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:root{--navy:#1e3a5f;--navy-deep:#16293f;--navy-ink:#0f1d2e;--navy-bright:#356293;--navy-wash:#e7edf3;--navy-glow:#35629352;--cream:#f6f1e7;--cream-2:#efe7d6;--surface:#fff;--paper:#fbf8f1;--ink:#15212e;--ink-soft:#495766;--ink-fade:#5f6b78;--on-navy:#f4eee2;--on-navy-soft:#f4eee2bd;--brass:#c18a4e;--brass-deep:#8a5d28;--brass-soft:#e7d3b1;--brass-wash:#f4e9d6;--line:#15212e1a;--line-strong:#15212e2b;--grad-navy:linear-gradient(135deg, #2c558a, var(--navy) 55%, var(--navy-deep));--grad-brass:linear-gradient(135deg, #d6a566, var(--brass) 58%, var(--brass-deep));--shadow-sm:0 1px 2px #0f1d2e0f, 0 3px 12px #0f1d2e0f;--shadow:0 12px 36px -10px #0f1d2e2e;--shadow-lg:0 34px 70px -18px #0f1d2e57;--shadow-glow:0 18px 44px -14px var(--navy-glow);--radius-sm:12px;--radius:18px;--radius-lg:26px;--radius-pill:999px;--font-display:"Fraunces", Georgia, "Times New Roman", serif;--font-sans:"Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--ease:cubic-bezier(.22, 1, .36, 1)}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:88px}body{background:var(--cream);color:var(--ink);font-family:var(--font-sans);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;margin:0;font-size:17px;line-height:1.62;overflow-x:hidden}@media (min-width:768px){body{font-size:18px}}h1,h2,h3,h4{font-family:var(--font-display);letter-spacing:-.015em;font-optical-sizing:auto;margin:0 0 .4em;font-weight:600;line-height:1.08}h1{font-size:clamp(2.5rem,6.4vw,4.6rem)}h2{font-size:clamp(1.9rem,4.4vw,3rem)}h3{font-size:clamp(1.2rem,2.4vw,1.55rem)}p{margin:0 0 1em}a{color:var(--navy);text-underline-offset:3px}::selection{background:var(--navy);color:#fff}:focus-visible{outline:3px solid var(--brass);outline-offset:3px;border-radius:6px}.wrap{max-width:680px;margin:0 auto;padding:0 22px}.wrap-wide{max-width:1180px;margin:0 auto;padding:0 22px}.section{padding:76px 0;position:relative}.section-cream{background:var(--cream-2)}.section-dark{background:var(--navy-ink);color:var(--on-navy)}.section-dark h1,.section-dark h2,.section-dark h3{color:var(--on-navy)}@media (min-width:768px){.section{padding:108px 0}}.stack>*+*{margin-top:18px}.section-head{max-width:42ch;margin-bottom:46px}.section-head.center{text-align:center;margin-left:auto;margin-right:auto}.section-head p{color:var(--ink-soft);margin:0;font-size:1.12rem}.section-dark .section-head p{color:var(--on-navy-soft)}.eyebrow{font-family:var(--font-sans);letter-spacing:.1em;text-transform:uppercase;color:var(--brass-deep);align-items:center;gap:8px;margin-bottom:14px;font-size:.76rem;font-weight:700;display:inline-flex}.eyebrow:before{content:"";background:var(--brass);border-radius:2px;width:22px;height:2px}.section-dark .eyebrow{color:var(--brass)}.eyebrow-escalate{color:var(--brass-deep)}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.btn{border-radius:var(--radius-pill);background:var(--grad-navy);color:#fff;min-height:56px;font-family:var(--font-sans);cursor:pointer;box-shadow:var(--shadow-glow);transition:transform .18s var(--ease), box-shadow .25s var(--ease), filter .2s var(--ease);border:none;justify-content:center;align-items:center;gap:9px;padding:0 30px;font-size:1.02rem;font-weight:600;text-decoration:none;display:inline-flex}.btn:hover{box-shadow:0 26px 54px -14px var(--navy-glow);transform:translateY(-2px)}.btn:active{transform:translateY(0)}.btn:disabled{opacity:.4;cursor:not-allowed;box-shadow:none;filter:grayscale(.3);transform:none}.btn-brass{background:var(--grad-brass);color:#2a1c08;box-shadow:0 18px 44px -14px #c18a4e80}.btn-brass:hover{box-shadow:0 26px 54px -12px #c18a4e8c}.btn-ghost{color:var(--navy);border:1.5px solid var(--line-strong);box-shadow:none;background:0 0}.btn-ghost:hover{background:var(--surface);border-color:var(--navy);box-shadow:var(--shadow-sm)}.section-dark .btn-ghost{color:var(--on-navy);border-color:#f4eee247}.section-dark .btn-ghost:hover{border-color:var(--on-navy);background:#f4eee214}.btn-escalate{background:var(--grad-brass);color:#2a1c08;box-shadow:0 18px 44px -14px #c18a4e80}.btn-sm{min-height:44px;box-shadow:0 10px 24px -12px var(--navy-glow);padding:0 20px;font-size:.95rem}.btn-lg{min-height:64px;padding:0 38px;font-size:1.12rem}.btn-block{width:100%}@media (max-width:479px){.btn:not(.btn-sm){width:100%}}.textlink{color:var(--navy);align-items:center;gap:6px;font-weight:600;text-decoration:none;display:inline-flex}.textlink:hover{text-decoration:underline}.section-dark .textlink{color:var(--brass)}.site-header{z-index:50;transition:background .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);background:#f6f1e700;border-bottom:1px solid #0000;position:sticky;top:0}.site-header.scrolled{-webkit-backdrop-filter:saturate(1.5)blur(14px);border-bottom-color:var(--line);background:#f6f1e7d9;box-shadow:0 6px 24px -18px #0f1d2e80}.site-header-inner{align-items:center;gap:20px;max-width:1180px;margin:0 auto;padding:14px 22px;display:flex}.wordmark{color:var(--ink);align-items:center;gap:10px;text-decoration:none;display:inline-flex}.wordmark-mark{background:var(--grad-brass);width:13px;height:13px;box-shadow:0 0 0 4px var(--brass-wash);border-radius:50%}.wordmark-text{font-family:var(--font-display);letter-spacing:-.01em;font-size:1.32rem;font-weight:600}.wordmark-text-sm{font-size:1.15rem}.site-nav{gap:26px;margin-left:14px;display:none}.site-nav a{color:var(--ink-soft);transition:color .15s var(--ease);font-size:.96rem;font-weight:500;text-decoration:none}.site-nav a:hover{color:var(--navy)}.site-header-actions{align-items:center;gap:12px;margin-left:auto;display:flex}.header-cta{display:none}@media (min-width:900px){.site-nav{display:flex}.header-cta{display:inline-flex}}.skip-link{background:var(--navy);color:#fff;border-radius:var(--radius-pill);z-index:100;transition:top .2s var(--ease);padding:10px 18px;position:absolute;top:-60px;left:16px}.skip-link:focus{top:12px}.locale{border:1px solid var(--line-strong);border-radius:var(--radius-pill);background:var(--surface);gap:2px;padding:3px;display:inline-flex}.locale button{border-radius:var(--radius-pill);font-family:var(--font-sans);letter-spacing:.03em;cursor:pointer;color:var(--ink-fade);transition:color .15s var(--ease);background:0 0;border:none;padding:6px 13px;font-size:.82rem;font-weight:700}.locale button[aria-pressed=true]{background:var(--grad-navy);color:#fff}.photo{filter:saturate(.42)brightness(.82)contrast(1.04);background-position:50%;background-size:cover;position:absolute;inset:0}.photo-tint{position:absolute;inset:0}.hero{background:var(--navy-ink);color:var(--on-navy);isolation:isolate;padding:96px 0;position:relative;overflow:hidden}.hero .photo{z-index:0}.hero .photo-tint{z-index:1;background:linear-gradient(102deg,#0f1d2ef7 0%,#0f1d2ecc 42%,#16293f80 100%),radial-gradient(70% 90% at 88% 10%,#c18a4e38,#0000 60%)}.hero-inner{z-index:2;align-items:center;gap:44px;max-width:1180px;margin:0 auto;padding:0 22px;display:grid;position:relative}@media (min-width:940px){.hero{padding:120px 0}.hero-inner{grid-template-columns:1.08fr .92fr;gap:56px}}.hero .eyebrow{color:var(--brass)}.hero-title{color:var(--on-navy);margin:0 0 .45em;font-size:clamp(2.7rem,6.6vw,4.8rem)}.hero-title .accent{background:linear-gradient(120deg, #e7c896, var(--brass));color:#0000;-webkit-background-clip:text;background-clip:text;font-style:italic}.hero-sub{color:var(--on-navy-soft);max-width:48ch;margin:0 0 30px;font-size:clamp(1.08rem,1.7vw,1.3rem)}.hero-actions{flex-wrap:wrap;align-items:center;gap:14px;display:flex}.hero-note{color:var(--on-navy-soft);align-items:center;gap:9px;margin-top:22px;font-size:.92rem;display:inline-flex}.hero-note .dot{background:var(--brass);border-radius:50%;width:8px;height:8px;box-shadow:0 0 0 4px #c18a4e3d}.hero-card{background:var(--surface);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:22px;position:relative;transform:rotate(-1.2deg)}.hero-card .doc-chip{letter-spacing:.06em;text-transform:uppercase;color:var(--brass-deep);background:var(--brass-wash);border-radius:var(--radius-pill);align-items:center;gap:7px;margin-bottom:14px;padding:5px 11px;font-size:.72rem;font-weight:700;display:inline-flex}.hero-card h4{color:var(--navy-deep);margin:0 0 14px;font-size:1.15rem}.doc-line{border-bottom:1px dashed var(--line);justify-content:space-between;gap:12px;padding:9px 0;font-size:.92rem;display:flex}.doc-line .lbl{color:var(--ink-fade)}.doc-line .val{color:var(--ink);font-weight:600}.doc-line .val.filled{color:var(--navy);background:var(--navy-wash);border-radius:6px;padding:1px 8px}.hero-card .doc-foot{color:var(--ink-fade);align-items:center;gap:7px;margin-top:14px;font-size:.8rem;display:flex}.trust{background:var(--surface);border-bottom:1px solid var(--line)}.trust-inner{grid-template-columns:1fr 1fr;gap:16px 28px;max-width:1180px;margin:0 auto;padding:22px;display:grid}@media (min-width:760px){.trust-inner{grid-template-columns:repeat(4,1fr)}}.trust-item{color:var(--ink-soft);align-items:center;gap:11px;font-size:.92rem;font-weight:500;display:flex}.trust-item .check{background:var(--navy-wash);width:26px;height:26px;color:var(--navy);border-radius:50%;flex:none;place-items:center;font-size:.8rem;font-weight:800;display:grid}.steps{gap:20px;display:grid}@media (min-width:760px){.steps{grid-template-columns:repeat(3,1fr);gap:24px}}.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);transition:transform .3s var(--ease), box-shadow .3s var(--ease);padding:30px 26px}.step:hover{box-shadow:var(--shadow);transform:translateY(-4px)}.step-n{font-family:var(--font-display);background:var(--grad-brass);color:#0000;-webkit-background-clip:text;background-clip:text;margin-bottom:14px;font-size:2.3rem;font-weight:600;line-height:1}.step h3{margin-bottom:8px}.step p{color:var(--ink-soft);margin:0;font-size:.98rem}.feature{align-items:center;gap:36px;display:grid}@media (min-width:860px){.feature{grid-template-columns:1fr 1fr;gap:56px}.feature.flip .feature-media{order:2}}.feature-media{border-radius:var(--radius-lg);min-height:340px;box-shadow:var(--shadow-lg);isolation:isolate;position:relative;overflow:hidden}.feature-media .photo{filter:saturate(.5)brightness(.92)contrast(1.03)}.feature-media .photo-tint{background:linear-gradient(160deg,#0f1d2e57,#0f1d2e14 50%,#c18a4e29)}.feature-list{margin:18px 0 0;padding:0;list-style:none}.feature-list li{color:var(--ink-soft);margin:0 0 16px;padding:0 0 0 34px;position:relative}.feature-list li strong{color:var(--ink);font-weight:600;display:block}.feature-list li:before{content:"";background:var(--navy-wash);border:1.5px solid var(--navy);border-radius:50%;width:20px;height:20px;position:absolute;top:4px;left:0}.feature-list li:after{content:"";border-left:2px solid var(--navy);border-bottom:2px solid var(--navy);width:7px;height:4px;position:absolute;top:9px;left:6.5px;transform:rotate(-45deg)}.tools{gap:22px;display:grid}@media (min-width:760px){.tools{grid-template-columns:1fr 1fr}}.tool-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);transition:transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);flex-direction:column;padding:32px;display:flex;position:relative;overflow:hidden}.tool-card:before{content:"";background:var(--grad-navy);transform-origin:0;height:4px;transition:transform .4s var(--ease);position:absolute;top:0;left:0;right:0;transform:scaleX(0)}.tool-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-5px)}.tool-card:hover:before{transform:scaleX(1)}.tool-card.accent:before{background:var(--grad-brass)}.tool-tag{letter-spacing:.05em;text-transform:uppercase;color:var(--navy);background:var(--navy-wash);border-radius:var(--radius-pill);align-self:flex-start;margin-bottom:20px;padding:6px 12px;font-size:.72rem;font-weight:700}.tool-card.accent .tool-tag{color:var(--brass-deep);background:var(--brass-wash)}.tool-card h3{font-size:1.5rem}.tool-card p{color:var(--ink-soft);flex:1}.tool-card .textlink{margin-top:8px}.ladder{gap:18px;display:grid}@media (min-width:820px){.ladder{grid-template-columns:repeat(3,1fr);gap:22px}}.rung{border-radius:var(--radius-lg);background:#f4eee20b;border:1px solid #f4eee21f;padding:28px 26px;position:relative}.rung:last-child{background:linear-gradient(160deg,#c18a4e33,#0f1d2e66);border-color:#c18a4e6b}.rung-tag{letter-spacing:.06em;text-transform:uppercase;color:var(--brass);margin-bottom:14px;font-size:.72rem;font-weight:700;display:inline-block}.rung h3{color:var(--on-navy);margin-bottom:8px}.rung p{color:var(--on-navy-soft);margin:0;font-size:.96rem}.lawyer-panel-wrap{max-width:700px;margin-top:38px}.closing-band{text-align:center;border-radius:var(--radius-lg);color:var(--on-navy);box-shadow:var(--shadow-lg);isolation:isolate;background:var(--navy-ink);padding:64px 28px;position:relative;overflow:hidden}.closing-band .photo{filter:saturate(.4)brightness(.6)contrast(1.05);z-index:0}.closing-band .photo-tint{z-index:1;background:linear-gradient(#0f1d2ed6,#0f1d2eb3),radial-gradient(60% 80% at 50% 0,#c18a4e42,#0000 70%)}.closing-band>*{z-index:2;position:relative}.closing-band h2{color:var(--on-navy)}.closing-band p{color:var(--on-navy-soft);max-width:46ch;margin:0 auto 26px}.site-footer{background:var(--navy-ink);color:var(--on-navy-soft);padding:56px 0 40px}.site-footer-inner{border-bottom:1px solid #f4eee21f;flex-wrap:wrap;justify-content:space-between;gap:28px 48px;padding-bottom:32px;display:flex}.site-footer-brand .wordmark-text{color:var(--on-navy);margin-bottom:12px;display:inline-block}.site-footer-brand .wordmark-o{color:var(--brass)}.site-footer-nav{flex-wrap:wrap;align-items:flex-start;gap:14px 26px;display:flex}.site-footer-nav a{color:var(--on-navy-soft);font-weight:500;text-decoration:none}.site-footer-nav a:hover{color:var(--on-navy)}.site-footer-legal{padding-top:24px}.site-footer .fineprint{color:var(--on-navy-soft)}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:28px}.field-label{color:var(--ink);margin-bottom:6px;font-size:1.05rem;font-weight:600;display:block}.field-reason{color:var(--ink-fade);margin:0 0 16px;font-size:.95rem}.input{width:100%;min-height:58px;font-family:var(--font-sans);color:var(--ink);background:var(--paper);border:1.5px solid var(--line-strong);border-radius:var(--radius);transition:border-color .18s var(--ease), box-shadow .18s var(--ease), background .18s var(--ease);padding:0 18px;font-size:1.1rem}.input:focus{background:var(--surface);border-color:var(--navy);box-shadow:0 0 0 4px var(--navy-wash);outline:none}.input-xl{min-height:76px;font-size:1.7rem;font-weight:600;font-family:var(--font-display)}.input-money{padding-left:40px}.money-wrap{position:relative}.money-wrap .money-sign{color:var(--ink-fade);font-size:1.4rem;font-weight:600;font-family:var(--font-display);pointer-events:none;position:absolute;top:50%;left:18px;transform:translateY(-50%)}.fineprint{color:var(--ink-fade);font-size:.85rem;line-height:1.55}.progress{color:var(--ink-fade);letter-spacing:.04em;font-size:.85rem;font-weight:700}.bar{background:var(--cream-2);border-radius:7px;height:7px;overflow:hidden}.bar-fill{background:var(--grad-navy);height:100%;transition:width .5s var(--ease);border-radius:7px}.flow-shell{flex-direction:column;min-height:calc(100vh - 76px);padding:36px 0 64px;display:flex}.flow-top{justify-content:space-between;align-items:center;margin-bottom:28px;display:flex}.flow-actions{flex-wrap:wrap;gap:12px;display:flex}.ghost-escape{border:1.5px solid var(--brass-soft);color:var(--brass-deep);border-radius:var(--radius-pill);min-height:52px;font-family:var(--font-sans);cursor:pointer;width:100%;transition:background .18s var(--ease), border-color .18s var(--ease);background:0 0;justify-content:center;align-items:center;gap:8px;padding:0 22px;font-size:.96rem;font-weight:600;display:inline-flex}.ghost-escape:hover{background:var(--brass-wash);border-color:var(--brass)}.qcard{animation:rise .42s var(--ease) both}@keyframes rise{0%{opacity:0;transform:translateY(14px)}}.escalate{background:linear-gradient(165deg, var(--brass-wash), var(--surface));border:1px solid color-mix(in srgb, var(--brass) 30%, transparent);border-radius:var(--radius-lg);color:var(--ink);box-shadow:var(--shadow-sm);padding:28px}.escalate h2,.escalate h3{color:var(--brass-deep)}.gated{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--brass);border-radius:var(--radius);color:var(--ink-soft);box-shadow:var(--shadow-sm);padding:24px}.recap{background:var(--cream-2);border-radius:var(--radius);justify-content:space-between;align-items:center;gap:12px;padding:16px 20px;display:flex}.recap .recap-k{color:var(--ink-fade);font-size:.92rem}.recap .recap-v{font-family:var(--font-display);font-size:1.05rem;font-weight:600}.summary{gap:12px;display:grid}.summary-row{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);justify-content:space-between;align-items:baseline;padding:14px 18px;display:flex}.summary-row .k{color:var(--ink-soft)}.summary-row .v{font-family:var(--font-display);color:var(--navy);font-size:1.3rem;font-weight:600}.section-label{font-family:var(--font-display);align-items:center;gap:10px;margin:8px 0 0;font-size:1.15rem;font-weight:600;display:flex}.section-label .num{background:var(--navy-wash);width:28px;height:28px;color:var(--navy);font-family:var(--font-sans);border-radius:50%;place-items:center;font-size:.85rem;font-weight:700;display:grid}.problems{background:var(--brass-wash);border:1px solid color-mix(in srgb, var(--brass) 40%, transparent);border-radius:var(--radius);padding:18px 20px}.problems 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