:root{
  --bg:#0b0c10; --bg2:#101218; --panel:#151823; --panel2:#1a1e2b;
  --ink:#f5f2ea; --muted:#9ca0ad; --faint:#6b6f7c;
  --gold:#d4af5a; --gold2:#f0d48a; --gold-dim:rgba(212,175,90,.14);
  --maple:#c23b31;
  --line:rgba(255,255,255,.08); --line-gold:rgba(212,175,90,.32);
  --r:18px; --max:1180px;
  --serif:"Cormorant Garamond",Georgia,serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);
  line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.12;margin:0;letter-spacing:.005em}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;letter-spacing:.3em;
  text-transform:uppercase;font-size:.7rem;font-weight:700;color:var(--gold);margin-bottom:14px}
.eyebrow::before{content:"";width:34px;height:1px;background:linear-gradient(90deg,transparent,var(--gold))}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;cursor:pointer;border:0;
  padding:15px 30px;border-radius:999px;font-weight:600;font-size:.93rem;font-family:var(--sans);
  letter-spacing:.02em;transition:transform .18s ease,box-shadow .25s ease,border-color .2s,color .2s}
.btn-gold{background:linear-gradient(135deg,var(--gold2),var(--gold) 55%,#b28c3e);color:#1d1505;
  box-shadow:0 12px 34px rgba(212,175,90,.3)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 44px rgba(212,175,90,.42)}
.btn-ghost{background:rgba(255,255,255,.03);color:var(--ink);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold2)}

/* header */
header{position:sticky;top:0;z-index:90;background:rgba(11,12,16,.9);backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:18px}
.brand{display:flex;align-items:center;gap:13px}
.crest{width:42px;height:42px;flex:0 0 auto}
.brand-t b{display:block;font-family:var(--serif);font-size:1.25rem;font-weight:700;letter-spacing:.03em;line-height:1.1}
.brand-t span{display:block;font-size:.58rem;letter-spacing:.4em;text-transform:uppercase;color:var(--gold);font-weight:700}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{font-size:.88rem;font-weight:500;color:var(--muted);transition:color .2s}
.nav-links a:hover{color:var(--ink)}
.nav-cta{display:flex;gap:14px;align-items:center}
.phone-link{font-weight:700;color:var(--gold2);white-space:nowrap;font-size:.92rem}

/* page hero */
.pg-hero{position:relative;padding:86px 0 74px;overflow:hidden;border-bottom:1px solid var(--line)}
.pg-hero::before{content:"";position:absolute;inset:0;z-index:0;
  background-image:var(--pgimg);background-size:cover;background-position:center 60%;opacity:.30}
.pg-hero::after{content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(90deg,rgba(8,9,13,.93) 0%,rgba(8,9,13,.72) 55%,rgba(8,9,13,.55) 100%),
    linear-gradient(180deg,rgba(8,9,13,.5),rgba(8,9,13,.92))}
.pg-hero .wrap{position:relative;z-index:2}
.pg-hero h1{font-size:clamp(2.3rem,5vw,3.6rem);max-width:16ch}
.pg-hero .lede{color:var(--muted);font-size:1.08rem;max-width:60ch;margin:20px 0 28px}
.crumbs{font-size:.8rem;color:var(--faint);margin-bottom:18px}
.crumbs a{color:var(--muted)}.crumbs a:hover{color:var(--gold2)}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap}

section{padding:72px 0}
.sec+.sec{border-top:1px solid var(--line)}
.prose{max-width:74ch}
.prose p{color:#cfd2da;margin:0 0 18px}
.prose h2{font-size:clamp(1.7rem,3vw,2.3rem);margin:0 0 18px}
.prose h3{font-size:1.22rem;margin:30px 0 10px;color:var(--gold2)}
.prose strong{color:var(--ink)}
.ticks{list-style:none;padding:0;margin:22px 0}
.ticks li{position:relative;padding-left:30px;margin:11px 0;color:#cfd2da}
.ticks li::before{content:"";position:absolute;left:6px;top:.62em;width:8px;height:8px;border-radius:50%;
  background:linear-gradient(135deg,var(--gold2),var(--gold));box-shadow:0 0 0 4px var(--gold-dim)}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.card h3{font-size:1.1rem;margin-bottom:8px;color:var(--gold2)}
.card p{color:var(--muted);font-size:.93rem;margin:0}

.ratebox{background:var(--panel);border:1px solid var(--line-gold);border-radius:var(--r);padding:28px;margin:26px 0}
.ratebox table{width:100%;border-collapse:collapse}
.ratebox th,.ratebox td{text-align:left;padding:11px 8px;border-bottom:1px solid var(--line);font-size:.94rem}
.ratebox th{color:var(--gold);font-weight:600;font-size:.74rem;letter-spacing:.16em;text-transform:uppercase}
.ratebox td:last-child{text-align:right;color:var(--gold2);font-weight:600;white-space:nowrap}
.ratebox tr:last-child td{border-bottom:0}
.note{font-size:.85rem;color:var(--faint);margin-top:14px}

details{background:var(--panel);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden}
details summary{cursor:pointer;padding:18px 22px;font-family:var(--serif);font-size:1.12rem;
  list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";color:var(--gold);font-family:var(--sans);font-size:1.3rem;flex:0 0 auto}
details[open] summary::after{content:"×"}
details .a{padding:0 22px 20px;color:var(--muted);font-size:.95rem}

.cta{background:linear-gradient(135deg,var(--panel2),var(--bg2));border:1px solid var(--line-gold);
  border-radius:22px;padding:44px;text-align:center;margin:14px 0}
.cta h2{font-size:clamp(1.8rem,3.4vw,2.5rem);margin-bottom:12px}
.cta p{color:var(--muted);max-width:56ch;margin:0 auto 24px}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

.linkgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin-top:26px}
.linkgrid a{display:block;padding:14px 18px;background:var(--panel);border:1px solid var(--line);
  border-radius:12px;color:var(--muted);font-size:.92rem;transition:border-color .2s,color .2s}
.linkgrid a:hover{border-color:var(--line-gold);color:var(--gold2)}

footer{background:#07080b;border-top:1px solid var(--line);padding:60px 0 34px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:38px;margin-bottom:40px}
.foot-grid h4{font-size:.72rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);margin:0 0 16px}
.foot-grid a,.foot-grid p{display:block;color:var(--muted);font-size:.92rem;margin:9px 0}
.foot-grid a:hover{color:var(--gold2)}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;
  border-top:1px solid var(--line);padding-top:24px;color:var(--faint);font-size:.82rem}

@media(max-width:960px){
  .cards{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav-links{display:none}
}
@media(max-width:640px){
  .cards{grid-template-columns:1fr}
  .nav-cta .phone-link{display:none}
  section{padding:56px 0}
  .cta{padding:30px 22px}
  .ratebox{padding:18px}
}