/* PACIFIC ATLAS — bespoke static site, no UI framework */
:root{--ink:#162d30;--ink-2:#2b4447;--text:#25393c;--muted:#647477;--brand:#287b76;--brand-dark:#145650;--gold:#bb9460;--ivory:#f7f5f0;--paper:#fffefa;--mist:#e9eeea;--line:rgba(33,64,63,.15);--dark:#123037;--darker:#09252d;--radius:8px;--container:1250px;--sans:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI","PingFang SC","Microsoft YaHei","Noto Sans CJK SC",sans-serif;--serif:Georgia,"Noto Serif CJK SC","Songti SC","STSong",serif}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;color:var(--text);background:var(--ivory);font-family:var(--sans);font-size:16px;line-height:1.75;-webkit-font-smoothing:antialiased}body[data-lang=en]{line-height:1.66}button,input,select,textarea{font:inherit}button,select{cursor:pointer}a{color:inherit;text-decoration:none}a:focus-visible,button:focus-visible,select:focus-visible,input:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--brand);outline-offset:4px}img{display:block;max-width:100%}svg{flex:none}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.22;letter-spacing:-.03em;color:var(--ink)}h1{font-size:clamp(2.7rem,5vw,5rem);font-weight:650}h2{font-size:clamp(2rem,3.5vw,3.5rem);font-weight:620}h3{font-size:1.34rem;font-weight:630}p{margin-bottom:1.1em}.container{width:min(var(--container),calc(100% - 80px));margin-inline:auto}.sr-only{position:absolute!important;height:1px;width:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}.skip-link{position:absolute;top:-100px;left:16px;z-index:1000;background:#fff;padding:12px 18px}.skip-link:focus{top:12px}.eyebrow{display:inline-flex;align-items:center;gap:10px;text-transform:uppercase;font-size:.72rem;font-weight:760;letter-spacing:.21em;line-height:1.5;color:var(--brand-dark)}.eyebrow:before{content:"";height:1px;width:21px;background:currentColor}.notice-bar{min-height:33px;background:var(--ink);color:#d8e8e0;display:flex;align-items:center;justify-content:center;gap:10px;font-size:.69rem;letter-spacing:.035em;padding:7px 18px;text-align:center}.notice-dot{height:5px;width:5px;border-radius:50%;background:#c7a574;flex:none}.site-header{position:sticky;z-index:90;top:0;background:rgba(250,249,245,.965);border-bottom:1px solid var(--line);backdrop-filter:blur(16px)}.header-inner{min-height:90px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;white-space:nowrap;min-width:0}.brand-symbol{width:47px;height:47px;border:1px solid #b8c7c3;display:grid;place-items:center;color:var(--brand-dark);border-radius:50%;flex:none}.brand-symbol svg{width:43px;height:43px}.brand strong{display:block;font-size:1.05rem;color:var(--ink);font-weight:780;letter-spacing:.15em;line-height:1.05}.brand small{display:block;margin-top:8px;font-size:.55rem;letter-spacing:.11em;color:#667878;font-weight:700}.desktop-nav{display:flex;align-items:center;gap:clamp(10px,1.7vw,27px);margin-left:auto}.desktop-nav a{font-size:.86rem;font-weight:560;white-space:nowrap;transition:color .16s;padding:33px 0;position:relative}.desktop-nav a:after{position:absolute;bottom:22px;left:0;right:0;height:2px;background:var(--brand);content:"";transform:scaleX(0);transform-origin:center;transition:transform .2s}.desktop-nav a:hover,.desktop-nav a.current{color:var(--brand-dark)}.desktop-nav a.current:after,.desktop-nav a:hover:after{transform:scaleX(1)}.header-actions{display:flex;align-items:center;gap:12px}.lang-wrap{display:flex;align-items:center;gap:4px;color:var(--ink)}.lang-wrap svg{width:15px;height:15px}.lang-wrap select{background:transparent;border:0;color:var(--ink);font-weight:650;font-size:.78rem;padding:8px 0;max-width:68px}.header-cta{background:var(--brand-dark);color:white;padding:12px 14px;font-size:.78rem;font-weight:650;display:inline-flex;align-items:center;gap:8px;white-space:nowrap;border:1px solid var(--brand-dark);transition:background .2s,transform .2s}.header-cta:hover{background:var(--ink);transform:translateY(-1px)}.header-cta svg{width:16px;height:16px}.menu-toggle{display:none;border:0;background:none;width:42px;height:42px;align-items:center;justify-content:center;color:var(--ink)}.mobile-nav{display:none}.btn{border-radius:2px;padding:16px 22px;display:inline-flex;align-items:center;justify-content:space-between;gap:30px;min-height:54px;font-size:.91rem;font-weight:680;transition:background .2s,border-color .2s,transform .2s;line-height:1.35;border:1px solid transparent}.btn:hover{transform:translateY(-2px)}.btn-primary{color:white;background:var(--brand-dark);border-color:var(--brand-dark)}.btn-primary:hover{background:#0c3939}.btn-outline{border-color:#97acaa;color:var(--ink);background:transparent}.btn-outline:hover{background:#e7efeb}.btn-light{background:#f7f2e6;color:var(--ink);border-color:#f7f2e6}.btn-light:hover{background:#fff}.btn-icon{display:inline-flex}.btn-icon svg{height:18px;width:18px}.hero{display:grid;grid-template-columns:minmax(0,1.04fr) minmax(0,.96fr);min-height:675px}.hero-copy{background:radial-gradient(ellipse at 8% 60%,#e5eee8 0,transparent 65%),radial-gradient(ellipse at 90% 12%,#fffefa 0,transparent 68%),var(--ivory);display:flex;align-items:center;justify-content:flex-end;position:relative}.hero-copy:before{content:"";position:absolute;inset:0;background-image:linear-gradient(110deg,transparent 93%,rgba(54,99,91,.06) 100%);pointer-events:none}.hero-copy-inner{padding:90px clamp(35px,6vw,100px) 70px max(40px,calc((100vw - var(--container))/2));width:100%;max-width:800px}.hero h1{margin:27px 0 27px;font-size:clamp(3.1rem,5.0vw,5.8rem);letter-spacing:-.062em;line-height:1.19}.hero h1 span,.hero h1 em{display:block}.hero h1 em{font-style:normal;color:var(--brand-dark);font-weight:620}.hero-lede{font-size:1.09rem;line-height:1.95;max-width:610px;color:#526565}.hero-actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:37px}.hero-meta{display:flex;align-items:center;gap:20px;margin-top:66px;color:#81918b;font-size:.68rem;font-weight:740;letter-spacing:.23em}.hero-rule{height:1px;background:#a0b3ae;flex:0 0 45px}.hero-image-wrap{min-height:675px;position:relative;background:#4f827a;overflow:hidden}.hero-photo{height:100%;width:100%;object-fit:cover;position:absolute;inset:0;object-position:45% center;transition:transform 10s ease}.hero-image-wrap:hover .hero-photo{transform:scale(1.025)}.image-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,40,42,.08) 37%,rgba(6,34,40,.75) 100%)}.hero-image-note{position:absolute;bottom:73px;left:9%;right:9%;color:white}.hero-image-note span{display:block;text-transform:uppercase;letter-spacing:.23em;font-size:.73rem;margin-bottom:12px}.hero-image-note strong{display:block;font-size:clamp(1.3rem,2.5vw,2.3rem);max-width:420px;line-height:1.48;font-weight:550;letter-spacing:-.025em}.photo-credit{position:absolute;bottom:15px;right:20px;font-size:.59rem;color:rgba(255,255,255,.76);text-shadow:0 1px 4px #154}.hero-coord{position:absolute;top:33px;right:38px;font-size:.66rem;letter-spacing:.19em;color:rgba(255,255,255,.8)}.section{padding:92px 0}.section.spacious{padding:125px 0}.section-heading{margin-bottom:55px}.section-heading.split{display:grid;grid-template-columns:1.2fr .8fr;align-items:end;gap:70px}.section-heading h2{margin:18px 0 0;max-width:680px}.section-heading p{max-width:440px;margin:0 0 8px;color:var(--muted);font-size:1.05rem;line-height:1.9}.section-heading.center{text-align:center}.section-heading.center h2{margin-inline:auto}.area-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.area-card{background:var(--paper);border:1px solid var(--line);min-height:232px;display:grid;grid-template-columns:50px 1fr;grid-template-rows:1fr auto;column-gap:20px;padding:33px 34px 30px;position:relative;transition:transform .2s,box-shadow .2s,border .2s}.area-card:hover{border-color:#87b0a4;transform:translateY(-3px);box-shadow:0 18px 50px rgba(30,55,52,.07)}.area-card h3{margin-bottom:13px}.area-card p{color:var(--muted);font-size:.91rem;max-width:430px;line-height:1.85}.area-num{font-family:var(--serif);color:var(--gold);font-size:1.3rem}.area-card .arrow-circle{grid-column:2;display:flex;justify-content:flex-end;color:var(--brand-dark);margin-top:12px}.area-card .arrow-circle svg{width:21px}.editorial-section{background:var(--dark);color:#eff5f3;padding:105px 0}.editorial-layout{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:clamp(55px,7vw,125px);align-items:center}.editorial-visual{height:630px;position:relative;background:#31605a;overflow:hidden}.editorial-photo{height:100%;width:100%;object-fit:cover}.editorial-stamp{position:absolute;bottom:38px;left:35px;border:1px solid rgba(255,255,255,.77);border-radius:50%;width:145px;height:145px;display:flex;align-items:center;justify-content:center;color:#fff;text-align:center;font-size:.88rem;letter-spacing:.23em;font-weight:750;line-height:1.5;transform:rotate(-13deg);background:rgba(13,42,47,.18)}.image-attrib{position:absolute;bottom:9px;right:14px;color:rgba(255,255,255,.9);font-size:.58rem}.editorial-copy .eyebrow{color:#b7bca0}.editorial-copy h2{color:#fff;margin:22px 0 47px}.reality-item{display:grid;grid-template-columns:96px 1fr;gap:25px;padding:25px 0;border-top:1px solid rgba(245,246,244,.21)}.reality-item>span{font-size:.64rem;color:#a0c1be;letter-spacing:.11em;font-weight:700;padding-top:6px}.reality-item h3{color:white;font-size:1.2rem;margin-bottom:12px}.reality-item p{color:#becfcb;font-size:.9rem;line-height:1.9;margin:0}.inline-arrow{display:inline-flex;align-items:center;gap:11px;color:#f0e3ce;font-size:.91rem;font-weight:650;margin-top:30px}.inline-arrow:hover{color:white}.inline-arrow svg{width:17px}.process-section{background:#ebece6}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:65px 0 95px}.process-card{padding:0 25px 0 28px;border-left:1px solid #bdccc6;min-height:215px}.process-card:first-child{padding-left:0;border-left:0}.process-number{font-family:var(--serif);font-size:2.9rem;color:var(--gold);display:block;line-height:1;margin-bottom:37px}.process-card h3{font-size:1.12rem;margin-bottom:13px}.process-card p{font-size:.87rem;color:var(--muted);line-height:1.9}.statement{border-top:1px solid #becbc6;padding:43px 0 0;display:flex;align-items:flex-start;gap:30px;max-width:850px;margin:auto}.statement-mark{font-family:Georgia,serif;font-size:6rem;color:var(--brand);line-height:1}.statement h3{font-size:1.54rem;margin:10px 0 12px}.statement p{color:var(--muted);margin:0}.closing{background:linear-gradient(115deg,#17434a,#133238);color:white;position:relative;overflow:hidden}.closing:before{content:"";width:600px;height:600px;position:absolute;right:-200px;top:-300px;border:1px solid #718e84;border-radius:50%;box-shadow:0 0 0 78px rgba(184,204,188,.05),0 0 0 166px rgba(184,204,188,.04);pointer-events:none}.closing-inner{display:flex;align-items:center;justify-content:space-between;gap:70px;position:relative}.closing .eyebrow{color:#cdbb9d}.closing h2{color:white;max-width:780px;margin:22px 0 16px;font-size:clamp(2.05rem,3.5vw,3.7rem)}.closing p{color:#c4d7d5;max-width:680px;margin:0}.closing .btn{min-width:230px;flex-shrink:0}.site-footer{background:var(--darker);color:#dbe6e1;padding:85px 0 26px}.footer-main{display:grid;grid-template-columns:1fr 1fr;gap:100px;padding-bottom:75px}.brand-light .brand-symbol{color:#d4b991;border-color:#6e8885}.brand-light strong{color:#fff}.brand-light small{color:#a5b5b3}.footer-brand p{margin-top:25px;color:#9fb1ae;max-width:440px;font-size:.9rem;line-height:1.95}.footer-links{display:flex;justify-content:space-between;gap:25px}.footer-links>div{display:flex;flex-direction:column;gap:10px;min-width:175px}.footer-links strong{font-size:.84rem;color:#e9efeb;letter-spacing:.1em;margin-bottom:20px}.footer-links a{font-size:.81rem;color:#a6b6b2;transition:color .2s}.footer-links a:hover{color:white}.footer-bottom{border-top:1px solid rgba(221,233,227,.14);padding-top:21px;display:flex;align-items:center;justify-content:space-between;color:#92aaa6;font-size:.68rem;letter-spacing:.035em}.backtop{position:fixed;right:22px;bottom:22px;z-index:55;opacity:0;pointer-events:none;transition:opacity .2s}.backtop.show{opacity:1;pointer-events:auto}.backtop a{display:grid;place-items:center;height:43px;width:43px;background:#fdfcf8;border:1px solid #b4c7bd;color:var(--brand-dark);border-radius:50%;box-shadow:0 5px 24px rgba(20,52,56,.12)}
/* Interior pages */
.page-intro{padding:95px 0 90px;background:linear-gradient(120deg,#f6f5ef 0%,#eff1eb 75%);border-bottom:1px solid var(--line);position:relative;overflow:hidden}.page-intro-layout{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(150px,.6fr);gap:40px;align-items:center;position:relative;z-index:1}.page-intro h1{margin:27px 0 22px;max-width:850px;font-size:clamp(2.8rem,5vw,5.1rem);line-height:1.18}.page-intro p{max-width:800px;color:var(--muted);font-size:1.13rem;line-height:1.94}.intro-ornament{height:260px;position:relative;display:grid;place-items:center}.orb{position:absolute;border-radius:50%;aspect-ratio:1}.orb-a{height:290px;border:1px solid #d1d9cf;box-shadow:0 0 0 37px rgba(56,105,92,.04),0 0 0 78px rgba(56,105,92,.035)}.orb-b{height:154px;background:radial-gradient(circle at 32% 36%,#6b9b8a,#145850 90%);box-shadow:inset -15px -20px 40px #214b47}.intro-ornament span{position:absolute;bottom:0;font-size:.69rem;letter-spacing:.2em;color:#739088}.content-page{padding:90px 0 115px}.insight-banner{padding:34px 40px;border-left:4px solid var(--brand);background:#edf2ed;display:flex;gap:24px;align-items:start;margin-bottom:60px}.insight-banner svg{color:var(--brand-dark);width:30px;height:30px}.insight-banner h2{font-size:1.5rem;margin-bottom:9px}.insight-banner p{margin:0;max-width:980px;color:#576e6a}.fact-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px;margin:0 0 110px}.fact-card{background:var(--paper);border:1px solid var(--line);padding:28px;min-height:264px}.small-index{color:var(--gold);font-size:.7rem;font-weight:750;letter-spacing:.15em}.fact-card h3{font-size:1.2rem;margin:35px 0 14px}.fact-card p{color:var(--muted);font-size:.88rem;line-height:1.85}.two-col-section{display:grid;grid-template-columns:.9fr 1.1fr;gap:100px;align-items:start;margin-bottom:115px}.two-col-section h2{margin:16px 0 20px}.muted{color:var(--muted)}.checklist{padding:0;margin:0;list-style:none;border-top:1px solid var(--line)}.checklist li{display:flex;gap:19px;align-items:flex-start;padding:19px 0;border-bottom:1px solid var(--line);font-weight:550}.checklist svg{color:var(--brand);height:19px;width:19px;margin-top:4px}.info-split{display:grid;grid-template-columns:1fr 1fr;gap:20px}.info-split article{background:var(--paper);border:1px solid var(--line);padding:38px 35px}.info-split h3{font-size:1.37rem}.info-split p{color:var(--muted);font-size:.94rem;line-height:1.9}.text-link{display:inline-flex;align-items:center;gap:5px;color:var(--brand-dark);font-size:.86rem;font-weight:650;text-decoration:underline;text-decoration-color:#9ab5ac;text-underline-offset:5px}.text-link svg{height:13px;width:13px}.service-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.service-card{background:var(--paper);padding:43px 44px 39px;border:1px solid var(--line);position:relative}.service-card:last-child:nth-child(odd){grid-column:span 2;display:grid;grid-template-columns:70px 1fr 1fr;gap:15px;align-items:start}.service-num{font:2.4rem var(--serif);color:var(--gold);line-height:1}.service-card h2{font-size:1.58rem;margin:28px 0 16px}.service-card:last-child:nth-child(odd) h2{margin:0}.service-card p{color:var(--muted);font-size:.94rem;max-width:590px}.service-card ul{list-style:none;border-top:1px solid var(--line);padding:15px 0 0;margin:23px 0 0;display:grid;gap:10px}.service-card li{font-size:.87rem;display:flex;align-items:center;gap:13px;color:var(--ink-2)}.service-card li svg{width:15px;height:15px;color:var(--brand)}.service-card:last-child:nth-child(odd) ul{margin:0}.legal-callout{margin-top:72px;border-top:1px solid var(--line);padding:50px 25px 0;max-width:950px;margin-inline:auto;text-align:center}.legal-callout .tag{font-size:.65rem;letter-spacing:.21em;color:var(--brand);font-weight:770}.legal-callout h2{font-size:1.9rem;margin:15px 0 18px}.legal-callout p{color:var(--muted);line-height:1.9}.principle{padding:46px;background:#e8eeea;display:flex;align-items:center;gap:37px;margin-bottom:90px}.principle-emblem{font:6rem var(--serif);color:var(--brand-dark);line-height:1}.principle h2{font-size:clamp(1.5rem,2.35vw,2.5rem);margin-bottom:12px}.principle p{color:var(--muted);margin:0}.scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px;margin-bottom:115px}.scenario{background:#fffefa;border:1px solid var(--line);padding:38px 32px 28px;display:flex;flex-direction:column;min-height:350px}.scenario .eyebrow:before{width:12px}.scenario h3{font-size:1.35rem;margin:32px 0 17px}.scenario p{font-size:.9rem;color:var(--muted);line-height:1.9;flex:1}.scenario-footer{padding-top:16px;border-top:1px solid var(--line);display:flex;gap:11px;align-items:center;color:var(--brand-dark);font-size:.83rem}.scenario-footer svg{height:17px;width:17px}.rates-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px;align-items:start}.rates-layout h2{margin:17px 0}.rates-table{background:var(--paper);padding:15px 33px;border:1px solid var(--line)}.rate-row{padding:20px 0;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:20px}.rate-row span{color:var(--muted);font-size:.91rem}.rate-row strong{font-size:.91rem;color:var(--ink);text-align:right}.rate-source{padding:17px 0 7px;color:var(--muted);font-size:.7rem}.rate-source .text-link{font-size:.73rem}.education-stack{border-top:1px solid var(--line);margin-bottom:90px}.education-item{display:grid;grid-template-columns:150px 1fr;gap:50px;border-bottom:1px solid var(--line);padding:46px 20px}.education-index{font:2.85rem var(--serif);color:var(--gold)}.education-item h2{font-size:clamp(1.5rem,2.3vw,2.3rem);margin:17px 0}.education-item p{color:var(--muted);max-width:800px}.question-panel{background:#e7efea;padding:45px 55px;display:grid;grid-template-columns:.8fr 1.2fr;gap:60px}.question-panel h2{font-size:2.1rem;margin:20px 0}.question-panel ol{margin:0;padding-left:26px}.question-panel li{padding:12px 0;border-bottom:1px solid #c8d4cf}.reference-line{margin:26px 0;color:var(--muted)}.faq-section{padding:100px 0}.faq-layout{display:grid;grid-template-columns:.42fr 1fr;gap:90px}.faq-note{position:sticky;top:170px;align-self:start}.faq-note p{font:1.8rem/1.5 var(--serif);color:var(--ink);margin:26px 0 30px}.faq-note .btn{font-family:var(--sans)}.faq-list{border-top:1px solid var(--line)}.faq-item{border-bottom:1px solid var(--line)}.faq-item summary{list-style:none;display:flex;gap:21px;align-items:flex-start;cursor:pointer;padding:28px 9px 28px 0;color:var(--ink)}.faq-item summary::-webkit-details-marker{display:none}.faq-counter{font-size:.73rem;color:var(--gold);flex:0 0 30px;padding-top:6px}.faq-item summary strong{font-size:1.06rem;line-height:1.65;flex:1;font-weight:630}.faq-plus{font-size:1.65rem;font-weight:250;line-height:1;margin-left:12px;transition:transform .2s}.faq-item[open] .faq-plus{transform:rotate(45deg)}.faq-answer{padding:0 55px 30px;color:var(--muted);line-height:1.95;font-size:.94rem;max-width:830px}.contact-section{padding:90px 0 115px}.contact-layout{display:grid;grid-template-columns:minmax(290px,.8fr) minmax(0,1.2fr);gap:clamp(35px,7vw,115px);align-items:start}.contact-aside{padding-top:15px}.contact-kicker{letter-spacing:.21em;font-size:.72rem;font-weight:750;color:var(--brand)}.contact-aside h2{font-size:2.35rem;margin:24px 0 37px}.detail-row{display:flex;gap:24px;border-top:1px solid var(--line);padding:24px 0}.detail-row>span{font:1.25rem var(--serif);color:var(--gold)}.detail-row p{margin:0;color:var(--ink-2)}.contact-assurance{padding:26px;margin-top:28px;background:#e8efea;display:flex;gap:19px;align-items:start}.contact-assurance svg{color:var(--brand);width:23px;height:23px}.contact-assurance p{font-size:.9rem;margin:0}.smaller{font-size:.79rem;margin-top:18px}.form-card{background:var(--paper);border:1px solid var(--line);padding:49px 48px}.form-card h2{font-size:2rem;margin:0 0 35px}.form-notice{display:flex;align-items:start;gap:15px;background:#fff2dc;border-left:3px solid #bd9457;padding:18px;margin-bottom:25px;color:#725b3b}.form-notice svg{width:21px;height:21px}.form-notice p{margin:0;font-size:.86rem}.enquiry-form{display:grid;gap:24px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:17px}.enquiry-form label{display:flex;flex-direction:column;gap:10px;font-weight:650;font-size:.86rem;color:var(--ink)}.enquiry-form label>span:first-of-type:not(.consent-row span){color:#af6b43}.enquiry-form input:not([type=checkbox]),.enquiry-form select,.enquiry-form textarea{width:100%;border:1px solid #cdd8d2;border-radius:3px;background:#fbfcfa;color:var(--ink);padding:13px 14px;min-height:49px;font-size:.87rem;outline-offset:2px}.enquiry-form input:focus,.enquiry-form textarea:focus,.enquiry-form select:focus{border-color:var(--brand)}.enquiry-form input:disabled,.enquiry-form textarea:disabled,.enquiry-form select:disabled{background:#f4f4f0;color:#a0aaa6;cursor:not-allowed}.enquiry-form input::placeholder,.enquiry-form textarea::placeholder{color:#93a19c}.enquiry-form textarea{resize:vertical;min-height:138px}.enquiry-form .consent-row{display:flex;flex-direction:row;align-items:flex-start;gap:13px;line-height:1.8;font-size:.79rem;font-weight:480;color:#4b6260}.consent-row input{width:18px;height:18px;accent-color:var(--brand);margin:5px 0 0;flex:none}.consent-row span{display:block!important;color:#4b6260!important}.consent-row a{color:var(--brand-dark);text-decoration:underline;text-underline-offset:3px}.enquiry-form input.trap{position:absolute!important;width:1px!important;height:1px!important;opacity:0;pointer-events:none;left:-9999px}.submit-btn{width:100%;cursor:pointer}.submit-btn:disabled{background:#9bafaa;border-color:#9bafaa;cursor:not-allowed;transform:none}.form-status{margin:0;font-size:.84rem;min-height:0}.form-status[data-state=error]{color:#a13f2f}.form-status[data-state=success]{color:#136750}.prose-section{padding:80px 0 110px}.prose-wrap{max-width:840px}.prose-wrap article{padding:38px 0;border-bottom:1px solid var(--line)}.prose-wrap article h2{font-size:1.6rem;margin:12px 0 15px}.prose-wrap article p{color:var(--muted);font-size:.97rem}.privacy-last{color:var(--muted);font-size:.83rem;margin-top:34px}.source-heading{display:flex;gap:60px;justify-content:space-between;align-items:start;border-bottom:1px solid var(--line);margin-bottom:50px;padding-bottom:28px}.source-heading p:first-child{font-weight:700;color:var(--brand-dark);white-space:nowrap}.source-heading p:last-child{color:var(--muted);max-width:770px}.source-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.source-card{background:var(--paper);border:1px solid var(--line);padding:35px;min-height:225px;position:relative;transition:transform .18s,border .18s}.source-card:hover{border-color:#87b0a4;transform:translateY(-3px)}.source-card h2{font-size:1.16rem;margin:29px 0 15px;padding-right:14px}.source-card p{font-size:.74rem;color:var(--muted)}.source-arrow{position:absolute;bottom:23px;right:20px;color:var(--brand-dark)}.source-arrow svg{width:18px;height:18px}
/* Responsive */
@media(max-width:1200px){.desktop-nav{gap:13px}.desktop-nav a{font-size:.77rem}.brand strong{font-size:.92rem}.brand small{font-size:.49rem}.header-inner{gap:16px}.header-cta{font-size:.72rem;padding:10px 9px}.container{width:min(var(--container),calc(100% - 64px))}.hero-copy-inner{padding-left:50px;padding-right:38px}}
@media(max-width:1030px){.desktop-nav,.header-cta{display:none}.menu-toggle{display:flex}.header-inner{min-height:77px}.mobile-nav{position:absolute;left:0;top:100%;right:0;background:var(--paper);padding:12px 7% 24px;box-shadow:0 18px 25px rgba(20,49,48,.09);border-bottom:1px solid var(--line)}.mobile-nav:not([hidden]){display:grid;grid-template-columns:1fr 1fr;gap:8px}.mobile-nav a{padding:13px;border-bottom:1px solid var(--line);font-size:.91rem}.mobile-nav a.current{color:var(--brand-dark);font-weight:750}.fact-grid{grid-template-columns:1fr 1fr}.scenario-grid{grid-template-columns:1fr 1fr}.scenario:last-child{grid-column:span 2;min-height:250px}.source-grid{grid-template-columns:1fr 1fr}}
@media(max-width:800px){.container{width:calc(100% - 44px)}.hero{grid-template-columns:1fr}.hero-copy{justify-content:flex-start}.hero-copy-inner{padding:78px 35px 65px}.hero h1{font-size:clamp(2.9rem,7vw,4.7rem)}.hero-image-wrap{height:390px;min-height:390px}.hero-image-note{bottom:45px}.hero-meta{margin-top:50px}.section,.section.spacious{padding:80px 0}.section-heading.split{grid-template-columns:1fr;gap:18px}.section-heading{margin-bottom:38px}.area-card{min-height:215px;padding:25px}.editorial-layout{grid-template-columns:1fr;gap:60px}.editorial-section{padding:80px 0}.editorial-visual{height:400px}.editorial-stamp{height:105px;width:105px;font-size:.7rem}.process-grid{grid-template-columns:1fr 1fr;row-gap:50px}.process-card:nth-child(3){padding-left:0;border-left:0}.closing-inner{align-items:start;flex-direction:column;gap:30px}.footer-main{gap:50px}.page-intro{padding:75px 0}.page-intro-layout{grid-template-columns:1fr}.intro-ornament{display:none}.two-col-section,.rates-layout{grid-template-columns:1fr;gap:35px}.info-split{grid-template-columns:1fr}.content-page{padding:70px 0}.service-card:last-child:nth-child(odd){grid-template-columns:1fr;gap:0}.service-card:last-child:nth-child(odd) h2{margin:25px 0 15px}.service-card:last-child:nth-child(odd) ul{margin-top:22px}.question-panel{grid-template-columns:1fr;gap:15px}.education-item{grid-template-columns:85px 1fr;gap:20px}.faq-layout{grid-template-columns:1fr;gap:40px}.faq-note{position:static}.contact-layout{grid-template-columns:1fr;gap:40px}.contact-aside{padding:0}.contact-aside h2{font-size:1.9rem}.footer-main{grid-template-columns:1fr}.footer-links{justify-content:flex-start;gap:85px}.source-heading{display:block}.source-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.notice-bar{font-size:.58rem;padding:6px 12px}.container{width:calc(100% - 34px)}.header-inner{min-height:70px;gap:8px}.brand-symbol{width:36px;height:36px}.brand-symbol svg{width:33px;height:33px}.brand strong{font-size:.83rem;letter-spacing:.11em}.brand small{font-size:.42rem;letter-spacing:.09em;margin-top:5px}.header-actions{gap:3px}.lang-wrap{gap:2px}.lang-wrap select{font-size:.69rem;max-width:54px}.lang-wrap svg{width:13px;height:13px}.hero-copy-inner{padding:60px 22px 56px}.hero h1{font-size:clamp(2.65rem,10vw,3.5rem);margin:22px 0}.hero-lede{font-size:.98rem;line-height:1.85}.hero-actions{gap:10px}.hero-actions .btn{width:100%}.hero-meta{letter-spacing:.13em;font-size:.58rem}.hero-image-wrap{height:355px;min-height:355px}.hero-coord{top:20px;right:20px}.section,.section.spacious{padding:65px 0}.section-heading h2{font-size:2rem}.section-heading p{font-size:.94rem}.area-grid,.fact-grid,.service-grid,.source-grid{grid-template-columns:1fr}.area-card{grid-template-columns:35px 1fr;column-gap:12px;min-height:192px;padding:24px 22px}.area-card h3{font-size:1.17rem}.area-card p{font-size:.86rem}.editorial-visual{height:335px}.editorial-copy h2{font-size:2rem}.reality-item{grid-template-columns:1fr;gap:5px;padding:20px 0}.reality-item>span{padding-top:0}.process-grid{grid-template-columns:1fr;margin:45px 0 65px;gap:23px}.process-card,.process-card:nth-child(3){padding:0 0 23px 0;border-left:0;border-bottom:1px solid #bdccc6;min-height:0}.process-number{font-size:2rem;margin-bottom:18px}.statement{gap:12px}.statement-mark{font-size:4rem}.statement h3{font-size:1.3rem}.closing h2{font-size:2.3rem}.closing .btn{width:100%}.site-footer{padding:65px 0 23px}.footer-main{gap:30px;padding-bottom:50px}.footer-links{gap:22px;justify-content:space-between}.footer-links>div{min-width:0;width:50%}.footer-bottom{display:flex;align-items:flex-start;flex-direction:column;gap:7px}.page-intro{padding:59px 0}.page-intro h1{font-size:2.6rem}.page-intro p{font-size:.99rem}.fact-card{min-height:0}.insight-banner{padding:26px 20px;gap:13px}.insight-banner svg{width:25px;height:25px}.insight-banner h2{font-size:1.23rem}.service-card{padding:30px 25px}.service-card:last-child:nth-child(odd){grid-column:span 1}.scenario-grid{grid-template-columns:1fr}.scenario:last-child{grid-column:span 1}.scenario{min-height:290px}.principle{padding:28px 22px;gap:17px;align-items:start}.principle-emblem{font-size:4rem}.rates-table{padding:10px 17px}.rate-row{gap:9px}.rate-row span{font-size:.82rem}.rate-row strong{font-size:.82rem}.education-item{grid-template-columns:1fr;gap:0;padding:32px 0}.education-index{font-size:2.3rem;margin-bottom:15px}.question-panel{padding:33px 22px}.faq-section{padding:65px 0}.faq-note p{font-size:1.52rem}.faq-item summary{gap:10px;padding:22px 0}.faq-counter{flex:0 0 25px}.faq-item summary strong{font-size:.96rem}.faq-answer{padding:0 27px 22px;font-size:.87rem}.contact-section{padding:65px 0}.form-card{padding:32px 21px}.form-row{grid-template-columns:1fr}.form-card h2{font-size:1.65rem;margin-bottom:23px}.source-card{min-height:195px}.legal-callout{padding:42px 5px 0}.legal-callout h2{font-size:1.55rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}