:root {
  --ink: #17134f;
  --gold: #d5ad6f;
  --stone: #f3f4f4;
  --muted: #565c67;
  --line: #d9dce1;
  --footer: #eeeae3;
  --surface: #ffffff;
  --gutter: 40px;
  color-scheme: light;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--surface);
  color: var(--ink);
  font-family: "Helvetica Neue", Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
}

a:focus-visible,
summary:focus-visible {
  outline: 3px solid var(--ink);
  outline-offset: 4px;
}

.container {
  width: min(calc(100% - (var(--gutter) * 2)), 1180px);
  margin-inline: auto;
}

.skip-link {
  position: fixed;
  top: -80px;
  left: 24px;
  z-index: 20;
  padding: 12px 18px;
  background: var(--surface);
  color: var(--ink);
  font-weight: 700;
}

.skip-link:focus {
  top: 16px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  height: 96px;
  border-bottom: 1px solid var(--line);
  background: rgb(255 255 255 / 96%);
  backdrop-filter: blur(10px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 32px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  min-height: 56px;
  text-decoration: none;
}

.brand > img {
  width: 70px;
  height: 70px;
  object-fit: contain;
}

.brand-copy {
  display: grid;
  gap: 6px;
}

.brand-copy strong {
  font-size: 22px;
  line-height: 1;
}

.brand-copy span {
  width: fit-content;
  padding: 8px 12px;
  background: #efe4cc;
  color: #5f451f;
  font-size: 12px;
  font-weight: 700;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 36px;
  white-space: nowrap;
}

.desktop-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  font-size: 15px;
  font-weight: 700;
  text-decoration: none;
}

.desktop-nav a:hover {
  color: #75501f;
}

.services-menu {
  position: relative;
}

.services-trigger {
  gap: 6px;
}

.services-panel {
  position: absolute;
  top: calc(100% + 2px);
  right: 0;
  display: grid;
  visibility: hidden;
  width: 330px;
  padding: 12px;
  background: var(--surface);
  box-shadow: 0 18px 48px rgb(23 19 79 / 12%);
  opacity: 0;
  transform: translateY(8px);
  transition: opacity 160ms ease, transform 160ms ease, visibility 160ms;
}

.services-panel a {
  min-height: 42px;
  padding: 7px 10px;
  border-bottom: 1px solid var(--line);
  white-space: normal;
}

.services-panel a:last-child {
  border-bottom: 0;
}

.services-menu:hover .services-panel,
.services-menu:focus-within .services-panel {
  visibility: visible;
  opacity: 1;
  transform: translateY(0);
}

.mobile-menu {
  display: none;
  position: relative;
}

.mobile-menu summary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 64px;
  min-height: 44px;
  border: 1px solid var(--line);
  cursor: pointer;
  font-weight: 700;
  list-style: none;
}

.mobile-menu summary::-webkit-details-marker {
  display: none;
}

.mobile-menu nav {
  position: absolute;
  top: calc(100% + 12px);
  right: 0;
  display: grid;
  width: min(280px, calc(100vw - 40px));
  max-height: calc(100vh - 116px);
  padding: 12px;
  background: var(--surface);
  box-shadow: 0 18px 48px rgb(23 19 79 / 12%);
  overflow-y: auto;
}

.mobile-menu nav a {
  display: flex;
  align-items: center;
  min-height: 48px;
  padding: 0 12px;
  border-bottom: 1px solid var(--line);
  font-weight: 700;
  text-decoration: none;
}

.mobile-menu nav a:last-child {
  border-bottom: 0;
}

.mobile-services summary {
  justify-content: flex-start;
  min-height: 48px;
  padding: 0 12px;
  border: 0;
  border-bottom: 1px solid var(--line);
}

.mobile-services summary::after {
  margin-left: auto;
  content: "+";
}

.mobile-services[open] summary::after {
  content: "−";
}

.mobile-services div {
  display: grid;
  padding: 4px 0 8px 14px;
  background: var(--stone);
}

.mobile-services div a {
  min-height: 44px;
  font-size: 13px;
}

.page-intro {
  padding: 88px var(--gutter) 64px;
  background: var(--stone);
}

.page-intro .container {
  width: min(100%, 1180px);
}

.section-label,
.article-topic {
  margin: 0 0 16px;
  color: #75501f;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.page-intro h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(42px, 6vw, 68px);
  line-height: 1.02;
  letter-spacing: -0.045em;
  overflow-wrap: anywhere;
}

.page-intro .intro-inner > p:last-child {
  max-width: 62ch;
  margin: 28px 0 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.7;
}

.articles-section {
  padding: 80px 0 96px;
}

.article-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 40px 32px;
  align-items: stretch;
}

.article-grid article {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.article-card .article-copy {
  display: flex;
  flex: 1;
  flex-direction: column;
  padding: 24px 2px 0;
}

.article-image {
  display: block;
  overflow: hidden;
  border-radius: 12px;
  background: var(--stone);
}

.article-image:focus-visible {
  outline-offset: -4px;
}

.article-image img {
  width: 100%;
  aspect-ratio: 3 / 2;
  object-fit: cover;
  transition: transform 320ms cubic-bezier(0.16, 1, 0.3, 1);
}

.article-image:hover img {
  transform: scale(1.025);
}

.article-copy h2 {
  margin: 0;
  font-size: clamp(23px, 2vw, 29px);
  line-height: 1.3;
  letter-spacing: -0.03em;
  overflow-wrap: anywhere;
}

.article-copy h2 a {
  text-decoration: none;
}

.article-copy h2 a:hover {
  color: #75501f;
}

.article-copy > p:not(.article-topic) {
  margin: 18px 0 20px;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.7;
}

.article-topic {
  margin-bottom: 12px;
  font-size: 11px;
}

.text-link,
.footer-action {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  min-height: 44px;
  color: #6a4718;
  font-size: 14px;
  font-weight: 700;
  text-underline-offset: 5px;
}

.article-card .text-link {
  align-self: flex-start;
  margin-top: auto;
}

.text-link:hover {
  color: var(--ink);
}

.article-hero {
  padding: 62px var(--gutter) 0;
  background: var(--stone);
}

.article-hero > .container {
  width: min(100%, 1180px);
}

.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-bottom: 30px;
  color: var(--muted);
  font-size: 14px;
}

.breadcrumb a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: #6a4718;
  font-weight: 700;
  text-underline-offset: 4px;
}

.article-hero h1 {
  max-width: 1140px;
  margin: 0;
  font-size: clamp(44px, 6vw, 76px);
  line-height: 1.06;
  letter-spacing: -0.035em;
  overflow-wrap: anywhere;
}

.article-deck {
  max-width: 68ch;
  margin: 28px 0 0;
  color: var(--muted);
  font-size: 20px;
  line-height: 1.65;
}

.article-hero-image {
  width: 100%;
  margin: 50px auto 0;
  overflow: hidden;
  border-radius: 14px 14px 0 0;
  background: #e8e8e6;
}

.article-hero-image img {
  width: 100%;
  aspect-ratio: 2 / 1;
  object-fit: cover;
}

.article-detail-section {
  padding: 82px 0 100px;
}

.article-detail-layout {
  display: grid;
  grid-template-columns: minmax(0, 760px) minmax(220px, 1fr);
  gap: 86px;
  align-items: start;
}

.article-body {
  min-width: 0;
}

.article-body p,
.article-body li {
  color: #414651;
  font-size: 18px;
  line-height: 1.72;
}

.article-body p {
  margin: 0 0 22px;
}

.article-body .article-lead {
  color: var(--ink);
  font-size: 23px;
  line-height: 1.6;
}

.article-body section {
  scroll-margin-top: 126px;
}

.article-body h2 {
  margin: 64px 0 20px;
  color: var(--ink);
  font-size: clamp(30px, 3.4vw, 42px);
  line-height: 1.2;
  letter-spacing: -0.035em;
}

.article-body h3 {
  margin: 0 0 14px;
  color: var(--ink);
  font-size: 23px;
  line-height: 1.4;
  letter-spacing: -0.02em;
}

.article-body ul,
.article-body ol {
  margin: 0 0 28px;
  padding-left: 26px;
}

.article-body li {
  padding-left: 7px;
}

.article-body li + li {
  margin-top: 7px;
}

.quotation-checklist {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px 28px;
  padding: 28px 28px 28px 52px !important;
  border-radius: 12px;
  background: var(--stone);
}

.faq-section {
  margin-top: 72px;
}

.faq-section > h2 {
  margin-top: 0;
}

.faq-item {
  padding: 28px 0 8px;
  border-top: 1px solid var(--line);
}

.author-note {
  margin-top: 58px;
  padding: 32px;
  border-top: 1px solid var(--gold);
  background: var(--stone);
}

.author-note h2 {
  margin-top: 0;
  font-size: 28px;
}

.author-note p:last-child {
  margin-bottom: 0;
}

.article-end-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  margin-top: 64px;
  padding: 34px;
  border-radius: 12px;
  background: var(--ink);
  color: var(--surface);
}

.article-end-cta h2 {
  margin: 0 0 10px;
  color: var(--surface);
  font-size: 28px;
}

.article-end-cta p {
  max-width: 42ch;
  margin: 0;
  color: var(--surface);
  font-size: 16px;
}

.article-toc {
  position: sticky;
  top: 128px;
  padding-top: 22px;
  border-top: 1px solid var(--gold);
}

.article-toc h2 {
  margin: 0 0 14px;
  font-size: 19px;
  line-height: 1.4;
}

.article-toc nav {
  display: grid;
}

.article-toc a {
  display: flex;
  align-items: center;
  min-height: 42px;
  padding: 6px 0;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
  font-size: 14px;
  line-height: 1.45;
  text-decoration: none;
}

.article-toc a:hover {
  color: #6a4718;
}

.site-footer {
  padding: 58px 0 24px;
  background: var(--footer);
  color: #35332f;
}

.footer-callout {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 32px;
  padding-bottom: 44px;
  border-bottom: 1px solid #cec7bb;
}

.footer-callout .section-label {
  margin-bottom: 10px;
}

.footer-callout h2 {
  max-width: 560px;
  margin: 0;
  color: var(--ink);
  font-size: clamp(34px, 4vw, 52px);
  line-height: 1.3;
  letter-spacing: -0.04em;
}

.footer-action {
  flex: 0 0 auto;
  min-height: 50px;
  padding: 12px 20px;
  background: var(--gold);
  color: var(--ink);
  text-decoration: none;
}

.footer-action:hover {
  background: #e4c694;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 64px;
  padding: 44px 0 36px;
}

.footer-brand {
  max-width: 340px;
}

.bca-mark {
  width: 92px;
  height: 92px;
  margin-bottom: 20px;
  object-fit: contain;
}

.footer-name {
  display: inline-flex;
  min-height: 44px;
  align-items: center;
  color: var(--ink);
  font-size: 19px;
  font-weight: 800;
  text-decoration: none;
}

.footer-brand p {
  max-width: 32ch;
  margin: 8px 0 0;
  color: #625d54;
  line-height: 1.6;
}

.footer-services,
.footer-contact {
  display: grid;
  align-content: start;
}

.footer-grid h3 {
  margin: 0 0 16px;
  color: var(--ink);
  font-size: 15px;
}

.footer-grid a {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  min-height: 38px;
  color: #4e4a43;
  font-size: 14px;
  text-decoration-color: #a49b8d;
  text-underline-offset: 4px;
}

.footer-grid a:hover {
  color: var(--ink);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-top: 18px;
  border-top: 1px solid #cec7bb;
  color: #625d54;
  font-size: 12px;
}

.footer-bottom nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
}

.footer-bottom nav a {
  display: inline-flex;
  align-items: center;
  min-height: 32px;
}

.footer-bottom p {
  margin: 0;
}

.footer-meta {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 18px;
}

.footer-meta p span {
  margin-left: 8px;
}

.footer-meta a,
.group-links summary {
  text-underline-offset: 3px;
}

.group-links {
  position: relative;
}

.group-links summary {
  display: inline-flex;
  align-items: center;
  min-height: 32px;
  cursor: pointer;
  font-weight: 700;
}

.group-links > div {
  position: absolute;
  right: 0;
  bottom: calc(100% + 10px);
  z-index: 2;
  display: grid;
  width: 290px;
  padding: 12px;
  background: var(--surface);
  box-shadow: 0 18px 48px rgb(23 19 79 / 12%);
}

.group-links > div a {
  display: flex;
  align-items: center;
  min-height: 40px;
  padding: 5px 8px;
  border-bottom: 1px solid var(--line);
}

.group-links > div a:last-child {
  border-bottom: 0;
}

.home-footer {
  padding: 56px var(--gutter) 120px;
  background: var(--ink);
  color: var(--surface);
}

.footer-invitation,
.footer-directory,
.home-footer-bottom {
  width: min(100%, 1180px);
  margin-inline: auto;
}

.footer-invitation {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgb(255 255 255 / 24%);
}

.footer-invitation h2 {
  margin: 0;
  font-size: clamp(40px, 4vw, 48px);
  line-height: 1.1;
  letter-spacing: -0.035em;
}

.footer-invitation h2 span {
  color: var(--gold);
}

.footer-assessment {
  display: inline-flex;
  flex: 0 0 auto;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  min-height: 56px;
  padding: 17px 22px;
  background: var(--gold);
  color: var(--ink);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}

.footer-assessment:hover {
  background: #e4c694;
}

.footer-directory {
  display: grid;
  grid-template-columns: 1.45fr 0.85fr 1fr;
  gap: 44px;
  padding: 40px 0;
}

.footer-identity {
  display: flex;
  align-items: flex-start;
  gap: 22px;
}

.home-footer-bca {
  flex: 0 0 auto;
  width: 126px;
  height: 126px;
  object-fit: contain;
}

.home-footer-brand {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  color: var(--surface);
  font-size: 20px;
  font-weight: 800;
  line-height: 1.35;
  text-decoration: none;
}

.footer-identity p {
  margin: 12px 0 0;
  color: #f6f6f8;
  font-size: 14px;
  line-height: 1.55;
}

.footer-service-links,
.footer-reach {
  display: grid;
  align-content: start;
  justify-items: start;
}

.footer-service-links h3,
.footer-reach h3 {
  margin: 0 0 18px;
  color: var(--gold);
  font-size: 14px;
}

.footer-service-links > a,
.footer-reach > a {
  display: inline-flex;
  align-items: center;
  min-height: 40px;
  color: var(--surface);
  font-size: 14px;
  text-decoration: none;
}

.footer-service-links > a:hover,
.footer-reach > a:hover,
.home-footer-navigation a:hover {
  color: var(--gold);
}

.footer-reach .footer-phone {
  min-height: 46px;
  font-size: 24px;
  font-weight: 800;
}

.home-footer-navigation {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  margin-top: 20px;
}

.home-footer-navigation a {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  color: var(--surface);
  font-size: 13px;
  text-decoration: none;
}

.home-footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-top: 24px;
  border-top: 1px solid rgb(255 255 255 / 24%);
  color: #f6f6f8;
  font-size: 12px;
  line-height: 1.5;
}

.home-footer-bottom p {
  margin: 0;
}

.site-design-credit {
  margin-left: 20px;
}

.home-footer-bottom a {
  color: var(--surface);
  font-weight: 700;
  text-underline-offset: 3px;
}

.home-group {
  position: relative;
}

.home-group summary {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-width: 126px;
  min-height: 46px;
  padding: 10px 14px;
  border: 1px solid rgb(255 255 255 / 30%);
  border-radius: 8px;
  cursor: pointer;
  color: var(--surface);
  font-weight: 700;
  list-style: none;
}

.home-group summary::-webkit-details-marker {
  display: none;
}

.home-group[open] summary svg {
  transform: rotate(180deg);
}

.home-group-links {
  position: absolute;
  right: 0;
  bottom: calc(100% + 10px);
  z-index: 2;
  display: grid;
  width: 290px;
  padding: 12px;
  background: var(--surface);
  box-shadow: 0 18px 48px rgb(0 0 0 / 24%);
}

.home-group-links a {
  display: flex;
  align-items: center;
  min-height: 40px;
  padding: 5px 8px;
  border-bottom: 1px solid var(--line);
  color: var(--ink);
  font-weight: 600;
}

.home-group-links a:last-child {
  border-bottom: 0;
}

@media (max-width: 1020px) {
  :root {
    --gutter: 28px;
  }

  .desktop-nav {
    display: none;
  }

  .mobile-menu {
    display: block;
  }

  .article-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .article-detail-layout {
    grid-template-columns: minmax(0, 1fr) 220px;
    gap: 46px;
  }

  .article-hero-image {
    margin-top: 42px;
  }

  .footer-directory {
    grid-template-columns: 1.25fr 0.75fr 1fr;
    gap: 30px;
  }

  .home-footer-bca {
    width: 104px;
    height: 104px;
  }

  .footer-identity {
    gap: 16px;
  }
}

@media (max-width: 767px) {
  :root {
    --gutter: 20px;
  }

  .site-header {
    height: 76px;
  }

  .brand {
    gap: 10px;
  }

  .brand > img {
    width: 52px;
    height: 52px;
  }

  .brand-copy strong {
    font-size: 17px;
  }

  .brand-copy span {
    display: none;
  }

  .page-intro {
    padding: 58px var(--gutter) 44px;
  }

  .page-intro h1 {
    font-size: clamp(38px, 13vw, 52px);
  }

  .page-intro .intro-inner > p:last-child {
    margin-top: 20px;
    font-size: 16px;
  }

  .articles-section {
    padding: 52px 0 68px;
  }

  .article-hero {
    padding: 36px var(--gutter) 0;
  }

  .breadcrumb {
    margin-bottom: 20px;
  }

  .article-hero h1 {
    font-size: clamp(38px, 12vw, 54px);
  }

  .article-deck {
    margin-top: 20px;
    font-size: 17px;
  }

  .article-hero-image {
    margin-top: 30px;
  }

  .article-hero-image img {
    aspect-ratio: 4 / 3;
  }

  .article-detail-section {
    padding: 54px 0 70px;
  }

  .article-detail-layout {
    grid-template-columns: 1fr;
    gap: 54px;
  }

  .article-body p,
  .article-body li {
    font-size: 17px;
  }

  .article-body .article-lead {
    font-size: 20px;
  }

  .article-body h2 {
    margin-top: 52px;
  }

  .quotation-checklist {
    grid-template-columns: 1fr;
    padding: 24px 24px 24px 46px !important;
  }

  .author-note {
    padding: 26px;
  }

  .article-end-cta {
    align-items: flex-start;
    flex-direction: column;
    padding: 28px;
  }

  .article-toc {
    position: static;
  }

  .article-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .article-grid {
    gap: 44px;
  }

  .article-copy h2 {
    font-size: 26px;
  }

  .site-footer {
    padding-top: 44px;
  }

  .home-footer {
    padding: 44px var(--gutter) 76px;
  }

  .footer-invitation {
    display: grid;
    justify-items: start;
    padding-bottom: 34px;
  }

  .footer-invitation h2 {
    font-size: 38px;
  }

  .footer-directory {
    grid-template-columns: 1fr;
    gap: 36px;
    padding: 36px 0;
  }

  .footer-identity {
    align-items: center;
  }

  .home-footer-bca {
    width: 112px;
    height: 112px;
  }

  .footer-reach .footer-phone {
    font-size: 22px;
  }

  .home-footer-navigation {
    gap: 6px 18px;
  }

  .home-footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }

  .site-design-credit {
    display: block;
    margin: 7px 0 0;
  }

  .home-group-links {
    right: auto;
    left: 0;
    width: min(290px, calc(100vw - 40px));
  }

  .footer-callout {
    display: grid;
    align-items: start;
  }

  .footer-action {
    justify-self: start;
  }

  .footer-grid {
    gap: 34px;
    padding: 38px 0 30px;
  }

  .footer-bottom {
    align-items: start;
    flex-direction: column;
  }

  .footer-meta {
    width: 100%;
    align-items: flex-start;
    flex-direction: column;
    gap: 10px;
  }

  .footer-meta p span {
    display: block;
    margin: 6px 0 0;
  }

  .group-links > div {
    right: auto;
    left: 0;
    width: min(290px, calc(100vw - 40px));
  }
}

@media (max-width: 370px) {
  .brand-copy strong {
    max-width: 132px;
    overflow-wrap: anywhere;
  }

  .mobile-menu summary {
    min-width: 58px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .article-image img {
    transition: none;
  }

  .services-panel {
    transition: none;
  }

  .article-image:hover img {
    transform: none;
  }
}