*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;line-height:1.6;font-size:17px}
img{max-width:100%}a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.center{text-align:center}
.nav{position:sticky;top:0;z-index:10}
.navin{display:flex;align-items:center;justify-content:space-between;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:700;font-size:1.15rem}
.brand img,.flogo{width:46px;height:46px;border-radius:50%;object-fit:cover}
.links{display:flex;align-items:center;gap:22px}
.links a{text-decoration:none;font-weight:600}
.mt,.burger{display:none}
.btn{display:inline-block;background:#B22234;color:#fff !important;text-decoration:none;font-weight:700;border:0;border-radius:6px;padding:12px 24px;cursor:pointer;font:inherit;font-weight:700}
.btn:hover{background:#951c2b}.btn.sm{padding:8px 16px;font-size:.92rem}.btn.lg{padding:15px 32px;font-size:1.08rem}
.hero{position:relative;overflow:hidden}
.heroin{display:grid;grid-template-columns:300px 1fr;gap:48px;align-items:center;padding:64px 22px 120px}
.hlogo{width:300px;height:300px;border-radius:50%;object-fit:cover;box-shadow:0 10px 30px rgba(0,0,0,.25)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.85rem;font-weight:700;margin:0 0 8px}
h1{font-size:2.8rem;line-height:1.15;margin:0 0 16px}h2{font-size:2rem;margin:0 0 14px}h3{margin:0 0 8px}
.pitch{font-size:1.15rem;max-width:560px}.phone{margin-left:12px}
.ridge{position:absolute;left:0;bottom:-1px;width:100%;height:110px;display:block}
.band{padding:72px 0}.lead{font-size:1.1rem;max-width:720px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:26px 0}
.cards.c4{grid-template-columns:repeat(4,1fr)}
.card{border-radius:10px;padding:26px}
.more{font-weight:700}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.stats{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px}
.stats div{border-radius:10px;padding:22px 10px;text-align:center}
.stats b{display:block;font-size:2rem}.stats span{font-size:.9rem}
.revs{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.rev{margin:0;border-radius:10px;padding:26px;font-style:italic}.rev cite{display:block;font-size:.9rem;margin-top:8px;opacity:.75}
.cta p{max-width:640px;margin:0 auto 22px}
.foot{position:relative;padding-top:110px}.foot .ridge{top:0;bottom:auto}
.footin{padding:34px 0 18px}.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.foot h4{margin:0 0 8px}.foot a{text-decoration:none}.copy{font-size:.85rem;opacity:.7;margin-top:22px}
@media(max-width:820px){
 .burger{display:block;font-size:1.7rem;cursor:pointer}
 .links{display:none;position:absolute;top:68px;left:0;right:0;flex-direction:column;padding:18px;gap:14px}
 .mt:checked~.links{display:flex}
 .heroin{grid-template-columns:1fr;text-align:center;padding:40px 22px 110px;gap:24px}
 .hlogo{width:200px;height:200px;margin:0 auto}h1{font-size:2rem}.pitch{margin:0 auto 16px}
 .phone{display:block;margin:12px 0 0}
 .cards,.cards.c4,.split,.revs,.fgrid{grid-template-columns:1fr}
}
/* Two Moods: energetic dark bands + calm airy white bands */
body{font-family:'Poppins',system-ui,sans-serif;color:#1E2538;background:#fff}
h1,h2,h3,h4,.brand{font-weight:800}
.nav{background:#1E2538;color:#fff}.links{background:#1E2538}
.dark{background:linear-gradient(135deg,#1E2538 0%,#1F3A7A 140%);color:#fff;position:relative}
.dark h1,.dark h2{text-transform:uppercase;letter-spacing:.02em}
.dark .eyebrow{color:#fff;opacity:.8}
.hero.dark{border-bottom:6px solid #B22234}.heroin{padding-bottom:80px}
.calm{background:#F7F8FA}.calm h2{font-family:'Lora',Georgia,serif;font-weight:400;font-style:italic;font-size:2.2rem}
.calm .lead,.calm p{color:#4a5163}
.calm .card{background:#fff;border:1px solid #e6e8ec;box-shadow:0 6px 24px rgba(30,37,56,.06)}
.dark .stats div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2)}.dark .stats b{color:#fff}
.calm .rev{background:#fff;border:1px solid #e6e8ec;color:#7a8090}
.dark .more,.dark a:not(.btn){color:#fff}.calm .more{color:#1F3A7A}
.band.dark{padding:84px 0}.band.calm{padding:88px 0}
.foot{padding-top:0;background:#1E2538;color:#fff}
/* subpages */
.links a.on{border-bottom:2px solid #fff}
.phead{padding:60px 0}.phead h1{margin-bottom:6px;text-transform:uppercase}
.rates{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:22px 0}
.rate{background:#fff;border:1px solid #e6e8ec;border-top:5px solid #1E2538;border-radius:10px;padding:26px;box-shadow:0 6px 24px rgba(30,37,56,.06)}
.rate b{font-size:2.3rem;font-weight:800;color:#1E2538}.rate small{font-size:1rem;color:#9AA0A6}
.note{font-style:italic;color:#5f6573}.list{padding-left:20px}.list li{margin:6px 0}
.calm h2+h3,.calm .card h3{font-weight:600}
.ph{border:2px dashed #9AA0A6;color:#6b7180;padding:60px 20px;border-radius:10px}
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px;background:#fff;border:1px solid #e6e8ec;border-radius:10px;padding:28px;box-shadow:0 6px 24px rgba(30,37,56,.06)}
.form .note,.form .full,.form button{grid-column:1/-1}
.form label{display:flex;flex-direction:column;font-weight:600;font-size:.95rem;gap:6px}
.form input,.form select,.form textarea{font:inherit;padding:10px 12px;border:1px solid #c9ccd1;border-radius:6px;background:#fff;color:#1E2538}
.form-split{grid-template-columns:3fr 2fr}
@media(max-width:820px){.rates,.form,.form-split{grid-template-columns:1fr}}
.calm .stats div{background:#fff;border:1px solid #e6e8ec;box-shadow:0 6px 24px rgba(30,37,56,.06)}
.notice{grid-column:1/-1;background:#FFF4F5;border:2px solid #B22234;border-radius:8px;padding:16px 18px;font-size:1.05rem;color:#1E2538}
.notice a{color:#B22234;font-weight:700}
.btn[disabled]{background:#9AA0A6;cursor:not-allowed}