:root{--navy:#183153;--navy-dark:#09233f;--gold:#d6b36a;--cream:#fafaf8;--soft:#f4f0e8;--text:#243247;--muted:#667085;--white:#fff;--line:#e7e2d8;--shadow:0 20px 50px rgba(24,49,83,.12)}
*{box-sizing:border-box}body{margin:0;background:var(--cream);color:var(--text);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6}a{text-decoration:none;color:inherit}.container{width:min(1180px,calc(100% - 40px));margin:0 auto}.site-header{position:sticky;top:0;z-index:20;background:linear-gradient(90deg,var(--navy-dark),var(--navy));color:white;box-shadow:0 10px 30px rgba(9,35,63,.18)}.nav-wrap{min-height:72px;display:flex;align-items:center;gap:28px}.logo img{height:46px;width:auto;display:block}.main-nav{display:flex;gap:22px;margin-left:auto;font-size:14px;font-weight:700}.main-nav a:hover{color:var(--gold)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border:1px solid transparent;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.04em}.btn-primary{background:var(--navy);color:white}.btn-gold{background:var(--gold);color:var(--navy-dark)}.btn-outline{background:transparent;border-color:var(--gold);color:var(--navy)}
.service-hero{background:linear-gradient(100deg,#fff 0%,#fff 56%,#f1ece3 100%);padding:82px 0}.hero-grid{display:grid;grid-template-columns:1.05fr .75fr;gap:70px;align-items:center}.eyebrow{margin:0 0 14px;color:var(--gold);font-size:13px;font-weight:900;text-transform:uppercase;letter-spacing:.12em}h1,h2,h3{margin:0;color:var(--navy);line-height:1.08}h1,h2{font-family:"Playfair Display",Georgia,serif}h1{font-size:clamp(48px,5.2vw,76px);letter-spacing:-.04em;max-width:760px}h2{font-size:clamp(34px,4vw,48px);letter-spacing:-.025em}h3{font-size:20px}.lead{font-size:20px;max-width:680px;color:#183153;margin:24px 0 30px}.hero-card{background:linear-gradient(145deg,var(--navy-dark),var(--navy));color:white;padding:42px;box-shadow:var(--shadow)}.hero-card h3{color:white;margin-bottom:14px}.hero-card ul{padding-left:20px;margin:0;color:rgba(255,255,255,.86)}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.section{padding:72px 0}.white{background:#fff}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}.panel{background:#fff;border:1px solid var(--line);padding:34px;box-shadow:0 12px 30px rgba(24,49,83,.05)}.panel ul{margin:18px 0 0;padding-left:20px;color:var(--muted)}.process{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}.step{background:#fff;border:1px solid var(--line);padding:26px}.step span{display:inline-grid;place-items:center;width:34px;height:34px;background:var(--gold);color:white;border-radius:50%;font-weight:900;margin-bottom:14px}.step p{margin:10px 0 0;color:var(--muted);font-size:14px}.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}.calc-card{background:#fff;border:1px solid var(--line);padding:28px;transition:.2s}.calc-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.calc-card strong{display:block;color:var(--navy);font-size:19px;margin-bottom:8px}.calc-card p{margin:0;color:var(--muted)}.docs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}.doc{background:#fff;border:1px solid var(--line);padding:24px;color:var(--muted)}.faq{display:grid;gap:14px;margin-top:28px}.faq details{background:#fff;border:1px solid var(--line);padding:18px 22px}.faq summary{cursor:pointer;color:var(--navy);font-weight:800}.faq p{color:var(--muted)}.cta{background:linear-gradient(90deg,var(--navy-dark),var(--navy));color:white}.cta h2{color:white}.cta p{color:rgba(255,255,255,.84)}.cta-wrap{display:flex;align-items:center;justify-content:space-between;gap:30px}.disclaimer{font-size:13px;color:var(--muted);margin-top:22px}.site-footer{background:var(--navy-dark);color:white}.footer-grid{padding:42px 0;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:38px}.footer-grid h4{color:var(--gold);margin:0 0 14px}.footer-grid a{display:block;color:rgba(255,255,255,.8);margin-bottom:8px}.footer-grid p{color:rgba(255,255,255,.72);font-size:13px}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:16px;text-align:center;color:rgba(255,255,255,.7);font-size:13px}
@media(max-width:900px){.main-nav,.nav-cta{display:none}.hero-grid,.two-col,.cta-wrap{grid-template-columns:1fr;display:grid}.process,.calc-grid,.docs-grid,.footer-grid{grid-template-columns:1fr}.service-hero{padding:58px 0}h1{font-size:46px}}
.calculator-hub {
  padding: 80px 0;
  background: #fafaf8;
}

.calculator-layout {
  display: grid;
  grid-template-columns: 520px 1fr;
  gap: 34px;
  align-items: start;
}

.calculator-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.calculator-tile {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid #e7e2d8;
  background: #ffffff;
  text-align: left;
  cursor: pointer;
  transition: all .25s ease;
  min-height: 86px;
}

.calculator-tile strong {
  display: block;
  color: #183153;
  font-size: 15px;
  margin-bottom: 5px;
}

.calculator-tile span {
  color: #667085;
  font-size: 12px;
  line-height: 1.3;
}

.calculator-tile:hover,
.calculator-tile.active {
  border-color: #d6b36a;
  box-shadow: 0 18px 40px rgba(24,49,83,.08);
  transform: translateY(-2px);
}

.calculator-panel {
  background: #ffffff;
  border: 1px solid #e7e2d8;
  padding: 36px;
  box-shadow: 0 20px 50px rgba(24,49,83,.10);
}

.calc-form {
  display: grid;
  gap: 18px;
}

.calc-form label {
  display: grid;
  gap: 8px;
  color: #183153;
  font-weight: 700;
}

.calc-form input {
  padding: 14px 16px;
  border: 1px solid #e7e2d8;
  font: inherit;
}

.calc-result {
  margin-top: 26px;
  padding: 24px;
  background: #f4f0e8;
  border-left: 4px solid #d6b36a;
}

.calc-result strong {
  display: block;
  color: #183153;
  font-size: 26px;
  margin-bottom: 8px;
}

.calc-result p {
  margin: 0;
  color: #667085;
}

.calc-actions {
  margin-top: 24px;
}

@media (max-width: 900px) {
  .calculator-layout {
    grid-template-columns: 1fr;
  }

  .calculator-list {
    grid-template-columns: 1fr;
  }
}


.social-links{
    display:flex;
    gap:16px;
    align-items:center;
}

.social-links a{
    width:48px;
    height:48px;

    display:flex;
    align-items:center;
    justify-content:center;

    border:1px solid rgba(214,179,106,.4);

    color:#183153;

    background:#fff;

    border-radius:50%;

    transition:.3s ease;
}

.social-links a:hover{
    background:#183153;
    color:#D6B36A;
    transform:translateY(-3px);

    box-shadow:0 10px 25px rgba(24,49,83,.15);
}

.social-links i{
    font-size:18px;
}