:root{
  --paper:#FBF9F4;--white:#FFFFFF;--navy:#343534;--navy2:#454645;--gold:#EBB934;--gold-deep:#C8991C;
  --char:#343534;--teal:#1B7F8E;--line:#E8E2D4;
  --display:'Baloo 2',system-ui,sans-serif;--body:'Public Sans',system-ui,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto;}*{transition:none!important;}}
body{font-family:var(--body);color:var(--char);background:var(--paper);line-height:1.6;}
img{max-width:100%;display:block;}
.wrap{max-width:1040px;margin:0 auto;padding:0 22px;}
.eyebrow{font-weight:700;font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);}
h1,h2,h3{font-family:var(--display);color:var(--navy);line-height:1.14;}
.btn{display:inline-block;font-weight:700;font-size:15px;padding:14px 26px;border-radius:999px;text-decoration:none;transition:transform .15s ease, box-shadow .15s ease;}
.btn:root{color-scheme:light only;}
html{background:#FBF9F4;}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px;}
.btn:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(14,35,64,.18);}
.btn-gold{background:var(--gold);color:var(--navy);}
.btn-ghost{border:2px solid var(--navy);color:var(--navy);}
.btn-navy{background:var(--navy);color:#fff;}
.btn-white{background:#fff;color:var(--navy);}

nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(6px);border-bottom:1px solid var(--line);}
.nav-in{display:flex;align-items:center;justify-content:space-between;padding:12px 22px;max-width:1040px;margin:0 auto;}
.nav-in img{height:64px;width:auto;}
.nav-links{display:flex;gap:22px;align-items:center;}
.nav-links a{font-weight:600;font-size:14px;color:var(--navy);text-decoration:none;}
.nav-links a:hover{color:var(--gold-deep);}
@media(max-width:820px){.nav-links a:not(.btn){display:none;}}

.hero{padding:62px 0 52px;}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center;}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr;}}
.hero h1{font-size:clamp(34px,5.6vw,52px);font-weight:800;margin:14px 0 16px;}
.hero h1 span{color:var(--gold-deep);}
.hero p.lede{font-size:17.5px;max-width:33em;color:#4A4740;margin-bottom:26px;}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;}
.hero-social{margin-top:18px;font-size:14px;font-weight:600;}
.hero-social a{color:var(--teal);text-decoration:none;margin-right:16px;}
.pin-frame{position:relative;width:80%;max-width:320px;margin:0 auto;}
.pin-caption{text-align:center;margin-top:12px;font-weight:600;color:var(--navy);}
.pin-caption span{display:block;font-weight:400;font-size:13px;color:#7A756A;}

.trust{background:var(--navy);color:#fff;padding:20px 0;}
.trust-in{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;max-width:1040px;margin:0 auto;padding:0 22px;}
.trust b{font-family:var(--display);font-size:21px;color:var(--gold);display:block;line-height:1.1;}
.trust span{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:#D3D3CF;}

section{padding:64px 0;}
section h2{font-size:clamp(27px,4vw,36px);font-weight:800;margin:8px 0 12px;}
.sec-head{max-width:46em;margin-bottom:30px;}
.sec-head p{color:#4A4740;font-size:16px;}

/* team flow */
.flow{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:34px;}
@media(max-width:820px){.flow{grid-template-columns:1fr;}}
.step{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:24px 22px;position:relative;}
.step .num{position:absolute;top:-16px;left:22px;width:34px;height:34px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:var(--display);font-weight:800;font-size:17px;display:flex;align-items:center;justify-content:center;}
.step h3{font-size:19px;margin-top:8px;}
.step p{font-size:14.5px;color:#4A4740;margin-top:6px;}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
@media(max-width:820px){.team-grid{grid-template-columns:1fr;}}
.tcard{background:var(--navy);border-radius:18px;padding:26px 22px;color:#fff;text-align:center;}
.tcard .avatar{width:110px;height:110px;border-radius:50%;background:#fff;color:#8A8474;font-size:11px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;border:5px solid var(--gold);text-align:center;padding:8px;}
.tcard h3{color:#fff;font-size:21px;}
.tcard .role{color:var(--gold);font-weight:700;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;margin:4px 0 10px;}
.tcard p{font-size:13.5px;color:#DADAD6;}

/* programs */
.prog-band{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.prog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
@media(max-width:900px){.prog-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:620px){.prog-grid{grid-template-columns:1fr;}}
.pcard{border:1px solid var(--line);border-radius:14px;padding:20px 18px;background:var(--paper);}
.pcard .pin{width:18px;height:18px;border-radius:50% 50% 50% 0;transform:rotate(-45deg);background:var(--gold);margin-bottom:10px;}
.pcard h3{font-size:17px;margin-bottom:4px;}
.pcard .who{font-size:13.5px;color:#4A4740;margin-bottom:8px;}
.pcard .spec{font-size:12.5px;color:#6B6558;line-height:1.5;}
.pcard .spec b{color:var(--navy);}
.core{background:var(--navy);}
.core h3{color:#fff;}
.core .who{color:#DADAD6;}
.core .spec{color:#C0C0BB;}
.core .spec b{color:var(--gold);}

/* powered by */
.powered{background:var(--navy);color:#fff;padding:54px 0;}
.powered .grid{display:grid;grid-template-columns:auto 1fr;gap:32px;align-items:start;max-width:860px;margin:0 auto;padding:0 22px;}
@media(max-width:700px){.powered .grid{grid-template-columns:1fr;}}
.powered .badge{background:#fff;border-radius:14px;padding:12px 16px;}
.powered .badge img{height:68px;width:auto;}
.powered h2{color:#fff;margin-bottom:10px;}
.powered p{color:#DADAD6;font-size:15px;margin-bottom:10px;}
.powered p b{color:var(--gold);}

.cta-band{background:linear-gradient(120deg,var(--gold) 0%,var(--gold-deep) 100%);}
.cta-band .in{display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap;padding:42px 22px;max-width:1040px;margin:0 auto;}
.cta-band h2{color:var(--navy);margin:0;font-size:clamp(22px,3.2vw,30px);}
.cta-band p{color:#4A3E10;margin-top:6px;font-size:14.5px;}

footer{background:var(--navy);color:#D3D3CF;padding:48px 0 38px;font-size:12.5px;line-height:1.7;}
footer .cols{display:grid;grid-template-columns:auto 1fr;gap:32px;align-items:start;margin-bottom:26px;}
@media(max-width:700px){footer .cols{grid-template-columns:1fr;}}
footer .chip{background:#fff;border-radius:12px;padding:10px 16px;display:inline-block;}
footer .chip img{height:62px;width:auto;}
footer .legal{border-top:1px solid #4C4D4C;padding-top:20px;}
footer b{color:#fff;}
.eh{display:inline-flex;align-items:center;gap:8px;margin-top:10px;font-weight:600;color:#fff;}

/* doc checklist */
.docs{background:var(--paper);}
.doc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;}
@media(max-width:760px){.doc-grid{grid-template-columns:1fr;}}
.dcard{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:22px 20px;}
.dcard h3{font-size:17px;margin-bottom:10px;}
.dcard ul{list-style:none;}
.dcard li{padding-left:26px;position:relative;font-size:14px;color:#4A4740;margin-bottom:7px;line-height:1.45;}
.dcard li::before{content:'\2713';position:absolute;left:0;top:0;width:17px;height:17px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;font-size:11px;display:flex;align-items:center;justify-content:center;}
.doc-tip{margin-top:18px;background:var(--navy);color:#fff;border-radius:14px;padding:18px 22px;font-size:14.5px;}
.doc-tip b{color:var(--gold);}

/* anthem */
.anthem{background:var(--navy);color:#fff;padding:58px 0;}
.anthem .in{max-width:640px;margin:0 auto;padding:0 22px;}
.anthem .eyebrow2{font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:#C0C0BB;font-weight:700;margin-bottom:26px;}
.anthem .row{display:flex;gap:16px;align-items:flex-start;margin-bottom:18px;}
.anthem .apin{flex:none;width:24px;height:24px;border-radius:50% 50% 50% 0;transform:rotate(-45deg);background:var(--gold);margin-top:6px;}
.anthem .row h3{font-family:var(--display);font-weight:800;font-size:clamp(19px,3.4vw,26px);color:#fff;line-height:1.2;}
.anthem .row p{font-size:14px;color:#D3D3CF;margin-top:2px;}
.anthem .closer{margin-top:30px;background:var(--gold);color:var(--navy);border-radius:16px;padding:20px 24px;text-align:center;font-family:var(--display);font-weight:800;font-size:clamp(24px,4.6vw,36px);}
.anthem .closer small{display:block;font-family:var(--body);font-weight:600;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:#4A3E10;margin-top:4px;}
/* reviews */
.reviews{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
@media(max-width:800px){.rev-grid{grid-template-columns:1fr;}}
.rcard{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:22px 20px;}
.rcard .stars{color:var(--gold-deep);font-size:16px;letter-spacing:2px;margin-bottom:8px;}
.rcard p{font-size:14.5px;color:#4A4740;font-style:italic;}
.rcard .who{margin-top:10px;font-weight:700;font-size:13px;color:var(--navy);font-style:normal;}
/* faq */
.faq details{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:10px;}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:15.5px;}
.faq details p{margin-top:10px;font-size:14.5px;color:#4A4740;}
/* builders */
.builders{background:var(--paper);text-align:center;padding:34px 0;border-bottom:1px solid var(--line);}
.builders .eyebrow{margin-bottom:12px;}
.builders a{display:inline-block;margin:6px 12px;font-family:var(--display);font-weight:800;font-size:20px;color:var(--navy);text-decoration:none;border-bottom:3px solid var(--gold);}
/* offices */
.offices{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:22px;}
@media(max-width:860px){.offices{grid-template-columns:repeat(2,1fr);}}
@media(max-width:520px){.offices{grid-template-columns:1fr;}}
.ocard{background:#3F403F;border:1px solid #4C4D4C;border-radius:12px;padding:14px 16px;font-size:12.5px;color:#DADAD6;}
.ocard b{color:var(--gold);display:block;font-size:13px;margin-bottom:4px;}
.habla{display:inline-block;background:var(--teal);color:#fff;font-weight:700;font-size:13px;border-radius:999px;padding:7px 16px;margin-top:14px;}

/* rate 101 */
.rate{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.rate .links a{display:inline-block;margin:4px 14px 4px 0;font-weight:700;color:var(--navy);text-decoration:none;border-bottom:3px solid var(--gold);}
.rate .promise{margin-top:20px;background:var(--navy);color:#fff;border-radius:14px;padding:20px 24px;font-size:15px;}
.rate .promise b{color:var(--gold);}
.rate .fine2{margin-top:12px;font-size:11.5px;color:#8A8577;}
/* about tania */
.about{background:var(--paper);}
.about blockquote{font-family:var(--display);font-weight:800;font-size:clamp(21px,3.4vw,28px);color:var(--navy);line-height:1.3;margin-bottom:16px;}
.about .profile{margin-top:18px;border-left:4px solid var(--gold);padding-left:18px;}
.about .profile p{font-size:14.5px;color:#4A4740;margin-bottom:8px;}
/* ask band */
.ask{background:var(--navy);color:#fff;padding:44px 0;}
.ask .in{max-width:1040px;margin:0 auto;padding:0 22px;display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap;}
.ask h2{color:#fff;margin:0;font-size:clamp(21px,3vw,27px);}
.ask p{color:#D3D3CF;font-size:13px;margin-top:8px;max-width:34em;}

/* rates board */
.rates{background:var(--paper);}
.rate-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}
@media(max-width:900px){.rate-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:540px){.rate-grid{grid-template-columns:1fr;}}
.ratecard{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:24px 20px;text-align:center;position:relative;}
.ratecard.pop{border:2px solid var(--gold);}
.ratecard .flag{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:var(--gold);color:var(--navy);font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;border-radius:999px;padding:4px 12px;}
.ratecard h3{font-size:18px;}
.ratecard .sub{font-size:12.5px;color:#7A756A;margin:4px 0 12px;}
.ratecard .big{font-family:var(--display);font-weight:800;font-size:38px;color:var(--navy);line-height:1;}
.ratecard .apr{font-size:12.5px;color:#7A756A;margin:6px 0 14px;}
.ratecard .btn{padding:10px 18px;font-size:13.5px;}
.rates .fine3{margin-top:18px;font-size:10.5px;line-height:1.6;color:#8A8577;}
/* contact */
.contact{background:var(--white);border-top:1px solid var(--line);}
.contact .grid2{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
@media(max-width:760px){.contact .grid2{grid-template-columns:1fr;}}
.ccard{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:26px 24px;}
.ccard h3{font-size:19px;margin-bottom:12px;}
.ccard p{font-size:14.5px;color:#4A4740;margin-bottom:8px;}
.ccard a{color:var(--teal);font-weight:600;text-decoration:none;}
.ccard .big-line{font-family:var(--display);font-weight:800;font-size:24px;color:var(--navy);}

/* pathways */
.paths{background:var(--paper);padding:46px 0 40px;}
.path-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;}
@media(max-width:860px){.path-grid{grid-template-columns:repeat(2,1fr);}}
.pchip{display:block;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:16px 14px;text-decoration:none;color:var(--navy);font-weight:700;font-size:14px;text-align:center;transition:transform .12s ease;}
.pchip:hover{transform:translateY(-2px);border-color:var(--gold);}
.pchip span{display:block;font-size:20px;margin-bottom:4px;}
/* hero stars */
.hero-stars{margin-top:16px;font-weight:700;color:var(--navy);font-size:14.5px;}
.hero-stars a{color:var(--navy);text-decoration:none;}
.hero-stars .st{color:var(--gold-deep);letter-spacing:2px;}
/* second opinion */
.second{background:var(--navy);color:#fff;}
.second .wrap{padding-top:56px;padding-bottom:56px;}
.second h2{color:#fff;}
.second p{color:#D3D3CF;font-size:15px;}
.second ul{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:18px 0 22px;}
@media(max-width:760px){.second ul{grid-template-columns:1fr 1fr;}}
.second li{border:1px solid #4C4D4C;border-radius:999px;padding:8px 14px;font-size:13.5px;text-align:center;color:#E6E6E2;}
/* va section */
.va{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.va .lead{font-family:var(--display);font-weight:800;font-size:clamp(20px,3vw,26px);color:var(--navy);margin-bottom:18px;}
.va details{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:8px;}
.va summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:15px;}
.va details p{margin-top:8px;font-size:14px;color:#4A4740;}
/* dpa block */
.dpa{background:var(--gold);padding:40px 0;}
.dpa .in{max-width:1040px;margin:0 auto;padding:0 22px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;}
.dpa h2{color:var(--navy);margin:0;font-size:clamp(21px,3vw,27px);}
.dpa p{color:#4A3E10;font-size:14px;margin-top:6px;}
/* lead form */
.lead-form{background:var(--paper);}
.lf-card{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:30px 26px;max-width:640px;}
.lf-card label{display:block;font-weight:700;font-size:13px;color:var(--navy);margin:14px 0 6px;}
.lf-card input,.lf-card select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-family:var(--body);font-size:15px;background:var(--paper);}
.lf-card button{margin-top:20px;width:100%;background:var(--gold);color:var(--navy);font-weight:800;font-size:16px;border:none;border-radius:999px;padding:15px;cursor:pointer;font-family:var(--body);}
.lf-note{font-size:11.5px;color:#8A8577;margin-top:10px;}
/* emotional */
.emo{background:var(--white);border-top:1px solid var(--line);text-align:center;}
.emo .wrap{max-width:720px;padding-top:64px;padding-bottom:64px;}
.emo h2{font-size:clamp(26px,4vw,36px);}
.emo p{color:#4A4740;font-size:16.5px;margin-top:14px;}
/* mobile action bar */
.mbar{display:none;}
@media(max-width:760px){
  body{padding-bottom:64px;}
  .mbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--navy);border-top:2px solid var(--gold);}
  .mbar a{flex:1;text-align:center;padding:15px 0;color:#fff;font-weight:800;font-size:14.5px;text-decoration:none;border-right:1px solid #4C4D4C;}
  .mbar a:last-child{border-right:none;background:var(--gold);color:var(--navy);}
}
.nav-phone{font-weight:800;color:var(--navy);text-decoration:none;font-size:14.5px;white-space:nowrap;}

.take{background:var(--paper);border-left:5px solid var(--gold);border-radius:0 12px 12px 0;padding:14px 18px;margin:18px 0;font-size:14px;color:#4A4740;}
.take b{color:var(--navy);font-family:var(--display);}
.tl{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px;}
.tl .t{background:var(--white);border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-size:13.5px;font-weight:700;color:var(--navy);}
.tl .t i{font-style:normal;color:var(--gold-deep);margin-right:6px;font-family:var(--display);}
.assume{background:var(--navy);color:#fff;}
.assume .wrap{padding-top:60px;padding-bottom:60px;}
.assume h2{color:#fff;}
.assume .ag{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:24px 0;}
@media(max-width:800px){.assume .ag{grid-template-columns:1fr 1fr;}}
.assume .ac{border:1px solid #4C4D4C;border-radius:12px;padding:16px;text-align:center;}
.assume .ac p{color:#E6E6E2;font-size:14px;font-weight:600;}
.assume .ac span{display:block;color:var(--gold);font-family:var(--display);font-weight:800;margin-top:6px;font-size:13px;letter-spacing:.06em;text-transform:uppercase;}
.story-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;}
@media(max-width:760px){.story-grid{grid-template-columns:1fr;}}
.scard{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:22px 20px;font-size:13.5px;color:#4A4740;}
.scard h3{font-size:16.5px;margin-bottom:8px;}
.scard b{color:var(--navy);}
.qz .lf-card{max-width:680px;}
.qz select,.qz input{margin-bottom:2px;}
.qresult{display:none;margin-top:16px;background:var(--paper);border:1px solid var(--gold);border-radius:12px;padding:16px;font-weight:700;color:var(--navy);}

:root{color-scheme:light only;}
html{background:#FBF9F4;}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px;}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--navy);font-weight:800;padding:12px 18px;z-index:100;}
.skip:focus{left:10px;top:10px;}
/* resource center */
.rc{background:var(--paper);border-top:1px solid var(--line);}
.rc details.rc-item{background:var(--white);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden;}
.rc details.rc-item>summary{cursor:pointer;font-family:var(--display);font-weight:800;font-size:17px;color:var(--navy);padding:18px 22px;list-style-position:inside;}
.rc details.rc-item>summary:hover{color:var(--gold-deep);}
.rc details.rc-item>.rc-body>section, .rc details.rc-item>.rc-body>div{border:none;}
.rc .rc-body section{padding:8px 0 26px;}
.rc .rc-body .wrap{padding-left:22px;padding-right:22px;max-width:none;}
/* mobile menu */
.menu-btn{display:none;background:none;border:2px solid var(--navy);border-radius:8px;padding:7px 12px;font-weight:800;color:var(--navy);font-family:var(--body);font-size:14px;cursor:pointer;}
@media(max-width:820px){
  .menu-btn{display:inline-block;}
  .nav-links a:not(.btn){display:none;}
  .nav-links.open{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);display:flex;flex-direction:column;padding:14px 22px;gap:14px;}
  .nav-links.open a:not(.btn){display:block;font-size:16px;}
  nav{position:sticky;}
  .nav-in{position:relative;}
}

/* ---- landing pages ---- */
.pmore{display:inline-block;margin-top:10px;font-size:13px;font-weight:700;color:var(--teal);text-decoration:none;}
.pmore:hover{color:var(--gold-deep);}
.guides{background:var(--paper);padding:48px 0 44px;}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:6px;}
.gcard{display:block;background:var(--white);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;text-decoration:none;color:var(--navy);transition:transform .12s ease,border-color .12s ease;}
.gcard:hover{transform:translateY(-2px);border-color:var(--gold);}
.gcard b{display:block;font-family:var(--display);font-size:18px;line-height:1.2;}
.gcard span{display:block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#6B6558;margin-top:4px;}
@media(max-width:860px){.guide-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:540px){.guide-grid{grid-template-columns:1fr;}}

.sub-hero{padding:40px 0 46px;background:var(--white);border-bottom:1px solid var(--line);}
.sub-hero .lede{max-width:40em;}
.crumbs{font-size:13px;color:#6B6558;margin-bottom:18px;}
.crumbs a{color:var(--teal);text-decoration:none;font-weight:600;}
.crumbs a:hover{text-decoration:underline;}
.sub-sec{padding:52px 0;}
.sub-sec.alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.sub-sec h2{max-width:24em;}
.sub-sec p{max-width:44em;color:#4A4740;margin-bottom:12px;font-size:16px;}
.sub-sec a{color:var(--teal);}
.sub-sec .prog-grid{margin:18px 0 6px;}
.fine{font-size:12.5px!important;color:#7A756A!important;}

.checks{list-style:none;margin:14px 0 6px;max-width:44em;}
.checks li{position:relative;padding:8px 0 8px 30px;border-bottom:1px solid var(--line);font-size:15.5px;}
.checks li:last-child{border-bottom:none;}
.checks li::before{content:"";position:absolute;left:4px;top:15px;width:12px;height:12px;border-radius:50% 50% 50% 0;transform:rotate(-45deg);background:var(--gold);}

.tbl-wrap{overflow-x:auto;margin:16px 0 10px;border:1px solid var(--line);border-radius:14px;background:var(--white);}
.tbl{width:100%;border-collapse:collapse;font-size:14.5px;min-width:620px;}
.tbl th{background:var(--navy);color:#fff;text-align:left;font-weight:700;padding:12px 14px;font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;}
.tbl td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top;color:#4A4740;}
.tbl td:last-child{font-weight:800;color:var(--navy);white-space:nowrap;}
.tbl tr:nth-child(even) td{background:var(--paper);}
.tbl a{color:var(--navy);text-decoration:none;border-bottom:2px solid var(--gold);}

.formula{display:inline-block;background:var(--navy);color:#fff;border-radius:12px;padding:14px 22px;font-size:17px;margin:6px 0 16px;}
.formula b{color:var(--gold);font-family:var(--display);font-size:20px;}
.snap{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:16px 0 18px;}
.snap div{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:16px;}
.snap b{display:block;font-family:var(--display);font-size:22px;color:var(--navy);line-height:1.15;}
.snap span{font-size:12.5px;color:#6B6558;}
@media(max-width:760px){.snap{grid-template-columns:1fr 1fr;}}

.calc{max-width:440px;background:var(--paper);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:20px 22px;margin-top:8px;}
.calc h3{font-size:19px;margin-bottom:10px;}
.calc-row{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px;}
.calc-row label{font-size:14px;font-weight:600;}
.calc-row input{width:150px;padding:10px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;font-size:16px;background:#fff;}
.calc-out{font-family:var(--display);font-size:19px;line-height:1.3;color:var(--navy);margin:6px 0 4px;}
.calc-note{font-size:12px!important;color:#7A756A!important;margin:0!important;}

.offices-light .ocard{background:var(--white);border-color:var(--line);color:#4A4740;font-size:14px;}
.offices-light .ocard b{color:var(--gold-deep);font-size:15px;}

.lic{margin:26px 0;background:#F3F7F7;border:1px solid #CFE3E3;border-radius:12px;padding:14px 18px;font-size:13px;color:#4A4740;}
.lic a{color:var(--teal);}
.lic-foot{border-top:1px solid #4C4D4C;padding:16px 0 4px;margin-top:6px;color:#D3D3CF;}
.lic-foot a{color:#E6E6E2;}

.confirm{background:#FFF1B8;border:2px dashed #C8991C;border-radius:6px;padding:1px 6px;font-size:.8em;color:#5A4300;font-weight:800;}