:root{
  --navy:#101a2e;
  --navy-2:#17243d;
  --blue:#5d78a6;
  --blue-2:#94a9cb;
  --ink:#172033;
  --muted:#647084;
  --paper:#f6f8fb;
  --paper-2:#eef3fa;
  --white:#ffffff;
  --line:#dde3ec;
  --shadow:0 24px 60px rgba(16,26,46,.12);
  --shadow-soft:0 14px 35px rgba(16,26,46,.08);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.6}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(1160px,calc(100% - 40px));margin:0 auto}
.skip-link{position:absolute;left:-9999px;top:10px;background:#fff;padding:10px 14px;z-index:999}
.skip-link:focus{left:10px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(221,227,236,.8)}
.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(145deg,var(--navy),#30466e);color:#fff;font-weight:800;letter-spacing:.04em}
.brand-copy{display:flex;flex-direction:column;line-height:1.2}.brand-copy strong{font-size:15px}.brand-copy small{font-size:12px;color:var(--muted);margin-top:3px}
.main-nav{display:flex;align-items:center;gap:22px}.main-nav>a{text-decoration:none;font-size:14px;font-weight:700;color:#354056}.main-nav>a:hover{color:var(--navy)}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font-weight:700}
.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:linear-gradient(135deg,var(--navy),#314a77);color:#fff;text-decoration:none;border:0;border-radius:13px;padding:14px 20px;font-weight:800;box-shadow:0 10px 24px rgba(16,26,46,.18);cursor:pointer}
.button:hover{transform:translateY(-1px)}
.button-small{padding:10px 15px!important;color:#fff!important}
.button-ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.28);box-shadow:none}
.button-dark{background:#101a2e}
.button.full{width:100%}
.card-lite{background:rgba(255,255,255,.9);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.3);box-shadow:var(--shadow)}
.glass-panel{background:rgba(8,17,33,.48);backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.15);box-shadow:var(--shadow)}
.hero{position:relative;overflow:hidden;padding:94px 0 70px;min-height:730px;display:flex;align-items:center;background:#0b1322}
.hero-scene{position:absolute;inset:0;background-image:url('assets/hero-neighborhood.png');background-size:cover;background-position:center center;transform:scale(1.08);animation:heroPan 26s ease-in-out infinite alternate}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,15,30,.82) 0%,rgba(7,15,30,.6) 38%,rgba(7,15,30,.28) 68%,rgba(7,15,30,.38) 100%)}
@keyframes heroPan{0%{transform:scale(1.08) translate3d(0,0,0)}100%{transform:scale(1.18) translate3d(-2%,1%,0)}}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);align-items:center;gap:50px;z-index:1}
.hero-copy{padding:34px;border-radius:28px;color:#fff;max-width:760px}
.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.18em;font-weight:900;color:#59729d;margin:0 0 13px}.eyebrow-light{color:#d7e2f6}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.08;margin:0 0 18px;color:#121b2f}
h1{font-size:clamp(40px,5.2vw,68px);max-width:760px;letter-spacing:-.035em;color:#fff}.hero-lede{font-size:19px;color:#e2e8f3;max-width:650px;margin-bottom:28px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:24px}
.qualifier-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-bottom:30px}
.quick-cta{display:flex;flex-direction:column;gap:3px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:16px;text-decoration:none;color:#fff}
.quick-cta span{font-size:11px;text-transform:uppercase;letter-spacing:.14em;color:#d7e2f6;font-weight:800}
.quick-cta strong{font-size:16px}
.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;border-top:1px solid var(--line);padding-top:22px}.trust-row div{display:flex;flex-direction:column}.trust-row strong{font-size:14px}.trust-row span{font-size:12px;color:var(--muted);margin-top:3px}
.trust-row-dark{border-top-color:rgba(255,255,255,.18)}
.trust-row-dark strong{color:#fff}
.trust-row-dark span{color:#d7e2f6}
.advisor-card{border-radius:28px;padding:22px;justify-self:end;max-width:370px;width:100%}
.advisor-top{display:grid;grid-template-columns:102px 1fr;gap:16px;align-items:center;margin-bottom:18px}
.advisor-photo{width:102px;height:102px;border-radius:20px;overflow:hidden;background:#dfe5ef;box-shadow:var(--shadow-soft)}
.advisor-photo img{width:100%;height:100%;object-fit:cover;object-position:center 18%}
.kicker{font-size:12px;text-transform:uppercase;letter-spacing:.16em;color:#59729d;font-weight:900;margin:0 0 4px}
.advisor-card h2{font-size:28px;margin-bottom:8px}
.advisor-company{margin:0;color:var(--muted)}
.advisor-list{display:grid;gap:10px}
.advisor-list a{display:flex;justify-content:space-between;align-items:flex-end;gap:10px;padding:14px 0;border-top:1px solid var(--line);text-decoration:none}
.advisor-list a span{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.13em;color:var(--muted);font-weight:800}
.advisor-list a strong{display:block;font-size:15px;color:var(--ink)}
.advisor-bottom{display:grid;grid-template-columns:84px 1fr;gap:14px;align-items:center;background:var(--paper);border-radius:18px;padding:12px;margin-top:18px}
.advisor-bottom img{width:84px;height:84px;border-radius:12px}
.advisor-bottom p{margin:4px 0 0;color:var(--muted);font-size:14px}
.section{padding:88px 0}
.section-light{background:var(--paper)}
.tools-strip{padding:0 0 38px;background:linear-gradient(180deg,#fff 0%,var(--paper) 100%)}
.mini-card-grid{margin-top:-42px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;position:relative;z-index:3}
.mini-card{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-soft);padding:22px}
.mini-card h3{font-size:24px;margin-bottom:10px}.mini-card p{color:var(--muted);margin:0}
.section-heading{max-width:760px;margin:0 auto 42px;text-align:center}.section-heading.left{text-align:left;margin:0}.section-heading h2,.about-section h2,.qr-section h2,.contact-grid h2,.dark-panel h2,.program-section h2,.faq-section h2{font-size:clamp(34px,4.2vw,52px)}.section-heading p{color:var(--muted)}
.cards{display:grid;gap:18px}.cards.four{grid-template-columns:repeat(4,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(16,26,46,.05)}.card .icon{width:46px;height:46px;border-radius:13px;background:#eef2f8;display:grid;place-items:center;font-weight:900;color:var(--navy);font-size:22px;margin-bottom:18px}.card h3{font-size:25px}.card p{color:var(--muted)}.card>a{font-weight:800;text-decoration:none;color:#395985;font-size:14px}
.program-section{background:#fff}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:start}
.muted-light{color:#cbd5e5;font-size:18px}
.muted-copy{color:var(--muted);font-size:18px;margin-bottom:28px}
.program-pills{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 28px}
.program-pills span{padding:10px 14px;border-radius:999px;background:var(--paper-2);border:1px solid var(--line);font-size:14px;font-weight:700;color:#2f4262}
.program-feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.feature-card{background:linear-gradient(180deg,#f9fbff,#eef3fa);border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow-soft)}
.feature-card h3{font-size:26px}.feature-card p{color:var(--muted);margin:0}
.dark-panel{background:linear-gradient(135deg,#0d1627,#1f3152);color:#fff}.dark-panel h2{color:#fff}.steps{list-style:none;padding:0;margin:0;display:grid;gap:14px}.steps li{display:grid;grid-template-columns:60px 1fr;gap:16px;padding:20px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.05);border-radius:18px}.steps li>span{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:#fff;color:var(--navy);font-weight:900}.steps strong{font-size:17px}.steps p{margin:4px 0 0;color:#cbd5e5}
.calc-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:center}.calculator label{display:flex;flex-direction:column;font-weight:800;font-size:13px;gap:7px;margin-bottom:17px}.calculator input,.calculator select,.contact-form input,.contact-form select,.contact-form textarea{width:100%;border:1px solid #ccd4df;border-radius:11px;padding:13px 14px;font:inherit;background:#fff;color:var(--ink)}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.result{margin:20px 0 10px;background:#eef2f8;border-radius:16px;padding:20px;display:flex;align-items:flex-end;justify-content:space-between;gap:16px}.result span{font-size:13px;color:var(--muted);max-width:190px}.result strong{font-size:35px;font-family:Georgia,"Times New Roman",serif;color:var(--navy)}.calculator small,.contact-form small{color:var(--muted)}
.about-section{background:#fff}.about-grid{display:grid;grid-template-columns:.58fr 1.42fr;gap:64px;align-items:center}.about-photo{border-radius:26px;overflow:hidden;max-width:315px;max-height:410px;justify-self:center;background:#eef1f5}.about-photo img{width:100%;height:100%;object-fit:cover;object-position:center 18%}.about-grid p{color:var(--muted);font-size:17px}.credential-box{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-top:26px}.credential-box div{padding:17px 18px;border-bottom:1px solid var(--line)}.credential-box div:nth-child(odd){border-right:1px solid var(--line)}.credential-box div:nth-last-child(-n+2){border-bottom:0}.credential-box span{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.12em;font-weight:800}.credential-box strong{display:block;margin-top:3px;font-size:14px}.credential-box a{text-decoration:none}
.qr-section{background:linear-gradient(180deg,#edf2f9,#f8fafd)}.qr-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:70px;align-items:center}.qr-grid p{color:var(--muted);font-size:17px;max-width:640px}.qr-card{justify-self:center;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:24px;padding:22px;text-align:center}.qr-card img{width:220px;height:220px;margin:0 auto 12px}.qr-card strong,.qr-card span{display:block}.qr-card span{color:var(--muted);font-size:13px;margin-top:4px}
.faq-section{background:var(--paper)}
.faq-list{max-width:920px;margin:0 auto;display:grid;gap:14px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-soft)}
.faq-question{width:100%;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:22px 24px;border:0;background:#fff;font:inherit;font-size:18px;font-weight:800;text-align:left;color:var(--ink);cursor:pointer}
.faq-question span{font-size:28px;line-height:1;color:#6c7b93;transition:transform .2s ease}
.faq-answer{padding:0 24px 22px;color:var(--muted);display:none}
.faq-item.active .faq-answer{display:block}
.faq-item.active .faq-question span{transform:rotate(45deg)}
.contact-section{background:#fff}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}.contact-grid p{color:var(--muted);font-size:17px}.contact-actions{display:grid;gap:12px;margin-top:26px}.contact-actions a{display:flex;flex-direction:column;text-decoration:none;border:1px solid var(--line);border-radius:15px;padding:16px;background:#fff;box-shadow:var(--shadow-soft)}.contact-actions span{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.12em;font-weight:800}.contact-actions strong{margin-top:3px}.contact-form label{display:flex;flex-direction:column;font-weight:800;font-size:13px;gap:7px;margin-bottom:15px}
.site-footer{background:#0a1220;color:#cbd5e5;padding:52px 0 26px}.footer-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:60px}.footer-grid strong{color:#fff}.footer-grid p{font-size:13px;max-width:760px}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;margin-top:28px;display:flex;justify-content:space-between;gap:20px;font-size:12px}.footer-bottom a{color:#fff}
@media (max-width:1080px){
  .hero-grid,.split,.calc-grid,.qr-grid,.contact-grid,.about-grid{grid-template-columns:1fr;gap:42px}
  .program-feature-grid,.cards.four{grid-template-columns:1fr 1fr}
  .advisor-card{justify-self:start;max-width:540px}
  .hero{padding-top:80px}
  .mini-card-grid{grid-template-columns:1fr}
  .about-photo{max-width:300px}
}
@media (max-width:740px){
  .container{width:min(100% - 28px,1160px)}
  .site-header{position:relative}
  .menu-btn{display:block}
  .main-nav{display:none;position:absolute;left:14px;right:14px;top:70px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:4px}
  .main-nav.open{display:flex}
  .main-nav a{padding:10px}
  .hero{padding:48px 0 52px;min-height:auto}
  .hero-copy{padding:24px}
  .hero-actions,.qualifier-row{flex-direction:column;display:flex}
  .hero-actions .button,.qualifier-row .quick-cta{width:100%}
  .trust-row{grid-template-columns:1fr;gap:12px}
  .advisor-top{grid-template-columns:86px 1fr}
  .advisor-photo{width:86px;height:86px}
  .cards.four,.program-feature-grid,.field-row,.credential-box{grid-template-columns:1fr}
  .credential-box div:nth-child(odd){border-right:0}
  .credential-box div:nth-last-child(-n+2){border-bottom:1px solid var(--line)}
  .credential-box div:last-child{border-bottom:0}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column}
  .section{padding:65px 0}
  .qr-card{justify-self:center}
  .result{align-items:flex-start;flex-direction:column}
  .faq-question{font-size:17px;padding:18px}
  .faq-answer{padding:0 18px 18px}
}