:root{--navy:#16324f;--cream:#f7f4ee;--sage:#8faf9b;--forest:#244c3a;--clay:#b66a4b;--amber:#d99a32;--slate:#5f7f95;--stone:#e6e2da;--mist:#eef2f4;--charcoal:#333a40;--espresso:#2c241e;--navy-soft:#4a6075;--sage-tint:#e6ede8;--amber-deep:#c2851f;--line:#16324f1a}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{background:var(--cream);color:var(--charcoal);-webkit-font-smoothing:antialiased;font-family:Sora,sans-serif;line-height:1.6;overflow-x:hidden}.wrap{max-width:1180px;margin:0 auto;padding:0 32px}nav{z-index:50;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);background:#f7f4eedb;position:sticky;top:0}.nav-inner{justify-content:space-between;align-items:center;height:80px;display:flex}.logo img{width:auto;height:38px;display:block}.nav-links{align-items:center;gap:38px;display:flex}.nav-links a{color:var(--navy-soft);font-size:15px;font-weight:400;text-decoration:none;transition:color .2s}.nav-links a:hover{color:var(--navy)}.nav-phone{color:var(--forest)!important;font-weight:500!important}.nav-phone:hover{color:var(--navy)!important}.nav-cta{background:var(--navy);cursor:pointer;border:none;border-radius:999px;padding:11px 22px;font-family:Sora,sans-serif;font-size:14.5px;font-weight:500;transition:transform .2s,background .2s;color:var(--cream)!important}.nav-cta:hover{background:var(--forest);transform:translateY(-1px)}.nav-links a.active{color:var(--navy);font-weight:500}@media (max-width:860px){.nav-links a:not(.nav-cta):not(.nav-phone){display:none}.nav-links{gap:12px}.nav-inner{height:68px}.logo img{height:32px}.nav-phone{white-space:nowrap;padding:8px 4px;font-size:14px!important}.nav-cta{text-align:center;white-space:nowrap;padding:9px 16px;font-size:13.5px}}@media (max-width:480px){.nav-phone{background:var(--sage-tint);border-radius:50%;place-items:center;width:38px;height:38px;padding:9px;display:grid;font-size:0!important}.nav-phone:before{content:"";background:var(--forest);width:18px;height:18px;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72c.13.96.36 1.9.7 2.81a2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45c.91.34 1.85.57 2.81.7A2 2 0 0 1 22 16.92z'/%3E%3C/svg%3E") 50%/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72c.13.96.36 1.9.7 2.81a2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45c.91.34 1.85.57 2.81.7A2 2 0 0 1 22 16.92z'/%3E%3C/svg%3E") 50%/contain no-repeat}.trust-strip{display:none}}.hero{padding:96px 0 110px;position:relative}.hero-grid{grid-template-columns:1.15fr .85fr;align-items:center;gap:56px;display:grid}.eyebrow{letter-spacing:.05em;text-transform:uppercase;color:var(--forest);background:var(--sage-tint);border-radius:999px;align-items:center;gap:9px;margin-bottom:28px;padding:7px 15px;font-size:13px;font-weight:500;display:inline-flex}.eyebrow .dot{background:var(--sage);border-radius:50%;width:7px;height:7px}h1.hero-h1{letter-spacing:-.02em;color:var(--navy);margin-bottom:26px;font-family:Fraunces,serif;font-size:clamp(40px,5.4vw,64px);font-weight:500;line-height:1.04}h1.hero-h1 em{color:var(--clay);font-style:italic}.hero-sub{color:var(--navy-soft);max-width:510px;margin-bottom:38px;font-size:19px;line-height:1.62}.hero-cta-row{flex-wrap:wrap;align-items:center;gap:22px;display:flex}.btn-primary{background:var(--amber);color:var(--navy);cursor:pointer;border:none;border-radius:999px;padding:16px 30px;font-family:Sora,sans-serif;font-size:16px;font-weight:600;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s;display:inline-block;box-shadow:0 12px 28px -12px #d99a328c}.btn-primary:hover{background:var(--amber-deep);transform:translateY(-2px)}.hero-fineprint{color:var(--navy-soft);font-size:14.5px}.hero-fineprint strong{color:var(--forest);font-weight:600}.hero-contact{border-top:1px solid var(--line);flex-wrap:wrap;gap:26px;margin-top:30px;padding-top:26px;display:flex}.hero-contact a{color:var(--navy);align-items:center;gap:9px;font-size:15px;font-weight:500;text-decoration:none;transition:color .2s;display:inline-flex}.hero-contact a:hover{color:var(--clay)}.hero-contact svg{width:17px;height:17px;stroke:var(--sage)}.hero-visual{position:relative}.visual-card{background:var(--navy);border-radius:22px;padding:34px;position:relative;overflow:hidden;box-shadow:0 30px 60px -24px #16324f73}.visual-card:before{content:"";background:radial-gradient(120% 90% at 85% 10%,#8faf9b38,#0000 55%);position:absolute;inset:0}.vc-label{color:var(--sage);letter-spacing:.07em;text-transform:uppercase;margin-bottom:18px;font-size:12.5px;position:relative}.vc-amount{color:#f7f4ee8c;font-family:Fraunces,serif;font-size:15px;position:relative}.vc-strike{text-decoration:line-through;-webkit-text-decoration-color:var(--clay);text-decoration-color:var(--clay)}.vc-big{color:var(--cream);letter-spacing:-.01em;margin-top:6px;font-family:Fraunces,serif;font-size:44px;font-weight:600;line-height:1.1;position:relative}.vc-row{align-items:baseline;gap:14px;margin-top:12px;display:flex;position:relative}.vc-gain{color:var(--sage);background:#8faf9b29;border-radius:999px;padding:5px 12px;font-size:14px;font-weight:500}.vc-divider{background:#f7f4ee1f;height:1px;margin:26px 0;position:relative}.vc-step{align-items:center;gap:14px;margin-bottom:16px;display:flex;position:relative}.vc-step:last-child{margin-bottom:0}.vc-check{background:var(--sage);border-radius:50%;flex-shrink:0;place-items:center;width:26px;height:26px;display:grid}.vc-check svg{width:14px;height:14px}.vc-step span{color:#f7f4eed1;font-size:14.5px}.float-tag{background:var(--cream);border-radius:14px;align-items:center;gap:12px;padding:14px 18px;display:flex;position:absolute;bottom:-40px;left:-26px;box-shadow:0 18px 40px -16px #16324f66}.float-tag .ft-icon{background:var(--sage-tint);border-radius:9px;place-items:center;width:34px;height:34px;display:grid}.float-tag .ft-text{font-size:13px;line-height:1.35}.float-tag .ft-text b{color:var(--navy);font-size:13.5px;font-weight:600;display:block}.float-tag .ft-text small{color:var(--navy-soft)}@media (max-width:880px){.hero-grid{grid-template-columns:1fr;gap:64px}.hero{padding:60px 0 80px}.float-tag{left:0}}.trust-strip{background:var(--navy);padding:22px 0}.trust-inner{flex-wrap:wrap;justify-content:center;align-items:center;gap:14px 44px;display:flex}.trust-item{color:#f7f4eed9;align-items:center;gap:10px;font-size:14.5px;display:flex}.trust-item svg{width:18px;height:18px;stroke:var(--sage);flex-shrink:0}.helpwhen{padding:100px 0}.section-head{max-width:640px;margin-bottom:64px}.section-eyebrow{letter-spacing:.07em;text-transform:uppercase;color:var(--clay);margin-bottom:16px;font-size:15px;font-weight:600}h2.section-h2{letter-spacing:-.015em;color:var(--navy);font-family:Fraunces,serif;font-size:clamp(30px,3.6vw,42px);font-weight:500;line-height:1.12}.help-grid{grid-template-columns:1fr 1fr;gap:30px 48px;display:grid}.help-item{border-top:1px solid var(--line);padding-top:26px}.help-quote{color:var(--forest);margin-bottom:14px;font-family:Fraunces,serif;font-size:21px;font-style:italic;line-height:1.35}.help-answer{color:var(--navy-soft);font-size:16px;line-height:1.6}@media (max-width:760px){.help-grid{grid-template-columns:1fr;gap:10px 0}.helpwhen{padding:70px 0}.help-answer{display:none}.help-item{padding-top:20px}.help-quote{margin-bottom:0;font-size:19px}}.help-reassure{text-align:center;flex-direction:column;align-items:center;gap:22px;margin-top:56px;display:flex}.help-reassure p{color:var(--forest);max-width:620px;font-family:Fraunces,serif;font-size:clamp(20px,2.4vw,25px);font-style:italic;line-height:1.4}.btn-reassure{color:var(--forest);border:1.5px solid var(--sage);cursor:pointer;background:0 0;border-radius:999px;padding:13px 28px;font-family:Sora,sans-serif;font-size:15.5px;font-weight:600;text-decoration:none;transition:background .2s,color .2s,border-color .2s,transform .2s;display:inline-block}.btn-reassure:hover{background:var(--forest);border-color:var(--forest);color:var(--cream);transform:translateY(-2px)}@media (max-width:600px){.help-reassure{gap:18px;margin-top:38px}}.claims{background:var(--mist);border-top:1px solid var(--line);padding:104px 0}.claims .section-head{max-width:680px}.claims-sub{color:var(--navy-soft);margin-top:16px;font-size:17px;line-height:1.6}.claims-grid{grid-template-columns:repeat(5,1fr);gap:16px;margin-top:56px;display:grid}.claim-tile{background:var(--cream);border:1px solid var(--line);border-radius:15px;flex-direction:column;gap:14px;padding:24px 20px;transition:transform .25s,box-shadow .25s,border-color .25s;display:flex}.claim-tile:hover{border-color:var(--sage);transform:translateY(-4px);box-shadow:0 18px 36px -22px #16324f66}.claim-ic{border-radius:12px;place-items:center;width:48px;height:48px;transition:transform .25s;display:grid}.claim-tile:hover .claim-ic{transform:scale(1.08)rotate(-3deg)}.claim-ic svg{width:25px;height:25px}.ci-clay{background:#b66a4b29}.ci-clay svg{stroke:var(--clay)}.ci-slate{background:#5f7f9529}.ci-slate svg{stroke:var(--slate)}.ci-sage{background:var(--sage-tint)}.ci-sage svg{stroke:var(--forest)}.ci-amber{background:#d99a322e}.ci-amber svg{stroke:var(--amber-deep)}.ci-navy{background:#16324f1a}.ci-navy svg{stroke:var(--navy)}.ci-forest{background:#244c3a1f}.ci-forest svg{stroke:var(--forest)}.claim-tile span{color:var(--navy);font-size:14.5px;font-weight:500;line-height:1.35}@media (max-width:980px){.claims-grid{grid-template-columns:repeat(3,1fr)}}@media (max-width:620px){.claims-grid{grid-template-columns:repeat(2,1fr)}.claims{padding:70px 0}.hide-narrow{display:none}}.stages-band{background:var(--navy);text-align:center;border-radius:16px;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px 32px;margin-top:44px;padding:26px 36px;display:flex}.stages-label{color:var(--cream);font-family:Fraunces,serif;font-size:18px;font-weight:500}.stages-items{flex-wrap:wrap;justify-content:center;align-items:center;gap:16px;display:flex}.stages-items>span{color:var(--sage);letter-spacing:.01em;font-size:15px;font-weight:500}.stages-sep{color:#8faf9b73!important;font-weight:300!important}.process{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:104px 0}.proc-layout{grid-template-columns:.82fr 1.18fr;align-items:start;gap:64px;display:grid}.proc-intro p{color:var(--navy-soft);max-width:360px;margin-top:22px;font-size:17px;line-height:1.65}.proc-anystage{border-left:3px solid var(--sage);padding-left:16px;font-family:Fraunces,serif;font-style:italic;color:var(--forest)!important;margin-top:18px!important;font-size:18px!important;line-height:1.5!important}.proc-reassure{background:var(--sage-tint);color:var(--forest);border-radius:14px;margin-top:28px;padding:20px 22px;font-size:15px;line-height:1.55}.proc-reassure b{font-weight:600}.proc-step{grid-template-columns:54px 1fr;gap:22px;padding:4px 0 30px;display:grid;position:relative}.proc-step:last-child{padding-bottom:4px}.proc-step:before{content:"";background:var(--sage);opacity:.28;width:2px;transition:opacity .3s;position:absolute;top:56px;bottom:0;left:26px}.proc-step:last-child:before{display:none}.proc-num{background:var(--mist);border:2px solid var(--sage);width:54px;height:54px;color:var(--forest);z-index:1;border-radius:50%;place-items:center;font-family:Fraunces,serif;font-size:22px;font-weight:600;transition:background .3s,color .3s,border-color .3s,transform .3s,box-shadow .3s;display:grid}.proc-body{transition:transform .3s}.proc-body h3{color:var(--navy);margin-bottom:7px;padding-top:11px;font-family:Fraunces,serif;font-size:21px;font-weight:600;transition:color .25s}.proc-body p{color:var(--navy-soft);font-size:15.5px;line-height:1.6;transition:color .25s}.proc-step:hover .proc-num{background:var(--forest);border-color:var(--forest);color:var(--cream);transform:scale(1.06);box-shadow:0 10px 24px -8px #244c3a73}.proc-step:hover .proc-body{transform:translate(6px)}.proc-step:hover .proc-body h3{color:var(--forest)}.proc-step:hover:before{opacity:.6}@media (max-width:820px){.proc-layout{grid-template-columns:1fr;gap:44px}.process{padding:70px 0}}@media (max-width:760px){.proc-body p,.proc-reassure{display:none}.proc-step{padding:4px 0 22px}.proc-body h3{margin-bottom:0}.proc-anystage{font-size:16px!important}}.why{padding:110px 0}.why-feature{grid-template-columns:1fr 1fr;gap:30px;margin-top:56px;display:grid}.why-hero-card{background:var(--navy);color:var(--cream);border-radius:20px;flex-direction:column;justify-content:flex-start;gap:28px;min-height:auto;padding:40px 38px;display:flex;position:relative;overflow:hidden}.why-hero-card:after{content:"";background:radial-gradient(circle,#8faf9b42,#0000 70%);border-radius:50%;width:260px;height:260px;position:absolute;bottom:-70px;right:-70px}.why-hero-card .wh-icon{background:#8faf9b2e;border-radius:15px;place-items:center;width:56px;height:56px;margin-bottom:24px;display:grid;position:relative}.why-hero-card .wh-icon svg{width:30px;height:30px;stroke:var(--sage)}.why-hero-card h3{letter-spacing:-.01em;margin-bottom:16px;font-family:Fraunces,serif;font-size:29px;font-weight:500;line-height:1.18;position:relative}.why-hero-card p{color:#f7f4eed1;font-size:16px;line-height:1.65;position:relative}.why-hero-foot{color:var(--sage);border-top:1px solid #f7f4ee29;align-items:center;gap:10px;margin-top:auto;padding-top:22px;font-size:15px;font-weight:500;display:flex;position:relative}.why-hero-foot svg{width:18px;height:18px;stroke:var(--sage);flex-shrink:0}.why-small{background:var(--cream);border:1px solid var(--line);border-radius:20px;padding:34px;transition:transform .25s,box-shadow .25s}.why-small:hover{transform:translateY(-3px);box-shadow:0 22px 44px -28px #16324f52}.why-small .ws-icon{border-radius:13px;place-items:center;width:50px;height:50px;margin-bottom:20px;display:grid}.why-small .ws-icon svg{width:25px;height:25px}.ic-clay{color:var(--clay);background:#b66a4b24}.ic-amber{color:var(--amber-deep);background:#d99a3229}.ic-sage{background:var(--sage-tint);color:var(--forest)}.why-small h3{color:var(--navy);margin-bottom:11px;font-family:Fraunces,serif;font-size:21px;font-weight:600;line-height:1.2}.why-small p{color:var(--navy-soft);font-size:15.5px;line-height:1.6}@media (max-width:820px){.why-feature{grid-template-columns:1fr}.why-hero-card{grid-row:auto;min-height:auto}.why{padding:70px 0}}@media (max-width:600px){.why-hero-card{gap:22px;padding:32px 28px}.why-hero-card .wh-icon{width:50px;height:50px;margin-bottom:18px}.why-hero-card h3{margin-bottom:12px;font-size:26px}.why-hero-card p{font-size:15.5px;line-height:1.6}.why-hero-foot{padding-top:18px}.why-small{padding:26px 24px}.why-small .ws-icon{width:44px;height:44px;margin-bottom:14px}.closing{padding:48px 0}.closing h2{margin-bottom:14px;font-size:26px}.closing p{margin-bottom:26px;font-size:15.5px;line-height:1.55}.closing .fine{margin-top:16px;font-size:13px}footer{padding:32px 0}.foot-inner{gap:16px}.foot-contact{gap:3px}}.teaser{background:var(--cream);padding:100px 0}.teaser-head{flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:48px;display:flex}.teaser-head h2{letter-spacing:-.015em;color:var(--navy);font-family:Fraunces,serif;font-size:clamp(28px,3.4vw,40px);font-weight:500;line-height:1.12}.teaser-all{color:var(--forest);white-space:nowrap;align-items:center;gap:7px;font-size:15px;font-weight:600;text-decoration:none;display:inline-flex}.teaser-grid{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}.teaser-card{background:var(--mist);border:1px solid var(--line);border-radius:16px;flex-direction:column;padding:28px 26px;text-decoration:none;transition:transform .25s,box-shadow .25s;display:flex}.teaser-card:hover{transform:translateY(-4px);box-shadow:0 22px 44px -28px #16324f59}.teaser-tag{letter-spacing:.04em;text-transform:uppercase;background:var(--sage-tint);color:var(--forest);border-radius:999px;align-self:flex-start;margin-bottom:16px;padding:5px 11px;font-size:11.5px;font-weight:600}.teaser-card h3{color:var(--navy);font-family:Fraunces,serif;font-size:20px;font-weight:600;line-height:1.25}@media (max-width:820px){.teaser-grid{grid-template-columns:1fr}.teaser{padding:70px 0}}.article-hero{padding:56px 0 8px}.article-hero .eyebrow,.essay-hero .eyebrow,.blogindex-hero .eyebrow{letter-spacing:.06em;text-transform:uppercase;color:var(--clay);margin-bottom:14px;font-size:13px;font-weight:600;display:inline-block}.article-hero h1{letter-spacing:-.02em;color:var(--navy);max-width:22ch;margin-bottom:16px;font-family:Fraunces,serif;font-size:clamp(30px,4.4vw,47px);font-weight:500;line-height:1.1}.article-hero .dek{color:var(--navy-soft);max-width:46ch;margin-bottom:22px;font-family:Fraunces,serif;font-size:clamp(18px,2.2vw,22px);font-style:italic;line-height:1.45}.article-meta{color:var(--slate);border-top:1px solid var(--line);flex-wrap:wrap;align-items:center;gap:8px 16px;padding-top:18px;font-size:14px;display:flex}.article-meta .dot{color:var(--sage)}.layout{grid-template-columns:210px minmax(0,1fr) 262px;align-items:start;gap:48px;padding:32px 0 80px;display:grid}.toc{font-size:14.5px;position:sticky;top:100px}.toc-title{letter-spacing:.12em;text-transform:uppercase;color:var(--slate);margin-bottom:12px;font-size:12px;font-weight:600}.toc ol{counter-reset:toc;list-style:none}.toc li{margin-bottom:2px}.toc a{color:var(--navy-soft);border-left:2px solid var(--line);padding:6px 0 6px 14px;line-height:1.35;text-decoration:none;transition:color .2s,border-color .2s;display:block}.toc a:hover{color:var(--forest);border-color:var(--sage)}.article{max-width:44rem}.article .lead{color:var(--navy);margin-bottom:22px;font-family:Sora,sans-serif;font-size:20px;line-height:1.55}.article p{color:var(--charcoal);margin-bottom:22px;font-size:18px;line-height:1.75}.article h2{letter-spacing:-.01em;color:var(--navy);margin:40px 0 15px;scroll-margin-top:100px;font-family:Fraunces,serif;font-size:clamp(23px,2.6vw,29px);font-weight:600;line-height:1.22}.article h2:first-of-type{margin-top:12px}.article ul,.article ol{margin:0 0 22px 4px;padding-left:22px}.article li{color:var(--charcoal);margin-bottom:9px;padding-left:4px;font-size:18px;line-height:1.7}.article strong{color:var(--navy);font-weight:600}.cta-rail{position:sticky;top:100px}.cta-card{background:var(--navy);color:var(--cream);border-radius:16px;padding:26px 24px;box-shadow:0 24px 48px -30px #16324f80}.cta-card h3{color:var(--cream);margin-bottom:10px;font-family:Fraunces,serif;font-size:21px;font-weight:500}.cta-card p{color:#f7f4eecc;margin-bottom:18px;font-size:14.5px;line-height:1.55}.cta-card .btn-rail{text-align:center;background:var(--amber);width:100%;color:var(--navy);cursor:pointer;border:none;border-radius:999px;padding:13px;font-family:Sora,sans-serif;font-size:15px;font-weight:600;text-decoration:none;transition:background .2s,transform .2s;display:block}.cta-card .btn-rail:hover{background:var(--amber-deep);transform:translateY(-2px)}.cta-card .fineprint{color:#f7f4ee8c;margin-top:12px;margin-bottom:0;font-size:12.5px;line-height:1.5}.cta-callout{background:var(--forest);color:var(--cream);border-radius:18px;max-width:44rem;margin:44px 0 8px;padding:38px 36px;position:relative;overflow:hidden}.cta-callout:after{content:"";background:radial-gradient(circle,#8faf9b3d,#0000 70%);border-radius:50%;width:220px;height:220px;position:absolute;bottom:-60px;right:-60px}.cta-callout .eyebrow{letter-spacing:.06em;text-transform:uppercase;color:var(--sage);margin-bottom:12px;font-size:13px;font-weight:600;display:inline-block;position:relative}.cta-callout p{color:var(--cream);max-width:46ch;margin-bottom:24px;font-family:Fraunces,serif;font-size:22px;font-style:italic;line-height:1.5;position:relative}.cta-callout .actions{flex-wrap:wrap;align-items:center;gap:14px;display:flex;position:relative}.cta-callout .btn-callout{background:var(--amber);color:var(--navy);cursor:pointer;border:none;border-radius:999px;padding:14px 28px;font-family:Sora,sans-serif;font-size:16px;font-weight:600;text-decoration:none;transition:background .2s,transform .2s;display:inline-block}.cta-callout .btn-callout:hover{background:var(--amber-deep);transform:translateY(-2px)}.figure{margin:32px 0}.figure img{border-radius:14px;width:100%;height:auto;box-shadow:0 20px 44px -28px #16324f66}.figure figcaption{color:var(--slate);border-left:2px solid var(--sage-tint);margin-top:12px;padding-left:14px;font-size:14.5px;font-style:italic;line-height:1.5}.essay{max-width:46rem;margin:0 auto}.essay-hero{padding:56px 0 4px}.essay-hero h1{letter-spacing:-.02em;color:var(--navy);margin:8px 0;font-family:Fraunces,serif;font-size:clamp(30px,4.6vw,48px);font-weight:500;line-height:1.12}.byline{color:var(--navy-soft);margin-top:6px;font-size:15px}.byline strong{color:var(--navy);font-weight:600}.essay .article{max-width:100%}.blogindex-hero{padding:72px 0 12px}.blogindex-hero h1{letter-spacing:-.02em;color:var(--navy);max-width:20ch;margin-bottom:18px;font-family:Fraunces,serif;font-size:clamp(34px,5vw,54px);font-weight:500;line-height:1.1}.blogindex-hero p{color:var(--navy-soft);max-width:54ch;font-size:19px;line-height:1.55}.section-title{letter-spacing:.02em;color:var(--navy-soft);margin:46px 0 22px;font-family:Sora,sans-serif;font-size:15px;font-weight:600}.card-grid{grid-template-columns:repeat(3,1fr);gap:24px;padding-bottom:40px;display:grid}.gcard{background:var(--cream);border:1px solid var(--line);border-radius:18px;flex-direction:column;padding:30px 28px;text-decoration:none;transition:transform .25s,box-shadow .25s,border-color .25s;display:flex}.gcard:hover{border-color:var(--sage);transform:translateY(-5px);box-shadow:0 26px 50px -30px #16324f66}.gcard .tag{letter-spacing:.05em;text-transform:uppercase;color:var(--forest);background:var(--sage-tint);border-radius:999px;align-self:flex-start;margin-bottom:18px;padding:5px 11px;font-size:11.5px;font-weight:600}.gcard h3{color:var(--navy);letter-spacing:-.01em;margin-bottom:12px;font-family:Fraunces,serif;font-size:22px;font-weight:600;line-height:1.22}.gcard p{color:var(--navy-soft);flex-grow:1;margin-bottom:18px;font-size:15px;line-height:1.55}.gcard .more{color:var(--forest);margin-top:auto;font-size:14.5px;font-weight:600}.gcard.featured{background:var(--navy);border-color:var(--navy);grid-column:1/-1;grid-template-columns:1.1fr 1fr;gap:0;padding:0;display:grid;overflow:hidden}.gcard.featured:hover{transform:none;box-shadow:0 26px 50px -30px #16324f8c}.gcard.featured .featured-body{flex-direction:column;padding:42px 40px;display:flex}.gcard.featured .tag{color:var(--sage);background:#8faf9b2e}.gcard.featured h3{color:var(--cream);max-width:20ch;font-size:28px}.gcard.featured p{color:#f7f4eec7;max-width:44ch;font-size:16px}.gcard.featured .more{color:var(--amber)}.gcard.featured .featured-art{background:repeating-linear-gradient(45deg,#1c3a56 0 16px,#21405e 16px 32px);justify-content:center;align-items:stretch;min-height:260px;display:flex;position:relative;overflow:hidden}.gcard.featured .featured-art img{object-fit:cover;width:100%;height:100%;min-height:260px;display:block}@media (max-width:980px){.layout{grid-template-columns:1fr;gap:24px}.toc{display:none}.cta-rail{order:3;position:static}.card-grid{grid-template-columns:1fr 1fr}.gcard.featured{grid-template-columns:1fr}.gcard.featured .featured-art{order:-1;min-height:180px}.gcard.featured .featured-art img{min-height:180px}}@media (max-width:620px){.article .lead{font-size:18px}.article p,.article li{font-size:17px}.card-grid{grid-template-columns:1fr}.cta-callout{padding:28px 24px}.cta-callout p{font-size:20px}.article-hero,.essay-hero,.blogindex-hero{padding-top:40px}}.closing{background:var(--forest);color:var(--cream);text-align:center;padding:104px 0}.closing h2{letter-spacing:-.015em;max-width:720px;margin:0 auto 20px;font-family:Fraunces,serif;font-size:clamp(30px,4vw,46px);font-weight:500;line-height:1.12}.closing p{color:#f7f4eed1;max-width:580px;margin:0 auto 36px;font-size:18px;line-height:1.6}.closing .btn-primary{box-shadow:0 14px 32px -12px #0006}.closing .fine{color:#f7f4ee99;margin-top:22px;font-size:14.5px}footer{background:var(--espresso);color:#f7f4ee8c;padding:50px 0;font-size:14px}.foot-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;display:flex}.foot-logo img{filter:brightness(0)invert()opacity(.92);width:auto;height:34px}.foot-contact{text-align:center;flex-direction:column;gap:4px;display:flex}.foot-contact a{color:#f7f4eecc;text-decoration:none;transition:color .2s}.foot-contact a:hover{color:var(--amber)}.foot-contact span{color:#f7f4ee80;margin-top:4px;font-size:13px}.modal-overlay{-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);z-index:100;opacity:0;visibility:hidden;background:#16324f8c;justify-content:center;align-items:flex-start;padding:40px 20px;transition:opacity .28s,visibility .28s;display:flex;position:fixed;inset:0;overflow-y:auto}.modal-overlay.open{opacity:1;visibility:visible}.modal{background:var(--cream);border-radius:22px;width:100%;max-width:540px;margin:auto;transition:transform .32s cubic-bezier(.2,.8,.25,1);position:relative;overflow:hidden;transform:translateY(16px)scale(.98);box-shadow:0 40px 90px -30px #16324f99}.modal-overlay.open .modal{transform:translateY(0)scale(1)}.modal-head{background:var(--navy);padding:30px 86px 30px 36px;position:relative;overflow:hidden}.modal-head:after{content:"";background:radial-gradient(circle,#8faf9b47,#0000 70%);border-radius:50%;width:180px;height:180px;position:absolute;top:-50px;right:-50px}.modal-head h3{color:var(--cream);letter-spacing:-.01em;font-family:Fraunces,serif;font-size:26px;font-weight:500;line-height:1.15;position:relative}.modal-head p{color:#f7f4eec7;margin-top:8px;font-size:14.5px;position:relative}.modal-close{width:34px;height:34px;color:var(--cream);cursor:pointer;z-index:2;background:#f7f4ee24;border:none;border-radius:50%;place-items:center;font-size:20px;line-height:1;transition:background .2s;display:grid;position:absolute;top:20px;right:20px}.modal-close:hover{background:#f7f4ee47}.modal-close-success{color:var(--navy);background:#16324f14}.modal-close-success:hover{background:#16324f24}.modal-body{padding:30px 36px 36px}.field{margin-bottom:18px}.field label{color:var(--navy);margin-bottom:7px;font-size:13.5px;font-weight:500;display:block}.field label .opt{color:var(--navy-soft);font-weight:400}.field input,.field select,.field textarea{width:100%;color:var(--charcoal);background:var(--cream);border:1.5px solid var(--line);border-radius:11px;outline:none;padding:12px 14px;font-family:Sora,sans-serif;font-size:15px;transition:border-color .2s,box-shadow .2s}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--sage);box-shadow:0 0 0 3px #8faf9b38}.field input.err,.field select.err{border-color:var(--clay)}.field textarea{resize:vertical;min-height:80px}.field-row{grid-template-columns:1fr 1fr;gap:14px;display:grid}.stage-toggle{grid-template-columns:repeat(3,1fr);gap:8px;display:grid}.stage-toggle label{margin:0;display:block}.stage-toggle input{opacity:0;pointer-events:none;position:absolute}.stage-toggle span{text-align:center;color:var(--navy-soft);border:1.5px solid var(--line);cursor:pointer;border-radius:11px;padding:11px 6px;font-size:13px;font-weight:500;transition:all .18s;display:block}.stage-toggle input:checked+span{background:var(--forest);border-color:var(--forest);color:var(--cream)}.stage-toggle span:hover{border-color:var(--sage)}.modal-submit{background:var(--amber);width:100%;color:var(--navy);cursor:pointer;border:none;border-radius:999px;margin-top:8px;padding:15px;font-family:Sora,sans-serif;font-size:16px;font-weight:600;transition:background .2s,transform .15s}.modal-submit:hover{background:var(--amber-deep);transform:translateY(-1px)}.modal-submit:disabled{opacity:.7;cursor:default;transform:none}.modal-error{text-align:center;color:var(--clay);margin-top:12px;font-size:13.5px;line-height:1.45}.modal-fine{text-align:center;color:var(--navy-soft);margin-top:14px;font-size:12.5px;line-height:1.5}.modal-success{text-align:center;padding:56px 40px}.modal-success .ms-check{background:var(--sage-tint);border-radius:50%;place-items:center;width:64px;height:64px;margin:0 auto 22px;display:grid}.modal-success .ms-check svg{width:32px;height:32px;stroke:var(--forest)}.modal-success h3{color:var(--navy);margin-bottom:12px;font-family:Fraunces,serif;font-size:26px;font-weight:500}.modal-success p{color:var(--navy-soft);max-width:360px;margin:0 auto;font-size:15.5px;line-height:1.6}.modal-success .ms-contact{color:var(--forest);margin-top:22px;font-size:14.5px;font-weight:500}body.modal-open{overflow:hidden}@media (max-width:520px){.modal-head{padding-left:24px;padding-right:76px}.modal-body{padding-left:24px;padding-right:24px}.field-row{grid-template-columns:1fr}}