:root{
 --cream:#FAF6ED;--cream2:#F3ECDD;--estate:#26382C;--estate-d:#1C2A21;--hunter:#355E3B;
 --gold:#A9852F;--gold-h:#C4A25A;--champ:#D8C08A;--mauve:#8A544E;--rose:#B87F76;--rose-lt:#E2C3BB;--blush:#F5E9E2;
 --ink:#3B362F;--greige:#8C8676;--hair:rgba(169,133,47,.30);--hair-d:rgba(216,192,138,.28);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--cream);color:var(--ink);font-family:'EB Garamond',Georgia,serif;font-size:19px;line-height:1.62;-webkit-font-smoothing:antialiased}
.wrap{max-width:1120px;margin:0 auto;padding:0 clamp(20px,5vw,52px)}
.center{text-align:center}
h1,h2,h3,h4{font-family:'Cormorant Garamond',Georgia,serif;font-weight:500;line-height:1.08;color:var(--estate)}
a{color:var(--mauve)}
.eyebrow{font-family:'Jost',sans-serif;text-transform:uppercase;letter-spacing:.28em;font-size:.76rem;color:var(--gold);font-weight:400}
.s-eyebrow{font-family:'Cinzel',serif;text-transform:uppercase;letter-spacing:.2em;font-size:.86rem;color:var(--estate);font-weight:600}
.champ{color:var(--champ)!important}.on-dark{color:var(--cream)!important}
.lead{color:var(--ink);font-size:1.1rem}.lead-dark{color:#d9d3c4;font-size:1.08rem}
.btn{font-family:'Jost',sans-serif;text-transform:uppercase;letter-spacing:.15em;font-size:.82rem;padding:.85em 1.6em;display:inline-block;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .2s,background .2s,color .2s}
.btn:hover{transform:translateY(-2px)}
.btn-green{background:var(--estate);color:var(--cream);border-color:var(--estate)}.btn-green:hover{background:var(--hunter)}
.btn-gold{background:var(--gold);color:#fff;border-color:var(--gold)}.btn-gold:hover{background:var(--mauve)}
.btn-outline{background:transparent;color:var(--estate);border-color:var(--estate)}.btn-outline:hover{background:var(--estate);color:var(--cream)}
.btn-lt{background:transparent;color:var(--champ);border-color:var(--champ)}.btn-lt:hover{background:var(--champ);color:var(--estate-d)}

/* NAV */
.nav{position:sticky;top:0;z-index:60;background:rgba(250,246,237,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--hair)}
.nav-in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px clamp(20px,5vw,52px)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.crest{width:38px;height:38px;flex:none}
.brand .bw{font-family:'Cinzel',serif;font-weight:600;letter-spacing:.14em;color:var(--estate);font-size:1.02rem;line-height:1}
.brand .the{display:block;font-size:.5em;letter-spacing:.4em;color:var(--gold)}
.links{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}
.links a.lnk{font-family:'Jost',sans-serif;text-transform:uppercase;letter-spacing:.11em;font-size:.76rem;color:var(--ink);text-decoration:none;padding:6px 10px;border-bottom:1px solid transparent}
.links a.lnk:hover,.links a.lnk[aria-current]{color:var(--estate);border-bottom-color:var(--gold)}
.links a.lnk[href='refer.html'],.links a.lnk[href='contact.html']{color:var(--estate)}
.actions{display:flex;align-items:center;gap:9px;margin-left:6px}
.actions .btn{padding:.6em 1.05em;font-size:.68rem}
.menu-btn{display:none;background:none;border:1px solid var(--hair);color:var(--estate);font-size:1.3rem;line-height:1;padding:6px 11px;cursor:pointer}
@media(max-width:1160px){
 .menu-btn{display:block}
 .links{position:absolute;top:100%;left:0;right:0;background:var(--cream);border-bottom:1px solid var(--hair);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;display:none}
 .links.open{display:flex}
 .links a.lnk{padding:12px clamp(20px,5vw,52px)}
 .actions{flex-direction:column;align-items:stretch;gap:8px;padding:10px clamp(20px,5vw,52px) 14px;margin:0}
 .actions .btn{text-align:center;padding:.8em 1em;font-size:.72rem}
}

/* HERO */
.hero{background:radial-gradient(120% 120% at 50% 0%, #FCF7EF 0%, var(--cream) 46%, var(--blush) 100%);padding:clamp(56px,9vw,104px) 0 clamp(44px,6vw,72px);text-align:center;position:relative}
.hero .eyebrow{margin-bottom:16px}
.hero h1{font-size:clamp(2.2rem,5.6vw,3.7rem);max-width:20ch;margin:0 auto;font-style:italic;font-weight:500}
.hero p.sub{color:var(--ink);font-size:clamp(1.05rem,2.3vw,1.28rem);max-width:56ch;margin:20px auto 0}
.hero .cta-row{margin-top:30px;display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.rule-d{display:inline-flex;align-items:center;gap:12px;justify-content:center;margin:18px auto 0;color:var(--gold)}
.rule-d::before,.rule-d::after{content:"";height:1px;width:52px;background:var(--gold-h)}

/* TRUST */
.trust{background:var(--estate);color:var(--cream)}
.trust-in{display:flex;flex-wrap:wrap;justify-content:center;padding:18px 0}
.trust-in>div{flex:1;min-width:150px;text-align:center;padding:6px 14px;position:relative}
.trust-in>div+div::before{content:"";position:absolute;left:0;top:16%;height:68%;width:1px;background:rgba(216,192,138,.3)}
.trust-in b{display:block;font-family:'Cormorant Garamond',serif;font-weight:500;color:var(--champ);font-size:1.18rem}
.trust-in span{font-family:'Jost',sans-serif;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:#c9c2b2}
@media(max-width:680px){.trust-in>div{flex:1 1 46%}.trust-in>div+div::before{display:none}}

.sec{padding:clamp(56px,8vw,92px) 0}
.sec-head{max-width:66ch;margin:0 auto 44px;text-align:center}
.sec-head .s-eyebrow{margin-bottom:12px;display:block}
.sec-head h2{font-size:clamp(2rem,4.6vw,2.9rem)}
.sec-head p{color:var(--ink);margin-top:14px}
.alt{background:var(--cream2)}
.blush{background:var(--blush)}

/* CARDS */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--hair);border:1px solid var(--hair)}
.card{background:var(--cream);padding:clamp(24px,3.4vw,38px)}
.card .n{font-family:'Cinzel',serif;color:var(--gold);font-size:1rem;letter-spacing:.16em}
.card h3{font-size:1.5rem;margin:6px 0 8px}
.card p{color:var(--ink);font-size:1.06rem}
@media(max-width:820px){.cards{grid-template-columns:1fr}}

/* BAND (estate feature) */
.band{background:var(--estate-d);color:var(--cream);text-align:center;padding:clamp(58px,9vw,100px) 0}
.band h2{color:var(--cream);font-size:clamp(2rem,5vw,3.1rem);max-width:20ch;margin:0 auto 18px}
.band p.lead-dark{max-width:60ch;margin:0 auto 40px}
.flow{display:flex;align-items:stretch;justify-content:center;max-width:980px;margin:0 auto}
.flow .node{flex:1;border:1px solid var(--hair-d);padding:20px 14px;display:flex;align-items:center;justify-content:center;font-size:.94rem;color:#e6dfce;min-height:96px}
.flow .node.here{background:var(--gold);color:var(--estate-d);border-color:var(--gold);font-family:'Cormorant Garamond',serif;font-weight:600;font-size:1.2rem}
.flow .node.gap{border-style:dashed;border-color:var(--rose);color:var(--rose-lt)}
.flow .arrow{display:flex;align-items:center;color:var(--gold);font-size:1.4rem;padding:0 6px}
.band .pull{font-family:'Cormorant Garamond',serif;font-style:italic;font-size:clamp(1.5rem,4vw,2.3rem);color:var(--champ);margin-top:46px}
@media(max-width:760px){.flow{flex-direction:column}.flow .arrow{transform:rotate(90deg);padding:6px 0}}

/* FIT grid */
.two{display:grid;grid-template-columns:1fr 1fr;gap:36px}
@media(max-width:760px){.two{grid-template-columns:1fr;gap:26px}}
.fitcol h3{font-size:1.4rem;margin-bottom:12px;padding-bottom:10px;border-bottom:2px solid var(--gold)}
.fitcol ul{list-style:none}
.fitcol li{padding:9px 0 9px 26px;position:relative;color:var(--ink);font-size:1.07rem}
.fitcol.yes li::before{content:"\2713";position:absolute;left:0;color:var(--hunter);font-weight:bold}
.fitcol.no li::before{content:"\00d7";position:absolute;left:0;color:var(--greige)}

/* STEPS */
.steps{display:grid;gap:22px}
.steps.g3{grid-template-columns:repeat(3,1fr)}
.steps.g2{grid-template-columns:repeat(2,1fr)}
.step{border-top:1px solid var(--hair);padding-top:14px}
.step .rn{font-family:'Cinzel',serif;color:var(--gold);font-size:1.15rem;letter-spacing:.14em}
.step h3{font-size:1.3rem;margin:6px 0 5px}
.step p{color:var(--ink);font-size:1.05rem}
@media(max-width:820px){.steps.g3{grid-template-columns:1fr}.steps.g2{grid-template-columns:1fr}}

/* SIMPLE LISTS / PAYORS */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.grid2 .box{border:1px solid var(--hair);padding:22px 24px;background:var(--cream)}
.grid2 .box h4{font-size:1.35rem;color:var(--mauve);margin-bottom:5px}
.grid2 .box p{color:var(--ink);font-size:1.05rem}
@media(max-width:640px){.grid2{grid-template-columns:1fr}}

/* ROUTER (contact) */
.router{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.router a{display:block;text-decoration:none;border:1px solid var(--hair);background:var(--cream);padding:26px 28px;transition:border-color .2s,transform .2s}
.router a:hover{border-color:var(--gold);transform:translateY(-2px)}
.router .k{font-family:'Cinzel',serif;color:var(--estate);font-size:1.3rem}
.router .v{color:var(--mauve);font-family:'Jost',sans-serif;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-top:8px}
@media(max-width:640px){.router{grid-template-columns:1fr}}

/* FAQ */
.faq details{border-bottom:1px solid var(--hair)}
.faq summary{cursor:pointer;list-style:none;padding:18px 0;font-family:'Cormorant Garamond',serif;font-size:1.3rem;color:var(--estate);display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-family:'Jost',sans-serif;font-size:1.3rem}
.faq details[open] summary::after{content:"\2212"}
.faq .a{padding:0 0 18px;color:var(--ink)}

/* FORM */
.form{max-width:640px;margin:0 auto;display:grid;gap:14px}
.form label,.form .glabel{font-family:'Jost',sans-serif;font-size:.77rem;letter-spacing:.12em;text-transform:uppercase;color:var(--greige);display:block;margin-bottom:5px}
.form input,.form select,.form textarea{width:100%;border:1px solid var(--hair);background:var(--cream);padding:11px 13px;font-family:'EB Garamond',serif;font-size:1rem;color:var(--ink)}
.form textarea{min-height:120px;resize:vertical}
.contact-lines{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 40px;margin-top:8px}
.contact-lines .lbl{display:block;font-family:'Jost',sans-serif;font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:4px}
.contact-lines a{color:var(--estate);text-decoration:none}

.imgph{background:repeating-linear-gradient(45deg,var(--cream2),var(--cream2) 12px,var(--blush) 12px,var(--blush) 24px);border:1px solid var(--hair);min-height:210px;display:flex;align-items:center;justify-content:center;color:var(--greige);font-family:'Jost',sans-serif;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;text-align:center;padding:16px}

/* FOOTER */
.foot{background:var(--estate-d);color:#b8af99;text-align:center;padding:48px 0 40px;border-top:3px solid var(--gold)}
.foot .crest{width:46px;height:46px;margin:0 auto 12px;display:block}
.foot .fw{font-family:'Cinzel',serif;letter-spacing:.16em;color:var(--cream);font-size:1.2rem}
.foot .fw .the{color:var(--gold);font-size:.55em;letter-spacing:.4em}
.foot-links{margin:18px auto;max-width:760px;line-height:2}
.foot-links a{font-family:'Jost',sans-serif;font-size:.79rem;letter-spacing:.1em;text-transform:uppercase;color:var(--champ);text-decoration:none;margin:0 10px;white-space:nowrap}
.foot-links a:hover{color:#fff}
.foot .fc{color:#cabfa9;font-size:.98rem;margin-top:4px}
.foot .fc a{color:var(--champ);text-decoration:none}
.foot .fine{font-size:.8rem;color:#726c5c;margin-top:12px;line-height:1.7}

.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:640px){.fgrid{grid-template-columns:1fr}}
.form fieldset{border:1px solid var(--hair);padding:16px 20px 20px;margin:0}
.form legend{font-family:'Cinzel',serif;letter-spacing:.16em;text-transform:uppercase;font-size:.85rem;color:var(--estate);padding:0 8px}
.form .full{grid-column:1/-1}
.checks{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:4px}
.checks label{display:inline-flex;align-items:center;gap:7px;text-transform:none;letter-spacing:0;font-family:'EB Garamond',serif;font-size:1rem;color:var(--ink);margin:0}
.checks input{width:auto;padding:0}
.formnote{font-size:.93rem;color:var(--greige)}
.success{display:none;background:var(--blush);border:1px solid var(--gold);padding:22px 24px;color:var(--estate);font-size:1.12rem;font-family:'Cormorant Garamond',serif}
.btnrow{display:flex;gap:12px;flex-wrap:wrap;margin-top:4px}
.privacy{background:var(--cream2);border-left:3px solid var(--gold);padding:12px 16px;font-size:.97rem;color:var(--ink)}
.formstatus{font-size:.99rem;color:var(--mauve);margin-top:2px}
.formstatus:empty{display:none}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* Form cells align on the control, not the label, so boxes sit level
   even when one label wraps to two lines. */
.fgrid>div{display:flex;flex-direction:column}
.fgrid>div>label{margin-bottom:auto;padding-bottom:6px}

.gsignin{border:1px solid var(--hair);background:var(--cream2);padding:16px 18px;text-align:center}
.gsignin-note{font-size:.97rem;color:var(--ink);margin-bottom:12px}
.gsignin #google-button{display:flex;justify-content:center}

.refblock{border:1px solid var(--hair);padding:16px 18px 18px;margin-bottom:14px}
.refblock:last-child{margin-bottom:0}
.refnum{display:block;font-family:'Cinzel',serif;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;color:var(--gold);margin-bottom:12px}

.form input[type=file]{padding:9px 11px;background:var(--cream2);cursor:pointer;font-family:'Jost',sans-serif;font-size:.9rem}
.form input[type=file]::file-selector-button{font-family:'Jost',sans-serif;text-transform:uppercase;letter-spacing:.12em;font-size:.74rem;padding:.6em 1.1em;margin-right:14px;border:1px solid var(--estate);background:var(--estate);color:var(--cream);cursor:pointer}
.form input[type=file]::file-selector-button:hover{background:var(--hunter)}