:root {
  --paper: #faf8f5;
  --paper-alt: #f1ede7;
  --ink: #1f1d1a;
  --muted: #6a645c;
  --line: #e2dcd3;
  --accent: #8a6a3a;
  --accent-ink: #ffffff;
  --card: #ffffff;
  --ok: #2f6b3f;
  --err: #a33a2a;
  --vein: rgba(60, 55, 50, 0.16);
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper: #171614; --paper-alt: #1f1d1a; --ink: #efebe5; --muted: #a9a198;
    --line: #34302b; --accent: #c9a26a; --accent-ink: #171614; --card: #221f1c;
    --ok: #7fc08f; --err: #e08a7a; --vein: rgba(240, 235, 228, 0.10);
  }
}
:root[data-theme="dark"] {
  --paper: #171614; --paper-alt: #1f1d1a; --ink: #efebe5; --muted: #a9a198;
  --line: #34302b; --accent: #c9a26a; --accent-ink: #171614; --card: #221f1c;
  --ok: #7fc08f; --err: #e08a7a; --vein: rgba(240, 235, 228, 0.10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 16px/1.6 var(--sans); -webkit-font-smoothing: antialiased; }
a { color: var(--accent); }
h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 5vw, 3.4rem); max-width: 18ch; }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.2rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.muted { color: var(--muted); }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 8px; background: var(--card); padding: 8px 12px; z-index: 10; }

/* header */
.top { position: sticky; top: 0; z-index: 5; background: color-mix(in srgb, var(--paper) 92%, transparent); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.top-in { display: flex; align-items: center; gap: 24px; height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-family: var(--serif); font-size: 1.25rem; font-weight: 600; }
.nav { display: flex; gap: 22px; margin-left: auto; }
.nav a { color: var(--ink); text-decoration: none; font-size: .95rem; }
.nav a:hover { color: var(--accent); }
.call { white-space: nowrap; }

/* buttons */
.btn { display: inline-block; padding: 12px 20px; border-radius: 999px; font: 600 .98rem var(--sans); text-decoration: none; border: 1px solid transparent; cursor: pointer; }
.btn-primary { background: var(--accent); color: var(--accent-ink); }
.btn-primary:hover { filter: brightness(1.08); }
.btn-primary:disabled { opacity: .6; cursor: wait; }
.btn-ghost { border-color: var(--line); color: var(--ink); background: var(--card); }
.btn-ghost:hover { border-color: var(--accent); }
.btn-block { width: 100%; }

/* hero with a CSS/SVG marble surface */
.hero { position: relative; overflow: hidden; padding: 96px 0 88px; border-bottom: 1px solid var(--line); }
.marble { position: absolute; inset: 0; background:
  url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='900' height='600'><filter id='f'><feTurbulence type='fractalNoise' baseFrequency='0.004 0.012' numOctaves='5' seed='7'/><feColorMatrix values='0 0 0 0 0.25  0 0 0 0 0.23  0 0 0 0 0.21  0 0 0 -2.2 1.35'/></filter><rect width='100%' height='100%' filter='url(%23f)'/></svg>") center/cover,
  linear-gradient(135deg, var(--paper) 0%, var(--paper-alt) 100%);
  opacity: .9; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .marble { opacity: .35; filter: invert(1); } }
:root[data-theme="dark"] .marble { opacity: .35; filter: invert(1); }
.hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--paper) 0%, color-mix(in srgb, var(--paper) 70%, transparent) 55%, transparent 100%); }
.hero-in { position: relative; z-index: 1; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; color: var(--accent); font-weight: 600; }
.lede { font-size: 1.15rem; max-width: 46ch; color: var(--muted); }
.cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 8px; }

/* bands */
.band { padding: 72px 0; }
.band-alt { background: var(--paper-alt); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.grid4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 24px; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: 14px; padding: 22px; }
.card p { color: var(--muted); margin: 0; }

.mats { list-style: none; padding: 0; margin: 24px 0 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.mats li { border-top: 2px solid var(--accent); padding-top: 12px; }
.mats strong { display: block; font-family: var(--serif); font-size: 1.15rem; margin-bottom: 4px; }
.mats span { color: var(--muted); font-size: .95rem; }
.note { margin-top: 24px; color: var(--muted); }

.steps { list-style: none; padding: 0; margin: 24px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.steps li { display: flex; gap: 14px; }
.steps .n { flex: none; width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; background: var(--accent); color: var(--accent-ink); font-weight: 600; }
.steps p { color: var(--muted); margin: 0; }
.trade { margin-top: 40px; padding: 22px; border: 1px solid var(--line); border-radius: 14px; background: var(--card); }
.trade p { margin: 0; color: var(--muted); }

/* quote */
.quote { display: grid; grid-template-columns: 1fr 1.3fr; gap: 48px; align-items: start; }
.contact { display: grid; grid-template-columns: auto 1fr; gap: 8px 16px; margin: 24px 0; }
.contact dt { color: var(--muted); }
.contact dd { margin: 0; }
.area { color: var(--muted); }
.form { background: var(--card); border: 1px solid var(--line); border-radius: 16px; padding: 24px; display: grid; gap: 14px; }
.form label { display: grid; gap: 6px; font-size: .92rem; font-weight: 500; }
.req { color: var(--accent); }
input, select, textarea { font: 400 1rem var(--sans); color: var(--ink); background: var(--paper); border: 1px solid var(--line); border-radius: 10px; padding: 11px 12px; width: 100%; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--accent); outline-offset: 1px; border-color: transparent; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.who { border: 0; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.who legend { font-size: .92rem; font-weight: 500; margin-bottom: 6px; padding: 0; }
.form .chip { display: inline-flex; align-items: center; gap: 8px; border: 1px solid var(--line); border-radius: 999px; padding: 8px 14px; font-weight: 400; cursor: pointer; }
.chip input { width: auto; margin: 0; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.fine { font-size: .85rem; color: var(--muted); margin: 0; }
.status { margin: 0; font-weight: 500; }
.status.ok { color: var(--ok); }
.status.err { color: var(--err); }

/* footer */
.foot { padding: 32px 0 48px; font-size: .92rem; }
.foot p { margin: 0 0 6px; }

/* policy pages */
.doc { max-width: 760px; padding-top: 40px; padding-bottom: 64px; }
.doc h1 { font-size: 2rem; max-width: none; }
.doc h2 { font-size: 1.2rem; margin-top: 28px; }

@media (max-width: 900px) {
  .grid4, .steps { grid-template-columns: 1fr 1fr; }
  .mats { grid-template-columns: 1fr 1fr; }
  .quote { grid-template-columns: 1fr; gap: 24px; }
  .nav { display: none; }
  .call { margin-left: auto; }
}
@media (max-width: 560px) {
  .grid4, .steps, .mats, .row2 { grid-template-columns: 1fr; }
  .hero { padding: 64px 0 56px; }
  .band { padding: 52px 0; }
  .brand span { font-size: 1.02rem; white-space: nowrap; }
  .brand img { width: 28px; height: 28px; }
  .top-in { gap: 12px; }
  .call { padding: 9px 14px; font-size: .9rem; }
}