*{box-sizing:border-box;margin:0;padding:0}
:root{
  --ink:#2b3a55;--ink-d:#1f2a3f;--clay:#c4704a;--claytx:#9e4f2c;--tint:#f3e7dc;--tint2:#f8efe7;
  --paper:#faf7f2;--white:#ffffff;--night:#1a2030;--night2:#232a3d;--sand:#e8c4a6;
  --body:#262a33;--mid:#4f5361;--grey:#6b6d78;--border:#e9e3da;
  --serif:'DM Serif Display',Georgia,serif;
  --sans:'DM Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--paper);color:var(--body);font-size:16px;line-height:1.7}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.link{color:var(--claytx);font-weight:500;border-bottom:1px solid rgba(158,79,44,.3)}
.link:hover{border-color:var(--claytx)}

/* NAV */
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 48px;background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;box-shadow:0 1px 8px rgba(31,42,63,.05)}
.nav-logo{display:flex;align-items:center;gap:10px;flex-shrink:0}
.nav-logo-name{font-size:15px;font-weight:500;color:var(--body);white-space:nowrap}
.nav-logo-name span{color:var(--claytx)}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{font-size:13.5px;color:var(--grey);transition:color .2s;white-space:nowrap}
.nav-links a:hover{color:var(--body)}
.nav-links a.active{color:var(--ink);font-weight:600}
.nav-links a.book{background:var(--ink);color:var(--white);padding:8px 16px;border-radius:20px;font-weight:500}
.nav-links a.book:hover{background:var(--ink-d)}

/* BUTTONS */
.btn{display:inline-block;padding:13px 26px;border-radius:24px;font-size:14.5px;font-weight:500;font-family:var(--sans);transition:background .2s,border-color .2s;cursor:pointer;border:none}
.btn-ink{background:var(--ink);color:var(--white)}
.btn-ink:hover{background:var(--ink-d)}
.btn-line{border:1.5px solid var(--ink);color:var(--ink);background:transparent;padding:11.5px 24px}
.btn-line:hover{background:var(--white)}
.btn-clay{background:var(--clay);color:var(--night)}
.btn-clay:hover{background:#d4825c}

/* SHARED */
.sec{padding:72px 48px}
.sec-tag{font-size:11.5px;letter-spacing:.13em;text-transform:uppercase;color:var(--claytx);margin-bottom:8px;font-weight:600}
.sec-h2{font-family:var(--serif);font-size:32px;font-weight:400;color:var(--ink-d);margin-bottom:12px;line-height:1.22}
.sec-sub{font-size:15.5px;color:var(--mid);max-width:620px;line-height:1.75;margin-bottom:34px}
.wrap{max-width:1120px;margin:0 auto}
.tag{display:inline-block;background:var(--tint);color:var(--claytx);font-size:12px;padding:5px 14px;border-radius:20px;margin-bottom:22px;font-weight:600;letter-spacing:.03em}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{background:var(--tint);color:var(--ink);font-size:12.5px;padding:5px 13px;border-radius:20px;font-weight:500}

/* HERO */
.hero{background:var(--white);padding:64px 48px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.h1{font-family:var(--serif);font-size:46px;font-weight:400;line-height:1.12;color:var(--ink-d);margin-bottom:20px}
.h1 em{font-style:italic;color:var(--claytx)}
.hero-sub{font-size:17px;color:var(--mid);line-height:1.75;max-width:520px;margin-bottom:30px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-bottom:24px}
.hero-call{display:inline-flex;align-items:center;gap:7px;font-size:15px;color:var(--ink);font-weight:500}
.hero-call i{font-size:18px;color:var(--claytx)}
.photo-card{position:relative;max-width:440px;justify-self:center;width:100%}
.photo-card picture img{width:100%;height:420px;object-fit:cover;object-position:center 22%;border-radius:20px}
.photo-cap{position:absolute;left:18px;right:18px;bottom:18px;background:rgba(255,255,255,.95);border-radius:14px;padding:16px 18px;box-shadow:0 8px 24px rgba(31,42,63,.15)}
.photo-cap-name{font-family:var(--serif);font-size:21px;color:var(--ink-d);line-height:1.2}
.photo-cap-cred{font-size:13px;color:var(--mid);margin-top:2px}
.photo-cap .chips{margin-top:10px}
.glance{background:var(--tint2);border:1px solid var(--tint);border-radius:18px;padding:28px 26px}
.glance-t{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--claytx);font-weight:600;margin-bottom:12px}
.glance-row{display:flex;gap:12px;align-items:flex-start;padding:12px 0;border-bottom:1px solid rgba(43,58,85,.1)}
.glance-row:last-child{border-bottom:none}
.glance-row i{font-size:19px;color:var(--ink);min-width:19px;margin-top:3px}
.glance-k{font-size:14.5px;font-weight:600;color:var(--ink-d)}
.glance-v{font-size:13.5px;color:var(--mid);line-height:1.55}
.back{font-size:13px;color:var(--grey);display:inline-flex;align-items:center;gap:5px;margin-bottom:18px}
.back:hover{color:var(--body)}

/* DOORWAYS */
.doors{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.door{background:var(--white);border:1px solid var(--border);border-radius:18px;padding:32px 28px;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s,border-color .2s}
.door:hover{box-shadow:0 10px 30px rgba(31,42,63,.10);transform:translateY(-2px);border-color:#ddd2c4}
.door-icon{width:52px;height:52px;border-radius:14px;background:var(--ink);display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.door-icon i{font-size:25px;color:var(--sand)}
.door-t{font-family:var(--serif);font-size:25px;color:var(--ink-d);margin-bottom:10px;line-height:1.2}
.door-b{font-size:15px;color:var(--mid);line-height:1.7;margin-bottom:18px;flex:1}
.door-go{font-size:14.5px;color:var(--claytx);font-weight:600;display:inline-flex;align-items:center;gap:6px}

/* SPLIT / PROSE */
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:start}
.prose p{font-size:16px;color:var(--mid);line-height:1.85;margin-bottom:16px}
.prose h3{font-family:var(--serif);font-size:22px;font-weight:400;color:var(--ink-d);margin:28px 0 10px}
.prose p:last-child{margin-bottom:0}
.card{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:18px 18px;display:flex;gap:13px;align-items:flex-start;margin-bottom:12px}
.card:last-child{margin-bottom:0}
.card i{font-size:20px;color:var(--claytx);min-width:20px;margin-top:2px}
.card-t{font-size:15px;font-weight:600;color:var(--ink-d);margin-bottom:3px}
.card-b{font-size:14px;color:var(--mid);line-height:1.6}

/* CRED LIST */
.creds{background:var(--white);border:1px solid var(--border);border-radius:18px;padding:26px 24px}
.creds-t{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--claytx);font-weight:600;margin-bottom:14px}
.cred{display:flex;gap:11px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--border)}
.cred:last-child{border-bottom:none}
.cred i{font-size:18px;color:var(--ink);min-width:18px;margin-top:3px}
.cred-k{font-size:14.5px;font-weight:600;color:var(--ink-d)}
.cred-v{font-size:13.5px;color:var(--grey);line-height:1.5}

/* SIGNS */
.signs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.sign{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:22px 20px}
.sign i{font-size:22px;color:var(--claytx);display:block;margin-bottom:10px}
.sign-t{font-size:15.5px;font-weight:600;color:var(--ink-d);margin-bottom:5px}
.sign-b{font-size:14px;color:var(--mid);line-height:1.65}

/* METHODS (dark) */
.dark{background:var(--night);color:var(--white)}
.dark .sec-tag{color:var(--sand)}
.dark .sec-h2{color:var(--white)}
.dark .sec-sub{color:rgba(255,255,255,.72)}
.methods{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.method{background:var(--night2);border:1px solid #333b52;border-radius:16px;padding:24px 22px}
.method-k{font-size:12px;color:var(--sand);font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-bottom:6px}
.method-t{font-family:var(--serif);font-size:21px;color:var(--white);margin-bottom:8px;line-height:1.25}
.method-b{font-size:14px;color:rgba(255,255,255,.72);line-height:1.7}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.step{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:22px 20px}
.step-n{width:32px;height:32px;border-radius:50%;background:var(--tint);color:var(--claytx);font-size:13px;font-weight:700;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step-t{font-size:15.5px;font-weight:600;color:var(--ink-d);margin-bottom:5px}
.step-b{font-size:14px;color:var(--mid);line-height:1.6}

/* INSURANCE */
.ins{background:var(--tint2);border-top:1px solid var(--tint);border-bottom:1px solid var(--tint)}
.ins-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.ins-list{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.ins-item{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:14px 16px;display:flex;align-items:center;gap:10px;font-size:15px;font-weight:600;color:var(--ink-d)}
.ins-item i{font-size:18px;color:var(--claytx)}
.ins-notes{margin-top:18px;display:flex;flex-direction:column;gap:10px}
.ins-note{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--mid);line-height:1.65}
.ins-note i{font-size:18px;color:var(--ink);min-width:18px;margin-top:3px}

/* NOTE BOX */
.note{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--clay);border-radius:12px;padding:20px 22px;display:flex;gap:13px;align-items:flex-start;margin-top:28px}
.note i{font-size:21px;color:var(--claytx);min-width:21px;margin-top:2px}
.note-t{font-size:15.5px;font-weight:600;color:var(--ink-d);margin-bottom:4px}
.note-b{font-size:14.5px;color:var(--mid);line-height:1.7}

/* FAQ */
.faq{max-width:800px}
.faq details{border-bottom:1px solid var(--border);padding:18px 0}
.faq summary{font-size:16.5px;font-weight:600;color:var(--ink-d);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';font-size:22px;color:var(--claytx);line-height:1;font-weight:400}
.faq details[open] summary::after{content:'\2212'}
.faq details p{font-size:15px;color:var(--mid);line-height:1.8;margin-top:10px}

/* CTA */
.cta{background:var(--ink);padding:64px 48px}
.cta-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}
.cta h2{font-family:var(--serif);font-size:32px;font-weight:400;color:var(--white);line-height:1.22;margin-bottom:12px}
.cta p{font-size:16px;color:rgba(255,255,255,.78);line-height:1.8;max-width:520px;margin-bottom:24px}
.cta-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:24px 24px}
.cta-row{display:flex;gap:12px;align-items:flex-start;padding:9px 0}
.cta-row i{font-size:19px;color:var(--sand);min-width:19px;margin-top:3px}
.cta-k{font-size:12.5px;color:rgba(255,255,255,.62)}
.cta-v{font-size:15.5px;color:var(--white);font-weight:500}

/* CONTACT */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.info-row{display:flex;gap:12px;align-items:flex-start;margin-bottom:20px}
.info-row i{font-size:20px;color:var(--claytx);min-width:20px;margin-top:3px}
.info-k{font-size:12.5px;color:var(--grey)}
.info-v{font-size:16px;color:var(--ink-d);font-weight:500}
.info-s{font-size:13.5px;color:var(--grey)}
form.fm{background:var(--white);border:1px solid var(--border);border-radius:18px;padding:28px 26px;box-shadow:0 4px 20px rgba(31,42,63,.05)}
.fm-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fm label{display:block;font-size:13.5px;color:var(--mid);margin-bottom:5px;font-weight:500}
.fm input,.fm select,.fm textarea{width:100%;padding:12px 13px;border:1px solid #dcd5ca;border-radius:10px;font-size:15px;font-family:var(--sans);background:var(--paper);color:var(--body);margin-bottom:14px}
.fm input:focus,.fm select:focus,.fm textarea:focus{outline:2px solid var(--clay);outline-offset:1px;background:var(--white)}
.fm textarea{min-height:100px;resize:vertical}
.fm .btn{width:100%;margin-top:4px}
.fm-fine{font-size:12.5px;color:var(--grey);text-align:center;margin-top:12px;line-height:1.55}

/* FOOTER */
footer{background:var(--night);padding:44px 48px 30px}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:28px}
.f-title{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--sand);margin-bottom:12px;font-weight:600}
.f-blurb{font-size:13.5px;color:#a9adba;line-height:1.75;max-width:340px}
.f-links{display:flex;flex-direction:column;gap:8px}
.f-links a{font-size:13.5px;color:#a9adba;transition:color .2s}
.f-links a:hover{color:var(--sand)}
.f-crisis{font-size:13px;color:#a9adba;line-height:1.7;border-top:1px solid #2e3548;padding-top:18px;margin-bottom:12px}
.f-crisis strong{color:#e3e5ec}
.f-legal{font-size:12px;color:#7f8496;line-height:1.7}

@media(max-width:960px){
  .nav{padding:12px 20px;flex-wrap:wrap;gap:10px}
  .nav-links{gap:16px;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;width:100%;padding-bottom:2px}
  .nav-links::-webkit-scrollbar{display:none}
  .sec,.hero,.cta{padding:52px 22px}
  footer{padding:40px 22px 26px}
  .hero-grid,.split,.ins-grid,.cta-grid,.contact-grid{grid-template-columns:1fr;gap:36px}
  .doors{grid-template-columns:1fr}
  .methods,.steps,.signs{grid-template-columns:1fr 1fr}
  .f-grid{grid-template-columns:1fr;gap:26px}
  .h1{font-size:37px}
  .photo-card picture img{height:380px}
}
@media(max-width:600px){
  .methods,.steps,.signs,.ins-list,.fm-row{grid-template-columns:1fr}
  .h1{font-size:32px}
  .sec-h2,.cta h2{font-size:27px}
}