:root {

            --pine: #082A3A;

            --pine2: #0E4057;

            --pine3: #061C27;

            --paper: #F0F9FD;

            --paper2: #DDEFF7;

            --card: #F8FCFE;

            --ink: #122B36;

            --muted: #5E7680;

            --gold: #38A9D6;

            --gold2: #69C6E8;

            --line: rgba(18, 43, 54, .14);

            --line2: rgba(18, 43, 54, .32);

            --lined: rgba(240, 249, 253, .16);

            --serif: "Fraunces", Georgia, serif;

            --sans: "Instrument Sans", system-ui, sans-serif;

        }

        html {
            scroll-behavior: smooth;
            scroll-padding-top: 96px;
        }

        body {
            background: var(--paper);
            color: var(--ink);
            font-family: var(--sans);
            font-size: 15px;
            line-height: 1.65;
            -webkit-font-smoothing: antialiased;
            overflow-x: hidden;
        }

        ::selection {
            background: var(--gold);
            color: var(--pine);
        }

        a {
            text-decoration: none;
        }

        a:hover {
            color: inherit;
        }

        :focus-visible {
            outline: 2px solid var(--gold);
            outline-offset: 3px;
            border-radius: 4px;
        }

        /* ---------- typography ---------- */
        .serif {
            font-family: var(--serif);
        }

        .h2 {
            font-family: var(--serif);
            font-weight: 500;
            font-size: clamp(2.05rem, 4vw, 3.15rem);
            line-height: 1.04;
            letter-spacing: -.02em;
            margin: 0 0 1rem;
        }

        .h2 em {
            font-style: italic;
            color: var(--gold);
            font-weight: 480;
        }

        .lede {
            color: var(--muted);
            font-size: 1rem;
            line-height: 1.8;
            margin: 0;
        }

        .lede-light {
            color: rgba(230, 242, 245, 0.68);
        }

        .eyebrow {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            font-size: .66rem;
            font-weight: 700;
            letter-spacing: .24em;
            text-transform: uppercase;
            color: #2e5c45;
        }

        .eyebrow::before {
            content: "";
            width: 7px;
            height: 7px;
            border-radius: 50%;
            background: var(--gold);
            flex-shrink: 0;
        }

        .eyebrow-light {
            color: rgba(230, 244, 245, 0.72);
        }

        /* ---------- buttons ---------- */
        .btx {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            gap: 10px;
            min-height: 52px;
            padding: 0 27px;
            border-radius: 999px;
            border: 1px solid transparent;
            font-weight: 650;
            font-size: .87rem;
            letter-spacing: .01em;
            white-space: nowrap;
            cursor: pointer;
            transition: transform .22s, box-shadow .22s, background .22s, color .22s, border-color .22s;
        }

        .btx:hover {
            transform: translateY(-2px);
        }

        .btx:active {
            transform: translateY(0);
        }

        .btx .arr {
            transition: transform .22s;
        }

        .btx:hover .arr {
            transform: translateX(4px);
        }

        .btx-gold {
            background: var(--gold);
            color: var(--pine);
            box-shadow: 0 14px 30px rgba(200, 155, 60, .3);
        }

        .btx-gold:hover {
            background: var(--gold2);
            color: var(--pine);
        }

        .btx-ink {
            background: var(--pine);
            color: var(--paper);
        }

        .btx-ink:hover {
            background: var(--pine2);
            color: var(--paper);
            box-shadow: 0 14px 30px rgba(13, 43, 31, .25);
        }

        .btx-ghost {
            background: transparent;
            border-color: rgba(245, 241, 230, .35);
            color: var(--paper);
        }

        .btx-ghost:hover {
            border-color: var(--gold);
            color: var(--gold);
        }

        .btx-ghost-dark {
            background: transparent;
            border-color: var(--line2);
            color: var(--ink);
        }

        .btx-ghost-dark:hover {
            border-color: var(--pine);
            background: rgba(13, 43, 31, .04);
            color: var(--ink);
        }

        .btx-sm {
            min-height: 42px;
            padding: 0 19px;
            font-size: .79rem;
        }

        /* ---------- nav ---------- */
        .nl {
            position: relative;
            font-size: .85rem;
            font-weight: 600;
            color: var(--ink);
            padding: 8px 2px;
        }

        .nl::after {
            content: "";
            position: absolute;
            left: 0;
            bottom: 3px;
            height: 2px;
            width: 100%;
            background: var(--gold);
            transform: scaleX(0);
            transform-origin: right;
            transition: transform .3s;
        }

        .nl:hover::after {
            transform: scaleX(1);
            transform-origin: left;
        }
        
        .brand-mark {
            width: 42px;
            height: 42px;
            border-radius: 13px;
            display: grid;
            place-items: center;
            background: var(--pine);
            color: var(--gold);
            font-family: var(--serif);
            font-style: italic;
            font-weight: 600;
            font-size: 1.05rem;
            box-shadow: 3px 3px 0 var(--gold);
            flex-shrink: 0;
        }

        .brand-name {
            font-family: var(--serif);
            font-size: 1.22rem;
            line-height: 1;
            letter-spacing: -.01em;
            color: var(--ink);
        }

        .brand-name .accent {
            font-style: italic;
            color: var(--gold);
        }

        /* ---------- reveal / masks ---------- */
        .rv {
            opacity: 0;
            transform: translateY(26px);
            transition: opacity .75s cubic-bezier(.2, .7, .2, 1), transform .75s cubic-bezier(.2, .7, .2, 1);
            transition-delay: var(--d, 0ms);
        }

        .rv.on {
            opacity: 1;
            transform: none;
        }

        .lm {
            display: block;
            overflow: hidden;
        }

        .lm>span {
            display: block;
            transform: translateY(112%);
            transition: transform 1s cubic-bezier(.2, .7, .2, 1);
            transition-delay: var(--d, 0ms);
        }

        .rv.on .lm>span {
            transform: none;
        }

        /* ---------- ticker / marquee ---------- */
        .ticker,
        .goldband {
            overflow: hidden;
        }

        .ticker-track,
        .goldband-track {
            display: flex;
            width: max-content;
            animation: marquee 38s linear infinite;
        }

        .goldband-track {
            animation-duration: 46s;
        }

        .ticker:hover .ticker-track,
        .goldband:hover .goldband-track {
            animation-play-state: paused;
        }

        @keyframes marquee {
            to {
                transform: translateX(-50%);
            }
        }

        /* ---------- hero ---------- */
        .spark-draw {
            stroke-dasharray: 620;
            stroke-dashoffset: 620;
            animation: draw 2s cubic-bezier(.4, 0, .2, 1) .5s forwards;
        }

        .spark-fill {
            opacity: 0;
            animation: fadein 1.2s 1.6s forwards;
        }

        @keyframes draw {
            to {
                stroke-dashoffset: 0;
            }
        }

        @keyframes fadein {
            to {
                opacity: 1;
            }
        }

        .float-a {
            animation: floaty 6.5s ease-in-out infinite;
        }

        .float-b {
            animation: floaty 8s ease-in-out .8s infinite;
        }

        .float-c {
            animation: floaty 7.2s ease-in-out 1.6s infinite;
        }

        @keyframes floaty {

            0%,
            100% {
                translate: 0 0;
            }

            50% {
                translate: 0 -11px;
            }
        }

        .ring-spin {
            animation: spin 46s linear infinite;
            transform-origin: center;
        }

        @keyframes spin {
            to {
                transform: rotate(360deg);
            }
        }

        .pulse-dot {
            animation: pulsedot 2.2s ease-in-out infinite;
        }

        @keyframes pulsedot {

            0%,
            100% {
                opacity: 1;
            }

            50% {
                opacity: .3;
            }
        }

        /* ---------- ken burns ---------- */
        .kb {
            overflow: hidden;
        }

        .kb img {
            animation: kenburns 22s ease-in-out infinite alternate;
        }

        @keyframes kenburns {
            from {
                transform: scale(1) translate(0, 0);
            }

            to {
                transform: scale(1.09) translate(-1.5%, 1.5%);
            }
        }

        /* ---------- service ledger ---------- */
        .svc-row {
            border-top: 1px solid var(--line);
            transition: background .3s;
        }

        .svc-row:last-child {
            border-bottom: 1px solid var(--line);
        }

        .svc-row:hover {
            background: rgba(251, 248, 240, .75);
        }

        .svc-row.open {
            background: var(--card);
        }

        .svc-head {
            display: grid;
            grid-template-columns: 52px 52px 1fr auto 34px;
            align-items: center;
            gap: 16px;
            width: 100%;
            padding: 22px 10px;
            background: none;
            border: 0;
            text-align: left;
        }

        .svc-num {
            font-family: var(--serif);
            font-style: italic;
            font-size: 1.35rem;
            color: var(--c, var(--gold));
        }

        .svc-ic {
            width: 52px;
            height: 52px;
            border-radius: 16px;
            display: grid;
            place-items: center;
            color: var(--c, var(--gold));
            background: color-mix(in srgb, var(--c, var(--gold)) 12%, transparent);
            border: 1px solid color-mix(in srgb, var(--c, var(--gold)) 26%, transparent);
            transition: transform .25s;
        }

        .svc-row:hover .svc-ic {
            transform: rotate(-6deg) scale(1.05);
        }

        .svc-name {
            font-family: var(--serif);
            font-weight: 550;
            font-size: clamp(1.25rem, 2.2vw, 1.62rem);
            letter-spacing: -.01em;
            display: inline-flex;
            align-items: center;
            gap: 10px;
            flex-wrap: wrap;
            transition: transform .25s;
        }

        .svc-row:hover .svc-name {
            transform: translateX(5px);
        }

        .svc-tag {
            font-family: var(--sans);
            font-size: .58rem;
            font-weight: 700;
            letter-spacing: .16em;
            text-transform: uppercase;
            padding: 4px 10px;
            border-radius: 999px;
        }

        .svc-intro {
            display: block;
            color: var(--muted);
            font-size: .82rem;
            margin-top: 3px;
            max-width: 560px;
        }

        .svc-meta {
            font-size: .72rem;
            font-weight: 700;
            color: var(--muted);
            letter-spacing: .08em;
            white-space: nowrap;
        }

        .svc-chev {
            width: 34px;
            height: 34px;
            border-radius: 50%;
            display: grid;
            place-items: center;
            border: 1px solid var(--line2);
            color: var(--ink);
            transition: transform .35s, background .3s, color .3s;
        }

        .svc-row.open .svc-chev {
            transform: rotate(180deg);
            background: var(--c, var(--gold));
            color: #fff;
            border-color: transparent;
        }

        .svc-panel {
            display: grid;
            grid-template-rows: 0fr;
            transition: grid-template-rows .55s cubic-bezier(.2, .7, .2, 1);
        }

        .svc-row.open .svc-panel {
            grid-template-rows: 1fr;
        }

        .svc-panel-in {
            overflow: hidden;
        }

        .subgrid {
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 12px;
            padding: 4px 8px 0 8px;
        }

        .sub-card {
            position: relative;
            display: flex;
            gap: 13px;
            align-items: flex-start;
            text-align: left;
            padding: 15px 16px;
            border-radius: 16px;
            border: 1px solid var(--line);
            background: var(--paper);
            cursor: pointer;
            transition: border-color .25s, transform .25s, box-shadow .25s;
        }

        .sub-card:hover {
            transform: translateY(-3px);
            border-color: color-mix(in srgb, var(--c, var(--gold)) 55%, transparent);
            box-shadow: 0 14px 30px rgba(13, 43, 31, .09);
        }

        .sub-card .go {
            position: absolute;
            top: 14px;
            right: 14px;
            color: var(--c, var(--gold));
            font-size: .72rem;
            opacity: 0;
            transform: translate(-5px, 5px);
            transition: .25s;
        }

        .sub-card:hover .go {
            opacity: 1;
            transform: none;
        }

        .sub-ic {
            width: 38px;
            height: 38px;
            flex-shrink: 0;
            border-radius: 12px;
            display: grid;
            place-items: center;
            color: var(--c, var(--gold));
            background: color-mix(in srgb, var(--c, var(--gold)) 13%, transparent);
        }

        .svc-actions {
            display: flex;
            flex-wrap: wrap;
            gap: 12px;
            padding: 20px 8px 26px 8px;
        }

        .chip {
            display: inline-flex;
            align-items: center;
            gap: 7px;
            padding: 9px 16px;
            border-radius: 999px;
            border: 1px solid var(--line2);
            background: transparent;
            color: var(--muted);
            font-size: .78rem;
            font-weight: 650;
            cursor: pointer;
            transition: .22s;
        }

        .chip:hover {
            border-color: var(--pine);
            color: var(--ink);
            transform: translateY(-1px);
        }

        .chip.on {
            background: var(--pine);
            border-color: var(--pine);
            color: var(--paper);
        }

        /* ---------- faq ---------- */
        .faq-item {
            border-radius: 18px;
            border: 1px solid var(--line);
            background: rgba(235, 228, 209, .6);
            transition: background .3s, border-color .3s;
        }

        .faq-item.open {
            background: var(--card);
            border-color: rgba(200, 155, 60, .5);
        }

        .faq-a {
            display: grid;
            grid-template-rows: 0fr;
            transition: grid-template-rows .45s cubic-bezier(.2, .7, .2, 1);
        }

        .faq-item.open .faq-a {
            grid-template-rows: 1fr;
        }

        .faq-a-in {
            overflow: hidden;
        }

        .qplus {
            transition: transform .35s;
        }

        .faq-item.open .qplus {
            transform: rotate(45deg);
        }

        /* ---------- postcards ---------- */
        .postcard {
            transition: transform .45s cubic-bezier(.2, .7, .2, 1), box-shadow .45s;
        }

        .postcard:hover {
            transform: rotate(0deg) translateY(-8px) !important;
            box-shadow: 0 30px 60px rgba(13, 43, 31, .18);
        }

        .pin {
            width: 13px;
            height: 13px;
            border-radius: 50%;
            background: radial-gradient(circle at 35% 30%, var(--gold2), var(--gold) 60%, #9a7324);
            box-shadow: 0 4px 8px rgba(13, 43, 31, .35);
        }

        /* ---------- overlay / modal ---------- */
        .overlay {
            position: fixed;
            inset: 0;
            z-index: 1200;
            display: grid;
            place-items: center;
            padding: 20px;
            background: rgba(8, 26, 19, .66);
            backdrop-filter: blur(9px);
            opacity: 0;
            pointer-events: none;
            transition: opacity .3s;
        }

        .overlay.open {
            opacity: 1;
            pointer-events: auto;
        }

        .modal-card {
            transform: translateY(22px) scale(.975);
            transition: transform .4s cubic-bezier(.2, .7, .2, 1);
        }

        .overlay.open .modal-card {
            transform: none;
        }

        .m-close {
            position: absolute;
            right: 18px;
            top: 18px;
            width: 40px;
            height: 40px;
            border-radius: 12px;
            border: 1px solid var(--line2);
            background: var(--card);
            cursor: pointer;
            transition: .25s;
            z-index: 2;
        }

        .m-close:hover {
            background: var(--pine);
            color: var(--paper);
            border-color: transparent;
        }

        .m-sub {
            display: flex;
            gap: 14px;
            align-items: flex-start;
            padding: 15px;
            border-radius: 16px;
            border: 1px solid var(--line);
            background: var(--paper);
        }

        .m-sub.hot {
            border-color: var(--gold);
            background: rgba(200, 155, 60, .07);
        }

        .hot-tag {
            margin-left: 8px;
            font-size: .56rem;
            font-weight: 700;
            letter-spacing: .14em;
            text-transform: uppercase;
            padding: 2px 8px;
            border-radius: 999px;
            background: rgba(200, 155, 60, .18);
            color: #8a6a22;
            vertical-align: middle;
        }

        /* ---------- toast ---------- */
        .toast-box {
            position: fixed;
            left: 50%;
            bottom: 26px;
            z-index: 2000;
            transform: translate(-50%, 180%);
            transition: transform .45s cubic-bezier(.2, .7, .2, 1);
            max-width: min(92vw, 480px);
        }

        .toast-box.show {
            transform: translate(-50%, 0);
        }

        /* ---------- offcanvas (mobile menu) ---------- */
        .offcanvas.side {
            max-width: 360px;
            background: var(--pine);
            color: var(--paper);
        }

        .offcanvas.side .btn-close {
            filter: invert(1) grayscale(1);
            opacity: .7;
        }

        .offcanvas.side .offcanvas-header {
            border-bottom: 1px solid var(--lined);
        }

        .mlink {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 15px 6px;
            border-bottom: 1px solid var(--lined);
            font-family: var(--serif);
            font-size: 1.35rem;
            color: var(--paper);
            transition: padding-left .25s, color .25s;
        }

        .mlink:hover {
            padding-left: 14px;
            color: var(--gold);
        }

        .mlink i {
            font-size: .8rem;
            color: var(--gold);
        }

        /* ---------- forms ---------- */
        .field label {
            display: block;
            margin-bottom: 6px;
            font-size: .66rem;
            font-weight: 700;
            letter-spacing: .14em;
            text-transform: uppercase;
            color: var(--muted);
        }

        .field input,
        .field select,
        .field textarea {
            width: 100%;
            padding: 13px 15px;
            border-radius: 13px;
            border: 1px solid var(--line2);
            background: var(--paper);
            color: var(--ink);
            font-size: .9rem;
            transition: border-color .2s, box-shadow .2s;
        }

        .field input:focus,
        .field select:focus,
        .field textarea:focus {
            outline: none;
            border-color: var(--gold);
            box-shadow: 0 0 0 3px rgba(200, 155, 60, .18);
        }

        .field textarea {
            min-height: 112px;
            resize: vertical;
        }

        /* ---------- misc ---------- */
        .noise {
            position: fixed;
            inset: 0;
            z-index: 1100;
            pointer-events: none;
            opacity: .045;
            mix-blend-mode: multiply;
            background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='180' height='180' filter='url(%23n)' opacity='0.7'/%3E%3C/svg%3E");
        }

        .hard-shadow {
            box-shadow: 10px 10px 0 var(--gold);
        }

        .hairline {
            border-top: 1px solid var(--line);
        }

        .hairline-light {
            border-top: 1px solid var(--lined);
        }

        .flink {
            color: rgba(245, 241, 230, .6);
            font-size: .85rem;
            transition: color .2s;
            background: none;
            border: 0;
            padding: 3px 0;
            text-align: left;
            cursor: pointer;
        }

        .flink:hover {
            color: var(--gold2);
        }

        .f-title {
            font-size: .66rem;
            letter-spacing: .24em;
            text-transform: uppercase;
            color: var(--gold);
            font-weight: 700;
            margin-bottom: 16px;
            margin-left: -15px;
            font-family: var(--sans);
        }

        /* ---------- responsive ---------- */
        @media (min-width: 992px) {
            .sticky-rail {
                position: sticky;
                top: 110px;
            }
        }

        @media (max-width: 900px) {
            .svc-head {
                grid-template-columns: 1fr 34px;
            }

            .svc-num,
            .svc-ic,
            .svc-meta {
                display: none;
            }

            .subgrid {
                grid-template-columns: 1fr;
            }
        }

        @media (max-width: 767px) {
            .hero-stack {
                min-height: 460px !important;
            }

            .hero-card-claim {
                width: 210px !important;
                right: 0 !important;
            }

            .hero-card-debt {
                width: 230px !important;
            }
        }

        @media (prefers-reduced-motion: reduce) {
            html {
                scroll-behavior: auto;
            }

            *,
            *::before,
            *::after {
                animation-duration: .01ms !important;
                animation-iteration-count: 1 !important;
                transition-duration: .01ms !important;
            }

            .rv,
            .lm>span {
                opacity: 1;
                transform: none;
            }

            .spark-draw {
                stroke-dashoffset: 0;
            }

            .spark-fill {
                opacity: 1;
            }

            .ticker-track,
            .goldband-track {
                animation: none;
            }
        }

        /* ---- multi-page additions ---- */
        .nl.active {
            color: var(--gold)
        }

        .nl.active::after {
            transform: scaleX(1)
        }

        .mlink.active {
            color: var(--gold2)
        }

        .page-hero {
            position: relative;
            background: var(--pine);
            color: var(--paper);
            padding: 72px 0 76px;
            overflow: hidden
        }

        .page-hero::before {
            content: "";
            position: absolute;
            inset: 0;
            background: radial-gradient(640px 360px at 85% 0%, rgba(200, 155, 60, .15), transparent 65%), radial-gradient(500px 400px at 0% 100%, rgba(20, 64, 46, .9), transparent 60%)
        }

        .page-hero::after {
            content: "";
            position: absolute;
            inset: 0;
            opacity: .05;
            background-image: linear-gradient(rgba(245, 241, 230, .5) 1px, transparent 1px), linear-gradient(90deg, rgba(245, 241, 230, .5) 1px, transparent 1px);
            background-size: 56px 56px
        }

        .page-hero .container {
            position: relative;
            z-index: 1
        }

        .page-hero h1 {
            font-family: var(--serif);
            font-weight: 520;
            letter-spacing: -.025em;
            line-height: 1.02;
            font-size: clamp(2.4rem, 5vw, 3.8rem);
            margin: 18px 0 0
        }

        .page-hero h1 em {
            color: var(--gold);
            font-style: italic
        }

        .page-hero p.sub {
            max-width: 600px;
            margin: 18px 0 0;
            color: rgba(245, 241, 230, .7);
            font-size: 1.02rem;
            line-height: 1.8
        }

        .crumbs {
            font-size: .7rem;
            font-weight: 700;
            letter-spacing: .2em;
            text-transform: uppercase;
            color: rgba(245, 241, 230, .5);
            margin-bottom: 22px
        }

        .crumbs a:hover {
            color: var(--gold2)
        }

        .banner-wrap {
            background: var(--paper);
            padding: 84px 0 20px
        }

        .banner-card {
            border-radius: 30px;
            overflow: hidden;
            border: 1px solid var(--line);
            box-shadow: 0 30px 70px rgba(13, 43, 31, .14);
            background: var(--card)
        }

        .banner-card img {
            display: block;
            width: 100%;
            height: auto
        }

        .legal-doc {
            background: var(--card);
            border: 1px solid var(--line);
            border-radius: 26px;
            padding: clamp(26px, 4vw, 52px);
            max-width: 860px;
            margin: 0 auto;
            box-shadow: 0 16px 40px rgba(13, 43, 31, .07)
        }

        .legal-doc h4 {
            font-family: var(--serif);
            font-size: 1.08rem;
            font-weight: 600;
            color: #2e5c45;
            margin: 28px 0 6px
        }

        .legal-doc h4:first-of-type {
            margin-top: 0
        }

        .legal-doc p {
            font-size: .92rem;
            line-height: 1.75;
            color: var(--muted);
            margin: 0
        }

        .legal-nav {
            max-width: 860px;
            margin: 22px auto 0;
            display: flex;
            gap: 20px;
            flex-wrap: wrap;
            font-size: .82rem;
            font-weight: 600
        }

        .legal-nav a {
            color: #2e5c45;
            text-decoration: underline;
            text-underline-offset: 4px
        }

        .panel-narrow {
            max-width: 520px;
            margin: 0 auto;
            background: var(--card);
            border: 1px solid var(--line);
            border-radius: 26px;
            padding: clamp(26px, 4vw, 40px);
            box-shadow: 0 16px 40px rgba(13, 43, 31, .07)
        }

        #unsubDone {
            display: none;
            text-align: center
        }

        .cta-band {
            background: var(--paper2);
            padding: 70px 0
        }