:root {
    --forest: #0F3A2B;
    --green: #007B32;
    --gold: #BC9D3F;
    --gold-light: #E3CF8E;
    --ink: #1F2B30;
    --mist: #F3F6F2;
    --line: #DCE3DD;
    --text: #25333A;
    --soft: #5B6A6F;
    --white: #FFFFFF;
    --wrap: 1180px;
    --font: "Archivo", "Helvetica Neue", Arial, sans-serif;
  }
  *, *::before, *::after { box-sizing: border-box; }
  [hidden] { display: none !important; }
  html { scroll-behavior: smooth; scroll-padding-top: 88px; -webkit-text-size-adjust: 100%; }
  @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
  body {
    margin: 0; font-family: var(--font); font-size: 1.0625rem; line-height: 1.6;
    color: var(--text); background: var(--white);
    padding-bottom: env(safe-area-inset-bottom, 0px);
  }
  img { max-width: 100%; display: block; }
  a { color: var(--green); }
  h1, h2, h3 { color: var(--ink); line-height: 1.08; margin: 0; }
  h2 { font-size: clamp(2rem, 3.6vw, 2.9rem); font-weight: 800; letter-spacing: -0.03em; }
  h3 { font-size: 1.25rem; font-weight: 700; letter-spacing: -0.01em; }
  p { margin: 0; }
  .wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
  .lead { font-size: 1.15rem; color: var(--soft); max-width: 60ch; margin-top: 16px; }
  .section { padding: 96px 0; }
  .section-head { margin-bottom: 48px; }
  :focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

  /* Buttons */
  .btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    font: inherit; font-weight: 700; font-size: 1rem; text-decoration: none;
    padding: 15px 26px; border-radius: 10px; border: 2px solid transparent; cursor: pointer;
    transition: background-color .15s, color .15s, border-color .15s;
  }
  .btn-green { background: var(--green); color: var(--white); }
  .btn-green:hover { background: #006529; }
  .btn-gold { background: var(--gold); color: var(--ink); }
  .btn-gold:hover { background: #CDAE4F; }
  .btn-line { border-color: var(--ink); color: var(--ink); background: transparent; }
  .btn-line:hover { background: var(--ink); color: var(--white); }
  .btn-line-light { border-color: rgba(255,255,255,.7); color: var(--white); }
  .btn-line-light:hover { background: var(--white); color: var(--forest); }

  /* Top bar */
  .topbar { background: var(--forest); color: rgba(255,255,255,.88); font-size: .88rem; padding-top: env(safe-area-inset-top, 0px); }
  .topbar .wrap { display: flex; flex-wrap: wrap; gap: 6px 28px; justify-content: center; padding-top: 9px; padding-bottom: 9px; }
  .topbar strong { color: var(--gold-light); font-weight: 600; }
  .topbar a { color: var(--white); }

  /* Header */
  .header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
  .header .wrap { display: flex; align-items: center; gap: 28px; height: 76px; }
  .brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); flex: none; }
  .brand img { width: 44px; height: 44px; border-radius: 8px; }
  .brand-text { line-height: 1; }
  .brand-text b { display: block; font-size: 1.35rem; font-weight: 900; letter-spacing: -0.02em; }
  .brand-text span { display: block; font-size: .78rem; font-weight: 500; color: var(--soft); margin-top: 3px; }
  .nav { display: flex; gap: 24px; margin-left: auto; }
  .nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .98rem; }
  .nav a:hover { color: var(--green); }
  .header-cta { display: flex; align-items: center; gap: 18px; }
  .header-phone { color: var(--ink); font-weight: 700; text-decoration: none; white-space: nowrap; }
  .header .btn { padding: 11px 18px; }
  .menu-btn { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: 8px; width: 46px; height: 46px; cursor: pointer; }
  .menu-btn span { display: block; width: 20px; height: 2px; background: var(--ink); margin: 4px auto; }
  .mobile-nav { display: none; }

  @media (max-width: 1180px) {
    .nav, .header-cta { display: none; }
    .menu-btn { display: block; }
    .mobile-nav { border-top: 1px solid var(--line); background: var(--white); }
    .mobile-nav.open { display: block; }
    .mobile-nav a { display: block; padding: 14px 24px; border-bottom: 1px solid var(--line); color: var(--ink); text-decoration: none; font-weight: 600; }
  }

  /* Hero */
  .hero { position: relative; overflow: hidden; background: var(--white); }
  .hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 24px; align-items: end; position: relative; z-index: 1; }
  .hero-copy { padding: 88px 0 72px; }
  .hero h1 {
    font-size: clamp(2.6rem, 5.6vw, 4.6rem); font-weight: 900; letter-spacing: -0.045em; line-height: .98;
  }
  .hero .lead { font-size: 1.2rem; color: var(--text); margin-top: 24px; max-width: 34em; }
  .hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
  .hero-photo { align-self: end; display: flex; justify-content: center; position: relative; padding-top: 40px; }
  .hero-photo img { width: min(100%, 400px); height: auto; position: relative; z-index: 1; }
  .stats { border-top: 1px solid var(--line); background: var(--white); position: relative; z-index: 1; }
  .stats .wrap { display: grid; grid-template-columns: repeat(4, 1fr); }
  .stat { padding: 26px 20px; border-left: 1px solid var(--line); }
  .stat:first-child { border-left: 0; padding-left: 0; }
  .stat b { display: block; font-size: 2.1rem; font-weight: 900; letter-spacing: -0.03em; color: var(--forest); line-height: 1; }
  .stat span { display: block; margin-top: 6px; color: var(--soft); font-size: .95rem; }
  @media (max-width: 860px) {
    .hero-grid { grid-template-columns: 1fr; }
    .hero-copy { padding: 56px 0 8px; }
    .hero-photo img { width: min(72%, 280px); }
    .stats .wrap { grid-template-columns: 1fr 1fr; }
    .stat { padding: 20px 16px; border-top: 1px solid var(--line); }
    .stat:nth-child(odd) { border-left: 0; padding-left: 0; }
    .stat:nth-child(-n+2) { border-top: 0; }
  }

  /* Who I help */
  .who { background: var(--mist); }
  .who-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
  .who-item { border-top: 4px solid var(--gold); padding-top: 22px; }
  .who-item p { margin-top: 12px; color: var(--soft); }
  @media (max-width: 860px) { .who-grid { grid-template-columns: 1fr; gap: 32px; } }

  /* Quick quote */
  .quote { background: var(--forest); color: var(--white); }
  .quote h2 { color: var(--white); }
  .quote .lead { color: rgba(255,255,255,.8); }
  .kq-grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: 0; border-radius: 18px; overflow: hidden; box-shadow: 0 30px 60px -30px rgba(0,0,0,.5); }
  @media (max-width: 900px) { .kq-grid { grid-template-columns: 1fr; } }
  .kq-form { background: var(--white); color: var(--text); padding: 12px 36px 20px; }
  .kq-step { border: 0; border-top: 1px solid var(--line); margin: 0; padding: 22px 0 24px; min-width: 0; }
  .kq-step:first-child { border-top: 0; }
  .kq-step legend { display: flex; align-items: center; gap: 12px; font-weight: 700; font-size: 1.12rem; color: var(--ink); padding: 0; margin-bottom: 14px; float: left; width: 100%; }
  .kq-step legend + * { clear: both; }
  .kq-num { display: inline-grid; place-items: center; flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--forest); color: var(--white); font-size: .88rem; font-weight: 800; }
  .kq-hint { margin: 0 0 10px; font-size: .92rem; color: var(--soft); clear: both; }
  .kq-input { font: inherit; color: var(--text); background: var(--mist); border: 1px solid var(--line); border-radius: 8px; padding: 11px 13px; width: 100%; max-width: 360px; }
  .kq-input:focus { outline: 3px solid var(--gold); outline-offset: 1px; }
  .kq-age { width: 92px; text-align: center; }
  .kq-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; max-width: 360px; margin: 10px 0; clear: both; }
  .kq-check { display: flex; align-items: center; gap: 10px; margin: 14px 0 4px; cursor: pointer; }
  .kq-check input { width: 18px; height: 18px; accent-color: var(--green); }
  .kq-stepper { display: flex; align-items: center; border: 1px solid var(--line); border-radius: 999px; background: var(--mist); }
  .kq-stepper button { font: inherit; font-size: 1.25rem; line-height: 1; width: 42px; height: 42px; border: 0; background: transparent; color: var(--ink); cursor: pointer; border-radius: 999px; }
  .kq-stepper button:disabled { opacity: .35; cursor: default; }
  .kq-stepper output { min-width: 28px; text-align: center; font-weight: 700; font-variant-numeric: tabular-nums; }
  .kq-kids { display: flex; flex-wrap: wrap; gap: 10px; max-width: 360px; }
  .kq-kids label { display: flex; flex-direction: column; font-size: .85rem; color: var(--soft); gap: 4px; }
  .kq-money { display: flex; align-items: center; gap: 8px; max-width: 360px; font-size: 1.3rem; font-weight: 700; clear: both; }
  .kq-money .kq-input { font-size: 1em; font-weight: 700; font-variant-numeric: tabular-nums; max-width: 190px; }
  .kq-per { font-size: .68em; font-weight: 400; color: var(--soft); }
  .kq-range { width: 100%; max-width: 360px; margin-top: 14px; accent-color: var(--green); }
  .kq-seg { display: inline-flex; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; clear: both; }
  .kq-seg label { position: relative; cursor: pointer; }
  .kq-seg input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
  .kq-seg span { display: block; padding: 11px 28px; background: var(--mist); font-weight: 600; }
  .kq-seg label + label span { border-left: 1px solid var(--line); }
  .kq-seg input:checked + span { background: var(--forest); color: var(--white); }
  .kq-seg input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: -3px; }

  .kq-result { background: var(--ink); padding: 34px 32px; display: flex; flex-direction: column; }
  .kq-result-title { font-size: 1rem; font-weight: 500; color: rgba(255,255,255,.72); margin: 0 0 14px; }
  .kq-est { padding: 20px 0; border-top: 1px solid rgba(255,255,255,.14); }
  .kq-est:first-of-type { border-top: 0; padding-top: 0; }
  .kq-est-name { font-weight: 700; color: var(--white); display: flex; justify-content: space-between; gap: 10px; align-items: baseline; }
  .kq-est-tag { font-size: .8rem; font-weight: 500; color: rgba(255,255,255,.6); }
  .kq-big { font-size: clamp(2.8rem, 5.5vw, 4rem); font-weight: 900; line-height: 1; color: var(--gold-light); font-variant-numeric: tabular-nums; letter-spacing: -0.03em; margin-top: 10px; }
  .kq-big small { font-size: .38em; font-weight: 600; letter-spacing: 0; color: rgba(255,255,255,.75); margin-left: 4px; }
  .kq-big.kq-word { font-size: 2rem; }
  .kq-sub { margin-top: 8px; color: rgba(255,255,255,.82); font-size: .95rem; }
  .kq-mid { font-size: 2rem; font-weight: 800; color: var(--white); font-variant-numeric: tabular-nums; letter-spacing: -0.02em; margin-top: 6px; line-height: 1.1; }
  .kq-mid small { font-size: .5em; font-weight: 600; color: rgba(255,255,255,.7); margin-left: 3px; letter-spacing: 0; }
  .kq-mid.kq-word { font-size: 1.4rem; }
  .kq-verdict { margin-top: 4px; padding: 16px 18px; border-radius: 10px; background: rgba(255,255,255,.07); border-left: 3px solid var(--gold); line-height: 1.55; color: var(--white); font-size: .97rem; }
  .kq-verdict a { color: var(--gold-light); }
  .kq-result .btn { margin-top: 22px; width: 100%; }
  .kq-alt { display: block; text-align: center; margin-top: 12px; color: var(--white); }
  .kq-seg-sm span { padding: 9px 16px; }
  .kq-person { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin: 10px 0; clear: both; }
  .kq-person > label { min-width: 88px; }
  .kq-note { font-size: .85rem; color: var(--soft); margin-top: 4px; }
  .kq-fine { margin-top: 20px; font-size: .78rem; line-height: 1.5; color: rgba(255,255,255,.58); }
  .kq-sr, .sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

  /* How it works */
  .steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; counter-reset: step; }
  .step { padding: 32px 28px; border: 1px solid var(--line); border-radius: 14px; background: var(--white); }
  .step-n { font-size: 3.2rem; font-weight: 900; color: var(--gold); line-height: 1; letter-spacing: -0.04em; }
  .step h3 { margin-top: 18px; }
  .step p { margin-top: 10px; color: var(--soft); }
  .step a { display: inline-block; margin-top: 14px; font-weight: 700; }
  @media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }

  /* Coverage */
  .coverage { background: var(--mist); }
  .cov-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 64px; align-items: start; }
  .cov-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; column-gap: 36px; }
  .cov-list li { padding: 20px 0; border-bottom: 1px solid var(--line); }
  .cov-list b { display: block; color: var(--ink); font-size: 1.08rem; }
  .cov-list span { display: block; color: var(--soft); font-size: .95rem; margin-top: 4px; }
  @media (max-width: 860px) { .cov-grid { grid-template-columns: 1fr; gap: 28px; } .cov-list { grid-template-columns: 1fr; } }

  /* About */
  .about-grid { display: grid; grid-template-columns: 300px 1fr; gap: 64px; align-items: center; }
  .headshot { position: relative; width: 280px; height: 280px; }
  .headshot img { width: 100%; height: 100%; border-radius: 50%; object-fit: cover; position: relative; z-index: 1; }
  .headshot img { box-shadow: 0 20px 40px -24px rgba(15,58,43,.45); }
  .about-copy p { margin-top: 18px; max-width: 62ch; }
  .about-copy p:first-of-type { margin-top: 22px; }
  .sig { margin-top: 26px; font-weight: 800; color: var(--ink); font-size: 1.1rem; }
  .sig span { display: block; font-weight: 500; color: var(--soft); font-size: .95rem; }
  .about-copy .btn { margin-top: 28px; }
  @media (max-width: 860px) { .about-grid { grid-template-columns: 1fr; gap: 40px; } .headshot { width: 220px; height: 220px; margin-left: 16px; } }

  /* Reviews */
  .reviews { background: var(--forest); color: var(--white); }
  .reviews h2 { color: var(--white); }
  .reviews .lead { color: rgba(255,255,255,.8); }
  .rev-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
  .rev { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 14px; padding: 30px 30px 26px; margin: 0; }
  .rev blockquote { margin: 0; font-size: 1.12rem; line-height: 1.55; }
  .rev blockquote::before { content: "\201C"; display: block; font-size: 3.4rem; line-height: .8; color: var(--gold); font-weight: 900; margin-bottom: 8px; }
  .rev figcaption { margin-top: 16px; color: rgba(255,255,255,.65); font-size: .92rem; }
  .rev-cta { margin-top: 36px; display: flex; flex-wrap: wrap; gap: 14px; }
  @media (max-width: 860px) { .rev-grid { grid-template-columns: 1fr; } }

  /* FAQ */
  .faq-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 64px; align-items: start; }
  .faq details { border-bottom: 1px solid var(--line); }
  .faq summary { list-style: none; cursor: pointer; padding: 22px 40px 22px 0; font-weight: 700; font-size: 1.1rem; color: var(--ink); position: relative; }
  .faq summary::-webkit-details-marker { display: none; }
  .faq summary::after { content: "+"; position: absolute; right: 4px; top: 16px; font-size: 1.7rem; font-weight: 400; color: var(--green); transition: transform .2s; }
  .faq details[open] summary::after { transform: rotate(45deg); }
  .faq details p { padding: 0 0 22px; color: var(--soft); max-width: 62ch; }
  @media (max-width: 860px) { .faq-grid { grid-template-columns: 1fr; gap: 24px; } }

  /* States */
  .states { background: var(--mist); }
  .state-list { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
  .state-list li { background: var(--white); border: 1px solid var(--line); border-radius: 999px; padding: 9px 18px; font-weight: 600; color: var(--ink); }
  .state-list abbr { text-decoration: none; color: var(--green); font-weight: 800; margin-right: 6px; }
  .states-note { margin-top: 28px; color: var(--soft); }

  /* Final CTA */
  .final { background: var(--white); text-align: left; }
  .final-box { background: var(--forest); border-radius: 22px; padding: 64px 56px; position: relative; overflow: hidden; color: var(--white); }
  .final-box::after { content: ""; position: absolute; right: -120px; bottom: -160px; width: 360px; height: 360px; border: 34px solid var(--gold); border-radius: 50%; }
  .final-box h2 { color: var(--white); max-width: 16ch; position: relative; z-index: 1; }
  .final-box p { color: rgba(255,255,255,.82); margin-top: 16px; max-width: 46ch; position: relative; z-index: 1; }
  .final-box .hero-actions { position: relative; z-index: 1; }
  @media (max-width: 640px) { .final-box { padding: 44px 26px 120px; } }

  /* Footer */
  .footer { background: var(--ink); color: rgba(255,255,255,.75); padding: 64px 0 40px; font-size: .95rem; }
  .footer a { color: var(--white); }
  .foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; }
  .foot-grid h3 { color: var(--white); font-size: 1rem; margin-bottom: 12px; }
  .foot-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
  .foot-brand b { display: block; color: var(--white); font-size: 1.5rem; font-weight: 900; letter-spacing: -0.02em; }
  .foot-brand p { margin-top: 10px; max-width: 40ch; }
  .legal { margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); font-size: .82rem; color: rgba(255,255,255,.55); display: grid; gap: 8px; }
  @media (max-width: 860px) { .foot-grid { grid-template-columns: 1fr; gap: 32px; } }

  /* Mobile call bar */
  .callbar { display: none; }
  @media (max-width: 700px) {
    .callbar { display: grid; grid-template-columns: 1fr 1fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: var(--white); border-top: 1px solid var(--line); padding: 10px 12px calc(10px + env(safe-area-inset-bottom, 0px)); gap: 10px; }
    .callbar .btn { padding: 13px 10px; }
    body { padding-bottom: calc(76px + env(safe-area-inset-bottom, 0px)); }
    .section { padding: 72px 0; }
  }

/* ---------- Blog ---------- */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px 32px; }
@media (max-width: 960px) { .post-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .post-grid { grid-template-columns: 1fr; } }
.post-card { border-top: 4px solid var(--gold); padding-top: 18px; }
.post-card time { font-size: .88rem; color: var(--soft); }
.post-card h2, .post-card h3 { font-size: 1.22rem; font-weight: 700; letter-spacing: -0.01em; margin-top: 6px; line-height: 1.25; }
.post-card h2 a, .post-card h3 a { color: var(--ink); text-decoration: none; }
.post-card h2 a:hover, .post-card h3 a:hover { color: var(--green); text-decoration: underline; }
.post-card p { margin-top: 10px; color: var(--soft); font-size: .98rem; }

.blog-teaser { background: var(--white); }
.teaser-head { display: flex; justify-content: space-between; align-items: end; gap: 24px; flex-wrap: wrap; }

.blog-hero { background: var(--mist); padding: 80px 0 64px; border-bottom: 1px solid var(--line); }
.blog-hero h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 900; letter-spacing: -0.04em; max-width: 16ch; line-height: 1; }
.blog-list .post-grid { gap: 44px 36px; }

.post { padding: 64px 0 40px; }
.post-wrap { max-width: 780px; }
.crumbs a { font-weight: 600; text-decoration: none; }
.crumbs a::before { content: "\2190\00a0"; }
.post h1 { font-size: clamp(2rem, 4.4vw, 3rem); font-weight: 800; letter-spacing: -0.03em; line-height: 1.08; margin-top: 18px; }
.post-meta { display: flex; flex-wrap: wrap; gap: 6px 20px; margin-top: 18px; color: var(--soft); font-size: .95rem; padding-bottom: 26px; border-bottom: 1px solid var(--line); }
.post-meta span:first-child { color: var(--ink); font-weight: 600; }
.post-body { font-size: 1.12rem; line-height: 1.72; margin-top: 30px; }
.post-body p { margin: 0 0 1.1em; max-width: 68ch; }
.post-body h2 { font-size: 1.55rem; font-weight: 800; letter-spacing: -0.02em; margin: 1.8em 0 .6em; line-height: 1.2; }
.post-body ul { margin: 0 0 1.2em; padding-left: 1.3em; }
.post-body li { margin: .35em 0; }
.post-body li::marker { color: var(--green); }

.post-cta { background: var(--forest); color: var(--white); border-radius: 16px; padding: 34px 32px; margin-top: 44px; }
.post-cta h2 { color: var(--white); font-size: 1.6rem; font-weight: 800; letter-spacing: -0.02em; }
.post-cta p { color: rgba(255,255,255,.82); margin-top: 10px; max-width: 52ch; }
.post-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }

.author { display: flex; gap: 18px; align-items: center; margin-top: 36px; padding: 22px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.author img { width: 80px; height: 80px; border-radius: 50%; object-fit: cover; flex: none; }
.author b { display: block; color: var(--ink); font-size: 1.05rem; }
.author span { display: block; color: var(--soft); font-size: .95rem; margin-top: 2px; }

.more-posts { background: var(--mist); }
.more-posts h2 { margin-bottom: 32px; font-size: clamp(1.6rem, 3vw, 2.2rem); }
.narrow-center { max-width: 640px; }
.narrow-center h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); font-weight: 900; letter-spacing: -0.04em; }