:root{
  --bg:#FAF6EE;
  --bg-alt:#F1EADA;
  --paper:#FFFDF8;
  --ink:#1E2A32;
  --ink-soft:#4B5B63;
  --accent:#8C6A3F;
  --accent-deep:#6B4E2E;
  --gold:#C79A4B;
  --line:#DCCFAF;
  --rule:#A24A42;
  --radius:10px;
  --max:1160px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:'Inter',-apple-system,'Segoe UI',sans-serif;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:var(--accent-deep);}
.container{max-width:var(--max);margin:0 auto;padding:0 24px;}
.skip-link{position:absolute;left:-999px;top:auto;background:var(--ink);color:#fff;padding:10px 16px;border-radius:6px;z-index:200;}
.skip-link:focus{left:16px;top:16px;}

/* Header */
header.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(250,246,238,0.94);
  backdrop-filter:blur(6px);
  border-bottom:1px solid var(--line);
}
.header-inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:10px 24px;max-width:var(--max);margin:0 auto;}

.logo-lockup{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0;}
.logo-mark{width:40px;height:40px;border-radius:50%;background:var(--ink);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.logo-mark svg{width:21px;height:21px;color:var(--gold);}
.logo-text{display:flex;flex-direction:column;line-height:1;}
.logo-text .l-top,.logo-text .l-bottom{font-size:0.6rem;letter-spacing:2.2px;text-transform:uppercase;font-weight:700;color:var(--ink-soft);}
.logo-text .l-bottom{color:var(--accent);}
.logo-text .l-mid{font-family:'Great Vibes','Segoe Script','Brush Script MT',cursive;font-size:1.55rem;color:var(--ink);line-height:1.15;margin:0;}

.nav-toggle-checkbox{display:none;}
.nav-toggle-btn{display:none;cursor:pointer;padding:8px;color:var(--ink);}
.nav-toggle-btn svg{width:24px;height:24px;}

nav.main-nav ul{list-style:none;display:flex;align-items:center;gap:18px;margin:0;padding:0;}
nav.main-nav a{font-size:0.85rem;font-weight:500;color:var(--ink-soft);text-decoration:none;padding:6px 1px;border-bottom:2px solid transparent;white-space:nowrap;}
nav.main-nav a:hover{color:var(--accent-deep);border-bottom-color:var(--gold);}
.nav-dropdown{position:relative;}
.nav-dropdown summary{list-style:none;cursor:pointer;font-size:0.85rem;font-weight:500;color:var(--ink-soft);padding:6px 1px;display:flex;align-items:center;gap:4px;}
.nav-dropdown summary::-webkit-details-marker{display:none;}
.nav-dropdown summary::after{content:"\25BE";font-size:0.7rem;color:var(--accent);}
.nav-dropdown summary:hover{color:var(--accent-deep);}
.nav-dropdown[open] summary{color:var(--accent-deep);}
.nav-dropdown .dropdown-panel{
  list-style:none;margin:0;padding:10px;position:absolute;top:100%;left:0;
  background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--rule);
  border-radius:8px;box-shadow:0 12px 28px rgba(30,42,50,0.12);min-width:220px;z-index:50;
}
.nav-dropdown .dropdown-panel li{margin:0;}
.nav-dropdown .dropdown-panel a{display:block;padding:8px 10px;white-space:nowrap;border-bottom:none;border-radius:5px;}
.nav-dropdown .dropdown-panel a:hover{background:var(--bg-alt);}
.header-cta{flex-shrink:0;}

@media (max-width:900px){
  .nav-toggle-btn{display:block;}
  nav.main-nav{
    display:none;position:absolute;left:0;right:0;top:100%;
    background:var(--paper);border-bottom:1px solid var(--line);
    padding:14px 24px 22px;box-shadow:0 12px 20px rgba(30,42,50,0.08);
  }
  .nav-toggle-checkbox:checked ~ nav.main-nav{display:block;}
  nav.main-nav ul{flex-direction:column;align-items:flex-start;gap:2px;}
  .nav-dropdown{width:100%;}
  .nav-dropdown .dropdown-panel{position:static;box-shadow:none;border:none;border-left:2px solid var(--rule);margin-top:4px;padding:4px 0 4px 10px;min-width:0;}
}

/* Buttons */
.btn{
  display:inline-block;background:var(--ink);color:#fff;text-decoration:none;
  padding:13px 28px;border-radius:6px;font-weight:600;font-size:0.95rem;
  border:1px solid var(--ink);transition:background .2s ease, color .2s ease;
}
.btn:hover{background:var(--accent-deep);border-color:var(--accent-deep);}
.btn:disabled{opacity:0.65;cursor:not-allowed;}
.btn-outline{background:transparent;color:var(--ink);border:1px solid var(--ink);}
.btn-outline:hover{background:var(--ink);color:#fff;}

/* Hero */
.hero{
  position:relative;
  padding:88px 0 96px;
  background:
    repeating-linear-gradient(180deg, transparent 0 38px, rgba(140,106,63,0.055) 39px 40px),
    linear-gradient(180deg,var(--bg) 0%, var(--bg-alt) 100%);
  border-bottom:1px solid var(--line);
  overflow:hidden;
}
.hero::before{
  content:"";position:absolute;left:0;top:0;bottom:0;width:56px;
  background:linear-gradient(90deg, rgba(162,74,66,0.08), transparent);
  border-right:1px solid rgba(162,74,66,0.25);
}
.hero-inner{max-width:760px;margin:0 auto;padding:0 24px;text-align:center;position:relative;}
.eyebrow{
  display:inline-block;font-size:0.78rem;letter-spacing:2px;text-transform:uppercase;
  color:var(--accent-deep);font-weight:600;margin-bottom:18px;
  border:1px solid var(--line);background:var(--paper);padding:6px 14px;border-radius:30px;
}
.hero h1{
  font-family:'Great Vibes','Segoe Script','Brush Script MT',cursive;
  font-size:4.4rem;line-height:1.05;margin:0 0 10px;color:var(--ink);font-weight:400;
}
.hero h2{
  font-size:1.35rem;font-weight:500;color:var(--ink-soft);margin:0 0 22px;line-height:1.5;
}
.hero p.lede{font-size:1.05rem;color:var(--ink-soft);margin:0 0 34px;}
.hero-ctas{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;}

/* Section framework */
section{padding:80px 0;}
section.alt{background:var(--bg-alt);}
.section-head{max-width:680px;margin:0 0 44px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.kicker{font-size:0.78rem;letter-spacing:1.8px;text-transform:uppercase;color:var(--accent);font-weight:700;margin:0 0 10px;}
h2.section-title{font-size:2rem;margin:0 0 14px;color:var(--ink);font-weight:700;}
.section-body{color:var(--ink-soft);font-size:1.02rem;max-width:640px;}

/* Services grid */
.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;}
.service-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 28px;scroll-margin-top:90px;
  border-left:3px solid var(--rule);
}
.service-card .icon{width:38px;height:38px;color:var(--accent-deep);margin-bottom:16px;}
.service-card h3{font-size:1.18rem;margin:0 0 10px;color:var(--ink);}
.service-card p{margin:0;color:var(--ink-soft);font-size:0.97rem;}

/* Nationwide / Who we help / Traditional */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.ledger-badge{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:32px;position:relative;
}
.ledger-badge::before{content:"";position:absolute;left:22px;top:0;bottom:0;width:1px;background:rgba(162,74,66,0.35);}
.ledger-badge ul{margin:0;padding-left:40px;color:var(--ink-soft);}
.ledger-badge li{margin-bottom:10px;}

.chip-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px;}
.chip{background:var(--paper);border:1px solid var(--line);border-radius:30px;padding:8px 18px;font-size:0.9rem;color:var(--ink-soft);}

.cta-banner{
  text-align:center;background:var(--ink);color:#fff;border-radius:var(--radius);
  padding:54px 40px;
}
.cta-banner h2{color:#fff;}
.cta-banner p{color:#D8CFC0;max-width:560px;margin:0 auto 26px;}
.cta-banner .btn{background:var(--gold);border-color:var(--gold);color:var(--ink);}
.cta-banner .btn:hover{background:#fff;border-color:#fff;}

/* Group services */
.group-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;}
.group-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;text-decoration:none;color:var(--ink);display:block;transition:box-shadow .2s ease, transform .2s ease;
}
.group-card:hover{box-shadow:0 8px 24px rgba(30,42,50,0.08);transform:translateY(-2px);}
.group-card h3{margin:0 0 8px;font-size:1.08rem;}
.group-card p{margin:0 0 12px;color:var(--ink-soft);font-size:0.92rem;}
.group-card span.link{color:var(--accent-deep);font-weight:600;font-size:0.88rem;}

/* FAQ */
.faq-list{max-width:760px;margin:0 auto;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-item summary{
  cursor:pointer;padding:20px 4px;font-weight:600;font-size:1.02rem;list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:16px;color:var(--ink);
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";font-size:1.4rem;color:var(--accent);font-weight:400;flex-shrink:0;}
.faq-item[open] summary::after{content:"\2212";}
.faq-item p{margin:0 0 22px;color:var(--ink-soft);padding-right:32px;}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:48px;}
.contact-details p{margin:0 0 8px;color:var(--ink-soft);}
.contact-details h3{margin:22px 0 8px;font-size:1rem;color:var(--ink);}
form.contact-form{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:30px;}
form.contact-form label{display:block;font-size:0.86rem;font-weight:600;margin:0 0 6px;color:var(--ink);}
form.contact-form input,form.contact-form textarea{
  width:100%;padding:11px 13px;margin-bottom:16px;border:1px solid var(--line);border-radius:6px;
  font-family:inherit;font-size:0.95rem;background:#fff;color:var(--ink);
}
form.contact-form textarea{resize:vertical;min-height:110px;}
form.contact-form button{width:100%;}
.form-honeypot{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden;}
.form-status{margin-top:14px;font-size:0.9rem;padding:10px 14px;border-radius:6px;display:none;}
.form-status.visible{display:block;}
.form-status.success{background:#E9F3EA;color:#2E5B34;border:1px solid #BFDDC4;}
.form-status.error{background:#FBEAEA;color:#8A2E2E;border:1px solid #EFC6C6;}

/* Footer */
footer{background:var(--ink);color:#D8CFC0;padding:56px 0 26px;}
.footer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-bottom:36px;}
.footer-grid h4{color:#fff;font-size:0.95rem;margin:0 0 14px;letter-spacing:0.5px;}
.footer-grid ul{list-style:none;margin:0;padding:0;}
.footer-grid li{margin-bottom:8px;font-size:0.9rem;}
.footer-grid a{color:#D8CFC0;text-decoration:none;}
.footer-grid a:hover{color:var(--gold);}
.recaptcha-note{text-align:center;font-size:0.78rem;color:#8894A0;margin:0 0 18px;}
.recaptcha-note a{color:var(--gold);text-decoration:none;}
.recaptcha-note a:hover{text-decoration:underline;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.12);padding-top:20px;font-size:0.82rem;color:#9FA9AE;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}

.logo-lockup.on-dark .logo-mark{background:var(--gold);box-shadow:0 0 0 1px rgba(255,255,255,0.15);}
.logo-lockup.on-dark .logo-mark svg{color:var(--ink);}
.logo-lockup.on-dark .logo-text .l-top{color:#E7DFCE;}
.logo-lockup.on-dark .logo-text .l-bottom{color:var(--gold);}
.logo-lockup.on-dark .logo-text .l-mid{color:#fff;}

@media (max-width:860px){
  .hero h1{font-size:3.1rem;}
  .two-col{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .header-cta .btn{padding:11px 16px;font-size:0.88rem;}
}