:root{--ink:#141516;--deep:#1c1d1f;--teal:#0b8396;--teal2:#14b4c8;--mint:#e5f8fa;--gold:#22cfe3;--gold2:#7ee8f4;--cream:#f3f5f6;--line:#e2e5e7;--muted:#5c6366;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:var(--teal)}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.4rem,5vw,3.9rem)}h2{font-size:clamp(1.9rem,3.4vw,2.7rem)}h3{font-size:1.3rem}
h1 em,h2 em{font-style:italic;color:var(--gold)}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--teal2);margin-bottom:14px}
.eyebrow.light{color:var(--gold2)}
.lead{font-size:1.15rem;color:var(--muted);max-width:620px}
.muted{color:var(--muted)}.muted-light{color:#b3b9bc}
.btn{display:inline-flex;align-items:center;gap:8px;padding:15px 28px;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#0b1416;box-shadow:0 8px 24px -10px rgba(34,207,227,.8)}
.btn-dark{background:var(--deep);color:#fff}
.btn-ghost{border-color:currentColor;color:var(--deep);background:transparent}
.btn-ghost.light{color:#fff}
.btn-sm{padding:10px 20px;font-size:.92rem}
/* header */
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--deep)}
.brand-mark{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--deep);color:var(--gold2);font-family:"Playfair Display",serif;font-style:italic;font-weight:700;font-size:1.35rem;border:2px solid var(--gold)}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-small{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--teal2)}
.brand-name{font-family:"Playfair Display",serif;font-size:1.25rem;font-weight:600}
.brand-name em{color:var(--gold)}
.brand-light{color:#fff}.brand-light .brand-small{color:var(--gold2)}
.nav{display:flex;align-items:center;gap:26px}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
.nav a:not(.btn):hover{color:var(--teal2)}
@media(max-width:900px){.nav a:not(.btn){display:none}}
/* hero */
.hero{position:relative;background:radial-gradient(1200px 500px at 85% -10%,rgba(34,207,227,.32),transparent 60%),linear-gradient(160deg,#232427 0%,#111213 70%);color:#fff;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(226,195,118,.55) 1px,transparent 1.5px);background-size:46px 46px;opacity:.12}
.hero-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:84px 24px 0}
.hero h1{color:#fff}.hero .lead{color:#cfd4d6}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin:30px 0 40px}
.hero-photo{position:relative;align-self:end}
.hero-photo img{border-radius:22px 22px 0 0;width:100%;max-height:600px;object-fit:cover;object-position:top}
.hero-badge{position:absolute;left:-26px;bottom:70px;background:#fff;color:var(--ink);border-radius:var(--r);padding:16px 20px;box-shadow:0 20px 40px -18px rgba(0,0,0,.5);max-width:230px}
.hero-badge strong{display:block;font-family:"Playfair Display",serif;font-size:1.9rem;color:var(--teal)}
.hero-badge span{font-size:.85rem;color:var(--muted)}
.trust{position:relative;border-top:1px solid rgba(255,255,255,.12);background:rgba(0,0,0,.25)}
.trust ul{list-style:none;margin:0;padding:22px 24px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.trust li{display:flex;align-items:center;gap:10px;font-size:.93rem;color:#e3e6e8}
.trust li:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold);flex:none}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;padding-top:56px}.hero-badge{left:12px}.trust ul{grid-template-columns:1fr 1fr}}
/* sections */
section{padding:96px 0}
.section-head{max-width:720px;margin-bottom:48px}
.center{text-align:center;margin-left:auto;margin-right:auto}
.bg-cream{background:var(--cream)}.bg-mint{background:var(--mint)}
.bg-dark{background:linear-gradient(160deg,#232427,#111213);color:#fff}.bg-dark h2{color:#fff}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:0 18px 40px -24px rgba(11,46,48,.45);transform:translateY(-2px)}
.card .icon{width:50px;height:50px;border-radius:12px;background:var(--mint);color:var(--teal);display:grid;place-items:center;margin-bottom:18px}
.card .icon svg{width:26px;height:26px}
.card p{color:var(--muted);margin:0}
.card.feature{background:var(--deep);color:#fff;border-color:var(--deep)}.card.feature p{color:#cfd4d6}.card.feature .icon{background:rgba(226,195,118,.15);color:var(--gold2)}
.card a.more{display:inline-block;margin-top:14px;font-weight:600;color:var(--gold2);text-decoration:none}
@media(max-width:900px){.cards{grid-template-columns:1fr}}
/* about */
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:center}
.about-photo{position:relative}
.about-photo img{border-radius:22px;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:top}
.about-photo:after{content:"";position:absolute;inset:18px -18px -18px 18px;border:2px solid var(--gold);border-radius:22px;z-index:-1}
.quote{font-family:"Playfair Display",serif;font-style:italic;font-size:1.45rem;color:var(--teal);border-left:3px solid var(--gold);padding-left:20px;margin:26px 0}
.timeline{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:14px}
.timeline li{display:grid;grid-template-columns:150px 1fr;gap:18px;padding:16px 0;border-top:1px solid var(--line)}
.timeline b{color:var(--teal);font-size:.9rem;letter-spacing:.04em}
.timeline span{color:var(--ink)}
@media(max-width:900px){.about-grid{grid-template-columns:1fr;gap:40px}.timeline li{grid-template-columns:1fr;gap:2px}}
/* results */
.results-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:28px;align-items:start}
.results-feature img{border-radius:var(--r);width:100%}
.result-list{display:grid;gap:18px}
.result{display:grid;grid-template-columns:140px 1fr;gap:18px;align-items:center;background:#fff;border-radius:var(--r);padding:14px;border:1px solid var(--line)}
.result img{border-radius:10px;width:140px;height:90px;object-fit:cover}
.result strong{font-family:"Playfair Display",serif;font-size:1.8rem;color:var(--teal);display:block;line-height:1}
.result span{color:var(--muted);font-size:.9rem}
.fineprint{font-size:.82rem;color:var(--muted);margin-top:18px}
@media(max-width:900px){.results-grid{grid-template-columns:1fr}}
/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.bubble{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:26px}
.bubble p{margin:0 0 14px;font-size:1.05rem;color:#eef8fa}
.bubble cite{font-style:normal;color:var(--gold2);font-weight:600;font-size:.9rem}
.stars{color:var(--gold2);letter-spacing:3px;margin-bottom:10px}
@media(max-width:1000px){.quotes{grid-template-columns:1fr 1fr}}@media(max-width:600px){.quotes{grid-template-columns:1fr}}
/* checklist & steps */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:22px;width:100%;aspect-ratio:1/1;object-fit:cover}
.checks{list-style:none;padding:0;margin:24px 0;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px}
.checks li:before{content:"✓";flex:none;width:24px;height:24px;border-radius:6px;background:var(--teal);color:#fff;display:grid;place-items:center;font-size:.8rem;font-weight:700}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{position:relative;padding:30px;border-radius:var(--r);background:#fff;border:1px solid var(--line)}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--gold2),var(--gold));font-weight:700;margin-bottom:16px}
.step p{color:var(--muted);margin:0}
@media(max-width:900px){.split,.steps{grid-template-columns:1fr}}
/* credit guide */
.guide{display:grid;grid-template-columns:auto 1fr auto;gap:36px;align-items:center;background:linear-gradient(135deg,#fff,var(--mint));border:1px solid #d3eef2;border-radius:22px;padding:44px}
.guide-cover{width:150px;aspect-ratio:3/4;border-radius:10px;background:linear-gradient(160deg,var(--deep),#111213);color:#fff;padding:18px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 20px 40px -20px rgba(11,46,48,.7);transform:rotate(-3deg)}
.guide-cover small{font-size:.6rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold2);font-weight:700}
.guide-cover b{font-family:"Playfair Display",serif;font-size:1.15rem;line-height:1.15}
.guide ul{margin:12px 0 0;padding-left:18px;color:var(--muted)}
@media(max-width:900px){.guide{grid-template-columns:1fr;padding:30px}.guide-cover{margin:auto}}
.cta-band{text-align:center}
.cta-band .lead{margin:0 auto 28px;color:#cfd4d6}
/* footer */
.site-footer{background:#0a1214;color:#e3e6e8;padding:64px 0 24px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}
.site-footer h4{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold2);margin:6px 0 14px}
.site-footer a:not(.brand){display:block;color:#e3e6e8;text-decoration:none;margin-bottom:8px;font-size:.95rem}
.site-footer a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:20px;font-size:.82rem;color:#8ea3a3}
.footer-bottom p{margin:0}
@media(max-width:800px){.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}}
/* intake */
.page-hero{background:linear-gradient(160deg,#232427,#111213);color:#fff;padding:64px 0 120px}
.page-hero h1{color:#fff;font-size:clamp(2rem,4vw,3rem)}.page-hero p{color:#cfd4d6;max-width:760px}
.form-shell{max-width:900px;margin:-80px auto 80px;padding:0 24px;position:relative}
.form-card{background:#fff;border-radius:22px;box-shadow:0 30px 60px -30px rgba(11,46,48,.45);border:1px solid var(--line);overflow:hidden}
.stepper{display:flex;border-bottom:1px solid var(--line);background:var(--cream);overflow-x:auto}
.stepper button{flex:1;min-width:120px;background:none;border:0;padding:18px 10px;font:600 .85rem Inter,sans-serif;color:var(--muted);cursor:pointer;border-bottom:3px solid transparent;white-space:nowrap}
.stepper button span{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:50%;background:#e4e8e6;margin-right:6px;font-size:.75rem}
.stepper button.active{color:var(--deep);border-bottom-color:var(--gold)}.stepper button.active span{background:var(--deep);color:#fff}
.stepper button.done span{background:var(--teal2);color:#fff}
fieldset.step-panel{border:0;margin:0;padding:36px 40px}
.js fieldset.step-panel{display:none}.js fieldset.step-panel.active{display:block}
.step-panel legend{font-family:"Playfair Display",serif;font-size:1.7rem;font-weight:600;padding:0;margin-bottom:6px;color:var(--deep)}
.step-panel h3{font-size:1.15rem;margin:32px 0 6px;padding-top:24px;border-top:1px solid var(--line);color:var(--teal)}
.note{background:var(--mint);border-radius:10px;padding:14px 18px;font-size:.92rem;color:#2b4a4b;margin:12px 0 4px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}.grid3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0 20px}
@media(max-width:700px){.grid2,.grid3{grid-template-columns:1fr}fieldset.step-panel{padding:28px 20px}}
.field{margin-top:18px}
.field>label,.field>.label{display:block;font-weight:600;font-size:.93rem;margin-bottom:7px}
.field .req{color:#b4462f}
.field input[type=text],.field input[type=email],.field input[type=tel],.field input[type=date],.field input[type=number],.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid #cfd6d4;border-radius:10px;font:inherit;background:#fff;color:var(--ink)}
.field textarea{min-height:90px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal2);box-shadow:0 0 0 3px rgba(31,138,138,.18)}
.choices{display:flex;flex-wrap:wrap;gap:8px}
.choices label{display:inline-flex;align-items:center;gap:8px;border:1px solid #cfd6d4;border-radius:999px;padding:8px 16px;cursor:pointer;font-size:.93rem;background:#fff}
.choices label:has(input:checked){border-color:var(--teal);background:var(--mint);color:var(--deep);font-weight:600}
.choices input{accent-color:var(--teal)}
.choices.grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.choices.grid label{border-radius:10px}
@media(max-width:700px){.choices.grid{grid-template-columns:1fr}}
.field input[type=file]{width:100%;padding:18px;border:2px dashed #bfc5c8;border-radius:12px;background:var(--cream);font:inherit;font-size:.9rem}
.hint{font-size:.83rem;color:var(--muted);margin-top:5px}
.consent-text{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:20px 22px;max-height:300px;overflow:auto;font-size:.9rem;color:#38494a}
.consent-text h4{margin:0 0 8px;color:var(--deep)}
.form-nav{display:flex;justify-content:space-between;gap:12px;padding:22px 40px;border-top:1px solid var(--line);background:var(--cream)}
.no-js .form-nav .prev,.no-js .form-nav .next{display:none}
.form-error{display:none;margin:0 40px;margin-top:20px;background:#fdecea;color:#8a2a1b;border-radius:10px;padding:14px 18px;font-weight:500}
.form-error.show{display:block}
.secure{display:flex;align-items:center;gap:8px;justify-content:center;color:var(--muted);font-size:.85rem;margin-top:18px}
.dependent{border:1px solid var(--line);border-radius:14px;padding:4px 22px 22px;margin-top:20px}
.dependent[hidden]{display:none}
[data-if][hidden]{display:none}
.thanks{text-align:center;max-width:640px;margin:0 auto;padding:110px 24px}
.thanks .seal{width:84px;height:84px;border-radius:50%;margin:0 auto 26px;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold2),var(--gold));font-size:2.2rem}