:root{--navy:#062228;--gold:#d9c9a7;--ink:#0b242a;--muted:#697879;--cream:#f8f6f0;--line:#dce3dd}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:95px}body{margin:0;background:var(--cream);color:var(--ink);font-family:Arial,"Microsoft YaHei",sans-serif;line-height:1.65}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,select,summary{outline-offset:5px}button{cursor:pointer}.wrap{max-width:1230px;margin:auto;padding:0 30px}.utility{background:var(--navy);color:#d9e4e0;font-size:11px;letter-spacing:.05em;padding:8px 0}.utility .wrap{display:flex;justify-content:space-between}header{position:sticky;top:0;background:#f8f6f0;z-index:5;border-bottom:1px solid var(--line)}.navigation{display:flex;align-items:center;justify-content:space-between;min-height:92px}.logo{display:flex;align-items:center;gap:13px;font-size:19px;font-weight:700;letter-spacing:.1em;line-height:1.2}.logo small{display:block;font-size:10px;letter-spacing:.38em;font-weight:400;margin-top:5px}.monogram{font:italic 44px Georgia;color:#b89962}nav{display:flex;align-items:center;gap:24px;font-size:12px;font-weight:600}#menu{display:none}.button{display:inline-block;background:var(--navy);color:white;border:0;padding:14px 21px;font-size:12px;font-weight:700;letter-spacing:.025em;border-radius:2px}.button:hover{background:#28515b}.button.gold{background:var(--gold);color:var(--navy)}.eyebrow{font-size:10px;font-weight:700;letter-spacing:.2em;color:#967b4e;margin:0 0 20px}h1,h2{font-family:Georgia,serif;font-weight:400;letter-spacing:-.055em;line-height:1.07;margin:0 0 25px}h1{font-size:clamp(45px,5.3vw,72px)}h2{font-size:clamp(34px,4vw,51px)}h1 em,h2 em{font-weight:400;color:#b89962}h3{font-size:18px;line-height:1.3;margin:0 0 12px;letter-spacing:-.025em}p{color:var(--muted);font-size:14px} .hero{padding:66px 0 60px}.hero-grid{display:grid;grid-template-columns:1.12fr 1fr;gap:50px;align-items:center}.lead{font-size:16px;max-width:490px;line-height:1.8}.actions{display:flex;align-items:center;gap:22px;margin-top:30px}.underlink{font-size:12px;font-weight:bold;border-bottom:1px solid var(--gold);padding-bottom:6px}.hero-bottom{display:flex;gap:22px;border-top:1px solid var(--line);padding-top:23px;margin-top:52px;font-size:9px;letter-spacing:.09em}.hero-art{height:485px;background:#dce6df;position:relative;overflow:hidden;border-radius:230px 230px 3px 3px}.sun{width:200px;height:200px;border-radius:100%;position:absolute;right:-30px;top:25px;background:#eddfbd}.house{position:absolute;width:370px;height:200px;background:#ebeee5;bottom:100px;left:45px;transform:skewY(-4deg);box-shadow:20px 25px 0 #b3c2b4}.roof{height:22px;background:var(--navy);position:absolute;top:0;width:100%}.window{width:140px;height:105px;background:repeating-linear-gradient(90deg,#233f44 0 31px,#cfdbd2 31px 35px);position:absolute;top:45px;left:25px}.door{width:80px;height:160px;background:#82988b;position:absolute;right:30px;bottom:0}.art-caption{position:absolute;bottom:22px;left:30px}.art-caption span{font-size:9px;letter-spacing:.2em;display:block;margin-bottom:8px}.art-caption strong{font:italic 26px Georgia}.intro-bar{background:var(--navy);color:white;padding:28px 0}.intro-bar .wrap{display:grid;grid-template-columns:1fr 1.4fr .8fr;gap:50px;align-items:center}.intro-bar p{color:#b9cdcb;font-size:13px;margin:0}.intro-bar span{font-size:15px}.intro-bar a{font-size:12px;color:var(--gold);text-align:right}.section{padding-top:90px;padding-bottom:90px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:60px;margin-bottom:36px}.section-heading>p{max-width:330px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.service-card{padding:29px;background:white;border:1px solid var(--line);display:flex;flex-direction:column;align-items:start}.service-card:hover{border-color:#b39c74}.service-card .number{font:italic 32px Georgia;color:#b89962;margin-bottom:33px}.service-card p{margin:0 0 25px;flex:1}.service-card button{border:0;background:none;padding:0;color:#577872;font-size:12px;font-weight:bold}.two-column{display:grid;grid-template-columns:1fr 1fr;gap:85px;align-items:start}.about{background:#edf2ef}.editorial p{max-width:480px}.principles article{display:flex;gap:25px;border-bottom:1px solid #cfd9d1;padding:26px 0}.principles span{color:#b89962;font:italic 25px Georgia}.principles p{margin:0}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:45px}.steps article{border-top:1px solid var(--gold);padding-top:23px}.steps span{font-size:10px;color:#967b4e;letter-spacing:.12em}.steps h3{margin-top:32px}.tools{background:#edf2ef}.fine{font-size:11px;line-height:1.7;max-width:430px}.calculator{background:white;padding:30px;border:1px solid #d1ddd6}label{display:block;font-size:12px;font-weight:bold;margin-bottom:16px}input,select{display:block;width:100%;padding:12px;border:1px solid #ced9d1;background:white;color:var(--navy);margin-top:7px;border-radius:2px}.input-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}.repayment{border-top:1px solid var(--line);margin-top:25px;padding-top:22px}.repayment span{display:block;font-size:9px;letter-spacing:.12em}.repayment strong{font:42px Georgia;display:block;margin:8px 0}.repayment small{font-size:11px;color:var(--muted)}.resources{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.resources article{border-top:3px solid #c5d5cd;padding:25px 0}.resources span{font-size:9px;letter-spacing:.12em;color:#8b7245}.resources h3{margin-top:20px}.resources a{font-size:12px;font-weight:bold}.faq{background:#f1eee6}details{border-bottom:1px solid #d4d7ce}summary{cursor:pointer;padding:17px 20px 17px 0;font-size:14px;font-weight:bold}details p{margin:0 0 20px}.contact{background:var(--navy);color:white}.contact .eyebrow{color:var(--gold)}.contact p{color:#b9cdca}.contact-phone{font:32px Georgia;display:block;margin:25px 0 6px}.contact .address{margin-top:24px;font-size:12px}.contact-box{padding:35px;border:1px solid #3b5960;background:#0b3036}.contact-box label{color:#cbd9d5;margin:25px 0}.contact-box .button{width:100%;text-align:center}footer{background:#062228;color:#b1c4c4;padding:45px 0 20px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;font-size:12px}footer .logo{display:block;color:white}footer a,footer span{display:block;margin-top:9px}footer b{color:white}.legal{font-size:10px;border-top:1px solid #29424a;padding-top:20px;margin-top:35px}dialog{border:0;border-radius:6px;padding:35px;max-width:600px;width:calc(100% - 35px);color:var(--ink)}dialog::backdrop{background:#062228af}.close{float:right;font-size:25px;background:none;border:0}dialog li{color:var(--muted);font-size:14px;margin:8px 0}dialog .button{margin-top:20px}@media(max-width:900px){nav{gap:12px}.hero-grid{gap:25px}.two-column{gap:35px}.hero-art{height:420px}.actions{flex-wrap:wrap}.intro-bar .wrap{gap:25px}.steps{grid-template-columns:1fr 1fr}}@media(max-width:700px){.wrap{padding-left:21px;padding-right:21px}.utility .wrap>a{display:none}.navigation{min-height:75px}#menu{display:block;border:1px solid var(--line);background:none;padding:8px;font-size:12px}nav{display:none;position:absolute;top:75px;left:0;right:0;background:var(--cream);padding:25px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}nav.open{display:flex}.hero{padding-top:38px}.hero-grid,.two-column{grid-template-columns:1fr}.hero-art{height:345px;margin-top:20px}.house{left:25px;bottom:75px;width:300px}.hero-bottom{gap:12px;font-size:8px;margin-top:30px}.intro-bar .wrap{grid-template-columns:1fr;gap:15px}.intro-bar a{text-align:left}.section{padding-top:60px;padding-bottom:60px}.section-heading{display:block}.cards,.resources{grid-template-columns:1fr}.service-card .number{margin-bottom:20px}.steps{gap:20px}.steps h3{font-size:16px}.footer-grid{grid-template-columns:1fr;gap:25px}.contact-box,.calculator{padding:23px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
/* Ice-blue palette inspired by the supplied reference. */
:root{--navy:#092735;--gold:#c4dcef;--ink:#101e30;--muted:#4c637a;--cream:#f7fbff;--line:#d4e2ef}
.utility .wrap{justify-content:flex-end}
.utility{background:#092735;color:#e0edf8}
header{background:#f5faff;border-color:#d4e2ef}
.monogram,.eyebrow,.steps span,.resources span{color:#345b86}
.hero{background:linear-gradient(160deg,#edf5fc 0%,#d7e8f5 43%,#b8d0e5 100%);color:#101e30}
.hero .eyebrow{color:#345b86}
.hero h1 em,h2 em{color:#244d79}
.hero .lead{color:#213c59}
.hero-bottom{color:#29465e;border-color:#9fbad0}
.hero-art{color:#101e30;background:linear-gradient(145deg,#f7fbff,#d3e6f5 55%,#97bddd);box-shadow:0 20px 45px #31577920}
.sun{background:#edf6ff}
.house{background:#f5f9fc;box-shadow:20px 25px 0 #a3bfd6}
.roof{background:#173d68}
.window{background:repeating-linear-gradient(90deg,#214e80 0 31px,#d6e8f6 31px 35px)}
.door{background:#739ac0}
.hero .underlink{color:#092735;border-color:#6888a7}
.button.gold{background:#092735;color:#fff}
.button:hover,.button.gold:hover{background:#205480}
.intro-bar{background:#dfeefa;color:#101e30}
.intro-bar p{color:#405e79}
.intro-bar a{color:#214e80}
.about{background:#edf5fc}
.principles article{border-color:#c9ddeb}
.principles span,.service-card .number{color:#456e98}
.service-card{background:#fff;border-color:#d4e2ef;box-shadow:0 5px 20px #153e6310}
.service-card:hover{border-color:#6f9dc6}
.service-card button,.resources a{color:#295f92}
.steps article{border-color:#91b6d7}
.tools{background:linear-gradient(130deg,#e9f3fb,#ccdfef)}
.calculator{border-color:#c5d9ea}
input,select{border-color:#c4d7e8}
.resources article{border-color:#b7d2e8}
.faq{background:#edf5fc}
details{border-color:#cbddeb}
.contact{background:linear-gradient(145deg,#e2effa,#b7d1e7);color:#101e30}
.contact .eyebrow{color:#345b86}
.contact p{color:#354f69}
.contact h2 em{color:#244d79}
.contact-box{background:#f8fbff;border-color:#bed4e7;box-shadow:0 12px 32px #1b43651a}
.contact-box label{color:#101e30}
.contact-box .button.gold{background:#092735;color:#fff}
footer{background:#092735;color:#bfd4e7}
.legal{border-color:#35556c}
dialog::backdrop{background:#102c48af}
.credit-disclosure{color:inherit;font-size:11px;line-height:1.7;margin:12px 0 0}
nav{gap:16px}nav a[aria-current="page"]{color:#214e80;box-shadow:0 2px 0 #739ac0}main{min-height:60vh}
@media(min-width:701px) and (max-width:1050px){.navigation{flex-wrap:wrap;padding-top:18px;padding-bottom:18px;gap:18px}nav{flex-wrap:wrap}}
.about .two-column{grid-template-columns:minmax(0,1.65fr) minmax(0,1fr);gap:65px}
.about .editorial p{max-width:none;line-height:1.85;margin-bottom:20px}
.about-statement{border-left:3px solid #739ac0;padding:16px 20px;background:#ffffff80;color:#213c59}
.about-tagline{color:#173d68;padding-top:12px}
.hero-art.hero-photo{border-radius:12px;background:#c4dcef;isolation:isolate}
.hero-photo-image{width:100%;height:100%;object-fit:cover;object-position:center;display:block}
.hero-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(198,223,245,.08) 35%,rgba(9,39,53,.82) 100%);pointer-events:none}
.hero-photo .art-caption{z-index:1;color:#fff;bottom:30px;left:30px}
.hero-photo .art-caption span{color:#dceeff}
.hero-photo .art-caption strong{font-size:30px;line-height:1.15}
@media(max-width:700px){.about .two-column{grid-template-columns:1fr;gap:30px}}