:root{
  --ink:#16202a; --ink-2:#3c4a57; --muted:#5f6d79;
  --paper:#f7f3ec; --card:#ffffff; --line:#e2dacd;
  --brick:#a8442a; --brick-dark:#86331e; --navy:#1d3347; --navy-2:#27445e;
  --gold:#c9a24a; --ok:#2f7a4a;
  --r:10px; --wrap:1120px;
  --display:"Fraunces",Georgia,"Times New Roman",serif;
  --body:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.6 var(--body);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--brick)}
a:hover{color:var(--brick-dark)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{font-family:var(--display);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(2.1rem,5vw,3.4rem);font-weight:700}
h2{font-size:clamp(1.7rem,3.4vw,2.4rem);font-weight:600}
h3{font-size:1.25rem;font-weight:600}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.eyebrow{font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brick);margin-bottom:.6em}
.lead{font-size:1.15rem;color:var(--ink-2)}
.btn{display:inline-block;background:var(--brick);color:#fff;text-decoration:none;font-weight:700;padding:14px 22px;border-radius:8px;border:0;cursor:pointer;font:700 1rem var(--body)}
.btn:hover{background:var(--brick-dark);color:#fff}
.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}

/* header */
.top{position:sticky;top:0;z-index:20;background:rgba(247,243,236,.94);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.logo svg{width:40px;height:42px;flex:none}
.logo b{font-family:var(--display);font-size:1.2rem;font-weight:700;line-height:1.05}
.logo span{display:block;font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-family:var(--body);font-weight:600}
.top nav{display:flex;align-items:center;gap:22px}
.top nav a{color:var(--ink-2);text-decoration:none;font-weight:600;font-size:.95rem}
.top nav a:hover{color:var(--brick)}
.top nav .btn{padding:10px 16px;color:#fff}
.top nav a.login{display:inline-flex;align-items:center;gap:6px;color:var(--navy);border:1px solid var(--line);border-radius:8px;padding:8px 12px;background:#fff}
.top nav a.login:hover{border-color:var(--navy);color:var(--navy)}
.top nav a.login svg{width:15px;height:15px}
@media (max-width:820px){.top nav a:not(.btn):not(.login){display:none}.top nav a.login span{display:none}.top nav a.login{padding:9px}}

/* hero */
.hero{position:relative;overflow:hidden;padding:64px 0 72px;color:#fff;background:linear-gradient(100deg,rgba(17,26,34,.85) 0%,rgba(17,26,34,.55) 45%,rgba(17,26,34,.1) 100%),var(--hero-img) center 55%/cover no-repeat #1d3347}
.hero .eyebrow{color:var(--gold)}
.hero h1{color:#fff}
.hero .lead{color:#e3e9ee}
.hero .formcard{color:var(--ink)}
.photo{margin:0;border-radius:var(--r);overflow:hidden;background:var(--line)}
.photo img{width:100%;height:100%;object-fit:cover}
.credit{font-size:.72rem;color:var(--muted);margin-top:6px}
.strip{display:grid;grid-template-columns:2fr 1fr 1fr;gap:14px;height:340px}
.strip .photo{height:100%}
.about-photo{height:320px;margin:0 auto 34px;max-width:900px}
.keys{height:220px;margin-bottom:16px}
.band.dark.photo-cta{background:linear-gradient(rgba(17,26,34,.6),rgba(17,26,34,.6)),var(--cta-img) center/cover no-repeat #111a22}
@media (max-width:700px){.strip{grid-template-columns:1fr 1fr;height:auto}.strip .photo{height:180px}.strip .photo:first-child{grid-column:1/-1;height:220px}.about-photo{height:220px}}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.hero .lead{max-width:34em}
.points{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:10px}
.points li{display:flex;gap:10px;align-items:flex-start;font-weight:600}
.points li::before{content:"";flex:none;width:20px;height:20px;margin-top:3px;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='white' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:.88rem;font-weight:600;color:var(--navy)}
.badge svg{width:16px;height:16px}
.skyline{margin-top:48px;color:var(--navy);opacity:.95}
.skyline svg{width:100%;height:auto}

/* form card */
.formcard{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 18px 40px -22px rgba(22,32,42,.35)}
.formcard h2{font-size:1.6rem;margin-bottom:.2em}
.formcard p.small{font-size:.9rem;color:var(--muted)}
.field{display:flex;flex-direction:column;gap:5px;margin-bottom:12px}
.field label{font-size:.88rem;font-weight:700;color:var(--ink-2)}
.field input,.field select,.field textarea{font:inherit;font-size:1rem;padding:11px 12px;border:1px solid #cfc6b6;border-radius:8px;background:#fffdf9;color:var(--ink);width:100%}
.field textarea{min-height:84px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted);margin:6px 0 14px}
.consent input{margin-top:4px;flex:none}
.formcard .btn{width:100%}
.hidden{position:absolute;left:-9999px}

/* sections */
section.band{padding:84px 0}
.band.alt{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band.dark{background:var(--navy);color:#eef2f6}
.band.dark h2,.band.dark h3{color:#fff}
.band.dark .eyebrow{color:var(--gold)}
.band.dark .lead{color:#c9d4de}
.center{text-align:center;max-width:720px;margin:0 auto 44px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:26px;position:relative}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--brick);color:#fff;font:700 1.2rem var(--display);margin-bottom:14px}
.step p{color:var(--ink-2);margin:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.sit{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.sit svg{width:34px;height:34px;color:var(--brick);margin-bottom:12px}
.sit p{color:var(--ink-2);margin:0;font-size:.96rem}
.compare{width:100%;border-collapse:collapse;background:var(--card);border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
.compare th,.compare td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:.97rem;vertical-align:top}
.compare thead th{background:var(--navy);color:#fff;font-weight:700}
.compare thead th:nth-child(2){background:var(--brick)}
.compare tbody th{font-weight:700;color:var(--ink-2);width:30%}
.compare tr:last-child td,.compare tr:last-child th{border-bottom:0}
.tablewrap{overflow-x:auto;border-radius:var(--r)}
.honest{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.checklist li{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:16px 18px}
.checklist b{display:block;color:#fff;margin-bottom:2px}
.checklist span{color:#c9d4de;font-size:.95rem}
.team{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.person{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:26px;display:flex;gap:18px;align-items:flex-start}
.mono{flex:none;width:58px;height:58px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 1.25rem var(--display)}
.person h3{margin-bottom:.15em}
.person .role{font-size:.85rem;font-weight:700;color:var(--brick);letter-spacing:.04em;text-transform:uppercase;margin-bottom:.6em}
.person p{color:var(--ink-2);margin:0;font-size:.97rem}
.investors{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.faq{max-width:820px;margin:0 auto}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--r);margin-bottom:10px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:600 1.4rem/1 var(--body);color:var(--brick)}
.faq details[open] summary::after{content:"\2013"}
.faq details p{color:var(--ink-2);margin:0 0 18px}
.cta{text-align:center}
.cta .btn{margin-top:8px}

/* footer */
footer{background:#111a22;color:#aab6c1;padding:48px 0 34px;font-size:.92rem}
footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
footer b{color:#fff;font-family:var(--display);font-size:1.1rem}
footer a{color:#dfe6ec}
footer .legal{grid-column:1/-1;border-top:1px solid #26333f;padding-top:18px;font-size:.8rem;color:#8796a3;display:flex;flex-wrap:wrap;gap:8px 18px;align-items:center}
footer .eho{display:inline-flex;align-items:center;gap:8px}
footer .eho svg{width:22px;height:22px}

/* simple pages */
.page{padding:70px 0 90px}
.page .wrap{max-width:780px}
.page h2{font-size:1.4rem;margin-top:1.6em}

@media (max-width:900px){
  .hero .wrap,.honest,.investors{grid-template-columns:1fr}
  .steps,.grid3{grid-template-columns:1fr 1fr}
  .team{grid-template-columns:1fr}
  footer .wrap{grid-template-columns:1fr 1fr}
}
@media (max-width:600px){
  body{font-size:16px}
  .logo b{font-size:1.02rem;display:block;max-width:9em}
  .logo span{display:none}
  .top nav{flex:none;gap:8px}
  .top .wrap{gap:10px}
  .top nav .btn{padding:9px 12px;font-size:.9rem;white-space:nowrap}
  .steps,.grid3,.row2{grid-template-columns:1fr}
  section.band{padding:60px 0}
  .hero{padding-top:34px;background-position:center,72% 55%}
  footer .wrap{grid-template-columns:1fr}
  .person{flex-direction:column}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}