/* Layout concept: deep-navy "summit" bands alternate with cool paper sections; ridge-line motif from the Massif name;
   headings echo the signature lockup (light first word, bold second). */
:root{
  --ink-900:#06111F; --navy-800:#0A1C35; --navy-700:#0F2849; --navy-600:#173A63;
  --blue:#4A90C8; --blue-soft:#9CC4E4; --gold:#C59E5E; --gold-deep:#9C7A40;
  --paper:#F3F6F9; --white:#FFFFFF; --ink:#152033; --slate:#566377; --line:#DDE3EB; --line-dark:rgba(255,255,255,.12);
  --display:'Montserrat',system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --body:'Montserrat',system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  --r:14px; --shadow:0 24px 60px -24px rgba(6,17,31,.35);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--body);color:var(--ink);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased;font-size:16px}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding-left:max(24px,env(safe-area-inset-left,0px));padding-right:max(24px,env(safe-area-inset-right,0px))}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ---------- header */
.site-header{position:fixed;top:0;left:0;right:0;z-index:60;transition:background .3s,box-shadow .3s,border-color .3s;border-bottom:1px solid transparent;font-family:var(--body)}
.site-header.solid,.site-header.always{background:rgba(10,28,53,.96);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom-color:var(--line-dark)}
.site-header .bar{display:flex;align-items:center;justify-content:space-between;height:92px;gap:20px;transition:height .3s}
.site-header.solid .bar,.site-header.always.compact .bar{height:72px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:#fff}
.brand img{height:62px;width:62px;transition:height .3s,width .3s}
.site-header.solid .brand img{height:48px;width:48px}
.brand .wm{display:flex;flex-direction:column;line-height:1.05}
.brand .wm b{font-weight:700;letter-spacing:.26em;font-size:19px;transition:font-size .3s}
.site-header.solid .brand .wm b{font-size:16px}
.brand .wm i{font-style:normal;font-weight:500;letter-spacing:.3em;font-size:10.5px;color:var(--gold);margin-top:5px}
.site-nav{display:flex;gap:30px;align-items:center}
.site-nav a{color:rgba(255,255,255,.78);text-decoration:none;font-size:14px;font-weight:500;letter-spacing:.01em;position:relative}
.site-nav a:not(.btn):after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.site-nav a:hover{color:#fff}
.site-nav a:not(.btn):hover:after,.site-nav a[aria-current]:not(.btn):after{transform:scaleX(1)}
.site-nav a[aria-current]{color:#fff}
.menu-btn{display:none;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:8px;padding:9px 14px;font:600 13px var(--body);cursor:pointer;letter-spacing:.06em}

/* ---------- buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 26px;border-radius:8px;font-weight:600;font-size:15px;text-decoration:none;transition:transform .18s,box-shadow .18s,background .18s,color .18s;line-height:1.2;font-family:var(--body);border:1.5px solid transparent;cursor:pointer}
.btn svg{width:16px;height:16px;flex:none}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:var(--ink-900)!important;box-shadow:0 10px 24px -10px rgba(197,158,94,.7)}
.btn-gold:hover{box-shadow:0 14px 30px -10px rgba(197,158,94,.85)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{border-color:#fff}
.btn-navy{background:var(--navy-700);color:#fff}
.btn-line{border-color:var(--navy-700);color:var(--navy-700)}
.btn-line:hover{background:var(--navy-700);color:#fff}
.site-nav .btn{padding:11px 18px;font-size:14px}

/* ---------- type */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:22px}
.eyebrow:before{content:"";width:28px;height:1.5px;background:currentColor}
.lockup{font-family:var(--display);font-weight:300;letter-spacing:-.015em;line-height:1.08;text-wrap:balance}
.lockup b{font-weight:700}
h2.lockup{font-size:clamp(30px,3.8vw,46px);color:var(--navy-700);margin-bottom:18px}
.dark h2.lockup,.dark .lockup{color:#fff}
.lede{font-size:18px;color:var(--slate);max-width:62ch}
.dark .lede{color:rgba(255,255,255,.74)}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}

/* ---------- hero */
.hero{position:relative;background:radial-gradient(1200px 600px at 85% -10%,#1d4a7a 0%,transparent 60%),linear-gradient(170deg,var(--navy-800) 0%,var(--ink-900) 100%);color:#fff;overflow:hidden;isolation:isolate}
.hero canvas.ridges{position:absolute;inset:auto 0 0 0;width:100%;height:62%;z-index:-1;opacity:.9;pointer-events:none}
.hero .wrap{padding-top:168px;padding-bottom:120px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
.hero h1{font-size:clamp(40px,5.6vw,72px);margin-bottom:26px}
.hero h1 b{color:#fff}
.hero h1 .accent{color:var(--blue-soft);font-weight:300}
.hero .lede{font-size:clamp(17px,1.5vw,19px);margin-bottom:38px;color:rgba(255,255,255,.78)}
.ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero-points{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:46px;padding-top:28px;border-top:1px solid var(--line-dark)}
.hero-points div{font-size:13px;color:rgba(255,255,255,.66);line-height:1.5}
.hero-points strong{display:block;color:#fff;font-size:15px;font-weight:600;margin-bottom:2px}
.page-hero .wrap{padding-top:156px;padding-bottom:84px}
.page-hero h1{font-size:clamp(36px,4.6vw,58px);margin-bottom:20px;max-width:900px}

/* quick DSCR card */
.qcalc{background:rgba(10,28,53,.72);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:28px;backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);box-shadow:0 40px 80px -30px rgba(0,0,0,.6)}
.qcalc header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:20px;gap:12px}
.qcalc h2{font-size:15px;font-weight:600;letter-spacing:.02em}
.qcalc header span{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;white-space:nowrap}
.qgrid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.qgrid label{display:flex;flex-direction:column;gap:6px;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.6);font-weight:600}
.qgrid input{font:500 16px var(--mono);color:#fff;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:8px;padding:11px 12px;width:100%;font-variant-numeric:tabular-nums;transition:border-color .2s,background .2s}
.qgrid input:focus{outline:none;border-color:var(--gold);background:rgba(255,255,255,.1)}
.qout{margin-top:20px;border-top:1px solid var(--line-dark);padding-top:18px;display:grid;grid-template-columns:1.1fr 1fr;gap:16px;align-items:end}
.dscr-val{font:600 46px/1 var(--mono);letter-spacing:-.02em}
.dscr-lbl{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.6);font-weight:700;margin-bottom:8px;display:flex;gap:10px;align-items:center}
.pill{font-size:10px;letter-spacing:.14em;padding:3px 9px;border-radius:999px;font-weight:700}
.pill.good{background:rgba(110,205,150,.16);color:#7FD8A6}
.pill.ok{background:rgba(232,183,92,.18);color:#F0C574}
.pill.low{background:rgba(240,110,110,.16);color:#F49A9A}
.qside div{display:flex;justify-content:space-between;font-size:13px;color:rgba(255,255,255,.66);padding:5px 0;gap:10px}
.qside b{font:600 14px var(--mono);color:#fff}
.meter{height:6px;border-radius:99px;background:rgba(255,255,255,.1);margin-top:16px;position:relative;overflow:hidden}
.meter i{position:absolute;inset:0 auto 0 0;border-radius:99px;background:linear-gradient(90deg,#E07A7A,#E8B75C 45%,#6ECD96 70%);transition:width .35s}
.meter-scale{display:flex;justify-content:space-between;font:500 10px var(--mono);color:rgba(255,255,255,.45);margin-top:6px}
.qcalc .more{display:flex;justify-content:space-between;align-items:center;margin-top:20px;font-size:13px;color:rgba(255,255,255,.6);gap:10px;flex-wrap:wrap}
.qcalc .more a{color:var(--gold);font-weight:600;text-decoration:none}
.qcalc .more a:hover{text-decoration:underline}

/* ---------- sections */
section{padding-block:112px;position:relative}
.paper{background:var(--paper)}
.dark{background:var(--navy-800);color:#fff}
.head{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:end;margin-bottom:56px}
.head.single{grid-template-columns:1fr;max-width:760px}

/* programs */
.programs{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.prog{border-right:1px solid var(--line);border-bottom:1px solid var(--line);padding:38px 34px 34px;text-decoration:none;display:flex;flex-direction:column;gap:12px;background:#fff;position:relative;transition:background .25s}
.prog:before{content:"";position:absolute;left:0;top:0;height:3px;width:0;background:var(--gold);transition:width .35s}
.prog:hover{background:var(--paper)}
.prog:hover:before{width:100%}
.prog svg{width:34px;height:34px;color:var(--navy-700);margin-bottom:8px}
.prog h3{font-size:19px;font-weight:600;color:var(--navy-700)}
.prog p{font-size:15px;color:var(--slate)}
.prog .go{margin-top:auto;padding-top:10px;font-size:13px;font-weight:600;color:var(--blue);display:flex;align-items:center;gap:8px;letter-spacing:.02em}
.prog .go svg{width:14px;height:14px;margin:0;color:inherit;transition:transform .2s}
.prog:hover .go svg{transform:translateX(4px)}

/* why */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.why article{padding-top:28px;border-top:1px solid var(--line-dark)}
.why .k{font:500 13px var(--mono);color:var(--gold);letter-spacing:.06em;margin-bottom:18px}
.why h3{font-size:22px;font-weight:600;line-height:1.25;margin-bottom:12px}
.why p{color:rgba(255,255,255,.72);font-size:15.5px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s;position:relative}
.step{padding:0 28px 0 0;position:relative}
.step .dot{width:44px;height:44px;border-radius:50%;border:1.5px solid var(--navy-700);display:grid;place-items:center;font:600 14px var(--mono);color:var(--navy-700);background:var(--paper);position:relative;z-index:1;margin-bottom:22px}
.step:not(:last-child):after{content:"";position:absolute;top:22px;left:44px;right:0;height:1.5px;background:repeating-linear-gradient(90deg,var(--line) 0 6px,transparent 6px 12px)}
.step h3{font-size:18px;font-weight:600;color:var(--navy-700);margin-bottom:8px}
.step p{font-size:15px;color:var(--slate)}

/* calculator feature */
.calc-feature{display:grid;grid-template-columns:1fr 1.05fr;gap:72px;align-items:center}
.tabs-mock{border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);background:#fff;border:1px solid var(--line)}
.tabs-mock .tbar{display:flex;gap:4px;padding:14px 16px 0;background:var(--navy-800);overflow-x:auto}
.tabs-mock .tbar span{font-size:12px;font-weight:600;color:rgba(255,255,255,.62);padding:9px 14px;border-radius:8px 8px 0 0;white-space:nowrap}
.tabs-mock .tbar span.on{background:#fff;color:var(--navy-700)}
.tabs-mock .tbody{padding:26px;display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.metric{border:1px solid var(--line);border-radius:10px;padding:16px 18px}
.metric small{display:block;font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--slate);font-weight:700;margin-bottom:6px}
.metric b{font:600 24px var(--mono);color:var(--navy-700)}
.metric b.g{color:#1E8A55}
.metric.wide{grid-column:1/-1;background:var(--navy-700);border-color:var(--navy-700)}
.metric.wide small{color:rgba(255,255,255,.6)}
.metric.wide b{color:#fff}
.checks{list-style:none;display:grid;gap:12px;margin:28px 0 34px}
.checks li{display:flex;gap:12px;align-items:flex-start;font-size:15.5px;color:var(--ink)}
.checks li svg{flex:none;width:20px;height:20px;color:var(--gold-deep);margin-top:2px}

/* about teaser */
.person{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;align-items:center}
.portrait{position:relative}
.portrait img{border-radius:var(--r);width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:50% 30%;box-shadow:var(--shadow)}
.portrait:before{content:"";position:absolute;inset:24px -24px -24px 24px;border:1.5px solid var(--gold);border-radius:var(--r);z-index:-1}
.person .role{font-size:13px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin:-6px 0 24px}
.person p{color:var(--slate);font-size:17px;margin-bottom:16px;max-width:60ch}
blockquote.pull{font-family:var(--display);font-weight:300;font-size:clamp(22px,2.4vw,30px);line-height:1.3;color:var(--navy-700);border-left:3px solid var(--gold);padding:4px 0 4px 26px;margin:30px 0;max-width:30ch;text-wrap:balance}
blockquote.pull b{font-weight:700}

/* CTA */
.cta{background:linear-gradient(160deg,var(--navy-700),var(--navy-800));color:#fff;overflow:hidden;isolation:isolate}
.cta canvas.ridges{position:absolute;inset:auto 0 0 0;width:100%;height:70%;z-index:-1;opacity:.55;pointer-events:none}
.cta-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center}
.cta h2{font-size:clamp(32px,4vw,50px);margin-bottom:18px}
.cta h2.lockup{color:#fff}
.cta .lede{color:rgba(255,255,255,.76)}
.cta .lede{margin-bottom:32px}
.cbox{border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:10px 30px;background:rgba(6,17,31,.35);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.cbox div{display:flex;flex-direction:column;padding:18px 0;border-bottom:1px solid var(--line-dark)}
.cbox div:last-child{border-bottom:0}
.cbox small{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:4px}
.cbox a,.cbox span{color:#fff;text-decoration:none;font-size:17px;font-weight:500}
.cbox a:hover{color:var(--gold)}

/* financing page */
.jump{display:flex;flex-wrap:wrap;gap:10px;margin-top:34px}
.jump a{font-size:13px;font-weight:600;color:#fff;text-decoration:none;border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:9px 16px;transition:border-color .2s,color .2s}
.jump a:hover{border-color:var(--gold);color:var(--gold)}
.program{display:grid;grid-template-columns:320px 1fr;gap:64px;padding-block:56px;border-top:1px solid var(--line);scroll-margin-top:100px}
.program:first-child{border-top:0;padding-top:0}
.program .side svg{width:40px;height:40px;color:var(--navy-700);margin-bottom:18px}
.program h2{font-size:28px;font-weight:300;color:var(--navy-700);line-height:1.2;margin-bottom:14px;letter-spacing:-.01em}
.program h2 b{font-weight:700}
.tag{display:inline-block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--gold-deep);border:1px solid #E6D6BA;background:#FBF7F0;border-radius:999px;padding:5px 12px}
.program .body>p{color:var(--slate);font-size:17px;margin-bottom:26px;max-width:66ch}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.col{background:var(--paper);border-radius:12px;padding:24px 26px}
.col h4{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--navy-700);margin-bottom:14px;font-weight:700}
.col ul{list-style:none;display:grid;gap:10px}
.col li{position:relative;padding-left:20px;font-size:15px;color:var(--ink)}
.col li:before{content:"";position:absolute;left:0;top:10px;width:8px;height:1.5px;background:var(--gold-deep)}

/* about page */
.bio{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;align-items:start}
.bio .portrait{position:sticky;top:110px}
.bio .portrait img{aspect-ratio:2/3;object-position:50% 20%}
.bio-body p{font-size:17.5px;color:var(--slate);margin-bottom:20px;max-width:64ch}
.bio-body p.first{font-size:21px;color:var(--ink);line-height:1.55}
.bio-body h3{font-size:13px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);margin:44px 0 16px;font-weight:700}
.facts{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden;margin-top:12px}
.facts div{background:#fff;padding:22px 24px}
.facts small{display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--slate);font-weight:700;margin-bottom:6px}
.facts span{font-size:15.5px;color:var(--navy-700);font-weight:600;line-height:1.45;display:block}
.promise{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.promise article{background:#fff;border:1px solid var(--line);border-radius:12px;padding:30px}
.promise h3{font-size:18px;color:var(--navy-700);font-weight:600;margin-bottom:8px}
.promise p{font-size:15px;color:var(--slate)}

/* contact page */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.panel{border:1px solid var(--line);border-radius:16px;padding:38px;background:#fff}
.panel h2{font-size:24px;font-weight:300;color:var(--navy-700);margin-bottom:8px}
.panel h2 b{font-weight:700}
.panel>p{color:var(--slate);margin-bottom:22px}
.dl div{display:flex;flex-direction:column;padding:16px 0;border-bottom:1px solid var(--line)}
.dl div:last-child{border-bottom:0}
.dl small{font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin-bottom:4px}
.dl a,.dl span{color:var(--navy-700);text-decoration:none;font-size:17px;font-weight:500}
.dl a:hover{color:var(--blue)}
.checklist{list-style:none;display:grid;gap:14px;counter-reset:c}
.checklist li{display:flex;gap:14px;color:var(--ink);font-size:15.5px;align-items:flex-start}
.checklist li:before{counter-increment:c;content:counter(c);flex:none;width:28px;height:28px;border-radius:50%;border:1.5px solid var(--navy-700);color:var(--navy-700);font:600 12px var(--mono);display:grid;place-items:center}

/* reviews */
.reviews-top{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:6px}
.gscore{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px 8px 10px}
.gscore .g{width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.15);font:700 15px/1 Arial,sans-serif}
.gscore b{font:600 18px var(--mono);color:var(--navy-700)}
.stars{color:#F4B400;letter-spacing:2px;font-size:15px}
.gscore small{color:var(--slate);font-size:13px}
.reviews{columns:3 320px;column-gap:22px}
.review{break-inside:avoid;background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px;margin-bottom:22px;display:flex;flex-direction:column;gap:16px}
.review .q{font-size:15.5px;color:var(--ink);line-height:1.65}
.review .q:before{content:"\201C";display:block;font:300 54px/0.6 var(--display);color:var(--gold);margin-bottom:10px}
.review footer{display:flex;align-items:center;gap:12px;border-top:1px solid var(--line);padding-top:16px}
.review .av{width:38px;height:38px;border-radius:50%;background:var(--navy-700);color:#fff;display:grid;place-items:center;font-weight:600;font-size:14px;flex:none}
.review .who{display:flex;flex-direction:column;line-height:1.35;min-width:0}
.review .who b{font-size:14.5px;color:var(--navy-700)}
.review .who span{font-size:12.5px;color:var(--slate)}
.review .src{margin-left:auto;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--slate);font-weight:700;white-space:nowrap}
.review .tagline{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);font-weight:700}
/* advisory */
.svc{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc article{background:#fff;border:1px solid var(--line);border-radius:16px;padding:34px 30px;display:flex;flex-direction:column;gap:14px;position:relative;overflow:hidden}
.svc article:after{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--gold),var(--blue))}
.svc .n{font:500 13px var(--mono);color:var(--gold-deep)}
.svc h3{font-size:22px;font-weight:300;color:var(--navy-700);line-height:1.2}
.svc h3 b{font-weight:700}
.svc p{color:var(--slate);font-size:15.5px}
.svc ul{list-style:none;display:grid;gap:9px;margin-top:4px;padding-top:16px;border-top:1px solid var(--line)}
.svc li{position:relative;padding-left:20px;font-size:14.5px;color:var(--ink)}
.svc li:before{content:"";position:absolute;left:0;top:10px;width:8px;height:1.5px;background:var(--gold-deep)}
.fit{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-dark);border:1px solid var(--line-dark);border-radius:14px;overflow:hidden}
.fit div{background:var(--navy-800);padding:28px 24px}
.fit h3{font-size:17px;font-weight:600;margin-bottom:8px}
.fit p{font-size:14.5px;color:rgba(255,255,255,.7)}
.note{font-size:13px;color:var(--slate);border-left:3px solid var(--line);padding-left:16px;margin-top:40px;max-width:80ch}
/* faq */
.faq{display:grid;gap:12px;max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 24px}
.faq summary{cursor:pointer;list-style:none;padding:20px 0;font-weight:600;color:var(--navy-700);font-size:17px;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font:300 26px/1 var(--display);color:var(--gold-deep);transition:transform .25s}
.faq details[open] summary:after{transform:rotate(45deg)}
.faq details p{padding:0 0 22px;color:var(--slate);font-size:15.5px;max-width:72ch}
/* deal review form */
.dform{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.dform .full{grid-column:1/-1}
.dform label{display:flex;flex-direction:column;gap:7px;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--navy-700);font-weight:700}
.dform input,.dform select,.dform textarea{font:400 16px var(--body);color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:8px;padding:12px 13px;width:100%;letter-spacing:normal;text-transform:none;transition:border-color .2s,box-shadow .2s}
.dform textarea{min-height:96px;resize:vertical}
.dform input:focus,.dform select:focus,.dform textarea:focus{outline:none;border-color:var(--navy-700);box-shadow:0 0 0 3px rgba(74,144,200,.18)}
.dform .consent{flex-direction:row;align-items:flex-start;gap:10px;font-size:12.5px;letter-spacing:normal;text-transform:none;color:var(--slate);font-weight:400}
.dform .consent input{width:auto;margin-top:3px}
.dform .hp{position:absolute;left:-9999px;width:1px;height:1px}
.form-msg{font-size:14px;color:var(--slate)}
.form-msg.ok{color:#1E8A55;font-weight:600}
.form-msg.err{color:#B42318}
.seo-copy{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.seo-copy h3{font-size:18px;color:var(--navy-700);margin-bottom:8px;font-weight:600}
.seo-copy p{font-size:15px;color:var(--slate)}

/* footer */
.site-footer{background:var(--ink-900);color:rgba(255,255,255,.6);font-size:14px;padding-block:72px 36px;font-family:var(--body)}
.site-footer .top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:40px;border-bottom:1px solid var(--line-dark)}
.site-footer .brand{margin-bottom:18px}
.site-footer p{max-width:36ch;line-height:1.6}
.site-footer h5{font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;font-weight:700}
.site-footer ul{list-style:none;display:grid;gap:10px}
.site-footer a{text-decoration:none;color:rgba(255,255,255,.78)}
.site-footer a:hover{color:#fff}
.site-footer .legal{padding-top:26px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-size:12.5px;line-height:1.7;color:rgba(255,255,255,.48)}
.site-footer .legal p{max-width:820px}

/* reveal: visible at rest, gentle rise when JS + motion allowed */
.hero .hero-grid>*,.page-hero .wrap>*{animation:up .8s cubic-bezier(.2,.7,.2,1) both}
.js .pre{opacity:0;transform:translateY(22px)}
.rise{transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.prog svg{transition:transform .35s cubic-bezier(.2,.7,.2,1)}
.prog:hover svg:first-child{transform:translateY(-4px) scale(1.06)}
.prog{transition:background .25s,transform .3s,box-shadow .3s}
.prog:hover{transform:translateY(-3px);box-shadow:0 18px 40px -22px rgba(15,40,73,.35);z-index:1}
.hero .hero-grid>*:nth-child(2){animation-delay:.15s}
@keyframes up{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}

/* responsive */
@media (max-width:1040px){
  .hero-grid,.calc-feature,.person,.cta-grid,.bio{grid-template-columns:1fr;gap:56px}
  .bio .portrait{position:relative;top:0;max-width:420px}
  .person .portrait{max-width:440px}
  .head{grid-template-columns:1fr;gap:12px}
  .programs{grid-template-columns:1fr 1fr}
  .why,.promise,.svc,.seo-copy{grid-template-columns:1fr;gap:22px}
  .fit{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;gap:40px 0}
  .step:nth-child(2):after{display:none}
  .program{grid-template-columns:1fr;gap:20px}
  .site-footer .top{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .menu-btn{display:block}
  .site-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy-800);flex-direction:column;align-items:stretch;gap:0;padding:6px max(20px,env(safe-area-inset-left,0px)) 24px;border-bottom:1px solid var(--line-dark)}
  .site-nav.open{display:flex}
  .site-header.open{background:var(--navy-800)}
  .site-nav a{padding:16px 0;border-bottom:1px solid var(--line-dark);font-size:17px}
  .site-nav a:not(.btn):after{display:none}
  .site-nav a[aria-current]{color:var(--gold)}
  .site-nav .btn{margin-top:18px;justify-content:center;border-bottom:0}
}
@media (max-width:640px){
  .wrap{padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
  section{padding-block:80px}
  .hero .wrap{padding-top:128px;padding-bottom:80px}
  .page-hero .wrap{padding-top:120px;padding-bottom:64px}
  .programs,.cols,.facts,.contact-grid,.steps,.site-footer .top,.fit,.dform{grid-template-columns:1fr}
  .review{padding:22px}
  .step:after{display:none}
  .prog{padding:30px 24px}
  .qgrid{grid-template-columns:1fr 1fr}
  .qout{grid-template-columns:1fr}
  .tabs-mock .tbody{grid-template-columns:1fr 1fr;padding:18px}
  .metric b{font-size:19px}
  .panel{padding:28px 22px}
  .portrait:before{inset:16px -12px -12px 16px}
  .brand .wm b{font-size:15px}
  .brand img{height:50px;width:50px}
  .site-header .bar{height:76px}
  .hero-points{grid-template-columns:1fr;gap:14px}
}