:root{
  --navy:#14324a;
  --teal:#0f5c63;
  --teal-l:#e3f1f0;
  --warm:#fdfaf5;
  --ink:#1d2a33;
  --accent:#c8692b;
  --muted:#5a6b75;
  --border:#d5e3e3;
}
*{box-sizing:border-box}
html{font-size:20px;scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",Arial,Helvetica,sans-serif;color:var(--ink);background:var(--warm);line-height:1.65}
img{max-width:100%;display:block;height:auto}
a{color:var(--teal)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.2rem}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.25;margin-top:0}
h1{font-size:clamp(1.9rem,4vw,2.5rem);margin-bottom:.4em}
h2{font-size:clamp(1.4rem,3vw,1.75rem);margin-bottom:.5em}
h3{font-size:1.15rem;margin-bottom:.35em}
p{margin-top:0}
.skip{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip:focus{position:fixed;left:1rem;top:1rem;width:auto;height:auto;z-index:100;background:#fff;padding:.6rem 1rem;border-radius:8px;outline:3px solid var(--accent)}

header{background:#fff;border-bottom:4px solid var(--teal);position:sticky;top:0;z-index:20}
.top{display:flex;align-items:center;justify-content:space-between;gap:.8rem;padding:.55rem 1.2rem;max-width:1120px;margin:0 auto;flex-wrap:wrap}
.logo{display:inline-flex;align-items:center;text-decoration:none}
.logo img{height:52px;width:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.1;margin-left:.15rem}
.brand-text strong{font-family:Georgia,serif;color:var(--navy);font-size:1.05rem}
.brand-text span{font-size:.7rem;letter-spacing:.18em;color:var(--teal);font-weight:700;text-transform:uppercase}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:.2rem;flex-wrap:wrap}
nav a{display:block;padding:.4rem .55rem;text-decoration:none;color:var(--navy);font-weight:600;border-radius:8px;font-size:.82rem;white-space:nowrap}
nav a:hover,nav a[aria-current="page"]{background:var(--teal-l);color:var(--teal)}

.btn{display:inline-block;padding:.75rem 1.35rem;border-radius:10px;font-weight:700;text-decoration:none;font-size:1.05rem;border:2px solid var(--teal);min-height:48px;line-height:1.2;text-align:center;cursor:pointer;font-family:inherit}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-outline{background:#fff;color:var(--teal)}
.btn-ghost{background:transparent;color:#fff;border-color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}
.btn-outline:hover{background:var(--teal-l);color:var(--teal)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:var(--teal-l);border-color:var(--teal-l);color:var(--navy)}
.btn-accent{background:var(--accent);border-color:var(--accent);color:#fff}
.btn-accent:hover{background:#a5531f;border-color:#a5531f;color:#fff}
.login{padding:.4rem .9rem;font-size:.85rem;min-height:42px;white-space:nowrap}
.actions{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.2rem}

.hero{background:linear-gradient(135deg,var(--navy),var(--teal));color:#fff;padding:3rem 0}
.hero .wrap{display:grid;grid-template-columns:1.15fr 1fr;gap:2.4rem;align-items:center}
.hero h1{color:#fff}
.tagline{text-transform:uppercase;letter-spacing:.12em;font-weight:700;color:#bfe6e2;margin:0 0 .5rem;font-size:.85rem}
.hero p.lead{font-size:1.15rem;margin-bottom:0}
.hero img{border-radius:18px;box-shadow:0 10px 30px rgba(0,0,0,.28);width:100%}
.hub-badge{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);color:#fff;padding:.35rem .75rem;border-radius:999px;font-size:.8rem;font-weight:700;letter-spacing:.04em;margin-bottom:.9rem}

section{padding:3rem 0}
.alt{background:#fff}
.page-head{background:var(--teal-l);padding:2rem 0}
.page-head h1{margin:0}
.page-head .tagline{color:var(--teal)}

.grid2{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:1.4rem;box-shadow:0 2px 8px rgba(20,50,74,.06)}
.alt .card{background:var(--warm)}
.card.featured{border:2px solid var(--teal);position:relative}
.card .eyebrow{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--teal);font-weight:800;margin:0 0 .4rem}
.icon{width:64px;height:64px;border-radius:50%;background:var(--teal-l);display:flex;align-items:center;justify-content:center;font-size:1.8rem;margin-bottom:.6rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:2.4rem;align-items:center}
.split.top{align-items:start}
.split img{border-radius:16px;width:100%}
.portrait{width:240px;height:240px;border-radius:50%;object-fit:cover;display:block;margin:0 auto 1rem}

ul.check,ul.cross{padding-left:0;list-style:none;margin:0 0 1rem}
ul.check li,ul.cross li{padding-left:2rem;position:relative;margin:.45rem 0}
ul.check li::before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:900}
ul.cross li::before{content:"✕";position:absolute;left:0;color:#a33;font-weight:900}

.price{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.price .amt{font-size:2.5rem;font-weight:800;color:var(--teal);font-family:Georgia,serif;line-height:1;margin:.3rem 0}
.price .amt span{font-size:1rem;font-weight:600}
.price .card p:last-child{margin-bottom:0;font-size:.95rem;color:var(--muted)}

.note{background:var(--teal-l);border-left:6px solid var(--teal);padding:1rem 1.25rem;border-radius:8px}
.note.warning{background:#fff7e6;border-left-color:var(--accent)}
.placeholder{background:#fff7e6;border:2px dashed var(--accent);padding:.15rem .45rem;border-radius:6px;color:#5a2a00}
.embed-box{border:3px dashed var(--teal);border-radius:16px;padding:2.5rem 1.4rem;text-align:center;background:#fff;min-height:300px;display:flex;flex-direction:column;justify-content:center;gap:.8rem}

.steps{counter-reset:step;display:grid;gap:1rem}
.step{display:grid;grid-template-columns:auto 1fr;gap:1rem;align-items:start;background:#fff;border:1px solid var(--border);border-radius:14px;padding:1.1rem 1.25rem}
.alt .step{background:var(--warm)}
.step-num{width:42px;height:42px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:Georgia,serif}
.step h3{margin-bottom:.25rem}

.form-card label{display:block;font-weight:700;color:var(--navy);margin:0 0 .35rem}
.form-card .field{margin-bottom:1rem}
.form-card input,.form-card select,.form-card textarea{
  width:100%;padding:.7rem .85rem;border:2px solid var(--border);border-radius:10px;
  font:inherit;background:#fff;color:var(--ink);min-height:48px
}
.form-card textarea{min-height:120px;resize:vertical}
.form-card input:focus,.form-card select:focus,.form-card textarea:focus{
  border-color:var(--teal);outline:none;box-shadow:0 0 0 3px rgba(15,92,99,.15)
}
.form-hint{font-size:.9rem;color:var(--muted);margin:.3rem 0 0}

.cta{background:var(--navy);color:#fff;text-align:center}
.cta h2{color:#fff}
.cta p{max-width:40rem;margin-left:auto;margin-right:auto}
.cta .actions{justify-content:center}

dl.info{margin:0}
dl.info dt{font-weight:700;color:var(--navy);margin-top:.9rem}
dl.info dd{margin:0}

.pill-row{display:flex;flex-wrap:wrap;gap:.5rem;margin:1rem 0}
.pill{background:var(--teal-l);color:var(--teal);border-radius:999px;padding:.35rem .8rem;font-size:.85rem;font-weight:700}

footer{background:#0d2333;color:#e6eef2;padding:2.2rem 0 1.6rem;font-size:.9rem}
footer a{color:#bfe6e2}
footer .cols{display:grid;grid-template-columns:2fr 1.2fr 1fr;gap:1.8rem}
footer strong{color:#fff}
footer nav ul{flex-direction:column;gap:.25rem}
footer nav a{color:#bfe6e2;padding:.2rem 0;font-size:.9rem}
footer nav a:hover{background:transparent;color:#fff}
.disclaimer{border-top:1px solid #34506a;margin-top:1.3rem;padding-top:1rem;color:#c5d4dc}
.muted{color:var(--muted)}

@media (max-width:900px){
  html{font-size:18px}
  .hero .wrap,.split,.grid2,.grid3,.grid4,.price,footer .cols{grid-template-columns:1fr}
  .hero{padding:2rem 0}
  .top{justify-content:center}
  nav{width:100%}
  nav ul{justify-content:center}
  .hero .actions .btn,.cta .actions .btn{width:100%}
  header{position:static}
}
@media (min-width:901px){
  .top{flex-wrap:nowrap}
}

/* ---- Nov 5 polish ---- */
/* Contrast notes: navy #14324a on white ≈ 12:1; teal #0f5c63 on white ≈ 7.4:1; white on teal/navy passes AA; accent #c8692b used only for focus rings/large text. */
.btn-ghost{background:transparent;color:#fff;border-color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.prose{max-width:46rem}
.prose h2{margin-top:1.6rem}
details.faq{background:#fff;border:1px solid var(--border);border-radius:12px;margin:.7rem 0;padding:0 1.1rem}
details.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:.9rem 0;min-height:48px}
details.faq p{margin:0 0 1rem}
footer nav a{min-height:32px}
@media (max-width:1100px){nav a{padding:.4rem .4rem;font-size:.78rem}.top{gap:.5rem}}
@media (max-width:900px){nav a{padding:.6rem .7rem;font-size:.9rem;min-height:44px}}