:root{
  --ink:#0d141d;
  --ink-2:#18222e;
  --steel:#526170;
  --steel-2:#6c7a88;
  --paper:#f7f8f8;
  --white:#ffffff;
  --line:#dce2e7;
  --amber:#bd8323;
  --amber-2:#d39a36;
  --amber-soft:#f5ead8;
  --green:#2f6b57;
  --shadow:0 18px 50px rgba(13,20,29,.10);
  --radius:12px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--white);font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:inherit}
button,input,textarea,select{font:inherit}
button{cursor:pointer}
:focus-visible{outline:3px solid rgba(189,131,35,.45);outline-offset:3px}
.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:10px;background:var(--ink);color:#fff;padding:10px 14px;z-index:9999}
.skip-link:focus{left:10px}
.topbar{background:var(--ink);color:#e8edf1;font-size:.82rem}
.topbar-inner{min-height:34px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.topbar a{text-decoration:none;color:#fff}
.topbar strong{color:#fff}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;gap:11px;text-decoration:none;min-width:0}
.brand-mark{width:42px;height:42px;flex:none}
.brand-name{display:block;font-size:1.03rem;font-weight:800;letter-spacing:.02em;line-height:1.1}
.brand-tag{display:block;margin-top:3px;color:var(--steel);font-size:.66rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase}
.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;padding:9px 11px;color:var(--ink)}
.nav-toggle svg{width:23px;height:23px;display:block}
.main-nav{display:flex;align-items:center}
.nav-list{list-style:none;display:flex;align-items:center;gap:5px;margin:0;padding:0}
.nav-item{position:relative}
.nav-link,.nav-trigger{border:0;background:transparent;text-decoration:none;color:var(--ink);font-weight:700;padding:12px 13px;border-radius:8px;white-space:nowrap}
.nav-link:hover,.nav-trigger:hover,.nav-link[aria-current="page"]{background:#f2f4f5}
.nav-trigger{display:inline-flex;align-items:center;gap:7px}
.nav-trigger .chevron{width:12px;height:12px;transition:transform .18s ease}
.nav-item.open .nav-trigger .chevron{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 9px);left:0;min-width:285px;padding:8px;background:var(--ink);border:1px solid #2d3946;border-radius:12px;box-shadow:0 20px 45px rgba(13,20,29,.20);opacity:0;visibility:hidden;transform:translateY(-5px);transition:opacity .16s ease,transform .16s ease,visibility .16s ease}
.nav-item.open>.dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:block;text-decoration:none;color:#f4f6f7;padding:11px 13px;border-radius:8px;font-weight:650}
.dropdown a:hover,.dropdown a:focus-visible{background:var(--ink-2);color:#fff}
.dropdown .menu-kicker{padding:8px 13px 5px;color:#9eabb7;font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.12em}
.header-cta{display:inline-flex;align-items:center;gap:8px;text-decoration:none;background:var(--amber);color:var(--ink);font-weight:850;padding:11px 16px;border-radius:9px;white-space:nowrap}
.header-cta:hover{background:var(--amber-2)}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#f5f7f8 0%,#fff 62%);border-bottom:1px solid var(--line)}
.hero::after{content:"";position:absolute;inset:auto -10% -42px -10%;height:76px;background:repeating-linear-gradient(135deg,transparent 0 24px,rgba(189,131,35,.15) 24px 44px,transparent 44px 68px);pointer-events:none}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.35fr .65fr;gap:50px;align-items:center;padding:76px 0 88px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--amber);font-size:.76rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--amber)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.12;letter-spacing:-.025em;margin:0 0 16px}
h1{font-size:clamp(2.6rem,5vw,4.65rem)}
h2{font-size:clamp(2rem,3vw,3rem)}
h3{font-size:1.32rem}
.lead{font-size:1.18rem;color:#44515e;max-width:68ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:27px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;border-radius:9px;padding:13px 19px;font-weight:850;border:2px solid transparent}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:#253342}
.btn-secondary{border-color:var(--ink);color:var(--ink);background:#fff}
.btn-secondary:hover{background:#f1f3f4}
.btn-amber{background:var(--amber);color:var(--ink)}
.hero-card{background:var(--ink);color:#fff;border-radius:18px;padding:27px;box-shadow:var(--shadow)}
.hero-card .mini-label{color:#aeb8c1;text-transform:uppercase;letter-spacing:.12em;font-size:.68rem;font-weight:800}
.hero-card h2{font-family:system-ui,sans-serif;font-size:1.45rem;letter-spacing:-.01em;margin:7px 0 17px}
.hero-card ul{list-style:none;padding:0;margin:0}
.hero-card li{display:flex;gap:10px;padding:10px 0;border-top:1px solid #2b3744}
.hero-card li::before{content:"✓";color:var(--amber-2);font-weight:900}
.section{padding:76px 0}
.section-tight{padding:52px 0}
.section-muted{background:var(--paper);border-block:1px solid var(--line)}
.section-head{max-width:760px;margin-bottom:35px}
.section-head p{color:var(--steel);font-size:1.05rem}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 8px 28px rgba(13,20,29,.04)}
.card h3{margin-bottom:9px}
.card p{margin:0;color:#556370}
.card a{font-weight:800;text-decoration-thickness:1px;text-underline-offset:3px}
.icon-box{width:45px;height:45px;display:grid;place-items:center;background:var(--amber-soft);border-radius:10px;margin-bottom:16px;color:var(--ink)}
.icon-box svg{width:24px;height:24px}
.process{counter-reset:step}
.process-card{position:relative;padding-top:64px}
.process-card::before{counter-increment:step;content:"0" counter(step);position:absolute;top:24px;left:25px;color:var(--amber);font-weight:900;font-size:.82rem;letter-spacing:.12em}
.check-list{list-style:none;padding:0;margin:0}
.check-list li{display:flex;gap:11px;padding:9px 0;color:#44515e}
.check-list li::before{content:"✓";color:var(--green);font-weight:900}
.band{background:var(--ink);color:#fff;padding:48px 0}
.band-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}
.band h2{font-family:system-ui,sans-serif;font-size:1.8rem;letter-spacing:-.02em;margin:0 0 7px}
.band p{color:#b9c2ca;margin:0}
.callout{border-left:4px solid var(--amber);background:#faf6ef;padding:22px 24px;border-radius:0 10px 10px 0}
.callout strong{display:block;margin-bottom:5px}
.breadcrumbs{font-size:.82rem;color:var(--steel);padding:16px 0}
.breadcrumbs a{text-decoration:none}
.breadcrumbs span{padding:0 7px;color:#a4afb8}
.page-hero{background:var(--paper);border-bottom:1px solid var(--line)}
.page-hero-inner{padding:52px 0 56px;max-width:850px}
.page-hero h1{font-size:clamp(2.35rem,4vw,4rem)}
.page-hero p{font-size:1.1rem;color:var(--steel);max-width:70ch}
.prose{max-width:820px}
.prose p,.prose li{color:#465461}
.prose h2{margin-top:42px}
.prose h3{margin-top:28px}
.prose ul,.prose ol{padding-left:22px}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:12px}
table{width:100%;border-collapse:collapse;min-width:650px}
th,td{text-align:left;padding:13px 15px;border-bottom:1px solid var(--line)}
th{background:var(--paper);font-size:.82rem;text-transform:uppercase;letter-spacing:.07em}
tr:last-child td{border-bottom:0}
.area-nav{display:flex;flex-wrap:wrap;gap:8px;margin:20px 0 30px}
.area-nav a{padding:8px 11px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:750;background:#fff}
.area-nav a:hover{border-color:var(--amber);background:var(--amber-soft)}
.neighborhood{scroll-margin-top:105px}
.faq-list{display:grid;gap:12px}
.faq-item{border:1px solid var(--line);border-radius:11px;background:#fff;overflow:hidden}
.faq-item summary{cursor:pointer;padding:18px 20px;font-weight:800;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";float:right;color:var(--amber);font-size:1.3rem}
.faq-item[open] summary::after{content:"−"}
.faq-answer{padding:0 20px 20px;color:#52606d}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{display:grid;gap:7px}
.field.full{grid-column:1/-1}
label{font-weight:750;font-size:.9rem}
input,textarea,select{width:100%;border:1px solid #cbd3da;border-radius:9px;padding:12px 13px;background:#fff;color:var(--ink)}
textarea{min-height:150px;resize:vertical}
.form-note{font-size:.8rem;color:var(--steel-2)}
.site-footer{background:#0a1017;color:#dbe1e5;padding:52px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:35px}
.site-footer h2{font-family:system-ui,sans-serif;font-size:1rem;letter-spacing:.01em}
.site-footer p,.site-footer li{color:#9da9b3;font-size:.9rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:8px 0}
.site-footer a{text-decoration:none}
.site-footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid #222d38;margin-top:32px;padding-top:20px;font-size:.78rem;color:#7f8b96;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.mobile-cta{display:none}
.notice{padding:13px 16px;background:#fff8e8;border:1px solid #ead4a6;border-radius:9px;color:#5d491e;font-size:.88rem}
.article-meta{color:var(--steel-2);font-size:.84rem}
.related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.not-found{text-align:center;padding:110px 0}
.small{font-size:.9rem;color:var(--steel)}
@media (max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:30px}
  .hero-card{max-width:620px}
  .grid-3,.related{grid-template-columns:repeat(2,minmax(0,1fr))}
  .header-cta{display:none}
}
@media (max-width:1100px){
  body{padding-bottom:68px}
  .container{width:min(var(--max),calc(100% - 28px))}
  .topbar-inner{justify-content:center}
  .topbar .hide-mobile{display:none}
  .header-inner{min-height:68px}
  .nav-toggle{display:block}
  .main-nav{position:fixed;inset:68px 0 0 0;background:var(--ink);padding:18px 18px 30px;display:block;transform:translateX(100%);transition:transform .22s ease;overflow-y:auto}
  .main-nav.open{transform:none}
  .nav-list{display:block}
  .nav-item{border-bottom:1px solid #27323d}
  .nav-link,.nav-trigger{color:#fff;width:100%;text-align:left;display:flex;justify-content:space-between;padding:15px 5px}
  .nav-link:hover,.nav-trigger:hover,.nav-link[aria-current="page"]{background:transparent;color:#fff}
  .dropdown{position:static;min-width:0;padding:0 0 9px;background:transparent;border:0;box-shadow:none;display:none;opacity:1;visibility:visible;transform:none}
  .nav-item.open>.dropdown{display:block}
  .dropdown a{padding:11px 8px 11px 20px}
  .dropdown .menu-kicker{padding-left:20px}
  .hero-inner{padding:55px 0 70px}
  .section{padding:60px 0}
  .grid-2,.grid-3,.related,.footer-grid{grid-template-columns:1fr}
  .band-inner{display:block}
  .band .btn{margin-top:18px}
  .form-grid{grid-template-columns:1fr}
  .field.full{grid-column:auto}
  .mobile-cta{position:fixed;z-index:1100;bottom:0;left:0;right:0;display:grid;grid-template-columns:1fr 1fr;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 25px rgba(13,20,29,.10)}
  .mobile-cta a{display:flex;align-items:center;justify-content:center;min-height:68px;text-decoration:none;font-weight:900}
  .mobile-cta a:first-child{background:var(--amber);color:var(--ink)}
  .mobile-cta a:last-child{background:var(--ink);color:#fff}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition:none!important}
}

@media (max-width:1100px){.header-cta{display:none}.main-nav{visibility:hidden}.main-nav.open{visibility:visible}}
.card .btn-primary{color:#fff}.card p+p{margin-top:12px}