:root{
  --navy:#2f4a6d; --navy-dk:#233850; --red:#8e2b26; --ink:#1c2129; --soft:#55606e;
  --line:#e2e7ee; --bg:#fff; --tint:#f5f8fb; --shadow:0 1px 2px rgba(30,45,70,.04),0 10px 30px rgba(30,45,70,.07);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{background:var(--bg);color:var(--ink);
  font:17px/1.68 "Segoe UI",-apple-system,BlinkMacSystemFont,system-ui,Roboto,"Helvetica Neue",Arial,sans-serif;
  -webkit-font-smoothing:antialiased;font-feature-settings:"cv05","ss01"}
h1,h2,h3,.price,.stats b,.fbrand{font-family:Georgia,"Iowan Old Style",Palatino,"Book Antiqua",serif;
  letter-spacing:-.012em}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
a{color:var(--navy)}
img{max-width:100%}

.skip{position:absolute;left:-9999px;top:0;z-index:100;background:var(--navy);color:#fff;
  padding:12px 20px;border-radius:0 0 8px 0;font-weight:650;text-decoration:none}
.skip:focus{left:0}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{
  outline:3px solid var(--navy);outline-offset:2px}

/* ---------- nav ---------- */
nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.brand{display:flex;align-items:center;text-decoration:none;line-height:0}
.brand img{height:38px;width:auto;display:block}
@media(max-width:480px){.brand img{height:32px}}
.links{display:flex;gap:24px;font-size:.93rem;font-weight:550}
.links a{color:var(--soft);text-decoration:none}
.links a:hover,.links a[aria-current=page]{color:var(--navy)}
.navcta{background:var(--navy);color:#fff;padding:9px 18px;border-radius:7px;
  font-size:.9rem;font-weight:650;white-space:nowrap;text-decoration:none}
.navcta:hover{background:var(--navy-dk)}
@media(max-width:820px){
  nav .wrap{flex-wrap:wrap;height:auto;padding-top:12px;padding-bottom:10px;
    row-gap:8px;column-gap:12px}
  .brand{order:1}
  .navcta{order:2;margin-left:auto}
  .links{order:3;flex-basis:100%;gap:0;overflow-x:auto;-webkit-overflow-scrolling:touch;
    border-top:1px solid var(--line);padding-top:8px;margin-top:2px;
    scrollbar-width:none}
  .links::-webkit-scrollbar{display:none}
  .links a{white-space:nowrap;padding:4px 14px 4px 0;font-size:.9rem}
}

/* ---------- page head ---------- */
.phead{background:linear-gradient(170deg,var(--tint) 0%,#fff 78%);
  border-bottom:1px solid var(--line);padding:64px 0 54px}
.phead.big{padding:80px 0 68px}
.eyebrow{display:inline-block;background:#fdeeec;color:var(--red);font-size:.76rem;
  font-weight:750;letter-spacing:.09em;text-transform:uppercase;
  padding:6px 13px;border-radius:99px;margin-bottom:18px}
h1{font-size:clamp(2.1rem,5.2vw,3.4rem);line-height:1.05;letter-spacing:-.028em;font-weight:600;max-width:18ch}
h1.wide{max-width:24ch}
h1 em{font-style:italic;color:var(--navy)}
.lede{margin-top:18px;font-size:clamp(1.02rem,2.1vw,1.2rem);color:var(--soft);max-width:58ch}
.btns{margin-top:30px;display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 25px;border-radius:8px;font-weight:650;
  font-size:1rem;text-decoration:none}
.btn.p{background:var(--navy);color:#fff;box-shadow:var(--shadow)}
.btn.p:hover{background:var(--navy-dk)}
.btn.s{border:1.5px solid var(--line);color:var(--ink);background:#fff}
.btn.s:hover{border-color:var(--navy);color:var(--navy)}

/* ---------- stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);
  border-bottom:1px solid var(--line)}
.stats div{background:#fff;padding:24px 14px;text-align:center}
.stats b{display:block;font-size:1.95rem;font-weight:600;color:var(--navy);letter-spacing:-.02em;
  line-height:1.1}
.stats b .amp{font-size:.75em;opacity:.6}
@media(max-width:900px){.stats b{font-size:1.6rem}}
.stats span{font-size:.73rem;color:var(--soft);text-transform:uppercase;letter-spacing:.09em;font-weight:650}
@media(max-width:640px){.stats{grid-template-columns:repeat(2,1fr)}}

/* ---------- sections ---------- */
section{padding:72px 0}
section.tint{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.tight{padding:52px 0}
.kicker{font-size:.76rem;font-weight:750;letter-spacing:.11em;text-transform:uppercase;
  color:var(--red);margin-bottom:10px}
h2{font-size:clamp(1.7rem,3.6vw,2.35rem);letter-spacing:-.022em;line-height:1.14;
  font-weight:600;max-width:22ch}
h3{font-size:1.24rem;font-weight:600;letter-spacing:-.012em}
.sub{margin-top:13px;color:var(--soft);max-width:58ch;font-size:1.03rem}

/* ---------- cards ---------- */
.cards{display:grid;gap:22px;margin-top:38px;grid-template-columns:repeat(auto-fit,minmax(268px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px 26px;
  box-shadow:var(--shadow);display:flex;flex-direction:column}
.card.hi{border:2px solid var(--navy);position:relative}
.tag{position:absolute;top:-11px;left:26px;background:var(--navy);color:#fff;
  font-size:.68rem;font-weight:750;letter-spacing:.08em;text-transform:uppercase;
  padding:4px 12px;border-radius:99px}
.price{margin:13px 0 4px;font-size:2.15rem;font-weight:600;color:var(--navy);letter-spacing:-.025em}
.price small{font-size:.86rem;font-weight:600;color:var(--soft);letter-spacing:0}
.when{font-size:.89rem;color:var(--red);font-weight:650;margin-bottom:13px}
.card p{color:var(--soft);font-size:.96rem;flex:1}
.card ul{list-style:none;margin:13px 0 0;font-size:.93rem;color:var(--soft)}
.card li{padding-left:21px;position:relative;margin-bottom:7px}
.card li::before{content:"";position:absolute;left:2px;top:8px;width:7px;height:7px;
  border-radius:50%;background:var(--navy);opacity:.55}

/* ---------- two column ---------- */
.two{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:start}
@media(max-width:860px){.two{grid-template-columns:1fr;gap:32px}}
.panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:var(--shadow)}
.panel h4{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;
  color:var(--soft);font-weight:750;margin-bottom:13px}
.rate{display:flex;justify-content:space-between;gap:16px;padding:12px 0;
  border-bottom:1px solid var(--line);font-size:.98rem}
.rate:last-child{border-bottom:0}
.rate b{font-weight:600}
.rate>span{color:var(--navy);font-weight:750;white-space:nowrap}
.rate small{display:block;color:var(--soft);font-size:.85rem;font-weight:400}

.body p{color:var(--soft);margin-bottom:15px;font-size:1.02rem}
.body p strong{color:var(--ink);font-weight:650}
.body ul.arrow{list-style:none;margin:18px 0}
.body ul.arrow li{position:relative;padding-left:26px;margin-bottom:11px;color:var(--soft)}
.body ul.arrow li::before{content:"\2192";position:absolute;left:0;color:var(--red);font-weight:700}
.body ul.arrow li b{color:var(--ink);font-weight:650}

/* ---------- app panel ---------- */
.app{background:var(--navy);color:#fff;border-radius:16px;padding:42px 38px;
  display:grid;grid-template-columns:1.15fr .85fr;gap:42px;align-items:center}
@media(max-width:860px){.app{grid-template-columns:1fr;padding:32px 24px;gap:24px}}
.app h2{color:#fff;max-width:100%}
.app .kicker{color:#f0b8ac}
.app p{color:#c6d4e4;margin-top:13px;font-size:1.01rem}
.app .btn{background:#fff;color:var(--navy);margin-top:22px}
.applist{list-style:none;font-size:.94rem}
.applist li{padding:10px 0;border-bottom:1px solid rgba(255,255,255,.16);color:#dce6f1}
.applist li:last-child{border-bottom:0}
.applist b{color:#fff;font-weight:650}

/* ---------- legal / long-form ---------- */
.legal{padding:56px 0 80px}
.legal h2{font-size:1.28rem;margin:38px 0 10px;max-width:100%;letter-spacing:-.015em}
.legal h2:first-of-type{margin-top:8px}
.legal h3{font-size:1.02rem;margin:22px 0 6px}
.legal p,.legal li{color:var(--soft);font-size:1rem;margin-bottom:12px}
.legal ul,.legal ol{margin:0 0 14px 22px}
.legal li{margin-bottom:7px}
.legal strong{color:var(--ink);font-weight:650}
.legal .updated{color:var(--soft);font-size:.9rem;margin-bottom:26px}
.summary{background:var(--tint);border-left:3px solid var(--navy);border-radius:0 10px 10px 0;
  padding:18px 22px;margin:0 0 30px}
.summary p{margin:0;color:var(--ink)}
.summary b{display:block;margin-bottom:5px;font-weight:700}
.note{border-left:3px solid var(--red);background:#fdf1ef;border-radius:0 10px 10px 0;
  padding:16px 20px;margin:22px 0}
.note p{margin:0;color:#5c3b37}
table.t{width:100%;border-collapse:collapse;margin:14px 0 20px}
table.t th{text-align:left;font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;
  color:var(--soft);padding:0 10px 9px;border-bottom:1px solid var(--line);font-weight:750}
table.t td{padding:11px 10px;border-bottom:1px solid var(--line);vertical-align:top;
  font-size:.96rem;color:var(--soft)}
table.t td:first-child{color:var(--ink);font-weight:600}
.tblwrap{overflow-x:auto}

/* ---------- contact ---------- */
.centre{text-align:center}
.centre h2{margin:0 auto}
.centre .sub{margin:14px auto 0}
.cbtns{margin-top:28px;display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* ---------- footer ---------- */
footer{background:#fbfcfd;border-top:1px solid var(--line);padding:52px 0 34px;margin-top:0}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}
@media(max-width:820px){.fgrid{grid-template-columns:1fr 1fr;gap:28px}}
@media(max-width:480px){.fgrid{grid-template-columns:1fr}}
.fgrid h5{font-size:.74rem;text-transform:uppercase;letter-spacing:.1em;
  color:var(--soft);font-weight:750;margin-bottom:12px}
.fgrid a{display:block;color:var(--soft);text-decoration:none;font-size:.92rem;margin-bottom:8px}
.fgrid a:hover{color:var(--navy)}
.fabout p{color:var(--soft);font-size:.92rem;margin-top:10px;max-width:34ch}
.fbrand{height:56px;width:auto;display:block}
.legalbar{margin-top:38px;padding-top:22px;border-top:1px solid var(--line);
  color:#8b95a3;font-size:.82rem;line-height:1.7}
.legalbar p{margin-bottom:9px}
.legalbar p:last-child{margin-bottom:0}


/* ---------- reviews ---------- */
.reviews{background:var(--navy);color:#fff;padding:82px 0}
.reviews .kicker{color:#f0b8ac}
.reviews h2{color:#fff}
.reviews .sub{color:#c2d0e0}
.rgrid{display:grid;gap:20px;margin-top:42px;grid-template-columns:repeat(auto-fit,minmax(290px,1fr))}
.rev{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);
  border-radius:14px;padding:24px 24px 20px}
.stepno{font-family:Georgia,Palatino,serif;font-size:1.55rem;color:#f0b8ac;
  font-weight:600;margin-bottom:8px;letter-spacing:-.01em}
.rev h3{color:#fff;margin-bottom:9px;font-size:1.16rem}
.rev p{color:#e4ecf5;font-size:1rem;line-height:1.6}
.rev cite{display:block;margin-top:14px;font-style:normal;font-size:.88rem;
  color:#9fb3c9;letter-spacing:.04em}
.rev cite b{color:#fff;font-weight:650;font-style:normal}
.revfoot{margin-top:30px;font-size:.9rem;color:#9fb3c9}


/* ---------- portraits ---------- */
.portrait{width:100%;max-width:330px;height:auto;border-radius:14px;display:block;
  margin:0 0 24px;box-shadow:var(--shadow)}
.mugshot{width:104px;height:104px;border-radius:50%;object-fit:cover;display:block;
  margin:0 0 18px;box-shadow:0 2px 10px rgba(30,45,70,.16);border:3px solid #fff}
@media(max-width:860px){.portrait{max-width:260px}}


/* ---------- contact form ---------- */
.cform label{display:block;font-size:.88rem;font-weight:650;color:var(--ink);margin-bottom:14px}
.cform input[type=text],.cform input[type=email],.cform textarea{
  display:block;width:100%;margin-top:6px;padding:11px 13px;font:inherit;font-size:.97rem;
  border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);
  font-weight:400}
.cform textarea{resize:vertical;min-height:110px}
.cform input:focus,.cform textarea:focus{outline:none;border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(47,74,109,.12)}
.cform button{border:0;cursor:pointer;font:inherit;font-weight:650;margin-top:4px}