:root{--blue:#23479F;--blue-deep:#1A356F;--brown:#6B4F25;--tan:#C9A76A;--tan-soft:#DCC392;--paper:#F4EFE3;--cream:#FBF6E9;--slate:#2A3548;--slate-mute:#6B7686;--line-paper:rgba(107,79,37,.22);--white:#FFFFFF;--ivory:#ECE2C9}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
html,body{font-family:'Inter','Poppins',sans-serif;color:var(--slate);background:#FFFFFF;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.top{position:sticky;top:0;z-index:100;background:rgba(35,71,159,.97);backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line-paper)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;max-width:1500px;margin:0 auto;padding:14px 38px;gap:36px}
.logo-img{height:46px;width:auto;display:block}
.nav-items{display:flex;list-style:none;gap:30px;flex:1;justify-content:center;margin:0;padding:0}
.nav-items > li{position:relative;padding:14px 0}
.nav-top-link{font-family:'Poppins',sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--blue)}
.nav-top-link:hover{color:var(--tan)}
.nav-dd{position:absolute;left:50%;transform:translateX(-50%) translateY(-6px);top:100%;background:#FFFFFF;min-width:560px;padding:24px 28px;box-shadow:0 30px 60px rgba(8,22,50,.30);border:1px solid var(--line-paper);border-top:2px solid var(--brown);visibility:hidden;opacity:0;transition:opacity .15s, visibility .15s;z-index:60}
.nav-items > li:hover .nav-dd{visibility:visible;opacity:1;transform:translateX(-50%) translateY(0)}
.nav-dd-cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:36px}
.nav-dd-col h6{font-family:'Poppins',sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--brown);margin-bottom:10px;font-weight:600}
.nav-dd-col ul{list-style:none}
.nav-dd-col ul li{padding:5px 0}
.nav-dd-col a{font-family:'Inter',sans-serif;font-size:14px;color:var(--slate)}
.nav-dd-col a:hover{color:var(--blue)}
.nav-cta{font-family:'Poppins',sans-serif;font-size:11.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--paper);border-bottom:1px solid var(--tan);padding-bottom:4px;font-weight:600}
.nav-cta:hover{color:var(--tan);border-color:var(--tan)}
.page-hero{background:linear-gradient(180deg,var(--blue) 0%,var(--blue-deep) 100%);color:var(--paper);padding:84px 38px 96px;border-bottom:1px solid var(--brown)}
.page-hero-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:end}
.page-hero .eyebrow{font-family:'Poppins',sans-serif;font-size:12px;letter-spacing:.28em;text-transform:uppercase;color:var(--tan);margin-bottom:22px;display:block}
.page-hero h1{font-family:'Cormorant Garamond',serif;font-size:64px;line-height:1.05;letter-spacing:-.01em;font-weight:500;color:var(--paper)}
.page-hero h1 em{font-style:italic;color:var(--tan-soft)}
.page-hero .breadcrumb{font-family:'Inter',sans-serif;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--tan-soft);margin-bottom:32px;display:block}
.page-hero .breadcrumb a{color:var(--tan-soft)}
.page-hero .right-rail{font-family:'Cormorant Garamond',serif;font-style:italic;font-size:20px;color:var(--tan-soft);line-height:1.5;border-left:2px solid var(--tan);padding-left:24px}
.page-body{max-width:1080px;margin:0 auto;padding:80px 38px}
.rf-shell{max-width:920px;margin:0 auto}
.rf-lede{font-family:'Cormorant Garamond',serif;font-style:italic;font-size:clamp(22px,2.3vw,30px);line-height:1.45;color:var(--brown);font-weight:500;margin-bottom:42px;padding-bottom:32px;border-bottom:1px solid var(--tan-soft);text-align:center;max-width:780px;margin-left:auto;margin-right:auto}
.rf-anchor-quote{background:#FFFFFF;border-left:4px solid var(--blue);padding:28px 32px;margin-bottom:56px}
.rf-anchor-quote p{font-family:'Cormorant Garamond',serif;font-style:italic;font-size:22px;line-height:1.5;color:var(--slate);font-weight:500}
.rf-anchor-quote p strong{color:var(--brown);font-weight:600;font-style:normal;font-family:'Poppins',sans-serif;font-size:11px;letter-spacing:.26em;text-transform:uppercase;display:block;margin-bottom:8px}
.rf-anchors{display:flex;justify-content:center;flex-wrap:wrap;margin-bottom:56px;border:1px solid var(--tan-soft);background:#FFFFFF}
.rf-anchors a{flex:1;min-width:140px;text-align:center;padding:14px 18px;font-family:'Poppins',sans-serif;font-size:10.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--brown);font-weight:600;border-right:1px solid var(--tan-soft);transition:all .2s}
.rf-anchors a:last-child{border-right:none}
.rf-anchors a:hover{background:var(--blue);color:var(--paper)}
.rf-section{margin-bottom:64px;padding-bottom:48px;border-bottom:1px solid var(--tan-soft);scroll-margin-top:96px}
.rf-section:last-of-type{border-bottom:none}
.rf-section h2{font-family:'Cormorant Garamond',serif;font-size:clamp(32px,3.6vw,46px);color:var(--blue);font-weight:500;line-height:1.1;margin-bottom:14px;letter-spacing:-.018em}
.rf-section h2 em{color:var(--brown);font-style:italic;display:block}
.rf-eyebrow{font-family:'Poppins',sans-serif;font-size:10.5px;letter-spacing:.30em;text-transform:uppercase;color:var(--brown);font-weight:700;margin-bottom:14px;display:block}
.rf-section p{font-family:'Inter',sans-serif;font-size:16px;line-height:1.7;color:var(--slate);margin-bottom:16px;max-width:720px}
.rf-section p strong{color:var(--brown);font-weight:600}
.rf-section a.inline{color:var(--blue);font-weight:500;border-bottom:1px solid var(--tan-soft)}
.rf-yesno{display:grid;grid-template-columns:1fr;gap:28px;margin-top:28px;max-width:780px}
.rf-yes,.rf-no{padding:24px 26px;border:1px solid var(--tan-soft);background:#FFFFFF}
.rf-yes{border-left:3px solid var(--blue)}
.rf-no{border-left:3px solid var(--brown)}
.rf-yes h4,.rf-no h4{font-family:'Poppins',sans-serif;font-size:10.5px;letter-spacing:.26em;text-transform:uppercase;font-weight:700;margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--tan-soft)}
.rf-yes h4{color:var(--blue)}
.rf-no h4{color:var(--brown)}
.rf-yes ul,.rf-no ul{list-style:none;display:flex;flex-direction:column;gap:8px}
.rf-yes ul li,.rf-no ul li{font-family:'Inter',sans-serif;font-size:14.5px;line-height:1.55;color:var(--slate);padding-left:22px;position:relative}
.rf-yes ul li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--blue);font-weight:700;font-size:14px}
.rf-no ul li::before{content:"\2014";position:absolute;left:0;top:0;color:var(--brown);font-weight:600}
.rf-referrals{margin-top:28px;border:1px solid var(--tan-soft);background:#FFFFFF}
.rf-ref-row{display:grid;grid-template-columns:230px 1fr;gap:24px;padding:18px 24px;border-bottom:1px solid var(--tan-soft);align-items:start}
.rf-ref-row:last-child{border-bottom:none}
.rf-ref-need{font-family:'Cormorant Garamond',serif;font-style:italic;font-size:17px;color:var(--brown);font-weight:500;line-height:1.35}
.rf-ref-rec{font-family:'Inter',sans-serif;font-size:14px;color:var(--slate);line-height:1.6}
.rf-ref-rec strong{color:var(--blue);font-weight:600}
.rf-closing{margin-top:56px;padding:48px 40px;background:var(--blue);color:var(--paper);border-left:4px solid var(--tan);text-align:center}
.rf-closing h3{font-family:'Cormorant Garamond',serif;font-size:clamp(28px,3vw,38px);color:var(--paper);font-weight:500;line-height:1.15;margin-bottom:14px}
.rf-closing h3 em{color:var(--tan-soft);font-style:italic}
.rf-closing p{font-family:'Inter',sans-serif;font-size:15px;color:#dde4f0;line-height:1.7;max-width:600px;margin:0 auto 28px}
.rf-cta-row{display:flex;justify-content:center;gap:14px;flex-wrap:wrap}
.rfc{font-family:'Poppins',sans-serif;font-size:11.5px;letter-spacing:.22em;text-transform:uppercase;font-weight:600;padding:14px 26px;border:1px solid var(--tan);color:var(--tan);transition:all .2s}
.rfc.primary{background:var(--tan);color:var(--blue-deep);border-color:var(--tan)}
.rfc.primary:hover{background:#FFFFFF;color:var(--blue-deep);border-color:var(--paper)}
.rfc:hover{background:var(--tan);color:var(--blue-deep)}
footer{background:#FFFFFF;color:var(--slate);padding:60px 38px 36px;border-top:1px solid var(--line-paper)}
.foot-grid{max-width:1500px;margin:0 auto;display:grid;grid-template-columns:1.4fr repeat(6,1fr);gap:26px}
.foot-brand img{height:42px;margin-bottom:18px}
footer h5{font-family:'Poppins',sans-serif;font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--brown);font-weight:600;margin-bottom:14px}
footer ul{list-style:none}
footer ul li{padding:4px 0}
footer ul li a{font-family:'Inter',sans-serif;font-size:14px;color:var(--slate)}
footer ul li a:hover{color:var(--blue)}
.foot-bottom{max-width:1500px;margin:48px auto 0;padding-top:24px;border-top:1px solid var(--line-paper);display:flex;justify-content:space-between;font-family:'Inter',sans-serif;font-size:12px;color:var(--brown);flex-wrap:wrap;gap:14px}
@media (max-width:980px){.nav-items{display:none}.foot-grid{grid-template-columns:repeat(3,1fr)}.page-hero-inner{grid-template-columns:1fr;gap:32px}.page-hero h1{font-size:48px}}
@media (max-width:740px){.rf-ref-row{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}}




.foot-sub{font-family:'Poppins',sans-serif;font-size:9.5px;letter-spacing:.24em;text-transform:uppercase;color:var(--brown);font-weight:600;margin-top:12px}