:root{
  --navy:#12304a;--navy-2:#1d4466;--sand:#e9dcc3;--sand-2:#f6f1e7;--sea:#2f7f86;
  --ink:#1b2530;--muted:#5b6773;--line:#dde3e8;--bg:#fff;--card:#fff;--err:#b3261e;
  --radius:14px;--shadow:0 10px 30px rgba(18,48,74,.12);
  --serif:"Fraunces",Georgia,serif;--sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 var(--sans);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--sea)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;font-weight:600;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.2rem);letter-spacing:-.01em}
h2{font-size:clamp(1.55rem,3vw,2.2rem)}
h3{font-size:1.2rem}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.muted{color:var(--muted)}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:600;color:var(--sea);margin:0 0 .6em}
.lede{font-size:1.15rem;color:var(--muted);max-width:40em}
.accent{color:var(--sea);font-style:italic}

/* Header */
.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:var(--serif);font-weight:600;font-size:1.15rem;white-space:nowrap}
.brand em{font-style:normal;color:var(--sea)}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem}
.nav a:hover{color:var(--sea)}
.nav .btn{color:#fff}
@media (max-width:860px){.nav a:not(.btn){display:none}.brand span{font-size:1rem}}

/* Buttons */
.btn{display:inline-block;background:var(--navy);color:#fff;border:0;border-radius:999px;padding:.8em 1.5em;font:600 1rem var(--sans);text-decoration:none;cursor:pointer;transition:background .15s,transform .15s}
.btn:hover{background:var(--navy-2);transform:translateY(-1px)}
.btn-lg{padding:1em 1.8em;font-size:1.05rem}
.btn-sm{padding:.55em 1.1em;font-size:.9rem}
.btn-ghost{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 2px var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-light{background:var(--sand);color:var(--navy)}.btn-light:hover{background:#fff}
.btn-link{background:none;border:0;color:var(--muted);font:500 1rem var(--sans);cursor:pointer;padding:.5em 0}

/* Hero */
.hero{background:linear-gradient(180deg,var(--sand-2),#fff 85%);padding:56px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto 0 0 0;height:60px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 60' preserveAspectRatio='none'%3E%3Cpath d='M0 30 Q150 0 300 30 T600 30 T900 30 T1200 30 V60 H0Z' fill='%23ffffff'/%3E%3C/svg%3E") bottom/100% 100% no-repeat;pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;position:relative;z-index:1}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px}.hero{padding:32px 0 56px}}
.checks{list-style:none;padding:0;margin:1.4em 0 0}
.checks li{padding-left:30px;position:relative;margin:.5em 0}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--sea) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12l4 4 8-8' stroke='white' stroke-width='3' fill='none'/%3E%3C/svg%3E") center/12px no-repeat}

/* Cards & forms */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.form-card{padding:30px}
.lead-form label{display:block;font-weight:500;font-size:.92rem;margin:0 0 14px;color:var(--ink)}
.lead-form input[type=text],.lead-form input[type=email],.lead-form input[type=tel],.lead-form select,.lead-form textarea{
  display:block;width:100%;margin-top:6px;padding:.8em .9em;border:1.5px solid var(--line);border-radius:10px;font:400 1rem var(--sans);color:var(--ink);background:#fff}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:none;border-color:var(--sea);box-shadow:0 0 0 3px rgba(47,127,134,.18)}
.lead-form .invalid{border-color:var(--err)!important}
.lead-form fieldset{border:0;padding:0;margin:0}
.lead-form legend{font-family:var(--serif);font-size:1.45rem;font-weight:600;color:var(--navy);margin-bottom:.4em;padding:0}
.lead-form .btn{width:100%;margin-top:6px}
.lead-form .row{display:flex;gap:16px;align-items:center}
.lead-form .row .btn{flex:1}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
@media (max-width:480px){.grid2{grid-template-columns:1fr}}
.steps{display:flex;gap:6px;margin-bottom:18px}
.steps span{flex:1;height:4px;border-radius:4px;background:var(--line)}
.steps span.on{background:var(--sea)}
.consent{display:flex!important;gap:10px;font-size:.74rem!important;font-weight:400!important;line-height:1.45;color:var(--muted)!important}
.consent input{margin-top:3px;flex:none}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.form-error{color:var(--err);font-size:.9rem;margin:.6em 0 0}
.lead-form.sending button[type=submit]{opacity:.6;pointer-events:none}

/* Sections */
section{padding:64px 0}
.hero,.page-head{padding-top:48px}
.band{background:var(--sand-2)}
.section-lede{color:var(--muted);max-width:46em;font-size:1.08rem;margin-bottom:28px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.grid3{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.grid3{grid-template-columns:1fr}}
.tile{background:#fff;border-radius:var(--radius);padding:24px;border:1px solid var(--line)}
.tile p{margin:0;color:var(--muted)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr}}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
.stat{background:var(--sand-2);border-radius:12px;padding:16px}
.stat-v{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--navy);font-weight:600}
.stat-l{font-size:.85rem;color:var(--muted)}
.fine{font-size:.78rem;color:var(--muted)}
.how{padding-left:1.2em}.how li{margin:.8em 0}
.post-card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;text-decoration:none;color:var(--ink);transition:box-shadow .15s,transform .15s}
.post-card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.post-card p{color:var(--muted);margin:.3em 0 1em}
.post-date{font-size:.8rem;color:var(--muted)}
.more{color:var(--sea);font-weight:600;font-size:.92rem}
.faq{max-width:820px}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);font-size:1.05rem;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:-2px;font-size:1.4rem;color:var(--sea)}
.faq details[open] summary::after{content:"−"}
.faq details p{color:var(--muted);margin:.8em 0 0}
.cta-band{background:var(--navy);color:#fff}
.cta-band h2{color:#fff;margin-bottom:.2em}.cta-band p{color:var(--sand);margin:0}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}

/* Pages */
.page-head{background:linear-gradient(180deg,var(--sand-2),#fff);padding-bottom:24px}
.with-aside{display:grid;grid-template-columns:1fr 380px;gap:48px;align-items:start;padding-top:24px}
@media (max-width:900px){.with-aside{grid-template-columns:1fr}}
.prose{max-width:720px;font-size:1.05rem}
.prose h2{margin-top:1.6em;font-size:1.6rem}
.prose li{margin:.35em 0}
.sticky{position:sticky;top:90px}
.aside h3{font-size:1.35rem}

/* Footer */
.footer{background:#0d2336;color:#c9d3dc;padding:48px 0 24px;font-size:.92rem}
.footer a{color:#c9d3dc;text-decoration:none;display:block;margin:.3em 0}.footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
@media (max-width:700px){.footer-grid{grid-template-columns:1fr}}
.footer-brand{font-family:var(--serif);color:#fff;font-size:1.2rem;margin:0 0 .5em}
.footer-h{color:#fff;font-weight:600;margin:0 0 .5em}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:20px;font-size:.76rem;color:#93a3b2}
.legal svg{vertical-align:-4px;margin-right:4px}

/* Fixes: keep vertical rhythm on sections that also carry .wrap */
section.wrap{padding:64px 20px}
.nav .btn{white-space:nowrap}

/* Mobile: put the form right under the headline so it's above the fold */
@media (max-width:900px){
  .hero-grid{display:flex;flex-direction:column;gap:18px}
  .hero-copy{display:contents}
  .hero .eyebrow{order:0;margin:0}
  .hero h1{order:1;margin:0}
  .hero .form-card{order:2;padding:22px}
  .hero .lede{order:3;font-size:1.02rem}
  .hero .checks{order:4;margin-top:0}
  .hero .value-form .step[data-step="1"] legend,.hero .value-form .step[data-step="1"] > .muted{display:none}
  .brand span{font-size:.95rem}
}
section.wrap.with-aside,.page-head + section.wrap{padding-top:24px}
@media (max-width:900px){.hero-grid{align-items:stretch}}

/* Hero photo: Spring Lake (the lake), footbridge and St. Catharine dome */
.hero{background:linear-gradient(90deg,rgba(13,35,54,.86) 0%,rgba(13,35,54,.62) 45%,rgba(13,35,54,.15) 100%),url("/img/hero.jpg") center 40%/cover no-repeat,#12304a}
.hero::after{display:none}
.hero .eyebrow{color:#9fd0d4}
.hero h1{color:#fff;text-shadow:0 2px 16px rgba(0,0,0,.25)}
.hero .accent{color:var(--sand)}
.hero .lede{color:#e6edf2}
.hero .checks li{color:#fff}
.hero .form-card{box-shadow:0 20px 50px rgba(0,0,0,.28)}
.photo-credit{position:absolute;right:12px;bottom:8px;font-size:.7rem;color:rgba(255,255,255,.7);z-index:2}
@media (max-width:900px){
  .hero{background:linear-gradient(180deg,rgba(13,35,54,.55) 0%,rgba(13,35,54,.88) 55%,#0d2336 100%),url("/img/hero.jpg") center top/auto 340px no-repeat,#0d2336}
}
.about-photo{float:right;width:220px;height:auto;margin:0 0 20px 28px;border-radius:14px;background:var(--sand-2)}
@media (max-width:600px){.about-photo{float:none;display:block;width:220px;margin:0 auto 20px}}