*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  /* ---- palette: banknote green · parchment · brass · oxblood ---- */
  --green-ink:#16362A; --pine:#23503E; --pine-2:#2C6149;
  --paper:#EFEADD; --paper-2:#E7E0CF; --card:#FCFAF4;
  --brass:#9A7B3C; --brass-lite:#BC9E63;
  --oxblood:#7C2D2A; --oxblood-dark:#5C201E;
  --seal-green:#2E6B4C;
  --ink:#1E2A22; --ink-2:#3D4A40; --ink-3:#586256;
  --ivory:#F1ECDD; --ivory-2:rgba(241,236,221,.74); --ivory-3:rgba(241,236,221,.55);
  --rule:#D6CDB8; --rule-2:#E2DBC9; --rule-green:rgba(241,236,221,.18);
  /* legacy names referenced by inline JS/markup, do not remove */
  --navy:var(--green-ink); --red:var(--oxblood); --red-dark:var(--oxblood-dark); --green:var(--seal-green);
  --display:'Libre Caslon Display',Georgia,'Times New Roman',serif;
  --body:'Libre Franklin',-apple-system,'Segoe UI',Helvetica,Arial,sans-serif;
  --shadow:0 1px 2px rgba(20,40,30,.05),0 22px 48px rgba(20,40,30,.12);
  --shadow-lg:0 30px 80px rgba(12,26,20,.30);
}
html{scroll-behavior:smooth}
html.js .reveal{opacity:0;transform:translateY(20px)}
html.js .reveal.in{opacity:1;transform:none;transition:opacity .6s ease-out,transform .6s ease-out}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
  html.js .reveal,html.js .reveal.in{opacity:1!important;transform:none!important}
}
body{font-family:var(--body);background:var(--paper);color:var(--ink);font-size:18px;line-height:1.7;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%}
a{color:inherit}
strong{font-weight:600}
.num{font-variant-numeric:tabular-nums lining-nums;letter-spacing:0}
:focus-visible{outline:3px solid var(--brass);outline-offset:3px;border-radius:2px}
.on-dark :focus-visible{outline-color:var(--brass-lite)}

/* ---- shared type ---- */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:16px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--brass);margin-bottom:18px}
.eyebrow::before{content:"";width:30px;height:1.5px;background:var(--brass)}
.on-dark .eyebrow{color:var(--brass-lite)}
.on-dark .eyebrow::before{background:var(--brass-lite)}
.title{font-family:var(--display);font-weight:400;font-size:clamp(31px,3.5vw,47px);line-height:1.1;color:var(--green-ink);letter-spacing:-.005em}
.on-dark .title{color:var(--ivory)}
.lede{font-size:20px;color:var(--ink-2);max-width:660px;line-height:1.65;margin-top:20px}
.on-dark .lede{color:var(--ivory-2)}

/* ---- engraving art ---- */
.engrave-bg{position:absolute;inset:0;width:100%;height:100%;pointer-events:none}
.seal{display:block}
.seal-stamp{transform-origin:center}
.seal-stamp.restamp{animation:stamp 900ms ease-out}
@keyframes stamp{0%{opacity:.35;transform:scale(1.05) rotate(-1.2deg)}55%{opacity:1}100%{transform:none}}

/* ---- buttons: engraved brass edge + oxblood/green fills ---- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:52px;padding:0 30px;text-decoration:none;border:none;cursor:pointer;font-family:var(--body);font-weight:600;font-size:17px;letter-spacing:.01em;transition:background .2s,color .2s,box-shadow .2s,transform .12s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--oxblood);color:var(--ivory);box-shadow:inset 0 0 0 1px rgba(255,255,255,.12),0 1px 0 var(--brass)}
.btn-primary:hover{background:var(--oxblood-dark)}
.btn-ivory{background:var(--ivory);color:var(--green-ink);box-shadow:inset 0 0 0 1px var(--brass)}
.btn-ivory:hover{background:#fff}
.btn-line{background:transparent;color:var(--green-ink);box-shadow:inset 0 0 0 1.5px var(--green-ink)}
.btn-line:hover{background:var(--green-ink);color:var(--ivory)}
.btn-line-ivory{background:transparent;color:var(--ivory);box-shadow:inset 0 0 0 1.5px rgba(241,236,221,.5)}
.btn-line-ivory:hover{background:rgba(241,236,221,.1);box-shadow:inset 0 0 0 1.5px var(--ivory)}
.btn.lg{min-height:58px;font-size:18px;padding:0 34px}
.assure{display:flex;align-items:center;gap:10px;font-size:16px;color:var(--ink-3);margin-top:16px}
.assure svg{flex-shrink:0;color:var(--brass)}
.on-dark .assure{color:var(--ivory-3)}

/* ---- utility bar ---- */
.util{background:var(--green-ink);color:var(--ivory-2);font-size:15px;padding:9px 1.5rem;text-align:center;letter-spacing:.02em;border-bottom:1px solid var(--brass)}
.util a{color:var(--ivory);text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--brass);text-decoration-thickness:1px}
.util a:hover{text-decoration-color:var(--brass-lite)}
.util .sep{color:var(--brass);margin:0 10px}

/* ---- masthead (solid, no glass) ---- */
nav{position:sticky;top:0;z-index:100;background:var(--paper);border-bottom:1px solid var(--rule);box-shadow:0 1px 0 var(--brass);height:82px;display:flex;align-items:center;padding:0 2rem;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand .monogram{width:46px;height:46px;flex-shrink:0}
.brand-txt{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-family:var(--display);font-size:23px;color:var(--green-ink)}
.brand-sub{font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--brass);font-weight:600;margin-top:2px}
.nav-links{display:flex;gap:1.7rem;list-style:none;align-items:center}
.nav-links a{font-size:16px;color:var(--ink-2);text-decoration:none;font-weight:500;padding:6px 0;position:relative}
.nav-links a:hover{color:var(--green-ink)}
.nav-links a::after{content:"";position:absolute;left:0;right:100%;bottom:-2px;height:1.5px;background:var(--brass);transition:right .22s ease}
.nav-links a:hover::after{right:0}
.nav-right{display:flex;align-items:center;gap:20px}
.nav-phone{display:flex;flex-direction:column;align-items:flex-end;text-decoration:none;line-height:1.15}
.nav-phone strong{font-size:19px;color:var(--green-ink);font-weight:700}
.nav-phone span{font-size:16px;color:var(--brass);font-weight:600}
.nav-cta{display:inline-flex;align-items:center;min-height:48px;background:var(--oxblood);color:var(--ivory);padding:0 22px;font-size:16px;font-weight:600;text-decoration:none;white-space:nowrap;box-shadow:inset 0 0 0 1px rgba(255,255,255,.12)}
.nav-cta:hover{background:var(--oxblood-dark)}
@media (min-width:1041px) and (max-width:1200px){.nav-links{gap:1.25rem}}

/* ---- hero ---- */
.hero{position:relative;background:var(--green-ink);color:var(--ivory);overflow:hidden}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:var(--brass)}
.hero-rule{position:absolute;inset:0;background-image:linear-gradient(var(--rule-green) 1px,transparent 1px);background-size:100% 46px;opacity:.5;pointer-events:none}
.hero-inner{max-width:1200px;margin:0 auto;padding:78px 2rem 0;display:grid;grid-template-columns:1.12fr .88fr;gap:60px;align-items:end;position:relative}
.hero-copy{padding-bottom:78px}
.hero h1{font-family:var(--display);font-weight:400;font-size:clamp(40px,5vw,68px);line-height:1.04;letter-spacing:-.01em;margin-bottom:24px}
.hero h1 em{font-style:italic;color:var(--brass-lite)}
.hero-sub{font-size:21px;color:var(--ivory-2);line-height:1.6;max-width:540px;margin-bottom:34px}
.path-label{font-size:16px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ivory-3);margin-bottom:14px}
.path{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:600px}
.path a{display:block;background:rgba(241,236,221,.04);border:1px solid rgba(241,236,221,.2);padding:20px 22px;text-decoration:none;transition:border-color .2s,background .2s,transform .15s;position:relative}
.path a::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--brass);transform:scaleY(0);transform-origin:top;transition:transform .22s}
.path a:hover{background:rgba(241,236,221,.07);border-color:rgba(241,236,221,.42);transform:translateY(-2px)}
.path a:hover::before{transform:scaleY(1)}
.path a.hot{background:var(--oxblood);border-color:var(--oxblood)}
.path a.hot::before{background:var(--brass-lite)}
.path a.hot:hover{background:var(--oxblood-dark)}
.path strong{display:block;font-size:19px;font-weight:700;color:var(--ivory);margin-bottom:5px}
.path span{font-size:16px;color:var(--ivory-2);line-height:1.45;display:block}
.path .arrow{float:right;font-size:20px;color:var(--brass-lite);font-family:var(--display)}

/* engraved portrait plate */
.hero-portrait{align-self:end}
.plate{position:relative;max-width:388px;margin:0 auto;background:var(--card);padding:14px 14px 0;box-shadow:var(--shadow-lg);outline:1px solid var(--brass);outline-offset:6px}
.plate::before{content:"";position:absolute;inset:6px;border:1px solid rgba(154,123,60,.5);pointer-events:none;z-index:2}
.plate img{width:100%;display:block;object-fit:cover;object-position:center top;max-height:436px;filter:grayscale(.12) contrast(1.02)}
.nameplate{background:var(--green-ink);margin:14px -14px 0;padding:16px 20px;display:flex;justify-content:space-between;align-items:center;gap:12px;border-top:2px solid var(--brass)}
.nameplate strong{display:block;font-family:var(--display);font-size:19px;color:var(--ivory)}
.nameplate span{font-size:14px;color:var(--ivory-2)}
.nameplate .nmls{font-size:13px;font-weight:600;letter-spacing:.06em;color:var(--brass-lite);text-align:right;line-height:1.4}

/* ---- trust strip ---- */
.trust{background:var(--paper-2);border-bottom:1px solid var(--rule);padding:20px 2rem}
.trust-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:14px 0;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:10px;font-size:16px;color:var(--ink-2);font-weight:500;padding:0 26px;position:relative}
.trust-item+.trust-item::before{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);width:1px;height:20px;background:var(--brass);opacity:.5}
.trust-item a{color:var(--green-ink);font-weight:600;text-underline-offset:3px;text-decoration-color:var(--brass)}
.mark{width:22px;height:22px;flex-shrink:0;color:var(--seal-green)}

/* ---- section scaffold ---- */
section{padding:96px 2rem}
.inner{max-width:1200px;margin:0 auto}
.band-line{background:var(--card);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.band-paper{background:var(--paper)}
.band-green{background:var(--green-ink);color:var(--ivory);position:relative;overflow:hidden}
.band-green::before,.band-green::after{content:"";position:absolute;left:0;right:0;height:1px;background:var(--brass)}
.band-green::before{top:0}.band-green::after{bottom:0}

/* ============ THE INSTRUMENT (signature) ============ */
#estimate{background:var(--paper);padding-top:90px}
.instrument{position:relative;background:var(--card);outline:1px solid var(--brass);outline-offset:7px;box-shadow:var(--shadow);overflow:hidden}
.instrument>.engrave-bg{opacity:.06;color:var(--green-ink)}
.inst-head{position:relative;display:flex;justify-content:space-between;align-items:flex-start;gap:20px;padding:30px 38px 24px;border-bottom:1px solid var(--rule)}
.inst-head-txt .k{font-size:16px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--brass)}
.inst-head-txt h3{font-family:var(--display);font-weight:400;font-size:27px;color:var(--green-ink);margin-top:6px}
.inst-head .seal{width:74px;height:74px;flex-shrink:0}
.inst-grid{position:relative;display:grid;grid-template-columns:.92fr 1.08fr}
.inst-left{padding:38px 38px 34px;border-right:1px solid var(--rule)}
.inst-left>p{font-size:16px;color:var(--ink-2);margin-bottom:30px;max-width:42ch}
.field{margin-bottom:30px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;gap:14px;margin-bottom:10px}
.field label{font-size:16px;font-weight:600;letter-spacing:.06em;color:var(--ink)}
.field-in{font-family:var(--display);font-weight:400;font-size:26px;color:var(--green-ink);text-align:right;border:1px solid transparent;border-bottom:1.5px solid var(--brass);background:transparent;padding:2px 6px;border-radius:0;width:190px;transition:border-color .15s,background .15s}
.field-in.age{width:84px}
.field-in:hover{background:rgba(154,123,60,.06)}
.field-in:focus{outline:none;border:1px solid var(--green-ink);border-bottom:1.5px solid var(--green-ink);background:#fff}
.field-in::-webkit-outer-spin-button,.field-in::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.field-in[type=number]{-moz-appearance:textfield;appearance:textfield}
/* engraved sliders w/ large brass thumb (48px hit) */
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:48px;background:transparent;cursor:pointer;margin:0}
input[type=range]::-webkit-slider-runnable-track{height:6px;background:linear-gradient(var(--rule),var(--rule));border:1px solid var(--rule);border-radius:3px}
input[type=range]::-moz-range-track{height:6px;background:var(--rule);border:1px solid var(--rule);border-radius:3px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:30px;height:30px;margin-top:-13px;border-radius:50%;background:radial-gradient(circle at 35% 30%,var(--brass-lite),var(--brass) 70%);border:2px solid var(--card);box-shadow:0 1px 3px rgba(20,40,30,.35),inset 0 0 0 1px rgba(255,255,255,.25)}
input[type=range]::-moz-range-thumb{width:28px;height:28px;border-radius:50%;background:radial-gradient(circle at 35% 30%,var(--brass-lite),var(--brass) 70%);border:2px solid var(--card);box-shadow:0 1px 3px rgba(20,40,30,.35)}
input[type=range]:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 3px var(--green-ink),0 1px 3px rgba(20,40,30,.35)}
input[type=range]:focus-visible::-moz-range-thumb{box-shadow:0 0 0 3px var(--green-ink)}

.inst-right{padding:38px 38px 34px;background:linear-gradient(180deg,#fff 0%,var(--card) 100%);display:flex;flex-direction:column;justify-content:center}
.res-kicker{font-size:16px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-3);margin-bottom:8px}
.est-amount{font-family:var(--display);font-weight:400;font-size:clamp(46px,5.4vw,72px);line-height:1;color:var(--green-ink);letter-spacing:-.01em}
.est-amount .approx{color:var(--brass);font-size:.5em;vertical-align:.35em;margin-right:2px}
.res-note{font-size:16px;color:var(--ink-2);margin:10px 0 24px}
.statement{border-top:2px solid var(--green-ink);margin-bottom:24px}
.st-cap{display:flex;justify-content:space-between;align-items:baseline;padding:12px 2px 6px;gap:12px}
.st-cap .t{font-size:16px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--green-ink)}
.st-cap .n{font-size:15px;color:var(--brass);font-weight:600;font-style:italic;font-family:var(--display)}
.st-row{display:flex;justify-content:space-between;gap:16px;padding:13px 2px;border-top:1px solid var(--rule-2);font-size:17px}
.st-row span{color:var(--ink-2)}
.st-row strong{color:var(--green-ink);font-weight:700}
.st-row.detail{border-top:none;padding-bottom:2px}
.st-costs{padding:2px 2px 12px}
.st-costs .ci{display:flex;justify-content:space-between;gap:16px;padding:6px 0 6px 22px;font-size:16px;color:var(--ink-3);position:relative}
.st-costs .ci::before{content:"";position:absolute;left:6px;top:50%;width:8px;height:1px;background:var(--brass)}
.st-costs .ci .num{color:var(--ink-2)}
.st-row.total{border-top:1px solid var(--green-ink);border-bottom:2px solid var(--green-ink)}
.est-flag{display:none;background:rgba(46,107,76,.09);border:1px solid rgba(46,107,76,.3);border-left:3px solid var(--seal-green);padding:14px 18px;font-size:16px;color:#1d4d36;margin-bottom:22px;line-height:1.55}
.est-flag strong{color:var(--seal-green)}
.est-flag.warn{background:rgba(124,45,42,.07);border-color:rgba(124,45,42,.32);border-left-color:var(--oxblood);color:#6a2723}
.est-flag.warn strong{color:var(--oxblood)}
.est-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.est-fine{font-size:13.5px;color:var(--ink-3);line-height:1.65;margin-top:22px}

/* ---- education ---- */
.what-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:70px;align-items:start}
.prose p{font-size:18px;color:var(--ink-2);line-height:1.8;margin-bottom:18px}
.keypoints{margin-top:34px;border-top:2px solid var(--green-ink)}
.keypoint{display:flex;gap:20px;padding:22px 2px;border-bottom:1px solid var(--rule);align-items:flex-start}
.kp-mark{width:40px;height:40px;flex-shrink:0;color:var(--brass)}
.keypoint h4{font-size:19px;font-weight:700;color:var(--green-ink);margin-bottom:4px}
.keypoint p{font-size:16px;color:var(--ink-2);margin:0;line-height:1.6}
.glance{background:var(--green-ink);color:var(--ivory);padding:40px 38px;position:sticky;top:100px;position:relative;overflow:hidden;outline:1px solid var(--brass);outline-offset:6px}
.glance>.engrave-bg{opacity:.07;color:var(--ivory)}
.glance h3{font-family:var(--display);font-weight:400;font-size:23px;margin-bottom:24px;color:var(--ivory);position:relative}
.glance-row{display:flex;align-items:baseline;justify-content:space-between;gap:18px;padding:18px 0;border-bottom:1px solid var(--rule-green);position:relative}
.glance-row strong{font-family:var(--display);font-weight:400;font-size:36px;color:var(--brass-lite)}
.glance-row span{font-size:15px;color:var(--ivory-2);text-align:right;line-height:1.4;max-width:16ch}
.glance .btn{margin-top:24px;width:100%;position:relative}
.glance .assure{position:relative}

/* ---- numbered ledger (qualify), real sequence ---- */
.ledger{border-top:2px solid var(--green-ink)}
.ledger-row{display:grid;grid-template-columns:92px 300px 1fr;gap:30px;padding:28px 4px;border-bottom:1px solid var(--rule);align-items:start}
.ledger-num{font-family:var(--display);font-weight:400;font-size:38px;color:var(--brass);line-height:1}
.ledger-row .h small{display:block;font-size:15px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--oxblood);margin-bottom:5px}
.ledger-row .h b{font-size:19px;font-weight:700;color:var(--green-ink);line-height:1.35}
.ledger-row p{font-size:17px;color:var(--ink-2);line-height:1.7}

/* ---- process: ruled numbered steps ---- */
.steps{border-top:2px solid var(--green-ink)}
.step{display:grid;grid-template-columns:92px 1fr;gap:30px;padding:26px 4px;border-bottom:1px solid var(--rule);align-items:baseline}
.step-num{font-family:var(--display);font-size:38px;color:var(--brass);line-height:1}
.step h4{font-size:20px;font-weight:700;color:var(--green-ink);margin-bottom:8px}
.step p{font-size:17px;color:var(--ink-2);line-height:1.7;max-width:70ch}

/* ---- disbursement: engraved definition list (NOT icon-blurb cards) ---- */
.disb{border-top:2px solid var(--green-ink)}
.disb-row{display:grid;grid-template-columns:270px 1fr;gap:40px;padding:28px 4px;border-bottom:1px solid var(--rule);align-items:start}
.disb-row .term{display:flex;align-items:center;gap:16px}
.disb-row .term .mark{color:var(--brass);width:26px;height:26px}
.disb-row .term h4{font-family:var(--display);font-weight:400;font-size:24px;color:var(--green-ink)}
.disb-row p{font-size:17px;color:var(--ink-2);line-height:1.75}
.disb-note{font-size:17px;color:var(--ink-2);background:var(--card);border:1px solid var(--rule);border-left:3px solid var(--brass);padding:20px 24px;max-width:820px;margin-top:30px;line-height:1.7}

/* ---- jumbo ---- */
.jumbo-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;margin-bottom:46px}
.jumbo-grid h4{font-size:16px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--brass-lite);margin-bottom:14px}
.jumbo-grid h3{font-family:var(--display);font-weight:400;font-size:26px;margin-bottom:16px;line-height:1.25;color:var(--ivory)}
.jumbo-grid p{font-size:17px;color:var(--ivory-2);line-height:1.75;margin-bottom:14px}
.jumbo-callout{border-left:2px solid var(--brass);padding-left:20px;margin-top:22px}
.jumbo-callout strong{display:block;font-family:var(--display);font-weight:400;font-size:25px;color:var(--brass-lite)}
.jumbo-callout span{font-size:15px;color:var(--ivory-2)}
.jstats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--brass);border:1px solid var(--brass);margin-bottom:26px}
.jstat{background:var(--green-ink);padding:26px 24px}
.jstat small{display:block;font-size:15px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ivory-3);margin-bottom:10px}
.jstat strong{display:block;font-family:var(--display);font-weight:400;font-size:33px;line-height:1.05;margin-bottom:5px;color:var(--brass-lite)}
.jstat span{font-size:15px;color:var(--ivory-2)}
.jumbo-fine{font-size:13.5px;color:var(--ivory-3);line-height:1.65;max-width:820px}

/* ---- safeguards ---- */
.safe-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 64px;border-top:2px solid var(--green-ink)}
.safe{display:flex;gap:18px;padding:26px 2px;border-bottom:1px solid var(--rule);align-items:flex-start}
.safe .mark{color:var(--seal-green);width:26px;height:26px;margin-top:2px;flex-shrink:0}
.safe h4{font-size:18px;font-weight:700;color:var(--green-ink);margin-bottom:5px}
.safe p{font-size:16px;color:var(--ink-2);line-height:1.65}

/* ---- scenarios: file-folder accordions ---- */
.scenario-card{background:var(--card);border:1px solid var(--rule);margin-bottom:14px;overflow:hidden;transition:border-color .2s,box-shadow .2s}
.scenario-card.open{border-color:var(--brass);box-shadow:var(--shadow)}
.scenario-head{display:flex;align-items:center;gap:20px;padding:26px 30px;cursor:pointer;background:transparent;border:none;border-left:3px solid transparent;width:100%;text-align:left;font-family:var(--body);transition:border-color .2s,background .2s}
.scenario-card.open .scenario-head{border-left-color:var(--brass);background:rgba(154,123,60,.04)}
.scenario-head .mark{width:26px;height:26px;color:var(--brass);flex-shrink:0}
.scenario-head h3{font-family:var(--display);font-weight:400;font-size:22px;color:var(--green-ink);margin-bottom:3px;line-height:1.25}
.scenario-head p{font-size:16px;color:var(--ink-2);line-height:1.45}
.scenario-caret{margin-left:auto;flex-shrink:0;color:var(--brass);transition:transform .25s}
.scenario-card.open .scenario-caret{transform:rotate(180deg)}
.scenario-body{display:none;border-top:1px solid var(--rule);padding:32px 30px;grid-template-columns:1.1fr .9fr;gap:46px}
.scenario-body.open{display:grid}
.scenario-body h5{font-size:16px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--oxblood);margin-bottom:14px}
.scenario-body p{font-size:17px;color:var(--ink-2);line-height:1.75;margin-bottom:12px}
.scenario-body ul{list-style:none;margin:16px 0 22px}
.scenario-body li{padding:10px 0 10px 30px;position:relative;font-size:16px;color:var(--ink);border-bottom:1px solid var(--rule-2)}
.scenario-body li::before{content:"";position:absolute;left:2px;top:18px;width:12px;height:1.5px;background:var(--brass)}
.scenario-link{display:inline-block;font-size:17px;font-weight:600;color:var(--oxblood);text-decoration:none;border-bottom:1.5px solid var(--brass);padding-bottom:2px}
.scenario-link:hover{color:var(--oxblood-dark)}
/* ---- client experiences / reviews ---- */
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px}
.review-card{background:var(--card);border:1px solid var(--rule);padding:30px 28px 26px;position:relative;display:flex;flex-direction:column}
.review-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--brass)}
.review-quote{font-family:var(--display);font-weight:400;font-style:italic;font-size:21px;line-height:1.5;color:var(--green-ink);flex:1}
.review-attr{margin-top:22px;padding-top:16px;border-top:1px solid var(--rule-2);font-size:15px;font-weight:600;letter-spacing:.04em;color:var(--ink-3)}
.review-more{margin-top:34px}
.calc-table{background:var(--paper);border:1px solid var(--rule);padding:26px 26px 20px;align-self:start;position:relative}
.calc-table::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--brass)}
.calc-table h5{color:var(--green-ink);margin-bottom:14px}
.calc-row{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px solid var(--rule-2);font-size:16px}
.calc-row span{color:var(--ink-2)}
.calc-row strong{color:var(--green-ink);font-weight:700;text-align:right}
.calc-row.hl strong{color:var(--seal-green)}
.calc-fine{font-size:13px;color:var(--ink-3);line-height:1.6;margin-top:14px}

/* ---- who ---- */
.who-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.who-card{border:1px solid var(--rule);padding:42px 40px;background:var(--card);position:relative;outline:1px solid transparent}
.who-card.pro{background:var(--green-ink);color:var(--ivory);border-color:var(--green-ink);overflow:hidden;outline:1px solid var(--brass);outline-offset:-7px}
.who-card.pro>.engrave-bg{opacity:.06;color:var(--ivory)}
.who-card h4{font-size:16px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--oxblood);margin-bottom:14px;position:relative}
.who-card.pro h4{color:var(--brass-lite)}
.who-card h3{font-family:var(--display);font-weight:400;font-size:27px;color:var(--green-ink);line-height:1.25;margin-bottom:16px;position:relative}
.who-card.pro h3{color:var(--ivory)}
.who-card>p{font-size:17px;color:var(--ink-2);line-height:1.75;margin-bottom:22px;position:relative}
.who-card.pro>p{color:var(--ivory-2)}
.who-card ul{list-style:none;margin-bottom:30px;position:relative}
.who-card li{padding:11px 0 11px 30px;position:relative;font-size:16px;border-bottom:1px solid var(--rule-2)}
.who-card li::before{content:"";position:absolute;left:2px;top:19px;width:12px;height:1.5px;background:var(--brass)}
.who-card.pro li{border-color:var(--rule-green);color:var(--ivory-2)}
.who-card .btn{position:relative}

/* ---- faq ---- */
.faq-wrap{max-width:860px;border-top:2px solid var(--green-ink)}
.faq-q{width:100%;background:none;border:none;border-bottom:1px solid var(--rule);padding:24px 44px 24px 2px;text-align:left;font-family:var(--display);font-weight:400;font-size:21px;color:var(--green-ink);cursor:pointer;position:relative;line-height:1.35}
.faq-q::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-size:28px;font-weight:400;color:var(--brass);font-family:var(--body);transition:transform .2s}
.faq-q.open::after{transform:translateY(-50%) rotate(45deg)}
.faq-q:hover{color:var(--pine)}
.faq-a{display:none;padding:2px 2px 28px;font-size:17px;color:var(--ink-2);line-height:1.8;max-width:800px}
.faq-a.open{display:block}

/* ---- about ---- */
.about-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:70px;align-items:start}
.about-photo{position:relative}
.about-photo .plate{max-width:none}
.about-quote{font-family:var(--display);font-weight:400;font-style:italic;font-size:26px;line-height:1.45;color:var(--green-ink);border-left:2px solid var(--brass);padding-left:24px;margin:26px 0 30px}
.about-grid .prose p{font-size:18px;color:var(--ink-2);line-height:1.8;margin-bottom:18px}
.tags{display:flex;flex-wrap:wrap;gap:10px;margin:30px 0 18px}
.tag{font-size:15px;font-weight:600;letter-spacing:.03em;color:var(--green-ink);background:var(--paper-2);border:1px solid var(--rule);box-shadow:inset 0 0 0 1px rgba(154,123,60,.25);padding:8px 16px}
.about-fine{font-size:14px;color:var(--ink-3)}

/* ---- contact ---- */
.contact-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:start}
.form-card{background:var(--card);padding:40px 38px;color:var(--ink);box-shadow:var(--shadow);outline:1px solid var(--brass);outline-offset:6px}
.form-card h3{font-family:var(--display);font-weight:400;font-size:24px;color:var(--green-ink);margin-bottom:6px}
.form-card .sub{font-size:16px;color:var(--ink-2);margin-bottom:26px}
.contact-form{display:flex;flex-direction:column;gap:18px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-group{display:flex;flex-direction:column;gap:8px}
.form-group>label{font-size:16px;font-weight:600;letter-spacing:.04em;color:var(--ink)}
.form-group input,.form-group select,.form-group textarea{font-family:var(--body);font-size:17px;min-height:52px;padding:13px 15px;border:1.5px solid var(--rule);background:var(--paper);color:var(--ink);width:100%;border-radius:0}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--green-ink);background:#fff;box-shadow:inset 0 0 0 1px var(--green-ink)}
.form-group textarea{min-height:112px;resize:vertical}
.btn-submit{background:var(--oxblood);color:var(--ivory);border:none;min-height:56px;padding:16px;font-family:var(--body);font-size:18px;font-weight:600;cursor:pointer;transition:background .2s;margin-top:4px;box-shadow:inset 0 0 0 1px rgba(255,255,255,.12),0 1px 0 var(--brass)}
.btn-submit:hover{background:var(--oxblood-dark)}
.consent{display:flex;align-items:flex-start;gap:12px;cursor:pointer;font-size:13.5px;font-weight:400;color:var(--ink-2);letter-spacing:0;line-height:1.6}
.consent input{margin-top:3px;flex-shrink:0;width:18px;height:18px;min-height:0;accent-color:var(--green-ink);cursor:pointer}
.contact-side h3{font-family:var(--display);font-weight:400;font-size:27px;margin-bottom:16px;line-height:1.3;color:var(--ivory)}
.contact-side>p{font-size:17px;color:var(--ivory-2);line-height:1.75;margin-bottom:30px}
.c-rows{border-top:1px solid var(--rule-green);margin-bottom:34px}
.c-row{display:flex;align-items:center;gap:18px;padding:18px 0;border-bottom:1px solid var(--rule-green);text-decoration:none}
.c-row .c-ico{width:44px;height:44px;flex-shrink:0;display:flex;align-items:center;justify-content:center;background:rgba(241,236,221,.06);border:1px solid var(--rule-green);color:var(--brass-lite)}
.c-row small{display:block;font-size:15px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ivory-3)}
.c-row strong{font-size:18px;color:var(--ivory);font-weight:600}
.c-pro{background:rgba(241,236,221,.05);border:1px solid var(--rule-green);border-left:3px solid var(--brass);padding:26px 28px}
.c-pro h4{font-family:var(--display);font-weight:400;font-size:20px;margin-bottom:8px;color:var(--ivory)}
.c-pro p{font-size:16px;color:var(--ivory-2);line-height:1.7}

/* ---- footer ---- */
footer{background:var(--green-ink);color:var(--ivory-2);padding:56px 2rem 120px;font-size:14px;line-height:1.75;border-top:1px solid var(--brass)}
.foot-inner{max-width:1200px;margin:0 auto}
.foot-top{display:flex;justify-content:space-between;align-items:flex-start;gap:34px;flex-wrap:wrap;border-bottom:1px solid var(--rule-green);padding-bottom:28px;margin-bottom:28px}
.foot-brand{display:flex;align-items:center;gap:14px}
.foot-brand .monogram{width:52px;height:52px}
.foot-brand .fb-name{font-family:var(--display);font-size:21px;color:var(--ivory)}
.foot-brand .fb-sub{font-size:13px;color:var(--ivory-2);margin-top:3px}
footer a{color:var(--ivory);text-underline-offset:3px;text-decoration-color:var(--brass)}
.foot-links{display:flex;gap:26px;flex-wrap:wrap;font-size:16px}
.ehl{display:flex;align-items:center;gap:12px;margin:0 0 22px}
.ehl svg{flex-shrink:0}
.ehl span{font-size:14px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ivory-2)}
.foot-legal{max-width:1000px;color:var(--ivory-3)}

/* ---- mobile sticky call bar ---- */
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:200;background:var(--card);border-top:1px solid var(--brass);padding:10px 12px calc(10px + env(safe-area-inset-bottom));grid-template-columns:1fr 1fr;gap:10px;box-shadow:0 -8px 26px rgba(20,40,30,.16)}
.callbar a{display:flex;align-items:center;justify-content:center;gap:9px;min-height:52px;font-size:17px;font-weight:600;text-decoration:none}
.callbar .cb-call{background:var(--green-ink);color:var(--ivory)}
.callbar .cb-est{background:var(--oxblood);color:var(--ivory)}

/* ---- responsive ---- */
@media(max-width:1040px){
  .nav-links{display:none}
  .hero-inner{grid-template-columns:1fr;gap:0}
  .hero-copy{padding-bottom:44px}
  .hero-portrait{align-self:center;margin-top:8px}
  .hero-portrait .plate{max-width:280px;padding:10px 10px 0}
  .hero-portrait .plate img{max-height:300px}
  .nameplate{margin:10px -10px 0;padding:12px 16px}
  .what-grid,.who-grid,.contact-grid,.about-grid,.jumbo-grid,.safe-grid,.inst-grid{grid-template-columns:1fr}
  .review-grid{grid-template-columns:1fr}
  .inst-left{border-right:none;border-bottom:1px solid var(--rule)}
  .ledger-row,.step{grid-template-columns:64px 1fr}
  .ledger-row .h{grid-column:2}.ledger-row p{grid-column:2}
  .disb-row{grid-template-columns:1fr;gap:12px}
  .jstats{grid-template-columns:1fr 1fr}
  .scenario-body{grid-template-columns:1fr;gap:28px}
  .glance{position:static}
}
@media(max-width:720px){
  body{font-size:17px}
  section{padding:64px 1.2rem}
  nav{padding:0 1.1rem;height:70px}
  .brand-sub{display:none}
  .nav-phone{align-items:flex-end}
  .nav-phone span{display:none}
  .nav-cta{display:none}
  .util{font-size:13px;padding:8px 12px}
  .util .verify{display:none}
  .hero-inner{padding:52px 1.2rem 0}
  .hero-copy{padding-bottom:32px}
  .hero-portrait .plate{max-width:240px}
  .hero-sub{font-size:19px}
  .path{grid-template-columns:1fr}
  .trust-item{padding:6px 16px;font-size:15px}
  .trust-item+.trust-item::before{display:none}
  .inst-head,.inst-left,.inst-right{padding-left:22px;padding-right:22px}
  .field-in{font-size:23px}
  .form-row{grid-template-columns:1fr}
  .form-card{padding:28px 22px}
  .callbar{display:grid}
  footer{padding-bottom:130px}
}