:root{
  --navy:#0a2342;--navy2:#102f56;--navy3:#173b67;--gold:#c99a43;--gold2:#e0b45e;
  --cream:#f7f3eb;--paper:#fff;--ink:#152238;--muted:#667085;--line:#e6e2da;--soft:#f5f6f8;
  --green:#198754;--max:1220px;--serif:Georgia,"Times New Roman",serif;--shadow:0 16px 42px rgba(10,35,66,.09)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:inherit}img{max-width:100%;height:auto}.wrap{max-width:var(--max);margin:auto;padding:0 28px}
.skip-link{position:fixed;left:16px;top:-100px;background:#fff;color:var(--navy);z-index:999;padding:10px 14px;border-radius:4px;box-shadow:var(--shadow);font-weight:800}.skip-link:focus{top:16px}
:focus-visible{outline:3px solid var(--gold2);outline-offset:3px}
.topbar{background:var(--navy);color:#f6f8fb;font-size:12px}.topbar-inner{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:20px}.topbar-contact{display:flex;align-items:center;gap:10px}.topbar a{text-decoration:none}.topbar a:hover{text-decoration:underline}.topbar-area{color:#ecd7ad;font-weight:700}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.985);backdrop-filter:blur(12px);border-bottom:1px solid #ece8df;box-shadow:0 8px 24px rgba(10,35,66,.06)}
.nav{min-height:94px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.brand{display:flex;align-items:center;flex:0 0 304px;width:304px;height:72px;text-decoration:none;overflow:hidden}
.brand img{display:block;width:100%;max-height:72px;object-fit:contain;object-position:left center}
.brand-fallback{color:var(--navy);font-size:16px;font-weight:850;line-height:1.05}.brand-fallback strong{display:block;font-size:22px}.brand-fallback small{display:block;margin-top:6px;font-size:9px;text-transform:uppercase;letter-spacing:.1em;color:#796746}
.primary-nav{display:flex;align-items:center;gap:18px}.primary-nav a{text-decoration:none;font-size:13px;font-weight:800;color:#1f3150;padding:34px 0 31px;border-bottom:3px solid transparent}
.primary-nav a:hover,.primary-nav a[aria-current="page"]{color:var(--gold);border-bottom-color:var(--gold)}
.request-button{background:linear-gradient(135deg,var(--gold),var(--gold2));color:#fff;text-decoration:none;padding:13px 17px;border-radius:4px;font-size:12px;font-weight:900;letter-spacing:.03em;white-space:nowrap;box-shadow:0 8px 20px rgba(201,154,67,.22);text-transform:uppercase}
.request-button:hover{filter:brightness(1.04);transform:translateY(-1px)}
.hero{position:relative;min-height:660px;display:flex;align-items:center;padding:92px 0;background:linear-gradient(90deg,rgba(7,29,55,.97) 0%,rgba(7,29,55,.9) 38%,rgba(7,29,55,.54) 65%,rgba(7,29,55,.24) 100%),url("https://commons.wikimedia.org/wiki/Special:FilePath/New_housing_development%2C_Clay%2C_NY.jpg") center/cover no-repeat;color:#fff;border-bottom:4px solid var(--gold)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,710px) 1fr;gap:52px;align-items:center}.hero-copy{max-width:710px}
.eyebrow{font-size:12px;letter-spacing:.16em;font-weight:900;color:var(--gold);text-transform:uppercase;margin:0 0 14px}
.hero .eyebrow,.page-hero .eyebrow,.dark .eyebrow{color:var(--gold2)}
.hero h1,.page-hero h1{font-family:var(--serif);font-size:64px;line-height:1.02;letter-spacing:-.035em;margin:0}
.hero .lead,.page-hero .lead{font-size:20px;max-width:760px;margin:24px 0 0}.hero .lead{color:#eef4fb}
.actions{display:flex;gap:13px;flex-wrap:wrap;margin:31px 0}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;background:linear-gradient(135deg,var(--gold),var(--gold2));color:#fff;border:1px solid var(--gold);padding:14px 22px;border-radius:4px;font-weight:900;box-shadow:0 9px 24px rgba(201,154,67,.19);text-transform:uppercase;font-size:12px;letter-spacing:.04em;transition:.18s ease}
.btn:hover{transform:translateY(-1px);filter:brightness(1.03)}.btn.ghost{background:rgba(7,29,55,.2);color:#fff;border-color:rgba(255,255,255,.62);box-shadow:none}.btn.dark-btn{background:var(--navy);border-color:var(--navy)}
.trust{display:grid;grid-template-columns:1fr 1fr;gap:10px 25px;max-width:650px;font-size:13px;font-weight:750}.hero .trust{color:#f6f8fb}.trust span:before{content:"✓";color:var(--gold2);margin-right:8px;font-weight:900}
.hero-panel{justify-self:end;background:rgba(8,31,59,.93);border:1px solid rgba(255,255,255,.16);box-shadow:0 18px 45px rgba(0,0,0,.24);padding:28px;border-radius:7px;max-width:315px}.hero-panel strong{font-family:var(--serif);font-size:28px;line-height:1.18}.hero-panel p{margin:11px 0 0;color:#e9eef5;font-size:14px}
.proof{background:#fff;border-bottom:1px solid var(--line)}.proof .wrap{display:grid;grid-template-columns:repeat(4,1fr)}.proof-item{padding:26px 24px;border-right:1px solid var(--line)}.proof-item:last-child{border-right:0}.proof-item strong{display:block;color:var(--navy);font-size:14px}.proof-item span{display:block;color:var(--muted);font-size:12px;margin-top:3px}.proof-icon{font-family:var(--serif);font-size:29px;color:var(--gold);line-height:1;margin-bottom:9px}
.section{padding:88px 0}.section.compact{padding:64px 0}.section.alt{background:linear-gradient(180deg,#fbfaf7,#f3efe7)}.section.soft{background:var(--soft)}
.section h2,.dark h2,.cta h2,.faq-block h2{font-family:var(--serif);font-size:44px;line-height:1.12;color:var(--navy);margin:0 0 22px}.section h3{color:var(--navy)}
.section-intro{max-width:800px;color:var(--muted);font-size:18px;margin:-5px 0 36px}.grid{display:grid}
.premium-services{grid-template-columns:repeat(3,1fr);gap:20px}.service-card{overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 10px 28px rgba(10,35,66,.05);transition:.2s ease}.service-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#ddc898}
.service-card .service-image{height:176px;background-size:cover;background-position:center}.service-card .service-body{padding:24px}.service-card h3{margin:0 0 8px;font-size:22px;line-height:1.2}.service-card p{color:var(--muted);margin:0 0 16px;font-size:14px}.service-card a{color:var(--gold);font-weight:900;text-decoration:none;text-transform:uppercase;font-size:12px;letter-spacing:.05em}
.cards{grid-template-columns:repeat(3,1fr);gap:20px}.cards article,.service-tile,.area-tile,.resource-card,.process-card,.related-card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:27px;box-shadow:0 8px 24px rgba(10,35,66,.04);transition:.2s ease}
.cards article:hover,.service-tile:hover,.area-tile:hover,.resource-card:hover,.related-card:hover{transform:translateY(-3px);border-color:#ddc898;box-shadow:0 18px 34px rgba(10,35,66,.08)}
.cards h3{margin:0 0 8px;font-size:22px;line-height:1.25}.cards h3 a{text-decoration:none}.cards p,.service-tile p,.area-tile span,.resource-card p,.related-card span{color:var(--muted);margin:0}
.service-grid{grid-template-columns:repeat(2,1fr);gap:18px}.service-tile,.area-tile,.related-card{text-decoration:none}.service-tile h2{font-size:29px;margin:6px 0 10px}.link-grid{grid-template-columns:repeat(3,1fr);gap:16px}.area-tile{display:flex;flex-direction:column}.area-tile strong{font-size:19px;color:var(--navy)}
.process-grid{grid-template-columns:repeat(3,1fr);gap:20px}.process-card .step{display:inline-flex;width:40px;height:40px;border-radius:50%;align-items:center;justify-content:center;background:var(--navy);color:#fff;font-family:var(--serif);font-size:20px;margin-bottom:14px}.process-card h3{margin:0 0 8px}.process-card p{color:var(--muted);margin:0}
.dark{background:linear-gradient(135deg,var(--navy),var(--navy3));color:white;padding:80px 0}.dark h2{color:white}.dark p{color:#e0e8f1;font-size:18px}.split{display:grid;grid-template-columns:1fr 1fr;gap:68px;align-items:center}.stat{border-left:1px solid rgba(224,180,94,.55);padding-left:42px}.stat strong{font-family:var(--serif);font-size:35px;line-height:1.36;color:#fff}
.cta{padding:72px 0;background:linear-gradient(135deg,#f7f1e5,#eee4cf);border-top:1px solid #eadbbf}.contact{display:flex;flex-direction:column;gap:8px}.contact a{font-family:var(--serif);font-size:25px;font-weight:750;text-decoration:none;color:var(--navy)}
.page-hero{position:relative;padding:82px 0;background:linear-gradient(90deg,rgba(8,31,59,.97),rgba(8,31,59,.8)),url("https://commons.wikimedia.org/wiki/Special:FilePath/Wild_Creek_housing_development%2C_Clay%2C_NY.jpg") center/cover no-repeat;color:#fff;border-bottom:4px solid var(--gold)}.page-hero h1{font-size:54px;max-width:930px}.page-hero .lead{color:#eef4fb}.breadcrumbs{display:flex;gap:9px;align-items:center;flex-wrap:wrap;font-size:12px;color:#d7deea;margin-bottom:18px}.breadcrumbs a{color:#fff;text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.breadcrumbs>span[aria-hidden]{opacity:.55;margin:0 -3px}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:60px;align-items:start}.article{max-width:790px}.article>p,.article li{font-size:17px;color:#465266}.article h2{font-family:var(--serif);font-size:34px;line-height:1.16;color:var(--navy);margin:42px 0 14px}.article h2:first-child{margin-top:0}.article h3{margin-top:28px}.bullet-list{padding-left:22px}.bullet-list li{padding:4px 0}.check-list{list-style:none;padding:0}.check-list li{padding:6px 0 6px 28px;position:relative}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.sidebar{display:grid;gap:18px;position:sticky;top:142px}.card{background:#fff;padding:28px;border-radius:8px;border:1px solid var(--line);box-shadow:0 10px 30px rgba(10,35,66,.05)}.card h3{margin-top:0}.mini,.resource-kicker{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:900}.text-link{display:block;color:#9c701f;font-weight:850;text-decoration:none;margin:9px 0}.text-link:hover{text-decoration:underline}
.callout{background:linear-gradient(135deg,#fbf8f2,#f2eadb);border-left:4px solid var(--gold);padding:27px 29px;margin:40px 0;border-radius:0 8px 8px 0}.callout strong{font-family:var(--serif);font-size:24px;color:var(--navy)}.callout p{color:#556070}
.article-photo,.feature-photo{margin:32px 0 40px;overflow:hidden;border-radius:8px;border:1px solid var(--line);background:#f3f4f6;box-shadow:0 14px 34px rgba(10,35,66,.06)}.article-photo img,.feature-photo img{display:block;width:100%;height:370px;object-fit:cover;filter:saturate(1.04) contrast(1.02)}.article-photo figcaption,.feature-photo figcaption{padding:10px 13px;background:#fff;color:#717784;font-size:11px}
.comparison{width:100%;border-collapse:collapse;margin:28px 0 38px;font-size:15px}.comparison th,.comparison td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}.comparison th{background:var(--navy);color:#fff}.comparison tr:nth-child(even) td{background:#faf9f6}
.resource-grid{grid-template-columns:repeat(3,1fr);gap:18px}.resource-card h2{font-size:24px;margin:5px 0 10px}.resource-card a{display:inline-block;margin-top:12px;color:#94691f;font-weight:900;text-decoration:none}.resource-card a:hover{text-decoration:underline}
.related-grid{grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}.related-card{display:flex;flex-direction:column}.related-card strong{font-size:18px;color:var(--navy);margin:5px 0}.related-card .mini{color:var(--gold)}
.faq-block{margin-top:50px}.faq-list{border-top:1px solid var(--line)}.faq-item{border-bottom:1px solid var(--line);background:#fff}.faq-item summary{cursor:pointer;list-style:none;padding:19px 44px 19px 0;font-weight:850;color:var(--navy);position:relative}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:6px;top:16px;font-size:24px;color:var(--gold)}.faq-item[open] summary:after{content:"–"}.faq-item div{padding:0 38px 17px 0}.faq-item p{margin:0;color:#556070}
.visual-band{display:grid;grid-template-columns:repeat(3,1fr);height:235px;border-top:4px solid var(--gold);background:var(--navy)}.visual-band-item{background-size:cover;background-position:center;position:relative}.visual-band-item:after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(5,22,42,.55),rgba(5,22,42,.04))}.visual-band-item span{position:absolute;z-index:1;left:22px;bottom:17px;color:#fff;font-family:var(--serif);font-size:20px;text-shadow:0 2px 10px rgba(0,0,0,.4)}
footer{background:var(--navy);color:#d8e0eb}.footer-grid{display:grid;grid-template-columns:1.4fr .9fr .9fr 1fr;gap:38px;padding-top:48px;padding-bottom:36px;font-size:13px}.footer-grid>div>strong{color:#fff;font-size:15px}.footer-brand>strong{font-family:var(--serif);font-size:20px!important}.footer-grid p{margin:7px 0}.footer-grid a{color:#f5f7fa}.footer-links{display:flex;flex-direction:column;gap:5px}.footer-links a{text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;padding-bottom:22px;display:flex;justify-content:space-between;gap:20px;font-size:11px;color:#aeb9c8}
@media(max-width:1080px){.nav{flex-wrap:wrap;padding-top:10px;padding-bottom:10px}.brand{flex-basis:286px;width:286px;height:68px}.primary-nav{order:3;width:100%;justify-content:center;border-top:1px solid #eee7db}.primary-nav a{padding:13px 0 9px}.hero-grid{grid-template-columns:1fr}.hero-panel{justify-self:start}.premium-services,.cards,.resource-grid{grid-template-columns:repeat(2,1fr)}.proof .wrap{grid-template-columns:repeat(2,1fr)}.proof-item:nth-child(2){border-right:0}.proof-item:nth-child(-n+2){border-bottom:1px solid var(--line)}.split,.content-grid{grid-template-columns:1fr}.sidebar{position:static}.link-grid,.related-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.topbar-inner{justify-content:center}.topbar-area{display:none}.brand{flex:0 1 245px;width:245px;height:64px}.request-button{font-size:10px;padding:10px}.primary-nav{justify-content:center;gap:10px 16px;flex-wrap:wrap}.primary-nav a{padding:8px 0 5px}.hero{min-height:auto;padding:72px 0}.hero h1,.page-hero h1{font-size:44px}.hero .lead,.page-hero .lead{font-size:18px}.hero .trust{grid-template-columns:1fr}.hero-panel{max-width:100%}.section{padding:64px 0}.section h2,.dark h2,.cta h2,.faq-block h2{font-size:36px}.premium-services,.cards,.service-grid,.link-grid,.resource-grid,.related-grid,.process-grid{grid-template-columns:1fr}.visual-band{height:190px}.visual-band-item span{display:none}.footer-grid{grid-template-columns:1fr 1fr}.proof .wrap{grid-template-columns:1fr}.proof-item{border-right:0;border-bottom:1px solid var(--line)}.proof-item:last-child{border-bottom:0}.article-photo img{height:280px}.footer-bottom{flex-direction:column}}
@media(max-width:520px){.wrap{padding:0 20px}.nav{gap:9px;justify-content:center}.request-button{display:none}.brand{flex:0 1 245px;width:245px}.topbar-contact{gap:7px;font-size:11px}.hero{padding:62px 0}.hero h1,.page-hero h1{font-size:38px}.actions{flex-direction:column}.btn{text-align:center;width:100%}.visual-band{height:125px}.footer-grid{grid-template-columns:1fr}.comparison{font-size:13px}.comparison th,.comparison td{padding:10px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

.credit-list{display:grid;gap:16px;margin:26px 0 38px}.credit-card{border:1px solid var(--line);border-radius:8px;padding:22px 24px;background:#fff;box-shadow:0 8px 24px rgba(10,35,66,.04)}.credit-card h3{margin:0 0 8px}.credit-card p{margin:5px 0;color:#556070}.credit-card a{color:#8b611c;font-weight:800}
.footer-bottom a{color:#dfe6ef}