:root {
  --navy:#0d2038;
  --navy-2:#142f50;
  --gold:#d8a640;
  --gold-light:#f2dfb7;
  --cream:#f7f4ed;
  --white:#fff;
  --ink:#17243a;
  --muted:#617083;
  --line:#dfe4e9;
  --shadow:0 22px 70px rgba(18,36,56,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"DM Sans",sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}
.container{width:min(1180px,calc(100% - 40px));margin:0 auto}
.section{padding:92px 0}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.95);backdrop-filter:blur(14px);border-bottom:1px solid rgba(13,32,56,.07)}
.nav-wrap{height:82px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:12px;font-size:1.2rem;color:var(--navy)}
.brand-mark{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--navy);color:var(--gold);font-weight:800;letter-spacing:-1px}
.brand-text{font-size:1.17rem}
.main-nav{display:flex;align-items:center;gap:28px;font-size:.95rem;font-weight:600}
.main-nav a:hover{color:#9a6f1e}
.menu-toggle{display:none;background:transparent;border:0;font-size:1.5rem;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:var(--navy);font-weight:800;padding:15px 23px;border-radius:999px;border:1px solid var(--gold);transition:.2s ease;cursor:pointer}
.btn:hover{transform:translateY(-2px);background:#e5b553}
.btn-small{padding:11px 18px}
.btn-ghost{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.7);color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.hero{position:relative;min-height:760px;display:flex;align-items:center;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:url('https://images.unsplash.com/photo-1524813686514-a57563d77965?auto=format&fit=crop&fm=jpg&q=82&w=2200') center/cover no-repeat;transform:scale(1.015)}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,24,43,.94) 0%,rgba(7,24,43,.82) 42%,rgba(7,24,43,.22) 78%,rgba(7,24,43,.12) 100%)}
.hero-content{position:relative;z-index:1;color:#fff;padding:90px 0}
.hero h1,.section h2{font-family:"Playfair Display",serif;letter-spacing:-.03em}
.hero h1{font-size:clamp(3rem,6vw,5.5rem);line-height:1.03;max-width:850px;margin:20px 0 24px}
.hero p{font-size:1.17rem;max-width:680px;color:rgba(255,255,255,.86)}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.76rem;font-weight:800;color:#98701f}
.eyebrow.light{color:var(--gold-light)}
.hero-actions{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap}
.hero-trust{display:flex;gap:28px;flex-wrap:wrap;margin-top:44px;color:rgba(255,255,255,.78);font-size:.92rem}
.split{display:grid;grid-template-columns:.92fr 1.08fr;gap:70px;align-items:start}
.section h2{font-size:clamp(2.25rem,4vw,3.8rem);line-height:1.12;margin:13px 0 20px;color:var(--navy)}
.lead-copy{font-size:1.1rem;color:var(--muted)}
.services-section{background:var(--cream)}
.section-heading{max-width:760px;margin-bottom:48px}.centered{text-align:center;margin-left:auto;margin-right:auto}.section-heading p{color:var(--muted);font-size:1.05rem}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.service-card{background:#fff;border:1px solid rgba(13,32,56,.08);border-radius:28px;padding:34px;box-shadow:0 12px 35px rgba(20,35,55,.04)}
.service-card.featured{background:var(--navy);color:#fff;transform:translateY(-10px)}
.service-card h3{font-family:"Playfair Display",serif;font-size:1.65rem;margin:18px 0 10px}.service-card p{color:var(--muted)}.service-card.featured p{color:rgba(255,255,255,.72)}
.icon{width:52px;height:52px;display:grid;place-items:center;border-radius:16px;background:#f5ead1;color:#8d651a;font-size:1.35rem;font-weight:800}.featured .icon{background:rgba(216,166,64,.16);color:var(--gold)}
.service-card ul{list-style:none;padding:0;margin:22px 0 0}.service-card li{padding:9px 0 9px 25px;border-top:1px solid rgba(13,32,56,.08);position:relative;font-size:.94rem}.service-card.featured li{border-color:rgba(255,255,255,.12)}.service-card li:before{content:"✓";position:absolute;left:0;color:#b28125;font-weight:800}
.story-grid{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}.story-image{min-height:585px;border-radius:34px;box-shadow:var(--shadow);background-size:cover;background-position:center}.accounting-image{background-image:url('https://images.unsplash.com/photo-1707902665498-a202981fb5ac?auto=format&fit=crop&fm=jpg&q=80&w=1400')}
.story-copy p{font-size:1.06rem;color:var(--muted)}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:30px}.check-grid div{padding:20px;border-radius:18px;background:#f7f8f9}.check-grid b{display:block;color:var(--navy);margin-bottom:5px}.check-grid span{font-size:.9rem;color:var(--muted)}
.navy-panel{background:var(--navy);padding:56px 0}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);color:#fff;text-align:center}.stats-grid div{padding:12px 25px;border-right:1px solid rgba(255,255,255,.14)}.stats-grid div:last-child{border-right:0}.stats-grid strong{display:block;color:var(--gold);font-family:"Playfair Display",serif;font-size:2.6rem}.stats-grid span{font-size:.9rem;color:rgba(255,255,255,.7)}
.process-section{background:#fff}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.step{position:relative;padding:30px 26px;border-top:3px solid var(--gold);background:#f7f8fa;border-radius:0 0 22px 22px}.step span{font-size:.8rem;font-weight:800;color:#9f7420}.step h3{font-size:1.25rem;color:var(--navy)}.step p{color:var(--muted);font-size:.94rem}
.community-section{background:var(--cream)}.community-card{display:grid;grid-template-columns:1fr 1fr;background:var(--navy);border-radius:34px;overflow:hidden;min-height:520px;box-shadow:var(--shadow)}.community-copy{padding:70px;color:#fff}.community-copy h2{color:#fff}.community-copy p{color:rgba(255,255,255,.74);font-size:1.08rem}.community-image{background:url('https://images.unsplash.com/photo-1750762367188-2f884520d63d?auto=format&fit=crop&fm=jpg&q=80&w=1400') center/cover no-repeat}.text-link{display:inline-block;margin-top:18px;font-weight:800}.text-link.light{color:var(--gold-light)}
.contact-section{background:#fff}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;align-items:start}.contact-grid>div>p{color:var(--muted);font-size:1.06rem}.contact-notes{margin-top:36px;padding-top:24px;border-top:1px solid var(--line)}.contact-notes a{color:#9b711f}.fine-print{font-size:.78rem!important;color:#8b95a1!important}
.proposal-form{background:var(--cream);padding:34px;border-radius:28px}.proposal-form label{display:block;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:16px}.proposal-form input,.proposal-form select,.proposal-form textarea{width:100%;margin-top:7px;border:1px solid #d4d9df;background:#fff;border-radius:12px;padding:13px 14px;font:inherit;outline:none}.proposal-form input:focus,.proposal-form select:focus,.proposal-form textarea:focus{border-color:#b6872b;box-shadow:0 0 0 3px rgba(216,166,64,.14)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.form-status{font-size:.88rem;color:#49654f;margin-bottom:0}
.site-footer{background:#091a2e;color:#fff;padding:70px 0 28px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:45px}.footer-brand{color:#fff;margin-bottom:18px}.footer-grid p{color:rgba(255,255,255,.58);max-width:390px}.footer-grid h4{margin:0 0 16px}.footer-grid>div>a:not(.brand){display:block;color:rgba(255,255,255,.62);margin:9px 0;font-size:.92rem}.footer-grid>div>a:hover{color:#fff}.footer-bottom{margin-top:50px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;color:rgba(255,255,255,.46);font-size:.82rem}
@media(max-width:900px){.main-nav{position:absolute;top:82px;left:0;right:0;background:#fff;display:none;flex-direction:column;align-items:flex-start;padding:24px 30px;box-shadow:0 18px 30px rgba(0,0,0,.08)}.main-nav.open{display:flex}.menu-toggle{display:block}.hero{min-height:680px}.hero-overlay{background:rgba(7,24,43,.76)}.split,.story-grid,.community-card,.contact-grid{grid-template-columns:1fr}.service-grid{grid-template-columns:1fr}.service-card.featured{transform:none}.story-image{min-height:420px}.stats-grid{grid-template-columns:1fr 1fr}.stats-grid div:nth-child(2){border-right:0}.process-grid{grid-template-columns:1fr 1fr}.community-image{min-height:380px}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:580px){.container{width:min(100% - 26px,1180px)}.section{padding:68px 0}.hero h1{font-size:2.75rem}.hero-trust{display:grid;gap:10px}.split{gap:22px}.check-grid,.form-row,.process-grid,.stats-grid,.footer-grid{grid-template-columns:1fr}.stats-grid div{border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}.stats-grid div:last-child{border-bottom:0}.community-copy{padding:42px 28px}.proposal-form{padding:24px 20px}.footer-bottom{flex-direction:column;gap:8px}}