:root {
    --color-ink: #0b0b0b;
    --color-charcoal: #1c1c1a;
    --color-paper: #f8f7f2;
    --color-white: #ffffff;
    --color-text: #333333;
    --color-muted: #6f6d67;
    --color-line: #d9d5ca;
    --color-line-dark: #373735;
    --color-gold: #cba135;
    --color-gold-dark: #76540b;
    --color-success: #2f6b45;
    --color-error: #9f3228;
    --overlay-hero: linear-gradient(90deg, rgba(8, 8, 8, .88) 0%, rgba(8, 8, 8, .58) 46%, rgba(8, 8, 8, .18) 78%, rgba(8, 8, 8, .28) 100%);
    --overlay-image: linear-gradient(180deg, rgba(8, 8, 8, .1), rgba(8, 8, 8, .72));
    --shadow-soft: 0 24px 64px rgba(11, 11, 11, .1);
    --font-display: "Playfair Display", Georgia, serif;
    --font-body: "Montserrat", Arial, sans-serif;
    --container: 1280px;
    --reading: 760px;
    --header-height: 104px;
    --transition: 300ms cubic-bezier(.16, 1, .3, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--color-text); background: var(--color-white); font-family: var(--font-body); font-size: 16px; line-height: 1.75; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
body.menu-open { overflow: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { color: inherit; }
h1, h2, h3, h4 { margin: 0 0 24px; color: var(--color-ink); font-family: var(--font-display); font-weight: 600; line-height: 1.12; letter-spacing: -.025em; }
h1 { font-size: clamp(3rem, 6vw, 5.75rem); }
h2 { font-size: clamp(2.4rem, 4.5vw, 4.25rem); }
h3 { font-size: clamp(1.45rem, 2vw, 2rem); }
p { margin: 0 0 24px; }
strong { font-weight: 600; }
::selection { color: var(--color-ink); background: var(--color-gold); }
:focus-visible { outline: 3px solid var(--color-gold); outline-offset: 4px; }

.container { width: min(calc(100% - 64px), var(--container)); margin-inline: auto; }
.container--wide { width: min(calc(100% - 64px), 1400px); }
.reading-width { max-width: var(--reading); }
.section { padding-block: clamp(88px, 9vw, 144px); }
.section--cream { background: var(--color-paper); }
.section--ink { color: var(--color-white); background: var(--color-ink); }
.section--ink h1, .section--ink h2, .section--ink h3 { color: var(--color-white); }
.section--ink p { color: rgba(255,255,255,.72); }
.center { text-align: center; }
.center > p { margin-inline: auto; max-width: 65ch; }
.lead { color: var(--color-ink); font-size: clamp(1.18rem, 1.5vw, 1.4rem); line-height: 1.7; }
.eyebrow { margin-bottom: 18px; color: var(--color-gold-dark); font-size: .78rem; font-weight: 700; line-height: 1.35; letter-spacing: .17em; text-transform: uppercase; }
.eyebrow--light { color: var(--color-gold); }
.fine-print { margin-top: 28px; color: var(--color-muted); font-size: .74rem; line-height: 1.65; }
.fine-print--light { color: rgba(255,255,255,.62); }
.skip-link { position: fixed; left: 16px; top: 16px; z-index: 10000; padding: 12px 18px; color: var(--color-white); background: var(--color-ink); transform: translateY(-160%); transition: transform var(--transition); }
.skip-link:focus { transform: translateY(0); }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 54px; padding: 15px 26px; border: 1px solid transparent; border-radius: 0; font-size: .77rem; font-weight: 700; line-height: 1.2; letter-spacing: .12em; text-align: center; text-transform: uppercase; cursor: pointer; transition: color var(--transition), background var(--transition), border-color var(--transition), transform var(--transition); }
.button:hover { transform: translateY(-2px); }
.button:active { transform: translateY(1px); }
.button--gold { color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); }
.button--gold:hover { color: var(--color-white); background: var(--color-gold-dark); border-color: var(--color-gold-dark); }
.button--dark { color: var(--color-white); background: var(--color-ink); border-color: var(--color-ink); }
.button--dark:hover { color: var(--color-ink); background: transparent; }
.button--outline { color: var(--color-ink); background: transparent; border-color: var(--color-ink); }
.button--outline:hover { color: var(--color-white); background: var(--color-ink); }
.button--light-outline { color: var(--color-white); background: transparent; border-color: rgba(255,255,255,.62); }
.button--light-outline:hover { color: var(--color-ink); background: var(--color-white); border-color: var(--color-white); }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }
.button-row--center { justify-content: center; }
.text-link { display: inline-flex; align-items: center; min-height: 44px; border-bottom: 1px solid var(--color-gold-dark); color: var(--color-ink); font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; transition: color var(--transition), border-color var(--transition); }
.text-link:hover { color: var(--color-gold-dark); border-color: var(--color-ink); }

.site-header { position: absolute; inset: 0 0 auto; z-index: 1000; height: var(--header-height); color: var(--color-white); border-bottom: 1px solid rgba(255,255,255,.2); transition: background var(--transition), height var(--transition), box-shadow var(--transition); }
.has-solid-header .site-header, .site-header.is-scrolled { position: fixed; color: var(--color-white); background: rgba(11,11,11,.96); box-shadow: 0 1px 0 rgba(255,255,255,.08); }
.site-header.is-scrolled { height: 84px; }
.site-header__inner { height: 100%; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 36px; }
.brand { display: inline-flex; align-items: center; gap: 12px; min-width: 250px; }
.brand__mark { width: 58px; height: 58px; object-fit: cover; }
.brand__words { display: flex; flex-direction: column; line-height: 1.18; }
.brand__words strong { font-family: var(--font-display); font-size: 1.28rem; letter-spacing: .01em; }
.brand__words small { margin-top: 4px; font-size: .56rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; }
.desktop-nav { display: flex; align-items: center; justify-content: center; gap: 28px; }
.desktop-nav > a, .nav-group > button { position: relative; min-height: 44px; display: inline-flex; align-items: center; padding: 0; border: 0; background: transparent; font-size: .72rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; cursor: pointer; }
.desktop-nav > a::after, .nav-group > button::after { content: ""; position: absolute; left: 0; right: 100%; bottom: 6px; height: 1px; background: var(--color-gold); transition: right var(--transition); }
.desktop-nav > a:hover::after, .nav-group > button:hover::after, .nav-group > button[aria-expanded="true"]::after { right: 0; }
.nav-group { position: relative; }
.nav-dropdown { position: absolute; left: 50%; top: calc(100% + 20px); width: 560px; display: grid; grid-template-columns: 1fr 1fr; gap: 40px; padding: 36px 40px; color: var(--color-white); background: var(--color-ink); border-top: 2px solid var(--color-gold); box-shadow: var(--shadow-soft); opacity: 0; visibility: hidden; transform: translate(-50%, 14px); transition: opacity var(--transition), transform var(--transition), visibility var(--transition); }
.nav-dropdown.is-open { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.nav-dropdown p { margin-bottom: 12px; color: var(--color-gold); font-size: .65rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.nav-dropdown a { display: block; padding: 8px 0; border-bottom: 1px solid var(--color-line-dark); font-family: var(--font-display); font-size: 1.1rem; }
.nav-dropdown a:hover { color: var(--color-gold); }
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone { font-size: .72rem; font-weight: 600; letter-spacing: .08em; }
.button--header { min-height: 46px; padding: 12px 20px; color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); }
.menu-button { display: none; min-width: 72px; min-height: 46px; border: 1px solid rgba(255,255,255,.5); background: transparent; font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.mobile-menu { position: fixed; inset: 0; z-index: 2000; padding: 28px clamp(24px, 7vw, 80px) 48px; color: var(--color-white); background: var(--color-ink); overflow-y: auto; }
.mobile-menu__top { display: flex; justify-content: space-between; padding-bottom: 22px; border-bottom: 1px solid var(--color-line-dark); font-size: .72rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.mobile-menu__top button { min-height: 44px; padding-inline: 12px; color: var(--color-white); border: 1px solid var(--color-line-dark); background: transparent; cursor: pointer; }
.mobile-menu nav { display: grid; margin-block: 40px; }
.mobile-menu nav a { padding: 14px 0; border-bottom: 1px solid var(--color-line-dark); font-family: var(--font-display); font-size: clamp(1.75rem, 7vw, 3.5rem); line-height: 1.2; }
.mobile-menu__cta { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.mobile-menu__cta p { margin: 0; font-family: var(--font-display); font-size: 1.4rem; }

.home-hero { position: relative; min-height: 100dvh; display: grid; align-items: end; color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.home-hero__media, .home-hero__overlay { position: absolute; inset: 0; }
.home-hero__media img { width: 100%; height: 100%; object-fit: cover; object-position: 62% center; transform: scale(1.02); animation: heroIn 1.5s cubic-bezier(.16,1,.3,1) both; }
.home-hero__overlay { background: var(--overlay-hero); }
.home-hero__content { position: relative; z-index: 2; display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: end; gap: 60px; padding-top: calc(var(--header-height) + 80px); padding-bottom: 12vh; }
.home-hero__copy { max-width: 830px; }
.home-hero h1 { color: var(--color-white); font-size: clamp(3.6rem, 7vw, 7rem); line-height: .98; text-wrap: balance; }
.hero-lead { max-width: 690px; margin-top: 30px; color: rgba(255,255,255,.82); font-size: clamp(1.05rem, 1.4vw, 1.25rem); line-height: 1.75; }
.hero-credential { min-width: 300px; padding: 24px 0 10px 28px; border-left: 1px solid var(--color-gold); }
.hero-credential span, .hero-credential small { display: block; color: rgba(255,255,255,.62); font-size: .68rem; letter-spacing: .12em; text-transform: uppercase; }
.hero-credential strong { display: block; margin-block: 10px; font-family: var(--font-display); font-size: 1.3rem; font-weight: 500; }
.hero-scroll { position: absolute; z-index: 3; right: 4vw; bottom: 26px; min-height: 44px; font-size: .64rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; }
.trust-band { color: var(--color-white); background: var(--color-ink); border-top: 1px solid var(--color-line-dark); }
.trust-band__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-band__grid > div { min-height: 112px; display: grid; grid-template-columns: auto 1fr; align-items: center; gap: 16px; padding: 22px 28px; border-right: 1px solid var(--color-line-dark); }
.trust-band__grid > div:last-child { border-right: 0; }
.trust-band span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.4rem; }
.trust-band strong { font-size: .68rem; line-height: 1.5; letter-spacing: .1em; text-transform: uppercase; }

.split { display: grid; gap: clamp(56px, 8vw, 112px); align-items: center; }
.split--intro { grid-template-columns: minmax(0, .88fr) minmax(0, 1.12fr); }
.portrait-composition { position: relative; max-width: 590px; padding: 42px 0 0 52px; }
.portrait-composition__backdrop { position: absolute; inset: 0 44px 52px 0; background: var(--color-paper); }
.portrait-composition img { position: relative; z-index: 1; width: 100%; aspect-ratio: 4/5; object-fit: cover; object-position: center top; filter: saturate(.82) contrast(1.03); }
.portrait-composition p { position: absolute; z-index: 2; right: -18px; bottom: 18px; width: 230px; margin: 0; padding: 24px; color: var(--color-white); background: var(--color-ink); font-family: var(--font-display); font-size: 1.3rem; line-height: 1.45; }
.intro-copy { max-width: 670px; }
.intro-copy h2 { max-width: 13ch; }

.section-heading { margin-bottom: 64px; }
.section-heading--split { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr); align-items: end; gap: 64px; }
.section-heading--split h2 { margin-bottom: 0; max-width: 14ch; }
.section-heading--split > p { margin: 0; max-width: 52ch; }
.program-preview .section-heading > div { max-width: 840px; }
.program-lines { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--color-line-dark); }
.program-line { display: grid; grid-template-columns: 44px 1fr auto; align-items: center; column-gap: 22px; min-height: 152px; padding: 28px 34px 28px 0; border-bottom: 1px solid var(--color-line-dark); transition: background var(--transition), padding var(--transition); }
.program-line:nth-child(odd) { border-right: 1px solid var(--color-line-dark); }
.program-line:nth-child(even) { padding-left: 34px; }
.program-line:hover { background: var(--color-charcoal); padding-inline: 22px; }
.program-line span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.25rem; }
.program-line h3 { margin: 0; color: var(--color-white); font-size: 1.65rem; }
.program-line p { grid-column: 2/4; margin: 8px 0 0; color: rgba(255,255,255,.62); font-size: .78rem; line-height: 1.65; }
.program-line em { color: var(--color-gold); font-size: .63rem; font-style: normal; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.section-action { margin-top: 46px; text-align: right; }

.split--process { grid-template-columns: minmax(280px, .72fr) minmax(0, 1.28fr); align-items: start; }
.process-intro { position: sticky; top: 140px; }
.process-intro h2 { max-width: 9ch; }
.process-intro > p:not(.eyebrow) { max-width: 48ch; }
.process-list { border-top: 1px solid var(--color-line); }
.process-row { display: grid; grid-template-columns: 56px 1fr; gap: 24px; padding: 32px 0; border-bottom: 1px solid var(--color-line); }
.process-row > span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.4rem; }
.process-row h3 { margin: 0 0 8px; font-size: 1.5rem; }
.process-row p { margin: 0; color: var(--color-muted); font-size: .92rem; }
.process-list--wide { display: grid; grid-template-columns: 1fr 1fr; }
.process-list--wide .process-row:nth-child(odd) { padding-right: 36px; border-right: 1px solid var(--color-line); }
.process-list--wide .process-row:nth-child(even) { padding-left: 36px; }
.process-list--compact .process-row { padding: 24px 0; }

.cinematic-break { position: relative; min-height: 76vh; display: grid; align-items: center; color: var(--color-white); overflow: hidden; }
.cinematic-break > img, .cinematic-break__overlay { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.cinematic-break__overlay { background: var(--overlay-image); }
.cinematic-break__content { position: relative; z-index: 1; max-width: 850px; margin-left: max(32px, 8vw); }
.cinematic-break h2 { max-width: 10ch; color: var(--color-white); }
.cinematic-break p:not(.eyebrow) { max-width: 60ch; color: rgba(255,255,255,.82); }

.resource-layout { display: grid; grid-template-columns: 1.55fr .75fr; gap: 28px; }
.resource-feature { min-height: 520px; display: grid; grid-template-rows: auto 1fr; color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.resource-feature > div { padding: clamp(38px, 5vw, 72px); align-self: center; }
.resource-feature h3 { color: var(--color-white); }
.resource-feature p { color: rgba(255,255,255,.72); }
.resource-feature .text-link { color: var(--color-white); border-color: var(--color-gold); }
.resource-feature img { width: 100%; height: auto; aspect-ratio: 3 / 1; object-fit: contain; background: var(--color-white); }
.resource-secondary { min-height: 520px; display: flex; flex-direction: column; justify-content: flex-end; padding: clamp(38px, 5vw, 64px); border: 1px solid var(--color-line); background: var(--color-white); transition: transform var(--transition), box-shadow var(--transition); }
.resource-secondary:hover { transform: translateY(-6px); box-shadow: var(--shadow-soft); }
.resource-secondary .text-link { margin-top: auto; align-self: flex-start; }

.insight-grid { display: grid; grid-template-columns: 1.25fr .9fr .9fr; border-top: 1px solid var(--color-line); }
.insight-card { min-height: 390px; display: flex; flex-direction: column; padding: 44px 34px; border-right: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.insight-card:last-child { border-right: 0; }
.article-meta { color: var(--color-muted); font-size: .68rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; }
.insight-card h3 { font-size: 1.65rem; }
.insight-card h3 a:hover, .article-row h2 a:hover, .article-row h3 a:hover { color: var(--color-gold-dark); }
.insight-card .text-link { margin-top: auto; align-self: flex-start; }

.split--faq { grid-template-columns: minmax(260px, .65fr) minmax(0, 1.35fr); align-items: start; }
.split--faq > div:first-child { position: sticky; top: 140px; }
.faq-list { border-top: 1px solid var(--color-line); }
.faq-item { border-bottom: 1px solid var(--color-line); }
.faq-item summary { min-height: 92px; display: grid; grid-template-columns: 48px 1fr; align-items: center; gap: 18px; padding: 22px 6px; color: var(--color-ink); font-family: var(--font-display); font-size: 1.3rem; line-height: 1.4; cursor: pointer; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary span { color: var(--color-gold-dark); font-size: 1rem; }
.faq-answer { padding: 0 28px 30px 72px; }
.faq-answer p { margin: 0; color: var(--color-muted); }

.split--conversion { grid-template-columns: minmax(300px, .82fr) minmax(0, 1.18fr); align-items: start; }
.split--conversion > div:first-child { padding-top: 44px; }
.split--conversion h2 { max-width: 10ch; }
.contact-lines { display: grid; margin-top: 48px; border-top: 1px solid var(--color-line); }
.contact-lines a { display: grid; grid-template-columns: 100px 1fr; gap: 20px; padding: 18px 0; border-bottom: 1px solid var(--color-line); font-size: .88rem; overflow-wrap: anywhere; }
.contact-lines span { color: var(--color-muted); font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.form-panel { padding: clamp(32px, 5vw, 64px); color: var(--color-white); background: var(--color-ink); box-shadow: var(--shadow-soft); }
.form-panel--light { color: var(--color-text); background: var(--color-paper); }
.lead-form { position: relative; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.field { display: grid; gap: 8px; margin-bottom: 22px; }
.field label { color: inherit; font-size: .68rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.field input, .field select, .field textarea { width: 100%; min-height: 54px; padding: 13px 14px; color: var(--color-white); background: transparent; border: 1px solid var(--color-line-dark); border-radius: 0; }
.field textarea { min-height: 130px; resize: vertical; }
.field select option { color: var(--color-ink); background: var(--color-white); }
.form-panel--light .field input, .form-panel--light .field select, .form-panel--light .field textarea { color: var(--color-ink); background: var(--color-white); border-color: var(--color-line); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--color-gold); outline: 2px solid var(--color-gold); outline-offset: 1px; }
.consent-row { display: grid; grid-template-columns: 20px 1fr; gap: 12px; align-items: start; margin: 8px 0 14px; color: rgba(255,255,255,.68); font-size: .68rem; line-height: 1.6; }
.form-panel--light .consent-row { color: var(--color-muted); }
.consent-row input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--color-gold-dark); }
.form-legal { margin-bottom: 20px; color: rgba(255,255,255,.58); font-size: .65rem; line-height: 1.6; }
.form-panel--light .form-legal { color: var(--color-muted); }
.form-legal a { border-bottom: 1px solid currentColor; }
.form-trap { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { min-height: 22px; margin-bottom: 12px; color: var(--color-gold); font-size: .76rem; }
.form-progress { height: 3px; margin-bottom: 42px; background: var(--color-line); }
.form-progress span { display: block; width: 33.333%; height: 100%; background: var(--color-gold-dark); transition: width var(--transition); }
.form-step { min-width: 0; margin: 0; padding: 0; border: 0; }
.form-step legend { margin-bottom: 34px; color: var(--color-ink); font-family: var(--font-display); font-size: 2rem; }
.step-actions { display: flex; justify-content: flex-end; gap: 12px; margin: 12px 0 0; }
.multi-step-form:not(.is-final) > .consent-row, .multi-step-form:not(.is-final) > .form-legal, .multi-step-form:not(.is-final) > .form-status, .multi-step-form:not(.is-final) > .button { display: none; }

.inner-hero { position: relative; padding: calc(var(--header-height) + 120px) 0 112px; color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.inner-hero::after { content: ""; position: absolute; width: 480px; height: 480px; right: -180px; bottom: -300px; border: 1px solid var(--color-line-dark); border-radius: 50%; }
.inner-hero__grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(280px, .55fr); gap: 70px; align-items: end; }
.inner-hero h1 { max-width: 13ch; margin: 0; color: var(--color-white); font-size: clamp(3.2rem, 6vw, 5.9rem); }
.inner-hero__lead { max-width: 50ch; margin: 0; color: rgba(255,255,255,.72); font-size: 1.05rem; }
.inner-hero--article .inner-hero__grid { display: block; }
.inner-hero--article h1 { max-width: 15ch; }
.inner-hero__meta { margin-top: 24px; color: rgba(255,255,255,.62); font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; }
.inner-hero--va { background: linear-gradient(90deg, rgba(11,11,11,.96), rgba(11,11,11,.68)), url('../images/va-hero.png') center/cover; }

.split--about { grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr); align-items: start; }
.about-portrait { position: sticky; top: 130px; }
.about-portrait img { aspect-ratio: 4/5; object-fit: cover; object-position: center top; }
.about-portrait > p { margin: 0; padding: 18px 22px; color: var(--color-white); background: var(--color-ink); font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.prose > * + * { margin-top: 24px; }
.prose h2, .prose h3 { margin-top: 48px; }
.prose blockquote { margin: 44px 0; padding: 8px 0 8px 30px; border-left: 2px solid var(--color-gold-dark); color: var(--color-ink); font-family: var(--font-display); font-size: clamp(1.5rem, 2.5vw, 2.25rem); line-height: 1.45; }
.credential-list { margin-block: 42px; border-top: 1px solid var(--color-line); }
.credential-list > div { display: grid; grid-template-columns: 150px 1fr; gap: 24px; padding: 18px 0; border-bottom: 1px solid var(--color-line); }
.credential-list span { color: var(--color-muted); font-size: .68rem; letter-spacing: .1em; text-transform: uppercase; }
.credential-list strong { color: var(--color-ink); font-size: .84rem; }
.values-grid { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--color-line); }
.value-row { display: grid; grid-template-columns: 52px 1fr; gap: 10px 22px; padding: 38px 34px 38px 0; border-bottom: 1px solid var(--color-line); }
.value-row:nth-child(odd) { border-right: 1px solid var(--color-line); }
.value-row:nth-child(even) { padding-left: 34px; }
.value-row span { grid-row: 1/3; color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.value-row h3, .value-row p { margin: 0; }
.value-row p { color: var(--color-muted); font-size: .88rem; }

.programs-graphic { width: 100%; margin-bottom: 64px; border: 1px solid var(--color-line); }
.program-hub-list { border-top: 1px solid var(--color-line); }
.program-hub-row { display: grid; grid-template-columns: 64px 1fr auto; gap: 30px; align-items: center; padding: 34px 8px; border-bottom: 1px solid var(--color-line); transition: padding var(--transition), background var(--transition); }
.program-hub-row:hover { padding-inline: 24px; background: var(--color-paper); }
.program-hub-row > span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.program-hub-row h3 { margin: 0 0 8px; }
.program-hub-row p { margin: 0; color: var(--color-muted); font-size: .85rem; }
.program-hub-row em { font-size: .65rem; font-style: normal; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }

.split--program { grid-template-columns: minmax(280px, .72fr) minmax(0, 1.28fr); align-items: start; }
.split--program > div:first-child h2 { max-width: 10ch; }
.benefit-lines { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--color-line); }
.benefit-line { min-height: 140px; display: grid; grid-template-columns: 56px 1fr; align-items: center; gap: 20px; padding: 28px 30px 28px 0; border-bottom: 1px solid var(--color-line); }
.benefit-line:nth-child(odd) { border-right: 1px solid var(--color-line); }
.benefit-line:nth-child(even) { padding-left: 30px; }
.benefit-line span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.35rem; }
.benefit-line p { margin: 0; color: var(--color-ink); font-family: var(--font-display); font-size: 1.25rem; line-height: 1.5; }
.split--consider { grid-template-columns: .75fr 1.25fr; align-items: start; }
.consider-list { border-top: 1px solid var(--color-line-dark); }
.consider-row { display: grid; grid-template-columns: 54px 1fr; gap: 20px; padding: 28px 0; border-bottom: 1px solid var(--color-line-dark); }
.consider-row span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.25rem; }
.consider-row p { margin: 0; color: rgba(255,255,255,.76); }
.va-resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.va-resource-grid img { width: 100%; aspect-ratio: 3/4; object-fit: cover; object-position: top; box-shadow: var(--shadow-soft); }

.calculator-shell { display: grid; grid-template-columns: 300px minmax(0, 1fr); min-height: 800px; border: 1px solid var(--color-line); background: var(--color-white); box-shadow: var(--shadow-soft); }
.calculator-nav { display: flex; flex-direction: column; padding: 24px; color: var(--color-white); background: var(--color-ink); }
.calculator-nav button { min-height: 76px; display: grid; grid-template-columns: 42px 1fr; gap: 14px; align-items: center; padding: 12px; color: rgba(255,255,255,.66); background: transparent; border: 0; border-bottom: 1px solid var(--color-line-dark); font-size: .7rem; font-weight: 600; letter-spacing: .08em; text-align: left; text-transform: uppercase; cursor: pointer; transition: color var(--transition), background var(--transition); }
.calculator-nav button span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.05rem; }
.calculator-nav button:hover, .calculator-nav button[aria-selected="true"] { color: var(--color-white); background: var(--color-charcoal); }
.calculator-stage { min-width: 0; padding: clamp(32px, 6vw, 78px); }
.calculator-panel header { max-width: 740px; margin-bottom: 46px; }
.calculator-panel h2 { font-size: clamp(2.35rem, 4vw, 4rem); }
.calculator-panel header > p:last-child { color: var(--color-muted); }
.calc-fields { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.calc-field { display: grid; gap: 8px; }
.calc-field > span:first-child { min-height: 40px; color: var(--color-muted); font-size: .66rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; }
.calc-input-wrap { min-height: 54px; display: grid; grid-template-columns: auto 1fr auto; align-items: center; border: 1px solid var(--color-line); background: var(--color-paper); }
.calc-input-wrap:focus-within { border-color: var(--color-gold-dark); outline: 2px solid var(--color-gold); }
.calc-input-wrap i { padding-inline: 12px; color: var(--color-muted); font-size: .75rem; font-style: normal; }
.calc-input-wrap input { min-width: 0; width: 100%; height: 52px; padding: 8px 2px; border: 0; outline: 0; background: transparent; color: var(--color-ink); font-weight: 600; }
.calc-form .button { margin-top: 28px; }
.calc-output { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; margin-top: 42px; border: 1px solid var(--color-line); background: var(--color-line); }
.calc-result { min-height: 108px; display: flex; flex-direction: column; justify-content: center; padding: 22px 26px; background: var(--color-paper); }
.calc-result span { color: var(--color-muted); font-size: .65rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; }
.calc-result strong { margin-top: 7px; color: var(--color-ink); font-family: var(--font-display); font-size: clamp(1.4rem, 2.6vw, 2.2rem); font-weight: 600; }
.calc-output .calc-result:last-child:nth-child(odd) { grid-column: 1/-1; background: var(--color-ink); }
.calc-output .calc-result:last-child:nth-child(odd) span { color: rgba(255,255,255,.6); }
.calc-output .calc-result:last-child:nth-child(odd) strong { color: var(--color-gold); }
.comparison-results { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 42px; }
.comparison-results > div { padding: 28px; border-top: 3px solid var(--color-gold-dark); background: var(--color-paper); }
.comparison-results > div > p { color: var(--color-ink); font-family: var(--font-display); font-size: 1.45rem; }
.comparison-results .calc-result { padding: 16px 0; background: transparent; border-top: 1px solid var(--color-line); }
.amortization { margin-top: 24px; border: 1px solid var(--color-line); }
.amortization summary { padding: 18px 22px; color: var(--color-ink); font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; cursor: pointer; }
.table-wrap { max-width: 100%; overflow-x: auto; }
.amortization table { width: 100%; border-collapse: collapse; min-width: 560px; }
.amortization th, .amortization td { padding: 13px 18px; border-top: 1px solid var(--color-line); text-align: right; font-size: .76rem; }
.amortization th:first-child, .amortization td:first-child { text-align: left; }

.split--form { grid-template-columns: minmax(280px, .7fr) minmax(0, 1.3fr); align-items: start; }
.form-page__aside { position: sticky; top: 130px; }
.form-page__aside h2 { max-width: 10ch; }
.download-grid { display: grid; grid-template-columns: 1.15fr .85fr .85fr; border-top: 1px solid var(--color-line); }
.download-grid > a { min-height: 360px; display: flex; flex-direction: column; padding: 38px 30px; border-right: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); transition: color var(--transition), background var(--transition); }
.download-grid > a:last-child { border-right: 0; }
.download-grid > a:hover { color: var(--color-white); background: var(--color-ink); }
.download-grid span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.download-grid h3 { margin-top: 36px; }
.download-grid > a:hover h3 { color: var(--color-white); }
.download-grid p { color: var(--color-muted); font-size: .86rem; }
.download-grid em { margin-top: auto; font-size: .65rem; font-style: normal; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.article-list { border-top: 1px solid var(--color-line); }
.article-row { display: grid; grid-template-columns: 150px 1.2fr 1fr auto; gap: 28px; align-items: center; padding: 36px 0; border-bottom: 1px solid var(--color-line); }
.article-row h2, .article-row h3, .article-row p { margin: 0; }
.article-row h2, .article-row h3 { font-size: 1.5rem; }
.article-row > p:not(.article-meta) { color: var(--color-muted); font-size: .82rem; }
.area-list { border-top: 1px solid var(--color-line); }
.area-row { display: grid; grid-template-columns: 70px 1fr 1.3fr; gap: 28px; align-items: center; padding: 38px 0; border-bottom: 1px solid var(--color-line); }
.area-row span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.area-row h3, .area-row p { margin: 0; }
.area-row p { color: var(--color-muted); }
.legal-copy h2 { font-size: 2rem; }
.legal-copy h2:not(:first-child) { margin-top: 52px; }
.thank-you-page { min-height: 100dvh; display: grid; place-items: center; padding: calc(var(--header-height) + 80px) 0 80px; color: var(--color-white); background: var(--color-ink); }
.thank-you-page h1 { color: var(--color-white); }
.thank-you-page > div > p:not(.eyebrow,.fine-print) { color: rgba(255,255,255,.72); font-size: 1.1rem; }

.single-article .prose { font-size: 1.05rem; }
.single-article .prose > p:first-child { font-size: 1.2rem; }
.article-advisor { margin-top: 72px; padding: 42px; background: var(--color-paper); border-top: 2px solid var(--color-gold-dark); }
.article-advisor h2 { margin-top: 0; font-size: 2.4rem; }
.site-main .navigation.pagination { margin-top: 50px; }
.nav-links { display: flex; flex-wrap: wrap; gap: 8px; }
.page-numbers { min-width: 44px; min-height: 44px; display: grid; place-items: center; border: 1px solid var(--color-line); }
.page-numbers.current { color: var(--color-white); background: var(--color-ink); }

.site-footer { padding: 108px 0 36px; color: var(--color-white); background: var(--color-ink); }
.footer-intro { display: flex; align-items: end; justify-content: space-between; gap: 40px; padding-bottom: 74px; border-bottom: 1px solid var(--color-line-dark); }
.footer-intro h2 { max-width: 12ch; margin: 0; color: var(--color-white); }
.footer-grid { display: grid; grid-template-columns: 1.5fr .65fr .75fr 1fr; gap: 56px; padding-block: 72px; }
.brand--footer { color: var(--color-white); }
.footer-brand > p { max-width: 47ch; margin: 28px 0; color: rgba(255,255,255,.62); font-size: .78rem; }
.nexa-logo { width: 260px; padding: 12px; background: var(--color-white); }
.footer-label { margin-bottom: 22px; color: var(--color-gold); font-size: .66rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.footer-grid > div:not(.footer-brand) > a { display: block; padding: 7px 0; color: rgba(255,255,255,.78); font-size: .78rem; }
.footer-grid a:hover { color: var(--color-gold); }
.footer-contact > p:last-child { margin-top: 22px; color: rgba(255,255,255,.58); font-size: .74rem; }
.footer-legal { display: grid; grid-template-columns: 1.3fr auto 1fr; gap: 30px; align-items: center; padding-block: 26px; border-top: 1px solid var(--color-line-dark); border-bottom: 1px solid var(--color-line-dark); color: rgba(255,255,255,.56); font-size: .64rem; }
.footer-legal p { margin: 0; }
.footer-legal div { display: flex; gap: 20px; }
.footer-legal p:last-child { text-align: right; }
.site-footer .eyebrow { color: var(--color-gold); }
.footer-disclaimer { max-width: 1180px; margin: 28px 0 0; color: rgba(255,255,255,.64); font-size: .68rem; line-height: 1.7; }

.reveal { opacity: 0; transform: translateY(24px); transition: opacity 650ms cubic-bezier(.16,1,.3,1), transform 650ms cubic-bezier(.16,1,.3,1); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
@keyframes heroIn { from { opacity: 0; transform: scale(1.08); } to { opacity: 1; transform: scale(1.02); } }

@media (max-width: 1180px) {
    .desktop-nav, .header-phone, .button--header { display: none; }
    .site-header__inner { grid-template-columns: auto 1fr auto; }
    .menu-button { display: inline-flex; align-items: center; justify-content: center; }
    .header-actions { margin-left: auto; }
    .home-hero__content { grid-template-columns: 1fr; }
    .hero-credential { display: none; }
    .trust-band__grid { grid-template-columns: 1fr 1fr; }
    .trust-band__grid > div:nth-child(2) { border-right: 0; }
    .trust-band__grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--color-line-dark); }
    .calc-fields { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
    .footer-contact { grid-column: 2/4; }
}

@media (max-width: 900px) {
    .container, .container--wide { width: min(calc(100% - 40px), var(--container)); }
    .section { padding-block: 88px; }
    .split, .section-heading--split, .inner-hero__grid { grid-template-columns: 1fr; gap: 48px; }
    .section-heading--split { align-items: start; }
    .section-heading--split h2 { max-width: 16ch; }
    .program-lines { grid-template-columns: 1fr; }
    .program-line:nth-child(odd) { border-right: 0; }
    .program-line:nth-child(even) { padding-left: 0; }
    .process-intro, .split--faq > div:first-child, .about-portrait, .form-page__aside { position: static; }
    .process-intro h2 { max-width: 14ch; }
    .resource-layout { grid-template-columns: 1fr; }
    .resource-secondary { min-height: 360px; }
    .insight-grid { grid-template-columns: 1fr 1fr; }
    .insight-card:first-child { grid-column: 1/-1; }
    .inner-hero { padding-top: calc(var(--header-height) + 86px); }
    .inner-hero h1 { max-width: 14ch; }
    .benefit-lines, .values-grid { grid-template-columns: 1fr; }
    .benefit-line:nth-child(odd), .value-row:nth-child(odd) { border-right: 0; }
    .benefit-line:nth-child(even), .value-row:nth-child(even) { padding-left: 0; }
    .calculator-shell { grid-template-columns: 1fr; }
    .calculator-nav { position: sticky; top: 84px; z-index: 20; flex-direction: row; padding: 10px; overflow-x: auto; }
    .calculator-nav button { flex: 0 0 190px; min-height: 64px; border-right: 1px solid var(--color-line-dark); border-bottom: 0; }
    .download-grid { grid-template-columns: 1fr; }
    .download-grid > a { min-height: 280px; border-right: 0; }
    .article-row { grid-template-columns: 120px 1fr; }
    .article-row > p:not(.article-meta), .article-row > .text-link { grid-column: 2; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-brand { grid-column: 1/-1; }
    .footer-contact { grid-column: auto; }
    .footer-legal { grid-template-columns: 1fr; }
    .footer-legal p:last-child { text-align: left; }
}

@media (max-width: 640px) {
    :root { --header-height: 82px; }
    body { font-size: 15px; }
    .container, .container--wide { width: min(calc(100% - 32px), var(--container)); }
    .section { padding-block: 72px; }
    h1 { font-size: clamp(2.8rem, 13vw, 4.1rem); }
    h2 { font-size: clamp(2.25rem, 10vw, 3.3rem); }
    .brand { min-width: 0; }
    .brand__mark { width: 48px; height: 48px; }
    .brand__words strong { font-size: 1rem; }
    .brand__words small { font-size: .46rem; }
    .menu-button { min-width: 64px; }
    .home-hero__content { padding-top: calc(var(--header-height) + 70px); padding-bottom: 100px; }
    .home-hero h1 { font-size: clamp(3.2rem, 15vw, 4.8rem); }
    .hero-lead { font-size: 1rem; }
    .home-hero__media img { object-position: 63% center; }
    .hero-scroll { display: none; }
    .button-row { display: grid; grid-template-columns: 1fr; }
    .button { width: 100%; }
    .trust-band__grid { grid-template-columns: 1fr; }
    .trust-band__grid > div { min-height: 86px; border-right: 0; border-bottom: 1px solid var(--color-line-dark); }
    .portrait-composition { padding: 22px 0 0 22px; }
    .portrait-composition__backdrop { right: 22px; bottom: 32px; }
    .portrait-composition p { position: relative; right: auto; bottom: auto; width: calc(100% - 22px); margin-left: 22px; }
    .program-line { grid-template-columns: 34px 1fr; min-height: 142px; padding-right: 0; }
    .program-line em { display: none; }
    .program-line p { grid-column: 2; }
    .process-list--wide { grid-template-columns: 1fr; }
    .process-list--wide .process-row:nth-child(odd) { padding-right: 0; border-right: 0; }
    .process-list--wide .process-row:nth-child(even) { padding-left: 0; }
    .cinematic-break { min-height: 680px; }
    .cinematic-break__content { margin-left: 0; }
    .resource-feature img { height: auto; }
    .insight-grid { grid-template-columns: 1fr; }
    .insight-card:first-child { grid-column: auto; }
    .insight-card { min-height: 320px; border-right: 0; }
    .form-grid, .calc-fields, .calc-output, .comparison-results { grid-template-columns: 1fr; }
    .calc-output .calc-result:last-child:nth-child(odd) { grid-column: auto; }
    .form-panel { padding: 28px 20px; }
    .contact-lines a { grid-template-columns: 1fr; gap: 4px; }
    .inner-hero { padding-top: calc(var(--header-height) + 68px); padding-bottom: 76px; }
    .inner-hero::after { display: none; }
    .inner-hero h1 { font-size: clamp(2.7rem, 13vw, 4.3rem); }
    .credential-list > div { grid-template-columns: 1fr; gap: 4px; }
    .program-hub-row { grid-template-columns: 42px 1fr; gap: 18px; }
    .program-hub-row em { display: none; }
    .benefit-line { grid-template-columns: 42px 1fr; padding-right: 0; }
    .va-resource-grid { grid-template-columns: 1fr; }
    .calculator-section { padding-top: 0; }
    .calculator-shell { width: 100%; border-inline: 0; box-shadow: none; }
    .calculator-nav { top: 82px; }
    .calculator-stage { padding: 50px 18px 70px; }
    .calc-field > span:first-child { min-height: 0; }
    .form-step legend { font-size: 1.65rem; }
    .step-actions { display: grid; grid-template-columns: 1fr; }
    .article-row { grid-template-columns: 1fr; gap: 14px; }
    .article-row > p:not(.article-meta), .article-row > .text-link { grid-column: auto; }
    .area-row { grid-template-columns: 44px 1fr; }
    .area-row p { grid-column: 2; }
    .footer-intro { display: block; }
    .footer-intro .button { margin-top: 30px; }
    .footer-grid { grid-template-columns: 1fr; gap: 42px; }
    .footer-brand, .footer-contact { grid-column: auto; }
    .footer-legal div { display: grid; gap: 8px; }
    .mobile-menu__cta { display: block; }
    .mobile-menu__cta .button { margin-top: 20px; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
    .reveal { opacity: 1; transform: none; }
}