:root{
 --ink:#171717;--ink-soft:#2b2b2b;--muted:#626262;--paper:#fff;--white:#fff;
 --black:#101010;--charcoal:#1b1b1b;--graphite:#2a2a2a;--grey:#4a4a4a;
 --gold:#c8a24a;--gold-bright:#d6b45a;--gold-pale:#f7f0df;--gold-soft:#fbf8ef;
 --line:#dedbd3;--line-dark:#3a3a3a;--max:1080px;--gutter:24px;--radius:16px;
 --shadow:0 16px 40px rgba(0,0,0,.10)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.68;overflow-x:hidden}
h1,h2,h3,h4,p{overflow-wrap:break-word}
img,svg{max-width:100%;height:auto}
a{color:inherit;text-decoration:none}
a:hover{opacity:.84}
.wrap{width:min(var(--max),calc(100% - 48px));margin-inline:auto}
.top{background:var(--black);color:#ddd;font-size:10px;letter-spacing:.14em;text-transform:uppercase;padding:8px 0}
.top .wrap{display:flex;justify-content:space-between;gap:20px}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.header .wrap{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{font-weight:900;letter-spacing:.08em;white-space:nowrap;color:var(--black)}
.brand small{font-size:10px;font-weight:700;letter-spacing:.15em;margin-left:6px;color:var(--gold)}
.nav{display:flex;align-items:center;gap:1px;font-size:12px;font-weight:700}
.nav-group{position:relative}
.nav-trigger,.nav-link{display:inline-flex;align-items:center;gap:5px;padding:10px 8px;border:0;background:transparent;color:var(--ink);font:inherit;font-size:12px;font-weight:700;white-space:nowrap;cursor:pointer}
.nav-trigger:after{content:"⌄";font-size:9px;color:#777}
.nav-menu{position:absolute;top:calc(100% + 7px);left:0;width:276px;padding:8px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(-4px);transition:.15s;z-index:100}
.nav-group:hover .nav-menu,.nav-group:focus-within .nav-menu,.nav-group.open .nav-menu{opacity:1;visibility:visible;transform:none}
.nav-menu a{display:block;padding:10px 11px;border-radius:8px;font-size:12px;font-weight:700;line-height:1.35}
.nav-menu a:hover{background:var(--gold-soft);opacity:1}
.menu-label{display:block;padding:7px 11px 5px;font-size:9px;letter-spacing:.14em;text-transform:uppercase;color:#777;font-weight:800}
.btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--gold);padding:10px 17px;border-radius:999px;font-weight:800;font-size:12px;background:var(--gold);color:#111 !important;transition:.15s;text-decoration:none}
.btn:hover{opacity:1;transform:translateY(-1px);box-shadow:0 7px 18px rgba(0,0,0,.12)}
.btn.dark{background:var(--black);color:#fff !important;border-color:var(--black)}
.btn.gold{background:var(--gold);color:#111 !important;border-color:var(--gold)}
.btn.light{background:#fff;color:#111 !important;border-color:#fff}
.dark .btn{background:var(--gold);color:#111 !important;border-color:var(--gold)}
.dark .btn.dark{background:#fff;color:#111 !important;border-color:#fff}
.hero .btn{background:var(--gold);color:#111 !important;border-color:var(--gold)}
.hero .btn.dark{background:#fff;color:#111 !important;border-color:#fff}
.pagehero .btn{background:var(--gold);color:#111 !important;border-color:var(--gold)}
.pagehero .btn.dark{background:#fff;color:#111 !important;border-color:#fff}
.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:9px;padding:9px 12px;font-weight:800}
.mobile-nav{display:none;background:#fff;border-bottom:1px solid var(--line)}
.skip-link{position:fixed;left:15px;top:-60px;z-index:1000;background:var(--gold);color:#111;padding:9px 13px;border-radius:9px;font-weight:800}
.skip-link:focus{top:15px;opacity:1}
main{min-width:0}
.hero,.pagehero{border-bottom:1px solid var(--line);position:relative;overflow:hidden}
.hero{padding:82px 0 76px;background:linear-gradient(135deg,var(--black) 0%,var(--charcoal) 70%,#333 100%);color:#fff}
.pagehero{padding:54px 0 50px;background:linear-gradient(135deg,var(--black) 0%,var(--charcoal) 72%,#303030 100%);color:#fff;border-bottom-color:var(--line-dark)}
.hero h1,.pagehero h1{font-size:clamp(42px,5.2vw,66px);line-height:1.03;letter-spacing:-.045em;margin:15px 0 19px;max-width:800px}
.pagehero h1{max-width:780px}
.hero h1 span,.pagehero h1 span,h2 span{font-weight:400}
.eyebrow,.kicker{font-size:10px;letter-spacing:.17em;text-transform:uppercase;font-weight:850;color:var(--gold)}
.hero .eyebrow{color:var(--gold-bright)}
.lede{font-size:18px;color:#4d4d4d;max-width:710px;margin:0}
.hero .lede{color:#e4e4e4}
.breadcrumbs{font-size:11px;color:#bdbdbd;margin-bottom:20px}.pagehero .breadcrumbs a{color:#e7e7e7}.pagehero .lede{color:#dedede}.pagehero .kicker,.pagehero .eyebrow{color:var(--gold-bright)}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:25px}
.section{padding:68px 0;border-bottom:1px solid var(--line)}
.section.alt{background:#fff}
.section.dark{background:var(--charcoal);color:#f5f5f5;border-bottom-color:var(--line-dark)}
.section.sage{background:var(--gold-soft)}
.two{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:58px;align-items:start}
.section h2,.two h2{font-size:clamp(30px,3.7vw,48px);line-height:1.08;letter-spacing:-.04em;margin:10px 0 18px}
.large{font-size:20px;line-height:1.52;margin-top:0}
.copy{color:var(--muted);max-width:720px}
.dark .copy{color:#d0d0d0}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:27px}
.card{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:var(--radius);padding:23px;min-height:220px;display:flex;flex-direction:column;transition:.15s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);opacity:1}
.dark .card{background:var(--graphite);color:#fff;border-color:#444}
.num{font-size:10px;color:#777;font-weight:850;letter-spacing:.14em}
.dark .num{color:var(--gold-bright)}
.card h3{font-size:19px;line-height:1.2;margin:17px 0 8px}
.card p{color:var(--muted);font-size:14px;margin:0}
.dark .card p{color:#d1d1d1}
.card .arrow{margin-top:auto;padding-top:17px;font-size:12px;font-weight:800;color:#8a6b1f}
.dark .card .arrow{color:var(--gold-bright)}
.feature-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:25px}
.feature{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:15px;padding:21px}
.feature h3{margin:0 0 7px;font-size:17px}
.feature p{margin:0;color:var(--muted);font-size:14px}
.dark .feature{background:var(--graphite);color:#fff;border-color:#444}
.dark .feature p{color:#d1d1d1}
.content{padding:60px 0}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:48px;align-items:start}
.content-grid>div{min-width:0;max-width:760px}
.content h2{font-size:31px;line-height:1.12;margin:0 0 15px}
.content h3{font-size:20px;margin:30px 0 7px}
.content p,.content li{font-size:16px}
.content ul{padding-left:20px}
.sidebar{position:sticky;top:90px;height:max-content;background:#fff;border:1px solid var(--line);border-radius:15px;padding:19px}
.sidebar h3{margin:0 0 7px;font-size:16px}
.sidebar a{display:block;padding:10px 0;border-bottom:1px solid var(--line);font-size:12px;font-weight:760}
.sidebar .small{font-size:12px;color:var(--muted);line-height:1.55}
.callout{background:var(--black);color:#fff;border-radius:19px;padding:28px;margin:34px 0}
.callout h3{margin-top:0;color:#fff}
.callout p{color:#d2d2d2}
.steps{display:grid;gap:0;margin:24px 0}
.step{display:grid;grid-template-columns:52px 1fr;gap:15px;border-top:1px solid var(--line);padding:19px 0}
.step:last-child{border-bottom:1px solid var(--line)}
.step .num{font-size:15px;color:#8a6b1f}
.faq{border-top:1px solid var(--line);margin-top:25px}
.faq details{border-bottom:1px solid var(--line);padding:15px 0}
.faq summary{cursor:pointer;font-weight:760}
.band{padding:17px 0;background:var(--gold-soft);border-bottom:1px solid #e7d7ad}
.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px}
.pills{display:flex;flex-wrap:wrap;gap:7px;margin-top:17px}
.pill{background:#fff;border:1px solid #d7c28d;border-radius:999px;padding:6px 10px;font-size:11px;font-weight:780}
.portal-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px}
.portal-card{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:15px;padding:19px}
.portal-card h3{font-size:16px;margin:0 0 6px}
.portal-card p{margin:0;color:var(--muted);font-size:13px}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:13px;background:#fff}
.table{width:100%;border-collapse:collapse;min-width:580px}
.table th,.table td{padding:12px;border-bottom:1px solid var(--line);text-align:left;font-size:13px}
.table th{background:#f1f1f1}
.notice{background:var(--gold-soft);border:1px solid #e1ce9c;padding:15px;border-radius:12px;color:#5f4c20;font-size:14px}
.resource-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.resource{background:#fff;border:1px solid var(--line);border-radius:15px;padding:21px}
.resource h3{margin:0 0 7px;font-size:17px}
.resource p{margin:0;color:var(--muted);font-size:14px}
.mini-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.mini{border-top:2px solid var(--gold);padding:15px 0}
.mini h3{margin:0 0 6px;font-size:17px}
.mini p{font-size:13px;color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:28px}
.form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px}
.form label{display:block;font-size:12px;font-weight:800;margin:12px 0 5px}
.form input,.form textarea,.form select{width:100%;padding:11px 12px;border:1px solid #cfcfcf;border-radius:9px;font:inherit;background:#fff;color:#171717}
.form textarea{min-height:125px}
.cta{padding:62px 0;background:var(--gold-soft)}
.cta h2{font-size:clamp(32px,4.2vw,54px);line-height:1.07;margin:8px 0 11px;letter-spacing:-.044em}
.cta p{color:#555;max-width:680px}
.footer{background:var(--black);color:#ddd;padding:44px 0}
.footer .wrap{display:grid;grid-template-columns:1.55fr 1fr 1fr 1fr;gap:28px}
.footer h4{margin:0 0 10px;font-size:11px;text-transform:uppercase;letter-spacing:.12em;color:var(--gold-bright)}
.footer a{display:block;color:#ddd;font-size:12px;padding:3px 0}
.footer p{color:#aaa;font-size:12px;margin:7px 0;max-width:330px}
.copyright{border-top:1px solid #333;margin-top:26px;padding-top:18px;color:#888;font-size:11px}
.hero-visual{position:absolute;right:-130px;top:35px;width:390px;height:390px;border:1px solid rgba(214,180,90,.5);border-radius:50%;opacity:.65}
.hero-visual:before,.hero-visual:after{content:"";position:absolute;border:1px solid rgba(214,180,90,.45);border-radius:50%}
.hero-visual:before{inset:52px}.hero-visual:after{inset:112px}
.ai-answer{margin-top:32px;padding:22px 24px;background:#f6f6f6;border-left:4px solid var(--gold);border-radius:0 12px 12px 0}
.ai-answer h2{font-size:22px;margin:0 0 8px}
.ai-answer p{margin:0;color:#3f3f3f;max-width:820px}
.ai-faq{margin-top:36px}
.ai-faq h2{font-size:28px;margin-bottom:10px}
@media(max-width:1120px){.nav-trigger,.nav-link{padding-inline:6px}.nav .btn{padding-inline:13px}.footer .wrap{grid-template-columns:1.3fr 1fr 1fr 1fr}}
@media(max-width:1000px){.nav{display:none}.menu-toggle{display:inline-flex}.header .wrap{min-height:66px}.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.portal-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.wrap{width:calc(100% - 32px)}.top{display:none}.hero{padding:60px 0 54px}.pagehero{padding:43px 0 40px}.hero h1,.pagehero h1{font-size:clamp(38px,10.5vw,49px)}.lede{font-size:17px}.section{padding:52px 0}.two,.content-grid,.contact-grid{grid-template-columns:1fr;gap:28px}.content{padding:45px 0}.sidebar{position:static}.feature-grid,.resource-list,.mini-grid{grid-template-columns:1fr}.band .wrap{flex-direction:column;align-items:flex-start}.footer .wrap{grid-template-columns:1fr}.hero-visual{display:none}.mobile-nav{padding:11px 0}.mobile-nav.open{display:block}.mobile-nav a{display:block;padding:10px 2px;border-bottom:1px solid var(--line);font-size:14px;font-weight:750}.mobile-nav .btn{margin-top:11px;width:100%}}
@media(max-width:500px){.cards,.portal-grid{grid-template-columns:1fr}.actions .btn{width:100%}.card{min-height:0}}

/* V10: black + charcoal + graphite rhythm and explicit button contrast */
main > .section:nth-of-type(3n){background:var(--charcoal);color:#f5f5f5;border-bottom-color:var(--line-dark)}
main > .section:nth-of-type(3n) .copy{color:#d0d0d0}
main > .section:nth-of-type(3n) .large{color:#f1f1f1}
main > .section:nth-of-type(3n) .feature{background:var(--graphite);color:#fff;border-color:#444}
main > .section:nth-of-type(3n) .feature p{color:#d1d1d1}
main > .section:nth-of-type(3n) .card{background:#242424;color:#fff;border-color:#454545}
main > .section:nth-of-type(3n) .card p{color:#d1d1d1}
main > .section:nth-of-type(3n) h2,main > .section:nth-of-type(3n) h3{color:#fff}
main > .section:nth-of-type(3n) .mini{background:#242424;color:#fff;border-color:#454545}
main > .section:nth-of-type(3n) .mini p{color:#d1d1d1}


/* Global button contrast safety
   Primary actions are gold with near-black text.
   Dark variants are charcoal/black with white text.
   No button may inherit white text on a white background. */
a.btn,
button.btn,
input.btn {
  color:#111 !important;
  background:var(--gold) !important;
  border-color:var(--gold) !important;
  text-decoration:none !important;
}
a.btn.dark,
button.btn.dark,
input.btn.dark {
  color:#fff !important;
  background:var(--black) !important;
  border-color:var(--black) !important;
}
a.btn.light,
button.btn.light,
input.btn.light {
  color:#111 !important;
  background:#fff !important;
  border-color:#fff !important;
}
.dark a.btn:not(.dark):not(.light),
.dark button.btn:not(.dark):not(.light) {
  color:#111 !important;
  background:var(--gold) !important;
  border-color:var(--gold) !important;
}