:root{
  --navy:#14284B; --navy-2:#1D3560; --ink:#14284B; --muted:#4A5468; --paper:#FFFFFF; --mist:#F6F4EF; --line:#E4DFD3;
  --gold:#C9A227; --gold-ink:#765C0E; --gold-soft:#F7EED2; --teal-soft:#ECEFF5;
  --crisis-bg:#FFF6E8; --crisis-ink:#6B4300; color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.6 Manrope,system-ui,-apple-system,"Segoe UI",sans-serif}
h1,h2,h3{font-family:Newsreader,Georgia,serif;font-optical-sizing:auto;font-weight:500;line-height:1.1;text-wrap:balance;margin:0;color:var(--ink)}
a{color:var(--navy)}
img{max-width:100%;display:block}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:1180px;margin:0 auto;padding-inline:20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:9}
/* header */
header.top{position:sticky;top:0;z-index:5;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);padding-block:14px;padding-top:calc(14px + env(safe-area-inset-top,0px))}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;text-decoration:none;color:var(--navy);line-height:0}.brand .brand-mark{height:34px;width:auto}.brand-sub{font:600 11px/1 Manrope,sans-serif;letter-spacing:.32em;text-transform:uppercase;padding-left:12px;margin-left:12px;border-left:1.5px solid var(--gold);line-height:22px;white-space:nowrap}
/* buttons */
.btn{display:inline-block;font:700 16px/1 Manrope,sans-serif;background:var(--navy);color:#fff;border:0;border-radius:999px;padding:16px 26px;cursor:pointer;text-decoration:none}
.btn:hover{background:var(--navy-2)}
.btn.gold{background:var(--gold);color:var(--navy)}
.btn.gold:hover{background:#D8B443}
.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.light{background:#fff;color:var(--navy)}
/* hero */
.hero{position:relative;padding-block:64px 40px;background:linear-gradient(180deg,var(--mist) 0%,#fff 100%)}
.hero .wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:56px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font:700 13px/1 Manrope,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink);background:var(--gold-soft);padding:9px 14px;border-radius:999px;margin-bottom:22px}
.eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold)}
.hero h1{font-size:clamp(40px,5.4vw,66px);font-weight:600;letter-spacing:-.01em}
.hero h1 em{font-style:normal;color:var(--gold-ink)}
.lede{font-size:20px;color:var(--muted);max-width:32em;margin:20px 0 0}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.photo{position:relative;border-radius:24px;overflow:hidden;background:var(--teal-soft)}
.photo img{width:100%;height:100%;object-fit:cover}
.hero .photo{aspect-ratio:5/4;box-shadow:0 30px 70px -30px rgba(20,40,75,.45)}
.badge{position:absolute;left:18px;bottom:18px;display:flex;align-items:center;gap:10px;background:#fff;color:var(--navy);border-radius:14px;padding:12px 16px;font:700 15px/1.2 Manrope,sans-serif;box-shadow:0 10px 30px -12px rgba(20,40,75,.4)}
.badge i{width:10px;height:10px;border-radius:50%;background:var(--gold);flex:none}
.hero3{position:relative;height:min(88vh,860px);min-height:560px;overflow:hidden;background:var(--navy);color:#fff;display:flex;align-items:flex-end;justify-content:center;text-align:center}
.h-slider{position:absolute;inset:0;overflow:hidden}
.h-track{display:flex;height:100%;will-change:transform}
.h-slide{flex:0 0 100%;height:100%}
.h-slide img{width:100%;height:100%;object-fit:cover}
.h-shade{position:absolute;inset:0;background:radial-gradient(70% 60% at 50% 58%,rgba(20,40,75,.45),rgba(20,40,75,0) 75%),linear-gradient(180deg,rgba(20,40,75,.35) 0%,rgba(20,40,75,.3) 40%,rgba(20,40,75,.78) 85%,rgba(20,40,75,.9) 100%)}
.h-copy{position:relative;z-index:2;padding:0 20px 128px;max-width:980px}
.hero3 .eyebrow{background:rgba(255,255,255,.14);color:#fff;backdrop-filter:blur(6px)}
.hero3 h1{color:#fff;font-size:clamp(44px,7.6vw,96px);font-weight:600;letter-spacing:-.01em;line-height:1.02;margin:18px auto 0;text-shadow:0 2px 30px rgba(0,0,0,.25)}
.hero3 h1 em{font-style:normal;color:var(--gold)}
.hero3 .lede{color:rgba(255,255,255,.9);margin:20px auto 0;max-width:32em;font-size:clamp(17px,2vw,21px)}
.hero3 .actions{justify-content:center;margin-top:30px}
.btn.light{background:#fff;color:var(--navy);border-color:#fff}
.btn.light:hover{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.ghost.light{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.ghost.light:hover{background:#fff;color:var(--navy)}
.h-dots{position:absolute;z-index:2;left:50%;bottom:72px;transform:translateX(-50%);display:flex;gap:8px}
.h-dots button{width:8px;height:8px;padding:0;border:0;border-radius:999px;background:rgba(255,255,255,.5);cursor:pointer;transition:width .3s,background .3s}
.h-dots button[aria-current]{width:26px;background:#fff}
.h-dots button:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
/* scroll reveal */
.rv .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.rv .reveal.in{opacity:1;transform:none}
@media (max-width:760px){
  .hero3{height:82vh;min-height:540px}.h-copy{padding-bottom:104px}.h-dots{bottom:56px}
}
/* facts band */
.facts-band{background:var(--navy);color:#fff;padding-block:34px}
.facts-band ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:16px;text-align:center}
.facts-band b{display:block;font:800 30px/1.1 Manrope,sans-serif;color:var(--gold)}
.facts-band span{display:block;font-size:15px;color:#D6DCE8;margin-top:6px}
section{padding-block:84px}
section.mist{background:var(--mist);border-block:1px solid var(--line)}
section.dark{background:var(--navy);color:#fff}
section.dark h2,section.dark h3{color:#fff}
section.dark .sec-sub,section.dark p{color:#D6DCE8}
.kicker{display:block;font:700 13px/1 Manrope,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:14px}
section.dark .kicker{color:var(--gold)}
.sec-title{font-size:clamp(30px,4vw,44px);font-weight:600;letter-spacing:-.01em}
.sec-sub{color:var(--muted);font-size:19px;max-width:38em;margin:12px 0 0}
.center{text-align:center}.center .sec-sub{margin-inline:auto}
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split .photo{aspect-ratio:4/3}
.split.rev .photo{order:2}
/* steps */
.steps{list-style:none;margin:28px 0 0;padding:0;counter-reset:s;display:grid;gap:22px}
.steps li{counter-increment:s;display:grid;grid-template-columns:46px 1fr;gap:16px;align-items:start}
.steps li::before{content:counter(s);display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--gold-soft);color:var(--gold-ink);font:800 18px/1 Manrope,sans-serif}
.steps h3{font-size:20px;margin:9px 0 4px}
.steps p{margin:0;color:var(--muted)}
/* cards */
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:40px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px}
.card h3{font-size:20px;margin:14px 0 6px}
.card p{margin:0;color:var(--muted);font-size:16px}
section.dark .card{background:var(--navy-2);border-color:#2A4170}
section.dark .card p{color:#C5CDDD}
.ico{width:46px;height:46px;border-radius:12px;background:var(--gold-soft);display:grid;place-items:center;color:var(--gold-ink)}
section.dark .ico{background:rgba(201,162,39,.16);color:var(--gold)}
/* fees */
.prices{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:920px;margin:36px auto 0}
.price-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px 30px 28px}
.pc-head h3{font:600 24px/1.2 Newsreader,Georgia,serif;margin:0}
.pc-head span{display:block;margin-top:4px;color:var(--muted);font-size:15px}
.pc-rows{list-style:none;margin:22px 0 0;padding:0;border-top:1px solid var(--line)}
.pc-rows li{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:17px}
.pc-rows small{display:block;color:var(--muted);font-size:14px;margin-top:2px}
.pc-rows b{font:800 26px/1 Manrope,sans-serif;color:var(--navy);white-space:nowrap}
.pc-notes{list-style:none;margin:18px 0 22px;padding:0;display:grid;gap:8px;font-size:15px;color:var(--muted)}
.pc-notes li{display:flex;gap:10px;align-items:flex-start}
.pc-notes li::before{content:"";flex:none;width:7px;height:7px;margin-top:8px;border-radius:50%;background:var(--gold)}
.price-card .btn{margin-top:auto;align-self:flex-start}
@media (max-width:760px){.prices{grid-template-columns:1fr}.price-card{padding:24px 20px}}
.note{font-size:14px;color:var(--muted);margin-top:18px}
section.dark .note{color:#B3BDD1}
section.dark .note a{color:#fff}
/* faq */
.faq{max-width:840px;margin:36px auto 0}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;padding:20px 4px;font:700 18px/1.35 Manrope,sans-serif}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:500 26px/1 Manrope,sans-serif;color:var(--gold-ink);flex:none}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 4px 20px;color:var(--muted)}
/* forms */
.join{display:grid;grid-template-columns:1fr 1fr;border-radius:24px;overflow:hidden;border:1px solid var(--line);background:#fff;box-shadow:0 30px 70px -40px rgba(20,40,75,.35)}
.join .photo{border-radius:0;min-height:100%}
.form{padding:38px}
.form h2{font-size:28px}
.form p.small{font-size:15px;color:var(--muted);margin:6px 0 14px}
label{display:block;font-weight:600;font-size:15px;margin:14px 0 6px}
input,select,textarea{width:100%;font:inherit;font-size:16px;color:var(--ink);background:var(--mist);border:1px solid var(--line);border-radius:10px;padding:12px}
.form .btn{width:100%;margin-top:22px;border-radius:12px}
.hidden{position:absolute;left:-9999px}
.who-list{list-style:none;margin:22px 0 0;padding:0;display:grid;gap:12px}
.who-list li{display:flex;gap:12px;align-items:flex-start;font-size:18px}
.who-list li::before{content:"";flex:none;width:10px;height:10px;margin-top:9px;border-radius:50%;background:var(--gold)}
.page-hero{padding-block:76px 60px;background:linear-gradient(180deg,var(--mist) 0%,#fff 100%);text-align:center}
.page-hero h1{font-size:clamp(40px,6vw,64px);font-weight:600;letter-spacing:-.01em;max-width:15em;margin:0 auto}
.page-hero p{font-size:20px;color:var(--muted);max-width:36em;margin:22px auto 0}
.page-hero .actions{justify-content:center}
.cta-band{text-align:center}
.cta-band .actions{justify-content:center}
.states{padding-block:48px;background:var(--mist);border-top:1px solid var(--line)}
.states h2{font-size:22px;font-weight:600;margin-bottom:18px}
.state-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.state-list a{display:flex;flex-direction:column;gap:4px;height:100%;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;text-decoration:none;color:var(--ink);transition:border-color .15s}
.state-list a:hover{border-color:var(--gold)}
.state-list b{font:800 18px/1.2 Manrope,sans-serif}
.state-list span{color:var(--muted);font-size:15px}
.state-list .other a{background:transparent;border-style:dashed}
@media (max-width:760px){.state-list{grid-template-columns:1fr}}
.crisis{background:var(--crisis-bg);color:var(--crisis-ink);padding-block:18px;font-size:15px}
footer{background:var(--navy);color:#C5CDDD;padding-block:44px;padding-bottom:calc(44px + env(safe-area-inset-bottom,0px));font-size:15px}
footer a{color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
.fgrid h4{font:700 13px Manrope,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin:0 0 12px}
.fgrid ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.fgrid ul a{text-decoration:none}
.fbrand{display:flex;align-items:center;color:#fff;line-height:0}.fbrand .brand-mark{height:44px;width:auto}.fbrand .brand-sub{font-size:12px}
.fbottom{border-top:1px solid #2A4170;margin-top:30px;padding-top:20px;font-size:14px}
@media (max-width:980px){
  .hero .wrap,.split,.join{grid-template-columns:1fr}
  .hero{padding-block:32px 32px}.hero .wrap{gap:32px}
  .split{gap:32px}.split.rev .photo{order:0}
  .grid3{grid-template-columns:1fr}
  .grid4{grid-template-columns:1fr 1fr}
  .facts-band ul{grid-template-columns:1fr 1fr;gap:22px}
  .facts-band li:last-child{grid-column:1/-1}
  .grid2{grid-template-columns:1fr}
  .join .photo{aspect-ratio:16/10}
  section{padding-block:56px}
  .form{padding:26px 20px}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){.grid4{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:no-preference){.btn{transition:background .15s ease,color .15s ease}}

/* referrals */
.r-steps{list-style:none;counter-reset:r;margin:24px 0 0;padding:0;display:grid;gap:18px}
.r-steps li{counter-increment:r;position:relative;padding-left:48px}
.r-steps li::before{content:counter(r);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--gold);color:var(--navy);font:800 15px/32px Manrope,sans-serif;text-align:center}
.r-steps b{display:block;color:#fff;font:700 17px/1.3 Manrope,sans-serif}
.r-steps span{display:block;color:#D6DCE8;font-size:15px;margin-top:2px}
.r-h{font-size:15px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-ink);margin:22px 0 2px}
.r-check{display:flex;gap:10px;align-items:flex-start;font-weight:500;margin-top:20px;line-height:1.4}
.r-check input{width:18px;height:18px;margin-top:2px;flex:none}

/* help tiles */
.help-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:36px}
.help-tile{position:relative;display:block;padding:24px 56px 24px 24px;border:1px solid var(--line);border-radius:18px;background:#fff;text-decoration:none;color:var(--navy);transition:transform .2s,box-shadow .2s,border-color .2s}
.help-tile:hover{transform:translateY(-3px);box-shadow:0 18px 40px -24px rgba(20,40,75,.45);border-color:var(--gold)}
.help-tile small{display:block;font:700 11px/1.2 Manrope,sans-serif;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-ink)}
.help-tile b{display:block;margin-top:6px;font:800 20px/1.25 Manrope,sans-serif}
.help-tile span{position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:20px;color:var(--gold-ink);transition:right .2s}
.help-tile:hover span{right:16px}
@media (max-width:760px){
  .help-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
  .help-tile{padding:18px 34px 18px 16px}.help-tile b{font-size:16px}.help-tile span{right:12px}
}
.hero3{height:auto;min-height:max(640px,min(88vh,860px))}
.h-copy{padding-top:120px}
@media (max-width:760px){.hero3{min-height:560px}.h-copy{padding-top:72px}}

/* pause controls (WCAG 2.2.2) */
.i-play{display:none}.is-paused .i-play{display:inline}.is-paused .i-pause{display:none}
.h-pause{width:28px;height:28px;margin-left:6px;border-radius:50%;border:1px solid rgba(255,255,255,.7);background:rgba(20,40,75,.35);color:#fff;display:grid;place-items:center;cursor:pointer;padding:0}
.h-dots{align-items:center}
.h-pause:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

.prices.one{grid-template-columns:1fr;max-width:560px;margin-inline:auto}

/* ===== v3 premium sections ===== */
.feature{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.feature.rev .feature-copy{order:2}
.sec-sub.left{margin-left:0;text-align:left}
.fam-panel{background:#fff;border:1px solid var(--line);border-radius:28px;padding:16px;box-shadow:0 30px 60px -40px rgba(20,40,75,.45)}
.fam-row{display:flex;gap:16px;align-items:flex-start;padding:20px 18px;border-bottom:1px solid var(--line)}
.fam-row p{margin:0;color:var(--muted)}
.fam-row .tag{flex:none;min-width:76px;text-align:center;padding:8px 12px;border-radius:999px;background:var(--navy);color:var(--gold);font:800 13px/1 Manrope,sans-serif;letter-spacing:.04em}
.cta-band{padding-block:72px;text-align:center;color:#fff;background:radial-gradient(80% 120% at 50% 0%,rgba(201,162,39,.25),transparent 60%),var(--navy)}
.cta-band h2{color:#fff;font-size:clamp(30px,4.4vw,48px);letter-spacing:-.025em;max-width:16em;margin:0 auto}
.cta-band p{color:#D6DCE8;margin:14px auto 0;font-size:18px}
.cta-band .actions{justify-content:center;margin-top:28px}
.cta-band .kicker{color:var(--gold)}
.cta-band .btn{background:var(--gold);color:var(--navy)}
.cta-band .btn:hover{background:#D8B443}
.cta-band .btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.7)}
.cta-band .btn.ghost:hover{background:#fff;color:var(--navy);border-color:#fff}
.m-cta{display:none}
@media (max-width:980px){.feature{grid-template-columns:1fr;gap:40px}.feature.rev .feature-copy{order:0}}
@media (max-width:760px){
  .m-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:50;transform:translateY(140%);transition:transform .3s ease}
  .m-cta.on{transform:none}
  .m-cta .btn{display:block;text-align:center;padding:16px;border-radius:14px;box-shadow:0 18px 40px -12px rgba(0,0,0,.5)}
  .fam-row{flex-direction:column;gap:10px}
}
@media (prefers-reduced-motion:reduce){.m-cta{transition:none}}

.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* trust strip */
.trust-strip{background:var(--mist);border-bottom:1px solid var(--line);padding-block:18px}
.trust-strip ul,.trust-inline{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:8px 28px;font:600 15px/1.4 Manrope,sans-serif;color:var(--navy)}
.trust-strip li,.trust-inline li{display:inline-flex;align-items:center;gap:10px}
.trust-strip li::before,.trust-inline li::before{content:"";flex:none;width:6px;height:6px;border-radius:50%;background:var(--gold)}
.trust-inline{justify-content:flex-start;margin-top:22px}
/* why lumen (no icons) */
.why-grid{text-align:left}
.why-grid .card h3{margin-top:0}
.fam-row:last-child{border-bottom:0}
/* footer column titles (h3 for heading order) */
.fgrid h3{font:700 13px Manrope,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin:0 0 12px}
/* focus: darker ring on light backgrounds, gold on dark */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,textarea:focus-visible{outline-color:var(--navy)}
footer :focus-visible,section.dark :focus-visible,.hero3 :focus-visible,.cta-band :focus-visible,.facts-band :focus-visible,.m-cta :focus-visible{outline-color:var(--gold)}
/* small screens */
html,body{overflow-x:clip}
@media (max-width:560px){
  section{padding-block:48px}
  .sec-title{font-size:clamp(28px,8vw,34px)}
  .sec-sub,.lede,.page-hero p{font-size:17px}
  main .btn{display:block;width:100%;text-align:center}
  main .btn + .btn{margin-top:10px}
  main .actions .btn + .btn{margin-top:0}
  .price-card .btn{align-self:stretch}
  .trust-strip ul{gap:6px 18px;font-size:14px}
  .hero3 h1{font-size:clamp(38px,11vw,44px)}
}
@media (max-width:340px){.help-grid{grid-template-columns:minmax(0,1fr)}}
.help-tile{min-width:0;overflow-wrap:anywhere}