@font-face{font-family:'Cormorant Garamond';font-style:normal;font-weight:400;font-display:swap;src:url('/fonts/cormorant-garamond-400.woff2') format('woff2')}
@font-face{font-family:'Cormorant Garamond';font-style:normal;font-weight:600;font-display:swap;src:url('/fonts/cormorant-garamond-600.woff2') format('woff2')}
@font-face{font-family:'Jost';font-style:normal;font-weight:400;font-display:swap;src:url('/fonts/jost-400.woff2') format('woff2')}
@font-face{font-family:'Jost';font-style:normal;font-weight:500;font-display:swap;src:url('/fonts/jost-500.woff2') format('woff2')}
@font-face{font-family:'Jost';font-style:normal;font-weight:600;font-display:swap;src:url('/fonts/jost-600.woff2') format('woff2')}

:root{
  --ink:#0f2a38;
  --navy:#1a3a4f;
  --gold:#c9a96e;
  --cream:#f8f6f2;
  --sand:#eee8de;
  --serif:'Cormorant Garamond',Georgia,serif;
  --sans:'Jost',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;background:var(--cream);color:var(--ink);font:400 1rem/1.65 var(--sans)}
a{color:inherit}
.wrap{width:min(1180px,calc(100% - 40px));margin-inline:auto}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.02;letter-spacing:-.02em}
h1{max-width:750px;margin:.16em 0 .26em;font-size:clamp(3.4rem,6.5vw,6.2rem)}
h2{margin:.18em 0 .42em;font-size:clamp(2.5rem,4.5vw,4.15rem)}
h3{margin:.15em 0 .62em;font-size:clamp(1.6rem,2.2vw,2.1rem)}
p{margin-top:0}
.eyebrow{margin-bottom:15px;color:var(--navy);font-size:.7rem;font-weight:600;letter-spacing:.19em;text-transform:uppercase}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip-link{position:fixed;top:-100px;left:12px;z-index:100;padding:12px 18px;background:var(--gold);color:var(--ink);font-weight:600;text-decoration:none;transition:top .2s}
.skip-link:focus{top:12px}

.site-header{position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(248,246,242,.15);background:var(--ink)}
.nav{display:flex;min-height:82px;align-items:center;justify-content:space-between;gap:24px;padding:10px max(20px,calc((100vw - 1180px)/2))}
.logo{display:flex;align-items:center;gap:12px;color:var(--cream);text-decoration:none}
.logo img{width:auto;height:56px;object-fit:contain;filter:brightness(0) invert(1)}
.logo span{padding-left:12px;border-left:1px solid rgba(248,246,242,.3);color:var(--gold);font-size:.66rem;letter-spacing:.18em;text-transform:uppercase}
.owner-header-links{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:18px}
.back{color:var(--cream);font-size:.88rem;text-decoration-color:var(--gold);text-underline-offset:5px}

.owner-hero{position:relative;overflow:hidden;padding:104px 0 0;background:var(--ink);color:var(--cream)}
.owner-hero::before{position:absolute;top:0;bottom:0;left:50%;width:1px;background:linear-gradient(rgba(201,169,110,0),rgba(201,169,110,.32),rgba(201,169,110,0));content:''}
.owner-hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(420px,.92fr);gap:78px;align-items:center}
.owner-hero .eyebrow{color:var(--gold)}
.owner-hero .lead{max-width:700px;color:rgba(248,246,242,.84);font-size:clamp(1.08rem,1.7vw,1.28rem)}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
.hero-reassurance{margin:18px 0 0;color:rgba(248,246,242,.64);font-size:.74rem;letter-spacing:.08em;text-transform:uppercase}

.button{display:inline-flex;min-height:50px;align-items:center;justify-content:center;padding:14px 22px;border:1px solid transparent;border-radius:2px;font:600 .71rem/1.15 var(--sans);letter-spacing:.12em;text-align:center;text-decoration:none;text-transform:uppercase;cursor:pointer;transition:transform .2s,background-color .2s,color .2s}
.button:hover{transform:translateY(-2px)}
.primary{background:var(--gold);color:var(--ink)}
.primary:hover{background:var(--sand)}
.secondary{border-color:var(--gold);background:transparent;color:var(--cream)}
.secondary:hover{background:var(--cream);color:var(--ink)}
.dark{background:var(--ink);color:var(--cream)}
.dark:hover{background:var(--navy)}

.decision-dossier{position:relative;background:var(--cream);color:var(--ink);box-shadow:0 28px 70px rgba(15,42,56,.45);clip-path:polygon(0 0,calc(100% - 28px) 0,100% 28px,100% 100%,0 100%)}
.decision-dossier::after{position:absolute;top:0;right:0;width:28px;height:28px;background:var(--gold);content:'';clip-path:polygon(0 0,0 100%,100% 100%)}
.dossier-heading{display:grid;gap:5px;padding:26px 30px 22px;border-bottom:1px solid rgba(15,42,56,.2)}
.dossier-heading span,.branch-number{color:var(--navy);font-size:.64rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase}
.dossier-heading strong{font:600 1.35rem/1.1 var(--serif)}
.dossier-branches{position:relative;display:grid;grid-template-columns:1fr 1fr}
.dossier-branches::before{position:absolute;top:0;bottom:0;left:50%;z-index:1;width:1px;background:rgba(15,42,56,.24);box-shadow:8px 0 18px rgba(15,42,56,.08),-8px 0 18px rgba(15,42,56,.08);content:''}
.dossier-branches article{min-width:0;padding:30px 28px 27px}
.dossier-branches article:last-child{background:rgba(201,169,110,.12)}
.dossier-branches h2{margin:13px 0 14px;font-size:clamp(1.7rem,2.4vw,2.35rem)}
.dossier-branches p{min-height:78px;color:rgba(15,42,56,.72);font-size:.86rem}
.dossier-branches a{display:inline-flex;min-height:44px;align-items:center;font-size:.8rem;font-weight:600;letter-spacing:.05em;text-decoration-color:var(--gold);text-transform:uppercase;text-underline-offset:5px}
.dossier-note{margin:0;padding:18px 30px 21px;border-top:1px solid rgba(15,42,56,.2);color:rgba(15,42,56,.66);font-size:.76rem}

.proof-grid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:82px;border-top:1px solid rgba(248,246,242,.18);border-inline:1px solid rgba(248,246,242,.18)}
.proof-grid article{display:grid;align-content:center;min-height:116px;padding:24px 28px;border-right:1px solid rgba(248,246,242,.18)}
.proof-grid article:last-child{border-right:0}
.proof-grid strong{font:600 clamp(1.9rem,3vw,2.55rem)/1 var(--serif)}
.proof-grid span{margin-top:9px;color:rgba(248,246,242,.64);font-size:.76rem}

section{padding:98px 0}
.section-heading{display:grid;grid-template-columns:minmax(0,1.28fr) minmax(260px,.55fr);gap:70px;align-items:end;margin-bottom:42px}
.section-heading h2,.section-heading p{margin-bottom:0}
.section-heading p{padding-bottom:8px;color:rgba(15,42,56,.7)}

.offers-section{background:var(--cream)}
.offers-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:stretch}
.offer-card{display:flex;min-width:0;flex-direction:column;padding:44px;border:1px solid rgba(15,42,56,.2);background:var(--sand)}
.offer-management{background:var(--cream);box-shadow:inset 0 6px 0 var(--gold)}
.offer-topline{display:flex;min-height:24px;align-items:center;justify-content:space-between;gap:18px;color:var(--navy);font-size:.66rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase}
.offer-topline em{padding:5px 9px;background:var(--gold);color:var(--ink);font-style:normal;letter-spacing:.08em}
.offer-card h3{margin-top:24px;font-size:clamp(2.5rem,4.5vw,4.2rem)}
.offer-price{display:flex;min-height:70px;align-items:baseline;gap:14px;margin-bottom:16px}
.offer-price strong{font:600 clamp(2.35rem,4.4vw,4.1rem)/.9 var(--serif)}
.offer-price span{max-width:210px;color:rgba(15,42,56,.68);font-size:.79rem}
.offer-basis{margin:-8px 0 16px;color:var(--navy);font-size:.72rem;font-weight:600}
.offer-promise{padding-bottom:23px;border-bottom:1px solid rgba(15,42,56,.18);color:rgba(15,42,56,.78)}
.offer-example{display:grid;gap:5px;margin:0;padding:20px 0;border-bottom:1px solid rgba(15,42,56,.18)}
.offer-example span{color:var(--navy);font-size:.64rem;font-weight:600;letter-spacing:.13em;text-transform:uppercase}
.offer-example strong{font:600 1.45rem/1.08 var(--serif)}
.offer-example small{color:rgba(15,42,56,.68);font-size:.76rem;line-height:1.45}
.offer-facts{margin:0 0 30px}
.offer-facts div{display:grid;grid-template-columns:minmax(120px,.4fr) 1fr;gap:20px;padding:15px 0;border-bottom:1px solid rgba(15,42,56,.14)}
.offer-facts dt{font-size:.66rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase}
.offer-facts dd{margin:0;color:rgba(15,42,56,.7);font-size:.86rem}
.owner-role{margin:0 0 28px;padding:23px 24px;background:rgba(201,169,110,.16)}
.owner-role h4{margin:0 0 13px;font:600 .72rem/1.2 var(--sans);letter-spacing:.14em;text-transform:uppercase}
.owner-role ul{padding:0;margin:0;list-style:none}
.owner-role li{position:relative;padding:8px 0 8px 20px;border-top:1px solid rgba(15,42,56,.14);font-size:.84rem}
.owner-role li::before{position:absolute;left:0;color:var(--navy);content:'—'}
.owner-role p{margin:12px 0 0;padding-top:12px;border-top:1px solid rgba(15,42,56,.2);color:rgba(15,42,56,.76);font-size:.78rem}
.offer-card>.button{margin-top:auto}
.offers-caveat{max-width:780px;margin:22px 0 0;color:rgba(15,42,56,.72);font-size:.78rem}

.technology-section{background:var(--navy);color:var(--cream)}
.technology-section .eyebrow{color:var(--gold)}
.technology-section .section-heading p{color:rgba(248,246,242,.7)}
.technology-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(248,246,242,.2);border-bottom:1px solid rgba(248,246,242,.2)}
.technology-benefit{min-width:0;padding:34px 28px 28px;border-right:1px solid rgba(248,246,242,.2)}
.technology-benefit:last-child{border-right:0}
.technology-benefit>span{color:var(--gold);font-size:.64rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase}
.technology-benefit h3{margin-top:28px}
.technology-benefit p{margin:0;color:rgba(248,246,242,.7);font-size:.88rem}

.method-section{background:var(--cream)}
.method-grid{display:grid;grid-template-columns:repeat(3,1fr);padding:0;margin:0;border-top:1px solid rgba(15,42,56,.2);list-style:none}
.method-step{position:relative;padding:34px 28px 10px 0}
.method-step:not(:last-child)::after{position:absolute;top:-4px;right:22px;width:7px;height:7px;border-radius:50%;background:var(--gold);content:''}
.method-step>span{display:block;margin-bottom:32px;color:var(--navy);font:600 2rem/1 var(--serif)}
.method-step h3{font-size:1.65rem}
.method-step p{color:rgba(15,42,56,.68);font-size:.87rem}

.faq-section{background:var(--cream)}
.faq-grid{display:grid;grid-template-columns:minmax(260px,.62fr) minmax(0,1.25fr);gap:100px;align-items:start}
.faq-list details{padding:21px 0;border-top:1px solid rgba(15,42,56,.2)}
.faq-list details:last-child{border-bottom:1px solid rgba(15,42,56,.2)}
.faq-list summary{position:relative;padding-right:38px;font:600 1.25rem/1.3 var(--serif);cursor:pointer;list-style:none}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{position:absolute;top:-4px;right:3px;color:var(--gold);font:400 1.7rem var(--sans);content:'+'}
.faq-list details[open] summary::after{content:'–'}
.faq-list details p{margin:14px 44px 0 0;color:rgba(15,42,56,.7)}

.form-section{background:var(--sand)}
.form-grid{display:grid;grid-template-columns:minmax(280px,.62fr) minmax(0,1.15fr);gap:80px;align-items:start}
.privacy-notice{margin:0;padding:16px 18px;border-left:3px solid var(--gold);background:var(--sand);color:rgba(15,42,56,.78);font-size:.78rem;line-height:1.55}
.privacy-notice p{margin:0}.privacy-notice a{font-weight:600;text-decoration-color:var(--gold);text-underline-offset:3px}
.form-intro{position:sticky;top:118px}
.form-intro>p{color:rgba(15,42,56,.7)}
.form-intro>.eyebrow{color:var(--navy)}
.contact-card{margin-top:34px;padding:24px;border-left:3px solid var(--gold);background:var(--cream)}
.contact-card span,.contact-card a{display:block}
.contact-card span{margin-bottom:7px;color:rgba(15,42,56,.65);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase}
.contact-card a{width:max-content;text-underline-offset:3px}
.form-column form,.summary{padding:38px;border:1px solid rgba(15,42,56,.2);background:var(--cream)}
.stepper-progress{margin:-38px -38px 34px;padding:24px 38px 22px;border-bottom:1px solid rgba(15,42,56,.18);background:var(--ink);color:var(--cream)}
.stepper-progress>p{margin:0 0 15px;color:var(--gold);font-size:.66rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase}
.stepper-progress ol{display:grid;grid-template-columns:repeat(4,1fr);padding:0;margin:0;list-style:none}
.stepper-progress li{position:relative;display:grid;gap:7px;padding-right:12px;color:rgba(248,246,242,.58);font-size:.63rem;letter-spacing:.08em;text-transform:uppercase}
.stepper-progress li:not(:last-child)::after{position:absolute;top:13px;right:7px;left:34px;height:1px;background:rgba(248,246,242,.2);content:''}
.stepper-progress li span{display:grid;z-index:1;width:27px;height:27px;place-items:center;border:1px solid rgba(248,246,242,.36);border-radius:50%;background:var(--ink);font-size:.7rem}
.stepper-progress li[aria-current='step']{color:var(--cream)}
.stepper-progress li[aria-current='step'] span,.stepper-progress li.is-complete span{border-color:var(--gold);background:var(--gold);color:var(--ink)}
.form-step{min-width:0;padding:0;margin:0;border:0}
.step-title{display:block;width:100%;padding:0;margin:0 0 8px;font:600 clamp(1.8rem,3.2vw,2.7rem)/1.08 var(--serif)}
.step-intro{margin:0 0 26px;color:rgba(15,42,56,.68)}
.offer-choices{display:grid;gap:12px;margin:28px 0 8px}
.offer-choice{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start;padding:18px;border:1px solid rgba(15,42,56,.3);background:var(--sand);cursor:pointer;transition:border-color .2s,box-shadow .2s,transform .2s}
.offer-choice:hover{transform:translateY(-1px);border-color:var(--gold)}
.offer-choice:has(input:checked){border-color:var(--gold);box-shadow:inset 5px 0 0 var(--gold);background:var(--cream)}
.offer-choice input{width:19px;height:19px;margin:3px 0 0;accent-color:var(--navy)}
.offer-choice span{display:grid;gap:4px}
.offer-choice strong{font:600 1.25rem/1.15 var(--serif)}
.offer-choice small{color:rgba(15,42,56,.68);font-size:.78rem;line-height:1.5}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:28px}
.fields label{display:grid;gap:8px;font-size:.78rem;font-weight:600;letter-spacing:.03em}
.fields input,.fields select,.fields textarea{width:100%;padding:13px 12px;border:1px solid rgba(15,42,56,.5);border-radius:0;background:var(--cream);color:var(--ink);font:400 1rem var(--sans)}
.fields textarea{resize:vertical}
.fields .full{grid-column:1/-1}
.fields .check{display:flex;align-items:flex-start;gap:10px;font-size:.88rem;font-weight:400;letter-spacing:0}
.fields .check input{width:auto;min-width:18px;height:18px;margin:3px 0 0}
.optional{color:rgba(15,42,56,.74);font-weight:400}
.fields [aria-invalid='true']{border-color:var(--ink);box-shadow:0 0 0 3px rgba(201,169,110,.5)}
.field-error{display:block;min-height:0;color:#7b2d25;font-size:.74rem;font-weight:500;letter-spacing:0}
.field-error:empty{display:none}
.financial-guidance{margin:0;padding:16px 18px;border-left:3px solid var(--gold);background:var(--sand);color:rgba(15,42,56,.75);font-size:.84rem}
.financial-guidance:empty{display:none}
.owner-hp{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.error-summary{margin-bottom:24px;padding:14px 18px;border-left:4px solid var(--gold);background:var(--sand);color:var(--ink)}
.error-summary p{margin:0 0 5px;font-weight:600}
.error-summary ul{margin:0;padding-left:20px}
.form-status{margin-bottom:24px;padding:14px 18px;border-left:4px solid var(--gold);background:rgba(201,169,110,.14);color:var(--ink)}
.form-status.is-error{border-left-color:#7b2d25;background:#f5e9e6}
.form-navigation{display:flex;justify-content:space-between;gap:12px;margin-top:8px}
.form-navigation-next{justify-content:flex-end}
.form-navigation .button{min-width:150px}
.step-back{border-color:rgba(15,42,56,.35);background:transparent;color:var(--ink)}
.step-back:hover{border-color:var(--ink);background:var(--sand)}
.form-submit{width:100%}
.form-submit[disabled]{cursor:wait;opacity:.7;transform:none}
.form-note{margin:15px 0 0;color:rgba(15,42,56,.74);font-size:.78rem}
.summary{margin-top:18px;border-top:5px solid var(--gold)}
.summary h3{margin-top:0}
.summary pre{padding:16px;border:1px solid rgba(15,42,56,.2);background:var(--sand);font:400 .88rem/1.6 var(--sans);overflow-wrap:anywhere;white-space:pre-wrap}
.summary-actions{display:flex;flex-wrap:wrap;gap:10px}
.summary .secondary{border-color:var(--gold);color:var(--ink)}
.submission-reference{color:rgba(15,42,56,.68);font-size:.78rem;overflow-wrap:anywhere}

footer{padding:52px 0 28px;background:var(--ink);color:rgba(248,246,242,.82)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}
.footer-grid .logo img{height:58px}
.footer-grid strong{color:var(--cream);font:600 1.15rem var(--serif)}
.footer-grid p{color:rgba(248,246,242,.66);font-size:.87rem}
.footer-grid a{text-underline-offset:3px}
.legal-note{width:min(1180px,calc(100% - 40px));margin:30px auto 0;padding-top:22px;border-top:1px solid rgba(248,246,242,.15);color:rgba(248,246,242,.58);font-size:.75rem}

:focus-visible{outline:3px solid var(--gold);outline-offset:4px}

@media(max-width:960px){
  .owner-hero-grid,.section-heading,.evidence-grid,.faq-grid,.form-grid{grid-template-columns:1fr}
  .owner-hero-grid{gap:50px}.decision-dossier{max-width:620px}.section-heading{gap:12px}
  .proof-grid{grid-template-columns:1fr 1fr}.proof-grid article:nth-child(2){border-right:0}.proof-grid article:nth-child(-n+2){border-bottom:1px solid rgba(15,42,56,.14)}
  .offers-grid{grid-template-columns:1fr}.offer-card{padding:40px}.offer-price span{max-width:none}
  .technology-grid,.method-grid{grid-template-columns:1fr 1fr}.technology-benefit:nth-child(2){border-right:0}.technology-benefit:nth-child(-n+2){border-bottom:1px solid rgba(248,246,242,.2)}
  .method-grid{gap:16px;border-top:0}.method-step{padding:28px;border-top:3px solid var(--gold);background:var(--sand)}.method-step:not(:last-child)::after{display:none}.method-step>span{margin-bottom:22px}
  .evidence-grid,.faq-grid,.form-grid{gap:42px}.form-intro{position:static}.footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:580px){
  .wrap{width:min(100% - 28px,1180px)}
  .nav{min-height:70px;padding-inline:14px}.logo img{height:46px}.logo span{display:none}.owner-header-links{gap:12px}.back{font-size:.74rem}
  .owner-hero{padding:72px 0 66px}.owner-hero::before{left:20px}.owner-hero-grid{gap:36px}.hero-actions,.summary-actions{display:grid}.button{width:100%}.hero-reassurance{line-height:1.8}
  .dossier-heading{padding:24px 22px 20px}.dossier-branches{grid-template-columns:1fr}.dossier-branches::before{top:20px;bottom:20px;left:22px}.dossier-branches article{padding:24px 22px 24px 44px}.dossier-branches article+article{border-top:1px solid rgba(15,42,56,.2)}.dossier-branches p{min-height:0}.dossier-note{padding:17px 22px 20px}
  .proof-grid article{min-height:120px;padding:22px 18px}.proof-grid span{font-size:.7rem}
  section{padding:72px 0}.section-heading{margin-bottom:32px}
  .offer-card{padding:29px 22px}.offer-topline{align-items:flex-start}.offer-topline em{max-width:105px;text-align:center}.offer-facts div{grid-template-columns:1fr;gap:5px}
  .technology-grid,.method-grid{grid-template-columns:1fr}.technology-benefit{padding:29px 22px;border-right:0;border-bottom:1px solid rgba(248,246,242,.2)}.technology-benefit:last-child{border-bottom:0}
  .faq-list details p{margin-right:8px}
  .fields,.footer-grid{grid-template-columns:1fr}.fields .full{grid-column:1}.form-column form,.summary{padding:28px 20px}.stepper-progress{margin:-28px -20px 28px;padding:21px 20px}.stepper-progress li{font-size:.56rem}.stepper-progress li:not(:last-child)::after{right:4px;left:31px}.form-navigation{display:grid;grid-template-columns:1fr 1fr}.form-navigation-next{grid-template-columns:1fr}.form-navigation .button{min-width:0}.footer-grid{gap:14px}
}

@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;scroll-behavior:auto!important;transition-duration:.01ms!important}
}