:root{
  --navy:#0e1b2c; --navy-2:#13263c; --ink:#0a121e;
  --paper:#f6f3ec; --paper-2:#ece6da;
  --heat:#f4781f; --heat-deep:#d9460f;
  --cool:#1ba0b8; --cool-deep:#0d6f81;
  --line:rgba(255,255,255,.12); --muted:#9fb0c4;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Manrope',sans-serif;background:var(--paper);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Fraunces',serif;line-height:1.1;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
.wrap{max-width:1000px;margin:0 auto;padding:0 24px}

header{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px;max-width:1140px;margin:0 auto;padding:0 24px}
.brand{display:flex;align-items:center;gap:11px;color:#fff}
.logo-mark{width:38px;height:38px;border-radius:10px;flex:none;position:relative;background:linear-gradient(135deg,var(--heat),var(--cool));box-shadow:0 6px 18px rgba(0,0,0,.35)}
.logo-mark::after{content:"";position:absolute;inset:9px;border:2.5px solid #fff;border-radius:5px;opacity:.92}
.brand b{font-family:'Fraunces',serif;font-weight:900;font-size:1.32rem;letter-spacing:-.02em}
.brand span{display:block;font-size:.62rem;letter-spacing:.32em;color:var(--cool);font-weight:700;text-transform:uppercase;margin-top:1px}
.nav-links{display:flex;gap:26px;align-items:center}
.nav-links a{color:#d7e2ee;font-weight:600;font-size:.94rem}
.nav-links a:hover{color:#fff}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:800;padding:12px 20px;border-radius:999px;font-size:.92rem;white-space:nowrap;transition:transform .15s ease, box-shadow .15s ease;cursor:pointer;border:none}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--heat),var(--heat-deep));color:#fff;box-shadow:0 8px 22px rgba(217,70,15,.4)}

.hero{color:#fff;background:radial-gradient(120% 90% at 90% -10%, rgba(244,120,31,.26), transparent 55%),radial-gradient(120% 100% at 0% 120%, rgba(27,160,184,.3), transparent 55%),var(--navy)}
.hero .wrap{padding:60px 24px 54px;max-width:860px}
.crumb{font-size:.82rem;color:var(--muted);margin-bottom:16px}
.crumb a:hover{color:#fff}
.hero h1{font-size:clamp(2.1rem,5vw,3.3rem);font-weight:900;max-width:20ch}
.hero p{font-size:1.12rem;color:#c9d6e4;margin-top:18px;max-width:64ch}
.hero .btn{margin-top:26px}

main{padding:48px 0 24px}
.prose h2{font-size:clamp(1.6rem,3.2vw,2.2rem);font-weight:900;color:var(--navy);margin:36px 0 14px}
.prose h3{font-size:1.25rem;font-weight:600;margin:24px 0 8px;color:var(--ink)}
.prose p{margin-bottom:14px;color:#33424f;font-size:1.04rem}
.prose ul,.prose ol{margin:8px 0 16px 22px;color:#33424f}
.prose li{margin-bottom:7px}
.prose strong{color:var(--ink)}
.prose a{color:var(--cool-deep);font-weight:700;border-bottom:1px solid rgba(13,111,129,.3)}
.prose a:hover{color:var(--heat-deep)}

.cardrow{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0 12px}
.scard{background:#fff;border:1px solid #e3dccd;border-radius:16px;padding:24px 22px;transition:transform .2s ease, box-shadow .2s ease}
.scard:hover{transform:translateY(-4px);box-shadow:0 16px 36px rgba(14,27,44,.1)}
.scard h3{font-family:'Fraunces';font-weight:600;font-size:1.18rem;margin-bottom:6px}
.scard p{font-size:.95rem;color:#566678;margin-bottom:10px}
.scard a{font-weight:800;font-size:.9rem;color:var(--heat-deep)}

.panel{background:var(--paper-2);border:1px solid #ddd5c4;border-radius:18px;padding:28px 30px;margin:28px 0}
.panel h3{font-family:'Fraunces';font-weight:600;margin-bottom:8px}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.chip{border:1px solid #cfc6b3;background:#fff;padding:9px 16px;border-radius:999px;font-weight:600;font-size:.9rem;color:#46566a}
.chip:hover{border-color:var(--cool)}

/* embedded quote form */
.quoteband{background:var(--navy);color:#fff;margin-top:40px}
.quoteband .wrap{padding:54px 24px;display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.quoteband h2{color:#fff;font-size:clamp(1.7rem,3.4vw,2.3rem);font-weight:900;margin-bottom:12px}
.quoteband p{color:#c9d6e4}
.formcard{background:#fff;border-radius:18px;padding:26px;color:var(--ink)}
.field{margin-bottom:12px}
.field label{display:block;font-weight:700;font-size:.78rem;color:#33485c;margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;padding:11px 13px;border:1.5px solid #d9d0bf;border-radius:10px;font-family:inherit;font-size:.94rem;background:#fbf9f4}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--cool);box-shadow:0 0 0 3px rgba(27,160,184,.18);background:#fff}
.field textarea{min-height:74px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.formcard .btn-primary{width:100%;justify-content:center;margin-top:4px;padding:14px}
.fineprint{font-size:.76rem;color:#7a8798;margin-top:10px;text-align:center}
.hp{position:absolute;left:-9999px}
.form-success{display:none;text-align:center;padding:18px 6px}
.form-success .check{width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--cool),var(--cool-deep));display:grid;place-items:center;margin:0 auto 14px}
.form-success h3{font-family:'Fraunces';font-size:1.35rem;margin-bottom:6px}
.form-success p{color:#566678}

footer{background:var(--ink);color:#9fb0c4;padding:48px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:36px}
footer h4{color:#fff;font-weight:800;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px;font-family:'Manrope'}
footer ul{list-style:none;display:grid;gap:8px;font-size:.95rem}
footer a:hover{color:#fff}
.foot-bottom{border-top:1px solid var(--line);padding-top:20px;font-size:.84rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

@media(max-width:860px){
  .nav-links{display:none}
  .cardrow{grid-template-columns:1fr}
  .quoteband .wrap{grid-template-columns:1fr;gap:28px}
}