:root{--navy:#062148;--navy2:#0D2E5E;--night:#061A36;--gold:#D9AE5F;--gold-dk:#8A6414;--ivory:#F7F3EA;--card:#FFFDF8;--sand:#E3DAC3;--slate:#55637C;--mist:#D5DCE8;--steel:#1F4A86}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:'Montserrat',Arial,sans-serif;color:var(--navy);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.sr{position:absolute;left:-9999px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* nav */
.nav{position:sticky;top:0;z-index:30;background:var(--navy);border-bottom:2px solid var(--gold)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:72px}
.nav img{height:42px;width:auto}
.nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}
.nav ul a{color:var(--mist);text-decoration:none;font-size:14px;font-weight:600}
.nav ul a:hover{color:var(--gold)}
.btn{display:inline-block;font:800 16px/1 'Montserrat',Arial,sans-serif;text-decoration:none;text-align:center;padding:18px 30px;border-radius:10px;border:2px solid var(--gold);background:var(--gold);color:var(--navy);cursor:pointer;transition:transform .15s ease,background .15s ease}
.btn:hover{background:#E6C07A;transform:translateY(-2px)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn.ghost:hover{border-color:var(--gold);color:var(--gold);background:transparent}
.btn.sm{padding:12px 20px;font-size:14px}
.btn.navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn.navy:hover{background:var(--navy2)}

/* type */
h1,h2,h3{font-weight:800;letter-spacing:-.02em;margin:0}
h1{font-size:clamp(40px,6.2vw,80px);line-height:1.02}
h2{font-size:clamp(32px,4.4vw,56px);line-height:1.06}
h3{font-size:20px;letter-spacing:-.01em}
em{font-family:'Cormorant Garamond',Georgia,serif;font-style:italic;font-weight:600;color:var(--gold-dk);letter-spacing:0}
.dark em{color:var(--gold)}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-dk);margin:0 0 16px}
.dark .eyebrow{color:var(--gold)}
.lead{font-size:clamp(17px,1.7vw,21px);color:var(--slate);max-width:680px}
.dark .lead{color:var(--mist)}

/* hero */
.hero{background:radial-gradient(1200px 600px at 80% 20%,#0F3A78 0,var(--navy) 55%,var(--night) 100%);color:#fff;padding:84px 0 96px;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1{margin-bottom:24px}
.hero .lead{margin-bottom:32px}
.cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:28px}
.ticks{display:flex;flex-wrap:wrap;gap:10px 26px;list-style:none;margin:0;padding:0;font-size:14px;font-weight:600;color:var(--mist)}
.ticks li::before{content:"";display:inline-block;width:9px;height:9px;background:var(--gold);border-radius:50%;margin-right:10px}
.stack{position:relative;height:520px}
.stack img{position:absolute;width:300px;border-radius:6px;box-shadow:0 28px 60px rgba(0,0,0,.5)}
.stack .a{left:4%;top:60px;transform:rotate(-7deg)}
.stack .c{right:2%;top:90px;transform:rotate(6deg)}
.stack .b{left:26%;top:0;transform:rotate(-1deg);z-index:2;width:330px}

/* bands */
.band{padding:96px 0}
.band.ivory{background:var(--ivory)}
.band.dark{background:var(--navy);color:#fff}
.head{max-width:760px;margin-bottom:48px}
.head .lead{margin-top:18px}
.grid{display:grid;gap:20px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--sand);border-top:5px solid var(--gold);border-radius:14px;padding:28px}
.card p{margin:10px 0 0;color:var(--slate);font-size:16px}
.band.dark .card{background:var(--navy2);border-color:var(--steel);border-top-color:var(--gold)}
.band.dark .card p{color:var(--mist)}
.icon{font-family:'Cormorant SC',Georgia,serif;font-weight:700;font-size:44px;line-height:1;color:var(--gold-dk);margin-bottom:12px}
.band.dark .icon{color:var(--gold)}

/* gallery */
.gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:44px}
.gallery figure{margin:0}
.gallery img{border-radius:8px;border:1px solid var(--sand);box-shadow:0 14px 34px rgba(6,33,72,.14)}
.gallery figcaption{font-size:13px;font-weight:600;color:var(--slate);margin-top:10px;text-align:center}

/* steps */
.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(4,1fr)}
.step{background:var(--navy2);border:1px solid var(--steel);border-radius:14px;padding:26px}
.step .n{font-family:'Cormorant SC',Georgia,serif;font-size:56px;font-weight:700;color:var(--gold);line-height:1}
.step h3{margin:10px 0 8px;color:#fff}
.step p{margin:0;color:var(--mist);font-size:15px}
.note{font-size:14px;color:var(--mist);margin-top:26px;max-width:760px}

/* gap viz */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.viz{background:var(--navy);border-radius:18px;padding:34px;color:#fff;box-shadow:0 24px 50px rgba(6,33,72,.25)}
.viz .row{margin-bottom:22px}
.viz .row span{display:block;font-size:13px;font-weight:700;letter-spacing:.06em;color:var(--mist);margin-bottom:8px}
.viz .bar{height:34px;border-radius:8px;background:var(--navy2);overflow:hidden;display:flex}
.viz .bar i{display:block;height:100%}
.viz .pay{background:var(--gold)}
.viz .sb{background:#8FA7CF}
.viz .gapb{background:repeating-linear-gradient(135deg,var(--gold) 0 8px,#B88A38 8px 16px)}
.viz .cap{font-size:12px;color:var(--mist);margin:18px 0 0}
.bullets{list-style:none;margin:24px 0 32px;padding:0;display:grid;gap:14px}
.bullets li{padding-left:34px;position:relative;font-size:17px}
.bullets li::before{content:"";position:absolute;left:0;top:7px;width:16px;height:16px;border-radius:50%;background:var(--gold)}

/* faq */
details{background:var(--card);border:1px solid var(--sand);border-radius:12px;margin-bottom:12px;padding:0 22px}
summary{cursor:pointer;font-weight:700;font-size:18px;padding:20px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:26px;line-height:1;color:var(--gold-dk)}
details[open] summary::after{content:"–"}
details p{margin:0 0 20px;color:var(--slate)}

/* about */
.founder{background:var(--navy2);border:1px solid var(--steel);border-radius:16px;padding:32px;display:flex;gap:24px;align-items:center}
.founder img{width:64px;height:auto;flex:none}
.founder b{display:block;font-size:22px}
.founder span{color:var(--mist);font-size:15px}

/* form */
.formcard{background:#fff;color:var(--navy);border-radius:18px;padding:36px;box-shadow:0 28px 60px rgba(0,0,0,.35)}
.formcard h3{font-size:26px;margin-bottom:6px}
.formcard .sub{color:var(--slate);margin:0 0 22px;font-size:15px}
label{display:block;font-weight:700;font-size:14px;margin:0 0 6px}
input[type=text],input[type=email],input[type=tel],select{width:100%;font:500 17px 'Montserrat',Arial,sans-serif;padding:14px 16px;border-radius:10px;border:2px solid var(--sand);background:#fff;color:var(--navy);margin-bottom:16px}
input:focus,select:focus{border-color:var(--gold);outline:none}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:12.5px;color:var(--slate);margin:2px 0 20px;line-height:1.5}
.consent input{width:22px;height:22px;margin-top:2px;flex:none}
.formcard .btn{width:100%}
.fine{font-size:12px;color:var(--slate);margin:14px 0 0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.signup{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}

/* join */
.join{background:var(--ivory);border-top:1px solid var(--sand)}
.join .wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;padding-top:72px;padding-bottom:72px}
.join .formcard{box-shadow:0 10px 30px rgba(6,33,72,.12);border:1px solid var(--sand)}

/* footer */
footer{background:var(--night);color:var(--mist);padding:56px 0 40px;font-size:13px}
footer .top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;align-items:center;margin-bottom:28px}
footer img{height:46px;width:auto}
footer nav{display:flex;gap:22px;flex-wrap:wrap}
footer a{text-decoration:none;font-weight:600}
footer a:hover{color:var(--gold)}
footer p{margin:0 0 10px;max-width:900px}

/* simple pages */
.page{max-width:820px;margin:0 auto;padding:64px 24px 96px}
.page h1{font-size:clamp(34px,5vw,56px);margin-bottom:12px}
.page h2{font-size:28px;margin:40px 0 10px;letter-spacing:-.01em}
.page p,.page li{color:#2c3b57}
.page ul{padding-left:22px}
.ty{background:radial-gradient(1000px 500px at 80% 0,#0F3A78 0,var(--navy) 60%,var(--night) 100%);color:#fff;min-height:calc(100vh - 74px);padding:80px 0}
.ty .btn{margin:8px 12px 8px 0}

@media (max-width:980px){
 .nav ul{display:none}
 .hero .wrap,.split,.signup,.join .wrap{grid-template-columns:1fr}
 .g3,.g4,.steps{grid-template-columns:1fr 1fr}
 .gallery{grid-template-columns:repeat(2,1fr)}
 .stack{height:440px;max-width:520px;margin:0 auto}
}
@media (max-width:620px){
 .g3,.g4,.g2,.steps,.two{grid-template-columns:1fr}
 .band{padding:64px 0}.hero{padding:56px 0 64px}
 .stack{height:380px}.stack img{width:210px}.stack .b{width:230px}
 .btn{width:100%}.cta{flex-direction:column}
 .founder{flex-direction:column;align-items:flex-start}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}