/* Layout: ledger-like page. Navy bands carry the big statements, paper bands carry the detail; gold only on actions and rules. */
:root{
  --paper:#f7f6f2; --paper-2:#eceae2; --ink:#14203a; --ink-soft:#4a5468;
  --navy:#0f1d3d; --navy-2:#1a2b52; --on-navy:#f3efe3; --on-navy-soft:#b9bfd0;
  --gold:#c99a2e; --gold-ink:#7a5a12; --line:#d8d4c7; --ok:#2f6b4f;
  --f-display:"Young Serif", Georgia, "Times New Roman", serif;
  --f-body:"Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-mono:"IBM Plex Mono", ui-monospace, Menlo, monospace;
  color-scheme:light;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --paper:#0e1526; --paper-2:#141d33; --ink:#ebe8df; --ink-soft:#a7aec0;
  --navy:#08101f; --navy-2:#111b33; --on-navy:#f3efe3; --on-navy-soft:#a9b0c4;
  --gold:#ddb24c; --gold-ink:#e7c46e; --line:#29334d; --ok:#6fc29a; color-scheme:dark}}
:root[data-theme="dark"]{
  --paper:#0e1526; --paper-2:#141d33; --ink:#ebe8df; --ink-soft:#a7aec0;
  --navy:#08101f; --navy-2:#111b33; --on-navy:#f3efe3; --on-navy-soft:#a9b0c4;
  --gold:#ddb24c; --gold-ink:#e7c46e; --line:#29334d; --ok:#6fc29a; color-scheme:dark}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--paper);color:var(--ink);font:400 1rem/1.6 var(--f-body)}
a{color:inherit}
h1,h2,h3{font-family:var(--f-display);font-weight:400;line-height:1.12;text-wrap:balance;margin:0}
h2{font-size:clamp(1.7rem,3.6vw,2.5rem)}
h3{font-size:1.25rem}
p{margin:0;max-width:65ch}
.wrap{max-width:1120px;margin:0 auto;padding-inline:20px}
.band{padding-block:clamp(56px,8vw,96px)}
.band.navy{background:var(--navy);color:var(--on-navy)}
.band.tint{background:var(--paper-2)}
.eyebrow{font:500 .75rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.navy .eyebrow{color:var(--gold)}
.lead{font-size:1.125rem;color:var(--ink-soft)}
.navy .lead{color:var(--on-navy-soft)}
.stack{display:grid;gap:16px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:4px;font:600 1rem/1 var(--f-body);text-decoration:none;border:1.5px solid transparent;cursor:pointer}
.btn-gold{background:var(--gold);color:#14203a}
.btn-gold:hover{filter:brightness(1.07)}
.btn-line{border-color:currentColor;background:transparent;color:inherit}
.btn-line:hover{background:color-mix(in srgb,currentColor 8%,transparent)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* announcement + nav */
.announce{background:var(--gold);color:#14203a;font-size:.9rem;padding-block:9px}
.announce .wrap{display:flex;flex-wrap:wrap;gap:6px 14px;justify-content:center;align-items:center}
.announce a{font-weight:700}
header.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--navy);color:var(--on-navy);border-bottom:1px solid color-mix(in srgb,var(--gold) 35%,transparent)}
header.nav .wrap{display:flex;align-items:center;gap:20px;padding-block:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--f-display);font-size:1.2rem}
.brand .mark{width:30px;height:30px;border:1.5px solid var(--gold);display:grid;place-items:center;font-size:.95rem;color:var(--gold);transform:rotate(45deg)}
.brand .mark span{transform:rotate(-45deg)}
.brand .logo{height:40px;width:auto;display:block}
.photo{position:relative;margin:0;padding:0 12px 12px 0}
.photo::before{content:"";position:absolute;inset:12px 0 0 12px;border:1.5px solid var(--gold);border-radius:6px}
.photo .ph{position:relative;border-radius:6px;overflow:hidden;background:#0f1d3d}
.photo .shot{display:block;width:100%;height:auto;max-width:100%}
.photo .ph::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,29,61,0) 45%,rgba(15,29,61,.88) 100%)}
.photo .badge{position:absolute;top:14px;left:14px;z-index:1;display:flex;align-items:center;gap:8px;background:rgba(15,29,61,.82);color:#f3efe3;padding:7px 12px 7px 9px;border-radius:3px;font:500 .7rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase}
.photo .badge img{height:22px;width:auto;display:block}
.photo figcaption{position:absolute;left:0;right:12px;bottom:12px;z-index:1;padding:clamp(16px,3vw,28px);color:#f3efe3;display:grid;gap:4px}
.photo figcaption b{font-family:var(--f-display);font-weight:400;font-size:clamp(1.15rem,2.4vw,1.6rem);line-height:1.2;text-wrap:balance}
.photo figcaption span{font-size:.88rem;color:#d9c79b}

.navlinks{display:flex;gap:22px;margin-left:auto;font-size:.95rem}
.navlinks a{text-decoration:none;color:var(--on-navy-soft)}
.navlinks a:hover{color:var(--on-navy)}
header .btn{padding:10px 16px;font-size:.92rem}
@media (max-width:820px){.navlinks{display:none} header .btn{margin-left:auto}}

/* hero */
.hero{background:var(--navy);color:var(--on-navy);padding-block:clamp(56px,9vw,104px) 0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:end}
.hero h1{font-size:clamp(2.4rem,6.2vw,4.4rem)}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .sub{font-size:1.2rem;color:var(--on-navy-soft);margin-top:20px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.card-license{background:var(--paper);color:var(--ink);border-radius:6px 6px 0 0;padding:26px 26px 30px;font-size:.92rem;position:relative}
.card-license::before{content:"";position:absolute;inset:10px;border:1px dashed var(--line);border-radius:3px;pointer-events:none}
.card-license .row{display:flex;justify-content:space-between;gap:12px;padding-block:9px;border-bottom:1px solid var(--line);position:relative}
.card-license .row:last-child{border-bottom:0}
.card-license dt{color:var(--ink-soft)}
.card-license dd{margin:0;font-weight:600;text-align:right}
.card-license .ttl{font:500 .72rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:10px;position:relative}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}}

/* facts strip */
.facts{border-top:1px solid color-mix(in srgb,var(--gold) 40%,transparent);background:var(--navy-2);color:var(--on-navy)}
.facts .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.fact{padding:22px 18px;border-left:1px solid color-mix(in srgb,var(--on-navy) 12%,transparent)}
.fact:first-child{border-left:0;padding-left:0}
.fact b{display:block;font-family:var(--f-display);font-weight:400;font-size:1.35rem;color:var(--gold)}
.fact span{font-size:.88rem;color:var(--on-navy-soft)}
@media (max-width:760px){.facts .wrap{grid-template-columns:1fr 1fr}.fact:nth-child(3){border-left:0;padding-left:0}.fact{border-top:1px solid color-mix(in srgb,var(--on-navy) 12%,transparent)}}

/* intro split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
@media (max-width:820px){.split{grid-template-columns:1fr;gap:28px}}

/* compare table */
.tablebox{overflow-x:auto;margin-top:36px;border:1px solid var(--line);border-radius:6px;background:var(--paper)}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:.98rem}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line)}
thead th{font:500 .75rem/1 var(--f-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft);background:var(--paper-2)}
thead th.us{color:var(--gold-ink)}
td.c{text-align:center;width:22%}
th.c{text-align:center}
tr:last-child td{border-bottom:0}
.yes{color:var(--ok);font-weight:700}
.no{color:var(--ink-soft)}
.fitline{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;margin-top:28px}

/* what it looks like */
.grid4{display:grid;grid-template-columns:repeat(2,1fr);gap:0;margin-top:40px;border-top:1px solid var(--line)}
.item{padding:28px 28px 28px 0;border-bottom:1px solid var(--line);display:grid;gap:10px}
.item:nth-child(odd){border-right:1px solid var(--line)}
.item:nth-child(even){padding-left:28px}
.item p{color:var(--ink-soft)}
@media (max-width:760px){.grid4{grid-template-columns:1fr}.item:nth-child(odd){border-right:0}.item:nth-child(even){padding-left:0}}

/* timeline */
.steps{list-style:none;margin:40px 0 0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:0;counter-reset:s}
.steps li{position:relative;padding:0 18px 0 0;display:grid;gap:8px;align-content:start}
.steps li::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold);font-family:var(--f-display);font-size:1.1rem;background:var(--navy);position:relative;z-index:1}
.steps li::after{content:"";position:absolute;top:20px;left:40px;right:0;height:1px;background:color-mix(in srgb,var(--gold) 45%,transparent)}
.steps li:last-child::after{display:none}
.steps h3{font-size:1.08rem;margin-top:8px}
.steps p{font-size:.92rem;color:var(--on-navy-soft)}
.steps .t{font:500 .72rem/1.3 var(--f-mono);letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}
@media (max-width:900px){.steps{grid-template-columns:1fr;gap:22px}.steps li{grid-template-columns:40px 1fr;column-gap:16px;padding:0}.steps li>*{grid-column:2}.steps li::before{grid-row:1/span 3;grid-column:1}.steps li::after{top:40px;left:20px;width:1px;height:calc(100% - 18px);right:auto}.steps h3{margin-top:0}}
.note{font-size:.88rem;color:var(--on-navy-soft);margin-top:28px}

/* session */
.session{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center;background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:clamp(24px,4vw,44px)}
.agenda{list-style:none;margin:0;padding:0;display:grid;gap:0;border-top:1px solid var(--line)}
.agenda li{display:grid;grid-template-columns:64px 1fr;gap:12px;padding-block:12px;border-bottom:1px solid var(--line);font-size:.95rem}
.agenda .m{font:500 .8rem/1.6 var(--f-mono);color:var(--gold-ink);font-variant-numeric:tabular-nums}
@media (max-width:820px){.session{grid-template-columns:1fr}}

/* why */
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:40px}
.why div{display:grid;gap:8px;align-content:start;border-top:2px solid var(--gold);padding-top:16px}
.why p{color:var(--on-navy-soft);font-size:.95rem}
@media (max-width:900px){.why{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.why{grid-template-columns:1fr}}
.quote{margin-top:56px;display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:start;max-width:820px}
.quote .q{font-family:var(--f-display);font-size:4rem;line-height:.8;color:var(--gold)}
.quote blockquote{margin:0;font-family:var(--f-display);font-size:clamp(1.25rem,2.4vw,1.6rem);line-height:1.35}
.quote cite{display:block;margin-top:14px;font:400 .95rem/1.4 var(--f-body);font-style:normal;color:var(--on-navy-soft)}

/* apply */
.apply{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:start}
@media (max-width:900px){.apply{grid-template-columns:1fr}}
form{background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:clamp(20px,3.5vw,36px);display:grid;gap:18px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:560px){.two{grid-template-columns:1fr}}
label{display:grid;gap:6px;font-weight:600;font-size:.92rem;min-width:0}
input,select,textarea{font:inherit;font-weight:400;padding:11px 12px;border:1px solid var(--line);border-radius:4px;background:var(--paper);color:var(--ink);width:100%}
textarea{min-height:92px;resize:vertical}
fieldset{border:0;margin:0;padding:0;display:grid;gap:8px}
legend{font-weight:600;font-size:.92rem;margin-bottom:6px;padding:0}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips label{display:inline-flex;align-items:center;gap:8px;font-weight:500;border:1px solid var(--line);border-radius:999px;padding:8px 14px;cursor:pointer}
.chips input{width:auto;margin:0;accent-color:var(--gold)}
.chips label:has(input:checked){border-color:var(--gold);background:color-mix(in srgb,var(--gold) 14%,transparent)}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.85rem;color:var(--ink-soft)}
.consent input{width:auto;margin-top:4px;accent-color:var(--gold)}
.err{color:#b3261e;font-size:.88rem;font-weight:500}
.checklist{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}
.checklist li{display:grid;grid-template-columns:22px 1fr;gap:10px}
.checklist li::before{content:"✓";color:var(--ok);font-weight:700}
.done{background:var(--paper);border:1.5px solid var(--gold);border-radius:6px;padding:clamp(22px,3.5vw,36px);display:grid;gap:16px}
.summary{font:500 .85rem/1.55 var(--f-mono);background:var(--paper-2);border-radius:4px;padding:14px;white-space:pre-wrap;overflow-wrap:anywhere}

/* faq */
.faq{margin-top:36px;border-top:1px solid var(--line)}
details{border-bottom:1px solid var(--line)}
summary{cursor:pointer;list-style:none;padding:20px 40px 20px 0;font-weight:600;font-size:1.05rem;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:16px;font-family:var(--f-display);font-size:1.5rem;color:var(--gold-ink)}
details[open] summary::after{content:"–"}
details p{padding-bottom:20px;color:var(--ink-soft)}

footer{background:var(--navy);color:var(--on-navy-soft);font-size:.85rem;padding-block:48px}
footer .top{display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between;align-items:center;padding-bottom:28px;border-bottom:1px solid color-mix(in srgb,var(--on-navy) 14%,transparent);color:var(--on-navy)}
footer .legal{display:grid;gap:10px;margin-top:24px;max-width:85ch}