:root{--navy:#071f46;--royal:#0047AB;--emerald:#0F6B5B;--gold:#C8A34D;--warm:#FAF9F7;--soft:#F2F5F8;--ink:#2E3238;--muted:#667085;--line:#D8DDE3;--white:#fff;--shadow:0 24px 70px rgba(7,31,70,.13);--shadow-sm:0 12px 36px rgba(7,31,70,.09);--radius:26px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--warm);color:var(--ink);font-family:Inter,Arial,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}img{display:block;max-width:100%}a{text-decoration:none;color:inherit}button,input,select,textarea{font:inherit}h1,h2,h3,h4{font-family:"Playfair Display",Georgia,serif;color:var(--navy);line-height:1.09;margin:0}h1{font-size:clamp(2.65rem,5.2vw,5rem);letter-spacing:-.04em}h2{font-size:clamp(2rem,3.1vw,3.2rem);letter-spacing:-.03em}h3{font-size:1.45rem}p{margin:0 0 1rem}.container{width:min(1200px,calc(100% - 44px));margin-inline:auto}.icon{width:20px;height:20px;flex:0 0 20px}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px 14px;z-index:9999}.topbar{background:linear-gradient(90deg,#061937,#0b326b);color:#fff;font-size:.82rem}.topbar-inner{min-height:40px;display:flex;align-items:center;justify-content:space-between;gap:20px}.topbar-links{display:flex;align-items:center;gap:20px}.topbar a{display:inline-flex;align-items:center;gap:7px;color:#fff}.topbar .icon{width:15px;height:15px}.header{position:sticky;top:0;z-index:90;background:rgba(250,249,247,.95);backdrop-filter:blur(18px);border-bottom:1px solid rgba(7,31,70,.08);box-shadow:0 7px 30px rgba(7,31,70,.04)}.header::after{content:"";display:block;height:2px;background:linear-gradient(90deg,var(--royal),var(--emerald),var(--gold))}.nav{height:92px;display:flex;align-items:center;justify-content:space-between;gap:28px}.logo{display:inline-flex;align-items:center}.logo img{height:66px;width:auto}.nav-links{display:flex;align-items:center;gap:28px;font-weight:700;font-size:.92rem}.nav-links>a,.nav-trigger{position:relative;padding:34px 0;color:#172842}.nav-links>a:not(.button)::after,.nav-trigger::after{content:"";position:absolute;left:50%;right:50%;bottom:23px;height:2px;background:var(--gold);transition:.25s}.nav-links>a.active::after,.nav-links>a:hover::after,.nav-dropdown.active>.nav-trigger::after,.nav-dropdown:hover>.nav-trigger::after{left:0;right:0}.nav-dropdown{position:relative}.nav-trigger{display:inline-flex;align-items:center;gap:6px}.nav-trigger svg{width:13px;height:13px}.dropdown-menu{position:absolute;left:50%;top:72px;transform:translate(-50%,10px);width:315px;background:#fff;border:1px solid rgba(7,31,70,.08);border-radius:20px;padding:10px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.22s}.nav-dropdown:hover .dropdown-menu,.nav-dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:translate(-50%,0)}.dropdown-menu a{display:flex;gap:12px;align-items:flex-start;padding:12px;border-radius:14px;color:var(--navy)}.dropdown-menu a:hover,.dropdown-menu a.active{background:#eef4fb;color:var(--royal)}.dropdown-menu .icon{margin-top:2px}.dropdown-menu strong{display:block;font-family:"Playfair Display",Georgia,serif;font-size:1rem}.dropdown-menu span{display:block;color:var(--muted);font-weight:500;font-size:.76rem;line-height:1.4;margin-top:2px}.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:14px 23px;border-radius:999px;font-weight:800;border:1px solid transparent;transition:.25s ease;line-height:1.1;text-align:center}.button:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(7,31,70,.16)}.button-primary{background:var(--royal);color:#fff;box-shadow:0 12px 28px rgba(0,71,171,.22)}.button-gold{background:linear-gradient(135deg,#d7b65f,#c19736);color:#142039;box-shadow:0 12px 28px rgba(200,163,77,.25)}.button-outline{background:#fff;color:var(--royal);border-color:rgba(0,71,171,.23)}.button-light{background:#fff;color:var(--navy)}.button-emerald{background:var(--emerald);color:#fff}.button-sm{min-height:44px;padding:11px 17px;font-size:.86rem}.nav-cta{min-height:50px!important;box-shadow:0 12px 30px rgba(200,163,77,.32)!important}.menu-button{display:none;background:transparent;border:0;padding:8px;cursor:pointer}.menu-button span{display:block;width:28px;height:2px;background:var(--navy);margin:6px 0;border-radius:4px}.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line);padding:8px 22px 22px}.mobile-menu.open{display:grid}.mobile-menu>a{padding:12px 0;font-weight:700}.mobile-services summary{padding:12px 0;font-weight:700;cursor:pointer;color:var(--navy)}.mobile-services div{display:grid;padding:0 0 8px 15px}.mobile-services a{padding:8px 0;color:var(--muted)}.kicker{display:inline-flex;align-items:center;gap:8px;color:var(--emerald);font-weight:800;font-size:.74rem;letter-spacing:.15em;text-transform:uppercase;margin-bottom:14px}.kicker::before{content:"";width:30px;height:2px;background:var(--gold)}.kicker-light{color:#f2dfaa}.page-hero{position:relative;min-height:390px;display:flex;align-items:center;overflow:hidden;background:#071f46}.page-hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.page-hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,14,31,.94),rgba(4,21,45,.58))}.page-hero-content{position:relative;z-index:2;color:#fff;padding:75px 0}.page-hero h1{color:#fff;max-width:900px}.page-hero p{max-width:720px;color:rgba(255,255,255,.87);font-size:1.07rem;margin-top:18px}.section{padding:92px 0}.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:34px;margin-bottom:38px}.section-head>div{max-width:800px}.section-head>p{max-width:470px;color:var(--muted);margin:0}.cta-panel{background:linear-gradient(130deg,#071f46,#0d477d);border-radius:30px;padding:45px;color:#fff;display:flex;justify-content:space-between;align-items:center;gap:28px;box-shadow:var(--shadow)}.cta-panel h2,.cta-panel p{color:#fff}.cta-panel p{color:rgba(255,255,255,.84);max-width:700px}.cta-actions{display:flex;gap:12px;flex-wrap:wrap;flex:0 0 auto}.footer{background:#07162f;color:#d6deeb;margin-top:80px;padding-top:54px}.footer-grid{display:grid;grid-template-columns:1.25fr .7fr .75fr 1fr;gap:30px}.footer p{color:#b8c4d7}.footer h3{color:#fff;font-size:1.12rem;margin-bottom:12px}.footer-links{display:grid;gap:9px}.footer a:hover{color:#fff}.footer-contact{display:grid;gap:9px}.footer-contact a{display:inline-flex;align-items:center;gap:8px}.reveal{opacity:0;transform:translateY(25px);transition:opacity .7s ease,transform .7s ease}.reveal.visible{opacity:1;transform:none}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}.reveal{opacity:1!important;transform:none!important;transition:none!important}}
@media(max-width:1040px){.nav-links>a:not(.button),.nav-dropdown{display:none}.menu-button{display:block}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.container{width:min(100% - 28px,1200px)}.topbar-inner>span{display:none}.topbar-links{width:100%;justify-content:space-between;gap:10px;font-size:.73rem}.nav{height:80px}.logo img{height:52px}.section{padding:70px 0}.section-head,.cta-panel,.footer-bottom{align-items:flex-start;flex-direction:column}.footer-grid,.form-grid{grid-template-columns:1fr}.page-hero{min-height:330px}.footer{margin-top:60px}}

/* Free consultation strip shown directly beneath each page hero */
.consultation-strip{position:relative;background:linear-gradient(100deg,transparent 0%,rgba(255,255,255,.16) 45%,transparent 55%),linear-gradient(100deg,#0f6b5b 0%,#0b7565 52%,#075a75 100%);background-size:300% 100%,100% 100%;background-position:200% 0,0 0;animation:strip-shimmer 5s ease-in-out infinite;color:#fff;overflow:hidden}
@keyframes strip-shimmer{0%{background-position:200% 0,0 0}50%{background-position:-50% 0,0 0}100%{background-position:-50% 0,0 0}}
@media(prefers-reduced-motion:reduce){.consultation-strip{animation:none}}
.consultation-strip::before{content:"";position:absolute;right:-90px;top:-150px;width:360px;height:360px;border:1px solid rgba(255,255,255,.14);border-radius:50%}
.consultation-strip::after{content:"";position:absolute;right:80px;bottom:-190px;width:310px;height:310px;border:1px solid rgba(200,163,77,.38);border-radius:50%}
.consultation-strip-inner{position:relative;z-index:1;min-height:150px;display:flex;align-items:center;justify-content:space-between;gap:36px;padding-top:26px;padding-bottom:26px}
.consultation-strip-copy{max-width:760px}
.consultation-strip-inner:has(> .consultation-strip-copy:only-child){justify-content:center;text-align:center}
.consultation-strip-inner:has(> .consultation-strip-copy:only-child) .consultation-strip-copy{margin:0 auto}
.consultation-label{display:inline-flex;align-items:center;gap:9px;color:#f5dda0;font-size:.75rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;margin-bottom:7px}
.consultation-strip h2{color:#fff;font-family:'Fraunces',Georgia,serif;font-weight:400;font-size:clamp(1.65rem,2.55vw,2.5rem);letter-spacing:-.025em}
.consultation-strip p{color:rgba(255,255,255,.86);margin:7px 0 0}
.consultation-strip-button{flex:0 0 auto;min-width:285px;border:1px solid rgba(255,255,255,.24);box-shadow:0 16px 35px rgba(4,24,39,.25)!important}
@media(max-width:860px){.consultation-strip-inner{align-items:flex-start;flex-direction:column;gap:19px;padding-top:25px;padding-bottom:27px}.consultation-strip-button{min-width:0;width:100%}}

/* Refined company-information footer */
.footer-company{margin-top:42px;padding:30px 0 26px;border-top:1px solid rgba(255,255,255,.12);border-bottom:1px solid rgba(255,255,255,.09);font-size:.84rem;color:#c4cfde}
.footer-company-head{display:flex;align-items:flex-end;justify-content:space-between;gap:28px;margin-bottom:22px}
.footer-company-head>div{display:grid;gap:6px}
.footer-company-kicker{color:#e4c66f;font-size:.68rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase}
.footer-company-head strong{color:#fff;font-size:1rem;line-height:1.4}
.footer-credit{display:inline-flex;align-items:center;gap:5px;flex:0 0 auto;padding:9px 13px;border:1px solid rgba(228,198,111,.3);background:rgba(228,198,111,.08);border-radius:999px;color:#f3d986!important;font-size:.76rem;white-space:nowrap}
.footer-credit:hover{background:rgba(228,198,111,.16);transform:translateY(-1px)}
.footer-company-details{display:grid;grid-template-columns:1.5fr 1fr .72fr .72fr;gap:14px}
.footer-detail{min-height:100%;padding:17px 18px;border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.045);border-radius:16px}
.footer-detail-label{display:block;margin-bottom:7px;color:#95abc6;font-size:.66rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.footer-detail p{margin:0;color:#d4deeb;font-size:.79rem;line-height:1.55}
.footer-regulatory-note{display:flex;align-items:flex-start;gap:11px;margin-top:14px;padding:14px 16px;border-left:3px solid #c8a34d;background:rgba(255,255,255,.035);border-radius:0 12px 12px 0}
.footer-regulatory-note p{margin:0;color:#aebed1;font-size:.76rem;line-height:1.55}
.footer-regulatory-mark{display:grid;place-items:center;flex:0 0 22px;width:22px;height:22px;border:1px solid rgba(228,198,111,.45);border-radius:50%;color:#e4c66f;font-family:"Playfair Display",Georgia,serif;font-weight:700;font-size:.8rem}
.footer-bottom{padding:17px 0 20px}
.footer-bottom a{color:#cbd6e5}
.footer-bottom a:hover{color:#fff}
@media(max-width:1040px){.footer-company-details{grid-template-columns:1fr 1fr}.footer-detail-wide{grid-column:1/-1}.footer-company-head{align-items:flex-start}}
@media(max-width:760px){.footer-company{padding:25px 0 22px}.footer-company-head{align-items:flex-start;flex-direction:column;gap:15px}.footer-credit{white-space:normal}.footer-company-details{grid-template-columns:1fr}.footer-detail-wide{grid-column:auto}.footer-detail{padding:15px 16px}.footer-company-head strong{font-size:.94rem}.footer-regulatory-note{padding:13px 14px}}

/* Footer consultation button refinement */
.footer-contact .footer-cta{width:auto!important;min-width:220px;max-width:100%;align-self:flex-start;justify-content:center;padding:12px 20px!important;gap:10px;color:#10213d!important;background:linear-gradient(135deg,#e0bd5d,#c99e38)!important;border:1px solid rgba(255,255,255,.18)}
.footer-contact .footer-cta .icon{width:19px!important;height:19px!important;flex:0 0 19px!important;color:#10213d!important;stroke:#10213d!important;opacity:1!important;filter:none!important}
.footer-contact .footer-cta span{color:#10213d!important}
@media(max-width:760px){.footer-contact .footer-cta{width:100%!important}}

/* Refined navigation (final, wins the cascade) */
.nav{height:86px;display:grid;grid-template-columns:auto 1fr auto;gap:22px}
.logo{display:grid;justify-items:center;gap:2px;line-height:1}
.logo img{height:59px}
.logo-tagline{display:block;font-size:.58rem;font-weight:800;letter-spacing:.12em;line-height:1.2;text-transform:uppercase;color:var(--emerald);white-space:nowrap;margin-top:-2px}
.nav-links{gap:23px;font-size:.89rem;justify-content:center}
.nav-links>a,.nav-trigger{padding:31px 0}
.nav-links>a:not(.button)::after,.nav-trigger::after{bottom:19px}
.nav-actions{display:flex;align-items:center;gap:14px}
.nav-cta{position:relative;overflow:hidden;min-height:38px!important;padding:9px 15px!important;font-size:.76rem;white-space:nowrap;border:1px solid rgba(97,68,12,.14);box-shadow:0 8px 18px rgba(200,163,77,.26)!important}
.nav-cta .icon{width:15px;height:15px}
.nav-cta::after{content:"";position:absolute;inset:0;transform:translateX(-120%);background:linear-gradient(110deg,transparent,rgba(255,255,255,.34),transparent);transition:transform .65s}
.nav-cta:hover::after{transform:translateX(120%)}
/* Header gains its border/shadow only after scrolling, kept flat and quiet at the top of the page */
.header{box-shadow:none;border-bottom-color:transparent;transition:border-color .35s ease,box-shadow .35s ease}
.header::after{opacity:0;transition:opacity .35s ease}
.header.scrolled{box-shadow:0 7px 30px rgba(7,31,70,.07);border-bottom-color:rgba(7,31,70,.08)}
.header.scrolled::after{opacity:1}
.dropdown-menu{width:286px;padding:8px;border-radius:6px;background:rgba(250,249,247,.98)}.dropdown-menu a{align-items:center;padding:11px 12px;gap:11px;border-radius:4px}.dropdown-menu strong{font-family:Inter,Arial,sans-serif!important;font-weight:700;font-size:.88rem;line-height:1.25}.dropdown-menu .icon{width:19px;height:19px;margin:0;color:var(--royal)}
.mobile-services div{gap:2px}.mobile-services a{color:var(--navy);font-weight:600}
/* Rebuilt footer (final, wins the cascade) */
.footer{background:linear-gradient(145deg,#06152e,#092650);color:#dbe4f1;margin-top:80px;padding-top:58px}.footer-grid{display:grid;grid-template-columns:1.25fr 1.05fr .72fr 1fr;gap:38px;align-items:start}.footer-brand p{color:#bfcadd;max-width:330px}.footer-logo-frame{display:inline-flex;align-items:center;justify-content:center;background:#fff;border-radius:18px;padding:11px 17px;margin-bottom:18px;box-shadow:0 12px 30px rgba(0,0,0,.18)}.footer-logo-frame img{height:58px;width:auto;filter:none}.footer-trust{display:flex;gap:8px;flex-wrap:wrap;margin-top:17px}.footer-trust span{font-size:.72rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.06);padding:7px 10px;border-radius:999px}.footer h3{color:#fff;font-size:1.13rem;margin-bottom:14px}.footer-links{display:grid;gap:9px}.footer-links a,.footer-contact a{color:#c3cede}.footer-links a:hover,.footer-contact a:hover{color:#fff}.footer-contact{display:grid;gap:12px}.footer-contact>a:not(.button){display:flex;align-items:center;gap:9px;overflow-wrap:anywhere}.footer-contact .icon{color:#e3c36f}.footer-cta{margin-top:6px;color:#142039!important;width:100%;white-space:nowrap}.footer-company{margin-top:38px;padding:28px 0 24px;border-top:1px solid rgba(255,255,255,.11);border-bottom:1px solid rgba(255,255,255,.08);font-size:.82rem;color:#b8c5d7}.footer-company>strong{display:block;color:#fff;margin-bottom:15px;font-size:.9rem}.footer-company-grid{display:grid;grid-template-columns:1fr 1fr;gap:7px 30px}.footer-company-grid .footer-wide{grid-column:1/-1}.footer-company a{color:#f1d37f}.footer-bottom{padding:18px 0;display:flex;justify-content:space-between;gap:18px;font-size:.81rem;color:#9eb0c8}
@media(max-width:1040px){.nav{height:82px}.nav-cta{display:none!important}.footer-grid{grid-template-columns:1fr 1fr}.footer-company-grid{grid-template-columns:1fr}}
@media(max-width:760px){.nav{height:78px}.logo img{height:52px}.logo-tagline{font-size:.5rem;letter-spacing:.09em}.footer{padding-top:46px}.footer-grid{grid-template-columns:1fr;gap:30px}.footer-logo-frame img{height:54px}.footer-company{margin-top:30px}.footer-bottom{align-items:flex-start;flex-direction:column}.footer-company-grid .footer-wide{grid-column:auto}}