:root{
  --sage:#7A8F6E; --sage-d:#55684B; --sage-l:#E7ECE2;
  --cream:#F7F2EA; --cream-d:#EFE6D8; --paper:#FFFDF9;
  --terra:#B35A3B; --terra-l:#F3E1D8; --blue:#2F5D82; --cta:#1E73C8; --cta-d:#175DA3; --blue-l:#E6EEF5; --ink:#2E2B28; --ink-2:#5E5852; --line:#E2D8C8;
  --r:18px; --shadow:0 10px 30px rgba(46,43,40,.08);
}
*{box-sizing:border-box}
body{margin:0;background:var(--cream);color:var(--ink);font:400 18px/1.65 "Nunito Sans",system-ui,-apple-system,Segoe UI,sans-serif;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{font-family:Fraunces,Georgia,serif;font-weight:600;line-height:1.15;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(32px,4.4vw,50px)} h2{font-size:clamp(26px,3.2vw,38px)} h3{font-size:22px}
p{margin:0 0 1em} a{color:var(--blue)}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
section{padding:72px 0}
.center{text-align:center}
.eyebrow{font-weight:800;font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:var(--sage-d);margin-bottom:10px}
.lead{font-size:20px;color:var(--ink-2);max-width:720px}
.center .lead{margin-left:auto;margin-right:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--cta);color:#fff;font-weight:800;font-size:19px;text-decoration:none;border-radius:14px;padding:16px 32px;box-shadow:0 8px 20px rgba(30,115,200,.30);transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px);background:var(--cta-d)}
.btn.ghost{background:transparent;color:var(--ink);box-shadow:none;border:2px solid var(--ink)}

.bar{background:#111111;color:#fff;text-align:center;font-weight:700;font-size:15px;padding:9px 12px}
.bar b{color:#FFD400;letter-spacing:.04em}
header.site{background:var(--paper);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;gap:24px;height:68px}
.logo{font-family:Fraunces,Georgia,serif;font-size:28px;font-weight:600;color:var(--ink);text-decoration:none}
.logo span{color:var(--sage)}
.mainnav{display:flex;gap:22px;margin-left:auto}
.mainnav a{color:var(--ink);text-decoration:none;font-weight:700;font-size:16px}
.hdr-cta{font-weight:800;text-decoration:none;color:#fff;background:var(--cta);border-radius:10px;padding:8px 16px;font-size:16px}

footer.site{background:var(--ink);color:#CFC8BF;padding:48px 0 40px;font-size:15px}
footer.site .logo{color:#fff}
footer.site a{color:#EDE6DC;text-decoration:none}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;margin-bottom:24px}
.fgrid b{display:block;color:#fff;margin-bottom:8px}
.fgrid div a{display:block;margin:4px 0}
.fine{font-size:13px;color:#A9A198;max-width:860px}

/* home */
.home-hero{position:relative;color:#fff;min-height:560px;display:flex;align-items:flex-end;background:#2E2B28}
.home-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.92}
.home-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,0,0,0) 30%,rgba(30,26,22,.75))}
.home-hero .wrap{position:relative;z-index:1;padding-bottom:56px;width:100%}
.home-hero h1{color:#fff;max-width:760px}
.home-hero p{font-size:21px;max-width:640px;color:#F3EEE6}
.tiles{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:28px}
.tile{display:block;text-decoration:none;color:var(--ink);background:var(--paper);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}
.tile img{aspect-ratio:4/3;object-fit:cover;width:100%}
.tile span{display:block;padding:12px 14px;font-weight:800}
.tile small{display:block;font-weight:700;color:var(--blue);font-size:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split img{border-radius:var(--r);box-shadow:var(--shadow)}
.paper{background:var(--paper)}
.ticks{list-style:none;padding:0;margin:0 0 24px}
.ticks li{padding:6px 0 6px 30px;position:relative}
.ticks li:before{content:"✓";position:absolute;left:0;color:var(--sage-d);font-weight:800}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
.three div{background:var(--paper);border-radius:var(--r);padding:22px;box-shadow:var(--shadow)}
.three b{display:block;font-family:Fraunces,Georgia,serif;font-size:21px;margin-bottom:6px}
.three div{border:1px solid var(--line)}
.three .stars{display:block;color:#D9A21B;letter-spacing:2px;margin-bottom:6px}
.promise .ic{width:46px;height:46px;border-radius:50%;background:var(--blue-l);color:var(--blue);display:grid;place-items:center;margin-bottom:12px}
.promise .ic svg{width:24px;height:24px}
.quote-big{font-family:Fraunces,Georgia,serif;font-size:clamp(22px,2.6vw,30px);line-height:1.35;max-width:820px;margin:0 auto 10px}

/* policy pages */
.page-head{background:var(--paper);border-bottom:1px solid var(--line);padding:48px 0 32px}
.policy h2{font-size:26px;margin-top:1.6em}
.policy ul{padding-left:22px}
.policy li{margin:6px 0}
.box{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:22px 24px;margin:22px 0}

@media (max-width:900px){
  .mainnav{display:none}
  .hdr-cta{margin-left:auto}
  .tiles{grid-template-columns:repeat(2,1fr)}
  .split,.three{grid-template-columns:1fr;gap:26px}
  .fgrid{grid-template-columns:1fr 1fr}
  section{padding:52px 0}
  .home-hero{min-height:480px}
}
@media (max-width:560px){
  body{font-size:17px}
  .wrap{padding:0 16px}
  .fgrid{grid-template-columns:1fr}
}