:root{
  --paper:#fbfaf7; --surface:#ffffff; --tint:#f2f5f4;
  --ink:#17262f; --ink-soft:#4a5b66; --ink-faint:#78878f;
  --rule:#dfe3e0; --rule-soft:#ebeeec;
  --kai:#0b4a6f; --kai-mid:#0f6fa3; --kai-soft:#e6f0f6;
  --kalo:#2e8b46; --kalo-deep:#236d37; --kalo-soft:#e8f2ea;
  --sun:#b4661a; --sun-soft:#fbf0e4;
  --focus:#0f6fa3;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --paper:#0d1922; --surface:#132330; --tint:#162936;
    --ink:#e9eef0; --ink-soft:#a9bac4; --ink-faint:#7d8e98;
    --rule:#263c4a; --rule-soft:#1d3140;
    --kai:#7cc3e8; --kai-mid:#63b3d8; --kai-soft:#12303f;
    --kalo:#63bd7a; --kalo-deep:#7ccb90; --kalo-soft:#132c1c;
    --sun:#e0a163; --sun-soft:#2d2317;
    --focus:#7cc3e8;
  }
}
:root[data-theme="dark"]{
  --paper:#0d1922; --surface:#132330; --tint:#162936;
  --ink:#e9eef0; --ink-soft:#a9bac4; --ink-faint:#7d8e98;
  --rule:#263c4a; --rule-soft:#1d3140;
  --kai:#7cc3e8; --kai-mid:#63b3d8; --kai-soft:#12303f;
  --kalo:#63bd7a; --kalo-deep:#7ccb90; --kalo-soft:#132c1c;
  --sun:#e0a163; --sun-soft:#2d2317;
  --focus:#7cc3e8;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:"Source Sans 3",ui-sans-serif,system-ui,-apple-system,sans-serif;
  font-size:19px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--kai-mid)}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:3px solid var(--focus);outline-offset:2px;border-radius:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.wrap--narrow{max-width:760px}
.center{text-align:center}
.muted{color:var(--ink-faint)}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:100;background:var(--surface);padding:12px 18px;border:2px solid var(--kai-mid)}

h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;font-weight:600;
  letter-spacing:-.012em;text-wrap:balance;margin:0}
h1{font-size:clamp(2.1rem,4.6vw,3.1rem);line-height:1.1}
h2{font-size:clamp(1.55rem,2.9vw,2.15rem);line-height:1.18;margin-bottom:.5em}
h3{font-size:1.2rem;line-height:1.3;margin-bottom:.35em}
p{margin:0 0 1.05em}
p:last-child{margin-bottom:0}
.lede{font-size:1.14rem;color:var(--ink-soft);max-width:62ch}
.eyebrow{font-size:.8rem;font-weight:600;letter-spacing:.13em;text-transform:uppercase;
  color:var(--kalo-deep);margin:0 0 .7em}

/* ---------- header ---------- */
.site-head{position:sticky;top:0;z-index:50;background:var(--surface);
  border-bottom:1px solid var(--rule)}
.head-in{max-width:1120px;margin:0 auto;padding:12px 24px;display:flex;align-items:center;gap:20px}
.brand{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo{height:54px;width:auto;display:block}
@media (max-width:600px){.logo{height:42px}}
/* the logo is a full-colour lockup, so on a dark ground it sits on a light chip */
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]) .logo{background:#fff;padding:5px 9px;border-radius:8px}
}
:root[data-theme="dark"] .logo{background:#fff;padding:5px 9px;border-radius:8px}
.foot-logo{height:40px;width:auto;display:block;margin:0 0 14px}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]) .foot-logo{background:#fff;padding:5px 9px;border-radius:8px}
}
:root[data-theme="dark"] .foot-logo{background:#fff;padding:5px 9px;border-radius:8px}
.head-spacer{flex:1 1 auto}
.head-phone{display:inline-flex;align-items:center;gap:8px;font-weight:700;
  color:var(--kai);text-decoration:none;white-space:nowrap;font-size:1.02rem}
.head-phone:hover{text-decoration:underline}
.head-cta{padding:11px 18px;font-size:.97rem;white-space:nowrap}
@media (max-width:1080px){.head-phone span,.head-cta{font-size:.92rem}}
@media (max-width:820px){.head-cta{display:none}}
.navtoggle{display:none;background:var(--surface);border:1px solid var(--rule);
  border-radius:6px;padding:9px 13px;font:inherit;font-weight:600;color:var(--ink);cursor:pointer}
.site-nav{border-bottom:1px solid var(--rule);background:var(--tint)}
.site-nav ul{max-width:1120px;margin:0 auto;padding:0 16px;list-style:none;
  display:flex;flex-wrap:wrap;gap:0}
.site-nav a{display:block;padding:11px 9px;text-decoration:none;color:var(--ink-soft);
  font-size:.93rem;font-weight:600;border-bottom:3px solid transparent}
.site-nav a:hover{color:var(--ink)}
.site-nav a[aria-current="page"]{color:var(--kalo-deep);border-bottom-color:var(--kalo)}
@media (max-width:900px){
  .navtoggle{display:block}
  .site-nav{display:none}
  .site-nav.open{display:block}
  .site-nav ul{flex-direction:column;padding:6px 16px 12px}
  .site-nav a{padding:13px 4px;border-bottom:1px solid var(--rule-soft)}
  .site-nav a[aria-current="page"]{border-bottom-color:var(--kalo)}
}

/* ---------- hero ---------- */
.hero{background:var(--surface);border-bottom:1px solid var(--rule);padding:52px 0 48px}
.hero .lede{font-size:1.2rem;max-width:60ch}
.hero-in{display:grid;grid-template-columns:1.4fr .6fr;gap:44px;align-items:start}
@media (max-width:940px){.hero-in{grid-template-columns:1fr;gap:32px}}
.hero-aside{background:var(--kai-soft);border:1px solid var(--rule);border-radius:11px;
  padding:22px 22px 24px}
.hero-aside h2{font-size:1.08rem;margin-bottom:.45em}
.hero-aside .tel{display:block;font-family:"Source Serif 4",Georgia,serif;font-size:1.62rem;
  font-weight:600;color:var(--kai);text-decoration:none;line-height:1.15;margin-bottom:.35em}
.hero-aside .tel:hover{text-decoration:underline}
.hero-aside p{font-size:.95rem;color:var(--ink-soft);margin-bottom:.7em}
.hero-aside dl{margin:1em 0 0;padding-top:.9em;border-top:1px solid var(--rule);
  display:grid;gap:.55em;font-size:.92rem}
.hero-aside dt{font-weight:700;color:var(--ink)}
.hero-aside dd{margin:0;color:var(--ink-soft)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.6em 0 0}
.btn{display:inline-block;padding:14px 22px;border-radius:8px;text-decoration:none;
  font-weight:700;font-size:1.02rem;border:2px solid transparent;line-height:1.2}
.btn--primary{background:var(--kalo-deep);color:#fff;border-color:var(--kalo-deep)}
.btn--primary:hover{background:var(--kalo);border-color:var(--kalo)}
.btn--ghost{background:transparent;color:var(--kai);border-color:var(--kai)}
.btn--ghost:hover{background:var(--kai-soft)}
:root[data-theme="dark"] .btn--primary,
html:not([data-theme="light"]) .btn--primary{color:#08160d}
@media (prefers-color-scheme:light){:root:not([data-theme="dark"]) .btn--primary{color:#fff}}
:root[data-theme="light"] .btn--primary{color:#fff}
.trust{display:flex;flex-wrap:wrap;gap:8px 26px;margin:1.9em 0 0;padding:0;list-style:none;
  font-size:.95rem;color:var(--ink-soft);font-weight:600}
.trust li::before{content:"✓";color:var(--kalo-deep);font-weight:700;margin-right:7px}

/* ---------- bands ---------- */
.band{padding:52px 0;border-bottom:1px solid var(--rule-soft)}
.band--tint{background:var(--tint)}
.band--cta{background:var(--kai-soft);border-bottom:none}
.band > .wrap > .lede{margin-bottom:1.6em}

/* ---------- cards ---------- */
.cards{display:grid;gap:18px;margin-top:1.5em}
.cards--2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.cards--3{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.cards--4{grid-template-columns:repeat(auto-fit,minmax(235px,1fr))}
.card{background:var(--surface);border:1px solid var(--rule);border-radius:10px;padding:22px 22px 24px}
.card p{color:var(--ink-soft);font-size:1rem}
.card--link{text-decoration:none;color:var(--ink);display:flex;flex-direction:column;
  border-left:4px solid var(--kalo)}
.card--link:hover{border-color:var(--kai-mid);border-left-color:var(--kalo)}
.card--link h3{color:var(--kai)}
.card-more{margin-top:auto;padding-top:14px;color:var(--kalo-deep);font-weight:700;font-size:.97rem}

/* ---------- carriers ---------- */
.carrier-row{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;
  gap:10px 14px;align-items:center}
.carrier-row li{background:var(--surface);border:1px solid var(--rule);border-radius:999px;
  padding:7px 15px;font-size:.93rem;font-weight:600;color:var(--ink-soft)}

/* ---------- steps ---------- */
.steps{list-style:none;margin:1.5em 0 0;padding:0;display:grid;gap:22px;counter-reset:s}
.steps li{display:grid;grid-template-columns:46px 1fr;gap:18px;align-items:start}
.step-n{width:46px;height:46px;border-radius:50%;background:var(--kalo-soft);
  color:var(--kalo-deep);border:2px solid var(--kalo);display:grid;place-items:center;
  font-weight:700;font-size:1.1rem;font-variant-numeric:tabular-nums}
.steps p{color:var(--ink-soft);font-size:1rem}

/* ---------- definition list ---------- */
.deflist{margin:1.5em 0 1.3em}
.deflist dt{font-family:"Source Serif 4",Georgia,serif;font-size:1.12rem;font-weight:600;
  color:var(--kai);margin-top:1.15em;padding-top:1.15em;border-top:1px solid var(--rule)}
.deflist dt:first-child{margin-top:0;padding-top:0;border-top:none}
.deflist dd{margin:.35em 0 0;color:var(--ink-soft);font-size:1rem}

/* ---------- callout ---------- */
.callout{background:var(--sun-soft);border-left:4px solid var(--sun);
  border-radius:0 8px 8px 0;padding:17px 20px;margin:1.5em 0}
.callout-label{font-size:.78rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--sun);margin:0 0 .5em}
.callout p:last-child{margin-bottom:0;font-size:1rem}

/* ---------- faq ---------- */
.faq details{background:var(--surface);border:1px solid var(--rule);border-radius:9px;
  margin-bottom:11px}
.faq summary{cursor:pointer;padding:17px 20px;font-family:"Source Serif 4",Georgia,serif;
  font-size:1.1rem;font-weight:600;color:var(--kai);list-style:none;position:relative;
  padding-right:52px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:14px;font-size:1.5rem;
  font-family:"Source Sans 3",sans-serif;color:var(--kalo-deep);line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0;padding:0 20px 20px;color:var(--ink-soft);font-size:1rem;max-width:70ch}

/* ---------- misc ---------- */
.linklist{margin:1.4em 0 0;padding:0;list-style:none;display:grid;gap:1px;
  background:var(--rule);border:1px solid var(--rule);border-radius:9px;overflow:hidden}
.linklist li{background:var(--surface)}
.linklist a{display:block;padding:16px 20px;text-decoration:none;color:var(--kai);font-weight:600}
.linklist a:hover{background:var(--tint);text-decoration:underline}
.contact-grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.big-link{font-size:1.2rem;font-weight:700;text-decoration:none;color:var(--kai)}
.big-link:hover{text-decoration:underline}
.stats{display:flex;flex-wrap:wrap;gap:14px 34px;margin:1.6em 0 0;padding:0;list-style:none}
.stat{font-size:1rem;color:var(--ink-soft)}
.stat b{display:block;font-family:"Source Serif 4",Georgia,serif;font-size:1.7rem;
  color:var(--kalo-deep);font-weight:600}
.role{font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--kalo-deep);margin:0 0 .3em}


/* ---------- face row ---------- */
.facerow{list-style:none;margin:1.6em 0 0;padding:0;display:flex;flex-wrap:wrap;gap:22px 26px}
.facerow li{text-align:center;width:112px}
.facerow img{width:100px;height:100px;border-radius:50%;object-fit:cover;display:block;
  margin:0 auto .6em;border:3px solid var(--surface);box-shadow:0 0 0 1px var(--rule)}
.facerow span{font-size:.93rem;font-weight:600;color:var(--ink-soft)}

/* ---------- advisor bios ---------- */
.bios{display:grid;gap:22px;margin-top:1.6em}
.bio{background:var(--surface);border:1px solid var(--rule);border-radius:12px;
  padding:24px;display:grid;grid-template-columns:210px 1fr;gap:26px;align-items:start}
@media (max-width:760px){.bio{grid-template-columns:1fr;gap:18px}}
.bio-img{width:210px;height:210px;border-radius:10px;object-fit:cover;display:block;
  background:var(--tint);border:1px solid var(--rule)}
@media (max-width:760px){.bio-img{width:150px;height:150px}}
.bio h3{font-size:1.35rem;margin-bottom:.15em}
.bio .title{color:var(--kalo-deep);font-weight:600;font-size:.98rem;margin:0 0 .9em}
.tags{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 1.1em;padding:0;list-style:none}
.tags li{background:var(--kai-soft);color:var(--kai);border-radius:999px;padding:5px 12px;
  font-size:.83rem;font-weight:600}
.bio-meta{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px 24px;
  margin:0 0 1.2em;padding:1.1em 0 0;border-top:1px solid var(--rule-soft)}
.bio-meta > div{min-width:0}
.bio-meta dt{font-size:.72rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--ink-faint);margin:0}
.bio-meta dd{margin:.2em 0 0;font-size:.96rem}
.bio-bio{font-size:1rem;color:var(--ink-soft);max-width:68ch}
.bio-cta{margin-top:1.1em;display:flex;flex-wrap:wrap;gap:10px}
.bio-cta a{font-size:.95rem;padding:10px 16px}

/* ---------- form section ---------- */
.formband{padding:56px 0;background:var(--tint);border-top:1px solid var(--rule)}
.formcard{background:var(--surface);border:1px solid var(--rule);border-radius:12px;
  padding:30px 28px 34px;max-width:720px;margin:1.6em auto 0}
.formcard .hs-note{margin-top:1.4em;padding-top:1.2em;border-top:1px solid var(--rule-soft);
  font-size:.88rem;color:var(--ink-faint)}
.pv{display:grid;gap:15px}
.pv label{display:block;font-weight:600;font-size:.97rem;margin-bottom:5px}
.pv .req{color:var(--sun)}
.pv .f{width:100%;padding:12px 13px;border:1px solid var(--rule);border-radius:7px;
  background:var(--paper);color:var(--ink-faint);font:inherit;font-size:1rem}
.pv textarea.f{min-height:86px}
.pv .consent{display:grid;grid-template-columns:24px 1fr;gap:11px;align-items:start;
  background:var(--paper);border:1px solid var(--rule);border-radius:8px;padding:15px}
.pv .consent .box{width:20px;height:20px;border:2px solid var(--ink-faint);border-radius:4px;margin-top:2px}
.pv .consent p{font-size:.9rem;color:var(--ink-soft);margin:0}
.pv .fake-btn{background:var(--kalo-deep);color:#fff;padding:14px 22px;border-radius:8px;
  font-weight:700;text-align:center;font-size:1.02rem}
.previewnote{background:var(--sun-soft);border:1px dashed var(--sun);border-radius:8px;
  padding:13px 17px;font-size:.9rem;color:var(--ink-soft);margin-bottom:1.4em}
.previewnote b{color:var(--sun)}

/* ---------- footer ---------- */
.site-foot{background:var(--surface);border-top:1px solid var(--rule);padding:44px 0 34px;
  font-size:.95rem}
.foot-grid{display:grid;gap:28px;grid-template-columns:2fr 1fr 1fr}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr}}
.site-foot h4{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--ink-faint);margin:0 0 .8em}
.site-foot ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}
.site-foot a{color:var(--kai-mid);text-decoration:none}
.site-foot a:hover{text-decoration:underline}
.site-foot p{color:var(--ink-soft);font-size:.95rem}
.legal{margin-top:32px;padding-top:22px;border-top:1px solid var(--rule);
  font-size:.83rem;color:var(--ink-faint);max-width:80ch}
.legal p{font-size:.83rem;color:var(--ink-faint)}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}