:root{--navy:#082538;--deep:#051a29;--ink:#142e3c;--teal:#146a6b;--copper:#cf7650;--copper-light:#e8a17e;--paper:#fafaf7;--sand:#f0ede6;--line:#d9e1dc}
    *{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:"DM Sans",sans-serif;font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}.wrap{width:min(1180px,calc(100% - 64px));margin:auto}
    .notice{height:35px;background:var(--deep);color:rgba(255,255,255,.7);font-size:11px;letter-spacing:.04em}.notice .wrap{height:100%;display:flex;align-items:center;gap:8px}.dot{width:5px;height:5px;border-radius:50%;background:var(--copper)}
    header{position:sticky;top:0;z-index:10;background:rgba(250,250,247,.94);border-bottom:1px solid rgba(20,46,60,.08);backdrop-filter:blur(14px)}.nav{height:83px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px}.mark{display:flex;align-items:center;justify-content:center;position:relative;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font:21px Georgia}.mark small{position:absolute;right:-3px;top:-4px;display:flex;align-items:center;justify-content:center;width:15px;height:15px;border:2px solid var(--paper);border-radius:50%;background:var(--paper);color:var(--copper);font:8px Arial}.wordmark{display:flex;flex-direction:column;line-height:1.02}.wordmark strong{font-size:16px;color:var(--navy)}.wordmark span{margin-top:4px;color:var(--teal);font-size:9px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.links{display:flex;gap:30px;margin-left:auto}.links a{position:relative;color:#49616a;font-size:12px;font-weight:600;transition:color .2s,transform .2s}.links a:after{content:"";position:absolute;left:0;right:0;bottom:-9px;height:2px;background:var(--copper);transform:scaleX(0);transform-origin:right;transition:transform .25s}.links a:hover{color:var(--teal);transform:translateY(-1px)}.links a:hover:after{transform:scaleX(1);transform-origin:left}.login{font-size:12px;font-weight:700;color:var(--navy)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:46px;padding:0 20px;border-radius:2px;border:1px solid transparent;font-size:12px;font-weight:700;transition:transform .2s,box-shadow .2s,background .2s}.btn:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(9,35,52,.15)}.btn:active{transform:scale(.97)}.dark{background:var(--navy);color:#fff}.copper{background:var(--copper);color:#fff}.copper:hover{background:#b9613e}.menu{display:none;border:0;background:none;color:var(--navy);font-size:24px}
    .hero{position:relative;min-height:665px;display:flex;align-items:center;overflow:hidden;background:var(--navy);color:#fff}.hero-bg,.hero-shade{position:absolute;inset:0}.hero-bg{background:url('images/home-trust-hero.jpg') center/cover}.hero-shade{background:linear-gradient(90deg,rgba(4,26,41,.98),rgba(4,29,44,.86) 36%,rgba(4,29,44,.16) 79%,rgba(4,29,44,.3))}.hero-content{position:relative;z-index:1}.hero-copy{max-width:580px;padding:55px 0 75px}.eyebrow{display:flex;align-items:center;gap:9px;margin:0 0 20px;font-size:10px;font-weight:700;letter-spacing:.17em;text-transform:uppercase}.eyebrow i{display:inline-block;width:21px;height:1px;background:currentColor}.light{color:#d3b9a7}.hero h1{max-width:590px;margin:0;font:400 clamp(57px,7.1vw,92px)/.97 "DM Serif Display",Georgia,serif;letter-spacing:-.055em}.hero em,.headline em{color:var(--copper-light)}.hero p:not(.eyebrow){max-width:375px;margin:28px 0 31px;color:rgba(255,255,255,.72);font-size:16px}.hero-actions{display:flex;gap:24px;align-items:center}.text-link{display:inline-flex;align-items:center;gap:7px;border-bottom:1px solid currentColor;padding-bottom:3px;font-size:12px;font-weight:700;transition:gap .2s,color .2s}.text-link:hover{gap:10px;color:var(--copper)}.text-link.light-link{color:#f4e5da}.scroll{position:absolute;right:32px;bottom:25px;display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.6);font-size:9px;letter-spacing:.16em;text-transform:uppercase}.scroll span{display:flex;align-items:center;justify-content:center;width:29px;height:29px;border:1px solid rgba(255,255,255,.4);border-radius:50%;transform:rotate(90deg)}
    .belief{position:relative;overflow:hidden;padding:112px 0 125px}.belief:before{content:"";position:absolute;right:-120px;top:-185px;width:430px;height:430px;border:1px solid rgba(20,106,107,.12);border-radius:50%;box-shadow:0 0 0 25px rgba(20,106,107,.025),0 0 0 56px rgba(20,106,107,.02)}.kicker{position:relative;z-index:1;display:flex;align-items:center;gap:11px;margin-bottom:28px;color:#8b9892;font-size:10px;font-weight:700;letter-spacing:.13em;text-transform:uppercase}.kicker:before{content:"";width:45px;height:1px;background:#cad3ce}.belief-head{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .72fr;align-items:center;gap:78px}.headline h2{margin:0;color:var(--navy);font:400 clamp(48px,5.4vw,76px)/.98 "DM Serif Display",Georgia,serif;letter-spacing:-.06em}.headline h2 span{color:var(--teal)}.headline p{max-width:525px;margin:28px 0 23px;color:#607078;font-size:16px;line-height:1.7}.belief-photo{position:relative;overflow:hidden;min-height:235px}.belief-photo img{display:block;width:100%;height:235px;object-fit:cover;transition:transform .6s}.belief-photo:hover img{transform:scale(1.05)}.belief-photo span{position:absolute;right:15px;bottom:14px;padding:9px 11px;background:rgba(8,37,56,.84);color:rgba(255,255,255,.72);font-size:9px;line-height:1.4;letter-spacing:.1em;text-transform:uppercase}.belief-photo strong{color:#f0b99f;font-size:10px;letter-spacing:0;text-transform:none}.belief-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.14fr 1fr 1fr;gap:14px;margin-top:48px}.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s cubic-bezier(.23,1,.32,1),transform .7s cubic-bezier(.23,1,.32,1)}.reveal.show{opacity:1;transform:none}.belief-card{position:relative;min-height:285px;display:flex;flex-direction:column;padding:21px;border:1px solid var(--line);background:#fff;transition:transform .3s,box-shadow .3s,border-color .3s}.belief-card:before{content:"";position:absolute;left:0;top:0;width:0;height:3px;background:var(--copper);transition:width .3s}.belief-card:hover{border-color:#c3d6ce;transform:translateY(-8px);box-shadow:0 20px 38px rgba(20,46,60,.09)}.belief-card:hover:before{width:100%}.belief-card.dark-card{background:var(--navy);color:#fff;border-color:var(--navy)}.belief-card.dark-card:before{background:var(--copper-light)}.icon{display:flex;align-items:center;justify-content:center;width:40px;height:40px;border:1px solid rgba(20,106,107,.28);border-radius:50%;color:var(--teal);font-size:19px}.dark-card .icon{border-color:rgba(232,161,126,.45);color:var(--copper-light)}.label{margin-top:19px;color:var(--teal);font-size:9px;font-weight:700;letter-spacing:.13em;text-transform:uppercase}.dark-card .label{color:#e6b39c}.belief-card h3{margin:9px 0 0;color:var(--navy);font:400 28px/1.02 "DM Serif Display",Georgia,serif;letter-spacing:-.05em}.belief-card h3 em{color:var(--teal)}.dark-card h3{color:#fff}.dark-card h3 em{color:var(--copper-light)}.belief-card p{max-width:275px;margin:13px 0 0;color:#6d7a7d;font-size:12px;line-height:1.65}.dark-card p{color:rgba(255,255,255,.66)}.card-link{display:inline-flex;align-items:center;gap:7px;margin-top:auto;padding-top:18px;color:var(--navy);font-size:10px;font-weight:700}.card-link:hover{color:var(--copper)}.dark-card .card-link{color:#f4d0bd}
    .section{padding:105px 0 120px;background:var(--sand)}.heading{display:flex;align-items:flex-end;justify-content:space-between;gap:50px;margin-bottom:54px}.heading h2,.dark-section h2,.cta h2{margin:0;color:var(--navy);font:400 clamp(44px,4.8vw,68px)/1.02 "DM Serif Display",Georgia,serif;letter-spacing:-.055em}.heading h2 em{color:var(--teal)}.heading p{max-width:270px;margin:0 0 7px;color:#6a7778;font-size:13px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.card{min-height:300px;display:flex;flex-direction:column;padding:25px;border:1px solid rgba(20,46,60,.12);background:rgba(255,255,255,.55);transition:.25s}.card:hover{background:#fff;transform:translateY(-6px);box-shadow:0 18px 38px rgba(20,46,60,.08)}.card h3{margin:42px 0 0;color:var(--navy);font:400 30px/1.02 "DM Serif Display",Georgia,serif;letter-spacing:-.045em}.card p{margin:15px 0 0;color:#6a7778;font-size:13px}.card a{margin-top:auto;padding-top:22px;color:var(--teal);font-size:11px;font-weight:700}
    .calculator{padding:100px 0;background:var(--deep);color:#fff}.calc{display:grid;grid-template-columns:1fr 1.15fr;gap:45px;padding:52px 56px 28px;background:linear-gradient(135deg,#0d4150,#082538 68%);border:1px solid rgba(216,238,234,.17)}.calc h2{margin:0;color:#fff;font:400 clamp(39px,4vw,58px)/1.02 "DM Serif Display",Georgia,serif;letter-spacing:-.055em}.calc h2 em{color:var(--copper-light)}.calc-intro p:last-child{max-width:340px;color:rgba(255,255,255,.6);font-size:13px}.field{padding-bottom:18px;border-bottom:1px solid rgba(216,238,234,.18)}.field-head{display:flex;justify-content:space-between;color:rgba(255,255,255,.7);font-size:11px}.field output{color:#fff;font-size:15px;font-weight:700}input[type=range]{display:block;width:100%;margin:15px 0 0;accent-color:var(--copper-light)}.range{display:flex;justify-content:space-between;color:rgba(255,255,255,.4);font-size:9px}.result{grid-column:1/-1;display:flex;align-items:flex-end;justify-content:space-between;gap:20px;border-top:1px solid rgba(216,238,234,.18);padding-top:22px}.result label,.result small{display:block;color:rgba(255,255,255,.55);font-size:10px;text-transform:uppercase;letter-spacing:.08em}.result strong{display:block;margin:3px 0;color:#fff;font:400 38px/1 "DM Serif Display",Georgia,serif}.breakdown{display:flex;gap:28px;color:rgba(255,255,255,.55);font-size:10px}.breakdown b{display:block;color:#fff;font-size:13px}.note{grid-column:1/-1;color:rgba(255,255,255,.35);font-size:10px}
    .dark-section{padding:110px 0;background:var(--navy);color:#fff}.dark-section h2{color:#fff}.dark-section h2 em{color:var(--copper-light)}.dark-section p{max-width:520px;color:rgba(255,255,255,.68);font-size:15px}.dark-inner{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.checks{display:grid;gap:12px;color:#e4ece9;font-size:12px}.checks span{display:flex;gap:10px;align-items:center}.checks b{color:var(--copper-light)}
    .cta{padding:100px 0;background:var(--teal);color:#fff}.cta h2{color:#fff}.cta h2 em{color:#f2c0a6}.cta-inner{display:flex;align-items:flex-end;justify-content:space-between;gap:50px}.cta-actions{display:flex;flex-direction:column;gap:18px;align-items:flex-start}
    footer{background:var(--deep);color:rgba(255,255,255,.7);padding:58px 0 0}.footer-top{display:flex;justify-content:space-between;gap:70px;padding-bottom:55px}.footer-copy p{color:rgba(255,255,255,.48);font:19px/1.2 "DM Serif Display",Georgia,serif}.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:60px}.footer-links div{display:flex;flex-direction:column;gap:9px}.footer-links b{color:#e5b39d;font-size:9px;letter-spacing:.17em;text-transform:uppercase}.footer-links a{font-size:11px;color:rgba(255,255,255,.59)}.footer-bottom{border-top:1px solid rgba(255,255,255,.11);min-height:56px;display:flex;align-items:center;justify-content:space-between;font-size:10px;color:rgba(255,255,255,.38)}.footer-bottom span:last-child{display:flex;gap:18px}
    @media(max-width:900px){.wrap{width:min(100% - 40px,680px)}.links,.login,.nav>.dark{display:none}.menu{display:block;margin-left:auto}.nav{height:73px}.hero{min-height:640px}.hero h1{font-size:56px}.belief-head,.dark-inner{grid-template-columns:1fr;gap:32px}.belief-photo{max-width:520px}.belief-grid,.cards{grid-template-columns:1fr;gap:12px}.belief-card,.card{min-height:250px}.heading,.cta-inner{align-items:flex-start;flex-direction:column;gap:25px}.calc{grid-template-columns:1fr;padding:36px 27px 25px}.result{flex-wrap:wrap}.breakdown{margin-left:auto}.footer-top{flex-direction:column;gap:35px}.footer-links{gap:25px}}
    @media(max-width:540px){.wrap{width:calc(100% - 34px)}.hero-copy{padding:35px 0 80px}.hero h1{font-size:55px}.hero-actions{align-items:flex-start;flex-direction:column;gap:18px}.belief{padding:78px 0 86px}.headline h2,.heading h2,.dark-section h2,.cta h2{font-size:46px}.belief-photo,.belief-photo img{min-height:220px;height:220px}.calc{padding:30px 19px 24px}.result strong{font-size:32px}.breakdown{width:100%;margin-left:0;gap:18px}.footer-links{grid-template-columns:repeat(2,1fr)}.footer-links div:last-child{grid-column:span 2}.footer-bottom{align-items:flex-start;flex-direction:column;gap:12px;padding:20px 0}.footer-bottom span:last-child{order:2}}
    @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}}

/* Reference-style inner pages */
.inner-hero{padding:110px 0 120px;background:var(--navy);color:#fff}.inner-hero.short{padding:85px 0 92px}.inner-hero h1{max-width:740px;margin:0;font:400 clamp(52px,6vw,82px)/.98 "DM Serif Display",Georgia,serif;letter-spacing:-.055em}.inner-hero h1 em{color:var(--copper-light)}.inner-hero p:last-child{max-width:520px;margin:28px 0 0;color:rgba(255,255,255,.7);font-size:16px}.info-section{padding:110px 0 120px;background:var(--paper)}.info-section.sand{background:var(--sand)}.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.info-card{display:flex;flex-direction:column;min-height:395px;padding:0 0 23px;border:1px solid var(--line);background:#fff;transition:.25s}.info-card:hover{transform:translateY(-7px);box-shadow:0 18px 36px rgba(20,46,60,.1)}.info-card img{width:100%;height:190px;object-fit:cover}.info-card h3,.info-card p,.info-card span,.info-card a{margin-left:24px;margin-right:24px}.info-card h3{margin-top:23px;margin-bottom:6px;color:var(--navy);font:400 31px/1.05 "DM Serif Display",Georgia,serif}.info-card p{margin-top:0;color:#6a7778;font-size:13px}.info-card span,.info-card a{margin-top:auto;color:var(--teal);font-size:11px;font-weight:700}.story{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:start}.story h2,.contact-story h2{margin:0;color:var(--navy);font:400 clamp(45px,5vw,69px)/1 "DM Serif Display",Georgia,serif;letter-spacing:-.055em}.story h2 em,.contact-story h2 em{color:var(--teal)}.story>div:last-child p,.story>p{max-width:500px;margin:0 0 20px;color:#65757a;font-size:15px;line-height:1.75}.values{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.values>div{padding:25px;border-top:3px solid var(--copper);background:#fff}.values b{color:var(--navy);font:400 26px/1.05 "DM Serif Display",Georgia,serif}.values p{margin:14px 0 0;color:#6a7778;font-size:13px}.contact-section{padding:105px 0 120px;background:var(--paper)}.contact-cards .plain{min-height:240px;padding:25px}.plain>b{color:var(--copper);font-size:24px}.plain h3{margin:18px 0 7px}.plain p{margin:0 0 18px}.plain a{margin:0;color:var(--teal)}.contact-story{margin-top:90px;padding-top:50px;border-top:1px solid var(--line)}.contact-story>p{margin-top:8px}@media(max-width:900px){.inner-hero{padding:80px 0 90px}.info-grid,.values{grid-template-columns:1fr}.info-card{min-height:300px}.story{grid-template-columns:1fr;gap:30px}.links.open{position:absolute;left:0;right:0;top:73px;display:flex;flex-direction:column;gap:0;padding:15px 20px;background:var(--paper);box-shadow:0 12px 20px rgba(0,0,0,.08)}.links.open a{padding:10px 0}.links.open a:after{display:none}}

.auth-page{min-height:100vh;background:linear-gradient(135deg,var(--navy),var(--teal));padding:55px 20px}.auth-wrap{max-width:480px;margin:auto}.auth-wrap>.brand{width:max-content;margin:0 auto 35px}.auth-wrap .wordmark strong{color:#fff}.auth-wrap .wordmark span{color:#b7ddce}.auth-wrap .mark{background:#f1f4ef;color:var(--navy)}.auth-wrap .mark small{background:var(--navy);border-color:var(--navy)}.auth-card{padding:38px;background:var(--paper);box-shadow:0 20px 60px rgba(0,0,0,.2)}.auth-card h1{margin:0;color:var(--navy);font:400 52px/1 "DM Serif Display",Georgia,serif;letter-spacing:-.055em}.auth-card h1 em{color:var(--teal)}.auth-card>p:not(.eyebrow){color:#6a7778;font-size:13px}.auth-card form{display:grid;gap:16px;margin:28px 0 20px}.auth-card label{display:grid;gap:6px;color:var(--navy);font-size:11px;font-weight:700}.auth-card input{width:100%;height:44px;padding:0 12px;border:1px solid #d7e1dc;background:#fff;color:var(--ink);font:inherit;outline-color:var(--teal)}.auth-card form .btn{width:100%;margin-top:4px}.auth-card .text-link{color:var(--teal)}.back{display:block;margin-top:35px;color:#849397;font-size:11px}.auth-card .eyebrow{margin-bottom:17px}@media(max-width:540px){.auth-page{padding:30px 17px}.auth-card{padding:28px 22px}.auth-card h1{font-size:45px}}

.page-image{display:block;width:100%;max-width:520px;height:245px;object-fit:cover;margin:0 0 22px}.page-cards{margin-top:70px}.page-cards .plain{min-height:240px;padding:24px}.page-cards .plain h3{margin:18px 0 7px}.page-cards .plain p{margin:0 0 18px}.page-cards .plain a{margin:0;color:var(--teal)}

/* Final mobile navigation and responsive refinements */
@media (max-width:900px){
  header{position:sticky;top:0}
  .nav{position:relative}
  .menu{display:flex!important;align-items:center;justify-content:center;width:42px;height:42px;margin-left:auto;padding:0;border:1px solid rgba(20,46,60,.16);border-radius:3px;background:transparent;font-size:24px;line-height:1;cursor:pointer}
  .links{display:none!important;position:absolute;z-index:20;left:0;right:0;top:73px;margin:0;padding:10px 20px 16px;flex-direction:column;gap:0;background:rgba(250,250,247,.98);border-top:1px solid var(--line);box-shadow:0 14px 24px rgba(8,37,56,.12)}
  .links.open{display:flex!important}
  .links a{padding:13px 0;border-bottom:1px solid rgba(20,46,60,.08);font-size:13px}
  .links a:last-child{border-bottom:0}
  .links a:after{display:none}
  .hero{min-height:620px}
  .hero-copy{padding-top:70px}
  .belief-head,.story{grid-template-columns:1fr;gap:30px}
  .belief-photo,.belief-photo img,.page-image{max-width:100%;height:240px;min-height:0}
  .belief-grid,.info-grid,.values,.cards{grid-template-columns:1fr;gap:12px}
  .belief-card,.card,.info-card{min-height:250px}
  .heading,.cta-inner{align-items:flex-start;flex-direction:column;gap:25px}
  .calc{grid-template-columns:1fr;padding:36px 27px 25px}
  .dark-inner{grid-template-columns:1fr;gap:45px}
  .inner-hero{padding:82px 0 90px}
  .inner-hero h1{font-size:58px}
  .info-section,.contact-section{padding:78px 0 88px}
  .story h2,.contact-story h2{font-size:52px}
  .page-cards{margin-top:45px}
  .footer-top{flex-direction:column;gap:35px}
  .footer-links{gap:25px}
}
@media (max-width:540px){
  .wrap{width:calc(100% - 34px)}
  .notice{height:auto;min-height:35px;padding:8px 0}
  .nav{height:68px}
  .links{top:68px}
  .hero{min-height:610px}
  .hero h1{font-size:53px}
  .hero-copy{padding:48px 0 80px}
  .hero-actions{align-items:flex-start;flex-direction:column;gap:18px}
  .belief{padding:78px 0 86px}
  .headline h2,.heading h2,.dark-section h2,.cta h2{font-size:46px}
  .headline p,.inner-hero p:last-child{font-size:14px}
  .belief-photo,.belief-photo img,.page-image{height:205px}
  .calc{padding:30px 19px 24px}
  .result{align-items:flex-start;flex-direction:column}
  .breakdown{width:100%;margin-left:0;gap:18px}
  .footer-links{grid-template-columns:repeat(2,1fr)}
  .footer-links div:last-child{grid-column:span 2}
  .footer-bottom{align-items:flex-start;flex-direction:column;gap:12px;padding:20px 0}
  .footer-bottom span:last-child{order:2}
  .inner-hero h1{font-size:48px}
  .story h2,.contact-story h2{font-size:46px}
}