:root{
  --navy:#0f2747; --navy-2:#1b3a66; --navy-3:#2b4f82;
  --accent:#e7a95b; --accent-d:#c9873a;
  --ink:#1c2533; --muted:#5b6678; --line:#e3e8ef;
  --bg:#ffffff; --bg-alt:#f5f7fa;
  --radius:14px; --shadow:0 10px 30px rgba(15,39,71,.10);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --serif:Georgia,"Times New Roman",serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:1rem}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2)}
a:hover{color:var(--accent-d)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,6vw,3.2rem)}
h2{font-size:clamp(1.6rem,4.5vw,2.3rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--accent);color:var(--navy);padding:10px 16px;z-index:100;font-weight:700}
.skip-link:focus{left:10px;top:10px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--accent-d);margin-bottom:.6em}
.eyebrow-light{color:var(--accent)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4em;font-weight:700;text-decoration:none;border-radius:999px;padding:.75em 1.4em;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:background .2s,color .2s,transform .1s;text-align:center}
.btn:active{transform:translateY(1px)}
.btn-accent{background:var(--accent);color:var(--navy)}
.btn-accent:hover{background:#f0bb76;color:var(--navy)}
.btn-ghost{border-color:rgba(255,255,255,.7);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-sm{padding:.5em 1.1em;font-size:.92rem}
.btn-lg{padding:.9em 1.7em;font-size:1.05rem}
.btn-block{width:100%}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(6px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand-text{display:flex;flex-direction:column;line-height:1.2}
.brand-name{font-family:var(--serif);font-weight:700;font-size:1.2rem;color:var(--navy)}
.brand-sub{font-size:.75rem;color:var(--muted)}
.nav-toggle{display:flex;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);transition:transform .2s,opacity .2s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;padding:8px 20px 20px;box-shadow:var(--shadow)}
.site-nav.open{display:flex}
.site-nav a{text-decoration:none;color:var(--navy);font-weight:600;padding:12px 0;border-bottom:1px solid var(--line)}
.site-nav a.btn{margin-top:14px;border-bottom:0;padding:.75em 1.4em}
@media (min-width:900px){
  .nav-toggle{display:none}
  .site-nav{display:flex;position:static;flex-direction:row;align-items:center;gap:24px;padding:0;border:0;box-shadow:none;background:none}
  .site-nav a{border:0;padding:6px 0;font-size:.95rem}
  .site-nav a:not(.btn):hover{color:var(--accent-d)}
  .site-nav a.btn{margin:0;padding:.5em 1.1em}
}

/* Hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,var(--navy-3) 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,#0b1d36 100%);color:#fff;padding:48px 0 56px}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--accent)}
.hero .lead{font-size:1.1rem;color:#d6e0ee;max-width:38em}
.hero-grid{display:grid;gap:36px;align-items:center}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 28px}
.hero-ctas .btn{flex:1 1 220px}
.trust-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.trust-list li{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:10px 12px;display:flex;flex-direction:column}
.trust-list strong{color:var(--accent);font-size:.92rem}
.trust-list span{font-size:.78rem;color:#c3cfdf}
.hero-card{background:#fff;color:var(--ink);border-radius:18px;overflow:hidden;box-shadow:0 20px 50px rgba(0,0,0,.35);max-width:360px;margin:0 auto;width:100%}
.headshot{width:100%;aspect-ratio:5/6;object-fit:cover}
.hero-card-body{padding:16px 20px 20px;border-top:4px solid var(--accent)}
.hc-name{font-family:var(--serif);font-size:1.3rem;font-weight:700;color:var(--navy);margin:0}
.hc-role{margin:0;color:var(--muted)}
.hc-co{margin:.3em 0 0;font-size:.88rem;color:var(--navy-2);font-weight:600}
@media (max-width:420px){.trust-list{grid-template-columns:1fr}.trust-list li{flex-direction:row;justify-content:space-between;align-items:center;gap:8px}}
@media (min-width:900px){
  .hero{padding:80px 0 88px}
  .hero-grid{grid-template-columns:1.35fr 1fr;gap:56px}
  .hero-ctas .btn{flex:0 0 auto}
}

/* Sections */
.section{padding:64px 0}
.section-alt{background:var(--bg-alt)}
.section-navy{background:var(--navy);color:#e3eaf4}
.section-navy h2{color:#fff}
.section-head{max-width:720px;margin-bottom:36px}
.section-head p:last-child{color:var(--muted)}
@media (min-width:900px){.section{padding:88px 0}}

.about-grid{display:grid;gap:20px}
.about-copy p{color:#3a4557;font-size:1.05rem}
@media (min-width:900px){.about-grid{grid-template-columns:1fr 1.6fr;gap:56px}}

/* Cards */
.cards{display:grid;gap:18px;grid-template-columns:1fr}
@media (min-width:620px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:980px){.cards{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 2px 6px rgba(15,39,71,.04);transition:box-shadow .2s,transform .2s;border-top:4px solid var(--navy)}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card p{color:var(--muted);margin:0}
.card-icon{width:46px;height:46px;border-radius:12px;background:#fdf1e1;display:grid;place-items:center;margin-bottom:14px}
.card-icon svg{width:24px;height:24px;fill:none;stroke:var(--accent-d);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.fine{font-size:.85rem;color:var(--muted);margin-top:24px}

/* Steps */
.steps{list-style:none;padding:0;margin:0;display:grid;gap:18px;counter-reset:s}
@media (min-width:860px){.steps{grid-template-columns:repeat(3,1fr);gap:28px}}
.step{position:relative;background:var(--bg-alt);border-radius:var(--radius);padding:28px 24px}
.step p{color:var(--muted);margin:0}
.step-num{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--accent);font-family:var(--serif);font-weight:700;font-size:1.25rem;margin-bottom:14px}

/* Form */
.form-grid{display:grid;gap:32px;align-items:start}
@media (min-width:900px){.form-grid{grid-template-columns:1fr 1.25fr;gap:56px}}
.form-intro p{color:#c9d5e5;font-size:1.05rem}
.checks{list-style:none;padding:0;margin:20px 0 0}
.checks li{position:relative;padding-left:30px;margin-bottom:10px;color:#fff}
.checks li::before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:var(--accent);color:var(--navy);font-size:.75rem;font-weight:800;display:grid;place-items:center;margin-top:3px}
.form-card{background:#fff;color:var(--ink);border-radius:18px;padding:24px;box-shadow:0 20px 50px rgba(0,0,0,.3)}
@media (min-width:600px){.form-card{padding:32px}}
.field{margin:0 0 16px;border:0;padding:0;min-width:0}
.field-row{display:grid;gap:0 16px}
@media (min-width:600px){.field-row{grid-template-columns:1fr 1fr}}
label,legend{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy);padding:0}
.req{color:#b4441f}
input[type=text],input[type=tel],input[type=email],select{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid #cfd7e3;border-radius:10px;background:#fff;color:var(--ink);min-height:48px}
select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%230f2747' stroke-width='2'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
input:focus,select:focus{border-color:var(--navy-2);outline:3px solid rgba(231,169,91,.45);outline-offset:0}
input[aria-invalid="true"]{border-color:#b4441f}
.error{color:#b4441f;font-size:.85rem;margin:4px 0 0;min-height:0}
.error:empty{display:none}
.radio-group{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.radio{display:flex;align-items:center;gap:10px;border:1.5px solid #cfd7e3;border-radius:10px;padding:12px 14px;cursor:pointer;margin:0;font-weight:600;min-height:48px}
.radio input{accent-color:var(--navy);width:18px;height:18px;margin:0}
.radio:has(input:checked){border-color:var(--navy);background:#eef3fa}
.radio-group-3{grid-template-columns:1fr 1fr}
.radio-group-3 .radio:last-child{grid-column:1 / -1}
@media (min-width:600px){.radio-group-3{grid-template-columns:repeat(3,1fr)}.radio-group-3 .radio:last-child{grid-column:auto}}
.form-error{background:#fdf0eb;border:1px solid #f0c6b5;color:#8a3215;border-radius:10px;padding:12px 14px;font-size:.92rem;margin:14px 0 0}
.form-error a{color:#8a3215;font-weight:700}
.btn[disabled]{opacity:.65;cursor:progress}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.consent{font-size:.8rem;color:var(--muted);margin:14px 0 0}
.form-success{text-align:center;padding:24px 8px}
.form-success:focus{outline:none}
.success-icon{width:64px;height:64px;border-radius:50%;background:var(--accent);color:var(--navy);font-size:2rem;font-weight:800;display:grid;place-items:center;margin:0 auto 16px}
.signature{font-weight:700;color:var(--navy);margin:0}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--accent-d);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 20px 18px;margin:0;color:var(--muted)}

/* Contact */
.contact-grid{display:grid;gap:16px}
@media (min-width:760px){.contact-grid{grid-template-columns:repeat(3,1fr)}}
.contact-card{display:flex;flex-direction:column;gap:4px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);transition:box-shadow .2s;border-left:4px solid var(--accent)}
.contact-card:hover{box-shadow:var(--shadow);color:var(--ink)}
.contact-label{text-transform:uppercase;letter-spacing:.1em;font-size:.75rem;font-weight:700;color:var(--muted)}
.contact-value{font-weight:700;color:var(--navy);word-break:break-word}
.contact-cta{margin-top:28px}

/* Footer */
.site-footer{background:#0b1d36;color:#b9c6d8;padding:48px 0 32px;font-size:.9rem}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--accent)}
.site-footer p{margin:0 0 .4em}
.footer-name{font-family:var(--serif);font-size:1.3rem;color:#fff;font-weight:700}
.footer-grid{display:grid;gap:24px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.12)}
@media (min-width:760px){.footer-grid{grid-template-columns:1fr auto;align-items:center}}
.ehl{display:flex;align-items:center;gap:12px;color:#fff}
.ehl-logo{width:52px;height:52px;flex:none}
.ehl-text{font-weight:800;letter-spacing:.06em;line-height:1.2;font-size:.85rem;margin:0!important}
.disclosures{padding-top:24px}
.disclosures p{margin-bottom:.9em;font-size:.82rem;line-height:1.6}
.disclosures strong{color:#fff}
.copyright{opacity:.8}

/* Anchor offset for sticky header */
section[id]{scroll-margin-top:72px}

/* Compact headshot card on small screens */
@media (max-width:899px){
  .hero-card{display:flex;align-items:center;max-width:none;border-radius:14px}
  .hero-card{align-items:stretch}
  .headshot{width:104px;flex:none;aspect-ratio:auto;height:auto;min-height:124px;object-fit:cover;object-position:center 30%}
  .hero-card-body{border-top:0;border-left:4px solid var(--accent);align-self:stretch;display:flex;flex-direction:column;justify-content:center}
}