:root{--ink:#151512;--panel:#20211c;--paper:#f7f4ec;--gold:#d8b86d;--muted:#bdbdb0;--line:#dbd8ce;--dark-line:#414236;--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.6}button,a,summary{-webkit-tap-highlight-color:transparent}a{color:inherit;text-underline-offset:4px}button{font:inherit}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #9b6b09;outline-offset:5px}img{max-width:100%;display:block}h1,h2,h3,p,figure{margin:0}h1,h2,h3{line-height:1.1;letter-spacing:-.045em}h1{font-size:clamp(3rem,6vw,5.7rem);font-weight:800}h2{font-size:clamp(2.1rem,3.8vw,3.8rem)}h3{font-size:1.5rem}p+p{margin-top:14px}.skip-link{position:fixed;top:-100px;left:20px;padding:12px 20px;background:var(--gold);color:var(--ink);z-index:100}.skip-link:focus{top:12px}.public-header{position:sticky;top:0;z-index:30;background:var(--ink);color:white;border-bottom:1px solid var(--dark-line)}.header-inner{max-width:1440px;margin:auto;padding:19px 5%;display:flex;gap:28px;align-items:center;justify-content:space-between}.brand{text-decoration:none;flex-shrink:0;line-height:1.05}.brand strong{display:block;font-size:25px;font-weight:800;letter-spacing:-1px}.brand strong span{color:var(--gold)}.brand small{display:block;letter-spacing:.17em;text-transform:uppercase;color:var(--muted);font-size:9px;margin-top:6px}.public-nav{display:flex;align-items:center;justify-content:flex-end;gap:24px}.public-nav a{text-decoration:none;font-size:13px;font-weight:700;padding:8px 0;white-space:nowrap}.public-nav a:hover,.public-nav a[aria-current=page]{color:var(--gold)}.public-nav .nav-login{border:1px solid #6e6a58;border-radius:7px;padding:10px 17px}.menu-toggle{border:1px solid #6e6a58;border-radius:7px;color:white;background:transparent;padding:10px 14px;cursor:pointer}.menu-toggle[hidden]{display:none}.guide-hero{background:var(--ink);color:#fff}.hero-inner{max-width:1440px;margin:auto;padding:68px 5% 74px;display:grid;grid-template-columns:1.07fr 1fr;gap:7%;align-items:center}.eyebrow{color:#84601b;text-transform:uppercase;letter-spacing:.16em;font-size:11px;font-weight:800;margin-bottom:20px}.guide-hero .eyebrow,.dark-section .eyebrow{color:var(--gold)}.hero-copy h1 em{font-style:normal;color:var(--gold)}.hero-copy .lead{font-size:18px;line-height:1.6;color:#d1d1c8;margin-top:25px;max-width:550px}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.button{display:inline-flex;justify-content:center;align-items:center;min-height:48px;padding:13px 22px;font-size:14px;line-height:1.4;font-weight:800;border-radius:7px;text-decoration:none;background:var(--gold);border:1px solid var(--gold);color:var(--ink);text-align:center}.button:hover{background:#e9ca83}.button.secondary{background:transparent;color:inherit;border-color:#777465}.button.secondary:hover{background:#ffffff10}.small-note{font-size:12px;color:#bebeb0;margin-top:17px;max-width:560px}.hero-photo{position:relative;min-width:0}.hero-photo img{width:100%;height:540px;object-fit:cover;border-radius:var(--radius)}.hero-photo.portrait img{object-position:center 57%}.hero-photo figcaption{position:absolute;bottom:16px;left:16px;right:16px;padding:13px 16px;border-radius:9px;background:#151512e8;color:white;font-size:12px;backdrop-filter:blur(8px)}.hero-photo figcaption strong{display:block;font-size:17px;letter-spacing:-.015em}.guide-section{max-width:1320px;margin:0 auto;padding:84px 5%}.section-heading{max-width:760px;margin-bottom:35px}.section-heading>p:not(.eyebrow){margin-top:18px;color:#626258;font-size:17px}.split-heading{display:flex;gap:40px;align-items:end;justify-content:space-between;max-width:none}.split-heading>div{max-width:680px}.split-heading>a{white-space:nowrap;font-weight:700;font-size:14px;margin-bottom:6px}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.info-card{padding:29px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}.info-card h3{margin-bottom:14px}.info-card p{color:#65655b;font-size:15px}.card-number{display:block;color:#927029;font-size:12px;font-weight:800;margin-bottom:28px;letter-spacing:.1em}.photo-card{overflow:hidden;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}.photo-card img{width:100%;height:245px;object-fit:cover}.photo-card .card-body{padding:25px}.photo-card h3{margin-bottom:12px}.photo-card p{font-size:14px;color:#65655b}.photo-card .caption{margin-bottom:12px;font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#927029;font-weight:700}.dark-section{background:var(--panel);color:#fff}.dark-section .guide-section{padding-top:72px;padding-bottom:72px}.dark-section p{color:#c7c7bc}.dark-section .info-card{background:#292a24;border-color:var(--dark-line)}.dark-section .info-card p{color:#c7c7bc}.dark-section .card-number{color:var(--gold)}.two-column{display:grid;grid-template-columns:.85fr 1.2fr;gap:8%;align-items:start}.sticky-copy p{color:#626258;font-size:17px;margin-top:18px}.detail-list{border-top:1px solid var(--line)}.detail-list details{border-bottom:1px solid var(--line)}.detail-list summary{list-style:none;display:flex;gap:18px;align-items:center;justify-content:space-between;padding:22px 2px;font-size:17px;font-weight:700;cursor:pointer;line-height:1.4}.detail-list summary::-webkit-details-marker{display:none}.detail-list summary::after{content:'+';font-size:25px;font-weight:400;color:#917129}.detail-list details[open] summary::after{content:'−'}.detail-list .detail-content{padding:0 25px 23px 2px;color:#626258;font-size:15px}.detail-content ul{padding-left:20px;margin:10px 0}.steps{list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;padding:0;margin:0;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.steps li{padding:28px;position:relative;background:#fff;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.steps li:nth-child(3n){border-right:0}.steps li:nth-last-child(-n+3){border-bottom:0}.steps h3{font-size:21px;line-height:1.2;margin-bottom:12px}.steps p{font-size:14px;color:#65655b}.steps .card-number{margin-bottom:20px}.notice{border-left:3px solid #b89138;padding:15px 19px;margin-top:25px;font-size:14px;color:#626258;background:#efebe0}.cta-panel{background:var(--gold);color:var(--ink);border-radius:var(--radius);padding:44px;display:flex;gap:40px;align-items:center;justify-content:space-between}.cta-panel>div{max-width:650px}.cta-panel h2{font-size:clamp(2rem,3vw,3rem)}.cta-panel p{margin-top:14px}.cta-panel .button{background:var(--ink);border-color:var(--ink);color:white;flex-shrink:0}.cta-panel .button:hover{background:#36372f}.contact-panel{padding:38px;background:white;border:1px solid var(--line);border-radius:var(--radius)}.contact-panel h3{margin-bottom:18px}.contact-panel ul{padding-left:20px;margin:20px 0;color:#626258;font-size:15px}.contact-panel .small-note{color:#626258}.contact-panel a:not(.button){overflow-wrap:anywhere}.public-footer{background:var(--ink);color:#bdbdb0;padding:47px 5% 25px}.footer-inner{max-width:1190px;margin:auto;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:45px}.footer-inner .brand{display:inline-block;color:white}.footer-inner p{max-width:350px;font-size:13px;margin-top:16px}.footer-inner h2{font-size:13px;letter-spacing:.04em;color:white;margin:0 0 13px}.footer-links{display:grid;gap:8px}.footer-links a{font-size:13px;text-decoration:none}.footer-links a:hover{color:var(--gold)}.footer-bottom{max-width:1190px;margin:35px auto 0;padding-top:20px;border-top:1px solid var(--dark-line);font-size:11px}.text-link{font-weight:700}.section-heading .eyebrow{margin-bottom:14px}
@media(min-width:981px){.menu-toggle{display:none}}
@media(max-width:1100px){.public-nav{gap:15px}.header-inner{gap:20px}.hero-inner{gap:5%}.hero-photo img{height:510px}}
@media(max-width:980px){.header-inner{flex-wrap:wrap;padding:16px 5%;gap:15px}.public-nav{width:100%;flex-wrap:wrap;justify-content:flex-start;gap:8px 24px;padding:6px 0 12px}.menu-enabled .public-nav:not([data-open]){display:none}.hero-inner{padding-top:46px;gap:35px}.hero-photo img{height:460px}.hero-copy .lead{font-size:16px}.two-column{gap:5%}.cards{gap:14px}.info-card{padding:23px}.split-heading{align-items:start;flex-direction:column;gap:20px}}
@media(max-width:720px){html{scroll-padding-top:95px}.hero-inner{grid-template-columns:1fr;padding:40px 6% 40px}.hero-copy h1{max-width:530px;font-size:clamp(3rem,11vw,4.2rem)}.hero-copy .lead{font-size:17px}.hero-photo img{height:340px}.hero-photo.portrait img{object-position:center 62%}.actions{margin-top:25px}.actions .button{flex:1;min-width:150px}.guide-section{padding:56px 6%}.section-heading{margin-bottom:27px}.cards{grid-template-columns:1fr;gap:17px}.info-card{padding:25px}.card-number{margin-bottom:18px}.photo-card{display:grid;grid-template-columns:42% 1fr}.photo-card img{height:100%;min-height:225px}.photo-card .card-body{padding:22px}.two-column{grid-template-columns:1fr;gap:29px}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.steps li{padding:23px}.steps li:nth-child(3n){border-right:1px solid var(--line)}.steps li:nth-child(2n){border-right:0}.steps li:nth-last-child(-n+3){border-bottom:1px solid var(--line)}.steps li:nth-last-child(-n+2){border-bottom:0}.steps h3{font-size:20px}.cta-panel{padding:29px;display:block}.cta-panel .button{margin-top:23px}.footer-inner{grid-template-columns:1fr 1fr;gap:30px}.footer-inner>div:first-child{grid-column:1/-1}.dark-section .guide-section{padding-top:55px;padding-bottom:55px}.contact-panel{padding:27px}}
@media(max-width:420px){.public-nav{display:grid;grid-template-columns:1fr 1fr;gap:5px 18px}.public-nav a{padding:10px 0;white-space:normal}.public-nav .nav-login{text-align:center}.steps{grid-template-columns:1fr}.steps li{border-right:0!important;border-bottom:1px solid var(--line)!important}.steps li:last-child{border-bottom:0!important}.photo-card{display:block}.photo-card img{height:240px;min-height:0}.hero-photo img{height:290px}.hero-photo figcaption{left:10px;right:10px;bottom:10px;padding:10px 12px}.hero-photo figcaption strong{font-size:15px}.footer-inner{grid-template-columns:1fr}.footer-inner>div:first-child{grid-column:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}