:root {
  --navy-950: #071a36;
  --navy-900: #0a2449;
  --navy-800: #11345f;
  --navy-700: #194675;
  --red-600: #d71f2b;
  --red-700: #b81420;
  --cream: #f7f3eb;
  --soft: #f2f6fb;
  --white: #ffffff;
  --ink: #15233a;
  --muted: #657085;
  --line: #dce3ed;
  --shadow: 0 24px 60px rgba(5, 25, 54, 0.14);
  --shadow-small: 0 12px 35px rgba(7, 26, 54, 0.09);
  --radius: 18px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 118px;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family:
    Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI",
    sans-serif;
  line-height: 1.65;
}

body.menu-open {
  overflow: hidden;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

p,
h1,
h2,
h3 {
  margin-top: 0;
}

h1,
h2 {
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.06;
  letter-spacing: -0.035em;
}

h3 {
  line-height: 1.25;
}

.shell {
  width: min(1180px, calc(100% - 40px));
  margin-inline: auto;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.draft-banner {
  padding: 8px 20px;
  color: var(--white);
  background: var(--red-600);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.055em;
  text-align: center;
  text-transform: uppercase;
}

.site-header {
  position: sticky;
  z-index: 50;
  top: 0;
  border-bottom: 1px solid rgba(10, 36, 73, 0.09);
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(16px);
}

.header-inner {
  display: flex;
  min-height: 86px;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand img {
  width: 230px;
  height: 72px;
  object-fit: contain;
  object-position: left center;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 24px;
  font-size: 0.9rem;
  font-weight: 700;
}

.primary-nav > a:not(.button) {
  padding-block: 12px;
  color: #324059;
  transition: color 160ms ease;
}

.primary-nav > a:not(.button):hover,
.primary-nav > a:not(.button):focus-visible {
  color: var(--red-600);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 10px;
  border: 0;
  border-radius: 10px;
  color: var(--navy-900);
  background: var(--soft);
}

.menu-toggle span:not(.sr-only) {
  display: block;
  height: 2px;
  margin: 4px 0;
  border-radius: 99px;
  background: currentColor;
}

.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  padding: 13px 24px;
  border: 1px solid var(--red-600);
  border-radius: 9px;
  color: var(--white);
  background: var(--red-600);
  box-shadow: 0 10px 26px rgba(215, 31, 43, 0.22);
  font-size: 0.91rem;
  font-weight: 800;
  line-height: 1;
  transition:
    transform 160ms ease,
    background 160ms ease,
    border-color 160ms ease;
}

.button:hover,
.button:focus-visible {
  border-color: var(--red-700);
  background: var(--red-700);
  transform: translateY(-2px);
}

.button-small {
  min-height: 42px;
  padding: 10px 18px;
}

.button-wide {
  width: 100%;
}

.button-outline {
  border-color: rgba(255, 255, 255, 0.3);
  color: var(--white);
  background: transparent;
  box-shadow: none;
}

.button-outline:hover,
.button-outline:focus-visible {
  border-color: var(--white);
  background: rgba(255, 255, 255, 0.1);
}

.button-dark {
  border-color: var(--navy-900);
  background: var(--navy-900);
  box-shadow: 0 10px 26px rgba(7, 26, 54, 0.18);
}

.button-dark:hover,
.button-dark:focus-visible {
  border-color: var(--navy-950);
  background: var(--navy-950);
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 84px 0 112px;
  color: var(--white);
  background:
    radial-gradient(circle at 100% 5%, rgba(255, 255, 255, 0.08) 0 190px, transparent 191px),
    radial-gradient(circle at 2% 96%, rgba(215, 31, 43, 0.18) 0 150px, transparent 151px),
    linear-gradient(135deg, var(--navy-950), var(--navy-800));
}

.hero::before {
  position: absolute;
  inset: 0;
  content: "";
  pointer-events: none;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.025) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(to right, black, transparent 75%);
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  align-items: center;
  gap: 72px;
  grid-template-columns: 0.94fr 1.06fr;
}

.eyebrow {
  display: block;
  margin-bottom: 14px;
  color: var(--red-600);
  font-size: 0.74rem;
  font-weight: 900;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.eyebrow-light {
  color: #f7a3aa;
}

.hero h1 {
  max-width: 650px;
  margin-bottom: 24px;
  font-size: clamp(3.2rem, 6vw, 5.6rem);
}

.hero h1 span {
  display: block;
  color: #ff6771;
}

.hero-lead {
  max-width: 650px;
  margin-bottom: 30px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.12rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.hero-note {
  display: grid;
  max-width: 610px;
  margin-top: 30px;
  padding: 18px 20px;
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 12px;
  color: rgba(255, 255, 255, 0.66);
  background: rgba(0, 0, 0, 0.12);
  font-size: 0.84rem;
}

.hero-note strong {
  margin-bottom: 3px;
  color: var(--white);
}

.process-card {
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius);
  color: var(--ink);
  background: var(--white);
  box-shadow: 0 34px 80px rgba(0, 0, 0, 0.28);
}

.process-card-heading {
  padding: 25px 30px 22px;
  color: var(--white);
  background: rgba(5, 23, 49, 0.98);
}

.process-card-heading span {
  color: #ff8f97;
  font-size: 0.7rem;
  font-weight: 900;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.process-card-heading h2 {
  margin: 4px 0 0;
  font-size: 2rem;
}

.process-card ol {
  margin: 0;
  padding: 20px 30px 6px;
  list-style: none;
}

.process-card li {
  display: grid;
  gap: 16px;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
  grid-template-columns: 38px 1fr;
}

.process-card li:last-child {
  border-bottom: 0;
}

.step-number {
  display: grid;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  place-items: center;
  color: var(--white);
  background: var(--red-600);
  font-size: 0.8rem;
  font-weight: 900;
}

.process-card li strong {
  font-size: 0.95rem;
}

.process-card li p {
  margin: 4px 0 0;
  color: var(--muted);
  font-size: 0.83rem;
  line-height: 1.55;
}

.process-card > .button {
  width: calc(100% - 60px);
  margin: 15px 30px 30px;
}

.hero-curve {
  position: absolute;
  right: -5%;
  bottom: -53px;
  left: -5%;
  height: 90px;
  border-radius: 50% 50% 0 0;
  background: var(--white);
}

.trust-strip {
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
  background: var(--white);
}

.trust-grid {
  display: grid;
  max-width: 880px;
  gap: 36px;
  grid-template-columns: repeat(3, 1fr);
}

.trust-grid > div {
  display: flex;
  align-items: center;
  gap: 14px;
}

.trust-icon {
  display: grid;
  width: 42px;
  height: 42px;
  flex: 0 0 42px;
  border-radius: 9px;
  color: var(--red-600);
  background: #fff0f1;
  place-items: center;
  font-weight: 900;
}

.trust-icon-text {
  font-size: 0.55rem;
  letter-spacing: -0.02em;
}

.trust-grid p {
  display: grid;
  margin: 0;
  font-size: 0.82rem;
  line-height: 1.3;
}

.trust-grid p span {
  margin-top: 3px;
  color: var(--muted);
}

.section {
  padding: 108px 0;
}

.section-soft {
  background: var(--soft);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 48px;
}

.section-heading.centered {
  margin-inline: auto;
  text-align: center;
}

.section-heading.narrow {
  max-width: 700px;
}

.section-heading h2,
.broker-section h2,
.contact-section h2,
.closing-cta h2 {
  margin-bottom: 18px;
  font-size: clamp(2.45rem, 4.8vw, 4rem);
}

.section-heading p,
.contact-copy > p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 1.03rem;
}

.four-step-grid {
  display: grid;
  gap: 22px;
  grid-template-columns: repeat(4, 1fr);
}

.four-step-grid article {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow-small);
}

.four-step-grid article > span {
  color: var(--red-600);
  font-size: 0.8rem;
  font-weight: 900;
  letter-spacing: 0.12em;
}

.four-step-grid h3 {
  margin: 15px 0 10px;
  font-size: 1.08rem;
}

.four-step-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.program-grid {
  display: grid;
  gap: 22px;
  grid-template-columns: repeat(3, 1fr);
}

.program-card {
  display: flex;
  min-height: 310px;
  flex-direction: column;
  padding: 32px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow-small);
  transition:
    transform 160ms ease,
    border-color 160ms ease;
}

.program-card:hover {
  border-color: rgba(215, 31, 43, 0.4);
  transform: translateY(-5px);
}

.program-icon {
  display: grid;
  width: 48px;
  height: 48px;
  margin-bottom: 24px;
  border-radius: 12px;
  color: var(--red-600);
  background: #fff0f1;
  place-items: center;
  font-size: 1.2rem;
}

.program-card h3 {
  margin-bottom: 12px;
  font-size: 1.23rem;
}

.program-card p {
  margin-bottom: 24px;
  color: var(--muted);
  font-size: 0.92rem;
}

.program-card a {
  margin-top: auto;
  color: var(--red-600);
  font-size: 0.85rem;
  font-weight: 900;
}

.program-card a span {
  margin-left: 4px;
}

.broker-section {
  color: var(--white);
  background:
    radial-gradient(circle at 90% 10%, rgba(215, 31, 43, 0.22), transparent 30%),
    var(--navy-950);
}

.broker-grid {
  display: grid;
  align-items: start;
  gap: 100px;
  grid-template-columns: 0.9fr 1.1fr;
}

.broker-section p {
  color: rgba(255, 255, 255, 0.72);
}

.broker-section .button {
  margin-top: 16px;
}

.advantage-list {
  display: grid;
  gap: 16px;
}

.advantage-list article {
  display: grid;
  align-items: center;
  gap: 22px;
  padding: 26px;
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.06);
  grid-template-columns: 48px 1fr;
}

.advantage-list article > span {
  color: #ff7881;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.6rem;
}

.advantage-list h3 {
  margin-bottom: 5px;
}

.advantage-list p {
  margin: 0;
  font-size: 0.9rem;
}

.team-section {
  background: linear-gradient(to bottom, #fff 0 48%, var(--soft) 48%);
}

.team-grid {
  display: grid;
  gap: 30px;
  grid-template-columns: repeat(2, 1fr);
}

.team-card {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 22px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.portrait-wrap {
  position: relative;
  height: 500px;
  overflow: hidden;
  background: #dfe7f1;
}

.portrait-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 24%;
}

.portrait-wrap .portrait-jacob {
  object-position: center 15%;
}

.team-card-copy {
  padding: 38px;
}

.team-card-copy h3 {
  margin-bottom: 5px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.5rem;
}

.role {
  margin-bottom: 24px;
  color: var(--red-600);
  font-size: 0.83rem;
  font-weight: 900;
  letter-spacing: 0.02em;
}

.bio-placeholder {
  padding: 20px;
  border-left: 3px solid var(--red-600);
  border-radius: 0 10px 10px 0;
  background: var(--soft);
}

.bio-placeholder strong {
  font-size: 0.83rem;
}

.bio-placeholder p {
  margin: 7px 0 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.team-card-copy .button {
  margin-top: 24px;
}

.contact-grid {
  display: grid;
  align-items: start;
  gap: 72px;
  grid-template-columns: 0.8fr 1.2fr;
}

.contact-copy > p {
  margin-bottom: 36px;
}

.contact-detail {
  display: grid;
  align-items: center;
  gap: 15px;
  margin: 18px 0;
  grid-template-columns: 42px 1fr;
}

.contact-detail > span {
  display: grid;
  width: 42px;
  height: 42px;
  border-radius: 10px;
  color: var(--red-600);
  background: #fff0f1;
  place-items: center;
}

.contact-detail p {
  margin: 2px 0 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.contact-form {
  padding: 38px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.form-heading {
  margin-bottom: 25px;
}

.form-heading span {
  color: var(--red-600);
  font-size: 0.7rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.form-heading h3 {
  margin: 3px 0 0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2rem;
}

.contact-form label {
  display: grid;
  gap: 7px;
  margin-bottom: 17px;
  font-size: 0.78rem;
  font-weight: 850;
}

.form-row {
  display: grid;
  gap: 15px;
  grid-template-columns: repeat(2, 1fr);
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  border: 1px solid #ccd6e3;
  border-radius: 9px;
  outline: 0;
  color: var(--ink);
  background: var(--white);
  font: inherit;
  font-size: 0.9rem;
  transition:
    border-color 160ms ease,
    box-shadow 160ms ease;
}

.contact-form input,
.contact-form select {
  height: 48px;
  padding: 0 13px;
}

.contact-form textarea {
  min-height: 120px;
  padding: 12px 13px;
  resize: vertical;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--red-600);
  box-shadow: 0 0 0 3px rgba(215, 31, 43, 0.12);
}

.consent-placeholder {
  margin: 4px 0 18px;
  padding: 15px;
  border: 1px dashed #c2ccda;
  border-radius: 9px;
  color: var(--muted);
  background: var(--soft);
  font-size: 0.76rem;
}

.form-status {
  min-height: 20px;
  margin: 12px 0 0;
  color: var(--red-700);
  font-size: 0.8rem;
  font-weight: 800;
  text-align: center;
}

.closing-cta {
  padding: 84px 0;
  color: var(--white);
  background:
    radial-gradient(circle at 8% 100%, rgba(215, 31, 43, 0.23), transparent 28%),
    radial-gradient(circle at 95% 5%, rgba(255, 255, 255, 0.07), transparent 24%),
    var(--navy-900);
}

.centered {
  text-align: center;
}

.closing-cta p {
  max-width: 650px;
  margin: 0 auto 28px;
  color: rgba(255, 255, 255, 0.72);
}

.closing-cta .button {
  margin: 5px;
}

.site-footer {
  padding: 70px 0 24px;
  color: rgba(255, 255, 255, 0.68);
  background: #06162d;
  font-size: 0.84rem;
}

.footer-grid {
  display: grid;
  gap: 50px;
  grid-template-columns: 1.8fr 1fr 1fr 1.2fr;
}

.footer-grid img {
  width: 240px;
  height: 90px;
  margin-bottom: 18px;
  padding: 8px;
  border-radius: 8px;
  background: var(--white);
  object-fit: contain;
}

.footer-grid h3 {
  margin-bottom: 17px;
  color: var(--white);
  font-size: 0.92rem;
}

.footer-grid a,
.footer-grid p {
  display: block;
  margin: 0 0 9px;
}

.footer-grid a:hover,
.footer-grid a:focus-visible {
  color: var(--white);
}

.license-note {
  max-width: 420px;
  margin-top: 18px !important;
  padding-left: 13px;
  border-left: 2px solid var(--red-600);
  font-size: 0.76rem;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  margin-top: 48px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.75rem;
}

.footer-bottom p {
  margin: 0;
}

@media (max-width: 1050px) {
  .primary-nav {
    gap: 15px;
    font-size: 0.82rem;
  }

  .hero-grid,
  .broker-grid {
    gap: 48px;
  }

  .four-step-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 860px) {
  html {
    scroll-padding-top: 104px;
  }

  .header-inner {
    min-height: 74px;
  }

  .brand img {
    width: 200px;
    height: 62px;
  }

  .menu-toggle {
    display: block;
  }

  .primary-nav {
    position: absolute;
    top: 100%;
    right: 0;
    left: 0;
    display: none;
    height: calc(100dvh - 74px);
    overflow-y: auto;
    align-items: stretch;
    flex-direction: column;
    gap: 0;
    padding: 26px 20px;
    background: rgba(255, 255, 255, 0.99);
  }

  .primary-nav.open {
    display: flex;
  }

  .primary-nav > a:not(.button) {
    padding: 15px 8px;
    border-bottom: 1px solid var(--line);
    font-size: 1rem;
  }

  .primary-nav .button {
    margin-top: 22px;
  }

  .hero {
    padding: 72px 0 108px;
  }

  .hero-grid,
  .broker-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .hero h1 {
    font-size: clamp(3rem, 11vw, 4.7rem);
  }

  .program-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .broker-grid,
  .contact-grid {
    gap: 54px;
  }

  .team-grid {
    gap: 24px;
  }

  .portrait-wrap {
    height: 390px;
  }

  .team-card-copy {
    padding: 30px;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 620px) {
  .shell {
    width: min(100% - 28px, 1180px);
  }

  .draft-banner {
    padding: 7px 12px;
    font-size: 0.64rem;
  }

  .brand img {
    width: 170px;
    height: 56px;
  }

  .hero {
    padding-top: 56px;
  }

  .hero h1 {
    font-size: 2.95rem;
  }

  .hero-lead {
    font-size: 1rem;
  }

  .hero-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .process-card-heading,
  .process-card ol {
    padding-right: 20px;
    padding-left: 20px;
  }

  .process-card > .button {
    width: calc(100% - 40px);
    margin-right: 20px;
    margin-left: 20px;
  }

  .trust-grid {
    gap: 18px;
    grid-template-columns: 1fr;
  }

  .trust-grid > div {
    padding: 4px 14px;
  }

  .section {
    padding: 80px 0;
  }

  .section-heading {
    margin-bottom: 36px;
  }

  .section-heading h2,
  .broker-section h2,
  .contact-section h2,
  .closing-cta h2 {
    font-size: 2.55rem;
  }

  .four-step-grid,
  .program-grid,
  .team-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .four-step-grid article,
  .program-card {
    min-height: 0;
    padding: 26px;
  }

  .portrait-wrap {
    height: 430px;
  }

  .team-card-copy,
  .contact-form {
    padding: 25px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}