:root{
  --navy:#12305a; --navy2:#1c4079; --gold:#b7791f; --gold2:#d4922b;
  --ink:#1a2230; --muted:#55617a; --line:#dbe2ee; --bg:#f5f8fc; --card:#fff;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Helvetica Neue",Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2}
a{color:var(--navy2);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.narrow{max-width:820px}
.btn{display:inline-block;padding:13px 22px;border-radius:8px;font-weight:700;font-size:15px;cursor:pointer;border:none;transition:.15s;font-family:inherit}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold2)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.6)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2)}
.btn[disabled]{opacity:.6;cursor:default}
.eyebrow{color:var(--gold);font-family:"Helvetica Neue",Arial,sans-serif;font-weight:700;letter-spacing:2px;text-transform:uppercase;font-size:12px}

/* NAV */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(140%) blur(6px)}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{font-family:Georgia,serif;font-weight:700;font-size:22px;color:var(--navy);letter-spacing:-.3px}
.logo b{color:var(--gold)}
.nav ul{display:flex;gap:24px;list-style:none;align-items:center}
.nav ul a{color:var(--ink);font-size:14.5px;font-weight:600}
.nav ul a:hover{color:var(--gold)}
.nav .cta{background:var(--gold);color:#fff;padding:9px 16px;border-radius:7px}
.nav .cta:hover{background:var(--gold2)}
@media(max-width:900px){.nav ul li:not(.keep){display:none}}

/* HERO */
.hero{background:linear-gradient(160deg,#0f2a4f 0%,#193b6e 60%,#20477f 100%);color:#fff;padding:76px 0 84px}
.hero .eyebrow{color:var(--gold2)}
.hero h1{color:#fff;font-size:46px;margin:14px 0 16px;max-width:16ch}
.hero p.lead{font-size:19px;color:#d7e2f2;max-width:56ch;margin-bottom:28px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero .fine{margin-top:18px;font-size:13px;color:#a9bbd6}
@media(max-width:640px){.hero h1{font-size:34px}}

/* SUBPAGE HERO */
.subhero{background:linear-gradient(160deg,#0f2a4f,#20477f);color:#fff;padding:52px 0 46px}
.subhero .eyebrow{color:var(--gold2)}
.subhero h1{color:#fff;font-size:38px;margin:12px 0 12px;max-width:22ch}
.subhero p{color:#d7e2f2;font-size:18px;max-width:60ch}
.crumb{font-size:13px;color:#a9bbd6;margin-bottom:4px}
.crumb a{color:#cdd9ec}
@media(max-width:640px){.subhero h1{font-size:29px}}

/* TRUST */
.trust{background:var(--navy);color:#cdd9ec;padding:14px 0;font-size:13.5px}
.trust .wrap{display:flex;gap:30px;justify-content:center;flex-wrap:wrap;text-align:center}
.trust b{color:#fff}

section.pad{padding:64px 0}
.center{text-align:center}
.sec-head{max-width:66ch;margin:0 auto 40px}
.sec-head h2{font-size:32px;margin:8px 0 12px}
.sec-head p{color:var(--muted);font-size:17px}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.steps.three{grid-template-columns:repeat(3,1fr)}
.step{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:10px;padding:22px}
.step .n{font-family:Georgia,serif;font-size:30px;color:var(--gold);font-weight:700}
.step h3{font-size:18px;margin:6px 0 8px}
.step p{font-size:14px;color:var(--muted)}
@media(max-width:860px){.steps,.steps.three{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.steps,.steps.three{grid-template-columns:1fr}}

/* COMPARE */
.compare{background:var(--bg)}
.ctable{display:grid;grid-template-columns:1.3fr 1fr 1fr;background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.ctable>div{padding:16px 18px;border-bottom:1px solid var(--line);font-size:14.5px}
.ctable .h{background:var(--navy);color:#fff;font-weight:700;font-family:"Helvetica Neue",Arial,sans-serif;border-bottom:none;font-size:14px}
.ctable .h.us{background:var(--gold)}
.ctable .rowlbl{font-weight:700;color:var(--navy)}
.ctable .us{background:#fdf7ec}
.ctable .x{color:#b23b3b;font-weight:700}
.ctable .ck{color:#1f7a4d;font-weight:700}
@media(max-width:640px){.ctable{grid-template-columns:1fr;font-size:13px}.ctable .rowlbl{background:#eef3fa}}

/* TAGS */
.tags{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.tag{background:#fff;border:1px solid var(--line);border-radius:30px;padding:10px 18px;font-size:14.5px;font-weight:600;color:var(--navy)}
.tag span{color:var(--gold)}

/* SHOWCASE */
.showcase{background:var(--navy);color:#fff}
.showcase h2{color:#fff}
.gal{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
.shot{background:linear-gradient(135deg,#25457a,#2f5798);border:1px solid #3a5c93;border-radius:10px;height:180px;display:flex;align-items:center;justify-content:center;color:#a9bbd6;font-size:13px;text-align:center;padding:14px}
.showcase .note{color:#a9bbd6;font-size:13px;margin-top:16px;text-align:center}
@media(max-width:760px){.gal{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.gal{grid-template-columns:1fr}}

/* FORMS */
.lead-sec{background:var(--bg)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start}
@media(max-width:820px){.grid2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:26px}
.card h3{font-size:22px;margin-bottom:6px}
.card p.k{color:var(--muted);font-size:14.5px;margin-bottom:16px}
form label{display:block;font-size:13px;font-weight:700;color:var(--navy);margin:12px 0 5px}
form input,form select,form textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:7px;font-size:15px;font-family:inherit;color:var(--ink)}
form input:focus,form select:focus,form textarea:focus{outline:none;border-color:var(--gold)}
.msg{display:none;background:#eafaf1;border:1px solid #bfe6cf;color:#1f7a4d;padding:12px 14px;border-radius:8px;margin-top:14px;font-size:14px}
.invest-wall{background:linear-gradient(160deg,#173a6b,#1f4680);color:#fff;border:none}
.invest-wall h3{color:#fff}
.invest-wall p.k{color:#c7d5ea}
.invest-wall label{color:#dbe6f5}
.invest-wall input,.invest-wall select{background:#fff}
.lock{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);color:#fff;font-size:12px;font-weight:700;padding:5px 12px;border-radius:20px;margin-bottom:12px}

/* CREDIBILITY */
.cred{display:grid;grid-template-columns:1fr 1.4fr;gap:30px;align-items:center}
.cred .photo{background:linear-gradient(135deg,#e7eef8,#d4e0f1);border:1px solid var(--line);border-radius:12px;height:230px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:13px}
.cred h2{font-size:30px;margin-bottom:12px}
.cred p{color:var(--muted);margin-bottom:12px;font-size:15.5px}
.cred .verifs{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.verif{background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:13px;font-weight:600;color:var(--navy)}
.verif span{color:var(--gold)}
@media(max-width:760px){.cred{grid-template-columns:1fr}}

/* FAQ */
.faq-sec{background:var(--bg)}
.faq{max-width:820px;margin:0 auto}
.qa{background:#fff;border:1px solid var(--line);border-radius:9px;margin-bottom:12px;overflow:hidden}
.qa button{width:100%;text-align:left;background:none;border:none;padding:17px 20px;font-size:16px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:14px;font-family:inherit}
.qa .a{padding:0 20px;max-height:0;overflow:hidden;transition:.25s;color:var(--muted);font-size:15px}
.qa.open .a{max-height:400px;padding:0 20px 18px}
.qa .ic{color:var(--gold);font-size:22px;line-height:1}

/* BLOG */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.post{background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden;display:block}
.post .thumb{height:130px;background:linear-gradient(135deg,#eef3fa,#dbe6f5)}
.post .body{padding:16px 18px}
.post .cat{font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--gold)}
.post h3{font-size:17px;margin:6px 0 8px}
.post p{font-size:13.5px;color:var(--muted)}
@media(max-width:760px){.posts{grid-template-columns:1fr}}

/* ARTICLE */
.article{max-width:760px;margin:0 auto;padding:52px 22px 20px}
.article .meta{color:var(--muted);font-size:13.5px;margin-bottom:18px}
.article .cat{color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:1px;font-size:12px}
.article h1{font-size:34px;margin:8px 0 14px}
.article h2{font-size:23px;margin:30px 0 10px}
.article p{font-size:16.5px;color:#2b3546;margin-bottom:16px}
.article ul{margin:0 0 16px 20px}
.article li{font-size:16.5px;color:#2b3546;margin-bottom:8px}
.callout{background:#fdf7ec;border-left:4px solid var(--gold);padding:14px 18px;border-radius:6px;margin:22px 0;font-size:15.5px;color:#4a4326}
.callout b{color:var(--navy)}
.backlink{display:inline-block;margin:0 0 8px;color:var(--muted);font-size:14px}

/* CTA band */
.band{background:var(--gold);color:#3a2606;text-align:center;padding:52px 0}
.band h2{color:#3a2606;font-size:30px;margin-bottom:10px}
.band p{font-size:17px;margin-bottom:22px;color:#5a4210}

/* FOOTER */
footer{background:#0e2547;color:#b9c7de;padding:46px 0 26px;font-size:13.5px}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px;margin-bottom:26px}
footer .logo{color:#fff}
footer .logo b{color:var(--gold2)}
footer h4{color:#fff;font-family:"Helvetica Neue",Arial,sans-serif;font-size:13px;letter-spacing:1px;text-transform:uppercase;margin-bottom:12px}
footer a{color:#b9c7de;display:block;margin-bottom:8px}
footer a:hover{color:#fff}
.legal{border-top:1px solid #24406b;padding-top:18px;font-size:11.5px;color:#8fa1bf;line-height:1.7}
.legal .eh{display:inline-block;border:1.5px solid #8fa1bf;border-radius:4px;padding:1px 6px;font-weight:700;margin-right:8px}
@media(max-width:760px){footer .cols{grid-template-columns:1fr}}

/* BRAND MARK + HEADSHOT + IDX (added) */
.logo{display:inline-flex;align-items:center;gap:9px}
.logo .mark{height:30px;width:30px;display:block}
footer .logo .mark{height:26px;width:26px}
.headshot-img{width:100%;border-radius:12px;display:block;border:1px solid var(--line)}
.photo.has-img{padding:0;overflow:hidden}
.photo.has-img img{width:100%;height:100%;object-fit:cover;object-position:center 20%}

/* IDX search */
.idxbar{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px;box-shadow:0 6px 22px rgba(18,48,90,.06)}
.idxbar .row{display:grid;grid-template-columns:2fr 1fr 1fr 1fr auto;gap:12px;align-items:end}
.idxbar label{display:block;font-size:12px;font-weight:700;color:var(--navy);margin:0 0 5px}
.idxbar input,.idxbar select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:7px;font-size:14.5px;font-family:inherit}
@media(max-width:820px){.idxbar .row{grid-template-columns:1fr 1fr}}
.idxgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
.listing{background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.listing .ph{height:170px;background:linear-gradient(135deg,#e9eff8,#d6e1f2);display:flex;align-items:center;justify-content:center;color:#8aa;font-size:13px}
.listing .b{padding:14px 16px}
.listing .price{font-family:Georgia,serif;font-size:20px;color:var(--navy);font-weight:700}
.listing .addr{color:var(--muted);font-size:14px;margin:4px 0 8px}
.listing .specs{font-size:13px;color:var(--navy);font-weight:600}
.idxnote{background:#fdf7ec;border:1px dashed var(--gold);border-radius:10px;padding:16px 18px;margin-top:26px;font-size:14px;color:#5a4210}
@media(max-width:760px){.idxgrid{grid-template-columns:1fr}}