gap: 14px; }
  .faq-item { background: var(--surface); border: 1px solid var(--border); border-radius: 6px; padding: 22px 26px; }
  .faq-item h3 { font-family: var(--sans); font-size: 16.5px; font-weight: 700; margin-bottom: 8px; }
  .faq-item p { margin: 0; color: var(--ink-soft); font-size: 15px; max-width: none; }

  /* ---------- CTA / contact ---------- */
  .cta-section { background: var(--navy); color: var(--paper); border-radius: 10px; padding: 56px 48px; margin: 0 28px; }
  .cta-inner { max-width: 1120px; margin: 0 auto; display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; }
  @media (max-width: 860px) { .cta-inner { grid-template-columns: 1fr; } .cta-section { padding: 40px 28px; margin: 0 16px; } }
  .cta-section h2 { color: var(--paper); font-size: 30px; }
  .cta-section p { color: #c9d2e2; }
  .contact-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.16); border-radius: 8px; padding: 22px 24px; }
  .contact-row { display: flex; justify-content: space-between; align-items: baseline; padding: 10px 0; border-top: 1px solid rgba(255,255,255,0.12); }
  .contact-row:first-child { border-top: none; }
  .contact-row .k { font-family: var(--mono); font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.06em; color: #9db0cc; }
  .contact-row .v { font-weight: 700; text-decoration: none; }
  .contact-row a.v:hover { color: var(--gold); }

  footer { padding: 40px 0 60px; display: flex; flex-direction: column; align-items: center; gap: 14px; text-align: center; color: var(--ink-faint); font-size: 13px; }
  footer img { height: 56px; width: auto; opacity: 0.85; }
  footer a { color: var(--navy); text-decoration: none; }
  .footer-links { display: flex; flex-wrap: wrap; gap: 8px 20px; justify-content: center; font-size: 13px; font-weight: 600; }
  .footer-links a { text-decoration: none; color: var(--ink-soft); }
  .footer-links a:hover { color: var(--navy); }

  /* ---------- Nav dropdown ---------- */
  .has-dropdown { position: relative; }
  .dropdown-toggle { display: inline-flex; align-items: center; gap: 4px; background: none; border: none; font: inherit; font-size: 14px; font-weight: 600; color: var(--ink-soft); cursor: pointer; padding: 0; }
  .dropdown-toggle:hover, .has-dropdown.open .dropdown-toggle { color: var(--navy); }
  .dropdown-toggle .caret { font-size: 10px; display: inline-block; transition: transform .15s; }
  .has-dropdown.open .dropdown-toggle .caret { transform: rotate(180deg); }
  .dropdown-menu {
    position: absolute; top: calc(100% + 16px); left: 50%; transform: translateX(-50%);
    background: var(--surface); border: 1px solid var(--border); border-radius: 8px;
    padding: 8px; min-width: 230px; box-shadow: 0 12px 28px rgba(13,39,87,0.14);
    display: none; flex-direction: column; gap: 2px; z-index: 50;
  }
  .has-dropdown.open .dropdown-menu { display: flex; }
  .dropdown-menu a { padding: 9px 12px; border-radius: 5px; font-size: 14px; font-weight: 600; color: var(--ink); text-decoration: none; }
  .dropdown-menu a:hover { background: var(--gold-soft); color: var(--navy-deep); }

  /* ---------- Mobile menu ---------- */
  .nav-burger { display: none; flex-direction: column; gap: 4px; background: none; border: 1px solid var(--border); border-radius: 6px; width: 40px; height: 40px; align-items: center; justify-content: center; cursor: pointer; flex-shrink: 0; }
  .nav-burger div { width: 18px; height: 2px; background: var(--navy); }
  @media (max-width: 800px) { .nav-burger { display: flex; } }
  .mobile-menu { display: none; flex-direction: column; border-top: 1px solid var(--border); background: var(--paper); }
  .mobile-menu.open { display: flex; }
  .mobile-menu a { padding: 14px 20px; border-bottom: 1px solid var(--border); text-decoration: none; color: var(--ink); font-weight: 600; font-size: 15px; }
  .mobile-menu .mm-label { padding: 14px 20px 2px; font-family: var(--mono); font-size: 11px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-faint); }

  /* ---------- Page hero (sub-pages) ---------- */
  .page-hero { padding: 60px 0 44px; border-bottom: 1px solid var(--border); }
  .page-hero h1 { font-size: clamp(30px, 4.5vw, 44px); line-height: 1.12; margin-bottom: 16px; }
  .breadcrumb { font-family: var(--mono); font-size: 12px; color: var(--ink-faint); margin-bottom: 18px; }
  .breadcrumb a { color: var(--navy); text-decoration: none; }
  .breadcrumb a:hover { text-decoration: underline; }
  .page-cta { text-align: left; padding: 36px 40px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
  .page-cta h2 { font-size: 24px; margin-bottom: 8px; }
  .page-cta p { margin: 0; color: var(--ink-soft); }

  /* ---------- Team (About) ---------- */
  .team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 12px; }
  @media (max-width: 800px) { .team-grid { grid-template-columns: 1fr 1fr; } }
  @media (max-width: 560px) { .team-grid { grid-template-columns: 1fr; } }
  .team-card { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; padding: 24px; }
  .team-card .avatar { width: 52px; height: 52px; border-radius: 50%; background: var(--gold-soft); color: var(--navy-deep); display: flex; align-items: center; justify-content: center; font-family: var(--serif); font-size: 20px; font-weight: 700; margin-bottom: 14px; }
  .team-card h3 { font-size: 17px; margin-bottom: 2px; }
  .team-card .role { font-family: var(--mono); font-size: 11px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--gold); margin-bottom: 10px; display: block; }
  .team-card p { font-size: 14px; color: var(--ink-soft); margin: 0; max-width: none; }
  .team-card.placeholder { border-style: dashed; color: var(--ink-faint); display: flex; align-items: center; justify-content: center; text-align: center; font-size: 13.5px; min-height: 170px; }

  /* ---------- Testimonials ---------- */
  .testimonial-notice { background: var(--gold-soft); border: 1px solid var(--border); border-radius: 8px; padding: 16px 20px; font-size: 14px; color: var(--navy-deep); margin-bottom: 32px; }
  .testimonial-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
  @media (max-width: 760px) { .testimonial-grid { grid-template-columns: 1fr; } }
  .testimonial-card { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; padding: 26px; }
  .testimonial-card .stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 12px; font-size: 15px; }
  .testimonial-card blockquote { margin: 0 0 16px; font-family: var(--serif); font-size: 17px; font-style: italic; color: var(--ink-soft); }
  .testimonial-card .who { font-size: 13px; font-weight: 700; color: var(--ink-faint); }

  /* ---------- Resources (accordion) ---------- */
  .resource-list { display: flex; flex-direction: column; gap: 14px; }
  .resource-item { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; overflow: hidden; }
  .resource-item summary { cursor: pointer; padding: 20px 24px; font-family: var(--serif); font-size: 18px; font-weight: 600; display: flex; align-items: center; justify-content: space-between; gap: 16px; list-style: none; }
  .resource-item summary::-webkit-details-marker { display: none; }
  .resource-item summary .plus { font-family: var(--mono); color: var(--gold); font-size: 20px; flex-shrink: 0; transition: transform .15s; }
  .resource-item[open] summary .plus { transform: rotate(45deg); }
  .resource-item .tag { font-family: var(--mono); font-size: 11px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gold); display: block; margin-top: 4px; font-weight: 400; }
  .resource-item .body { padding: 0 24px 24px; color: var(--ink-soft); font-size: 15px; }

  /* ---------- Referral program ---------- */
  .referral-hero-figure { background: var(--navy); color: var(--paper); border-radius: 10px; padding: 34px; text-align: center; }
  .referral-hero-figure .big { font-family: var(--serif); font-size: 52px; color: var(--gold); line-height: 1; }
  .referral-hero-figure .cap { font-family: var(--mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.06em; margin-top: 10px; color: #c9d2e2; }
  .referral-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 16px; }
  @media (max-width: 760px) { .referral-steps { grid-template-columns: 1fr; } }
  .referral-step { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; padding: 24px; }
  .referral-step .n { font-family: var(--serif); font-size: 28px; color: var(--gold); margin-bottom: 8px; }
  .referral-why { display: flex; flex-direction: column; gap: 10px; margin-top: 10px; }
  .referral-why div { display: flex; gap: 10px; align-items: flex-start; font-size: 15px; color: var(--ink-soft); }
  .referral-why div::before { content: "✓"; color: var(--gold); font-weight: 700; }

  /* ---------- Service detail pages ---------- */
  .service-detail-grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 48px; align-items: start; }
  @media (max-width: 860px) { .service-detail-grid { grid-template-columns: 1fr; } }
  .service-detail-list { display: flex; flex-direction: column; gap: 14px; margin: 20px 0 0; padding: 0; }
  .service-detail-list li { list-style: none; padding-left: 24px; position: relative; color: var(--ink-soft); font-size: 15px; }
  .service-detail-list li::before { content: "—"; position: absolute; left: 0; color: var(--gold); }
  .service-learn-more { display: inline-block; margin-top: 10px; font-size: 13.5px; font-weight: 700; color: var(--navy); text-decoration: none; }
  .service-learn-more:hover { color: var(--gold); }