:root{
  --black:#0A0A0A;
  --ink:#141312;
  --panel:#171614;
  --gold:#CBA365;
  --gold-deep:#8A6A2E;
  --ivory:#F6F2EA;
  --cream:#EDE6D9;
  --text:#1C1B19;
  --muted:#5E5A53;
  --line:#E2DACB;
  --white:#FFFFFF;
  --radius:14px;
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Public Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--text);background:var(--ivory);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--gold-deep)}
a:hover{color:var(--text)}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.1;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5.2vw,4rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}
h3{font-size:1.3rem}
p{margin:0 0 1em}
.wrap{width:min(1160px,100% - 40px);margin-inline:auto}
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:.78rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-deep)}
.eyebrow::before{content:"";width:32px;height:2px;background:currentColor}
.dark .eyebrow{color:var(--gold)}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:8px 12px}

/* Header */
.topbar{background:var(--black);color:#D9D3C7;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:flex-end;gap:22px;padding:8px 0;flex-wrap:wrap}
.topbar a{color:#F6F2EA;text-decoration:none;font-weight:600}
.topbar a:hover{color:var(--gold)}
.topbar span{color:var(--gold);font-weight:600;margin-right:6px}
header.site{background:var(--black);position:sticky;top:0;z-index:50;border-bottom:1px solid #26231F}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:12px 0}
.brand img{height:58px;width:auto}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:26px;align-items:center}
nav.main a{color:#EDE6D9;text-decoration:none;font-size:.92rem;font-weight:500}
nav.main a:hover,nav.main a[aria-current="page"]{color:var(--gold)}
.menu-toggle{display:none;background:none;border:1px solid #3A352E;color:#fff;border-radius:10px;width:46px;height:46px;cursor:pointer}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:0 26px;border-radius:12px;font-family:var(--sans);font-weight:600;font-size:1rem;text-decoration:none;border:0;cursor:pointer;transition:transform .15s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#111}
.btn-gold:hover{background:#D8B477;color:#111}
.btn-outline{background:transparent;color:#F6F2EA;border:1.5px solid #4A443B}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}
.btn-dark{background:var(--black);color:#F6F2EA}
.btn-dark:hover{background:#2A2723;color:#fff}

/* Hero */
.hero{background:var(--black);color:#F6F2EA;padding:72px 0 84px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero p.lead{font-size:1.2rem;color:#CFC8BB;max-width:560px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 0}
.trust{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 26px;margin-top:34px;padding:0;list-style:none;color:#E6E0D4;font-size:.98rem}
.trust li{display:flex;gap:10px;align-items:center}
.trust svg{flex:none;color:var(--gold)}
.areas{margin-top:26px;font-size:.9rem;color:#A9A194}

/* Form card */
.form-card{background:var(--ivory);color:var(--text);border-radius:18px;padding:32px;box-shadow:0 30px 60px rgba(0,0,0,.35)}
.form-card h2{font-size:1.7rem;margin-bottom:.2em}
.form-card .sub{color:var(--muted);font-size:.95rem;margin-bottom:20px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.field label{font-size:.88rem;font-weight:600}
.field input,.field select,.field textarea{font:inherit;font-size:1rem;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--text);width:100%}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold-deep);box-shadow:0 0 0 3px rgba(203,163,101,.25)}
.row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.form-card .btn{width:100%;margin-top:6px}
.consent{font-size:.78rem;color:var(--muted);margin:12px 0 0;line-height:1.5}
.promise{display:flex;gap:8px;align-items:center;justify-content:center;font-size:.85rem;color:var(--muted);margin-top:12px}
.hidden{display:none !important}
.step-tag{font-size:.75rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:6px}
.form-error{color:#9B2C1F;font-size:.9rem;margin-top:10px}

/* Sections */
section{padding:88px 0}
.section-head{max-width:720px;margin-bottom:44px}
.section-head p{color:var(--muted);font-size:1.08rem}
.cream{background:var(--cream)}
.dark{background:var(--black);color:#F6F2EA}
.dark .section-head p{color:#BDB5A7}
.compare{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.compare th,.compare td{padding:18px 22px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.compare th{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);background:#FAF7F1}
.compare th.us{color:#111;background:#F2E7D2}
.compare td.us{font-weight:600}
.compare tr:last-child td{border-bottom:0}
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;counter-reset:s}
.step{background:var(--panel);border:1px solid #2A2621;border-radius:var(--radius);padding:30px}
.step .num{font-family:var(--serif);font-size:2.6rem;color:var(--gold);line-height:1}
.step h3{margin:14px 0 8px;color:#fff}
.step p{color:#C9C2B5;margin:0}
.center{text-align:center}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;gap:10px}
.card h3{margin:0}
.card p{color:var(--muted);margin:0;flex-grow:1}
.card a{font-weight:600;text-decoration:none}
.faq{max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 22px;margin-bottom:12px}
.faq summary{cursor:pointer;list-style:none;padding:20px 0;font-weight:600;font-size:1.05rem;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--gold-deep);line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:20px;margin:0}
.cta-band{background:var(--black);color:#F6F2EA;padding:72px 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta-band h2{margin:0}
.cta-band p{color:#BDB5A7;margin:.4em 0 0}
.cta-band .ctas{display:flex;gap:12px;flex-wrap:wrap}
.values{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.prose{max-width:780px}
.prose h2{font-size:1.6rem;margin-top:1.6em}
.prose h3{margin-top:1.4em}
.prose ul{padding-left:1.2em}
.page-hero{background:var(--black);color:#F6F2EA;padding:64px 0}
.page-hero p{color:#CFC8BB;font-size:1.15rem;max-width:640px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.checklist{list-style:none;padding:0;margin:0 0 1em}
.checklist li{display:flex;gap:12px;margin-bottom:12px}
.checklist li::before{content:"";flex:none;width:10px;height:10px;border-radius:50%;background:var(--gold);margin-top:.55em}
.note{font-size:.85rem;color:var(--muted)}
.fee-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.fee-table td,.fee-table th{padding:16px 20px;border-bottom:1px solid var(--line);text-align:left}
.fee-table th{background:#FAF7F1;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}

/* Footer */
footer.site{background:var(--black);color:#BDB5A7;padding:64px 0 110px;font-size:.93rem}
footer.site .grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
footer.site img{height:64px;width:auto;margin-bottom:16px}
footer.site a{color:#EDE6D9;text-decoration:none}
footer.site a:hover{color:var(--gold)}
footer.site ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
footer.site h4{font-family:var(--sans);font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin:0 0 14px}
footer.site .legal{border-top:1px solid #26231F;margin-top:40px;padding-top:22px;font-size:.8rem;color:#8C857A}

/* Mobile call bar */
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--black);border-top:1px solid #2F2B26;padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:8px}
.callbar a{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:50px;border-radius:10px;text-decoration:none;font-weight:600;font-size:.88rem}
.callbar a small{font-weight:500;font-size:.7rem;opacity:.8}
.callbar .c1{background:var(--gold);color:#111}
.callbar .c2{background:#1F1D1A;color:#F6F2EA;border:1px solid #3A352E}

@media (max-width:960px){
  .hero .wrap,.split{grid-template-columns:1fr}
  .steps,.cards{grid-template-columns:1fr 1fr}
  footer.site .grid{grid-template-columns:1fr 1fr}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--black);border-bottom:1px solid #26231F}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px}
  nav.main li a{display:block;padding:14px 0;border-bottom:1px solid #1F1D1A}
  nav.main .btn{margin-top:14px;width:100%}
  .menu-toggle{display:inline-flex;align-items:center;justify-content:center}
  .callbar{display:flex}
}
@media (max-width:640px){
  body{font-size:16px}
  section{padding:64px 0}
  .hero{padding:48px 0 64px}
  .steps,.cards,.values,.trust,.row2{grid-template-columns:1fr}
  footer.site .grid{grid-template-columns:1fr}
  .form-card{padding:24px}
  .brand img{height:48px}
  .topbar .wrap{justify-content:center}
  .compare th,.compare td{padding:14px 14px;font-size:.92rem}
}

/* Contrast + mobile refinements */
.hero .eyebrow,.page-hero .eyebrow,.cta-band .eyebrow{color:var(--gold)}
.step p{color:#C9C2B5}
@media (max-width:640px){
  .topbar a[href^="mailto"]{display:none}
  .hero .ctas .btn-outline{display:none}
  .hero .ctas .btn-gold{width:100%}
}

/* Real-person support */
.topbar .human{margin-right:auto;font-style:normal;color:var(--gold);font-weight:600}
.human-line{margin:16px 0 0;color:var(--gold);font-weight:600;font-size:.98rem}
.support{background:var(--ivory);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.support-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.support p{color:var(--muted);font-size:1.08rem}
.support-lines{display:grid;gap:12px}
.support-line{display:flex;justify-content:space-between;align-items:center;gap:16px;background:var(--black);color:#F6F2EA;border-radius:12px;padding:18px 22px;text-decoration:none;min-height:60px}
.support-line span{color:var(--gold);font-size:.8rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase}
.support-line strong{font-size:1.05rem}
.support-line:hover{color:var(--gold)}
@media (max-width:960px){.support-grid{grid-template-columns:1fr}.topbar .human{margin-right:0;width:100%;text-align:center}}
@media (max-width:640px){.support-line{flex-direction:column;align-items:flex-start;gap:4px}.support-line strong{font-size:.98rem;word-break:break-all}}
nav.main a.btn,nav.main a.btn:hover{color:#111}

/* Why choose us + leadership */
.why-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 28px}
.why-grid li{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;font-weight:600}
.why-grid span{font-family:var(--serif);color:var(--gold-deep);font-size:1.3rem;min-width:34px}
.leader{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:center}
.leader img{width:100%;height:auto;border-radius:18px;border:1px solid #2A2621}
.leader p{color:#CFC8BB}
.leader-title{color:var(--gold) !important;font-weight:600;letter-spacing:.16em;text-transform:uppercase;font-size:.85rem;margin-top:-.4em}
.leader-quote{font-family:var(--serif);font-size:1.35rem;color:#F6F2EA !important;border-left:2px solid var(--gold);padding-left:18px;margin-top:1.4em}
@media (max-width:960px){.leader{grid-template-columns:1fr}.leader img{max-width:380px}}
@media (max-width:640px){.why-grid{grid-template-columns:1fr}}

/* Track record */
.stats{background:#111010;color:#F6F2EA;padding:44px 0;border-top:1px solid #26231F;border-bottom:1px solid #26231F}
.stats-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;text-align:center}
.stats strong{display:block;font-family:var(--serif);font-weight:500;font-size:clamp(2rem,4vw,2.8rem);color:var(--gold);line-height:1.1}
.stats span{display:block;color:#BDB5A7;font-size:.95rem;margin-top:6px}
@media (max-width:640px){.stats-grid{grid-template-columns:1fr;gap:28px}}

/* Investor portal */
.consent-check{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;color:var(--muted);line-height:1.5;margin:4px 0 12px;cursor:pointer}
.consent-check input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--black)}
.portal-steps{padding-left:1.2em}
.portal-steps li{margin-bottom:10px}
/* Smaller leadership photo */
.leader{grid-template-columns:300px 1fr;gap:48px}
.leader img{max-width:300px}
@media (max-width:960px){.leader{grid-template-columns:1fr}.leader img{max-width:240px}}
.human-line a{color:#F6F2EA;text-decoration:underline;text-underline-offset:3px}
.human-line a:hover{color:var(--gold)}