*{margin:0;padding:0;box-sizing:border-box}
:root{--bg:#fbfaf7;--bg2:#f2efe8;--ink:#182420;--ink2:#3a4742;--muted:#727c77;--teal:#0f5b52;--teal-l:#14776b;--teal-t:#e4efec;--gold:#b8924a;--gold-d:#9a7838;--line:#e5e2d9;--white:#ffffff}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.72;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:'Spectral',Georgia,serif;font-weight:500;line-height:1.16;letter-spacing:-.01em}
.wrap{max-width:1160px;margin:0 auto;padding:0 26px}
.ey{display:inline-block;text-transform:uppercase;letter-spacing:.22em;font-size:11.5px;font-weight:600;color:var(--gold-d);margin-bottom:15px}
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:14.5px;padding:14px 28px;border-radius:5px;transition:.2s;cursor:pointer;border:0}
.btn-p{background:var(--teal);color:#fff}.btn-p:hover{background:#0b463f}
.btn-o{background:transparent;color:var(--ink);border:1px solid var(--ink)}.btn-o:hover{background:var(--ink);color:#fff}
.btn-w{background:#fff;color:var(--teal)}.btn-w:hover{background:#eef2f0}
.ribbon{background:#0e1c18;color:#d7e0dc;font-size:13px;padding:9px 16px;display:flex;gap:13px;align-items:center;justify-content:center;flex-wrap:wrap;text-align:center}
.ribbon b{color:var(--gold)}.ribbon a{background:var(--teal);color:#fff;padding:5px 15px;border-radius:5px;font-weight:600;white-space:nowrap}
header.nav{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;padding:16px 0}
.brand{display:flex;align-items:center;gap:12px}
.brand .mk{width:42px;height:42px;border-radius:8px;background:var(--teal);color:#fff;display:grid;place-items:center;font-family:'Spectral';font-weight:600;font-size:19px}
.brand b{display:block;font-family:'Spectral';font-size:18px;font-weight:600;line-height:1.15}
.brand span{display:block;font-size:10.5px;text-transform:uppercase;letter-spacing:.16em;color:var(--muted)}
.nav-links{display:flex;gap:26px;list-style:none;align-items:center}
.nav-links a{font-size:14px;font-weight:500;color:var(--ink2)}.nav-links a:hover,.nav-links a.active{color:var(--teal)}
.nav-links a.cta{background:var(--teal);color:#fff;padding:11px 20px;border-radius:5px}.nav-links a.cta:hover{background:#0b463f}
.burger{display:none;font-size:24px;background:none;border:0;cursor:pointer}
#mnav{display:none;background:var(--white);border-bottom:1px solid var(--line);padding:6px 0 12px}
#mnav a{display:block;padding:11px 26px;font-weight:500;color:var(--ink2)}
/* hero */
.hero{position:relative;min-height:600px;display:flex;align-items:center;color:#fff;overflow:hidden}
.hero .bg{position:absolute;inset:0;z-index:0}.hero .bg img{width:100%;height:100%;object-fit:cover}
.hero .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(11,32,28,.9) 0%,rgba(15,42,37,.72) 48%,rgba(15,50,44,.35) 100%)}
.hero-in{position:relative;z-index:1;padding:100px 0;max-width:640px}
.hero .ey{color:var(--gold)}
.hero h1{font-size:clamp(36px,5.2vw,60px);margin-bottom:20px;color:#fff}
.hero h1 em{font-style:italic;color:#e6cea0}
.hero p{font-size:18px;color:rgba(255,255,255,.86);max-width:520px;margin-bottom:28px}
.hero .row{display:flex;gap:13px;flex-wrap:wrap}
.badges{background:var(--teal-t)}
.badges .in{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding:26px 0}
.badges .b{display:flex;gap:12px;align-items:center}
.badges .b .ic{width:38px;height:38px;border-radius:8px;background:#fff;color:var(--teal);display:grid;place-items:center;font-size:18px;flex:0 0 auto;border:1px solid var(--line)}
.badges .b span{font-size:13.5px;font-weight:500;color:var(--ink2);line-height:1.35}
section{padding:84px 0}
.sec-h{max-width:640px;margin-bottom:44px}.sec-h.c{margin-inline:auto;text-align:center}
.sec-h h2{font-size:clamp(28px,3.5vw,42px);margin-bottom:13px}.sec-h p{color:var(--muted);font-size:17px}
.alt{background:var(--bg2)}
.dark{background:#0f2a25;color:#dbe6e2}.dark .sec-h h2{color:#fff}.dark .sec-h p{color:#9fb3ad}
/* cards */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.gcard{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:32px 30px;transition:.2s}
.gcard:hover{border-color:var(--teal);transform:translateY(-3px);box-shadow:0 22px 44px -30px rgba(15,91,82,.4)}
.gcard .ic{width:46px;height:46px;border-radius:11px;background:var(--teal-t);color:var(--teal);display:grid;place-items:center;font-size:21px;margin-bottom:15px}
.gcard h3{font-size:20px;margin-bottom:9px}.gcard p{font-size:14.5px;color:var(--muted)}
.gcard a.more{display:inline-block;margin-top:13px;font-size:13.5px;font-weight:600;color:var(--teal)}
/* process timeline */
.tl{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:tl;position:relative}
.tl .t{padding:0 22px;position:relative}
.tl .t::before{counter-increment:tl;content:counter(tl);width:48px;height:48px;border-radius:50%;background:var(--teal);color:#fff;font-family:'Spectral';font-size:20px;display:grid;place-items:center;margin-bottom:18px}
.tl .t::after{content:"";position:absolute;top:24px;left:calc(50% + 30px);right:calc(-50% + 30px);height:1.5px;background:var(--line)}
.tl .t:last-child::after{display:none}
.tl .t h3{font-size:19px;margin-bottom:7px}.tl .t p{font-size:14px;color:var(--muted)}
/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split .ph img{width:100%;aspect-ratio:4/3.4;object-fit:cover;border-radius:12px}
.split h2{font-size:clamp(26px,3.2vw,38px);margin-bottom:16px}.split p{color:var(--ink2);margin-bottom:14px}
.checks{margin:20px 0 26px;display:grid;gap:11px;list-style:none}
.checks li{display:flex;gap:11px;font-weight:500;font-size:15px}.checks li::before{content:"✓";color:var(--gold-d);font-weight:700}
/* fee table */
.tbl{width:100%;border-collapse:collapse;background:var(--white);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.tbl th{background:var(--teal);color:#fff;text-align:left;font-family:'Inter';font-size:13px;letter-spacing:.05em;text-transform:uppercase;padding:14px 18px;font-weight:600}
.tbl td{padding:14px 18px;border-top:1px solid var(--line);font-size:15px}
.tbl td:last-child{white-space:nowrap;font-weight:600;color:var(--teal)}
.note{font-size:13px;color:var(--muted);margin-top:14px}
/* faq */
.faq{max-width:800px;margin:0 auto;display:grid;gap:12px}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:11px;padding:2px 24px}
.faq details[open]{border-color:var(--teal)}
.faq summary{cursor:pointer;list-style:none;font-weight:600;font-size:16px;padding:18px 0;display:flex;justify-content:space-between;gap:14px;font-family:'Spectral'}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--teal);font-size:22px}.faq details[open] summary::after{content:"–"}
.faq .a{color:var(--muted);font-size:15px;padding:0 0 18px}
/* cta */
.ctaband{background:linear-gradient(120deg,#0b463f,#0f5b52 55%,#14776b);color:#fff;text-align:center;padding:80px 0}
.ctaband h2{font-size:clamp(28px,3.5vw,42px);color:#fff;margin-bottom:14px}
.ctaband p{color:rgba(255,255,255,.85);max-width:560px;margin:0 auto 28px;font-size:16.5px}
/* subpages */
.phead{background:#0f2a25;color:#fff;padding:74px 0 60px;position:relative;overflow:hidden}
.phead::after{content:"⌂";position:absolute;right:5%;bottom:-40px;font-family:serif;font-size:210px;color:rgba(255,255,255,.05);line-height:1}
.phead .crumb{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#87a09a;margin-bottom:16px;display:block}
.phead .crumb a:hover{color:var(--gold)}
.phead h1{font-size:clamp(31px,4.4vw,50px);margin-bottom:12px}.phead .ey{color:var(--gold)}
.phead p{color:#c0cec9;max-width:620px;font-size:17px}
.srv{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.srv .cell{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:34px 32px}
.srv .cell h3{font-size:21px;margin-bottom:10px;display:flex;gap:12px;align-items:baseline}
.srv .cell h3 .no{font-size:13px;color:var(--gold-d);font-family:'Spectral';letter-spacing:.08em}
.srv .cell p{color:var(--muted);font-size:14.5px;margin-bottom:14px}
.srv .cell ul{list-style:none;display:grid;gap:8px}
.srv .cell ul li{font-size:14.5px;padding-left:20px;position:relative;color:var(--ink2)}
.srv .cell ul li::before{content:"—";color:var(--teal);position:absolute;left:0}
.prose{max-width:760px}.prose p{color:var(--ink2);margin-bottom:16px;font-size:16.5px}.prose h2{font-size:clamp(24px,3vw,34px);margin:34px 0 14px}
.k-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:50px;align-items:start}
.k-info h3{font-size:19px;margin:24px 0 6px}.k-info h3:first-child{margin-top:0}
.k-info p,.k-info a{color:var(--ink2);font-size:15.5px}.k-info a:hover{color:var(--teal)}.k-info .mut{color:var(--muted);font-size:14px}
.form{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:34px}
.form .fg{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.form label{font-size:13px;font-weight:600;color:var(--ink2);display:block;margin-bottom:5px}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:7px;font-size:15px;font-family:inherit;background:var(--bg);color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--teal);background:#fff}
.form textarea{min-height:120px;resize:vertical;margin-bottom:16px}
.form .ok{display:none;margin-top:16px;background:var(--teal-t);border:1px solid #a9cfc7;color:#0b463f;border-radius:7px;padding:15px;text-align:center;font-weight:600}
.map{margin-top:50px;border:1px solid var(--line);border-radius:12px;overflow:hidden}.map iframe{width:100%;height:320px;border:0;display:block;filter:grayscale(.2)}
footer{background:#0e1c18;color:#9fb3ad;padding:60px 0 0;font-size:14.5px}
footer .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:44px;padding-bottom:44px}
footer .brand b{color:#fff}footer .brand .mk{background:var(--gold)}
footer p{margin-top:14px;max-width:320px;line-height:1.7}
footer h4{color:#fff;font-family:'Inter';font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
footer a{display:block;padding:5px 0}footer a:hover{color:#fff}
.fbar{border-top:1px solid rgba(255,255,255,.09);padding:20px 0;text-align:center;font-size:13px;color:#7a8e88}.fbar a{color:var(--gold)}
@media(max-width:960px){.hero-in{padding:80px 0}.split,.k-grid{grid-template-columns:1fr;gap:40px}.grid3{grid-template-columns:1fr 1fr}.badges .in{grid-template-columns:1fr 1fr}.tl{grid-template-columns:1fr 1fr;gap:32px 0}.tl .t::after{display:none}.srv{grid-template-columns:1fr}.nav-links{display:none}.burger{display:block}footer .cols{grid-template-columns:1fr;gap:28px}section{padding:60px 0}.hero{min-height:520px}}
@media(max-width:620px){.grid3,.tl{grid-template-columns:1fr}.badges .in{grid-template-columns:1fr}.form .fg{grid-template-columns:1fr}}
html,body{overflow-x:hidden}