:root {
  --navy: #2F4368;
  --blue: #98B3E4;
  --green: #99AB6A;
  --ink: #1a2332;
  --grey-700: #4a5568;
  --grey-500: #718096;
  --grey-200: #e2e8f0;
  --grey-100: #f7f9fc;
  --white: #ffffff;
  --cta: #2F4368;
  --cta-hover: #243554;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
}
a { color: var(--navy); }
.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.1rem 5vw;
  border-bottom: 1px solid var(--grey-200);
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 20;
}
.brand {
  font-family: system-ui, -apple-system, sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  color: var(--navy);
  text-decoration: none;
}
.nav {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  font-family: system-ui, -apple-system, sans-serif;
  font-size: 0.9rem;
}
.nav a { text-decoration: none; color: var(--grey-700); }
.nav a:hover, .nav a.active { color: var(--navy); }
.btn {
  display: inline-block;
  font-family: system-ui, -apple-system, sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  text-decoration: none;
  background: var(--cta);
  color: var(--white) !important;
  padding: 0.65rem 1.15rem;
  border-radius: 2px;
  border: none;
  cursor: pointer;
}
.btn:hover { background: var(--cta-hover); }
.btn-ghost {
  background: transparent;
  color: var(--navy) !important;
  border: 1px solid var(--navy);
}
.hero {
  padding: 5.5rem 5vw 4.5rem;
  background: linear-gradient(165deg, var(--grey-100) 0%, var(--white) 55%, #f3f6ee 100%);
}
.hero h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 500;
  margin: 0 0 1rem;
  color: var(--navy);
  max-width: 18ch;
  line-height: 1.15;
}
.hero .lede {
  font-size: 1.15rem;
  max-width: 38rem;
  color: var(--grey-700);
  margin: 0 0 2rem;
}
.band {
  background: var(--navy);
  color: var(--white);
  padding: 2.25rem 5vw;
}
.band p { margin: 0; max-width: 42rem; font-size: 1.05rem; }
.section { padding: 3.5rem 5vw; }
.section h2 {
  font-size: 1.75rem;
  color: var(--navy);
  font-weight: 500;
  margin: 0 0 1rem;
}
.muted {
  color: var(--grey-500);
  font-family: system-ui, sans-serif;
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0 0 0.75rem;
}
.grid-3 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
  margin-top: 1.5rem;
}
.card {
  border: 1px solid var(--grey-200);
  background: var(--white);
  padding: 1.5rem;
  border-top: 3px solid var(--green);
}
.card h3 { margin: 0 0 0.6rem; color: var(--navy); font-size: 1.15rem; font-weight: 500; }
.card p { margin: 0; color: var(--grey-700); font-size: 0.98rem; }
.steps { counter-reset: step; list-style: none; padding: 0; margin: 1.5rem 0 0; }
.steps li {
  position: relative;
  padding: 1.15rem 1.15rem 1.15rem 4.25rem;
  border: 1px solid var(--grey-200);
  margin-bottom: 0.75rem;
  background: var(--white);
}
.steps li::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 1rem;
  top: 1.1rem;
  width: 2.1rem;
  height: 2.1rem;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: system-ui, sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.steps strong { display: block; color: var(--navy); margin-bottom: 0.25rem; }
.fees {
  background: var(--grey-100);
  padding: 1.5rem;
  border-left: 3px solid var(--blue);
  margin-top: 1.5rem;
}
.form { max-width: 34rem; display: grid; gap: 1rem; }
label {
  display: grid;
  gap: 0.35rem;
  font-family: system-ui, sans-serif;
  font-size: 0.88rem;
  color: var(--grey-700);
}
input, textarea, select {
  font: inherit;
  padding: 0.7rem 0.8rem;
  border: 1px solid var(--grey-200);
  border-radius: 2px;
  background: var(--white);
}
textarea { min-height: 6rem; resize: vertical; }
.radio-row { display: flex; gap: 1.25rem; align-items: center; }
.radio-row label { display: flex; align-items: center; gap: 0.4rem; }
.site-footer {
  padding: 2rem 5vw;
  border-top: 1px solid var(--grey-200);
  font-family: system-ui, sans-serif;
  font-size: 0.82rem;
  color: var(--grey-500);
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.preview-banner {
  background: #243554;
  color: #dbe4f5;
  font-family: system-ui, sans-serif;
  font-size: 0.78rem;
  text-align: center;
  padding: 0.45rem 1rem;
}
@media (max-width: 720px) {
  .site-header { flex-wrap: wrap; }
  .nav { width: 100%; justify-content: space-between; }
}

.consult-hero h1 { max-width: 16ch; }
.consult-fee {
  font-family: system-ui, -apple-system, sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 1.5rem;
}
.consult-copy {
  max-width: 40rem;
  color: var(--grey-700);
  margin: 0 0 1rem;
}
.consult-disclaimer {
  max-width: 40rem;
  margin: 1.5rem 0 0;
  padding: 1.1rem 1.25rem;
  border-left: 3px solid var(--navy);
  background: var(--grey-100);
}
.consult-disclaimer p { margin: 0; color: var(--ink); }
.consult-how { padding-top: 0; }
.consult-pending {
  max-width: 40rem;
  margin-top: 1.5rem;
  color: var(--grey-700);
  font-size: 0.98rem;
}
.card a.card-link {
  display: inline-block;
  margin-top: 0.85rem;
  font-family: system-ui, sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  text-decoration: none;
}