:root{--navy: #16283c;--navy-light: #23405f;--gold: #a8873f;--gold-light: #c3a869;--ink: #24292f;--muted: #5b6570;--paper: #ffffff;--ivory: #f7f5f0;--line: #e4e0d8;--serif: "Lora", Georgia, "Times New Roman", serif;--sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.7;font-size:1.0625rem}h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.25;font-weight:600}h1{font-size:clamp(1.9rem,4vw,2.75rem)}h2{font-size:clamp(1.5rem,3vw,2rem);margin-bottom:.75rem}h3{font-size:1.25rem;margin-bottom:.5rem}p{margin-bottom:1rem}a{color:var(--navy-light)}img{max-width:100%;height:auto}.container{max-width:1080px;margin:0 auto;padding:0 1.25rem}.narrow{max-width:760px}.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:68px;flex-wrap:wrap;padding-top:.5rem;padding-bottom:.5rem}.brand{font-family:var(--serif);font-size:1.1rem;font-weight:600;color:#fff;text-decoration:none;text-transform:uppercase;letter-spacing:.05em}.brand span{color:var(--gold-light)}.site-nav{display:flex;gap:1.4rem;flex-wrap:wrap}.site-nav a{color:#e8e6e1;text-decoration:none;font-size:.95rem}.site-nav a:hover{color:var(--gold-light)}.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;padding:4.5rem 0 4rem}.hero h1{color:#fff;max-width:720px}.hero .tagline{color:#cfd6dd;max-width:640px;margin-top:1rem;font-size:1.125rem}.hero .gold-rule{width:64px;height:3px;background:var(--gold);margin:1.5rem 0;border:none}.btn{display:inline-block;padding:.8rem 1.6rem;border-radius:4px;text-decoration:none;font-weight:600;font-size:.95rem}.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold-light)}.btn-outline{border:1px solid var(--line);color:var(--navy)}.section{padding:3.5rem 0}.section.alt{background:var(--ivory)}.section-title{margin-bottom:1.75rem}.kicker{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:.4rem}.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1.25rem}.card{background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:1.5rem;display:block;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}.card:hover{border-color:var(--gold);box-shadow:0 4px 16px #16283c14}.card h3{color:var(--navy)}.card p{color:var(--muted);font-size:.95rem;margin:0}.lawyer-card{background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:1.75rem}.lawyer-card .role{color:var(--gold);font-size:.9rem;font-weight:600}.faq-item{border-bottom:1px solid var(--line);padding:1.1rem 0}.faq-item summary{cursor:pointer;font-weight:600;color:var(--navy);font-family:var(--serif);font-size:1.05rem}.faq-item p{margin:.75rem 0 0;color:var(--muted)}.prose h2{margin-top:2.25rem}.prose h3{margin-top:1.5rem}.prose ul,.prose ol{margin:0 0 1rem 1.4rem}.prose li{margin-bottom:.35rem}.prose blockquote{border-left:3px solid var(--gold);padding-left:1rem;color:var(--muted);margin:1.25rem 0}.prose table{border-collapse:collapse;margin:1.25rem 0;width:100%}.prose th,.prose td{border:1px solid var(--line);padding:.5rem .75rem;text-align:left;font-size:.95rem}.prose th{background:var(--ivory)}.post-meta{color:var(--muted);font-size:.9rem;margin-bottom:1.5rem}.disclaimer{background:var(--ivory);border:1px solid var(--line);border-radius:6px;padding:1rem 1.25rem;font-size:.875rem;color:var(--muted);margin-top:2.5rem}.contact-block{line-height:1.9}.cta-band{background:var(--navy);color:#fff;padding:3rem 0}.cta-band h2{color:#fff}.cta-band p{color:#cfd6dd;max-width:640px}.site-footer{background:#0f1c2b;color:#aeb6bf;padding:3rem 0 2rem;font-size:.9rem}.site-footer a{color:#d5c9a8;text-decoration:none}.site-footer a:hover{text-decoration:underline}.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:2rem;margin-bottom:2rem}.footer-grid h4{color:#fff;font-size:1rem;margin-bottom:.75rem}.footer-grid ul{list-style:none}.footer-grid li{margin-bottom:.4rem}.footer-legal{border-top:1px solid #23364c;padding-top:1.25rem;font-size:.8rem;color:#7d8894}@media(max-width:640px){.site-nav{gap:.9rem;font-size:.9rem}.hero{padding:3rem 0 2.5rem}}