:root{
  --sky:#9FB4CF;
  --sky-soft:#D6E4F4;
  --sky-pale:#E7F0FA;
  --blue-mid:#4A6E97;
  --blue-mid-dark:#3C5C80;
  --gold:#D9A330;
  --gold-deep:#8A5F0F;
  --gold-light:#E8C063;
  --gold-wash:#FCF6E8;
  --paper:#F7FAFD;
  --card:#FFFFFF;
  --ink-strong:#080F17;
  --ink:#111C28;
  --ink-soft:#2C3B4D;
  --rule:#DCE2EC;
  --alert:#9A3412;
  --alert-bg:#FDF1EA;
}
*{box-sizing:border-box}
html{scroll-behavior:auto}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  font-size:17px;line-height:1.55;
}
.ag-wrap{max-width:1100px;margin:0 auto;padding:0 22px}
.band,.ref-band,.hero,.rf{scroll-margin-top:84px}
.ag-narrow{max-width:840px;margin:0 auto;padding:0 22px}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;font-weight:700;letter-spacing:-.01em;margin:0}
p{margin:0 0 16px}
a{color:var(--blue-mid)}

.eyebrow{
  font-family:Inter,sans-serif;font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;
  font-weight:800;color:var(--gold-deep);margin:0 0 12px
}
.rule-gold{width:52px;height:3px;background:var(--gold);border-radius:2px;margin:0 0 22px}

/* ---------- nav ---------- */
.ag-nav{
  position:sticky;top:0;z-index:60;background:rgba(214,228,244,.97);
  backdrop-filter:blur(6px);border-bottom:1px solid rgba(217,163,48,.34)
}
.ag-nav-in{max-width:1100px;margin:0 auto;padding:10px 22px;display:flex;align-items:center;gap:22px}
.ag-brand{display:flex;align-items:center;margin-right:auto;text-decoration:none}
.ag-brand img{height:52px;width:auto;display:block}
.ag-nav a.lnk{color:#16202D;text-decoration:none;font-size:15.5px;font-weight:700;white-space:nowrap}
.ag-nav a.lnk:hover{color:var(--blue-mid)}
.ag-nav a.navcta{
  background:var(--gold);color:#1A1102;text-decoration:none;font-weight:700;
  font-size:14.5px;padding:10px 18px;border-radius:6px;white-space:nowrap
}
.ag-nav a.navcta:hover{background:var(--gold-light)}
.menu-btn{
  display:none;background:transparent;border:1px solid rgba(22,32,45,.35);border-radius:7px;
  padding:9px 13px;font-size:14.5px;font-weight:700;color:#16202D;cursor:pointer;
  align-items:center;gap:8px
}
.menu-btn:hover{border-color:var(--blue-mid);color:var(--blue-mid)}
.menu-btn .bars{display:inline-block;width:16px;height:2px;background:currentColor;position:relative}
.menu-btn .bars::before,.menu-btn .bars::after{
  content:"";position:absolute;left:0;width:16px;height:2px;background:currentColor
}
.menu-btn .bars::before{top:-5px}
.menu-btn .bars::after{top:5px}
.menu-panel{display:none;width:100%;border-top:1px solid rgba(22,32,45,.15);margin-top:10px;padding-top:8px}
.menu-panel.open{display:block}
.menu-panel a{
  display:block;padding:13px 4px;color:#16202D;text-decoration:none;
  font-size:16.5px;font-weight:600;border-bottom:1px solid rgba(22,32,45,.10)
}
.menu-panel a:last-child{border-bottom:none}
.menu-panel a.gold{color:var(--gold-deep)}

/* ---------- hero ---------- */
.hero{background:var(--sky-soft);color:var(--ink);padding:70px 0 64px;position:relative;overflow:hidden}
.hero-in{
  max-width:1100px;margin:0 auto;padding:0 22px;
  display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center
}
.hero h1{font-size:clamp(38px,5.6vw,60px);line-height:1.06;color:var(--ink-strong);margin-bottom:18px}
.hero .tag{
  font-family:"Playfair Display",Georgia,serif;font-style:italic;
  font-size:21px;font-weight:600;color:var(--gold-deep);margin-bottom:22px
}
.hero p.lede{font-size:19px;font-weight:500;color:var(--ink-soft);max-width:52ch;margin-bottom:30px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.hero-logo{text-align:center}
.hero-logo img{
  width:100%;max-width:400px;height:auto;
  filter:drop-shadow(0 14px 30px rgba(28,39,51,.20))
}
.btn{
  display:inline-block;text-decoration:none;font-weight:700;font-size:15.5px;
  padding:15px 28px;border-radius:7px;border:1px solid transparent;cursor:pointer;
  font-family:Inter,sans-serif;transition:.14s
}
.btn-gold{background:var(--gold);color:#1A1102}
.btn-gold:hover{background:var(--gold-light)}
.btn-line{border-color:var(--blue-mid);color:var(--blue-mid)}
.btn-line:hover{background:rgba(74,110,151,.10);border-color:var(--blue-mid-dark);color:var(--blue-mid-dark)}
.hero-strip{
  display:flex;gap:38px;flex-wrap:wrap;margin-top:44px;padding-top:24px;
  border-top:1px solid rgba(74,110,151,.28)
}
.hero-strip div{font-size:14px;font-weight:500;color:var(--ink)}
.hero-strip b{display:block;color:var(--gold-deep);font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;margin-bottom:5px}

/* ---------- sections ---------- */
.band{padding:74px 0}
.band.tint{background:var(--card);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.band.navy{background:var(--sky-pale);color:var(--ink)}
.band h2{font-size:clamp(32px,4.2vw,44px);margin-bottom:12px;color:var(--ink-strong)}
.band.navy h2{color:var(--ink-strong)}
.band p.sub{color:var(--ink);font-size:18px;max-width:60ch;margin-bottom:36px}
.band.navy p.sub{color:var(--ink-soft)}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--rule);border-radius:12px;padding:28px 24px;transition:.15s}
.band.tint .card{background:var(--paper)}
.card:hover{border-color:var(--gold);transform:translateY(-2px)}
.card h3{font-size:24px;margin-bottom:9px;color:var(--ink-strong)}
.card p{font-size:15.5px;color:var(--ink-soft);margin:0}
.card .mark{display:inline-block;width:32px;height:3px;background:var(--gold);border-radius:2px;margin-bottom:16px}

.pill-list{display:flex;flex-wrap:wrap;gap:9px;margin-top:6px}
.pill{background:var(--card);border:1px solid var(--rule);border-radius:999px;padding:10px 18px;font-size:15.5px;font-weight:500}
.band.tint .pill{background:var(--paper)}
.band.navy .pill{background:var(--card);border-color:var(--rule);color:var(--ink)}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{padding-top:20px;border-top:2px solid var(--gold)}
.step b{display:block;font-family:Inter,sans-serif;font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px}
.step h3{font-size:23px;margin-bottom:8px;color:var(--ink-strong)}
.step p{font-size:15.5px;color:var(--ink-soft);margin:0}

.pay-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.pay{background:var(--card);border:1px solid var(--rule);border-left:3px solid var(--gold);border-radius:8px;padding:18px 20px}
.band.tint .pay{background:var(--paper)}
.pay b{display:block;font-size:17px;margin-bottom:4px;color:var(--ink-strong)}
.pay span{font-size:15px;color:var(--ink-soft)}

/* ---------- referral band ---------- */
.ref-band{background:var(--sky-soft);color:var(--ink);padding:58px 0;border-top:3px solid var(--gold)}
.ref-band h2{color:var(--ink-strong);font-size:clamp(30px,4vw,42px);margin-bottom:12px}
.ref-band p{color:var(--ink);font-weight:500;max-width:58ch;margin:0}

/* ---------- footer ---------- */
.ag-foot{background:var(--sky-pale);color:var(--ink);padding:54px 0 34px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}
.ag-foot h4{font-family:Inter,sans-serif;font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-deep);margin:0 0 12px;font-weight:700}
.ag-foot a{color:var(--ink);text-decoration:none}
.ag-foot a:hover{color:var(--blue-mid);text-decoration:underline}
.foot-logo{width:210px;height:auto;margin-bottom:14px;display:block}
.foot-tag{font-family:"Playfair Display",Georgia,serif;font-style:italic;color:var(--gold-deep);margin-bottom:12px}
.foot-legal{margin-top:36px;padding-top:20px;border-top:1px solid var(--rule);font-size:12.5px;color:var(--ink-soft)}

/* ============================================================
   REFERRAL FORM
   ============================================================ */
.rf{background:var(--paper);padding:56px 0 70px}
.rf-body{max-width:860px;margin:0 auto;padding:0 22px 10px}

.urgency{background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:20px 22px;margin-bottom:22px}
.urgency legend{font-size:11px;letter-spacing:.15em;text-transform:uppercase;font-weight:700;color:var(--ink-soft);padding:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.chip input{position:absolute;opacity:0;width:0;height:0}
.chip span{display:block;padding:9px 15px;border:1px solid var(--rule);border-radius:999px;font-size:14px;cursor:pointer;background:#fff;transition:.12s}
.chip input:checked + span{background:var(--blue-mid);border-color:var(--blue-mid);color:#fff}
.chip input:focus-visible + span{outline:2px solid var(--gold);outline-offset:2px}
.callout{display:none;margin-top:16px;padding:14px 16px;border-radius:8px;background:var(--alert-bg);border-left:3px solid var(--alert);color:var(--alert);font-size:14px}
.callout.show{display:block}
.callout strong{font-size:17px;white-space:nowrap}

.section{background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:26px 24px;margin-bottom:18px}
.section > h3{font-family:"Playfair Display",Georgia,serif;font-weight:700;font-size:26px;margin:0 0 4px;display:flex;align-items:baseline;gap:12px;color:var(--ink-strong)}
.num{font-family:Inter,sans-serif;font-size:11px;font-weight:700;letter-spacing:.1em;color:var(--gold-deep);border:1px solid var(--gold);border-radius:4px;padding:2px 6px;position:relative;top:-3px}
.section > p.hint{margin:0 0 22px;color:var(--ink-soft);font-size:15px}

.grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.grid.thirds{grid-template-columns:1fr 1fr 1fr}
.full{grid-column:1/-1}
label.f{display:block;margin-bottom:16px}
label.f > .lb{display:block;font-size:14px;font-weight:700;color:var(--ink-strong);margin-bottom:6px}
.req{color:var(--alert);font-weight:700}
.rf input[type=text],.rf input[type=tel],.rf input[type=email],.rf input[type=date],.rf select,.rf textarea{
  width:100%;padding:11px 12px;border:1px solid var(--rule);border-radius:7px;
  font:inherit;font-size:15.5px;background:#fff;color:var(--ink)
}
.rf textarea{min-height:84px;resize:vertical}
.rf input:focus,.rf select:focus,.rf textarea:focus{outline:none;border-color:var(--blue-mid);box-shadow:0 0 0 3px rgba(74,110,151,.18)}
.rf input.err,.rf select.err{border-color:var(--alert);background:#FDF7F5}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:8px 18px;margin-bottom:6px}
.checks.three{grid-template-columns:1fr 1fr 1fr}
.cb{display:flex;gap:9px;align-items:flex-start;font-size:15.5px;cursor:pointer;padding:3px 0}
.cb input{margin:3px 0 0;width:17px;height:17px;accent-color:var(--blue-mid);flex:none}
.subblock{display:none}
.subblock.show{display:block}

.consent{border:1px solid var(--blue-mid);border-radius:8px;background:#EEF3FA;padding:18px;margin-bottom:20px}
.actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.rf button{font:inherit;font-family:Inter,sans-serif;font-weight:600;font-size:15px;border-radius:7px;padding:13px 22px;cursor:pointer;border:1px solid transparent;transition:.12s}
.rf button:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.btn-primary{background:var(--blue-mid);color:#fff}
.btn-primary:hover{background:var(--blue-mid-dark)}
.btn-ghost{background:#fff;border-color:var(--rule);color:var(--ink)}
.btn-ghost:hover{border-color:var(--blue-mid);color:var(--blue-mid)}
.status{font-size:14px;color:var(--blue-mid);font-weight:600;min-height:20px;margin-top:12px}
.status.bad{color:var(--alert)}
#summaryBox{display:none;margin-top:20px}
#summaryBox.show{display:block}
#summaryText{width:100%;min-height:300px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:13px;line-height:1.55;white-space:pre;overflow-x:auto}
.notice{font-size:13px;color:var(--ink-soft);border-top:1px solid var(--rule);margin-top:26px;padding-top:16px}

/* ---------- repeating call-to-action strips ---------- */
.cta-strip{
  background:var(--gold-wash);border-top:2px solid var(--gold);border-bottom:2px solid var(--gold);
  padding:34px 0
}
.cta-in{
  max-width:1100px;margin:0 auto;padding:0 22px;
  display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap
}
.cta-in h3{font-size:25px;margin:0 0 4px;color:var(--ink-strong)}
.cta-in p{margin:0;color:var(--ink-soft);font-size:16px}
.cta-btns{display:flex;gap:10px;flex-wrap:wrap}
.btn-navy{background:var(--blue-mid);color:#fff}
.btn-navy:hover{background:var(--blue-mid-dark)}
.btn-outline{background:#fff;border-color:var(--blue-mid);color:var(--blue-mid)}
.btn-outline:hover{background:var(--sky-pale)}

/* ---------- mobile action bar ---------- */
.mobile-bar{display:none}
@media (max-width:640px){
  .mobile-bar{
    display:flex;position:fixed;left:0;right:0;bottom:0;z-index:80;
    background:var(--navy-deep,#001640);border-top:2px solid var(--gold);
    box-shadow:0 -4px 16px rgba(8,15,23,.22)
  }
  .mobile-bar a{
    flex:1;text-align:center;padding:13px 4px;text-decoration:none;color:#fff;
    font-size:13.5px;font-weight:700;letter-spacing:.01em;
    border-right:1px solid rgba(255,255,255,.14)
  }
  .mobile-bar a:last-child{border-right:none}
  .mobile-bar a.hi{background:var(--gold);color:#1A1102}
  body{padding-bottom:56px}
}

/* ---------- responsive ---------- */
@media (max-width:940px){
  .hero-in{grid-template-columns:1fr;gap:34px}
  .hero-logo{order:-1}
  .hero-logo img{max-width:290px}
  .cards,.steps,.foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .hero{padding:44px 0 46px}
  .band{padding:52px 0}
  .ag-brand img{height:42px}
  .cards,.steps,.pay-grid,.foot-grid,.grid,.grid.thirds,.checks,.checks.three{grid-template-columns:1fr}
  .ag-nav a.lnk{display:none}
  .ag-nav a.navcta{display:none}
  .menu-btn{display:inline-flex;margin-left:auto}
  .section{padding:22px 18px}
  .actions button{flex:1 1 100%}
  .hero-actions .btn{flex:1 1 100%;text-align:center}
}
@media print{
  .ag-nav,.hero-actions,.ref-band,.actions,#summaryBox,.notice{display:none}
  .section{break-inside:avoid}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}


/* ================= multi-page additions ================= */
.ag-nav a.lnk.on{color:var(--gold-deep);border-bottom:2px solid var(--gold)}
.ag-brand img{height:52px;width:auto;display:block}

.page-head{background:var(--sky-soft);padding:44px 0 46px;border-bottom:1px solid var(--rule)}
.page-head h1{font-size:clamp(31px,4.4vw,46px);line-height:1.08;color:var(--ink-strong);margin-bottom:0}
.page-head .lede{font-size:18px;color:var(--ink);max-width:62ch;margin-bottom:24px}
.page-head .eyebrow{margin-bottom:10px}
.crumbs{font-size:13.5px;color:var(--ink-soft);margin-bottom:16px}
.crumbs a{color:var(--blue-mid);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumbs span{color:var(--ink-soft);margin:0 2px}

.prose h2{font-size:clamp(24px,3vw,31px);margin:34px 0 12px;color:var(--ink-strong)}
.prose p{font-size:17.5px;color:var(--ink);max-width:66ch}
.prose a{color:var(--blue-mid)}

ul.ticks{list-style:none;padding:0;margin:0 0 8px;display:grid;grid-template-columns:1fr 1fr;gap:9px 22px}
ul.ticks li{position:relative;padding-left:26px;font-size:16.5px;color:var(--ink)}
ul.ticks li::before{
  content:"";position:absolute;left:0;top:9px;width:12px;height:7px;
  border-left:2.5px solid var(--gold);border-bottom:2.5px solid var(--gold);
  transform:rotate(-45deg)
}
ul.ticks.small li{font-size:15.5px}

a.card.linkcard{display:block;text-decoration:none;color:inherit}
a.card.linkcard .more{
  display:inline-block;margin-top:14px;font-size:14px;font-weight:700;color:var(--blue-mid)
}
a.card.linkcard:hover .more{color:var(--blue-mid-dark)}
a.pill{text-decoration:none;color:var(--ink)}
a.pill:hover{border-color:var(--gold);color:var(--blue-mid)}
a.readmore{font-weight:700;color:var(--blue-mid)}
a.bigphone{font-size:27px;font-weight:700;color:var(--blue-mid);text-decoration:none}

.faq{border-bottom:1px solid var(--rule);padding:22px 0}
.faq:last-child{border-bottom:none}
.faq h3{font-size:22px;margin-bottom:8px;color:var(--ink-strong)}
.faq p{font-size:17px;color:var(--ink);margin:0;max-width:70ch}

.foot-links{display:flex;flex-direction:column;gap:7px}
.foot-links a{font-size:14.5px}

@media (max-width:760px){
  ul.ticks{grid-template-columns:1fr}
}
@media (max-width:640px){
  .page-head{padding:32px 0 34px}
}