:root{--navy:#0c1a2d;--navy2:#142944;--gold:#cba85a;--cream:#f5f1e8;--ink:#152033;--muted:#5d6674;--line:#d9d6cd}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:#fff;margin:0;font-family:Arial,sans-serif;font-size:18px}.header{z-index:10;background:#fff;border-bottom:1px solid #ece9e2;justify-content:space-between;align-items:center;height:96px;padding:0 6vw;display:flex;position:sticky;top:0}.brand{color:inherit;align-items:center;gap:12px;text-decoration:none;display:flex}.brand>span{background:var(--navy);width:42px;height:42px;color:var(--gold);place-items:center;font:24px Georgia,serif;display:grid}.brand strong{letter-spacing:.18em;font-size:17px;display:block}.brand small{letter-spacing:.22em;color:#7c8390;margin-top:5px;font-size:9px;display:block}.header nav{gap:36px;display:flex}.header nav a,.link{color:var(--ink);font-size:15px;text-decoration:none}.button{background:var(--gold);color:#101827;cursor:pointer;border:0;padding:18px 26px;font-size:16px;font-weight:800;text-decoration:none;display:inline-block}.button.small{padding:15px 20px;font-size:14px}.button.full{text-align:center;width:100%}.hero{background:var(--navy);color:#fff;grid-template-columns:1.15fr .85fr;align-items:center;gap:70px;min-height:740px;padding:100px 7vw;display:grid}.eyebrow{letter-spacing:.2em;color:var(--gold);margin:0 0 25px;font-size:12px;font-weight:800}.hero h1,.intro h2,.calculator h2,.review h2{font-family:Georgia,serif;font-weight:400}.hero h1{margin:0;font-size:clamp(60px,6vw,92px);line-height:1.03}.hero h1 em{color:var(--gold);font-weight:400}.lead{color:#c2cad6;max-width:720px;font-size:22px;line-height:1.55}.actions{align-items:center;gap:28px;margin-top:36px;display:flex}.hero .link{color:#fff}.promise{background:linear-gradient(145deg,#203b5e,#12243d);border:1px solid #51627a;padding:70px 55px}.promise small{letter-spacing:.2em;color:var(--gold);font-size:12px}.promise p{margin:35px 0 0;font:clamp(34px,3.4vw,54px)/1.2 Georgia,serif}.audience{justify-content:center;align-items:center;gap:30px;padding:30px 7vw;font:19px Georgia,serif;display:flex}.audience i{background:var(--gold);width:5px;height:5px;transform:rotate(45deg)}.section{padding:105px 7vw}.intro{max-width:820px}.intro h2,.calculator h2,.review h2{margin:0;font-size:clamp(46px,5vw,72px);line-height:1.08}.cards{background:var(--line);border:1px solid var(--line);grid-template-columns:repeat(2,1fr);gap:1px;margin-top:60px;display:grid}.cards article{background:#fff;min-height:290px;padding:48px}.cards b{color:var(--gold);font:22px Georgia,serif}.cards h3{margin:28px 0 16px;font:32px Georgia,serif}.cards p,.steps p{color:var(--muted);max-width:520px;font-size:18px;line-height:1.65}.calculator{background:var(--navy2);color:#fff;grid-template-columns:.9fr 1.1fr;align-items:start;gap:80px;padding:110px 7vw;display:grid}.calc-copy>p:not(.eyebrow){color:#c4cbd5;font-size:20px;line-height:1.65}.complex-note{border-left:3px solid var(--gold);flex-direction:column;gap:12px;margin-top:45px;padding:5px 0 5px 24px;display:flex}.complex-note strong{font:25px Georgia,serif}.complex-note span{color:#c4cbd5;font-size:16px;line-height:1.5}.complex-note a{color:var(--gold);font-weight:800;text-decoration:none}.calc-panel,.review form,.success{color:var(--ink);background:#fff;padding:42px}.calc-panel label,.review label{flex-direction:column;gap:9px;margin-bottom:20px;font-size:14px;font-weight:800;display:flex}.calc-panel input,.calc-panel select,.review input,.review select,.review textarea{background:#fff;border:1px solid #d7dbe0;width:100%;padding:15px;font:16px Arial}.result{background:var(--cream);margin:28px 0;padding:30px}.result small{letter-spacing:.16em;font-size:11px}.result strong{color:var(--navy);margin:10px 0;font:50px Georgia,serif;display:block}.result p{color:var(--muted);font-size:14px;line-height:1.5}.process{background:var(--cream)}.steps{grid-template-columns:repeat(3,1fr);gap:22px;margin-top:60px;display:grid}.steps article{background:#fff;padding:38px}.steps b{background:var(--navy);width:44px;height:44px;color:var(--gold);border-radius:50%;place-items:center;font-size:18px;display:grid}.steps h3{font:28px Georgia,serif}.review{background:var(--navy);color:#fff;grid-template-columns:.9fr 1.1fr;gap:80px;padding:110px 7vw;display:grid}.review>div>p:not(.eyebrow){color:#c2cad6;font-size:20px;line-height:1.6}.review form>div{grid-template-columns:1fr 1fr;gap:14px;display:grid}.review textarea{resize:none;height:100px}.review form small{color:#7b8492;margin-top:14px;font-size:12px;line-height:1.5;display:block}.success{text-align:center}.success>span{color:#25845f;background:#e6f4ec;border-radius:50%;place-items:center;width:58px;height:58px;margin:auto;display:grid}.success h3{font:30px Georgia,serif}.success p{color:var(--muted);font-size:16px;line-height:1.5}.success button{border:1px solid var(--line);background:#fff;padding:12px 18px}footer{color:#fff;background:#081321;grid-template-columns:1fr 1fr;gap:30px;padding:65px 7vw 30px;display:grid}footer>p{color:#aeb7c5;font-size:15px;line-height:1.6}.legal{color:#7d899a;border-top:1px solid #2c394c;grid-column:1/-1;padding-top:22px;font-size:11px}@media (width<=950px){.header nav{display:none}.hero,.calculator,.review{grid-template-columns:1fr}.hero{min-height:auto}.cards,.steps{grid-template-columns:1fr}.promise{max-width:700px}}@media (width<=600px){body{font-size:17px}.header{height:78px;padding:0 20px}.header .button{display:none}.brand strong{font-size:14px}.brand small{font-size:7px}.hero,.section,.calculator,.review{padding:75px 24px}.hero{gap:45px}.hero h1{font-size:48px}.lead{font-size:19px}.actions{flex-direction:column;align-items:flex-start}.promise{padding:42px 30px}.promise p{font-size:36px}.audience{flex-wrap:wrap;gap:14px;padding:25px 24px}.audience i{display:none}.intro h2,.calculator h2,.review h2{font-size:42px}.cards article{min-height:auto;padding:32px}.cards h3{font-size:28px}.calculator,.review{gap:45px}.calc-panel,.review form,.success{padding:25px}.result strong{font-size:40px}.review form>div{grid-template-columns:1fr}footer{grid-template-columns:1fr;padding:55px 24px}.legal{grid-column:1}}.footer-link{color:var(--gold);margin-top:12px;font-weight:800;text-decoration:none;display:inline-block}.brand>img{object-fit:contain;width:54px;height:54px}.brand>div strong{font-size:17px}.brand>div small{letter-spacing:.08em;white-space:nowrap;font-size:11px;font-weight:800;line-height:1.25}@media (width<=600px){.brand>img{width:44px;height:44px}.brand>div strong{font-size:14px}.brand>div small{letter-spacing:.05em;font-size:9px}}.click-prompt{color:var(--muted);margin-top:24px;font-size:17px}.cards{align-items:start}.solution-card{background:#fff;transition:box-shadow .25s}.solution-card:hover{box-shadow:inset 0 0 0 2px var(--gold)}.solution-card summary{cursor:pointer;grid-template-columns:auto 1fr auto;align-items:start;gap:22px;min-height:290px;padding:48px;list-style:none;display:grid}.solution-card summary::-webkit-details-marker{display:none}.solution-card summary>b{color:var(--gold);font:22px Georgia,serif}.solution-card summary h3{margin:0 0 16px}.solution-card summary p{margin:0}.solution-card summary>span{border:1px solid var(--line);border-radius:50%;place-items:center;width:40px;height:40px;font-size:25px;transition:transform .25s;display:grid}.solution-card[open] summary>span{transform:rotate(45deg)}.solution-details{border-top:1px solid var(--line);padding:30px 48px 40px}.solution-details>strong{letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-size:13px}.solution-details ul{margin:20px 0;padding:0;list-style:none}.solution-details li{border-bottom:1px solid var(--line);padding:12px 0;font-size:16px;line-height:1.45}.solution-details li:before{content:"✓";color:var(--gold);margin-right:10px;font-weight:800}.solution-details a{color:var(--navy);font-size:15px;font-weight:800;text-decoration:none}@media (width<=600px){.solution-card summary{gap:14px;min-height:0;padding:30px 24px}.solution-details{padding:25px 24px 30px}.solution-card summary>span{width:34px;height:34px}.solution-details li{font-size:15px}}.about-page{background:#fff}.about-hero{background:var(--navy);color:#fff;grid-template-columns:1.2fr .8fr;align-items:center;gap:80px;min-height:610px;padding:105px 8vw;display:grid}.about-hero h1{letter-spacing:-.035em;margin:0;font:400 clamp(58px,6.5vw,96px)/1.02 Georgia,serif}.about-hero h1 em{color:var(--gold);font-weight:400;display:block}.about-lead{color:#c5ceda;max-width:760px;margin:30px 0;font-size:22px;line-height:1.6}.about-monogram{background:linear-gradient(145deg,#213b5d,#101d31);border:1px solid #53627a;place-items:center;min-height:430px;display:grid;position:relative}.about-monogram strong{color:var(--gold);font:110px Georgia,serif}.about-monogram span{letter-spacing:.18em;color:#d5dbe4;font-size:12px;font-weight:800;position:absolute;bottom:35px}.about-story{grid-template-columns:.75fr 1.25fr;gap:90px;padding:110px 8vw;display:grid}.about-story h2,.about-authority h2,.about-speaking h2{margin:0;font:400 clamp(44px,5vw,70px)/1.08 Georgia,serif}.about-story-copy p{color:var(--muted);margin:0 0 24px;font-size:21px;line-height:1.75}.credential-grid{grid-template-columns:repeat(4,1fr);gap:1px;padding:0 8vw 110px;display:grid}.credential-grid article{border:1px solid var(--line);min-height:235px;padding:36px}.credential-grid b{color:var(--gold);font:26px Georgia,serif}.credential-grid h3{margin:25px 0 12px;font:26px Georgia,serif}.credential-grid p{color:var(--muted);font-size:16px;line-height:1.55}.about-authority{background:var(--cream);grid-template-columns:1fr 1fr;align-items:center;gap:90px;padding:110px 8vw;display:grid}.authority-list{gap:18px;display:grid}.authority-list article{border-left:4px solid var(--gold);background:#fff;padding:28px 30px}.authority-list h3{margin:0 0 8px;font:25px Georgia,serif}.authority-list p{color:var(--muted);margin:0;font-size:17px;line-height:1.55}.about-speaking{background:var(--navy2);color:#fff;grid-template-columns:1fr .9fr;align-items:center;gap:90px;padding:110px 8vw;display:grid}.about-speaking p{color:#c2cbd7;font-size:21px;line-height:1.7}.speaker-quote{border:1px solid #526079;padding:50px}.speaker-quote blockquote{color:#fff;margin:0;font:34px/1.35 Georgia,serif}.speaker-quote span{color:var(--gold);letter-spacing:.15em;margin-top:28px;font-size:13px;font-weight:800;display:block}.about-cta{text-align:center;padding:95px 8vw}.about-cta h2{margin:0 0 20px;font:400 clamp(42px,5vw,68px)/1.1 Georgia,serif}.about-cta p{color:var(--muted);margin-bottom:32px;font-size:20px}@media (width<=950px){.about-hero,.about-story,.about-authority,.about-speaking{grid-template-columns:1fr}.credential-grid{grid-template-columns:1fr 1fr}.about-monogram{max-width:650px}}@media (width<=600px){.about-hero,.about-story,.about-authority,.about-speaking,.about-cta{padding:75px 24px}.about-hero h1{font-size:52px}.about-lead,.about-story-copy p,.about-speaking p{font-size:18px}.about-monogram{min-height:330px}.about-monogram strong{font-size:82px}.credential-grid{grid-template-columns:1fr;padding:0 24px 75px}.credential-grid article{min-height:0}.speaker-quote{padding:32px}.speaker-quote blockquote{font-size:27px}}@keyframes premiumFadeUp{0%{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}@keyframes premiumGlow{0%,to{box-shadow:0 0 #cba85a00}50%{box-shadow:0 0 42px #cba85a29}}.hero>*,.about-hero>*,.page-hero>*{animation:.8s both premiumFadeUp}.hero>:nth-child(2),.about-hero>:nth-child(2),.page-hero>:nth-child(2){animation-delay:.14s}.solution-card,.credential-grid article,.page-card,.faq-list details{transition:transform .25s,box-shadow .25s,border-color .25s}.solution-card:hover,.credential-grid article:hover,.page-card:hover{border-color:var(--gold);transform:translateY(-6px);box-shadow:0 22px 55px #0c1a2d1f}.button:hover{filter:brightness(1.06);transform:translateY(-2px)}.button{transition:transform .2s,filter .2s}.page-header{z-index:30;background:#fff;border-bottom:1px solid #ece9e2;justify-content:space-between;align-items:center;height:96px;padding:0 6vw;display:flex;position:sticky;top:0}.page-header nav{gap:30px;display:flex}.page-header nav a{color:var(--ink);font-size:15px;text-decoration:none}.page-hero{background:var(--navy);color:#fff;grid-template-columns:1.15fr .85fr;align-items:center;gap:70px;min-height:520px;padding:105px 8vw;display:grid}.page-hero h1{margin:0;font:400 clamp(54px,6vw,88px)/1.03 Georgia,serif}.page-hero h1 em{color:var(--gold);font-weight:400;display:block}.page-hero p:not(.eyebrow){color:#c2cad6;max-width:760px;font-size:21px;line-height:1.65}.page-hero-aside{background:linear-gradient(145deg,#203b5e,#12243d);border:1px solid #51627a;padding:44px;animation:4s ease-in-out infinite premiumGlow}.page-hero-aside strong{font:31px Georgia,serif;display:block}.page-hero-aside span{color:var(--gold);letter-spacing:.14em;margin-top:18px;font-size:13px;display:block}.page-shell{padding:100px 8vw}.page-intro{max-width:850px;margin-bottom:55px}.page-intro h2{margin:0 0 20px;font:400 clamp(42px,5vw,66px)/1.08 Georgia,serif}.page-intro p{color:var(--muted);font-size:20px;line-height:1.7}.page-grid{grid-template-columns:repeat(2,1fr);gap:20px;display:grid}.page-card{border:1px solid var(--line);color:var(--ink);background:#fff;padding:38px;text-decoration:none}.page-card b{color:var(--gold);font:22px Georgia,serif}.page-card h3{margin:24px 0 14px;font:29px Georgia,serif}.page-card p{color:var(--muted);font-size:17px;line-height:1.6}.page-card span{margin-top:24px;font-size:15px;font-weight:800;display:block}.detail-layout{grid-template-columns:1.2fr .8fr;gap:80px;display:grid}.detail-copy h2{font:400 clamp(42px,5vw,66px)/1.08 Georgia,serif}.detail-copy>p{color:var(--muted);font-size:20px;line-height:1.75}.included-list{gap:12px;margin:35px 0;display:grid}.included-list li{border:1px solid var(--line);padding:20px;font-size:17px;list-style:none}.included-list li:before{content:"✓";color:var(--gold);margin-right:12px;font-weight:800}.process-panel{background:var(--cream);padding:38px}.process-panel h3{margin-top:0;font:29px Georgia,serif}.process-panel ol{padding-left:22px}.process-panel li{border-bottom:1px solid #d9d3c6;padding:12px 0;font-size:16px;line-height:1.6}.process-panel a{color:var(--navy);border-bottom:2px solid var(--gold);margin-top:22px;font-weight:800;text-decoration:none;display:inline-block}.faq-list{gap:14px;max-width:1000px;display:grid}.faq-list details{border:1px solid var(--line);background:#fff}.faq-list details[open]{border-color:var(--gold);box-shadow:0 14px 40px #0c1a2d14}.faq-list summary{cursor:pointer;justify-content:space-between;padding:26px 30px;font:23px Georgia,serif;list-style:none;display:flex}.faq-list summary:after{content:"+";color:var(--gold);font:26px Arial}.faq-list details[open] summary:after{content:"–"}.faq-answer{color:var(--muted);padding:0 30px 28px;font-size:18px;line-height:1.7}.contact-layout{grid-template-columns:.8fr 1.2fr;gap:70px;display:grid}.contact-info{background:var(--navy);color:#fff;padding:42px}.contact-info h2{font:36px Georgia,serif}.contact-info p{color:#c2cad6;font-size:18px;line-height:1.65}.contact-form{border:1px solid var(--line);padding:42px}.contact-form label{flex-direction:column;margin-bottom:18px;font-size:14px;font-weight:800;display:flex}.contact-form input,.contact-form select,.contact-form textarea{border:1px solid #d7dbe0;margin-top:8px;padding:15px;font:16px Arial}.contact-form textarea{resize:vertical;height:130px}.contact-form small{color:var(--muted);margin-top:14px;font-size:12px;display:block}.form-success{background:var(--cream);text-align:center;padding:45px}.form-success h3{font:32px Georgia,serif}.site-map-footer{color:#fff;background:#081321;grid-template-columns:1.3fr repeat(3,1fr);gap:35px;padding:65px 7vw 30px;display:grid}.site-map-footer>div{flex-direction:column;gap:11px;display:flex}.site-map-footer strong{color:var(--gold);letter-spacing:.13em;font-size:12px}.site-map-footer a{color:#b8c1ce;font-size:15px;text-decoration:none}.site-map-footer .legal{grid-column:1/-1}@media (width<=950px){.page-header nav{display:none}.page-hero,.detail-layout,.contact-layout,.page-grid{grid-template-columns:1fr}.site-map-footer{grid-template-columns:1fr 1fr}}@media (width<=600px){.page-header{height:78px;padding:0 18px}.page-header .button{display:none}.page-hero,.page-shell{padding:75px 24px}.page-hero h1{font-size:50px}.page-hero p:not(.eyebrow){font-size:18px}.page-hero-aside,.page-card,.process-panel,.contact-info,.contact-form{padding:28px}.site-map-footer{grid-template-columns:1fr;padding:55px 24px}.faq-list summary{padding:22px;font-size:20px}.faq-answer{padding:0 22px 24px;font-size:16px}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}.global-switcher{color:#fff;z-index:40;background:#081321;justify-content:center;align-items:center;gap:8px;min-height:42px;padding:6px 5vw;font-size:13px;display:flex;position:relative}.global-switcher .speak-link{color:var(--gold);border-color:#cba85a80;margin-left:16px}.direct-service{color:var(--ink);flex-direction:column;min-height:310px;padding:42px;text-decoration:none;display:flex!important}.direct-service>b{color:var(--gold);font:22px Georgia,serif}.direct-service h3{margin:34px 0 16px;font:30px Georgia,serif}.direct-service p{color:var(--muted);font-size:18px;line-height:1.6}.direct-service>strong{color:var(--ink);margin-top:auto;font-size:15px}.virtual-trust{background:var(--navy);color:#fff;grid-template-columns:.8fr 1.2fr;gap:75px;padding:105px 8vw;display:grid}.virtual-intro h2{margin:0;font:400 clamp(44px,5vw,68px)/1.08 Georgia,serif}.virtual-intro>p:not(.eyebrow){color:#c2cad6;margin:24px 0 32px;font-size:20px;line-height:1.65}.trust-benefits{gap:14px;display:grid}.trust-benefits article{background:#ffffff06;border:1px solid #3c4c62;padding:30px}.trust-benefits b{color:var(--gold);font:20px Georgia,serif}.trust-benefits h3{margin:12px 0;font:27px Georgia,serif}.trust-benefits p{color:#c2cad6;margin:0;font-size:17px;line-height:1.6}@media (width<=950px){.virtual-trust{grid-template-columns:1fr}.global-switcher{white-space:nowrap;justify-content:flex-start;overflow-x:auto}.global-switcher .speak-link{margin-left:0}}@media (width<=600px){.virtual-trust{padding:75px 24px}.direct-service{min-height:260px;padding:30px 24px}.global-switcher{font-size:11px}}.global-switcher{color:#fff;z-index:40;background:#081321;justify-content:center;align-items:stretch;gap:12px;min-height:84px;padding:12px 4vw;font-size:14px;display:flex;position:relative;box-shadow:0 6px 22px #040c172e}.global-switcher a,.global-switcher span{color:#eef2f7;border:1px solid #3d506a;padding:13px 26px;text-decoration:none}.global-switcher .service-switch{flex-direction:column;justify-content:center;gap:4px;min-width:220px;transition:transform .2s,background .2s,border-color .2s,box-shadow .2s;display:flex;position:relative}.global-switcher .service-switch b{font-size:16px;line-height:1.1}.global-switcher .service-switch small{text-transform:uppercase;letter-spacing:.09em;color:#aeb9c8;font-size:10px}.global-switcher a.service-switch:hover{border-color:var(--gold);background:#142944;transform:translateY(-2px);box-shadow:0 7px 18px #0000003d}.global-switcher .active{background:var(--gold);border-color:var(--gold);color:#101827;font-weight:800}.global-switcher .active small{color:#3d3523}.global-switcher .accounting-switch{background:#101f34;border-color:#7e93ad}.global-switcher .tax-switch{color:#102039;border:2px solid var(--gold);background:#fff;box-shadow:0 0 0 2px #cda85a21}.global-switcher .tax-switch small{color:#5b6675}.global-switcher .tax-switch:after{content:"NEW";background:var(--gold);color:#101827;letter-spacing:.08em;padding:2px 6px;font-size:8px;font-weight:900;position:absolute;top:6px;right:8px}.global-switcher .speak-link{color:var(--gold);border-color:#cba85a80;flex-direction:column;justify-content:center;gap:4px;margin-left:12px;display:flex}.global-switcher .speak-link b{font-size:14px}.global-switcher .speak-link small{color:#aeb8c5;text-transform:uppercase;letter-spacing:.08em;font-size:9px}@media (width<=950px){.global-switcher{white-space:nowrap;justify-content:flex-start;overflow-x:auto}.global-switcher .speak-link{margin-left:0}.global-switcher .service-switch{min-width:190px}}@media (width<=600px){.global-switcher{min-height:68px;padding:8px 12px;font-size:11px}.global-switcher a,.global-switcher span{padding:10px 15px}.global-switcher .service-switch{min-width:155px}.global-switcher .service-switch small,.global-switcher .speak-link small,.global-switcher .tax-switch:after{display:none}}.about-portrait{background:#14243b;border:1px solid #53627a;max-width:650px;min-height:540px;margin:0;position:relative;overflow:hidden;box-shadow:0 30px 70px #00000047}.about-portrait:after{content:"";pointer-events:none;background:linear-gradient(#0000 62%,#071220eb 100%);position:absolute;inset:0}.about-portrait img{object-fit:cover;object-position:center 22%;filter:saturate(.92)contrast(1.03);width:100%;height:100%;min-height:540px;display:block}.about-portrait figcaption{z-index:2;color:#fff;position:absolute;bottom:28px;left:34px;right:34px}.about-portrait figcaption strong{font:28px Georgia,serif;display:block}.about-portrait figcaption span{color:var(--gold);letter-spacing:.14em;text-transform:uppercase;margin-top:8px;font-size:11px;font-weight:800;display:block}@media (width<=600px){.about-portrait,.about-portrait img{min-height:430px}.about-portrait figcaption{bottom:22px;left:24px}}