:root{--navy:#1f2d45;--navy2:#1b2740;--ink:#1c1f26;--muted:#47505e;--gold:#b8892a;--gold2:#e8be62;--goldtext:#7a5a12;--cream:#faf6ee;--cream2:#f3ecdd;--line:#e3d9c4;--white:#fff;
--font:"Atkinson Hyperlegible",Verdana,Arial,sans-serif;--serif:"Cormorant Garamond",Georgia,serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:110px}
body{margin:0;font-family:var(--font);font-size:20px;line-height:1.7;color:var(--ink);background:#fff}
img,svg{max-width:100%}img{height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px;text-decoration-thickness:2px}a:hover{color:var(--goldtext)}
:focus-visible{outline:4px solid var(--gold2);outline-offset:3px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px 14px;z-index:99;border:2px solid var(--navy)}
h1,h2,h3{color:var(--navy2);line-height:1.2;margin:1.2em 0 .5em}
h1{font-family:var(--serif);font-weight:700;font-size:clamp(2.6rem,6vw,4.1rem);letter-spacing:-.01em;margin-top:0;line-height:1.08}
h2{font-family:var(--serif);font-weight:700;font-size:clamp(2rem,3.8vw,2.75rem);line-height:1.12}
h3{font-size:1.3rem}
p{margin:0 0 1.05em}p,li{max-width:68ch}ul,ol{padding-left:1.3em}li{margin:.4em 0}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}.narrow{max-width:860px}.center{text-align:center}.center p,.narrowp{margin-left:auto;margin-right:auto}
.small{font-size:.9rem;color:var(--muted)}
.kicker{font-size:.85rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--goldtext);margin:0 0 .6em}
.lead{font-size:1.2rem;color:#2c3443}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hwrap{display:flex;align-items:center;justify-content:space-between;gap:16px;max-width:1280px;margin:0 auto;padding:10px 24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy2)}.brand img{width:58px;height:58px}
.brand .t1{display:block;font-family:var(--serif);font-weight:700;font-size:1.7rem;line-height:1}.brand .t2{display:block;font-size:.8rem;color:var(--goldtext);font-weight:700;letter-spacing:.04em;margin-top:4px}
.hact{display:flex;align-items:center;gap:10px}
.hcall{display:inline-flex;align-items:center;gap:8px;background:var(--navy2);color:#fff;text-decoration:none;font-weight:700;padding:12px 18px;border-radius:10px;font-size:1.05rem;white-space:nowrap}
.hcall .i{flex:0 0 20px}.hword{display:none}.hcall:hover{background:#2b3c5e;color:#fff}.hcall .i{width:20px;height:20px}
.menubtn{display:none;font:inherit;font-weight:700;font-size:1rem;background:#fff;border:2px solid var(--navy2);color:var(--navy2);border-radius:10px;padding:10px 14px;cursor:pointer}
nav.main{border-top:1px solid #efe8d8;background:#fff}
nav.main ul{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:2px 6px;margin:0 auto;padding:4px 16px;max-width:1280px}
nav.main li{margin:0}nav.main a{display:block;padding:9px 12px;text-decoration:none;font-weight:700;font-size:1rem;color:var(--navy2);border-bottom:3px solid transparent}
nav.main a:hover{color:var(--goldtext)}nav.main a[aria-current]{border-bottom-color:var(--gold)}
/* buttons */
.btns{display:flex;flex-wrap:wrap;gap:14px;margin:26px 0}.btns.col{flex-direction:column;align-items:stretch;margin:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:58px;padding:14px 26px;border-radius:12px;font-weight:700;font-size:1.08rem;text-decoration:none;border:2px solid transparent;text-align:center;line-height:1.25;cursor:pointer;font-family:inherit}
.btn .i{width:22px;height:22px}
.btn.gold,.btn.primary{background:var(--gold2);color:var(--navy2);border-color:#d9a945;box-shadow:0 8px 20px -12px rgba(122,90,18,.8)}.btn.gold:hover,.btn.primary:hover{background:#f0cb77;color:var(--navy2)}
.btn.outline,.btn.ghost{background:#fff;color:var(--navy2);border-color:var(--navy2)}.btn.outline:hover,.btn.ghost:hover{background:var(--cream)}
.btn.outline-light{color:#fff;border-color:#fff;background:transparent}.btn.outline-light:hover{background:rgba(255,255,255,.1);color:#fff}
.btn.sm{min-height:50px;padding:10px 20px;font-size:1rem}.btn.full{width:100%}
/* sections */
section{padding:64px 0}section.alt,.sec.alt{background:var(--cream)}
.hero{background:linear-gradient(180deg,#fbf7ef 0%,#f4ecdb 100%);padding:64px 0 60px;border-bottom:1px solid var(--line)}
.small-hero{padding:54px 0 44px}
.herogrid{display:grid;grid-template-columns:1.3fr .7fr;gap:48px;align-items:center}
.heroart{display:flex;justify-content:center}.binder{width:100%;max-width:440px;height:auto}
.trust{list-style:none;padding:0;margin:8px 0 0;display:flex;flex-wrap:wrap;gap:10px}
.trust li{margin:0;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 16px;font-weight:700;font-size:.95rem;color:var(--navy2)}
.trust li::before{content:"\2605";color:var(--gold);margin-right:8px}
.herocall{margin-top:20px;font-size:1.02rem;color:var(--muted)}
/* compare */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:30px}
.ccol{border-radius:16px;padding:30px 30px 20px}.ccol h3{margin-top:0;font-size:1.4rem}
.ccol ul{list-style:none;padding:0;margin:0}.ccol li{display:flex;gap:12px;padding:14px 0;border-top:1px solid rgba(0,0,0,.08);margin:0;max-width:none}
.without{background:#fff;border:1px solid var(--line)}.without h3{color:#4a5160}.without li{color:#3e4552}.without li::before{content:"";flex:0 0 10px;height:10px;margin-top:.62em;border-radius:50%;background:#b9b2a3}
.with{background:var(--navy2);color:#fff;box-shadow:0 20px 40px -24px rgba(27,39,64,.7)}.with h3{color:var(--gold2)}.with li{border-top-color:rgba(255,255,255,.14)}.with .i{flex:0 0 24px;width:24px;height:24px;color:var(--gold2);margin-top:.15em}
/* organize cards */
.ogrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:34px 0}
.ocard{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:24px 22px;box-shadow:0 12px 28px -22px rgba(31,45,69,.45)}
.ocard h3{margin:.55em 0 .35em;font-size:1.22rem}.ocard p{font-size:1rem}
.ohead{display:flex;justify-content:space-between;align-items:center}
.oico{display:inline-flex;width:52px;height:52px;border-radius:12px;background:var(--cream2);color:var(--navy2);align-items:center;justify-content:center}.oico .i{width:30px;height:30px}
.badge{font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--navy2);color:var(--gold2);padding:4px 10px;border-radius:999px}
.ticks{list-style:none;padding:0;margin:.6em 0 0;font-size:.98rem}.ticks li{padding-left:26px;position:relative;margin:.35em 0}
.ticks li::before{content:"";position:absolute;left:2px;top:.55em;width:12px;height:7px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.cnote{margin-top:.8em;font-size:.95rem;color:var(--goldtext);font-weight:700}
.goldbox{border:2px solid var(--gold);border-left-width:8px;background:#fffaf0;border-radius:12px;padding:22px 26px;margin:10px auto 0;max-width:960px}.goldbox p{margin:0;max-width:none;font-size:1.08rem;color:var(--navy2)}
/* binder */
.binder-sec{background:linear-gradient(180deg,#fff, var(--cream))}
.fbgrid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.tabs{columns:2;column-gap:28px;padding-left:1.2em;margin:.4em 0 1em}.tabs li{break-inside:avoid;font-weight:700;color:var(--navy2)}.tabs li::marker{color:var(--gold);font-weight:700}
/* steps */
.steps{padding:0;list-style:none;counter-reset:s}.steps li{counter-increment:s;position:relative;padding:4px 0 14px 66px;margin:0 0 10px;max-width:none}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:46px;height:46px;border-radius:50%;background:var(--navy2);color:var(--gold2);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:1.15rem}
.steps.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:30px 0}
.steps.grid4 li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:76px 22px 22px;font-size:1rem}.steps.grid4 li::before{left:22px;top:20px}
.steps.grid4 strong{display:block;font-size:1.1rem;color:var(--navy2);margin-bottom:.3em}
/* panels */
.twocol{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:16px;padding:32px}.panel h2{margin-top:0;font-size:clamp(1.7rem,3vw,2.2rem)}
.privacy{display:flex;gap:20px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px}.privacy h2{margin-top:0;font-size:1.8rem}
.note{background:#fffaf0;border-left:6px solid var(--gold);border-radius:8px;padding:18px 22px;margin:24px 0}.note p{margin:0}
/* prices (live markup) */
.plans{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));margin:28px 0}.plans.one{max-width:540px}
.plan{background:#fff;border:1px solid var(--line);border-radius:14px;padding:30px 28px;box-shadow:0 12px 30px -22px rgba(31,45,69,.45);border-top:5px solid var(--gold)}
.plan.feat{border:2px solid var(--gold);border-top-width:6px}.plan h3{margin-top:0}
.pamt{font-family:var(--serif);font-weight:700;font-size:2.8rem;line-height:1.05;color:var(--navy2);margin:0 0 .3em}
.pamt span{display:block;font-family:var(--font);font-size:.9rem;font-weight:700;color:var(--goldtext);margin-top:.3em}
.couple{font-weight:700;color:var(--navy2)}
.plist{list-style:none;padding:0;margin:20px 0}.prow{display:flex;justify-content:space-between;gap:20px;padding:18px 0;border-bottom:1px solid var(--line);margin:0;max-width:none}
.pname span{display:block;color:var(--muted);font-size:.95rem}.pprice{font-weight:700;font-size:1.3rem;color:var(--navy2);text-align:right;white-space:nowrap}.punit{display:block;font-size:.85rem;color:var(--goldtext)}
.fitline{font-size:1.2rem;font-weight:700;color:var(--navy2);margin-top:10px}
/* questions */
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:12px 0;padding:0 22px}
summary{cursor:pointer;font-weight:700;font-size:1.12rem;padding:18px 0;color:var(--navy2);list-style-position:outside}details[open] summary{border-bottom:1px solid var(--line);margin-bottom:12px}
details p{padding-bottom:6px}
.starters li{font-family:var(--serif);font-size:1.45rem;font-weight:600;color:var(--navy2);margin:.5em 0;line-height:1.35}
/* form */
.formpanel{border-top:6px solid var(--gold)}
label{display:block;font-weight:700;margin:16px 0 6px;color:var(--navy2)}
input:not([type=radio]),select{width:100%;font:inherit;font-size:1.1rem;padding:14px 14px;border:2px solid #8a8f99;border-radius:10px;background:#fff;color:var(--ink);min-height:56px}
input:focus,select:focus{border-color:var(--navy2)}
fieldset{border:0;padding:0;margin:18px 0 6px}legend{font-weight:700;color:var(--navy2);margin-bottom:6px}
label.radio{display:flex;align-items:center;gap:12px;font-weight:400;margin:8px 0;padding:10px 14px;border:2px solid var(--line);border-radius:10px;cursor:pointer}
label.radio input{width:24px;height:24px;accent-color:var(--navy2)}
.warnline{background:#fff4e0;border:2px solid #d9a945;border-radius:10px;padding:12px 16px;color:var(--navy2)}
.err{color:#9b1c1c;font-weight:700}.okbox{background:#eef6ee;border:2px solid #3f7d3f;border-radius:10px;padding:14px 16px;margin-top:14px}
form .btn.full{margin-top:20px}
/* cta + footer */
.cta{background:var(--navy2);color:#fff;padding:60px 0}.cta h2{color:#fff;margin-top:0}.cta .small{color:#c9d3e0}
.ctagrid{display:grid;grid-template-columns:1.4fr .8fr;gap:40px;align-items:center}
footer{background:#121b2d;color:#d5dce8;padding:56px 0 30px;font-size:1rem}footer a{color:#fff}footer h2{color:var(--gold2);font-family:var(--font);font-size:1rem;letter-spacing:.1em;text-transform:uppercase;margin:0 0 12px}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:32px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:.45em 0}
.fbrand{font-family:var(--serif);font-weight:700;font-size:1.8rem;color:#fff;margin:0 0 .4em}
.legal{border-top:1px solid #2a3753;margin-top:30px;padding-top:20px;font-size:.88rem;color:#aab4c5;max-width:none}.legal+.legal{border:0;margin-top:0;padding-top:0}
@media (max-width:1100px){.ogrid{grid-template-columns:repeat(2,1fr)}.steps.grid4{grid-template-columns:repeat(2,1fr)}.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:900px){.herogrid,.fbgrid,.twocol,.compare,.ctagrid{grid-template-columns:1fr}.heroart{order:-1}.heroart .binder{max-width:300px}
 .menubtn{display:inline-block}nav.main{display:none}.site-header.open nav.main{display:block}nav.main ul{flex-direction:column;align-items:stretch;padding:6px 16px 14px}nav.main a{padding:13px 8px;border-bottom:1px solid #efe8d8;font-size:1.1rem}}
@media (max-width:600px){body{font-size:19px}section{padding:48px 0}.wrap{padding:0 20px}.hero{padding:36px 0 44px}
 .hwrap{padding:10px 14px;gap:8px}.brand{gap:8px}.brand img{width:40px;height:40px}.brand .t1{font-size:1.25rem}.brand .t2{font-size:.68rem}.menubtn{padding:10px 12px}.hact{gap:6px}.hnum{display:none}.hword{display:inline}.hcall{padding:12px 14px}.brand .t1{white-space:nowrap}.brand .t2{white-space:nowrap}
 .btns .btn{width:100%}.ogrid,.steps.grid4{grid-template-columns:1fr}.tabs{columns:1}.fgrid{grid-template-columns:1fr}.ccol,.panel{padding:22px}.privacy{flex-direction:column}
 .heroart{display:none}.prow{flex-direction:column;gap:4px}.pprice{text-align:left}h1{font-size:2.45rem}}
.kicker.center,p.center,.lead.center{text-align:center;margin-left:auto;margin-right:auto}
@media (max-width:430px){.brand .t2{display:none}}