:root{
    --navy:#0E3D73;--navy-deep:#0A2A4E;--navy-700:#123f70;--gold:#C8A24B;--gold-soft:#E7D3A1;
    --ink:#16202E;--slate:#4C5A6E;--slate-light:#6B7A8F;--bg:#FFFFFF;--bg-alt:#F4F7FB;--line:#E4EAF1;
    --radius:16px;--shadow:0 18px 40px -18px rgba(14,61,115,.28);--shadow-sm:0 8px 22px -12px rgba(14,61,115,.25);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
  html,body{overflow-x:hidden;max-width:100%}
  img{max-width:100%}
  .sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
  .faq{display:flex;flex-direction:column;gap:12px}
  .faq details{background:#fff;border:1px solid var(--line);border-radius:12px;transition:.2s}
  .faq details[open]{box-shadow:var(--shadow-sm);border-color:transparent}
  .faq summary{cursor:pointer;list-style:none;padding:18px 22px;font-weight:600;color:var(--navy-deep);font-size:1.02rem;display:flex;justify-content:space-between;align-items:center;gap:14px}
  .faq summary::-webkit-details-marker{display:none}
  .faq summary::after{content:"+";font-size:1.5rem;color:var(--gold);font-weight:400;line-height:1}
  .faq details[open] summary::after{content:"–"}
  .faq .faq-a{padding:0 22px 20px;color:var(--slate);font-size:.97rem;line-height:1.65}
  h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;color:var(--navy-deep);line-height:1.12;font-weight:600;letter-spacing:-.01em}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:1180px;margin:0 auto;padding:0 28px}
  .eyebrow{font-family:'Inter';font-weight:600;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
  .btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;font-size:.95rem;padding:.85rem 1.5rem;border-radius:999px;transition:.2s;cursor:pointer;border:1.5px solid transparent}
  .btn-gold{background:var(--gold);color:#33280c}
  .btn-gold:hover{background:#d3b263;transform:translateY(-1px)}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{background:var(--navy-700);transform:translateY(-1px)}
  .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
  .btn-ghost:hover{background:rgba(255,255,255,.12)}
  .btn-outline{background:#fff;color:var(--navy);border-color:var(--line)}
  .btn-outline:hover{border-color:var(--gold);color:var(--navy-deep)}

  header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
  .nav-inner{display:flex;align-items:center;justify-content:space-between;height:106px}
  .brand{display:flex;align-items:center;gap:.6rem;cursor:pointer}
  .brand img{height:84px;width:auto;display:block}
  @media(max-width:600px){.nav-inner{height:84px}.brand img{height:60px}}
  .navlinks{display:flex;align-items:center;gap:1.35rem}
  .navlinks a{font-weight:500;font-size:.92rem;color:var(--slate);transition:.15s;cursor:pointer;padding:.2rem 0;border-bottom:2px solid transparent;white-space:nowrap}
  .navlinks a:hover{color:var(--navy)}
  .navlinks a.cur{color:var(--navy-deep);border-bottom-color:var(--gold)}
  .nav-cta{display:flex;align-items:center;gap:.75rem}
  .navtoggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;padding:0 11px}
  .navtoggle span{display:block;height:2px;width:100%;background:var(--navy-deep);border-radius:2px;transition:.25s}
  .navtoggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .navtoggle.open span:nth-child(2){opacity:0}
  .navtoggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  @media(max-width:1080px){
    .navtoggle{display:flex}
    .nav-cta .phone{display:none}
    .navlinks{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:4px 0}
    .navlinks.open{display:flex}
    .navlinks a{padding:.9rem 28px;font-size:1rem;border-bottom:1px solid var(--line);white-space:normal}
    .navlinks a:last-child{border-bottom:0}
    .navlinks a.cur{border-bottom-color:var(--line);background:var(--bg-alt)}
  }
  @keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}

  /* HERO */
  .hero{position:relative;background:linear-gradient(150deg,#0A2A4E 0%,#0E3D73 55%,#134a86 100%);color:#fff;overflow:hidden}
  .hero::after{content:"";position:absolute;inset:0;background:radial-gradient(900px 400px at 85% -10%,rgba(200,162,75,.22),transparent 60%);pointer-events:none}
  .hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:84px 0 92px;position:relative;z-index:2}
  .hero h1{color:#fff;font-size:clamp(2.4rem,4.6vw,3.9rem);font-weight:600}
  .hero h1 .accent{color:var(--gold-soft)}
  .hero p.lead{color:#D4E0EE;font-size:1.18rem;margin:1.4rem 0 2rem;max-width:34rem}
  .hero .hero-tagline{font-family:'Fraunces',Georgia,serif;color:#fff;font-weight:600;font-size:clamp(1.7rem,3.4vw,2.6rem);line-height:1.16;letter-spacing:-.01em;margin:1.2rem 0 1.9rem;max-width:30rem}
  .hero-badges{display:flex;flex-wrap:wrap;gap:.6rem;margin-bottom:2rem}
  .chip{display:inline-flex;align-items:center;gap:.45rem;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);color:#EAF1F8;font-size:.82rem;font-weight:500;padding:.4rem .8rem;border-radius:999px}
  .hero-cta{display:flex;flex-wrap:wrap;gap:.8rem}
  .hero-visual{position:relative}
  .hero-visual img{width:100%;border-radius:20px;box-shadow:0 30px 60px -20px rgba(0,0,0,.5);border:1px solid rgba(255,255,255,.15)}
  .hero-float{position:absolute;left:-18px;bottom:-22px;background:#fff;color:var(--ink);border-radius:14px;padding:.9rem 1.1rem;box-shadow:var(--shadow);display:flex;align-items:center;gap:.7rem;max-width:230px}
  .hero-float .dot{width:38px;height:38px;border-radius:50%;background:var(--bg-alt);display:grid;place-items:center;flex-shrink:0}
  .hero-float b{font-size:.9rem;color:var(--navy-deep)}
  .hero-float span{font-size:.76rem;color:var(--slate-light)}
  @media(max-width:860px){.hero-grid{grid-template-columns:1fr;gap:34px;padding:60px 0 70px}.hero-visual{order:-1}}

  /* MARQUEE */
  .trust{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:30px 0}
  .trust p.tl{text-align:center;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--slate-light);font-weight:600;margin-bottom:22px}
  .marquee{overflow:hidden;position:relative;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
  .marquee-track{display:flex;align-items:center;gap:64px;width:max-content;animation:scroll 58s linear infinite}
  .marquee:hover .marquee-track{animation-play-state:paused}
  .marquee-track img{height:36px;width:auto;object-fit:contain;filter:grayscale(1);opacity:.6;transition:.2s;flex-shrink:0}
  .marquee-track img:hover{filter:grayscale(0);opacity:1}
  @keyframes scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

  section.pad{padding:92px 0}
  .sec-head{max-width:640px;margin:0 auto 56px;text-align:center}
  .sec-head h2{font-size:clamp(1.9rem,3.2vw,2.7rem);margin:.6rem 0 .8rem}
  .sec-head p{color:var(--slate);font-size:1.08rem}
  .page-hero{background:linear-gradient(150deg,#0A2A4E,#0E3D73);color:#fff;padding:70px 0 64px;position:relative;overflow:hidden;text-align:center}
  .page-hero::after{content:"";position:absolute;inset:0;background:radial-gradient(700px 320px at 80% -20%,rgba(200,162,75,.2),transparent 60%)}
  .page-hero .eyebrow{color:var(--gold-soft)}
  .page-hero h1{color:#fff;font-size:clamp(2.1rem,4vw,3.1rem);margin:.5rem 0 .7rem;position:relative;z-index:2}
  .page-hero p{color:#CFDCEC;font-size:1.12rem;max-width:38rem;margin:0 auto;position:relative;z-index:2}

  .why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
  .why-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;transition:.2s}
  .why-card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent}
  .why-ic{width:52px;height:52px;border-radius:14px;background:linear-gradient(140deg,#0E3D73,#134a86);display:grid;place-items:center;margin-bottom:18px}
  .why-ic svg{width:26px;height:26px;stroke:#fff;fill:none;stroke-width:1.7}
  .why-card h3{font-size:1.18rem;margin-bottom:.5rem}
  .why-card p{font-size:.95rem;color:var(--slate)}
  @media(max-width:900px){.why-grid{grid-template-columns:1fr 1fr}}
  @media(max-width:540px){.why-grid{grid-template-columns:1fr}}

  .services{background:var(--bg-alt)}
  .svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
  .svc-card{position:relative;background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow-sm);transition:.2s}
  .svc-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
  .svc-top{height:6px;background:linear-gradient(90deg,var(--navy),var(--gold))}
  .svc-body{padding:32px 28px}
  .svc-body h3{font-size:1.35rem;margin-bottom:.6rem}
  .svc-body p{color:var(--slate);font-size:.97rem;margin-bottom:1.1rem}
  .svc-list{list-style:none;display:flex;flex-direction:column;gap:.5rem}
  .svc-list li{display:flex;gap:.55rem;font-size:.92rem;color:var(--slate)}
  .svc-list li::before{content:"";width:18px;height:18px;flex-shrink:0;margin-top:2px;border-radius:50%;background:var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230A2A4E' stroke-width='3'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/11px no-repeat}
  @media(max-width:860px){.svc-grid{grid-template-columns:1fr}}

  .formcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);overflow:hidden}
  .formcard .fhead{padding:26px 30px;border-bottom:1px solid var(--line);display:flex;gap:14px;align-items:flex-start}
  .fhead .fic{width:46px;height:46px;border-radius:12px;background:linear-gradient(140deg,#0E3D73,#134a86);display:grid;place-items:center;flex-shrink:0}
  .fhead .fic svg{width:23px;height:23px;stroke:#fff;fill:none;stroke-width:1.7}
  .fhead h3{font-size:1.25rem}
  .fhead p{font-size:.9rem;color:var(--slate-light);margin-top:.15rem}
  .fbody{padding:26px 30px 30px}
  .frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .field{margin-bottom:14px}
  .field label{display:block;font-size:.82rem;font-weight:600;color:var(--navy-deep);margin-bottom:.35rem}
  .field input,.field select,.field textarea{width:100%;font-family:inherit;font-size:.92rem;color:var(--ink);padding:.7rem .85rem;border:1.5px solid var(--line);border-radius:10px;background:#fff;transition:.15s}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,162,75,.15)}
  .field textarea{resize:vertical;min-height:80px}
  .route{font-size:.78rem;color:var(--slate-light);margin-top:.6rem;display:flex;align-items:center;gap:.35rem;justify-content:center}
  .hp{position:absolute!important;left:-9999px!important;top:auto;width:1px;height:1px;opacity:0;pointer-events:none}
  .formcard form.fbody{margin:0}
  .stat-row{flex-wrap:wrap}
  @media(max-width:860px){.hero-float{position:static;margin:16px auto 0;left:auto;right:auto;bottom:auto}}
  @media(max-width:600px){section.pad{padding:60px 0}.wrap{padding:0 20px}.hero-grid{padding:48px 0 56px}.sec-head{margin-bottom:40px}}
  @media(max-width:480px){.frow{grid-template-columns:1fr}}

  .about{background:linear-gradient(180deg,#fff,var(--bg-alt))}
  .about-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;margin-bottom:20px}
  .about-grid .mission h2{font-size:clamp(1.9rem,3vw,2.6rem);margin:.6rem 0 1rem}
  .about-grid .mission p{color:var(--slate);font-size:1.06rem;margin-bottom:1rem}
  .stat-row{display:flex;gap:34px;margin-top:26px}
  .stat b{font-family:'Fraunces';font-size:1.9rem;color:var(--navy);display:block;line-height:1}
  .stat span{font-size:.85rem;color:var(--slate-light)}
  .about-photo{border-radius:20px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
  .about-photo img{width:100%;display:block}
  @media(max-width:860px){.about-grid{grid-template-columns:1fr;gap:32px}}

  .team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:20px}
  .team-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:.2s;text-align:center}
  .team-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
  .team-photo{aspect-ratio:1/1;overflow:hidden;background:var(--bg-alt)}
  .team-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
  .team-info{padding:22px 20px 26px}
  .team-info h3{font-size:1.25rem;margin-bottom:.15rem}
  .team-info .role{color:var(--gold);font-weight:600;font-size:.85rem;letter-spacing:.03em;margin-bottom:.7rem}
  .team-info a.mail{display:inline-flex;align-items:center;gap:.4rem;font-size:.88rem;color:var(--slate);font-weight:500}
  .team-info a.mail:hover{color:var(--navy)}
  .team-info .team-contact{display:flex;flex-direction:column;gap:.35rem;align-items:center;margin-top:.1rem}
  @media(max-width:860px){.team-grid{grid-template-columns:1fr;max-width:360px;margin:20px auto 0}}

  .partners-sec{background:var(--navy-deep);color:#fff;position:relative;overflow:hidden}
  .partners-sec::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 320px at 15% 0%,rgba(200,162,75,.16),transparent 60%)}
  .tc-badge{display:flex;align-items:center;gap:18px;justify-content:center;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:18px 26px;max-width:520px;margin:0 auto 46px;position:relative;z-index:2}
  .tc-badge img{height:46px;background:#fff;border-radius:8px;padding:6px 10px}
  .tc-badge div{font-size:.92rem;color:#D4E0EE}
  .tc-badge b{color:#fff;display:block;font-family:'Fraunces';font-size:1.05rem}
  .carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;position:relative;z-index:2}
  .carrier{background:#fff;border-radius:14px;height:120px;display:grid;place-items:center;padding:22px;transition:.2s}
  .carrier:hover{transform:translateY(-3px);box-shadow:0 16px 30px -14px rgba(0,0,0,.5)}
  .carrier img{max-height:60px;max-width:82%;object-fit:contain}
  @media(max-width:900px){.carrier-grid{grid-template-columns:repeat(2,1fr)}}

  .contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
  .contact-info h2{font-size:clamp(1.9rem,3vw,2.6rem);margin:.6rem 0 1rem}
  .contact-info>p{color:var(--slate);font-size:1.05rem;margin-bottom:1.8rem}
  .ci-item{display:flex;gap:14px;margin-bottom:20px;align-items:flex-start}
  .ci-item .cic{width:44px;height:44px;border-radius:12px;background:var(--bg-alt);display:grid;place-items:center;flex-shrink:0}
  .ci-item .cic svg{width:21px;height:21px;stroke:var(--navy);fill:none;stroke-width:1.7}
  .ci-item b{display:block;font-size:.95rem;color:var(--navy-deep)}
  .ci-item span,.ci-item a{font-size:.95rem;color:var(--slate)}
  .ci-item a:hover{color:var(--navy)}
  @media(max-width:860px){.contact-grid{grid-template-columns:1fr;gap:34px}}

  footer{background:#08243f;color:#B9CADD;padding:64px 0 30px}
  .foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
  footer img.flogo{height:42px;margin-bottom:16px;filter:brightness(0) invert(1);opacity:.95}
  footer p.fabout{font-size:.92rem;max-width:26rem;color:#93A8BF}
  footer h4{color:#fff;font-family:'Inter';font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px;font-weight:600}
  footer ul{list-style:none;display:flex;flex-direction:column;gap:.6rem}
  footer ul a{font-size:.92rem;color:#B9CADD;cursor:pointer}
  footer ul a:hover{color:#fff}
  .socials{display:flex;gap:12px;margin-top:18px}
  .socials a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);display:grid;place-items:center;transition:.2s}
  .socials a:hover{background:var(--gold)}
  .socials svg{width:18px;height:18px;fill:#fff}
  .foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding-top:24px;font-size:.83rem;color:#7C93AC}
  @media(max-width:800px){.foot-grid{grid-template-columns:1fr;gap:28px}}

  .preview-note{position:fixed;bottom:16px;left:50%;transform:translateX(-50%);z-index:99;background:var(--navy-deep);color:#EAF1F8;font-size:.8rem;padding:.6rem 1.1rem;border-radius:999px;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.15);display:flex;align-items:center;gap:.5rem}
  .preview-note b{color:var(--gold-soft)}


/* ---------- multi-page additions ---------- */
.crumbs{background:var(--bg-alt);border-bottom:1px solid var(--line);padding:12px 0;font-size:.83rem;color:var(--slate-light)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;align-items:center;margin:0;padding:0}
.crumbs li::after{content:"›";margin-left:.4rem;color:var(--line)}
.crumbs li:last-child::after{content:""}
.crumbs a{color:var(--slate)}
.crumbs a:hover{color:var(--navy)}
.crumbs li[aria-current]{color:var(--navy-deep);font-weight:600}

.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;align-items:start}
@media(max-width:980px){.layout{grid-template-columns:1fr;gap:40px}}
.aside{position:sticky;top:126px;display:flex;flex-direction:column;gap:18px}
@media(max-width:980px){.aside{position:static}}

.prose{max-width:68ch}
.prose>*+*{margin-top:1.15rem}
.prose h2{font-size:clamp(1.45rem,2.4vw,1.95rem);margin-top:2.6rem}
.prose h3{font-size:1.16rem;margin-top:1.9rem;color:var(--navy)}
.prose p{color:var(--slate);font-size:1.02rem;line-height:1.72}
.prose p.answer{font-size:1.1rem;color:var(--ink);line-height:1.66}
.prose ul,.prose ol{padding-left:0;list-style:none;display:flex;flex-direction:column;gap:.7rem}
.prose ul li{position:relative;padding-left:1.6rem;color:var(--slate);font-size:1rem;line-height:1.66}
.prose ul li::before{content:"";position:absolute;left:0;top:.62em;width:8px;height:8px;border-radius:2px;background:var(--gold)}
.prose ol{counter-reset:pi}
.prose ol li{counter-increment:pi;position:relative;padding-left:2.1rem;color:var(--slate);line-height:1.66}
.prose ol li::before{content:counter(pi);position:absolute;left:0;top:.1em;width:24px;height:24px;border-radius:50%;background:var(--bg-alt);color:var(--navy);font-family:'Inter';font-size:.78rem;font-weight:700;display:grid;place-items:center}
.prose strong{color:var(--navy-deep);font-weight:600}
.prose a{color:var(--navy);text-decoration:underline;text-underline-offset:2px;text-decoration-color:var(--gold)}
/* Buttons inside .prose keep their own colours. `.prose a` (0,1,1) outranks
   `.btn-navy` (0,1,0), which was painting navy text on a navy button. */
.prose a.btn{text-decoration:none}
.prose a.btn.btn-navy{color:#fff}
.prose a.btn.btn-gold{color:#33280c}
.prose a.btn.btn-outline{color:var(--navy)}
.prose a.btn.btn-ghost{color:#fff}
.prose a.bookbtn{color:#33280c;text-decoration:none}
.prose a.bookbtn:hover{color:#2a2009}

.note{background:var(--bg-alt);border-left:4px solid var(--gold);border-radius:0 12px 12px 0;padding:20px 24px}
.note p{font-size:.97rem;color:var(--slate);margin:0}
.note p+p{margin-top:.7rem}
.note b{color:var(--navy-deep)}

.cov-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:1.4rem}
@media(max-width:700px){.cov-grid{grid-template-columns:1fr}}
.cov{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 24px;transition:.2s}
.cov:hover{box-shadow:var(--shadow-sm);border-color:transparent}
.cov h4{font-family:'Fraunces',Georgia,serif;font-size:1.06rem;color:var(--navy-deep);margin-bottom:.4rem;line-height:1.25}
.cov p{font-size:.93rem;color:var(--slate);line-height:1.6;margin:0}

.sidecard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:24px}
.sidecard h3{font-size:1.12rem;margin-bottom:.5rem}
.sidecard p{font-size:.92rem;color:var(--slate);margin-bottom:1rem}
.sidecard .btn{width:100%;justify-content:center}
.sidecard.dark{background:linear-gradient(150deg,#0A2A4E,#0E3D73);border-color:transparent;color:#fff}
.sidecard.dark h3{color:#fff}
.sidecard.dark p{color:#CFDCEC}
.sidelist{list-style:none;display:flex;flex-direction:column;gap:.15rem;margin:0;padding:0}
.sidelist a{display:block;font-size:.92rem;color:var(--slate);padding:.5rem 0;border-bottom:1px solid var(--line)}
.sidelist li:last-child a{border-bottom:0}
.sidelist a:hover{color:var(--navy)}
.sidelist a.cur{color:var(--navy-deep);font-weight:600}

.states{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.state{display:inline-flex;align-items:center;gap:.4rem;background:var(--bg-alt);border:1px solid var(--line);color:var(--navy-deep);font-size:.85rem;font-weight:600;padding:.4rem .85rem;border-radius:999px}
.state.primary{background:var(--gold-soft);border-color:var(--gold)}

.linkgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:860px){.linkgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.linkgrid{grid-template-columns:1fr}}
.linkcard{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;transition:.2s}
.linkcard:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent}
.linkcard b{display:block;font-family:'Fraunces',Georgia,serif;font-size:1.05rem;color:var(--navy-deep);margin-bottom:.3rem;line-height:1.25}
.linkcard span{font-size:.89rem;color:var(--slate);line-height:1.55;display:block}

.classindex{display:grid;grid-template-columns:1fr 1fr;gap:34px}
@media(max-width:860px){.classindex{grid-template-columns:1fr;gap:26px}}
.classblock h3{font-size:1.2rem;margin-bottom:.7rem;padding-bottom:.5rem;border-bottom:2px solid var(--gold-soft)}
.classblock ul{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;margin:0;padding:0}
.classblock ul li{font-size:.88rem;color:var(--slate);background:var(--bg-alt);border:1px solid var(--line);border-radius:8px;padding:.3rem .7rem}
.classblock ul li a{color:var(--navy);font-weight:600}

.factrow{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-top:1.4rem}
@media(max-width:700px){.factrow{grid-template-columns:1fr}}
.fact{background:#fff;padding:20px 22px}
.fact b{display:block;font-family:'Fraunces',Georgia,serif;font-size:1.5rem;color:var(--navy);line-height:1.1;margin-bottom:.3rem}
.fact span{font-size:.87rem;color:var(--slate);line-height:1.5}

/* ---------- nav fit: 7 items instead of the original 6 ---------- */
@media(max-width:1400px){.navlinks{gap:1.05rem}}
@media(max-width:1320px){.nav-cta .phone{display:none}}
@media(min-width:1081px) and (max-width:1200px){.navlinks a{font-size:.87rem}.navlinks{gap:.85rem}}
.nav-cta .phone{white-space:nowrap}
.brand img{max-width:220px;object-fit:contain}

/* ---------- book-a-meeting button on team cards ---------- */
.bookbtn{display:block;width:100%;margin-top:1rem;padding:.62rem 1rem;border-radius:999px;
  background:var(--gold-soft);border:1.5px solid var(--gold);color:#33280c;font-weight:600;
  font-size:.86rem;transition:.18s;text-decoration:none;line-height:1.3;text-align:center}
.bookbtn:hover{background:var(--gold);color:#2a2009}
.bookbtn:focus-visible{outline:2px solid var(--navy);outline-offset:2px}

/* ---------- answer library (/insights/) ---------- */
.meta-line{font-size:.83rem;color:var(--slate-light);margin-top:.6rem}
.meta-line b{color:var(--slate);font-weight:600}

/* comparison tables: must scroll inside themselves, never widen the page */
.tablewrap{overflow-x:auto;margin-top:1.4rem;border:1px solid var(--line);border-radius:14px;background:#fff}
.dtable{border-collapse:collapse;width:100%;min-width:520px;font-size:.92rem}
.dtable caption{caption-side:top;text-align:left;padding:14px 18px 0;font-size:.85rem;color:var(--slate-light)}
.dtable th,.dtable td{padding:12px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);line-height:1.55}
.dtable thead th{background:var(--bg-alt);color:var(--navy-deep);font-family:'Inter';font-size:.76rem;
  letter-spacing:.05em;text-transform:uppercase;font-weight:700;white-space:nowrap}
.dtable tbody th{color:var(--navy-deep);font-weight:600;white-space:nowrap}
.dtable td{color:var(--slate)}
.dtable tbody tr:last-child th,.dtable tbody tr:last-child td{border-bottom:0}
.dtable code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.88em;
  background:var(--bg-alt);border:1px solid var(--line);border-radius:5px;padding:.08em .35em;
  color:var(--navy-deep);white-space:nowrap}
.prose code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.88em;
  background:var(--bg-alt);border:1px solid var(--line);border-radius:5px;padding:.08em .35em;
  color:var(--navy-deep);white-space:nowrap}

.keybox{background:linear-gradient(150deg,#0A2A4E,#0E3D73);border-radius:var(--radius);
  padding:26px 30px;margin-top:1.6rem;color:#fff}
.keybox h3{color:#fff;font-size:1.05rem;margin:0 0 .7rem}
.keybox ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:.6rem}
.keybox ul li{position:relative;padding-left:1.5rem;color:#CFDCEC;font-size:.95rem;line-height:1.6}
.keybox ul li::before{content:"";position:absolute;left:0;top:.6em;width:7px;height:7px;
  border-radius:2px;background:var(--gold)}
.keybox strong{color:#fff;font-weight:600}
.keybox code{background:rgba(255,255,255,.13);border-color:rgba(255,255,255,.28);color:#fff}

.disclaim{margin-top:2.4rem;padding-top:1.2rem;border-top:1px solid var(--line);
  font-size:.85rem;color:var(--slate-light);line-height:1.6}

.answercards{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:1.6rem}
@media(max-width:760px){.answercards{grid-template-columns:1fr}}
.acard{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;
  padding:22px 24px;transition:.2s}
.acard:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent}
.acard .k{display:block;font-family:'Inter';font-size:.68rem;letter-spacing:.07em;
  text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:.5rem}
.acard b{display:block;font-family:'Fraunces',Georgia,serif;font-size:1.1rem;
  color:var(--navy-deep);margin-bottom:.4rem;line-height:1.3}
.acard span.d{font-size:.9rem;color:var(--slate);line-height:1.6;display:block}
/* .prose a (0,1,1) would underline these cards navy — it does not win here, but
   be explicit so a future .prose rule cannot repaint them. */
.prose a.acard{text-decoration:none;color:inherit}

/* ---------- carrier directory ---------- */
.clogo-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(132px,1fr));gap:12px;
  margin-top:1.6rem;
  /* break out of the 70ch prose column so more than four fit per row */
  width:min(920px,calc(100vw - 44px));margin-left:50%;transform:translateX(-50%)}
.clogo{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 10px 10px;
  display:flex;flex-direction:column;align-items:center;gap:8px;cursor:pointer;
  transition:.18s;font-family:inherit;text-align:center;justify-content:flex-start;
  min-height:118px}
.clogo:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent}
.clogo:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
/* fixed box + contain = every logo occupies an identical area, none distorted */
.clogo img{width:100%;height:38px;object-fit:contain;display:block}
.clogo-name{font-size:.7rem;font-weight:600;color:var(--slate);line-height:1.25;min-height:2.5em;
  display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.clogo::after{content:"Billing · Claims";font-family:'Inter';font-size:.58rem;letter-spacing:.06em;
  text-transform:uppercase;color:var(--gold);font-weight:700;margin-top:auto;padding-top:2px}
@media(max-width:640px){
  .clogo-grid{grid-template-columns:repeat(auto-fill,minmax(104px,1fr));gap:10px}
  .clogo img{height:32px}
}

.cmodal{position:fixed;inset:0;z-index:200;display:grid;place-items:center;padding:20px}
.cmodal[hidden]{display:none}
.cmodal-backdrop{position:absolute;inset:0;background:rgba(10,42,78,.62);backdrop-filter:blur(3px)}
.cmodal-box{position:relative;background:#fff;border-radius:18px;max-width:520px;width:100%;
  max-height:86vh;overflow-y:auto;padding:34px 34px 30px;box-shadow:0 30px 70px -20px rgba(0,0,0,.55)}
@media(max-width:560px){.cmodal-box{padding:28px 22px 24px}}
.cmodal-x{position:absolute;top:12px;right:14px;background:none;border:0;font-size:1.9rem;line-height:1;
  color:var(--slate-light);cursor:pointer;padding:4px 8px;border-radius:8px}
.cmodal-x:hover{color:var(--navy)}
.cmodal-x:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.cpanel-title{font-family:'Fraunces',Georgia,serif;font-size:1.5rem;color:var(--navy-deep);
  margin-bottom:1.1rem;padding-right:30px;line-height:1.15}
.ct-h{font-family:'Inter';font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;
  color:var(--gold);font-weight:700;margin:1.2rem 0 .5rem}
.ct-h:first-of-type{margin-top:0}
.ct-row{display:flex;flex-wrap:wrap;align-items:baseline;gap:.4rem .7rem;padding:.5rem 0;
  border-bottom:1px solid var(--line)}
.ct-row:last-of-type{border-bottom:0}
.ct-label{font-size:.86rem;color:var(--slate);flex:1 1 auto;min-width:120px}
.ct-num{font-weight:700;color:var(--navy);font-size:1.02rem;text-decoration:none;white-space:nowrap}
.ct-num:hover{color:var(--gold)}
.ct-hours{flex-basis:100%;font-size:.76rem;color:var(--slate-light)}
.ct-note{font-size:.86rem;color:var(--slate);line-height:1.55;margin-top:1.1rem;
  padding-top:.9rem;border-top:1px solid var(--line)}
.ct-fallback{background:var(--bg-alt);border-left:3px solid var(--gold);border-radius:0 10px 10px 0;
  padding:14px 16px;display:flex;flex-direction:column;gap:.6rem}
.ct-fallback p{font-size:.88rem;color:var(--slate);line-height:1.55;margin:0}
.ct-site{display:inline-block;margin-top:1.2rem;font-weight:600;font-size:.92rem;color:var(--navy);
  text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--gold)}