:root {
  --navy-950: #06182d;
  --navy-900: #071e38;
  --navy-800: #132a43;
  --navy-700: #27415d;
  --gold-700: #876013;
  --gold-600: #a9771f;
  --gold-500: #b88728;
  --gold-300: #dfbd76;
  --gold-200: #efce8f;
  --cream-100: #fffdf8;
  --cream-200: #f8f4ea;
  --cream-300: #eee7d8;
  --slate-700: #526174;
  --slate-500: #758195;
  --slate-300: #c8d0da;
  --white: #ffffff;
  --danger: #a6292f;
  --success: #2d684e;
  --shadow-sm: 0 10px 30px rgba(7, 30, 56, 0.08);
  --shadow-md: 0 24px 70px rgba(7, 30, 56, 0.14);
  --radius-sm: 10px;
  --radius-md: 20px;
  --radius-lg: 32px;
  --container: 1180px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--cream-100);
  color: var(--navy-800);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 1rem;
  line-height: 1.6;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-underline-offset: 0.2em;
}

button,
input,
select,
textarea {
  color: inherit;
  font: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

:focus-visible {
  outline: 3px solid var(--gold-500);
  outline-offset: 4px;
}

.skip-link {
  position: fixed;
  z-index: 1000;
  top: 0.75rem;
  left: 0.75rem;
  padding: 0.7rem 1rem;
  border-radius: 999px;
  background: var(--white);
  color: var(--navy-900);
  font-weight: 700;
  transform: translateY(-180%);
  transition: transform 160ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

.container {
  width: min(calc(100% - 2rem), var(--container));
  margin-inline: auto;
}

.utility-bar {
  padding: 0.5rem 0;
  background: var(--navy-950);
  color: var(--gold-200);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-align: center;
  text-transform: uppercase;
}

.site-header {
  position: sticky;
  z-index: 100;
  top: 0;
  border-bottom: 1px solid rgba(7, 30, 56, 0.1);
  background: rgba(255, 253, 248, 0.96);
  backdrop-filter: blur(14px);
}

.nav-shell {
  position: relative;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 1.5rem;
  align-items: center;
  min-height: 84px;
}

.brand {
  display: inline-flex;
  gap: 0.75rem;
  align-items: center;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border: 1px solid var(--gold-500);
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-200);
}

.brand-mark svg {
  width: 24px;
  height: 24px;
}

.brand-copy {
  display: grid;
  gap: 0.05rem;
  line-height: 1.05;
}

.brand-name {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 1.08rem;
  font-weight: 700;
}

.brand-type {
  color: var(--gold-700);
  font-size: 0.64rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.primary-nav {
  display: flex;
  gap: 0.15rem;
  justify-content: center;
  align-items: center;
}

.nav-link {
  padding: 0.65rem 0.75rem;
  border-radius: 999px;
  color: var(--navy-700);
  font-size: 0.86rem;
  font-weight: 700;
  text-decoration: none;
}

.nav-link:hover,
.nav-link[aria-current='page'] {
  background: var(--cream-300);
  color: var(--navy-900);
}

.nav-actions {
  display: flex;
  gap: 0.6rem;
  align-items: center;
}

.locale-link {
  min-width: 46px;
  padding: 0.55rem 0.7rem;
  border: 1px solid rgba(7, 30, 56, 0.18);
  border-radius: 999px;
  font-size: 0.76rem;
  font-weight: 800;
  text-align: center;
  text-decoration: none;
}

.menu-button {
  display: none;
  width: 46px;
  height: 46px;
  padding: 0;
  border: 1px solid rgba(7, 30, 56, 0.18);
  border-radius: 50%;
  background: var(--white);
  cursor: pointer;
}

.menu-button svg {
  width: 22px;
  height: 22px;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(4rem, 8vw, 7.5rem) 0 5rem;
  background:
    radial-gradient(circle at 82% 20%, rgba(239, 206, 143, 0.32), transparent 26rem),
    linear-gradient(135deg, var(--cream-100), var(--cream-200));
}

.hero::before {
  position: absolute;
  width: 34rem;
  height: 34rem;
  border: 1px solid rgba(184, 135, 40, 0.22);
  border-radius: 50%;
  content: '';
  right: -14rem;
  top: -16rem;
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(340px, 0.92fr);
  gap: clamp(2.5rem, 7vw, 7rem);
  align-items: center;
}

.eyebrow {
  display: flex;
  gap: 0.65rem;
  align-items: center;
  margin: 0 0 1rem;
  color: var(--gold-700);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.eyebrow::before {
  display: inline-block;
  width: 34px;
  height: 2px;
  background: var(--gold-500);
  content: '';
}

h1,
h2,
h3 {
  margin: 0;
  color: var(--navy-900);
  font-family: Georgia, 'Times New Roman', serif;
  font-weight: 400;
  line-height: 1.08;
}

h1 {
  max-width: 13ch;
  font-size: clamp(3rem, 7vw, 6rem);
  letter-spacing: -0.04em;
}

h2 {
  font-size: clamp(2.25rem, 5vw, 4.1rem);
  letter-spacing: -0.035em;
}

h3 {
  font-size: clamp(1.35rem, 2vw, 1.8rem);
}

.hero-copy {
  max-width: 62ch;
  margin: 1.5rem 0 0;
  color: var(--slate-700);
  font-size: clamp(1.06rem, 1.6vw, 1.22rem);
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 2rem;
}

.button {
  display: inline-flex;
  min-height: 50px;
  gap: 0.65rem;
  align-items: center;
  justify-content: center;
  padding: 0.78rem 1.15rem;
  border: 1px solid transparent;
  border-radius: 999px;
  background: var(--navy-900);
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 800;
  text-decoration: none;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.button:hover {
  box-shadow: 0 12px 24px rgba(7, 30, 56, 0.2);
  transform: translateY(-2px);
}

.button svg {
  width: 18px;
  height: 18px;
}

.button-secondary {
  border-color: rgba(7, 30, 56, 0.24);
  background: transparent;
  color: var(--navy-900);
}

.button-gold {
  background: var(--gold-700);
  color: var(--white);
}

.button-light {
  border-color: rgba(255, 255, 255, 0.3);
  background: var(--white);
  color: var(--navy-900);
}

.button-danger-ghost {
  border-color: rgba(166, 41, 47, 0.25);
  background: transparent;
  color: var(--danger);
}

.hero-portrait-wrap {
  position: relative;
  max-width: 470px;
  margin-inline: auto;
}

.hero-portrait {
  position: relative;
  overflow: hidden;
  aspect-ratio: 0.82;
  border: 1px solid rgba(184, 135, 40, 0.48);
  border-radius: 240px 240px 28px 28px;
  background: var(--cream-300);
  box-shadow: var(--shadow-md);
}

.hero-portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 18%;
}

.founder-note {
  position: absolute;
  right: -1.5rem;
  bottom: 1.8rem;
  max-width: 230px;
  padding: 1rem 1.2rem;
  border: 1px solid rgba(184, 135, 40, 0.45);
  border-radius: var(--radius-sm);
  background: rgba(255, 253, 248, 0.96);
  box-shadow: var(--shadow-sm);
}

.founder-note strong,
.founder-note span {
  display: block;
}

.founder-note strong {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 1.08rem;
}

.founder-note span {
  margin-top: 0.12rem;
  color: var(--gold-700);
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.trust-strip {
  border-block: 1px solid rgba(7, 30, 56, 0.1);
  background: var(--white);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.trust-item {
  display: flex;
  min-height: 92px;
  gap: 0.85rem;
  align-items: center;
  justify-content: center;
  padding: 1.25rem 1.5rem;
}

.trust-item + .trust-item {
  border-left: 1px solid rgba(7, 30, 56, 0.1);
}

.trust-icon {
  display: grid;
  flex: 0 0 40px;
  width: 40px;
  height: 40px;
  place-items: center;
  border-radius: 50%;
  background: var(--cream-200);
  color: var(--gold-700);
}

.trust-icon svg {
  width: 20px;
  height: 20px;
}

.trust-copy strong,
.trust-copy span {
  display: block;
}

.trust-copy strong {
  font-size: 0.9rem;
}

.trust-copy span {
  color: var(--slate-700);
  font-size: 0.78rem;
}

.testimonial-section {
  position: relative;
  overflow: hidden;
}

.testimonial-section::after {
  position: absolute;
  width: 28rem;
  height: 28rem;
  right: -10rem;
  bottom: -15rem;
  border: 1px solid rgba(239, 206, 143, 0.16);
  border-radius: 50%;
  content: '';
}

.testimonial-section .container {
  position: relative;
  z-index: 1;
}

.testimonial-heading > p {
  color: rgba(255, 255, 255, 0.72);
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.testimonial-grid.testimonial-grid-1 {
  grid-template-columns: minmax(0, 620px);
  justify-content: center;
}

.testimonial-grid.testimonial-grid-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.testimonial-card {
  display: grid;
  min-height: 280px;
  align-content: start;
  margin: 0;
  padding: 2rem;
  border: 1px solid rgba(239, 206, 143, 0.28);
  border-radius: var(--radius-md);
  background: var(--cream-100);
  box-shadow: var(--shadow-sm);
}

.testimonial-quote-mark {
  color: var(--gold-600);
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 4rem;
  line-height: 0.7;
}

.testimonial-card blockquote {
  margin: 1rem 0 1.5rem;
  color: var(--navy-900);
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(1.2rem, 2vw, 1.5rem);
  line-height: 1.35;
}

.testimonial-card figcaption {
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px solid rgba(7, 30, 56, 0.1);
}

.testimonial-card figcaption strong,
.testimonial-card figcaption span {
  display: block;
}

.testimonial-card figcaption strong {
  color: var(--navy-900);
  font-size: 0.9rem;
}

.testimonial-card figcaption span {
  margin-top: 0.15rem;
  color: var(--slate-700);
  font-size: 0.78rem;
}

.testimonial-empty {
  display: grid;
  width: min(100%, 820px);
  grid-template-columns: auto 1fr;
  gap: 1.5rem;
  align-items: start;
  margin-inline: auto;
  padding: clamp(1.6rem, 4vw, 2.5rem);
  border: 1px solid rgba(239, 206, 143, 0.3);
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.07);
}

.testimonial-empty-mark {
  color: var(--gold-200);
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 6rem;
  line-height: 0.75;
}

.permission-badge {
  display: inline-flex;
  padding: 0.38rem 0.65rem;
  border: 1px solid rgba(239, 206, 143, 0.32);
  border-radius: 999px;
  background: rgba(239, 206, 143, 0.1);
  color: var(--gold-200);
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.testimonial-empty h3 {
  margin-top: 0.9rem;
  color: var(--white);
}

.testimonial-empty p {
  max-width: 58ch;
  margin: 0.65rem 0 0;
  color: rgba(255, 255, 255, 0.72);
}

.section {
  padding: clamp(4.5rem, 9vw, 8rem) 0;
}

.section-compact {
  padding: clamp(3rem, 6vw, 5rem) 0;
}

.section-cream {
  background: var(--cream-200);
}

.section-navy {
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.82);
}

.section-navy h2,
.section-navy h3 {
  color: var(--white);
}

.section-navy .eyebrow {
  color: var(--gold-200);
}

.before-apply-section {
  border-block: 1px solid rgba(7, 30, 56, 0.08);
  background: linear-gradient(135deg, var(--cream-100), var(--cream-200));
}

.before-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.before-card {
  min-height: 230px;
  padding: clamp(1.5rem, 3vw, 2rem);
  border: 1px solid rgba(184, 135, 40, 0.3);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.before-card h3 {
  margin-top: 0.9rem;
}

.before-card p {
  margin: 0.75rem 0 0;
  color: var(--slate-700);
}

.confirmation-chip,
.confirmed-chip,
.faq-pending {
  display: inline-flex;
  padding: 0.35rem 0.6rem;
  border-radius: 999px;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.confirmation-chip,
.faq-pending {
  border: 1px solid rgba(184, 135, 40, 0.25);
  background: rgba(184, 135, 40, 0.1);
  color: var(--gold-700);
}

.confirmed-chip {
  border: 1px solid rgba(45, 104, 78, 0.25);
  background: rgba(45, 104, 78, 0.08);
  color: var(--success);
}

.faq-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.72fr) minmax(0, 1.28fr);
  gap: clamp(2rem, 6vw, 6rem);
  align-items: start;
}

.faq-intro > p:not(.eyebrow) {
  max-width: 48ch;
  margin: 1rem 0 0;
  color: var(--slate-700);
}

.faq-list {
  display: grid;
  gap: 0.75rem;
}

.faq-item {
  border: 1px solid rgba(7, 30, 56, 0.12);
  border-radius: var(--radius-sm);
  background: var(--white);
  overflow: hidden;
}

.faq-item summary {
  display: grid;
  min-height: 64px;
  grid-template-columns: 1fr auto auto;
  gap: 0.75rem;
  align-items: center;
  padding: 1rem 1.15rem;
  color: var(--navy-900);
  cursor: pointer;
  font-weight: 800;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary:hover {
  background: rgba(239, 206, 143, 0.12);
}

.faq-toggle {
  position: relative;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--white);
}

.faq-toggle::before,
.faq-toggle::after {
  position: absolute;
  width: 12px;
  height: 2px;
  left: 8px;
  top: 13px;
  background: currentColor;
  content: '';
}

.faq-toggle::after {
  transform: rotate(90deg);
  transition: transform 160ms ease;
}

.faq-item[open] .faq-toggle::after {
  transform: rotate(0);
}

.faq-answer {
  padding: 0 1.15rem 1.15rem;
  color: var(--slate-700);
}

.faq-answer p {
  margin: 0;
}

.section-heading {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(280px, 0.7fr);
  gap: 3rem;
  align-items: end;
  margin-bottom: 3rem;
}

.section-heading p {
  max-width: 58ch;
  margin: 0;
  color: var(--slate-700);
}

.section-navy .section-heading p {
  color: rgba(255, 255, 255, 0.7);
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.service-card {
  position: relative;
  display: flex;
  min-height: 360px;
  flex-direction: column;
  padding: 2rem;
  overflow: hidden;
  border: 1px solid rgba(7, 30, 56, 0.1);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.service-card::after {
  position: absolute;
  width: 120px;
  height: 120px;
  border: 1px solid rgba(184, 135, 40, 0.2);
  border-radius: 50%;
  content: '';
  right: -56px;
  top: -56px;
}

.service-card-number {
  color: var(--gold-700);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.service-card h3 {
  margin-top: 1.4rem;
}

.service-card p {
  margin: 1rem 0 1.5rem;
  color: var(--slate-700);
}

.service-card-primary {
  grid-column: 1 / -1;
  min-height: 300px;
  border-color: rgba(184, 135, 40, 0.55);
  background:
    linear-gradient(115deg, rgba(239, 206, 143, 0.12), transparent 55%),
    var(--navy-900);
}

.service-card-primary::after {
  width: 210px;
  height: 210px;
  border-color: rgba(239, 206, 143, 0.22);
  right: -75px;
  top: -85px;
}

.service-card-primary .service-card-number,
.service-card-primary .text-link {
  color: var(--gold-200);
}

.service-card-primary h3 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3.3rem);
}

.service-card-primary p {
  max-width: 62ch;
  color: rgba(255, 255, 255, 0.76);
}

.text-link {
  display: inline-flex;
  gap: 0.45rem;
  align-items: center;
  margin-top: auto;
  color: var(--gold-700);
  font-size: 0.86rem;
  font-weight: 800;
  text-decoration-thickness: 1px;
}

.text-link svg {
  width: 16px;
  height: 16px;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  counter-reset: process;
}

.process-step {
  position: relative;
  padding-top: 4rem;
  counter-increment: process;
}

.process-step::before {
  position: absolute;
  display: grid;
  width: 46px;
  height: 46px;
  place-items: center;
  border: 1px solid var(--gold-500);
  border-radius: 50%;
  color: var(--gold-700);
  content: counter(process, decimal-leading-zero);
  font-size: 0.74rem;
  font-weight: 800;
  left: 0;
  top: 0;
}

.process-step::after {
  position: absolute;
  height: 1px;
  background: rgba(184, 135, 40, 0.35);
  content: '';
  left: 58px;
  right: -1rem;
  top: 23px;
}

.process-step:last-child::after {
  display: none;
}

.process-step p {
  color: var(--slate-700);
}

.split-grid {
  display: grid;
  grid-template-columns: minmax(320px, 0.85fr) minmax(0, 1.15fr);
  gap: clamp(2.5rem, 7vw, 7rem);
  align-items: center;
}

.split-card-image {
  overflow: hidden;
  border: 1px solid rgba(184, 135, 40, 0.35);
  border-radius: var(--radius-md);
  background: var(--navy-900);
  box-shadow: var(--shadow-md);
}

.split-card-image img {
  width: 100%;
  height: auto;
}

.reference-figure {
  margin: 0;
}

.asset-caption {
  margin: 0.75rem 0 0;
  color: var(--slate-700);
  font-size: 0.75rem;
  font-weight: 700;
}

.copy-stack > * + * {
  margin-top: 1.2rem;
}

.copy-stack p {
  max-width: 64ch;
  color: var(--slate-700);
}

.section-navy .copy-stack p {
  color: rgba(255, 255, 255, 0.72);
}

.quote-card {
  padding: clamp(2rem, 5vw, 4rem);
  border: 1px solid rgba(184, 135, 40, 0.45);
  border-radius: var(--radius-lg);
  background:
    linear-gradient(135deg, rgba(239, 206, 143, 0.12), transparent 55%),
    var(--navy-900);
  color: var(--white);
}

.quote-card blockquote {
  max-width: 28ch;
  margin: 0;
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(2rem, 4vw, 3.6rem);
  line-height: 1.12;
}

.quote-card cite {
  display: block;
  margin-top: 1.5rem;
  color: var(--gold-200);
  font-style: normal;
  font-weight: 800;
}

.page-hero {
  position: relative;
  padding: clamp(4rem, 8vw, 7rem) 0 clamp(3rem, 6vw, 5rem);
  overflow: hidden;
  background:
    radial-gradient(circle at 88% 16%, rgba(239, 206, 143, 0.28), transparent 24rem),
    var(--cream-200);
}

.page-hero h1 {
  max-width: 16ch;
  font-size: clamp(3rem, 7vw, 5.5rem);
}

.page-hero p:not(.eyebrow) {
  max-width: 64ch;
  margin: 1.5rem 0 0;
  color: var(--slate-700);
  font-size: clamp(1.05rem, 1.7vw, 1.25rem);
}

.breadcrumb {
  margin-bottom: 1.3rem;
  color: var(--slate-700);
  font-size: 0.76rem;
  font-weight: 700;
}

.breadcrumb a {
  color: var(--gold-700);
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.feature-card {
  padding: 1.6rem;
  border: 1px solid rgba(7, 30, 56, 0.1);
  border-radius: var(--radius-md);
  background: var(--white);
}

.feature-card-icon {
  display: grid;
  width: 44px;
  height: 44px;
  margin-bottom: 1rem;
  place-items: center;
  border-radius: 50%;
  background: var(--cream-200);
  color: var(--gold-700);
}

.feature-card-icon svg {
  width: 22px;
  height: 22px;
}

.feature-card p {
  margin: 0.7rem 0 0;
  color: var(--slate-700);
}

.cta-panel {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 2rem;
  align-items: center;
  padding: clamp(2rem, 5vw, 4rem);
  border: 1px solid rgba(184, 135, 40, 0.45);
  border-radius: var(--radius-lg);
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.76);
}

.cta-panel h2 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3.4rem);
}

.cta-panel p {
  max-width: 60ch;
  margin: 1rem 0 0;
}

.draft-note,
.security-note,
.notice {
  padding: 1rem 1.1rem;
  border-radius: var(--radius-sm);
  font-size: 0.86rem;
}

.draft-note {
  margin-top: 1.25rem;
  border: 1px dashed rgba(184, 135, 40, 0.6);
  background: rgba(239, 206, 143, 0.18);
  color: var(--gold-700);
}

.security-note {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.9rem;
  align-items: start;
  border: 1px solid rgba(45, 104, 78, 0.25);
  background: rgba(45, 104, 78, 0.08);
  color: #24533f;
}

.security-note svg {
  width: 22px;
  height: 22px;
  margin-top: 0.1rem;
}

.application-handoff {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 220px;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
  padding: clamp(2rem, 5vw, 4rem);
  border: 1px solid rgba(184, 135, 40, 0.42);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.application-handoff::before {
  position: absolute;
  top: 0;
  right: 0;
  left: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--gold-700), var(--gold-300));
  content: '';
}

.secure-badge {
  display: inline-flex;
  gap: 0.5rem;
  align-items: center;
  padding: 0.45rem 0.75rem;
  border-radius: 999px;
  background: rgba(45, 104, 78, 0.09);
  color: var(--success);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.secure-badge svg {
  width: 17px;
  height: 17px;
}

.handoff-eyebrow {
  margin: 1.3rem 0 0.45rem;
  color: var(--gold-700);
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.application-handoff h2 {
  max-width: 15ch;
  font-size: clamp(2.2rem, 5vw, 4rem);
}

.handoff-intro {
  max-width: 60ch;
  margin: 1rem 0 0;
  color: var(--slate-700);
}

.handoff-benefits {
  display: grid;
  gap: 0.55rem;
  margin: 1.35rem 0 0;
  padding: 0;
  list-style: none;
  font-size: 0.9rem;
  font-weight: 700;
}

.handoff-benefits li {
  position: relative;
  padding-left: 1.7rem;
}

.handoff-benefits li::before {
  position: absolute;
  display: grid;
  width: 18px;
  height: 18px;
  left: 0;
  top: 0.18rem;
  place-items: center;
  border-radius: 50%;
  background: rgba(45, 104, 78, 0.11);
  color: var(--success);
  content: '\2713';
  font-size: 0.7rem;
  font-weight: 900;
}

.handoff-button {
  min-height: 58px;
  padding-inline: 1.5rem;
}

.handoff-fineprint {
  max-width: 65ch;
  margin: 0.8rem 0 0;
  color: var(--slate-700);
  font-size: 0.76rem;
}

.application-qr-panel {
  display: grid;
  gap: 0.55rem;
  justify-items: center;
  padding: 1.25rem;
  border: 1px solid rgba(7, 30, 56, 0.08);
  border-radius: var(--radius-md);
  background: var(--cream-200);
  text-align: center;
}

.application-qr-panel img {
  width: 150px;
  height: 150px;
  padding: 0.6rem;
  border-radius: var(--radius-sm);
  background: var(--white);
}

.application-qr-panel strong {
  color: var(--navy-900);
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 1.1rem;
}

.application-qr-panel span {
  color: var(--slate-700);
  font-size: 0.76rem;
}

.handoff-safety {
  display: grid;
  grid-column: 1 / -1;
  grid-template-columns: auto 1fr;
  gap: 0.8rem;
  align-items: start;
  margin-top: -0.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(7, 30, 56, 0.1);
  color: var(--slate-700);
  font-size: 0.78rem;
}

.handoff-safety > svg {
  width: 20px;
  height: 20px;
  color: var(--success);
}

.handoff-safety strong,
.handoff-safety span {
  display: block;
}

.handoff-safety strong {
  margin-bottom: 0.15rem;
  color: var(--navy-900);
  font-size: 0.82rem;
}

.notice {
  border: 1px solid rgba(7, 30, 56, 0.14);
  background: var(--cream-200);
  color: var(--slate-700);
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.contact-card {
  display: grid;
  min-height: 150px;
  grid-template-columns: auto 1fr;
  gap: 1rem;
  align-content: start;
  padding: 1.5rem;
  border: 1px solid rgba(7, 30, 56, 0.1);
  border-radius: var(--radius-md);
  background: var(--white);
}

.contact-card-icon {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-200);
}

.contact-card-icon svg {
  width: 21px;
  height: 21px;
}

.contact-card h3 {
  font-size: 1.3rem;
}

.contact-card p {
  margin: 0.45rem 0 0;
  color: var(--slate-700);
}

.contact-card a {
  color: var(--gold-700);
  font-weight: 800;
}

.application-shell {
  display: grid;
  grid-template-columns: minmax(220px, 0.32fr) minmax(0, 0.68fr);
  gap: 1.5rem;
  align-items: start;
}

.application-sidebar,
.application-card {
  border: 1px solid rgba(7, 30, 56, 0.1);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.application-sidebar {
  position: sticky;
  top: 110px;
  padding: 1.25rem;
}

.progress-label {
  display: flex;
  justify-content: space-between;
  margin-bottom: 0.65rem;
  font-size: 0.75rem;
  font-weight: 800;
}

.progress-track {
  height: 8px;
  overflow: hidden;
  border-radius: 999px;
  background: var(--cream-300);
}

.progress-bar {
  width: 25%;
  height: 100%;
  border-radius: inherit;
  background: var(--gold-500);
  transition: width 180ms ease;
}

.step-list {
  display: grid;
  gap: 0.35rem;
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
}

.step-list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.65rem;
  align-items: center;
  padding: 0.65rem;
  border-radius: var(--radius-sm);
  color: var(--slate-700);
  font-size: 0.8rem;
  font-weight: 700;
}

.step-list li[aria-current='step'] {
  background: var(--cream-200);
  color: var(--navy-900);
}

.step-index {
  display: grid;
  width: 26px;
  height: 26px;
  place-items: center;
  border: 1px solid var(--slate-300);
  border-radius: 50%;
  font-size: 0.68rem;
}

.saved-status {
  min-height: 1.4rem;
  margin: 1rem 0 0;
  color: var(--success);
  font-size: 0.75rem;
  font-weight: 700;
}

.clear-progress {
  margin-top: 0.75rem;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--danger);
  cursor: pointer;
  font-size: 0.76rem;
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 0.2em;
}

.application-card {
  min-height: 560px;
  padding: clamp(1.5rem, 4vw, 3rem);
}

.form-step[hidden] {
  display: none;
}

.form-step h2 {
  font-size: clamp(2rem, 4vw, 3.2rem);
}

.step-intro {
  max-width: 62ch;
  margin: 0.85rem 0 2rem;
  color: var(--slate-700);
}

.field-group {
  margin: 0 0 1.7rem;
  padding: 0;
  border: 0;
}

.field-group legend,
.field-label {
  display: block;
  margin-bottom: 0.65rem;
  color: var(--navy-900);
  font-weight: 800;
}

.required-marker {
  color: var(--danger);
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.65rem;
}

.choice-card {
  position: relative;
}

.choice-card input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
}

.choice-card label {
  display: flex;
  min-height: 74px;
  gap: 0.75rem;
  align-items: center;
  padding: 0.9rem 1rem;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-sm);
  background: var(--white);
  cursor: pointer;
  font-size: 0.88rem;
  font-weight: 700;
}

.choice-card label::before {
  display: block;
  flex: 0 0 18px;
  width: 18px;
  height: 18px;
  border: 2px solid var(--slate-500);
  border-radius: 50%;
  content: '';
}

.choice-card input:checked + label {
  border-color: var(--gold-500);
  background: rgba(239, 206, 143, 0.15);
  box-shadow: inset 0 0 0 1px var(--gold-500);
}

.choice-card input:checked + label::before {
  border: 5px solid var(--gold-600);
}

.choice-card input:focus-visible + label {
  outline: 3px solid var(--gold-500);
  outline-offset: 3px;
}

.select-field {
  width: 100%;
  min-height: 52px;
  padding: 0.7rem 2.6rem 0.7rem 0.85rem;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-sm);
  background: var(--white);
}

.select-field[aria-invalid='true'],
.field-group.has-error .choice-card label {
  border-color: var(--danger);
}

.field-error {
  display: none;
  margin: 0.45rem 0 0;
  color: var(--danger);
  font-size: 0.78rem;
  font-weight: 700;
}

.field-group.has-error .field-error {
  display: block;
}

.error-summary {
  display: none;
  margin-bottom: 1.5rem;
  padding: 1rem 1.1rem;
  border: 1px solid rgba(166, 41, 47, 0.35);
  border-left: 4px solid var(--danger);
  border-radius: var(--radius-sm);
  background: rgba(166, 41, 47, 0.06);
  color: var(--danger);
}

.error-summary.is-visible {
  display: block;
}

.error-summary h3 {
  color: var(--danger);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.92rem;
  font-weight: 800;
}

.error-summary ul {
  margin: 0.5rem 0 0;
  padding-left: 1.2rem;
  font-size: 0.82rem;
}

.form-actions {
  display: flex;
  gap: 0.75rem;
  justify-content: space-between;
  margin-top: 2rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(7, 30, 56, 0.1);
}

.form-actions .button:only-child {
  margin-left: auto;
}

.review-list {
  display: grid;
  gap: 0;
  margin: 1.5rem 0;
  border: 1px solid rgba(7, 30, 56, 0.12);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.review-row {
  display: grid;
  grid-template-columns: minmax(140px, 0.38fr) 1fr;
  gap: 1rem;
  padding: 0.85rem 1rem;
  background: var(--white);
}

.review-row + .review-row {
  border-top: 1px solid rgba(7, 30, 56, 0.1);
}

.review-row dt {
  color: var(--slate-700);
  font-size: 0.78rem;
  font-weight: 800;
}

.review-row dd {
  margin: 0;
  font-size: 0.88rem;
  font-weight: 700;
}

.prototype-complete {
  display: grid;
  gap: 1rem;
  margin-top: 1.5rem;
  padding: 1.25rem;
  border: 1px solid rgba(45, 104, 78, 0.25);
  border-radius: var(--radius-sm);
  background: rgba(45, 104, 78, 0.07);
}

.prototype-complete p {
  margin: 0;
  color: #24533f;
}

.privacy-list {
  display: grid;
  gap: 1rem;
  margin: 1.5rem 0;
  padding: 0;
  list-style: none;
}

.privacy-list li {
  position: relative;
  padding-left: 1.7rem;
}

.privacy-list li::before {
  position: absolute;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-500);
  content: '';
  left: 0.25rem;
  top: 0.62rem;
}

.site-footer {
  padding: 4rem 0 2rem;
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.7);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(240px, 1.2fr) repeat(2, minmax(150px, 0.6fr));
  gap: 3rem;
}

.site-footer .brand-name {
  color: var(--white);
}

.site-footer .brand-type {
  color: var(--gold-200);
}

.footer-intro {
  max-width: 48ch;
  margin: 1.25rem 0 0;
}

.footer-heading {
  margin: 0 0 1rem;
  color: var(--gold-200);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.footer-links {
  display: grid;
  gap: 0.6rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.86rem;
  text-decoration: none;
}

.footer-links a:hover {
  color: var(--gold-200);
  text-decoration: underline;
}

.footer-bottom {
  display: flex;
  gap: 1rem;
  justify-content: space-between;
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.74rem;
}

.footer-bottom p {
  margin: 0;
}

.sr-only {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}

@media (max-width: 1040px) {
  .nav-shell {
    grid-template-columns: 1fr auto;
  }

  .primary-nav {
    position: absolute;
    display: none;
    z-index: 10;
    top: calc(100% - 0.2rem);
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    padding: 0.75rem;
    border: 1px solid rgba(7, 30, 56, 0.1);
    border-radius: var(--radius-md);
    background: var(--white);
    box-shadow: var(--shadow-md);
  }

  .primary-nav.is-open {
    display: flex;
  }

  .nav-link {
    padding: 0.85rem 1rem;
  }

  .menu-button {
    display: grid;
    place-items: center;
  }

  .hero-grid {
    grid-template-columns: minmax(0, 1fr) minmax(300px, 0.78fr);
    gap: 3rem;
  }

  .founder-note {
    right: -0.5rem;
  }

  .service-grid,
  .feature-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .feature-card:last-child {
    grid-column: 1 / -1;
  }

  .testimonial-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .before-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 800px) {
  .hero-grid,
  .section-heading,
  .split-grid,
  .faq-layout,
  .application-shell,
  .cta-panel {
    grid-template-columns: 1fr;
  }

  .hero-copy-col {
    text-align: center;
  }

  .hero-copy-col .eyebrow,
  .hero-copy-col .button-row {
    justify-content: center;
  }

  .hero-copy-col h1,
  .hero-copy-col .hero-copy {
    margin-inline: auto;
  }

  .hero-portrait-wrap {
    width: min(100%, 420px);
  }

  .trust-grid {
    grid-template-columns: 1fr;
  }

  .trust-item + .trust-item {
    border-top: 1px solid rgba(7, 30, 56, 0.1);
    border-left: 0;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .testimonial-grid,
  .testimonial-grid.testimonial-grid-1,
  .testimonial-grid.testimonial-grid-2 {
    grid-template-columns: 1fr;
  }

  .process-step::after {
    width: 1px;
    height: auto;
    left: 23px;
    right: auto;
    top: 58px;
    bottom: -1.2rem;
  }

  .application-sidebar {
    position: static;
  }

  .step-list {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .step-list li {
    display: flex;
    flex-direction: column;
    gap: 0.3rem;
    text-align: center;
  }

  .cta-panel .button-row {
    margin-top: 0;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

  .application-handoff {
    grid-template-columns: 1fr;
  }

  .application-qr-panel {
    width: min(100%, 280px);
    justify-self: start;
  }
}

@media (max-width: 600px) {
  .container {
    width: min(calc(100% - 1.25rem), var(--container));
  }

  .utility-bar {
    font-size: 0.61rem;
    letter-spacing: 0.1em;
  }

  .nav-shell {
    min-height: 76px;
  }

  .brand-name {
    font-size: 0.96rem;
  }

  .brand-type {
    font-size: 0.57rem;
  }

  .locale-link {
    min-width: 42px;
  }

  .hero {
    padding-top: 3.5rem;
  }

  .hero-portrait-wrap {
    width: min(88%, 360px);
  }

  .founder-note {
    position: relative;
    right: auto;
    bottom: auto;
    margin: -1.2rem auto 0;
  }

  .service-grid,
  .feature-grid,
  .contact-grid,
  .choice-grid {
    grid-template-columns: 1fr;
  }

  .service-card-primary {
    grid-column: auto;
  }

  .feature-card:last-child {
    grid-column: auto;
  }

  .testimonial-empty {
    grid-template-columns: 1fr;
    gap: 0.75rem;
  }

  .testimonial-empty-mark {
    font-size: 4.5rem;
  }

  .faq-item summary {
    grid-template-columns: 1fr auto;
  }

  .faq-item summary > span:first-child {
    grid-column: 1;
    grid-row: 1;
  }

  .faq-pending {
    grid-column: 1 / -1;
    grid-row: 2;
    width: fit-content;
  }

  .faq-toggle {
    grid-column: 2;
    grid-row: 1;
  }

  .service-card {
    min-height: 310px;
  }

  .step-list li span:not(.step-index) {
    display: none;
  }

  .choice-card label {
    min-height: 62px;
  }

  .form-actions {
    flex-direction: column-reverse;
  }

  .form-actions .button {
    width: 100%;
  }

  .form-actions .button:only-child {
    margin-left: 0;
  }

  .application-qr-panel {
    display: none;
  }

  .handoff-button {
    width: 100%;
  }

  .review-row {
    grid-template-columns: 1fr;
    gap: 0.25rem;
  }

  .footer-grid,
  .footer-bottom {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    display: grid;
  }

  .footer-bottom {
    display: grid;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}