:root{--ink:#3a311a;--ink2:#746c58;--bg:#f4f5f2;--panel:#ffffff;--line:#e3e2dd;--tint:#f0eeea;--accent:#112540;--cta:#112540;--cta2:#5b6e2b;--font-display:'Playfair Display',Georgia,serif;--font-body:'Work Sans',system-ui,-apple-system,sans-serif;}
body{background:#f4f5f2;font-family:var(--font-body)} h1,h2,h3{font-family:var(--font-display)}

body{background:#f4f5f2}
h1{font-size:clamp(34px,6vw,66px);font-weight:700;letter-spacing:-.02em}
.btn{border-radius:999px;padding:15px 30px;font-weight:700;box-shadow:0 10px 24px -10px #11254088}
.btn--primary{background:#112540;color:#fff} .btn--secondary{background:#fff;border:2px solid #11254055;color:#3a311a}
.card,.checkcard,.stat,.step,.infocard,.review,.tablewrap,.map-embed,.applyform,.answer-block,.callout{border-radius:28px;border:1px solid #e3e2dd;box-shadow:0 16px 40px -20px #3a311a33;background:#fff}
.answer-block{background:#f0eeea;border-left:none;border-radius:28px}
.hero--bg,.hero--bg.hero--gradient{background:radial-gradient(900px 460px at 80% -10%,#11254033,transparent),linear-gradient(135deg,#3a311a,#5b6e2b);border-radius:0 0 40px 40px}
.hero--split,.hero--centered,.hero--statband,.hero--editorial{background:#f4f5f2}
.hero--split .hero__imgwrap img{border-radius:32px;box-shadow:0 30px 60px -24px #3a311a44}
.section{padding:clamp(52px,8vw,96px) 0}
.picon{border-radius:999px;background:#11254022;width:52px;height:52px}
.faq__q{border:1px solid #e3e2dd;border-radius:20px;margin-top:10px;background:#fff} .faq__a{padding:2px 18px 16px}
.ptable{border-radius:24px} .ptable thead th{background:#11254022}
.nav__link{border-radius:999px} .nav__link:hover{background:#11254022}
.ctaband{background:linear-gradient(135deg,#3a311a,#5b6e2b);border-radius:40px 40px 0 0} .ftr{background:#3a311a}
.logo__img{height:36px} .mediabadge{border-radius:16px} .mediabadge img{height:26px}

/* ===== design-director recipe addendum ===== */
.hdr--t-elevated{background:#ffffff;backdrop-filter:none;border-bottom:none;box-shadow:0 6px 22px -12px color-mix(in srgb,#3a311a 26%,transparent)}
.mega__grid--3{grid-template-columns:repeat(3,1fr)} .mega__grid--4{grid-template-columns:repeat(4,1fr)}
/* promo-split: bigger accent promo */
.mega--promosplit .mega__wrap{grid-template-columns:1fr 300px}
.mega__promo--big{background:linear-gradient(160deg,#3a311a,color-mix(in srgb,#3a311a 62%,#112540));padding:24px;justify-content:center}
.mega__promo--big h4{font-size:22px}
/* featured-visual: photo panel */
.mega--visual .mega__wrap--vis{display:grid;grid-template-columns:1fr 300px;gap:22px;align-items:stretch}
.mega__photo{position:relative;border-radius:2px;overflow:hidden;min-height:230px}
.mega__photo img{width:100%;height:100%;object-fit:cover}
.mega__photocap{position:absolute;left:0;right:0;bottom:0;padding:16px;background:linear-gradient(0deg,color-mix(in srgb,#3a311a 82%,transparent),transparent);color:#fff;display:flex;flex-direction:column;gap:8px;align-items:flex-start}
.mega__photocap b{font-family:var(--font-display);font-size:18px}
/* content-rich: icon + name + descriptor */
.mega__rich{display:flex;gap:10px;align-items:center;padding:8px 10px;border-radius:10px}
.mega__rich:hover{background:#f0eeea}
.mega__rich .mega__ic svg{width:20px;height:20px}
.mega__rich .mega__rt{display:flex;flex-direction:column;line-height:1.2}
.mega__rich .mega__rt b{font-size:14px;color:var(--ink)} .mega__rich .mega__rt em{font-style:normal;font-size:11.5px;color:var(--ink2)}
/* spotlight-cards */
.mega__cardgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.mega__card{display:flex;flex-direction:column;gap:4px;padding:14px;border:1px solid #e3e2dd;border-radius:2px;background:#fff}
.mega__card:hover{border-color:color-mix(in srgb,#112540 55%,#e3e2dd);box-shadow:0 10px 24px -16px color-mix(in srgb,#3a311a 40%,transparent)}
.mega__card .mega__ic svg{width:24px;height:24px;margin-bottom:2px}
.mega__card b{font-size:13.5px} .mega__card span{font-size:11.5px;color:var(--ink2);line-height:1.35}
/* minimal-list */
.mega--minimal{padding:22px} .mega--minimal .mega__viewall{display:inline-block;margin:12px 2px;color:#5b6e2b;font-weight:600;font-size:14px}
.mega--minimal .mega__indrow{display:flex;flex-wrap:wrap;gap:6px 16px;border-top:1px solid #e3e2dd;padding-top:12px}
.mega--minimal .mega__ind{font-size:12.5px;color:var(--ink2)} .mega--minimal .mega__ind:hover{color:#5b6e2b}
/* wide-3col */
.mega--wide3 .mega__3col{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.mega--wide3 .mega__col .mega__link,.mega--wide3 .mega__col a{display:flex;align-items:center;gap:8px;padding:6px 8px;border-radius:8px;font-size:13.5px}
/* stacked-sections */
.mega--stacked .mega__sec{margin-bottom:14px} .mega--stacked .mega__sec h4{margin-bottom:8px}
.mega--stacked .mega__bar{display:flex;align-items:center;justify-content:space-between;gap:16px;background:#f0eeea;border-radius:2px;padding:12px 18px}
.mega--stacked .mega__bar span{font-size:13.5px;color:var(--ink2)}
@media(max-width:1024px){.mega--visual .mega__wrap--vis,.mega--promosplit .mega__wrap{grid-template-columns:1fr}.mega__photo,.mega__promo--big{display:none}.mega__cardgrid,.mega--wide3 .mega__3col{grid-template-columns:1fr 1fr}}
.card{position:relative;display:block}
.card__ic{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;margin-bottom:12px;
  background:linear-gradient(145deg,#11254033,#11254014);box-shadow:inset 0 0 0 1px #1125402e;color:#5b6e2b}
.card--chip{border:1px solid #e3e2dd;background:#fff;padding:22px}
.card--tint{border:none;background:#f0eeea;padding:24px;text-align:center}
.card--tint .card__ic--c{margin-left:auto;margin-right:auto}
.card--row{display:flex;align-items:center;gap:14px;border:none;border-left:3px solid #112540;
  background:#fff;padding:18px 18px;border-radius:0 2px 2px 0;box-shadow:0 10px 26px -20px #3a311a55}
.card--row .card__ic{margin-bottom:0;flex:0 0 auto} .card--row .card__rowbody{flex:1}
.card--row h3{margin:0 0 2px} .card--row p{margin:0}
.card--row .card__chev{font-size:26px;color:#5b6e2b;line-height:1}
.card--num{border:1px solid #e3e2dd;background:#fff;padding:24px 22px}
.card--num .card__num{font-family:var(--font-display);font-size:30px;color:#112540;display:block;margin-bottom:6px}
.card--tile{border:1px solid #e3e2dd;background:linear-gradient(180deg,#fff,#f0eeea);padding:26px;overflow:hidden}
.card--tile .card__wm{position:absolute;right:-10px;top:-8px;opacity:.10;transform:scale(2.6);color:#3a311a}
.card--twotone{border:1px solid #e3e2dd;background:#fff;overflow:hidden;padding:0}
.card--twotone .card__head{display:flex;align-items:center;gap:10px;background:#3a311a;color:#fff;padding:16px 20px}
.card--twotone .card__head h3{color:#fff;margin:0} .card--twotone .card__head svg{color:#112540}
.card--twotone .card__body{padding:16px 20px}
.card__more{color:#5b6e2b;font-weight:600;font-size:14px;display:inline-block;margin-top:10px}

.ctable--stacked{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.ctable__cap{grid-column:1/-1;font-family:var(--font-display);font-size:22px;color:var(--ink);margin:0 0 4px}
.ctable__card{border:1px solid #e3e2dd;border-radius:2px;background:#fff;padding:18px 20px}
.ctable__card h3{margin:0 0 10px} .ctable__dl{margin:0}
.ctable__dl>div{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-top:1px solid #e3e2dd}
.ctable__dl dt{color:var(--ink2);font-size:13px} .ctable__dl dd{margin:0;font-weight:600;text-align:right}
@media(max-width:640px){.ctable--stacked{grid-template-columns:1fr}}
.ftr--mega .ftr__grid--mega{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px}
.ftr--compact .ftr__grid--compact{display:grid;grid-template-columns:1.6fr 1fr;gap:40px}
.ftr--compact .ftr__links{display:flex;flex-direction:column}
.ftr--centered .ftr__center{text-align:center;padding-bottom:8px}
.ftr--centered .ftr__row{display:flex;flex-wrap:wrap;gap:6px 22px;justify-content:center}
.ftr--centered .ftr__row a{display:inline;padding:2px 0}
.ftr--ctaleft .ftr__grid--split{display:grid;grid-template-columns:1.2fr 2fr;gap:40px}
.ftr--ctaleft .ftr__cols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.ftr--columns .ftr__grid--cols{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.ftr--columns .ftr__grid--cols>div{border-top:3px solid #112540;padding-top:16px}
@media(max-width:900px){.ftr__grid--mega,.ftr__grid--compact,.ftr__grid--split,.ftr__grid--cols{grid-template-columns:1fr 1fr!important}.ftr--ctaleft .ftr__cols{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.ftr__grid--mega,.ftr__grid--compact,.ftr__grid--split,.ftr__grid--cols,.ftr--ctaleft .ftr__cols{grid-template-columns:1fr!important}}
/* new footer structures */
.ftr--sitemap .ftr__brandrow{margin-bottom:22px;border-bottom:1px solid #26314a;padding-bottom:20px}
.ftr--sitemap .ftr__grid--sitemap{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.ftr--stackedcenter .ftr__stack{display:flex;flex-direction:column;align-items:center;text-align:center}
.ftr--stackedcenter .ftr__row{display:flex;flex-wrap:wrap;gap:6px 20px;justify-content:center} .ftr--stackedcenter .ftr__row a{display:inline;padding:2px 0}
.ftr--sidebarbrand .ftr__grid--sidebar{display:grid;grid-template-columns:1fr 2fr;gap:40px}
.ftr--sidebarbrand .ftr__side{border-right:1px solid #26314a;padding-right:26px} .ftr--sidebarbrand .ftr__side{border-left:3px solid #112540;padding-left:18px}
.ftr--sidebarbrand .ftr__sidecols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.ftr--cards .ftr__cardgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:16px}
.ftr--cards .ftr__card{background:rgba(255,255,255,.04);border:1px solid #2a3550;border-radius:14px;padding:20px}
.ftr--minimal .ftr{padding:0} .ftr--minimal .ftr__min{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.ftr--minimal .ftr__row{display:flex;flex-wrap:wrap;gap:6px 16px} .ftr--minimal .ftr__row a{display:inline;padding:0}
.ftr--minimal .ftr__nap{font-size:13px;color:#8a93a8}
@media(max-width:900px){.ftr__grid--sitemap,.ftr__grid--sidebar,.ftr__cardgrid{grid-template-columns:1fr 1fr!important}.ftr--sidebarbrand .ftr__side{border-right:none}.ftr--sidebarbrand .ftr__sidecols{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.ftr__grid--sitemap,.ftr__grid--sidebar,.ftr__cardgrid,.ftr--sidebarbrand .ftr__sidecols{grid-template-columns:1fr!important}}
/* footer TREATMENT skins (dark ground kept - AA holds) */
.ftr--t-accent-top{border-top:3px solid #112540}
.ftr--t-gradient{background:linear-gradient(180deg,#3a311a,color-mix(in srgb,#3a311a 76%,#112540))}
.ftr--t-two-tier .ftr__legal{background:rgba(0,0,0,.28);border-top:1px solid #2a3550;margin-top:26px;padding:20px 0 0}
.ftr--t-texture-dots{background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);background-size:20px 20px}
.ftr--t-card-panel>.container{background:rgba(255,255,255,.03);border:1px solid #2a3550;border-radius:18px;padding:30px 32px}
.ftr--t-diagonal-top{clip-path:polygon(0 22px,100% 0,100% 100%,0 100%);padding-top:64px}
.ftr--t-hairline{background:color-mix(in srgb,#3a311a 94%,#000)} .ftr--t-hairline .ftr__legal{border-top:1px solid #202a40}
.ftr--t-duo-split{background:linear-gradient(90deg,#3a311a 52%,color-mix(in srgb,#3a311a 68%,#112540) 52%)}
.ftr--t-elevated{box-shadow:0 -14px 34px -20px rgba(0,0,0,.7);border-top:1px solid color-mix(in srgb,#112540 32%,transparent)}
.hero--collage .hero__collage{display:grid;grid-template-columns:1fr 1fr;grid-template-rows:1fr 1fr;
  gap:12px;position:relative}
.hero--collage .hero__cmain{grid-row:1/3}
.hero--collage .hero__collage img{width:100%;height:100%;object-fit:cover;border-radius:2px}
.hero--collage .hero__cmain img{min-height:260px}
@media(max-width:640px){.hero--collage .hero__collage{grid-template-columns:1fr 1fr;grid-template-rows:auto}.hero--collage .hero__cmain{grid-row:auto;grid-column:1/3}}
.hero--imgleft .hero__grid{grid-template-columns:.95fr 1.05fr}
.hero--diagonal .hero__imgwrap img{clip-path:polygon(10% 0,100% 0,100% 100%,0 100%)}
.hero--diagonal .hero__imgwrap::before{content:"";position:absolute;left:-4%;top:8%;bottom:8%;width:34%;
  background:linear-gradient(135deg,#112540,#5b6e2b);border-radius:2px;opacity:.16;z-index:0}
.hero--overlay{padding:0;position:relative}
.hero--overlay .hero__photo{position:relative;height:clamp(300px,40vw,500px);overflow:hidden}
.hero--overlay .hero__photo img{width:100%;height:100%;object-fit:cover}
.hero--overlay .hero__photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent,color-mix(in srgb,#3a311a 30%,transparent))}
.hero--overlay .container{position:relative}
.hero--overlay .hero__ocard{background:#fff;border:1px solid #e3e2dd;border-radius:2px;
  box-shadow:0 30px 60px -28px color-mix(in srgb,#3a311a 55%,transparent);padding:clamp(24px,3vw,40px);
  max-width:640px;margin:-120px 0 0;position:relative;z-index:2}
.hero--overlay .hero__ocard .trust{border-top-color:#e3e2dd}
@media(max-width:640px){.hero--overlay .hero__ocard{margin-top:-70px}}
.hero{contain:paint}
.hero::before{content:"";position:absolute;inset:-25% -12%;z-index:0;pointer-events:none;
  background:radial-gradient(closest-side,color-mix(in srgb,#112540 24%,transparent),transparent 72%) 19% 27%/42% 57% no-repeat,
    radial-gradient(closest-side,color-mix(in srgb,#3a311a 16%,transparent),transparent 72%) 90% 11%/55% 59% no-repeat,
    radial-gradient(closest-side,color-mix(in srgb,#5b6e2b 18%,transparent),transparent 72%) 79% 89%/49% 57% no-repeat;
  filter:blur(39px);opacity:.8;animation:heroAurora 30s ease-in-out infinite alternate}
@keyframes heroAurora{from{transform:translate3d(-2%,-1%,0) scale(1.02)}to{transform:translate3d(3%,2%,0) scale(1.09)}}
.hero--bg::before{mix-blend-mode:screen;opacity:.55}
@media(prefers-reduced-motion:reduce){.hero::before{animation:none}}
@media(max-width:640px){.hero::before{filter:blur(26px)}}
/* shaded */
.hero:not(.hero--bg).hero--t-shaded{background:radial-gradient(900px 460px at 82% -12%,color-mix(in srgb,#112540 13%,transparent),transparent 60%),#f4f5f2}
.hero--t-shaded .hero__imgwrap img,.hero--t-shaded .hero__photo{box-shadow:0 34px 64px -28px color-mix(in srgb,#3a311a 55%,transparent)}
/* tech */
.hero:not(.hero--bg).hero--t-tech{background-image:linear-gradient(color-mix(in srgb,#746c58 6%,transparent) 1px,transparent 1px),linear-gradient(90deg,color-mix(in srgb,#746c58 6%,transparent) 1px,transparent 1px);background-size:30px 30px;background-color:#f4f5f2}
.hero--t-tech .eyebrow{font-family:var(--font-body);letter-spacing:.28em;font-weight:700}
.hero--t-tech .eyebrow::before{width:26px;height:2px;background:#112540}
.hero--bg.hero--t-tech::after{background:linear-gradient(115deg,color-mix(in srgb,#3a311a 92%,#000),color-mix(in srgb,#3a311a 70%,transparent)),repeating-linear-gradient(90deg,transparent 0 29px,rgba(255,255,255,.04) 29px 30px)}
/* banking */
.hero:not(.hero--bg).hero--t-banking{background:repeating-linear-gradient(90deg,transparent 0 84px,color-mix(in srgb,#746c58 4%,transparent) 84px 85px),#f4f5f2}
.hero--t-banking .hero__imgwrap img,.hero--t-banking .hero__ocard,.hero--t-banking .hero__stripimg img{border-top:3px solid #112540}
.hero--t-banking h1{font-family:var(--font-display)}
/* duotone media */
.hero--t-duotone .hero__imgwrap,.hero--t-duotone .hero__photo,.hero--t-duotone .hero__cmain,.hero--t-duotone .hero__csmall{position:relative}
.hero--t-duotone .hero__imgwrap img,.hero--t-duotone .hero__photo img,.hero--t-duotone .hero__collage img,.hero--t-duotone .hero__stripimg img{filter:grayscale(1) contrast(1.04)}
.hero--t-duotone .hero__imgwrap::after,.hero--t-duotone .hero__photo::after,.hero--t-duotone .hero__cmain::after,.hero--t-duotone .hero__csmall::after{content:"";position:absolute;inset:0;border-radius:inherit;background:linear-gradient(140deg,color-mix(in srgb,#3a311a 62%,transparent),color-mix(in srgb,#112540 52%,transparent));mix-blend-mode:screen;pointer-events:none}
/* minimal */
.hero:not(.hero--bg).hero--t-minimal{background:#fff}
.hero--t-minimal .hero__imgwrap img,.hero--t-minimal .hero__photo img{box-shadow:none;border:1px solid #e3e2dd}
.hero--t-minimal .answer-block{box-shadow:none}
/* warm */
.hero:not(.hero--bg).hero--t-warm{background:linear-gradient(180deg,color-mix(in srgb,#112540 9%,#f4f5f2),#f4f5f2)}
/* bold */
.hero--t-bold .hero__col,.hero--t-bold .hero__inner,.hero--t-bold .hero--editorial>.container,.hero--t-bold .hero__ocard{border-left:5px solid #112540;padding-left:clamp(18px,2vw,26px)}
.hero--t-bold h1{font-weight:700;letter-spacing:-.02em}
/* glass */
.hero--t-glass .hero__ocard,.hero--t-glass .answer-block{backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);background:color-mix(in srgb,#ffffff 72%,transparent);border:1px solid color-mix(in srgb,#ffffff 60%,transparent)}
.hero:not(.hero--bg).hero--t-glass{background:radial-gradient(700px 400px at 88% -8%,color-mix(in srgb,#112540 14%,transparent),transparent 60%),#f4f5f2}
/* editorial-serif */
.hero--t-editorial-serif h1{font-size:clamp(38px,6.2vw,74px);line-height:1.02;letter-spacing:-.015em}
.hero--t-editorial-serif .lead{font-size:clamp(18px,2.1vw,22px)}
/* mesh */
.hero:not(.hero--bg).hero--t-mesh{background:radial-gradient(620px 360px at 4% 0,color-mix(in srgb,#112540 15%,transparent),transparent 55%),radial-gradient(620px 360px at 100% 32%,color-mix(in srgb,#5b6e2b 13%,transparent),transparent 55%),#f4f5f2}
.section--panel{background-image:linear-gradient(#746c580d 1px,transparent 1px),linear-gradient(90deg,#746c580d 1px,transparent 1px);background-size:26px 26px;background-color:#f0eeea}
.nav__link:hover{background:none;box-shadow:inset 0 -2px 0 #112540}
.burger{color:#3a311a}
.faq--tog-arrow .faq__q>svg{display:none} .faq--tog-arrow .faq__q::after{content:'\2192';font-size:20px;line-height:1;color:#112540;margin-left:12px} .faq--tog-arrow .faq__q[aria-expanded=true]::after{content:'\2193'}
/* ===== per-site palette harmonization ===== */
.callout{background:linear-gradient(125deg,#3a311a,color-mix(in srgb,#3a311a 70%,#112540))}
.callout h3{color:#fff} .callout p{color:color-mix(in srgb,#ffffff 84%,#3a311a)}
.callout::before{background:radial-gradient(circle at 30% 30%,color-mix(in srgb,#112540 32%,transparent),transparent 70%)}
.ctaband{background:radial-gradient(779px 323px at 91% -20%,color-mix(in srgb,#112540 22%,transparent),transparent 60%),linear-gradient(121deg,#3a311a,color-mix(in srgb,#3a311a 66%,#112540))}
.ctaband h2{color:#fff} .ctaband .lead{color:color-mix(in srgb,#ffffff 86%,#3a311a)}
/* per-site abstract deco: currentColor -> accent; seed-varied corner/size/rotation so no two match */
.ctaband__deco{color:#112540}
.ctaband__deco .rings{right:-186px;top:-172px;width:617px;height:617px;opacity:.60;transform:rotate(11deg)}
.ctaband--split .ctaband__deco .rings,.ctaband--leftrule .ctaband__deco .rings{right:auto;left:-106px}
.answer-block{border-left-color:#112540}
.eyebrow::before{background:#112540}
.ptable thead th{background:color-mix(in srgb,#112540 9%,transparent);color:#746c58}
.ptable tbody tr:hover{background:color-mix(in srgb,#112540 6%,transparent)}
.ptable tbody th{color:#3a311a}
.step__n{background:linear-gradient(145deg,color-mix(in srgb,#112540 22%,transparent),color-mix(in srgb,#112540 8%,transparent));box-shadow:inset 0 0 0 1px color-mix(in srgb,#112540 20%,transparent);color:#3a311a}
.checks li::before{background:color-mix(in srgb,#112540 18%,transparent)} .checks li::after{border-color:#5b6e2b}
.stat::before,.review::after{background:linear-gradient(180deg,#112540,transparent)}
.review::before{color:#112540} .card__more,.dirlink,.mapcap a,.crumbs a,.naprow a{color:#5b6e2b}
.trust b,.stat b,.hero__badge b{color:#3a311a}
.reviews-wrap{overflow:hidden}
.reviews-wrap .rv__disc{font-size:12px;color:#746c58;margin-top:16px}
.rv__card{padding:22px;border-radius:2px;background:var(--panel)}
.rv__stars{color:#112540;letter-spacing:2px;font-size:15px;line-height:1}
.rv__q{margin:10px 0 14px;color:var(--ink);font-size:15px;line-height:1.6}
.rv__who{display:flex;align-items:center;gap:11px}
.rv__id{display:flex;flex-direction:column}
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