*,:before,:after{box-sizing:border-box;margin:0;padding:0}em{padding-right:.12em;display:inline-block}:root{--navy:#1a3a5c;--navy-dark:#0d2137;--gold:#c09a5b;--gold-light:#d4b47a;--gold-pale:#f5e8d0;--cream:#f4f1eb;--cream2:#ede9e1;--white:#fff;--gray:#7a8a9a;--gray-light:#dde3ea;--text:#1a2a3a;--grad-gold:linear-gradient(135deg,#b8894a,#d4b47a,#b8894a);--grad-gold2:linear-gradient(90deg,#c09a5b,#d4b47a)}html{scroll-behavior:smooth}body{color:var(--text);background:var(--cream);font-family:Montserrat,sans-serif;overflow-x:hidden}a{color:inherit;text-decoration:none}img{max-width:100%}#mainNav{z-index:900;justify-content:space-between;align-items:center;height:72px;padding:0 6%;transition:all .5s;display:flex;position:fixed;top:0;left:0;right:0}#mainNav.scrolled,#mainNav.solid{-webkit-backdrop-filter:blur(20px);background:#f4f1ebeb;box-shadow:0 1px #c09a5b33,0 4px 24px #1a3a5c0f}.nav-logo{cursor:pointer;align-items:center;gap:12px;display:flex}.nav-logo svg{filter:drop-shadow(0 2px 8px #c09a5b33);width:42px;height:42px}.nav-brand{flex-direction:column;line-height:1.15;display:flex}.nav-brand-name{color:var(--navy);letter-spacing:-.3px;font-size:15px;font-weight:800}.nav-brand-name span{color:var(--gold)}.nav-brand-sub{color:var(--gray);letter-spacing:2.5px;text-transform:uppercase;font-size:9px}.nav-links{align-items:center;gap:32px;display:flex}.nav-links a{color:var(--navy);letter-spacing:.2px;padding-bottom:2px;font-size:13px;font-weight:600;transition:color .2s;position:relative}.nav-links a:after{content:"";background:var(--gold);transform-origin:0;height:1.5px;transition:transform .25s;position:absolute;bottom:0;left:0;right:0;transform:scaleX(0)}.nav-links a:hover:after{transform:scaleX(1)}.nav-links a:hover{color:var(--gold)}.nav-cta{background:var(--navy);letter-spacing:.8px;text-transform:uppercase;border-radius:30px;justify-content:center;align-items:center;height:36px;padding:0 22px;transition:all .25s;display:inline-flex;box-shadow:0 4px 16px #1a3a5c33;color:#fff!important;font-size:12px!important;font-weight:700!important}.nav-cta:hover{background:var(--gold);transform:translateY(-2px);box-shadow:0 8px 28px #c09a5b66}.nav-cta:after{display:none!important}.nav-phone{color:#c0392b!important;font-size:13px!important;font-weight:700!important;transition:color .2s!important}.nav-phone:hover{color:#e74c3c!important}.nav-phone:after{display:none!important}.hamburger{cursor:pointer;flex-direction:column;gap:5px;display:none}.hamburger span{background:var(--navy);border-radius:2px;width:22px;height:2px;transition:all .3s;display:block}.nav-item{display:inline-block;position:relative}.nav-toggle{cursor:pointer;color:var(--navy);letter-spacing:.2px;background:0 0;border:0;align-items:center;gap:4px;padding:0 0 2px;font-family:Montserrat,sans-serif;font-size:13px;font-weight:600;transition:color .2s;display:inline-flex}.nav-toggle:hover,.nav-item.open .nav-toggle{color:var(--gold)}.nav-caret{transition:transform .2s;display:inline-block}.nav-item.open .nav-caret{transform:rotate(180deg)}.nav-dropdown{z-index:200;background:#fff;border:1px solid #c09a5b2e;border-radius:10px;min-width:250px;margin-top:6px;padding:8px;display:none;position:absolute;top:100%;left:-8px;box-shadow:0 12px 32px #1a3a5c24}.nav-item.open .nav-dropdown{display:block}@media(hover:hover)and (min-width:961px){.nav-item:hover .nav-dropdown{display:block}}.nav-dropdown a{border-radius:6px;color:var(--navy)!important;padding:10px 14px!important;font-size:13px!important;font-weight:600!important;text-decoration:none!important;display:block!important}.nav-dropdown a:first-child{border-bottom:1px solid var(--gray-light);border-radius:6px 6px 0 0;margin-bottom:4px}.nav-dropdown a:hover{background:var(--cream);color:var(--gold)!important}.nav-dropdown a:after{display:none!important}@media(max-width:1180px)and (min-width:961px){.nav-links{gap:20px}}.page{display:none}.page.active{display:block}.hero{background:radial-gradient(ellipse at 80% 20%,#c09a5b1f 0%,transparent 50%),radial-gradient(ellipse at 20% 80%,#1a3a5c0f 0%,transparent 50%),var(--cream);align-items:center;min-height:100vh;padding:120px 6% 80px;display:flex;position:relative;overflow:hidden}.hero:before{content:"";pointer-events:none;background:radial-gradient(circle,#c09a5b1a,#c09a5b08 50%,#0000 70%);border-radius:50%;width:600px;height:600px;position:absolute;top:50%;right:-80px;transform:translateY(-50%)}.hero-inner{z-index:1;grid-template-columns:1fr 1fr;align-items:center;gap:80px;width:100%;max-width:1280px;margin:0 auto;display:grid;position:relative}.hero-tag{letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);align-items:center;gap:8px;margin-bottom:24px;font-size:11px;font-weight:700;display:inline-flex}.hero-tag:before{content:"";background:var(--gold);width:24px;height:1.5px;display:block}.hero h1{color:var(--navy);letter-spacing:-2px;margin-bottom:24px;padding-bottom:.15em;font-size:clamp(40px,5vw,72px);font-weight:800;line-height:1.15}.hero h1 em{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-style:italic}.hero-sub{color:var(--gray);max-width:460px;margin-bottom:44px;font-size:17px;font-weight:400;line-height:1.85}.hero-actions{flex-wrap:wrap;gap:14px;margin-bottom:56px;display:flex}.btn-primary{background:var(--navy);color:#fff;letter-spacing:.5px;border-radius:30px;align-items:center;gap:8px;padding:15px 34px;font-family:Montserrat,sans-serif;font-size:13px;font-weight:700;transition:all .3s;display:inline-flex;box-shadow:0 6px 24px #1a3a5c33}.btn-primary:hover{background:var(--navy-dark);transform:translateY(-3px);box-shadow:0 12px 36px #1a3a5c4d}.btn-gold-outline{color:var(--navy);letter-spacing:.5px;border:2px solid var(--gold);background:0 0;border-radius:30px;align-items:center;gap:8px;padding:14px 32px;font-family:Montserrat,sans-serif;font-size:13px;font-weight:700;transition:all .3s;display:inline-flex}.btn-gold-outline:hover{background:var(--gold);color:#fff;transform:translateY(-3px)}.hero-kpis{flex-wrap:wrap;gap:40px;display:flex}.kpi-num{color:var(--navy);letter-spacing:-1.5px;font-size:38px;font-weight:800;line-height:1}.kpi-num span{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text}.kpi-label{color:var(--gray);letter-spacing:1.5px;text-transform:uppercase;margin-top:4px;font-size:11px;font-weight:600}.hero-vis{justify-content:center;align-items:center;display:flex;position:relative}.hero-clock-wrap{filter:drop-shadow(0 32px 64px #c09a5b33)drop-shadow(0 8px 24px #1a3a5c1a);width:clamp(260px,30vw,420px);height:clamp(260px,30vw,420px);animation:7s ease-in-out infinite float}@keyframes float{0%,to{transform:translateY(0)}50%{transform:translateY(-20px)}}.orbit-ring{border:1px solid #c09a5b33;border-radius:50%;width:calc(clamp(260px,30vw,420px) + 80px);height:calc(clamp(260px,30vw,420px) + 80px);animation:20s linear infinite orb;position:absolute}.orbit-ring:before{content:"";background:var(--gold);width:10px;height:10px;box-shadow:0 0 12px var(--gold);border-radius:50%;margin-left:-5px;position:absolute;top:-5px;left:50%}@keyframes orb{to{transform:rotate(360deg)}}.ticker{background:linear-gradient(90deg,var(--navy) 0%,var(--navy-dark) 50%,var(--navy) 100%);padding:16px 0;position:relative;overflow:hidden}.ticker:before,.ticker:after{content:"";z-index:2;pointer-events:none;width:80px;position:absolute;top:0;bottom:0}.ticker:before{background:linear-gradient(90deg,var(--navy),transparent);left:0}.ticker:after{background:linear-gradient(-90deg,var(--navy),transparent);right:0}.ticker-inner{width:max-content;animation:30s linear infinite tickscroll;display:flex}@keyframes tickscroll{to{transform:translate(-50%)}}.ticker-item{letter-spacing:2px;text-transform:uppercase;color:#ffffffd9;white-space:nowrap;align-items:center;gap:12px;padding:0 40px;font-size:12px;font-weight:700;display:inline-flex}.ticker-sep{color:var(--gold);opacity:.6;font-size:16px}.label{letter-spacing:3px;text-transform:uppercase;color:var(--gold);align-items:center;gap:10px;margin-bottom:16px;font-size:11px;font-weight:700;display:inline-flex}.label:before{content:"";background:var(--gold);width:24px;height:1.5px;display:block}.flow-title{color:var(--navy);letter-spacing:-1.5px;margin-bottom:20px;font-size:clamp(30px,3.8vw,52px);font-weight:800;line-height:1.1}.flow-title em{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;padding-right:.12em;font-style:italic;display:inline-block}.flow-sub{color:var(--gray);max-width:500px;font-size:16px;font-weight:400;line-height:1.9}.why-wrap{background:radial-gradient(ellipse at 0% 50%,#c09a5b0f 0%,transparent 50%),var(--white);padding:120px 6%}.why-intro{grid-template-columns:1fr 1fr;align-items:end;gap:80px;max-width:1280px;margin-bottom:72px;margin-left:auto;margin-right:auto;display:grid}.why-grid{background:var(--gray-light);border-radius:16px;grid-template-columns:repeat(3,1fr);gap:2px;max-width:1280px;margin:0 auto;display:grid;overflow:hidden}.why-card{background:var(--white);grid-template-columns:auto auto 1fr;align-items:center;gap:12px;padding:20px;transition:background .3s,transform .3s;display:grid;position:relative;overflow:hidden}.why-card:hover{background:var(--cream);transform:scale(1.01)}.why-accent{background:var(--grad-gold2);transform-origin:bottom;width:3px;transition:transform .35s;position:absolute;top:0;bottom:0;left:0;transform:scaleY(0)}.why-card:hover .why-accent{transform:scaleY(1)}.why-num{color:#c09a5b4d;min-width:20px;margin:0;font-size:24px;font-weight:800;line-height:1}.why-icon{font-size:20px;line-height:1;display:block}.why-text h3{color:var(--navy);margin-bottom:3px;font-size:14px;font-weight:700}.why-text p{color:var(--gray);font-size:12px;font-weight:400;line-height:1.55}.stripe-sep{background:var(--white);clip-path:polygon(0 0,100% 30%,100% 100%,0 100%);height:80px;margin-bottom:-2px}.stripe-sep.flip{clip-path:polygon(0 30%,100% 0,100% 100%,0 100%)}.stats-band{background:radial-gradient(ellipse at 50% 50%,#c09a5b14 0%,transparent 65%),linear-gradient(135deg,var(--cream2) 0%,var(--cream) 50%,var(--cream2) 100%);padding:0 6%;position:relative}.stats-band:before{content:"";background:linear-gradient(90deg,transparent,var(--gold-pale),transparent);height:1px;position:absolute;top:0;left:0;right:0}.stats-band:after{content:"";background:linear-gradient(90deg,transparent,var(--gold-pale),transparent);height:1px;position:absolute;bottom:0;left:0;right:0}.stats-row{grid-template-columns:repeat(4,1fr);gap:0;max-width:1280px;margin:0 auto;padding:28px 0;display:grid}.stat-item{border-right:1px solid #c09a5b33;flex-direction:column;justify-content:space-between;align-items:center;gap:8px;padding:0 24px;display:flex}.stat-item:last-child{border-right:none}.stat-big{letter-spacing:-1.5px;background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-size:clamp(30px,3vw,44px);font-weight:800;line-height:1;display:block}.stat-desc{color:var(--gray);letter-spacing:2px;text-transform:uppercase;text-align:center;font-size:10px;font-weight:700;line-height:1.4}.hiw-wrap{background:radial-gradient(ellipse at 100% 0%,#c09a5b12 0%,transparent 50%),var(--white);padding:120px 6%}.hiw-layout{grid-template-columns:1fr 1fr;align-items:start;gap:80px;max-width:1280px;margin:64px auto 0;display:grid}.hiw-steps-list{flex-direction:column;gap:0;display:flex}.hiw-step{border-bottom:1px solid var(--gray-light);cursor:pointer;align-items:flex-start;gap:24px;padding:32px 0;transition:all .3s;display:flex}.hiw-step:last-child{border-bottom:none}.hiw-step:hover{padding-left:8px}.step-circle{border:2px solid var(--navy);width:48px;height:48px;color:var(--navy);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:17px;font-weight:800;transition:all .3s;display:flex}.hiw-step:hover .step-circle{background:var(--navy);color:#fff}.hiw-step h3{color:var(--navy);margin-bottom:6px;font-size:17px;font-weight:700}.hiw-step p{color:var(--gray);font-size:14px;font-weight:400;line-height:1.75}.hiw-card{background:radial-gradient(ellipse at top right,#c09a5b1f 0%,transparent 60%),var(--cream);border:1px solid #c09a5b33;border-radius:20px;padding:48px 40px;position:sticky;top:100px;box-shadow:0 8px 48px #1a3a5c0f,0 2px 8px #c09a5b1a}.hiw-card-clock{justify-content:center;margin-bottom:36px;display:flex}.hiw-card-clock svg{filter:drop-shadow(0 8px 24px #c09a5b26);width:180px;height:180px}.check-list{flex-direction:column;gap:10px;display:flex}.check-item{background:var(--white);border:1px solid #c09a5b26;border-radius:10px;align-items:center;gap:12px;padding:13px 18px;transition:all .25s;display:flex}.check-item:hover{border-color:var(--gold);box-shadow:0 4px 16px #c09a5b1a}.check-tick{background:var(--navy);color:#fff;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:24px;height:24px;font-size:11px;font-weight:700;display:flex}.check-item span{color:var(--navy);font-size:14px;font-weight:600}.compare-wrap{background:radial-gradient(ellipse at 20% 100%,#c09a5b12 0%,transparent 50%),var(--cream);padding:120px 6%}.compare-inner{max-width:900px;margin:64px auto 0}.compare-table{border-radius:16px;overflow:hidden;box-shadow:0 8px 48px #1a3a5c14}.compare-head{background:var(--navy);grid-template-columns:1.2fr 1fr 1fr;gap:12px;padding:20px 28px;display:grid}.ch-label{letter-spacing:1.5px;text-transform:uppercase;color:#ffffff80;font-size:11px;font-weight:700}.ch-label.hl{color:var(--gold)}.compare-body{background:var(--white)}.compare-row{border-bottom:1px solid var(--gray-light);grid-template-columns:1.2fr 1fr 1fr;align-items:center;gap:12px;padding:18px 28px;transition:background .2s;display:grid}.compare-row:last-child{border-bottom:none}.compare-row:hover,.compare-row:nth-child(2n){background:var(--cream)}.compare-row:nth-child(2n):hover{background:var(--cream2)}.compare-row span{color:var(--gray);font-size:15px;font-weight:500}.compare-row span:first-child{color:var(--text);font-weight:700}.bad{color:#c0392b!important;font-weight:600!important}.good{color:#27ae60!important;font-weight:700!important}.test-wrap{background:radial-gradient(ellipse at 80% 0%,#c09a5b14 0%,transparent 50%),var(--white);padding:120px 6%}.test-grid{grid-template-columns:repeat(3,1fr);gap:24px;max-width:1280px;margin-top:64px;margin-left:auto;margin-right:auto;display:grid}.test-card{background:var(--cream);border:1px solid #c09a5b26;border-radius:16px;padding:40px 32px;transition:all .35s;position:relative;overflow:hidden}.test-card:after{content:"";background:var(--grad-gold2);transform-origin:0;height:3px;transition:transform .35s;position:absolute;bottom:0;left:0;right:0;transform:scaleX(0)}.test-card:hover{border-color:var(--gold);transform:translateY(-8px);box-shadow:0 24px 64px #1a3a5c1a}.test-card:hover:after{transform:scaleX(1)}.test-quote-mark{color:#c09a5b1a;font-size:96px;font-style:italic;font-weight:800;line-height:1;position:absolute;top:8px;left:24px}.stars{color:var(--gold);letter-spacing:3px;margin-bottom:20px;font-size:13px}.test-body{color:var(--gray);z-index:1;margin-bottom:28px;font-size:15px;font-weight:400;line-height:1.9;position:relative}.test-author{align-items:center;gap:12px;display:flex}.test-avatar{background:var(--navy);width:42px;height:42px;color:var(--gold);border-radius:50%;justify-content:center;align-items:center;font-size:16px;font-weight:800;display:flex}.test-name{color:var(--navy);font-size:14px;font-weight:700}.test-loc{color:var(--gray);margin-top:2px;font-size:12px;font-weight:400}.cta-wrap{text-align:center;background:radial-gradient(ellipse at 50% 0%,#c09a5b26 0%,transparent 60%),radial-gradient(ellipse at 0% 100%,#1a3a5c0d 0%,transparent 50%),var(--cream2);padding:140px 6%;position:relative;overflow:hidden}.cta-wrap:before{content:"";pointer-events:none;background:repeating-linear-gradient(45deg,#0000,#0000 60px,#c09a5b05 60px 61px);position:absolute;inset:0}.cta-wrap h2{color:var(--navy);letter-spacing:-2px;z-index:1;margin-bottom:20px;font-size:clamp(32px,4.5vw,64px);font-weight:800;position:relative}.cta-wrap h2 em{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-style:italic}.cta-wrap p{color:var(--gray);z-index:1;max-width:460px;margin:0 auto 48px;font-size:17px;font-weight:400;line-height:1.85;position:relative}.cta-actions{z-index:1;flex-wrap:wrap;justify-content:center;gap:16px;display:flex;position:relative}.btn-phone{color:var(--navy);border:2px solid var(--navy);background:0 0;border-radius:30px;align-items:center;gap:10px;padding:15px 34px;font-family:Montserrat,sans-serif;font-size:15px;font-weight:700;transition:all .3s;display:inline-flex}.btn-phone:hover{background:var(--navy);color:#fff;transform:translateY(-3px);box-shadow:0 10px 32px #1a3a5c33}.page-header{background:radial-gradient(ellipse at 70% 30%,#c09a5b1a 0%,transparent 55%),radial-gradient(ellipse at 0% 70%,#1a3a5c0a 0%,transparent 50%),var(--cream);padding:160px 6% 100px;position:relative;overflow:hidden}.page-header:after{content:"";background:linear-gradient(90deg,#0000,#c09a5b4d,#0000);height:1px;position:absolute;bottom:0;left:0;right:0}.page-header h1,.page-header h2{color:var(--navy);letter-spacing:-2px;margin-bottom:20px;padding-bottom:.15em;font-size:clamp(38px,5vw,68px);font-weight:800;line-height:1.15}.page-header h1 em,.page-header h2 em{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;padding-right:.12em;font-style:italic;display:inline-block}.page-header p{color:var(--gray);max-width:520px;font-size:18px;font-weight:400;line-height:1.8}.ph-inner{max-width:1280px;margin:0 auto}.content-flow{padding:100px 6%}.content-flow.tinted{background:radial-gradient(ellipse at 100% 50%,#c09a5b0f 0%,transparent 55%),var(--cream)}.full-steps{flex-direction:column;max-width:1280px;margin:64px auto 0;display:flex}.full-step{border-bottom:1px solid var(--gray-light);grid-template-columns:80px 1fr;align-items:start;gap:40px;padding:56px 0;display:grid}.full-step:last-child{border-bottom:none}.big-circle{border:2px solid var(--navy);width:64px;height:64px;color:var(--navy);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:22px;font-weight:800;display:flex}.full-step h3{color:var(--navy);letter-spacing:-.5px;margin-bottom:12px;font-size:22px;font-weight:800}.full-step p{color:var(--gray);margin-bottom:16px;font-size:16px;font-weight:400;line-height:1.9}.step-bullets{flex-direction:column;gap:8px;list-style:none;display:flex}.step-bullets li{color:var(--gray);align-items:center;gap:10px;font-size:15px;font-weight:500;display:flex}.step-bullets li:before{content:"";background:var(--gold);border-radius:50%;flex-shrink:0;width:6px;height:6px;display:block}.faq-stack{flex-direction:column;gap:8px;max-width:1280px;margin:56px auto 0;display:flex}.faq-item{background:var(--white);border:1px solid var(--gray-light);border-radius:12px;transition:box-shadow .3s;overflow:hidden}.faq-item.open{border-color:#c09a5b40;box-shadow:0 8px 32px #1a3a5c0f}.faq-q{cursor:pointer;color:var(--navy);justify-content:space-between;align-items:center;padding:22px 28px;font-size:16px;font-weight:700;transition:background .2s;display:flex}.faq-q:hover{background:var(--cream)}.faq-toggle{border:1.5px solid var(--gray-light);width:30px;height:30px;color:var(--navy);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:18px;font-weight:300;transition:all .3s;display:flex}.faq-item.open .faq-toggle{background:var(--navy);color:#fff;border-color:var(--navy);transform:rotate(45deg)}.faq-ans{max-height:0;color:var(--gray);padding:0 28px;font-size:15px;font-weight:400;line-height:1.85;transition:max-height .4s,padding .3s;overflow:hidden}.faq-item.open .faq-ans{max-height:300px;padding:0 28px 28px}.about-grid{grid-template-columns:1fr 1fr;align-items:center;gap:80px;max-width:1280px;margin:0 auto;display:grid}.about-text h2{color:var(--navy);letter-spacing:-1px;margin-bottom:28px;font-size:clamp(28px,3.5vw,44px);font-weight:800}.about-text p{color:var(--gray);margin-bottom:18px;font-size:16px;font-weight:400;line-height:1.9}.about-text p strong{color:var(--navy);font-weight:700}.about-stats-card{background:radial-gradient(ellipse at top right,#c09a5b1f 0%,transparent 60%),var(--cream);border:1px solid #c09a5b33;border-radius:20px;padding:48px 40px;box-shadow:0 8px 48px #1a3a5c0f}.about-stat-row{border-bottom:1px solid #c09a5b26;align-items:center;gap:24px;padding:24px 0;display:flex}.about-stat-row:last-child{border-bottom:none}.about-stat-num{letter-spacing:-2px;background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;min-width:105px;font-size:44px;font-weight:800;line-height:1}.about-stat-desc{color:var(--gray);font-size:14px;font-weight:500;line-height:1.6}.values-grid{grid-template-columns:1fr 1fr;gap:20px;max-width:1280px;margin:56px auto 0;display:grid}.value-card{background:var(--white);border:1px solid var(--gray-light);border-radius:14px;padding:32px;transition:all .3s}.value-card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 12px 40px #c09a5b1a}.val-icon{margin-bottom:14px;font-size:28px}.value-card h4{color:var(--navy);margin-bottom:10px;font-size:16px;font-weight:700}.value-card p{color:var(--gray);font-size:14px;font-weight:400;line-height:1.75}.contact-layout{grid-template-columns:1fr 1.5fr;align-items:start;gap:72px;max-width:1280px;margin:0 auto;display:grid}.contact-info h2{color:var(--navy);letter-spacing:-.8px;margin-bottom:36px;font-size:clamp(26px,3vw,38px);font-weight:800}.contact-item{align-items:flex-start;gap:18px;margin-bottom:28px;display:flex}.contact-icon{background:var(--cream2);border:1px solid #c09a5b33;border-radius:12px;flex-shrink:0;justify-content:center;align-items:center;width:46px;height:46px;font-size:18px;display:flex}.contact-label{letter-spacing:2px;text-transform:uppercase;color:var(--gray);margin-bottom:4px;font-size:10px;font-weight:700}.contact-val{color:var(--navy);font-size:16px;font-weight:600}.contact-val a{color:var(--navy);transition:color .2s}.contact-val a:hover{color:var(--gold)}.note-card{background:var(--gold-pale);border:1px solid #c09a5b40;border-radius:14px;margin-top:40px;padding:24px}.note-card p{color:var(--navy);font-size:14px;font-weight:500;line-height:1.75}.note-card strong{font-weight:700}.form-card{background:var(--white);border:1px solid var(--gray-light);border-radius:20px;padding:48px 44px;box-shadow:0 8px 48px #1a3a5c0f}.form-card h3{color:var(--navy);letter-spacing:-.5px;margin-bottom:6px;font-size:24px;font-weight:800}.form-card .form-sub{color:var(--gray);margin-bottom:36px;font-size:15px;font-weight:400}.form-row{grid-template-columns:1fr 1fr;gap:18px;display:grid}.fg{margin-bottom:22px}.fg label{letter-spacing:1.5px;text-transform:uppercase;color:var(--gray);margin-bottom:8px;font-size:10px;font-weight:700;display:block}.fg input,.fg select,.fg textarea{background:var(--cream);border:1.5px solid var(--gray-light);width:100%;color:var(--text);border-radius:10px;outline:none;padding:13px 16px;font-family:Montserrat,sans-serif;font-size:15px;font-weight:500;transition:all .25s}.fg input::placeholder,.fg textarea::placeholder{color:#b0bccc;font-weight:400}.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--navy);background:var(--white);box-shadow:0 0 0 3px #1a3a5c0f}.fg textarea{resize:vertical;min-height:110px}.form-btn{background:var(--navy);color:#fff;letter-spacing:.8px;text-transform:uppercase;cursor:pointer;border:none;border-radius:30px;width:100%;padding:17px;font-family:Montserrat,sans-serif;font-size:14px;font-weight:800;transition:all .3s;box-shadow:0 6px 24px #1a3a5c33}.form-btn:hover:not(:disabled){background:var(--gold);transform:translateY(-2px);box-shadow:0 10px 32px #c09a5b59}.form-btn:disabled{cursor:not-allowed;box-shadow:none;background:#b0bccc}.form-note{color:var(--gray);text-align:center;margin-top:14px;font-size:12px;font-weight:400}.form-consent{color:var(--gray);cursor:pointer;align-items:flex-start;gap:10px;margin:8px 0 18px;font-size:12px;line-height:1.5;display:flex}.form-consent input[type=checkbox]{width:16px;height:16px;accent-color:var(--navy);cursor:pointer;flex-shrink:0;margin-top:2px}footer{background:var(--navy-dark);padding:72px 6% 32px}.footer-inner{max-width:1280px;margin:0 auto}.footer-grid{grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;margin-bottom:56px;display:grid}.footer-brand p{color:#ffffff59;max-width:280px;margin-top:20px;font-size:14px;font-weight:400;line-height:1.9}.footer-col-title{letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);margin-bottom:20px;font-size:10px;font-weight:700}.footer-col a,.footer-col .footer-text{color:#fff6;margin-bottom:12px;font-size:14px;font-weight:500;transition:color .2s;display:block}.footer-col a:hover{color:#fff}.footer-bottom{border-top:1px solid #ffffff0f;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;padding-top:28px;display:flex}.footer-bottom p{color:#fff3;font-size:13px;font-weight:400}.situations-wrap{background:radial-gradient(ellipse at 100% 0%,#c09a5b12 0%,transparent 50%),radial-gradient(ellipse at 0% 100%,#1a3a5c0a 0%,transparent 50%),var(--cream);padding:120px 6%}.situations-intro{text-align:center;max-width:1280px;margin:0 auto 72px}.situations-intro .flow-sub{margin:0 auto}.sit-grid{grid-template-columns:repeat(5,1fr);gap:20px;max-width:1280px;margin:0 auto;display:grid}.sit-card{background:var(--white);border:1px solid var(--gray-light);text-align:center;cursor:default;border-radius:16px;padding:32px 24px 28px;transition:all .35s;position:relative;overflow:hidden}.sit-card:after{content:"";background:var(--grad-gold2);transform-origin:50%;height:3px;transition:transform .35s;position:absolute;bottom:0;left:0;right:0;transform:scaleX(0)}.sit-card:hover{border-color:#c09a5b4d;transform:translateY(-6px);box-shadow:0 20px 56px #1a3a5c17}.sit-card:hover:after{transform:scaleX(1)}.sit-icon-wrap{background:linear-gradient(135deg,var(--cream2),var(--cream));border:2px solid #c09a5b33;border-radius:50%;justify-content:center;align-items:center;width:72px;height:72px;margin:0 auto 18px;font-size:30px;transition:all .35s;display:flex}.sit-card:hover .sit-icon-wrap{background:linear-gradient(135deg,var(--navy),var(--navy-dark));border-color:var(--navy)}.sit-card:hover .sit-svg path,.sit-card:hover .sit-svg rect,.sit-card:hover .sit-svg circle,.sit-card:hover .sit-svg line,.sit-card:hover .sit-svg polyline,.sit-card:hover .sit-svg polygon{stroke:#fff}.sit-card:hover .sit-svg .fill-icon{fill:#fff;stroke:none}.sit-svg{width:32px;height:32px}.sit-svg path,.sit-svg rect,.sit-svg circle,.sit-svg line,.sit-svg polyline,.sit-svg polygon{fill:none;stroke:var(--navy);stroke-width:2px;stroke-linecap:round;stroke-linejoin:round;transition:stroke .35s,fill .35s}.sit-svg .fill-icon{fill:var(--navy);stroke:none}.sit-label{color:var(--navy);font-size:14px;font-weight:700;line-height:1.3}@media(max-width:960px){.sit-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:520px){.sit-grid{grid-template-columns:repeat(2,1fr);gap:12px}.sit-card{padding:24px 16px 20px}}.underline-fast{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='8' viewBox='0 0 300 8'%3E%3Cpath d='M0,5 C50,1 100,7 150,4 C200,1 250,7 300,4' stroke='%23c09a5b' stroke-width='2.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-position:0 100%;background-repeat:no-repeat;background-size:100% 8px;padding-bottom:10px;display:inline}.about-owner-grid{grid-template-columns:1fr 1fr;align-items:center;gap:80px;max-width:1280px;margin:0 auto;display:grid}.about-photo-wrap{position:relative}.about-photo{object-fit:cover;object-position:top center;border-radius:16px;width:100%;max-height:560px;box-shadow:0 24px 64px #1a3a5c26}.about-photo-badge{background:var(--navy);color:#fff;text-align:center;border-radius:12px;padding:20px 24px;position:absolute;bottom:-20px;right:-20px;box-shadow:0 8px 32px #1a3a5c40}.about-photo-badge-num{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-family:Montserrat,sans-serif;font-size:36px;font-weight:800;line-height:1}.about-photo-badge-label{color:#fff9;letter-spacing:1.5px;text-transform:uppercase;margin-top:4px;font-size:11px;font-weight:600}.quote-section{background:radial-gradient(ellipse at 50% 50%,#c09a5b14 0%,transparent 65%),var(--cream2);padding:80px 6%;position:relative}.quote-section:before,.quote-section:after{content:"";background:linear-gradient(90deg,#0000,#c09a5b4d,#0000);height:1px;position:absolute;left:0;right:0}.quote-section:before{top:0}.quote-section:after{bottom:0}.quote-inner{text-align:center;max-width:900px;margin:0 auto}.quote-mark{color:#c09a5b26;margin-bottom:20px;font-size:120px;font-style:italic;font-weight:800;line-height:.6;display:block}.quote-text{color:var(--navy);letter-spacing:-.3px;margin-bottom:28px;font-size:clamp(18px,2.5vw,26px);font-style:italic;font-weight:600;line-height:1.6}.quote-attr{color:var(--gold);letter-spacing:1px;text-transform:uppercase;font-size:14px;font-weight:700}.values-row{grid-template-columns:repeat(4,1fr);gap:20px;max-width:1280px;margin:64px auto 0;display:grid}.val-card-new{background:var(--white);border:1px solid var(--gray-light);text-align:center;border-radius:12px;padding:32px 24px;transition:all .3s;position:relative;overflow:hidden}.val-card-new:before{content:"";background:var(--grad-gold2);height:3px;transition:transform .35s;position:absolute;bottom:0;left:0;right:0;transform:scaleX(0)}.val-card-new:hover{border-color:#c09a5b40;transform:translateY(-6px);box-shadow:0 16px 48px #1a3a5c1a}.val-card-new:hover:before{transform:scaleX(1)}.val-icon-big{margin-bottom:16px;font-size:36px;display:block}.val-card-new h4{color:var(--navy);margin-bottom:10px;font-size:16px;font-weight:800}.val-card-new p{color:var(--gray);font-size:13px;font-weight:400;line-height:1.7}.why-about-grid{grid-template-columns:repeat(3,1fr);gap:24px;max-width:1280px;margin:64px auto 0;display:grid}.why-about-card{background:var(--cream);border:1px solid #c09a5b26;border-radius:12px;padding:36px 28px;transition:all .3s}.why-about-card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 16px 48px #1a3a5c14}.why-about-num{color:#c09a5b26;margin-bottom:-8px;font-size:48px;font-weight:800;line-height:1}.why-about-icon{margin-bottom:16px;font-size:28px;display:block}.why-about-card h3{color:var(--navy);margin-bottom:10px;font-size:17px;font-weight:800}.why-about-card p{color:var(--gray);font-size:14px;font-weight:400;line-height:1.8}.promise-section{background:var(--navy);padding:100px 6%;position:relative;overflow:hidden}.promise-section:before{content:"";background:radial-gradient(at 30%,#c09a5b14,#0000 60%);position:absolute;inset:0}.promise-inner{z-index:1;max-width:1280px;margin:0 auto;position:relative}.promise-grid{grid-template-columns:1fr 1fr;align-items:center;gap:80px;display:grid}.promise-text h2{color:#fff;letter-spacing:-1px;margin-bottom:24px;font-size:clamp(28px,3.5vw,48px);font-weight:800}.promise-text h2 em{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-style:italic}.promise-text p{color:#fff9;margin-bottom:18px;font-size:16px;font-weight:400;line-height:1.9}.promise-items{flex-direction:column;gap:16px;display:flex}.promise-item{background:#ffffff0a;border:1px solid #ffffff12;border-radius:10px;align-items:flex-start;gap:16px;padding:20px 24px;transition:all .25s;display:flex}.promise-item:hover{background:#c09a5b14;border-color:#c09a5b33}.promise-check{background:var(--gold);width:32px;height:32px;color:var(--navy);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;margin-top:2px;font-size:14px;font-weight:800;display:flex}.promise-item-text h4{color:#fff;margin-bottom:4px;font-size:15px;font-weight:700}.promise-item-text p{color:#ffffff80;margin:0;font-size:13px;font-weight:400;line-height:1.6}@media(max-width:960px){.about-owner-grid,.promise-grid{grid-template-columns:1fr;gap:48px}.values-row{grid-template-columns:1fr 1fr}.why-about-grid{grid-template-columns:1fr}.about-photo-badge{bottom:-10px;right:10px}}.gold-line{background:linear-gradient(90deg,#0000,#c09a5b59,#0000);height:1px;margin:0}.reveal{opacity:0;transition:opacity .7s,transform .7s;transform:translateY(30px)}.reveal.visible{opacity:1;transform:none}.d1{transition-delay:.1s}.d2{transition-delay:.2s}.d3{transition-delay:.3s}.d4{transition-delay:.4s}.d5{transition-delay:.5s}@media(max-width:960px){.hero-inner,.why-intro,.hiw-layout,.compare-inner,.about-grid,.contact-layout,.footer-grid{grid-template-columns:1fr;gap:48px}.why-grid,.test-grid,.values-grid{grid-template-columns:1fr}.stats-row{grid-template-columns:1fr 1fr}.form-row{grid-template-columns:1fr}.hero-kpis{flex-wrap:wrap;gap:28px}.nav-links{display:none}.hamburger{display:flex}.nav-links.open{-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);background:#f4f1ebf7;flex-direction:column;gap:24px;padding:32px 6%;display:flex;position:fixed;top:72px;left:0;right:0;box-shadow:0 16px 48px #1a3a5c1a}.orbit-ring{display:none}.compare-head,.compare-row{grid-template-columns:1fr 1fr 1fr;font-size:12px}.compare-head span,.compare-row span{font-size:12px}.full-step{grid-template-columns:64px 1fr;gap:24px}.hiw-card{position:static}}#page-hiw .why-grid{grid-template-columns:1fr}#page-hiw .why-card{grid-template-columns:60px 40px 1fr;gap:24px;padding:32px 40px}#page-hiw .why-num{min-width:auto;font-size:42px}#page-hiw .why-icon{font-size:32px}#page-hiw .why-text h3{margin-bottom:8px;font-size:20px}#page-hiw .why-text p{font-size:15px;line-height:1.7}@media(max-width:960px){#page-hiw .why-card{grid-template-columns:auto auto 1fr;gap:14px;padding:24px}}.cta-ribbon{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 50%,var(--navy-dark) 100%);padding:64px 6%;position:relative;overflow:hidden}.cta-ribbon:before,.cta-ribbon:after{content:"";background:linear-gradient(90deg,#0000,#c09a5b80,#0000);height:1px;position:absolute;left:0;right:0}.cta-ribbon:before{top:0}.cta-ribbon:after{bottom:0}.cta-ribbon-inner{z-index:1;grid-template-columns:1fr auto;align-items:center;gap:48px;max-width:1280px;margin:0 auto;display:grid;position:relative}.cta-ribbon-eyebrow{letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin-bottom:12px;font-size:12px;font-weight:700}.cta-ribbon-h{color:var(--white);letter-spacing:-.5px;margin:0;font-size:clamp(24px,3vw,36px);font-weight:800;line-height:1.2}.cta-ribbon-h em{background:var(--grad-gold);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-style:italic}.cta-ribbon-btn{background:var(--gold);letter-spacing:.8px;text-transform:uppercase;white-space:nowrap;border-radius:30px;justify-content:center;align-items:center;padding:18px 32px;font-size:14px;font-weight:800;transition:all .25s;display:inline-flex;box-shadow:0 8px 24px #c09a5b4d;color:var(--navy)!important}.cta-ribbon-btn:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 12px 32px #c09a5b66}@media(max-width:960px){.cta-ribbon-inner{text-align:center;grid-template-columns:1fr;justify-items:center;gap:28px}.cta-ribbon-h br{display:none}}.crumbs{background:var(--navy-dark);color:#ffffffb3;margin-top:72px;padding:12px 6%;font-size:13px}.crumbs ol{text-align:left;flex-wrap:wrap;justify-content:flex-start;gap:8px;max-width:1280px;margin:0 auto;list-style:none;display:flex}.crumbs li+li:before{content:"/";color:var(--gold);margin-right:8px}.crumbs a{color:#ffffffd9;text-decoration:none}.crumbs a:hover,.crumbs [aria-current]{color:var(--gold-light)}.has-crumbs .page-header{margin-top:0!important}.nav-dropdown:before{content:"";height:14px;position:absolute;top:-14px;left:0;right:0}@media(max-width:960px){.nav-links.open{align-items:flex-start;max-height:calc(100vh - 72px);overflow-y:auto}.nav-item{width:100%;display:block}.nav-toggle{justify-content:space-between;width:100%;font-size:15px}.nav-dropdown{box-shadow:none;background:0 0;border:0;border-left:2px solid #c09a5b59;border-radius:0;min-width:0;margin:10px 0 0;padding:0 0 0 12px;position:static}.nav-dropdown:before{display:none}.nav-dropdown a:first-child{border-bottom:0;margin-bottom:0}}.footer-grid{grid-template-columns:1.5fr 1fr 1.25fr 1fr 1.25fr;gap:40px}@media(max-width:1100px)and (min-width:961px){.footer-grid{grid-template-columns:1fr 1fr 1fr}}@media(max-width:960px){.footer-grid{grid-template-columns:1fr 1fr;gap:32px}.footer-brand{grid-column:1/-1}}@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}.link-grid{flex-wrap:wrap;justify-content:center;display:flex}.link-grid>.link-card{flex:0 1 calc((100% - (var(--cols,4) - 1) * 20px) / var(--cols,4))}.link-card{cursor:pointer;flex-direction:column;align-items:center;text-decoration:none;display:flex}.link-card-text{color:var(--gray);margin-top:10px;font-size:13px;line-height:1.7}.link-card-cta{letter-spacing:1px;text-transform:uppercase;color:var(--gold);margin-top:auto;padding-top:16px;font-size:12px;font-weight:700}@media(max-width:960px){.link-grid{--cols:2!important}}@media(max-width:520px){.link-grid{--cols:1!important}}@media(min-width:961px){.test-grid:has(>.test-card:nth-child(2):last-child){grid-template-columns:repeat(2,1fr);max-width:860px}}.meet-nick .about-photo{max-height:440px}.offer-section .offer-form-wrap{text-align:left;z-index:1;max-width:760px;margin:0 auto;position:relative}.offer-section p{max-width:560px}#offer-form{scroll-margin-top:96px}.offer-form-wrap .form-sub{max-width:none;margin:0 0 36px;font-size:15px;line-height:1.6}.offer-form-wrap .form-note{max-width:none;margin:14px 0 0;font-size:12px;line-height:1.6}.text-link{color:var(--navy);text-decoration:underline;-webkit-text-decoration-color:var(--gold);text-decoration-color:var(--gold);text-underline-offset:3px;font-weight:700}.text-link:hover{color:var(--gold)}.flow-sub strong,.why-text strong{color:var(--navy);font-weight:700}.hood-area{letter-spacing:2px;text-transform:uppercase;max-width:1280px;color:var(--navy);margin:0 auto 14px;font-size:13px;font-weight:700}.why-text h4.hood-name{color:var(--navy);margin-bottom:3px;font-size:14px;font-weight:700}@media(min-width:961px){.test-grid:has(>.test-card:only-child){grid-template-columns:1fr;max-width:620px}}.hood-grid{background:0 0;border-radius:0;gap:12px;overflow:visible}.hood-grid .why-card{border:1px solid var(--gray-light);border-radius:12px}@media(max-width:768px){.compare-scroll{-webkit-overflow-scrolling:touch;margin-left:-4px;margin-right:-4px;padding:0 4px 8px;overflow-x:auto}.compare-scroll .compare-table{min-width:760px}}