:root{
    --navy:#0C3C63;
    --navy-deep:#082B48;
    --gold:#C9962E;--gold-light:#E0B04A;--gold-ink:#7A5810;
    --gold-soft:#F3E6C8;
    --paper:#FAF9F5;
    --white:#FFFFFF;
    --ink:#1E2A36;
    --muted:#5A6573;
    --line:#E3DFD4;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
  body{font-family:'Poppins',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:16px}
  a{color:var(--navy)}
  a:focus-visible,button:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--gold-ink);outline-offset:3px}
  footer :focus-visible,.strip :focus-visible,.page-hero :focus-visible,.cta-band :focus-visible,.facts :focus-visible{outline-color:var(--gold-light)}
  .skip-link{position:absolute;left:12px;top:-60px;z-index:100;background:var(--navy);color:#fff;padding:10px 16px;border-radius:6px;font-weight:600}
  .skip-link:focus{top:12px}
  [id]{scroll-margin-top:110px}
  h2.h3{font-size:1.25rem;margin-bottom:.4em}
  .contact-card h2.h3{font-size:1.05rem}
  .foot-grid h2.foot-h{font-family:'Poppins',sans-serif;color:var(--white);font-size:.95rem;margin-bottom:8px;font-weight:600;line-height:1.4}
  .wrap{max-width:1100px;margin:0 auto;padding:0 20px}
  h1,h2,h3{font-family:'Playfair Display',Georgia,serif;color:var(--navy);line-height:1.2}
  h2{font-size:clamp(1.8rem,4vw,2.5rem);margin-bottom:.4em}
  h3{font-size:1.25rem;margin-bottom:.4em}
  p{max-width:70ch}
  .rule{width:90px;height:4px;background:var(--gold);margin:14px 0 26px}

  /* Top strip */
  .strip{background:var(--navy-deep);color:#DCE5EE;font-size:.82rem}
  .strip .wrap{display:flex;flex-wrap:wrap;gap:6px 22px;justify-content:space-between;padding-top:8px;padding-bottom:8px}
  .strip b{color:var(--gold-light)}

  /* Header */
  header{background:var(--white);border-top:6px solid var(--gold);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
  header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px}
  .brand{font-family:'Playfair Display',serif;font-weight:900;font-size:1.5rem;color:var(--navy);text-decoration:none;letter-spacing:.02em}
  .brand small{display:block;font-family:'Poppins',sans-serif;font-weight:500;font-size:.72rem;color:var(--gold-ink);letter-spacing:.04em}
  nav ul{list-style:none;display:flex;gap:22px}
  nav a{text-decoration:none;font-weight:500;font-size:.93rem;color:var(--ink)}
  nav a:hover{color:var(--gold-ink)}
  .menu-btn{display:none;background:none;border:2px solid var(--navy);color:var(--navy);border-radius:6px;padding:6px 12px;font:600 .9rem 'Poppins',sans-serif;cursor:pointer}

  /* Hero */
  .hero{background:var(--white);border-bottom:1px solid var(--line)}
  .hero .wrap{padding-top:80px;padding-bottom:80px;text-align:center}
  .hero h1{font-size:clamp(2.6rem,9vw,6rem);font-weight:900;letter-spacing:.01em}
  .hero .rule{margin:22px auto 26px;width:140px}
  .hero .tag{font-weight:600;font-size:clamp(1.1rem,2.6vw,1.6rem);color:var(--navy);letter-spacing:.02em}
  .hero .by{color:var(--muted);margin-top:8px}
  .hero p.lead{margin:26px auto 0;color:var(--muted)}
  .reg{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 40px;margin-top:30px;font-weight:600;color:var(--navy)}
  .reg span b{color:var(--gold-ink)}
  .btns{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:36px}
  .btn{display:inline-block;padding:13px 28px;border-radius:6px;font-weight:600;text-decoration:none;border:2px solid var(--navy)}
  .btn.primary{background:var(--navy);color:var(--white)}
  .btn.primary:hover{background:var(--navy-deep)}
  .btn.ghost{color:var(--navy);background:transparent}
  .btn.ghost:hover{background:var(--gold-soft)}

  section{padding:76px 0;scroll-margin-top:90px}
  section.alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

  /* About */
  .about-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:start}
  .facts{background:var(--navy);color:#E8EEF4;border-radius:10px;padding:28px;border-bottom:6px solid var(--gold)}
  .facts dt{font-size:.8rem;color:var(--gold-light);font-weight:600;margin-top:14px}
  .facts dt:first-child{margin-top:0}
  .facts dd{font-weight:500}

  /* Services */
  .services{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:3px solid var(--navy)}
  .service{padding:28px 26px 30px;border-bottom:1px solid var(--line)}
  .service:not(:nth-child(3n+1)){border-left:1px solid var(--line)}
  .service p{color:var(--muted);font-size:.95rem}

  /* Steps */
  .steps{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:26px;margin-top:10px}
  .steps li{counter-increment:s;position:relative;padding-top:58px}
  .steps li::before{content:counter(s);position:absolute;top:0;left:0;width:42px;height:42px;border-radius:50%;background:var(--gold);color:var(--white);font:700 1.2rem 'Playfair Display',serif;display:grid;place-items:center}
  .steps li p{color:var(--muted);font-size:.95rem}

  /* Grievance */
  .levels{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:10px}
  .level{background:var(--white);border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:8px;padding:22px 24px}
  .level p{color:var(--muted);font-size:.95rem}
  table{width:100%;border-collapse:collapse;margin-top:18px;font-size:.9rem;background:var(--white)}
  th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}
  th{background:var(--navy);color:var(--white);font-weight:500}
  tbody th[scope="row"]{background:var(--paper);color:var(--navy);font-weight:600}
  td small{color:var(--gold-ink);font-weight:600}
  thead th small{color:#DCE5EE;font-weight:400}
  .fee-table td{white-space:nowrap}
  .fee-table tbody th{min-width:180px}
  .table-scroll{overflow-x:auto}
  .note{font-size:.85rem;color:var(--muted);margin-top:10px}

  /* Policies */
  details{background:var(--white);border:1px solid var(--line);border-radius:8px;margin-bottom:12px}
  summary{cursor:pointer;padding:18px 22px;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
  summary::-webkit-details-marker{display:none}
  summary::after{content:'+';color:var(--gold);font-size:1.3rem;line-height:1}
  details[open] summary::after{content:'−'}
  details .body{padding:0 22px 22px;color:var(--ink);font-size:.94rem}
  details .body p,details .body li{margin-top:10px;max-width:none}
  details .body ul{padding-left:20px}

  /* Contact */
  .contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .contact-card{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:8px;padding:24px}
  .contact-card h3{font-size:1.05rem}
  .contact-card a{word-break:break-word}

  /* Footer */
  footer{background:var(--navy);color:#D5DFE9;font-size:.85rem;border-top:6px solid var(--gold)}
  footer .wrap{padding-top:40px;padding-bottom:40px}
  footer .disc{border-top:1px solid rgba(255,255,255,.15);margin-top:22px;padding-top:18px}
  footer .disc p{max-width:none;margin-top:8px}
  footer a{color:var(--gold-light)}
  footer .brand{color:var(--white)}

  @media (max-width:900px){
    .about-grid{grid-template-columns:1fr}
    .services{grid-template-columns:1fr}
    .service:not(:nth-child(3n+1)){border-left:none}
    .steps{grid-template-columns:repeat(2,1fr)}
    .levels,.contact-grid{grid-template-columns:1fr}
  }
  @media (max-width:760px){
    .menu-btn{display:block}
    nav ul{display:none;position:absolute;left:0;right:0;top:100%;background:var(--white);flex-direction:column;gap:0;border-bottom:1px solid var(--line)}
    nav ul.open{display:flex}
    nav li a{display:block;padding:14px 20px;border-top:1px solid var(--line)}
    .steps{grid-template-columns:1fr}
    section{padding:56px 0}
    .hero .wrap{padding-top:56px;padding-bottom:56px}
  }

  /* Multi-page additions */
  nav{display:flex;align-items:center;gap:22px}
  nav a[aria-current="page"]{color:var(--gold-ink);font-weight:600}
  .nav-cta{display:inline-block;background:var(--navy);color:var(--white)!important;padding:9px 18px;border-radius:6px;font-weight:600;font-size:.9rem;text-decoration:none;white-space:nowrap}
  .nav-cta:hover{background:var(--navy-deep)}
  .page-hero{background:var(--navy);color:#E8EEF4;border-bottom:6px solid var(--gold)}
  .page-hero .wrap{padding-top:54px;padding-bottom:50px}
  .page-hero h1{color:var(--white);font-size:clamp(2rem,5vw,3.2rem);font-weight:800}
  .page-hero p{margin-top:10px;color:#C9D6E3}
  .crumb{font-size:.82rem;color:var(--gold-light);margin-bottom:10px}
  .crumb a{color:var(--gold-light);text-decoration:none}
  .service{display:flex;flex-direction:column}
  .service .plan-link{margin-top:auto;padding-top:16px;font-weight:600;font-size:.92rem;color:var(--navy);text-decoration:none;border-bottom:2px solid var(--gold);align-self:flex-start}
  .service .plan-link:hover{color:var(--gold-ink)}
  .cta-band{background:var(--navy);color:#E8EEF4;border-top:6px solid var(--gold)}
  .cta-band .wrap{padding-top:54px;padding-bottom:54px;display:flex;flex-wrap:wrap;gap:20px 40px;align-items:center;justify-content:space-between}
  .cta-band h2{color:var(--white);margin:0}
  .cta-band p{color:#C9D6E3;margin-top:6px}
  .btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy-deep)}
  .btn.gold:hover{background:#b7862a}
  .prose h2{font-size:1.6rem;margin-top:40px}
  .prose h2:first-child{margin-top:0}
  .prose p,.prose li{margin-top:12px}
  .prose ul,.prose ol{padding-left:22px}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
  .foot-grid h4{color:var(--white);font-size:.95rem;margin-bottom:8px;font-weight:600}
  .foot-grid ul{list-style:none}
  .foot-grid li{margin-top:6px}
  .foot-grid a{color:#D5DFE9;text-decoration:none}
  .foot-grid a:hover{color:var(--gold-light)}
  .service-detail{display:grid;grid-template-columns:1fr 1fr;gap:10px 40px;padding:34px 0;border-bottom:1px solid var(--line)}
  .service-detail:first-of-type{border-top:3px solid var(--navy)}
  .service-detail ul{padding-left:20px;color:var(--muted);font-size:.95rem}
  .service-detail li{margin-top:6px}
  @media (max-width:900px){
    .foot-grid{grid-template-columns:1fr}
    .service-detail{grid-template-columns:1fr}
  }
  @media (max-width:760px){
    nav{gap:10px}
    .nav-cta{padding:7px 12px;font-size:.82rem}
  }
  section.page-hero,section.cta-band{padding:0}
  @media (max-width:760px){
    .brand{font-size:1.1rem}
    .brand small{font-size:.62rem}
    header .wrap{gap:10px}
    .menu-btn{padding:6px 10px}
  }
  /* Logo and compliance additions */
  .brand{display:flex;align-items:center;gap:12px}
  .brand-logo{flex:none;display:block}
  .hero-logo{display:block;margin:0 auto 26px}
  .hero-warn{margin:30px auto 0;font-size:.85rem;color:var(--muted)}
  .caution{margin-top:34px;background:#FFF6E3;border:1px solid #EBD39C;border-left:5px solid var(--gold);border-radius:8px;padding:20px 24px}
  .caution p{color:var(--ink);font-size:.95rem;max-width:none}
  ol.mitc{padding-left:24px}
  ol.mitc li{margin-top:14px;padding-left:4px}
  tbody th[scope="row"]{background:var(--gold-soft);color:var(--navy);font-weight:600;width:34%}
  @media (max-width:760px){
    .brand-logo{width:36px;height:36px}
    .hero-logo{width:84px;height:84px}
  }
  @media (max-width:760px){ header .brand small{display:none} }
  /* Client logo */
  .brand-logo{height:52px;width:auto}
  .brand-tag{font-family:'Poppins',sans-serif;font-size:.72rem;font-weight:600;line-height:1.3;color:var(--navy);border-left:2px solid var(--gold);padding-left:10px}
  .hero-logo{width:320px;max-width:80%;height:auto;margin:0 auto 18px}
  .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
  @media (max-width:760px){ .brand-logo{height:42px;width:auto} .brand-tag{display:none} .hero-logo{width:240px;height:auto} }
  .foot-logo{display:inline-block;background:#fff;padding:10px 16px;border-radius:12px;border-bottom:4px solid var(--gold);line-height:0}
  .foot-logo img{width:160px;height:auto;display:block}
  .foot-logo{padding:6px 10px;border-radius:8px;border-bottom-width:3px;margin-bottom:6px;box-shadow:0 2px 8px rgba(0,0,0,.18)}
  .foot-logo img{width:104px}
  @media (max-width:900px){ .foot-logo img{width:96px} }
  .foot-logo{background:none;padding:0;border:0;border-radius:0;box-shadow:none}
  .foot-logo img{width:120px;filter:drop-shadow(0 0 1px rgba(255,255,255,.95)) drop-shadow(0 0 5px rgba(255,255,255,.35))}
  @media (max-width:900px){ .foot-logo img{width:110px} }