:root{--navy:#142C4C;--navy-2:#1a365d;--navy-3:#0d1d33;--gold:#DCB05B;--gold-2:#efd39a;--cream:#EAD7A0;--offwhite:#FBFBF7;--ink:#26323f;--muted:#5b6673;--line:#e8e6df}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Montserrat',Arial,sans-serif;background:var(--offwhite);color:var(--ink);-webkit-font-smoothing:antialiased;line-height:1.65}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.cinzel,h1,h2,h3{font-family:'Cinzel',Georgia,serif;font-weight:400;line-height:1.15;margin:0}
.script{font-family:'Great Vibes',cursive}
.eyebrow{display:inline-block;color:var(--gold);font-weight:700;letter-spacing:.2em;text-transform:uppercase;font-size:.72rem}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:999;background:#fff;padding:8px 12px}

/* compliance bar */
.notice-bar{background:var(--navy-3);color:#fff;font-size:.74rem;letter-spacing:.04em}
.notice-bar .wrap{display:flex;flex-wrap:wrap;gap:6px 18px;justify-content:center;padding-top:7px;padding-bottom:7px}
.notice-bar a{color:var(--cream);text-decoration:underline;text-underline-offset:2px}

/* nav */
.nav{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 6px 24px rgba(0,0,0,.18)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px}
.brand{text-decoration:none;display:flex;flex-direction:column}
.brand .script{color:var(--cream);font-size:2rem;line-height:1}
.brand .sub{font-family:'Cinzel',serif;color:#fff;font-size:.62rem;letter-spacing:.3em;text-transform:uppercase;margin-top:3px}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:30px}
.nav ul a{color:#fff;text-decoration:none;font-size:.74rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;padding:4px 0;border-bottom:1px solid transparent}
.nav ul a:hover,.nav ul a[aria-current=page]{color:var(--gold);border-color:var(--gold)}
.menu-btn{display:none;background:none;border:0;color:var(--cream);cursor:pointer;padding:6px}
@media (max-width:900px){
 .menu-btn{display:block}
 .nav ul{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;gap:0;padding:12px 24px 24px;border-top:1px solid rgba(255,255,255,.1)}
 .nav ul.open{display:flex}
 .nav ul a{display:block;padding:12px 0;font-family:'Cinzel',serif;font-size:1.05rem;letter-spacing:.12em;font-weight:400}
}

/* buttons */
.btn{display:inline-block;text-align:center;text-decoration:none;font-weight:700;border-radius:999px;padding:17px 36px;transition:all .2s;cursor:pointer;border:0;font-family:inherit;font-size:1rem}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 12px 30px rgba(0,0,0,.2)}
.btn-gold:hover{background:var(--gold-2)}
.btn-ghost{border:1px solid rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-navy{background:var(--navy);color:var(--cream)}
.btn-navy:hover{background:var(--navy-3)}

/* hero */
.hero{position:relative;min-height:86vh;display:flex;align-items:center;overflow:hidden;color:#fff}
.hero-bg{position:absolute;inset:0}
.hero-bg img{width:100%;height:100%;object-fit:cover}
.hero-bg:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy) 0%,rgba(20,44,76,.85) 45%,rgba(20,44,76,.35) 100%)}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:72px;padding-bottom:72px}
.pill{display:inline-block;padding:6px 16px;border-radius:999px;border:1px solid rgba(234,215,160,.3);background:rgba(234,215,160,.1);color:var(--cream);font-size:.7rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;margin-bottom:28px}
.hero h1{font-size:clamp(2.4rem,5.4vw,4.4rem);margin-bottom:26px}
.hero h1 span{color:var(--gold)}
.hero p.lead{color:rgba(255,255,255,.85);font-size:1.12rem;max-width:560px;margin:0 0 36px}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.glass{background:rgba(255,255,255,.1);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.2);padding:44px;border-radius:44px}
.glass h2{color:var(--cream);font-size:1.6rem;margin-bottom:24px}
.checks{list-style:none;padding:0;margin:0 0 30px;display:grid;gap:16px}
.checks li{display:flex;gap:12px;align-items:flex-start;font-size:.95rem;color:rgba(255,255,255,.92)}
.checks svg{flex:none;color:var(--gold);margin-top:3px}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}.hero .glass{display:none}.btn-row .btn{width:100%}}

/* sections */
section.band{padding:96px 0}
.band.navy{background:var(--navy);color:#fff}
.band.white{background:#fff}
.head{max-width:760px;margin-bottom:52px}
.head.center{text-align:center;margin-left:auto;margin-right:auto}
.head h2{font-size:clamp(2rem,4vw,3.2rem);color:var(--navy);margin:16px 0 18px}
.navy .head h2{color:#fff}
.head p{color:var(--muted);font-size:1.08rem;margin:0}
.navy .head p{color:rgba(255,255,255,.7)}
.page-top{padding:110px 0 40px}
.page-top h1{font-size:clamp(2.2rem,4.6vw,3.8rem);color:var(--navy);margin:18px 0 22px}
.page-top p{font-size:1.15rem;color:var(--muted);max-width:760px;margin:0}

.grid{display:grid;gap:28px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr}}
@media (max-width:700px){.g2,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:36px;padding:44px;box-shadow:0 18px 40px rgba(20,44,76,.08)}
.card h3{color:var(--navy);font-size:1.4rem;margin-bottom:16px}
.card p{color:var(--muted);margin:0 0 12px}
.card.gold-top{border-top:8px solid var(--gold);text-align:center}
.card a.more{color:var(--navy);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.step{background:var(--navy-2);border:1px solid rgba(255,255,255,.06);border-radius:26px;padding:36px;transition:transform .25s}
.step:hover{transform:translateY(-6px)}
.step .n{width:48px;height:48px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;font-weight:700;margin-bottom:26px}
.step h3{color:var(--cream);font-size:1.25rem;margin-bottom:12px}
.step p{color:rgba(255,255,255,.7);font-size:.93rem;margin:0}

.prose{font-size:1.06rem}
.prose h2{font-size:1.9rem;color:var(--navy);margin:48px 0 16px}
.prose h3{font-size:1.3rem;color:var(--navy);margin:32px 0 10px}
.prose p,.prose li{color:#3b4652}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin-bottom:8px}
.prose a{color:var(--navy);font-weight:600}
.callout{background:#fff;border-left:6px solid var(--gold);border-radius:18px;padding:24px 28px;margin:28px 0;box-shadow:0 10px 26px rgba(20,44,76,.07)}
.callout strong{color:var(--navy)}

.cta{background:linear-gradient(135deg,var(--navy),var(--navy-3));border-radius:48px;padding:64px 32px;text-align:center;color:#fff}
.cta h2{font-size:clamp(1.8rem,3.4vw,2.6rem);margin-bottom:28px}

.bio{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.bio .badge{background:var(--navy);color:#fff;border-radius:36px;padding:40px}
.bio .badge .script{color:var(--cream);font-size:2.6rem;line-height:1}
.bio .badge ul{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:14px}
.bio .badge li{border-top:1px solid rgba(255,255,255,.12);padding-top:14px;font-size:.93rem;color:rgba(255,255,255,.88)}
@media (max-width:900px){.bio{grid-template-columns:1fr}}

/* intake */
.intake{background:#fff;border-radius:44px;box-shadow:0 24px 60px rgba(20,44,76,.12);border:1px solid var(--line);overflow:hidden}
.tabs{display:flex;overflow-x:auto;background:#f5f5f2;border-bottom:1px solid var(--line);scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tabs button{flex:1;min-width:170px;padding:22px 14px;border:0;background:none;font:700 .72rem 'Montserrat',sans-serif;letter-spacing:.16em;text-transform:uppercase;color:#8a929b;cursor:pointer;position:relative}
.tabs button[aria-selected=true]{background:#fff;color:var(--navy)}
.tabs button[aria-selected=true]:after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:var(--gold)}
.form-body{padding:56px}
@media (max-width:700px){.form-body{padding:28px}}
.form-body h2{font-size:1.6rem;color:var(--navy);margin-bottom:6px}
.form-body .hint{color:var(--muted);font-size:.92rem;margin:0 0 30px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:22px 28px}
.fields .full{grid-column:1/-1}
@media (max-width:700px){.fields{grid-template-columns:1fr}}
label{display:block;font-size:.66rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(20,44,76,.7);margin:0 0 8px 8px}
input,select,textarea{width:100%;background:#f7f7f4;border:1px solid #ebebe6;padding:15px 16px;border-radius:16px;font:inherit;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px}
.only{display:none}.only.show{display:block}
.fields .only.show.pair{display:contents}
.submit{width:100%;margin-top:30px;padding:19px;border:0;border-radius:16px;background:var(--navy);color:var(--cream);font:700 .85rem 'Montserrat',sans-serif;letter-spacing:.16em;text-transform:uppercase;cursor:pointer}
.submit[disabled]{opacity:.5;cursor:not-allowed}
.form-msg{text-align:center;margin-top:16px;font-weight:600}
.form-msg.err{color:#c0392b}
.success{text-align:center;padding:40px 0}
.success h2{margin:18px 0 12px}
.fine{font-size:.8rem;color:var(--muted);margin-top:18px;text-align:center}

/* footer */
footer{background:var(--navy-3);color:rgba(251,251,247,.72);padding:56px 0 40px;border-top:1px solid rgba(220,176,91,.2);text-align:center;font-size:.9rem}
footer .script{color:var(--cream);font-size:2.4rem;line-height:1}
footer .sub{font-family:'Cinzel',serif;color:#fff;font-size:.6rem;letter-spacing:.3em;text-transform:uppercase}
footer p{margin:8px 0}
footer a{color:rgba(251,251,247,.9)}
footer .links{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 18px;margin:18px 0}
footer .eho{display:inline-flex;align-items:center;gap:8px;margin-top:10px;font-size:.78rem;letter-spacing:.06em}
footer .copy{font-size:.68rem;opacity:.5;text-transform:uppercase;margin-top:18px}
footer button.linklike{background:none;border:0;color:rgba(251,251,247,.9);text-decoration:underline;font:inherit;cursor:pointer;padding:0}

.mobile-cta{display:none}
@media (max-width:900px){
 .mobile-cta{display:block;position:fixed;left:0;right:0;bottom:0;padding:12px 16px;background:linear-gradient(to top,var(--offwhite) 70%,rgba(251,251,247,0));z-index:40}
 .mobile-cta a{display:block;padding:15px;border-radius:16px;background:var(--navy);color:var(--gold);text-align:center;font-weight:700;letter-spacing:.16em;text-transform:uppercase;text-decoration:none;border:1px solid rgba(220,176,91,.25)}
 footer{padding-bottom:110px}
}
#sr-analytics-choice{position:fixed;bottom:0;left:0;right:0;z-index:1000;background:#fff;color:var(--navy);padding:16px;border-top:2px solid var(--gold);font:14px Arial,sans-serif}
#sr-analytics-choice p{margin:0 0 6px}
#sr-analytics-choice button{margin:6px 8px 0 0;padding:10px 14px;border:1px solid var(--navy);background:#fff;cursor:pointer}
.menu-btn{order:3}
body.no-cta .mobile-cta{display:none}
.prose a.btn-navy{color:var(--cream);text-decoration:none}
@media (min-width:901px) and (max-width:1180px){.nav ul{gap:16px}.nav ul a{letter-spacing:.1em;font-size:.68rem}}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media (max-width:980px){.article-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.article-grid{grid-template-columns:1fr}}
.acard{background:#fff;border:1px solid var(--line);border-radius:28px;overflow:hidden;text-decoration:none;color:inherit;box-shadow:0 14px 34px rgba(20,44,76,.07);display:flex;flex-direction:column;transition:transform .2s}
.acard:hover{transform:translateY(-4px)}
.acard img{width:100%;aspect-ratio:1/1;object-fit:cover}
.acard .ab{padding:22px 24px 26px}
.acard h3{font-size:1.15rem;color:var(--navy);margin:8px 0 8px}
.acard p{color:var(--muted);font-size:.92rem;margin:0}
.art-hero{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:center}
.art-hero img{border-radius:24px;box-shadow:0 18px 40px rgba(20,44,76,.12)}
@media (max-width:860px){.art-hero{grid-template-columns:1fr}.art-hero img{max-width:340px}}
.step-box{background:var(--navy);color:#fff;border-radius:22px;padding:26px 30px;margin:30px 0}
.step-box strong{color:var(--gold);display:block;letter-spacing:.14em;text-transform:uppercase;font-size:.78rem;margin-bottom:8px}
.step-box p{color:rgba(255,255,255,.92)!important;margin:0}
.form-card{background:#fff;border-radius:36px;border:1px solid var(--line);box-shadow:0 24px 60px rgba(20,44,76,.12);padding:44px}
@media (max-width:700px){.form-card{padding:26px}}
.hood{scroll-margin-top:90px}
.hood-nav{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 30px}
.hood-nav a{padding:9px 16px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--navy);text-decoration:none;font-weight:600;font-size:.88rem}
.hood-nav a:hover{border-color:var(--gold)}
.band-gold{background:linear-gradient(135deg,#f6e3b0,#e9c46a);}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr}}

/* ===== Phone optimization (Oct 18) ===== */
@media (max-width:700px){
 .wrap{padding:0 18px}
 section.band{padding:56px 0}
 .page-top{padding:48px 0 24px}
 .page-top p{font-size:1.02rem}
 .head{margin-bottom:30px}
 .head h2{font-size:1.85rem;margin:10px 0 12px}
 .head p{font-size:1rem}
 .hero{min-height:auto}
 .hero .wrap{padding-top:44px;padding-bottom:48px;gap:0}
 .hero h1{font-size:2.15rem;margin-bottom:18px}
 .hero p.lead{font-size:1rem;margin-bottom:26px}
 .pill{margin-bottom:18px;font-size:.62rem}
 .btn{padding:15px 24px;font-size:.98rem}
 .btn-row{gap:10px}
 .card{padding:26px;border-radius:24px}
 .card h3{font-size:1.2rem;margin-bottom:10px}
 .grid{gap:16px}
 .step{padding:22px;border-radius:20px}
 .step .n{width:38px;height:38px;margin-bottom:14px;font-size:.9rem}
 .step h3{font-size:1.08rem;margin-bottom:6px}
 .step p{font-size:.88rem}
 .g4{grid-template-columns:1fr 1fr}
 .bio{gap:24px}.bio .badge{padding:26px;border-radius:24px}.bio .badge .script{font-size:2.1rem}
 .cta{border-radius:28px;padding:40px 22px}.cta h2{font-size:1.6rem;margin-bottom:20px}
 .prose{font-size:1rem}.prose h2{font-size:1.5rem;margin:34px 0 12px}.prose h3{font-size:1.15rem}
 .callout{padding:18px 20px;border-radius:14px}
 .step-box{padding:20px 22px;border-radius:16px}
 .split{gap:22px}
 .form-card{border-radius:24px}
 .form-body h2{font-size:1.35rem}
 /* Learn cards become compact rows */
 .article-grid{gap:12px}
 .acard{flex-direction:row;align-items:center;border-radius:18px}
 .acard:hover{transform:none}
 .acard img{width:96px;min-width:96px;height:96px;aspect-ratio:auto}
 .acard .ab{padding:12px 14px}
 .acard h3{font-size:1rem;margin:4px 0 2px;line-height:1.25}
 .acard p{font-size:.82rem}
 .acard .eyebrow{font-size:.6rem}
 /* article header image smaller */
 .art-hero{gap:18px}.art-hero img{max-width:200px;border-radius:16px}
 /* intake tabs wrap instead of hidden side-scroll */
 .tabs{flex-wrap:wrap;overflow:visible}
 .tabs button{flex:1 1 50%;min-width:0;padding:15px 8px;font-size:.62rem;letter-spacing:.1em;border-bottom:1px solid var(--line)}
 /* bigger tap targets */
 .hood-nav a{padding:12px 16px}
 footer .links{gap:4px 6px}
 footer .links a,footer button.linklike{display:inline-block;padding:9px 8px}
 .notice-bar{font-size:.68rem}.notice-bar .wrap{gap:2px 12px;padding-top:6px;padding-bottom:6px}
 .notice-bar a{display:inline-block;padding:4px 0}
 #sr-analytics-choice{padding:12px 14px;font-size:13px}
 #sr-analytics-choice button{padding:11px 14px}
 .mobile-only{display:block!important}
}
.mobile-only{display:none}