:root{
    --navy:#001935; --navy-2:#06223f; --navy-deep:#00101f; --navy-soft:#0a2747;
    --navy-line:rgba(210,138,37,.22);
    --gold:#d28a25; --gold-lo:#b9761c; --gold-hi:#f0b454; --gold-pale:#f6d9a6;
    --cream:#f7f3ec; --paper:#fcfaf5; --paper-2:#f4efe6;
    --ink:#11233c; --ink-soft:#3a4a61; --muted:#5d6b7e; --muted-light:rgba(247,243,236,.74);
    --r:16px; --maxw:1220px; --ease:cubic-bezier(.22,.7,.2,1);
    --shadow:0 30px 70px -34px rgba(0,18,40,.5);
    --gold-grad:linear-gradient(135deg,#f0b454 0%,#d28a25 52%,#a9670f 100%);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:'Figtree',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
  .serif{font-family:'Cormorant Garamond',Georgia,serif}
  h1,h2,h3{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1.08;letter-spacing:.005em}
  a{color:inherit;text-decoration:none}
  img{max-width:100%;display:block}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 30px}
  .eyebrow{font-family:'Figtree',sans-serif;font-size:.72rem;letter-spacing:.34em;text-transform:uppercase;font-weight:600;color:var(--gold-lo);display:inline-flex;align-items:center;gap:12px}
  .eyebrow::before{content:"";width:26px;height:1.5px;background:var(--gold-grad)}
  .eyebrow.on-dark{color:var(--gold-hi)}
  .eyebrow.center{justify-content:center}
  section{position:relative}
  .gold-text{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}

  #progress{position:fixed;top:0;left:0;height:2px;width:0;z-index:130;background:var(--gold-grad)}

  /* ===== NAV ===== */
  header.nav{position:fixed;top:0;left:0;right:0;z-index:100;transition:all .45s var(--ease)}
  header.nav.scrolled{background:rgba(0,16,31,.9);backdrop-filter:blur(16px) saturate(140%);box-shadow:0 1px 0 var(--navy-line)}
  .nav-in{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:16px;padding-bottom:16px;transition:padding .4s var(--ease)}
  header.nav.scrolled .nav-in{padding-top:11px;padding-bottom:11px}
  .brand{display:flex;align-items:center;gap:13px}
  .brand img{height:46px;width:auto;transition:height .45s var(--ease)}
  header.nav.scrolled .brand img{height:38px}
  .navlinks{display:flex;align-items:center;gap:34px}
  .navlinks a{color:var(--muted-light);font-size:.9rem;font-weight:500;letter-spacing:.01em;position:relative;transition:color .25s}
  .navlinks a::after{content:"";position:absolute;left:0;bottom:-7px;height:1.5px;width:0;background:var(--gold-grad);transition:width .35s var(--ease)}
  .navlinks a:hover{color:#fff}.navlinks a:hover::after{width:100%}
  .btn{display:inline-flex;align-items:center;gap:9px;font-family:'Figtree',sans-serif;font-weight:600;font-size:.9rem;letter-spacing:.01em;padding:13px 25px;border-radius:999px;cursor:pointer;border:1px solid transparent;transition:transform .3s var(--ease),box-shadow .35s,background .3s,color .3s;white-space:nowrap}
  .btn-gold{background:var(--gold-grad);color:#1a1002;box-shadow:0 14px 30px -12px rgba(210,138,37,.7)}
  .btn-gold:hover{transform:translateY(-2px);box-shadow:0 20px 40px -12px rgba(210,138,37,.85)}
  .btn-ghost{border-color:rgba(247,243,236,.4);color:#fff}
  .btn-ghost:hover{border-color:var(--gold-hi);color:var(--gold-hi);transform:translateY(-2px)}
  .btn-dark{background:var(--navy);color:#fff}.btn-dark:hover{transform:translateY(-2px);background:#06223f}
  .nav-cta{display:flex;align-items:center;gap:20px}
  .nav-phone{color:var(--gold-hi);font-weight:600;font-size:.9rem;letter-spacing:.01em}
  .burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
  .burger span{width:24px;height:2px;background:#fff;transition:.3s}

  /* ===== UTILITY BAR ===== */
  .topbar{background:rgba(0,9,20,.5);border-bottom:1px solid rgba(255,255,255,.07);max-height:46px;overflow:hidden;transition:max-height .4s var(--ease),opacity .3s,border-color .3s}
  header.nav.scrolled .topbar{max-height:0;opacity:0;border-color:transparent}
  .tb-in{display:flex;align-items:center;justify-content:space-between;padding:11px 0}
  .tb-note{color:var(--muted-light);letter-spacing:.16em;text-transform:uppercase;font-size:.66rem;font-weight:600}
  .tb-links{display:flex;align-items:center;gap:15px}
  .tb-links a{color:var(--muted-light);font-weight:500;font-size:.8rem;transition:color .2s;display:inline-flex;align-items:center;gap:6px}
  .tb-links a:hover{color:var(--gold-hi)}
  .tb-sep{width:1px;height:12px;background:rgba(255,255,255,.18)}

  /* ===== MEGA DROPDOWN ===== */
  .has-mega{position:relative}
  .mega-trigger{cursor:pointer;display:inline-flex;align-items:center;gap:6px}
  .mega-trigger svg{transition:transform .3s var(--ease)}
  .has-mega:hover .mega-trigger svg,.has-mega:focus-within .mega-trigger svg{transform:rotate(180deg)}
  .mega{position:absolute;top:calc(100% + 16px);left:0;width:640px;background:#04203a;border:1px solid var(--navy-line);border-radius:16px;box-shadow:0 44px 90px -30px rgba(0,0,0,.65);padding:28px;display:grid;grid-template-columns:1fr 1fr 1.05fr;gap:8px 30px;opacity:0;visibility:hidden;pointer-events:none;transform:translateY(8px);transition:opacity .28s var(--ease),transform .28s var(--ease),visibility .28s}
  .has-mega:hover .mega,.has-mega:focus-within .mega{opacity:1;visibility:visible;pointer-events:auto;transform:none}
  .mega::before{content:"";position:absolute;top:-16px;left:0;right:0;height:16px}
  .mega-h{font-family:'Figtree',sans-serif;font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-hi);font-weight:600;margin-bottom:14px}
  .mega-col a:not(.btn){display:block;color:var(--muted-light);font-size:.92rem;font-weight:500;padding:7px 0;transition:color .2s,padding-left .2s}
  .mega-col a:not(.btn):hover{color:#fff;padding-left:5px}
  .mega-feature{background:rgba(210,138,37,.06);border:1px solid var(--navy-line);border-radius:12px;padding:20px}
  .mega-feature p{color:var(--muted-light);font-size:.86rem;font-weight:300;margin:0 0 16px;line-height:1.55}
  .mega-feature .btn{padding:11px 18px;font-size:.82rem}

  /* ===== HERO (animated carousel) ===== */
  .hero{position:relative;min-height:100vh;display:flex;align-items:center;padding:190px 0 130px;overflow:hidden;color:#fff;background:var(--navy)}
  .hero-slides{position:absolute;inset:0;z-index:0}
  .hslide{position:absolute;inset:0;opacity:0;transition:opacity 1.2s var(--ease);z-index:0}
  .hslide.is-active{opacity:1;z-index:1}
  .hero-media{position:absolute;inset:0;overflow:hidden}
  .hero-media img{position:absolute;inset:-6%;width:112%;height:112%;object-fit:cover}
  .hslide.is-active .hero-media img{animation:kenburns 9s var(--ease) forwards;will-change:transform}
  @keyframes kenburns{from{transform:scale(1.03)}to{transform:scale(1.15) translate(-2%,-2%)}}
  .hero-scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(105deg,rgba(0,16,31,.93) 0%,rgba(0,18,40,.82) 42%,rgba(0,18,40,.5) 70%,rgba(0,18,40,.62) 100%)}
  .hero-scrim::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,var(--navy),transparent 28%)}
  .hero-content{position:relative;z-index:3;width:100%;min-height:392px}
  .hcontent{position:absolute;top:0;left:0;right:0;max-width:780px;opacity:0;transform:translateY(22px);transition:opacity .85s var(--ease),transform .85s var(--ease);pointer-events:none}
  .hcontent.is-active{opacity:1;transform:none;pointer-events:auto}
  .hero h1{font-size:clamp(2.7rem,5.4vw,5rem);color:#fff;margin:22px 0 0;font-weight:600;letter-spacing:-.01em;text-shadow:0 2px 30px rgba(0,8,20,.5)}
  .hero h1 em{font-style:italic;font-weight:500}
  .hero p.sub{font-size:clamp(1.05rem,1.4vw,1.24rem);color:rgba(247,243,236,.86);max-width:580px;margin:24px 0 36px;font-weight:300;line-height:1.7}
  .hero-cta{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
  .hero-dots{position:absolute;left:50%;transform:translateX(-50%);bottom:46px;z-index:4;width:100%;max-width:var(--maxw);padding:0 30px;display:flex;gap:11px;justify-content:flex-start}
  .hdot{width:40px;height:4px;border-radius:2px;border:0;background:rgba(255,255,255,.26);cursor:pointer;padding:0;transition:background .3s}
  .hdot:hover{background:rgba(255,255,255,.5)}
  .hdot.is-active{background:var(--gold)}

  /* ===== QUICK ACTIONS ===== */
  .quickacts{background:var(--paper);border-bottom:1px solid #ece3d2}
  .qa-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
  .qa{display:flex;align-items:center;gap:16px;padding:30px 26px;border-right:1px solid #ece3d2;transition:background .3s;position:relative}
  .qa:last-child{border-right:0}
  .qa:hover{background:#fff}
  .qa-ic{flex:0 0 auto;width:46px;height:46px;border-radius:12px;background:linear-gradient(140deg,#0a345f,var(--navy));display:flex;align-items:center;justify-content:center;border:1px solid rgba(210,138,37,.25)}
  .qa-txt{display:flex;flex-direction:column;gap:2px;min-width:0}
  .qa-t{font-family:'Figtree',sans-serif;font-weight:600;color:var(--navy);font-size:1rem}
  .qa-d{color:var(--muted);font-size:.82rem;font-weight:300}
  .qa-arrow{position:absolute;right:22px;top:50%;transform:translateY(-50%);color:var(--gold);opacity:0;transition:opacity .3s,transform .3s}
  .qa:hover .qa-arrow{opacity:1;transform:translateY(-50%) translateX(3px)}

  /* ===== FOOTER DISCLOSURES ===== */
  .foot-disclosures{padding:26px 0 4px;border-bottom:1px solid var(--navy-line)}
  .foot-disclosures p{max-width:none;font-size:.76rem;line-height:1.7;color:rgba(247,243,236,.5);font-weight:300}

  /* ===== STATS BAND ===== */
  .stats{background:var(--navy-deep);color:#fff;border-top:1px solid var(--navy-line)}
  .stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;padding:54px 30px}
  .stat{text-align:center;position:relative}
  .stat:not(:last-child)::after{content:"";position:absolute;right:-15px;top:14%;height:72%;width:1px;background:var(--navy-line)}
  .stat .big{font-family:'Cormorant Garamond',serif;font-size:clamp(2.2rem,3.4vw,3rem);font-weight:600;color:#fff;line-height:1}
  .stat .big .gold-text{font-weight:700}
  .stat .lab{font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted-light);margin-top:12px;font-weight:600}

  /* generic section spacing */
  .sec{padding:118px 0}
  .sec-head{max-width:760px;margin-bottom:60px}
  .sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
  .sec-head h2{font-size:clamp(2.2rem,4vw,3.4rem);margin:18px 0 0;font-weight:600}
  .sec-head p{color:var(--muted);font-size:1.1rem;margin-top:20px;max-width:660px;font-weight:300}
  .sec-head.center p{margin-left:auto;margin-right:auto}
  .sec-head.on-dark h2{color:#fff}.sec-head.on-dark p{color:var(--muted-light)}

  /* ===== SERVICES (image-header cards) ===== */
  .services{background:var(--paper)}
  .pillars{display:grid;grid-template-columns:1fr 1fr;gap:30px}
  .pillar{background:#fff;border:1px solid #ece3d2;border-radius:var(--r);box-shadow:0 24px 60px -42px rgba(0,18,40,.45);position:relative;overflow:hidden;display:flex;flex-direction:column;transition:transform .5s var(--ease),box-shadow .5s,border-color .5s}
  .pillar:hover{transform:translateY(-6px);box-shadow:0 44px 86px -44px rgba(0,18,40,.55);border-color:rgba(210,138,37,.4)}
  .pillar-media{position:relative;height:208px;overflow:hidden;background:var(--navy)}
  .pillar-media .parallax-img{position:absolute;left:0;top:-15%;width:100%;height:130%;object-fit:cover;will-change:transform;transition:transform 1.1s var(--ease)}
  .pillar:hover .pillar-media .parallax-img{transform:scale(1.05)}
  .pillar-media::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,#fff 0%,rgba(255,255,255,0) 42%),linear-gradient(125deg,rgba(0,18,40,.35),transparent 55%)}
  .pillar .pidx{position:absolute;top:16px;right:24px;z-index:3;font-family:'Cormorant Garamond',serif;font-size:3rem;font-weight:600;line-height:1;color:var(--gold-hi);opacity:.92;text-shadow:0 2px 14px rgba(0,8,20,.5);pointer-events:none}
  .pillar .picon{position:relative;z-index:3;width:58px;height:58px;border-radius:14px;background:linear-gradient(140deg,#0a345f,#06294c,var(--navy));display:flex;align-items:center;justify-content:center;margin:-30px 0 0 40px;border:1px solid rgba(210,138,37,.3);box-shadow:0 14px 30px -14px rgba(0,8,20,.6)}
  .pillar-body{padding:18px 40px 40px}
  .pillar h3{font-size:1.85rem;color:var(--navy);font-weight:600;margin-top:14px}
  .pillar .ptag{font-family:'Figtree',sans-serif;color:var(--gold-lo);font-weight:600;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;margin:8px 0 22px}
  .pillar ul{list-style:none;display:grid;gap:15px;border-top:1px solid #efe5d2;padding-top:24px}
  .pillar li{display:flex;gap:13px;align-items:flex-start;color:var(--ink-soft);font-size:1.02rem}
  .pillar li svg{flex:0 0 auto;margin-top:4px}

  /* ===== PROGRAMS (navy cards on cinematic backdrop) ===== */
  .programs{position:relative;background:var(--navy);overflow:hidden}
  .programs-bg{position:absolute;inset:0;z-index:0;overflow:hidden}
  .programs-bg .parallax-img{position:absolute;left:0;top:-12%;width:100%;height:124%;object-fit:cover;will-change:transform}
  .programs-scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(rgba(0,15,29,.9),rgba(0,16,31,.93))}
  .programs .wrap{position:relative;z-index:2}
  .programs .sec-head h2{color:#fff}
  .programs .sec-head p{color:var(--muted-light)}
  .programs .eyebrow{color:var(--gold-hi)}
  .prog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .prog{position:relative;background:linear-gradient(160deg,#0a3055 0%,#02213c 100%);border:1px solid rgba(210,138,37,.28);border-radius:16px;padding:34px 30px 28px;overflow:hidden;box-shadow:0 28px 60px -36px rgba(0,6,16,.7);backdrop-filter:blur(2px);transition:transform .5s var(--ease),box-shadow .5s,border-color .5s}
  .prog::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold-grad);transform:scaleX(0);transform-origin:left;transition:transform .7s var(--ease)}
  .prog.in::before{transform:scaleX(1)}
  .prog:hover{transform:translateY(-8px);box-shadow:0 50px 90px -40px rgba(0,6,16,.85);border-color:rgba(240,180,84,.6)}
  .prog .pk{display:inline-block;font-family:'Figtree',sans-serif;font-size:.66rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-hi);font-weight:600;padding:5px 12px;border:1px solid var(--navy-line);border-radius:999px;background:rgba(210,138,37,.08)}
  .prog h3{font-size:1.5rem;color:#fff;margin:16px 0 12px;font-weight:600}
  .prog p{color:var(--muted-light);font-size:.96rem;font-weight:300;line-height:1.62}
  .prog .amt{margin-top:20px;padding-top:18px;border-top:1px solid var(--navy-line);font-family:'Figtree',sans-serif;font-size:.82rem;font-weight:600;color:var(--gold-hi);display:flex;align-items:center;gap:9px}
  .prog .amt::before{content:"";width:7px;height:7px;background:var(--gold);transform:rotate(45deg);flex:0 0 auto}

  /* ===== FOCUS / SPLIT ===== */
  .focus{background:linear-gradient(180deg,var(--navy),#06243f);color:#fff;overflow:hidden}
  .split{display:grid;grid-template-columns:1.02fr .98fr;gap:64px;align-items:center}
  .focus h2{color:#fff;font-size:clamp(2.1rem,3.6vw,3.1rem);font-weight:600}
  .focus p{color:var(--muted-light);margin-top:20px;font-weight:300;font-size:1.08rem}
  .focus .points{margin-top:34px;display:grid;gap:20px}
  .focus .points div.pt{display:flex;gap:16px;align-items:flex-start}
  .focus .points b{color:#fff;font-weight:600;font-family:'Figtree',sans-serif;font-size:1.02rem}
  .focus .points small{color:var(--muted-light);font-weight:300;font-size:.98rem;display:block;margin-top:3px}

  /* media frame w/ parallax */
  .media-frame{position:relative;border-radius:var(--r);overflow:hidden;height:480px;border:1px solid var(--navy-line);box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
  .media-frame .parallax-img{position:absolute;left:0;top:-16%;width:100%;height:132%;object-fit:cover;will-change:transform}
  .media-frame .frame-grad{position:absolute;inset:0;background:linear-gradient(to top,rgba(0,16,31,.5),transparent 50%)}
  .tag3d{position:absolute;bottom:22px;left:22px;z-index:2;background:var(--gold-grad);color:#1a1002;font-family:'Figtree',sans-serif;font-weight:700;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;padding:8px 16px;border-radius:999px;box-shadow:0 10px 24px -8px rgba(0,0,0,.5)}

  /* ===== INDUSTRIES ===== */
  .industries{background:var(--paper)}
  .ind-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .ind{position:relative;border-radius:var(--r);overflow:hidden;height:320px;border:1px solid #e7ddc8;background:var(--navy);cursor:pointer;padding:0;font-family:inherit;text-align:left;display:block;width:100%;transition:transform .5s var(--ease),box-shadow .5s,border-color .5s}
  .ind:hover{transform:translateY(-6px);box-shadow:0 36px 70px -40px rgba(0,18,40,.6);border-color:rgba(210,138,37,.55)}
  .ind:focus-visible{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(210,138,37,.4)}
  .ind img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform 1.1s var(--ease);will-change:transform}
  .ind:hover img{transform:scale(1.09)}
  .ind .scrim{position:absolute;inset:0;background:linear-gradient(to top,rgba(0,12,24,.92) 0%,rgba(0,16,31,.4) 48%,rgba(0,16,31,.12) 100%);transition:background .5s}
  .ind:hover .scrim{background:linear-gradient(to top,rgba(0,18,40,.95) 0%,rgba(0,18,40,.45) 52%,rgba(0,16,31,.18) 100%)}
  .ind .cap{position:absolute;left:24px;right:24px;bottom:22px;z-index:2}
  .ind .cap h3{color:#fff;font-size:1.5rem;font-weight:600}
  .ind .cap p{color:var(--muted-light);font-size:.92rem;font-weight:300;margin-top:4px}
  .ind .view{display:inline-flex;align-items:center;gap:7px;margin-top:14px;font-family:'Figtree',sans-serif;font-size:.74rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-hi);opacity:0;transform:translateY(8px);transition:opacity .4s var(--ease),transform .4s var(--ease)}
  .ind:hover .view,.ind:focus-visible .view{opacity:1;transform:none}
  .ind .view svg{transition:transform .35s var(--ease)}
  .ind:hover .view svg{transform:translateX(4px)}
  .ind-note{margin-top:28px;text-align:center;color:var(--muted);font-weight:300;font-size:.98rem}
  .ind-note strong{color:var(--navy);font-weight:600}

  /* ===== INDUSTRY MODAL ===== */
  .imodal{position:fixed;inset:0;z-index:200;display:flex;align-items:center;justify-content:center;padding:24px;opacity:0;pointer-events:none;transition:opacity .35s var(--ease)}
  .imodal.open{opacity:1;pointer-events:auto}
  .imodal .backdrop{position:absolute;inset:0;background:rgba(0,8,18,.72);backdrop-filter:blur(6px)}
  .imodal .panel{position:relative;z-index:2;width:min(940px,100%);max-height:90vh;overflow:hidden;background:var(--navy);border:1px solid var(--navy-line);border-radius:20px;box-shadow:0 50px 110px -30px rgba(0,0,0,.7);display:grid;grid-template-columns:.92fr 1.08fr;transform:translateY(18px) scale(.98);transition:transform .4s var(--ease)}
  .imodal.open .panel{transform:none}
  .imodal .pic{position:relative;min-height:340px}
  .imodal .pic img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
  .imodal .pic::after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 40%,rgba(0,25,53,.85))}
  .imodal .body{padding:40px 42px;color:#fff;overflow-y:auto}
  .imodal .body .ek{font-family:'Figtree',sans-serif;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-hi);font-weight:600}
  .imodal .body h3{font-size:2.1rem;font-weight:600;margin:8px 0 14px;color:#fff}
  .imodal .body .lede{color:var(--muted-light);font-weight:300;font-size:1.02rem;line-height:1.65}
  .imodal .body h4{font-family:'Figtree',sans-serif;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:#fff;font-weight:600;margin:26px 0 12px}
  .imodal .chips{display:flex;flex-wrap:wrap;gap:9px}
  .imodal .chips span{font-family:'Figtree',sans-serif;font-size:.84rem;color:var(--gold-hi);border:1px solid var(--navy-line);background:rgba(210,138,37,.08);padding:7px 13px;border-radius:999px;font-weight:500}
  .imodal .why{margin-top:24px;padding:18px 20px;border-left:2px solid var(--gold);background:rgba(255,255,255,.03);border-radius:0 10px 10px 0}
  .imodal .why b{font-family:'Figtree',sans-serif;display:block;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-hi);margin-bottom:6px;font-weight:600}
  .imodal .why p{color:var(--muted-light);font-weight:300;font-size:.98rem;line-height:1.6}
  .imodal .mcta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
  .imodal .close{position:absolute;top:16px;right:18px;z-index:5;width:42px;height:42px;border-radius:50%;border:1px solid var(--navy-line);background:rgba(0,16,31,.6);color:#fff;font-size:1.4rem;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:background .25s,border-color .25s}
  .imodal .close:hover{background:rgba(210,138,37,.25);border-color:var(--gold)}
  @media(max-width:760px){
    .imodal .panel{grid-template-columns:1fr;max-height:92vh;overflow-y:auto}
    .imodal .pic{min-height:200px}
    .imodal .body{padding:30px 26px}
  }

  /* ===== WHY ===== */
  .why{background:var(--cream)}
  .vals{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
  .val{background:#fff;border:1px solid #ece2cf;border-radius:var(--r);padding:34px 28px;transition:transform .45s var(--ease),box-shadow .45s;transform-style:preserve-3d}
  .val:hover{transform:translateY(-8px);box-shadow:var(--shadow)}
  .val .vi{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;border:1.5px solid var(--gold);margin-bottom:20px;background:linear-gradient(140deg,#fff,#fbf4e7)}
  .val h3{font-size:1.28rem;color:var(--navy);font-weight:600}
  .val p{color:var(--muted);font-size:.96rem;margin-top:10px;font-weight:300}

  /* ===== QUOTE (parallax photo) ===== */
  .quote{color:#fff;text-align:center;overflow:hidden;padding:150px 0}
  .quote .parallax-img{position:absolute;left:0;top:-18%;width:100%;height:136%;object-fit:cover;will-change:transform;z-index:0}
  .quote .qscrim{position:absolute;inset:0;background:linear-gradient(rgba(0,14,28,.8),rgba(0,16,31,.88));z-index:1}
  .quote .wrap{position:relative;z-index:2}
  .quote .mark{font-family:'Cormorant Garamond',serif;font-size:7rem;line-height:.6;color:var(--gold);opacity:.55;height:54px}
  .quote blockquote{font-family:'Cormorant Garamond',serif;font-style:italic;font-size:clamp(1.7rem,3.4vw,2.7rem);font-weight:500;line-height:1.32;max-width:920px;margin:14px auto 0}
  .quote cite{display:block;margin-top:30px;font-family:'Figtree',sans-serif;font-style:normal;letter-spacing:.18em;text-transform:uppercase;font-size:.76rem;color:var(--gold-hi);font-weight:600}

  /* ===== PROCESS ===== */
  .process{background:var(--paper)}
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;position:relative}
  .steps::before{content:"";position:absolute;top:30px;left:6%;right:6%;height:1px;background:linear-gradient(90deg,transparent,var(--gold) 12%,var(--gold) 88%,transparent);opacity:.4}
  .step{position:relative;text-align:left}
  .step .dot{width:60px;height:60px;border-radius:50%;background:#fff;border:1px solid #e7ddc8;display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond',serif;font-size:1.5rem;font-weight:700;color:var(--gold-lo);position:relative;z-index:2;box-shadow:0 14px 30px -18px rgba(0,18,40,.4)}
  .step h3{font-size:1.34rem;color:var(--navy);margin:22px 0 8px;font-weight:600}
  .step p{color:var(--muted);font-size:.98rem;font-weight:300}

  /* ===== ABOUT ===== */
  .about{background:linear-gradient(180deg,#06243f,var(--navy));color:#fff;overflow:hidden}
  .about-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:56px;align-items:center}
  .advisor-card{background:rgba(255,255,255,.035);border:1px solid var(--navy-line);border-radius:20px;padding:42px;text-align:center;backdrop-filter:blur(4px);position:relative}
  .advisor-card .crestmini{height:78px;margin:0 auto 18px}
  .advisor-card .nm{font-family:'Cormorant Garamond',serif;font-size:1.7rem;font-weight:600}
  .advisor-card .ti{font-family:'Figtree',sans-serif;color:var(--gold-hi);letter-spacing:.18em;text-transform:uppercase;font-size:.72rem;font-weight:600;margin-top:8px}
  .advisor-card .rule{height:1px;background:var(--navy-line);margin:24px 0}
  .advisor-card .contacts{display:grid;gap:13px;text-align:left}
  .advisor-card .contacts a{display:flex;gap:12px;align-items:center;color:var(--muted-light);font-size:.94rem}
  .advisor-card .contacts a:hover{color:var(--gold-hi)}
  .about h2{color:#fff;font-size:clamp(2.1rem,3.6vw,3.1rem);font-weight:600}
  .about p{color:var(--muted-light);font-weight:300;margin-top:20px;font-size:1.08rem}

  /* ===== FAQ ===== */
  .faq{background:var(--cream)}
  .faq-list{max-width:860px;margin:0 auto;display:grid;gap:14px}
  .qa{background:#fff;border:1px solid #ece2cf;border-radius:14px;overflow:hidden;transition:box-shadow .3s}
  .qa[open]{box-shadow:0 20px 50px -38px rgba(0,18,40,.5)}
  .qa summary{list-style:none;cursor:pointer;padding:24px 28px;display:flex;justify-content:space-between;align-items:center;gap:20px;font-family:'Figtree',sans-serif;font-weight:600;color:var(--navy);font-size:1.06rem}
  .qa summary::-webkit-details-marker{display:none}
  .qa summary .pm{flex:0 0 auto;width:26px;height:26px;border-radius:50%;border:1.5px solid var(--gold);position:relative;transition:transform .3s}
  .qa summary .pm::before,.qa summary .pm::after{content:"";position:absolute;background:var(--gold-lo);left:50%;top:50%;transform:translate(-50%,-50%)}
  .qa summary .pm::before{width:11px;height:1.7px}.qa summary .pm::after{width:1.7px;height:11px;transition:transform .3s}
  .qa[open] summary .pm::after{transform:translate(-50%,-50%) scaleY(0)}
  .qa .ans{padding:0 28px 26px;color:var(--muted);font-weight:300;font-size:1rem;line-height:1.7;max-width:680px}

  /* ===== CTA band ===== */
  .ctaband{background:var(--gold-grad);color:#1a1002;position:relative;overflow:hidden}
  .ctaband .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;padding-top:64px;padding-bottom:64px;position:relative;z-index:2}
  .ctaband h2{font-size:clamp(1.9rem,3.2vw,2.7rem);color:#14233d;font-weight:600}
  .ctaband p{color:#3d2c08;font-weight:500;margin-top:8px}
  .ctaband .shine{position:absolute;inset:0;background:radial-gradient(60% 120% at 80% 0,rgba(255,255,255,.35),transparent 60%);pointer-events:none}

  /* ===== CONTACT ===== */
  .contact{background:var(--paper)}
  .contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px}
  .contact .info h2{font-size:clamp(2.1rem,3.6vw,3.1rem);color:var(--navy);font-weight:600}
  .contact .info p{color:var(--muted);margin-top:18px;font-weight:300;font-size:1.06rem}
  .info-list{margin-top:34px;display:grid;gap:16px}
  .info-list a,.info-list div{display:flex;gap:15px;align-items:center;color:var(--ink);font-weight:500}
  .info-list a:hover{color:var(--gold-lo)}
  .info-list .ic{width:46px;height:46px;border-radius:13px;background:#fff;border:1px solid #e9dfca;display:flex;align-items:center;justify-content:center;flex:0 0 auto}
  form{background:#fff;border:1px solid #ece3d2;border-radius:20px;padding:38px;box-shadow:var(--shadow)}
  .field{margin-bottom:17px}
  .field label{display:block;font-family:'Figtree',sans-serif;font-size:.74rem;font-weight:600;letter-spacing:.05em;color:var(--navy);margin-bottom:8px;text-transform:uppercase}
  .field input,.field select,.field textarea{width:100%;padding:14px 16px;border:1px solid #dcd2bc;border-radius:11px;font:inherit;font-size:.98rem;color:var(--ink);background:#fdfbf7;transition:border .25s,box-shadow .25s;font-family:'Figtree',sans-serif}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(210,138,37,.16)}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  form button{width:100%;justify-content:center;margin-top:8px}
  .formnote{font-size:.82rem;color:var(--muted);margin-top:14px;text-align:center}
  .hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none}
  .formstatus{margin-top:14px;font-size:.92rem;text-align:center;font-weight:500;display:none}
  .formstatus.show{display:block}
  .formstatus.ok{color:#1f7a4d}
  .formstatus.err{color:#b23b3b}
  #formSubmit[disabled]{opacity:.7;cursor:default}

  /* ===== FOOTER ===== */
  footer{background:var(--navy-deep);color:var(--muted-light);padding:76px 0 32px}
  .foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:44px;padding-bottom:42px;border-bottom:1px solid var(--navy-line)}
  footer .flogo{height:54px;margin-bottom:20px}
  footer p.tag{max-width:340px;font-weight:300;font-size:.96rem}
  .foot-mottos{margin-top:22px;font-family:'Cinzel',serif;letter-spacing:.2em;color:var(--gold-hi);font-size:.76rem}
  footer h4{font-family:'Figtree',sans-serif;color:#fff;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:20px;font-weight:600}
  footer ul{list-style:none;display:grid;gap:12px}
  footer ul a{color:var(--muted-light);font-size:.93rem}footer ul a:hover{color:var(--gold-hi)}
  .foot-bottom{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;padding-top:28px;font-size:.8rem;color:rgba(247,243,236,.5)}
  .foot-bottom .disc{max-width:720px;line-height:1.65}

  /* ===== SECURE PORTAL ===== */
  .portal{background:linear-gradient(180deg,var(--navy),#06243f);color:#fff;overflow:hidden;text-align:center}
  .portal .pcard{max-width:760px;margin:0 auto;position:relative;z-index:2}
  .portal .shield{width:74px;height:74px;margin:0 auto 26px;border-radius:18px;display:flex;align-items:center;justify-content:center;background:linear-gradient(140deg,#0a345f,var(--navy));border:1px solid rgba(210,138,37,.35);box-shadow:0 20px 46px -20px rgba(0,8,20,.7)}
  .portal h2{color:#fff;font-size:clamp(2.1rem,3.6vw,3.1rem);font-weight:600;margin-top:6px}
  .portal p{color:var(--muted-light);font-weight:300;font-size:1.08rem;margin:20px auto 0;max-width:620px;line-height:1.7}
  .portal .p-cta{margin-top:34px;display:flex;justify-content:center}
  .portal .trust{margin-top:34px;display:flex;gap:12px 30px;flex-wrap:wrap;justify-content:center}
  .portal .trust span{display:inline-flex;align-items:center;gap:9px;color:var(--muted-light);font-size:.86rem;font-weight:500}
  .portal .trust span svg{flex:0 0 auto}

  /* reveal animation */
  .reveal{opacity:0;transform:translateY(30px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
  .reveal.in{opacity:1;transform:none}
  .reveal.d1{transition-delay:.09s}.reveal.d2{transition-delay:.18s}.reveal.d3{transition-delay:.27s}.reveal.d4{transition-delay:.36s}.reveal.d5{transition-delay:.45s}

  /* mobile menu */
  .mobile{position:fixed;inset:0;z-index:120;background:rgba(0,12,24,.97);backdrop-filter:blur(10px);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:28px;opacity:0;pointer-events:none;transition:opacity .35s}
  .mobile.open{opacity:1;pointer-events:auto}
  .mobile a{color:#fff;font-family:'Cormorant Garamond',serif;font-size:1.7rem;letter-spacing:.04em}
  .mobile .close{position:absolute;top:24px;right:26px;background:none;border:0;color:#fff;font-size:2.2rem;cursor:pointer}

  @media(max-width:980px){
    .split,.about-grid,.contact-grid{grid-template-columns:1fr}
    .pillars{grid-template-columns:1fr}
    .prog-grid,.ind-grid{grid-template-columns:1fr 1fr}
    .vals,.steps{grid-template-columns:1fr 1fr}
    .steps::before{display:none}
    .stats .wrap{grid-template-columns:1fr 1fr;gap:36px 20px}
    .stat:nth-child(2)::after{display:none}
    .navlinks{display:none}
    .burger{display:flex}
    .media-frame{height:360px}
    .qa-grid{grid-template-columns:1fr 1fr}
    .qa{border-bottom:1px solid #ece3d2}
    .qa:nth-child(2){border-right:0}
  }
  /* phones: declutter the header */
  @media(max-width:720px){
    .tb-note{display:none}
    .tb-in{justify-content:center}
    .nav-cta .btn-gold{display:none}        /* CTA lives in the menu + hero on phones */
    .brand img{height:40px}
    header.nav.scrolled .brand img{height:34px}
  }
  @media(max-width:560px){
    .wrap{padding:0 22px}
    .sec{padding:74px 0}
    .vals,.steps,.row2,.prog-grid,.ind-grid{grid-template-columns:1fr}
    .stats .wrap{grid-template-columns:1fr 1fr;gap:30px 16px;padding:40px 22px}
    .stat::after{display:none}
    .ctaband .wrap{flex-direction:column;align-items:flex-start}
    .foot-grid{grid-template-columns:1fr;gap:34px}
    .pillar-body{padding:16px 26px 32px}
    .pillar-media{height:170px}
    .pillar .picon{margin-left:26px}
    .programs-bg .parallax-img{transform:none!important}
    /* hero carousel: calmer + centered */
    .hero{padding:150px 0 92px;min-height:auto}
    .hero-content{min-height:470px}
    .hero h1{font-size:2.4rem;line-height:1.16;margin-top:16px}
    .hero p.sub{font-size:1.02rem;margin:18px 0 28px;line-height:1.62}
    .hcontent{text-align:center;max-width:none}
    .hero .eyebrow{font-size:.62rem;letter-spacing:.2em;gap:9px;justify-content:center}
    .hero-cta{gap:12px;justify-content:center}
    .hero-cta .btn{flex:1 1 100%;justify-content:center;padding:15px 22px}
    .hero-dots{justify-content:center;bottom:32px}
    /* quick actions stack */
    .qa-grid{grid-template-columns:1fr}
    .qa{border-right:0;border-bottom:1px solid #ece3d2;padding:26px 22px}
    .qa:last-child{border-bottom:0}
    .qa-arrow{display:none}
    /* center section headers on mobile */
    .sec-head{text-align:center;margin-left:auto;margin-right:auto;margin-bottom:40px}
    .sec-head .eyebrow{justify-content:center}
    .sec-head p{margin-left:auto;margin-right:auto;font-size:1rem}
    .sec-head h2{font-size:2.1rem}
    .ind{height:230px}
    .ind .cap h3{font-size:1.32rem}
    .media-frame{height:300px}
    .quote{padding:96px 0}
    .advisor-card{padding:34px 26px}
    form{padding:30px 24px}
  }
  @media(prefers-reduced-motion:reduce){
    .reveal{opacity:1;transform:none;transition:none}
    html{scroll-behavior:auto}
    .hero-media img{animation:none}
    .parallax-img{transform:none!important}
  }

  /* ===== PAGE BANNER (subpages) ===== */
  .pagehero{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 55%,#06294c);color:#fff;padding:190px 0 84px;position:relative;overflow:hidden}
  .pagehero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:var(--gold-grad);opacity:.85}
  .pagehero h1{font-size:clamp(2.5rem,5vw,4rem);color:#fff;margin-top:18px}
  .pagehero p.pl{color:var(--muted-light);font-weight:300;font-size:1.1rem;max-width:640px;margin-top:18px;line-height:1.7}
  .navlinks a.active{color:#fff}
  .navlinks a.active::after{width:100%}
  .home-more{margin-top:44px;text-align:center}
  @media(max-width:560px){.pagehero{padding:150px 0 60px}.pagehero{text-align:center}.pagehero .eyebrow{justify-content:center}.pagehero p.pl{margin-left:auto;margin-right:auto}}

  /* ===== CINEMATIC PAGE BANNER ===== */
  .pagehero{position:relative;background:var(--navy);color:#fff;padding:212px 0 92px;overflow:hidden}
  .ph-media{position:absolute;inset:0;z-index:0}
  .ph-media img{width:100%;height:100%;object-fit:cover;animation:phkb 16s var(--ease) forwards;will-change:transform}
  @keyframes phkb{from{transform:scale(1.09)}to{transform:scale(1.01)}}
  .ph-scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(0,14,28,.96) 0%,rgba(0,18,40,.84) 46%,rgba(0,18,40,.5) 78%,rgba(0,18,40,.66) 100%)}
  .ph-scrim::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(0,16,31,.55),transparent 34%)}
  .ph-in{position:relative;z-index:2}
  .crumbs{display:flex;align-items:center;gap:10px;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:rgba(247,243,236,.55);margin-bottom:22px}
  .crumbs a{color:rgba(247,243,236,.55);transition:color .2s}
  .crumbs a:hover{color:var(--gold-hi)}
  .crumbs .sep{color:var(--gold);opacity:.7}
  .crumbs .here{color:var(--gold-hi)}

  /* ===== PROGRAM FACTS BAND ===== */
  .facts{background:var(--navy-deep);border-top:1px solid var(--navy-line);border-bottom:1px solid var(--navy-line)}
  .facts .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;padding:38px 30px}
  .fact{text-align:center;position:relative}
  .fact:not(:last-child)::after{content:"";position:absolute;right:-13px;top:12%;height:76%;width:1px;background:var(--navy-line)}
  .fact .fv{font-family:'Cormorant Garamond',serif;font-size:clamp(1.6rem,2.6vw,2.2rem);font-weight:600;color:#fff}
  .fact .fv em{font-style:normal;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
  .fact .fl{font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted-light);margin-top:8px;font-weight:600}

  /* ===== PROGRAM DETAIL LAYOUT ===== */
  .pg{background:var(--paper)}
  .pg-grid{display:grid;grid-template-columns:1.55fr .95fr;gap:56px;align-items:start}
  .pg-main h2{font-size:clamp(1.7rem,2.8vw,2.3rem);color:var(--navy);margin:34px 0 14px}
  .pg-main h2:first-child{margin-top:0}
  .pg-main p{color:var(--ink-soft);font-weight:300;font-size:1.05rem;line-height:1.75;margin-bottom:14px}
  .checks{list-style:none;display:grid;gap:13px;margin:18px 0 8px;padding:0}
  .checks li{display:flex;gap:13px;align-items:flex-start;color:var(--ink-soft);font-size:1.02rem}
  .checks li svg{flex:0 0 auto;margin-top:4px}
  .pg-aside{position:sticky;top:110px;display:grid;gap:20px}
  .glance{background:linear-gradient(160deg,#0a3055 0%,#02213c 100%);border:1px solid rgba(210,138,37,.3);border-radius:16px;padding:28px;color:#fff;box-shadow:0 30px 60px -38px rgba(0,6,16,.7)}
  .glance h3{font-size:1.25rem;color:#fff;margin-bottom:16px;padding-bottom:14px;border-bottom:1px solid var(--navy-line)}
  .glance ul{list-style:none;display:grid;gap:12px;padding:0;margin:0}
  .glance li{display:flex;gap:11px;align-items:flex-start;color:var(--muted-light);font-size:.93rem;font-weight:300}
  .glance li::before{content:"";width:6px;height:6px;background:var(--gold);transform:rotate(45deg);flex:0 0 auto;margin-top:7px}
  .advisor-cta{background:#fff;border:1px solid #ece3d2;border-radius:16px;padding:26px;text-align:center;box-shadow:0 24px 56px -42px rgba(0,18,40,.5)}
  .advisor-cta img{height:56px;margin:0 auto 12px}
  .advisor-cta b{display:block;font-family:'Cormorant Garamond',serif;font-size:1.3rem;color:var(--navy);font-weight:600}
  .advisor-cta p{color:var(--muted);font-size:.88rem;font-weight:300;margin:8px 0 16px}
  .advisor-cta .btn{width:100%;justify-content:center;margin-top:9px}
  .advisor-cta .btn-ghost{color:var(--ink-soft);border-color:#d8cdb4}
  .advisor-cta .btn-ghost:hover{color:var(--gold-lo);border-color:var(--gold)}

  /* ===== RELATED PROGRAMS ===== */
  .related{background:var(--cream);border-top:1px solid #ece3d2}
  .rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
  .rel{background:#fff;border:1px solid #ece2cf;border-radius:14px;padding:26px;transition:transform .4s var(--ease),box-shadow .4s,border-color .4s;display:block}
  .rel:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:rgba(210,138,37,.45)}
  .rel .rk{font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-lo);font-weight:600}
  .rel h3{font-size:1.3rem;color:var(--navy);margin:8px 0 8px}
  .rel p{color:var(--muted);font-size:.9rem;font-weight:300}
  .rel .go{display:inline-flex;align-items:center;gap:7px;margin-top:14px;color:var(--gold-lo);font-weight:600;font-size:.84rem}

  .prog-more{display:inline-flex;align-items:center;gap:7px;margin-top:16px;color:var(--gold-hi);font-weight:600;font-size:.85rem;transition:gap .25s var(--ease)}
  .prog-more:hover{gap:11px}

  @media(max-width:900px){.pg-grid{grid-template-columns:1fr}.pg-aside{position:static}.rel-grid{grid-template-columns:1fr}.facts .wrap{grid-template-columns:1fr;gap:22px}.fact::after{display:none}}
  @media(max-width:560px){.pagehero{padding:165px 0 64px;text-align:center}.crumbs{justify-content:center}.pagehero .eyebrow{justify-content:center}.pagehero p.pl{margin-left:auto;margin-right:auto}}
  @media(prefers-reduced-motion:reduce){.ph-media img{animation:none}}

  /* anchor targets clear the fixed header */
  [id]{scroll-margin-top:132px}
  @media(max-width:980px){[id]{scroll-margin-top:96px}}

  /* ===== PROCESS TIMELINE ===== */
  .tl{position:relative;display:grid;gap:28px}
  .tl::before{content:"";position:absolute;left:29px;top:10px;bottom:26px;width:2px;background:linear-gradient(180deg,var(--gold) 0%,rgba(210,138,37,.15) 100%)}
  .tl-item{position:relative;padding-left:92px}
  .tl-num{position:absolute;left:0;top:2px;width:60px;height:60px;border-radius:50%;background:linear-gradient(160deg,#0a3055,#02213c);border:1px solid rgba(210,138,37,.5);display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond',serif;font-size:1.45rem;font-weight:700;color:var(--gold-hi);z-index:2;box-shadow:0 16px 32px -16px rgba(0,8,20,.6)}
  .tl-card{background:#fff;border:1px solid #ece3d2;border-radius:16px;padding:30px 34px;box-shadow:0 26px 60px -46px rgba(0,18,40,.5);transition:transform .4s var(--ease),box-shadow .4s,border-color .4s}
  .tl-item:hover .tl-card{transform:translateY(-4px);border-color:rgba(210,138,37,.4);box-shadow:0 36px 70px -46px rgba(0,18,40,.55)}
  .tl-k{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-lo);font-weight:700}
  .tl-card h3{font-size:1.6rem;color:var(--navy);margin:8px 0 10px}
  .tl-card>p{color:var(--ink-soft);font-weight:300;font-size:1rem;line-height:1.7}
  .tl-duo{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
  .tl-cell{background:#fdfbf7;border:1px solid #f0e8d6;border-radius:12px;padding:18px 20px}
  .tl-cell b{display:block;font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-lo);font-weight:700;margin-bottom:10px}
  .tl-cell ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
  .tl-cell li{display:flex;gap:9px;align-items:flex-start;color:var(--ink-soft);font-size:.9rem;font-weight:300}
  .tl-cell li::before{content:"";width:5px;height:5px;background:var(--gold);transform:rotate(45deg);flex:0 0 auto;margin-top:7px}
  .tl-links{margin-top:16px;display:flex;gap:18px;flex-wrap:wrap}
  .tl-links a{display:inline-flex;align-items:center;gap:7px;color:var(--gold-lo);font-weight:600;font-size:.87rem}
  .tl-links a:hover{color:var(--gold)}
  @media(max-width:700px){
    .tl::before{left:22px}
    .tl-item{padding-left:66px}
    .tl-num{width:46px;height:46px;font-size:1.15rem}
    .tl-card{padding:24px 22px}
    .tl-duo{grid-template-columns:1fr}
  }

  /* ===== LIGHT PROGRAMS VARIANT + MOBILE MENU V2 ===== */
  .programs.on-light{background:var(--cream)}
  .programs.on-light .sec-head h2{color:var(--navy)}
  .programs.on-light .sec-head p{color:var(--muted)}
  .programs.on-light .eyebrow{color:var(--gold-lo)}

  .mobile{justify-content:flex-start;gap:0;padding:72px 30px 44px;overflow-y:auto}
  .m-group{font-family:'Figtree',sans-serif;font-size:.7rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-hi);font-weight:700;margin-bottom:16px}
  .m-sub{display:grid;grid-template-columns:1fr 1fr;gap:13px 20px;width:100%;max-width:430px}
  .mobile .m-sub a{font-family:'Figtree',sans-serif;font-size:.94rem;letter-spacing:.01em;color:var(--muted-light);font-weight:400}
  .mobile .m-sub a:active,.mobile .m-sub a:hover{color:#fff}
  .mobile .m-sub a.m-all{color:var(--gold-hi);font-weight:600;grid-column:span 2}
  .m-rule{width:100%;max-width:430px;height:1px;background:var(--navy-line);margin:24px 0 18px}
  .mobile a.m-main{font-family:'Cormorant Garamond',serif;font-size:1.42rem;letter-spacing:.03em;color:#fff;margin:8px 0}
  .m-cta{display:grid;gap:12px;width:100%;max-width:430px;margin-top:28px}
  .m-cta .btn{justify-content:center}
  .mobile .m-cta .btn-ghost{color:#fff;border-color:rgba(247,243,236,.4)}

  /* ===== MOBILE FINANCING ACCORDION ===== */
  .m-acc{background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:11px;padding:0;font-family:'Cormorant Garamond',serif;font-size:1.42rem;letter-spacing:.03em;color:#fff;margin:8px 0}
  .m-acc svg{color:var(--gold-hi);transition:transform .35s var(--ease)}
  .m-acc[aria-expanded="true"] svg{transform:rotate(180deg)}
  .mobile .m-sub{max-height:0;overflow:hidden;opacity:0;margin:0;transition:max-height .45s var(--ease),opacity .3s var(--ease),margin .3s var(--ease)}
  .mobile .m-sub.open{max-height:620px;opacity:1;margin:14px 0 10px}

  /* ===== MOBILE NESTED ACCORDIONS ===== */
  .mobile .m-sub{display:block;width:100%;max-width:430px;text-align:center;flex-shrink:0}
  .mobile .m-sub.open{max-height:900px}
  .m-acc2{background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:9px;padding:0;font-family:'Figtree',sans-serif;font-size:.74rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-hi);font-weight:700;margin:12px 0 2px}
  .m-acc2 svg{transition:transform .35s var(--ease)}
  .m-acc2[aria-expanded="true"] svg{transform:rotate(180deg)}
  .mobile .m-sub2{display:block;max-height:0;overflow:hidden;opacity:0;transition:max-height .4s var(--ease),opacity .3s var(--ease),margin .3s var(--ease);margin:0}
  .mobile .m-sub2.open{max-height:360px;opacity:1;margin:10px 0 6px}
  .mobile .m-sub2 a{display:block;font-family:'Figtree',sans-serif;font-size:.94rem;letter-spacing:.01em;color:var(--muted-light);font-weight:400;padding:7px 0}
  .mobile .m-sub2 a:hover,.mobile .m-sub2 a:active{color:#fff}
  .mobile .m-sub2 a.m-all{color:var(--gold-hi);font-weight:600}

  .mobile .m-sub a.m-overview{display:block;font-family:'Figtree',sans-serif;font-size:.95rem;letter-spacing:.02em;color:var(--gold-hi);font-weight:600;padding:6px 0 2px}
  .mobile .m-sub a.m-overview:active{color:#fff}

  .mega .mega-col a.mega-more{color:var(--gold-hi);font-weight:600;font-size:.86rem;margin-top:6px}
  .mega .mega-col a.mega-more:hover{color:#fff}