:root{
  --ink:#2b2622;
  --muted:#6b625a;
  --cream:#f4f0e8;
  --paper:#ffffff;
  --gold:#9a7b4f;
  --gold-dark:#7d6340;
  --line:#d9d0c2;
  --radius:22px;
  --max:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Rubik",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--gold-dark)}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2rem,4.5vw,3.2rem)}
h2{font-size:clamp(1.6rem,3vw,2.2rem)}
h3{font-size:1.25rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}

/* Header */
.top{background:var(--ink);color:#fff;font-size:.9rem}
.top .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}
.top a{color:#fff;text-decoration:none}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px}
.logo img{height:62px;width:auto}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav a{display:block;white-space:nowrap;font-size:.95rem;padding:8px 11px;border-radius:999px;color:var(--ink);text-decoration:none;font-weight:500}
nav a:hover,nav a[aria-current=page]{background:var(--cream)}
nav a.btn-call{background:var(--gold);color:#fff;margin-left:6px}
nav a.btn-call:hover{background:var(--gold-dark)}
.menu-toggle,.menu-btn{display:none}

@media (max-width:1080px){
  .menu-btn{display:block;cursor:pointer;padding:10px;border:1px solid var(--line);border-radius:10px;font-weight:600}
  nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);display:none}
  nav ul{flex-direction:column;align-items:stretch;padding:10px 20px 16px}
  .menu-toggle:checked ~ nav{display:block}
  nav a.btn-call{margin:6px 0 0;text-align:center}
  .logo img{height:44px}
}

/* Buttons */
.btn{display:inline-block;padding:12px 26px;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid #fff;color:#fff;transition:.15s}
.btn.solid{background:#fff;color:var(--ink)}
.btn:hover{transform:translateY(-1px)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:#fff}
.btn.gold:hover{background:var(--gold-dark);border-color:var(--gold-dark)}
.btn.outline{border-color:var(--ink);color:var(--ink)}

/* Hero */
.hero{margin:24px auto 0;max-width:var(--max);padding:0 20px}
.hero-inner{position:relative;border-radius:var(--radius);overflow:hidden;min-height:440px;display:flex;align-items:center;background:#555 url(../images/downtown-urbana.jpg) center/cover}
.hero-inner::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(30,26,22,.82) 0%,rgba(30,26,22,.55) 55%,rgba(30,26,22,.15) 100%)}
.hero-text{position:relative;color:#fff;padding:48px;max-width:640px}
.hero-text p{font-size:1.1rem;opacity:.95}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.page-hero .hero-inner{min-height:240px}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:var(--max);margin:20px auto 0;padding:0 20px}
.stat{background:var(--cream);border-radius:16px;padding:18px 20px}
.stat b{display:block;font-size:1.6rem;color:var(--gold-dark)}
.stat span{color:var(--muted);font-size:.95rem}
@media (max-width:800px){.stats{grid-template-columns:repeat(2,1fr)}}

/* Sections */
section{padding:64px 0}
.lead{font-size:1.15rem;color:var(--muted);max-width:760px}
.panel{background:var(--cream);border-radius:var(--radius);padding:48px}
@media (max-width:700px){.panel{padding:28px 22px}.hero-text{padding:30px 24px}}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split img{border-radius:var(--radius);width:100%;height:100%;object-fit:cover;max-height:460px}
@media (max-width:850px){.split{grid-template-columns:1fr;gap:28px}}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.cards{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--ink);border-radius:18px;padding:26px}
.panel .card{background:var(--cream)}
.card .icon{width:46px;height:46px;border-radius:12px;background:var(--ink);color:#fff;display:grid;place-items:center;margin-bottom:14px}
.card .icon svg{width:24px;height:24px}
.card ul{padding-left:18px;margin:0}
.card li{margin:6px 0}

.links-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:14px}

/* Article / prose */
.prose{max-width:820px}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.3em}
.prose ul{padding-left:22px}
.prose li{margin:5px 0}
.note{background:var(--cream);border-left:5px solid var(--gold);border-radius:12px;padding:16px 20px;margin:20px 0}
.checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
@media (max-width:800px){.checklist{grid-template-columns:1fr}}
.checklist .card h3{margin-bottom:8px}

/* Forms list */
.file-list{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.file-list a{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:16px 20px;border:1px solid var(--line);border-radius:14px;text-decoration:none;color:var(--ink);background:#fff;font-weight:500}
.file-list a:hover{border-color:var(--gold)}
.file-list a span{color:var(--gold-dark);font-weight:600;white-space:nowrap}

/* CTA */
.cta{background:var(--ink);color:#fff;border-radius:var(--radius);padding:44px 48px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta h2{margin:0}
.cta p{margin:6px 0 0;opacity:.85}

/* Footer */
footer{background:var(--cream);margin-top:64px;padding:48px 0 24px;color:var(--ink)}
.foot{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px}
@media (max-width:850px){.foot{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot{grid-template-columns:1fr}}
footer h4{margin:0 0 10px;font-size:1rem}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin:5px 0}
footer a{color:var(--ink)}
footer img{height:130px;width:auto;margin-bottom:12px}
.copy{border-top:1px solid var(--line);margin-top:30px;padding-top:18px;font-size:.9rem;color:var(--muted)}
.map{border:0;width:100%;height:320px;border-radius:var(--radius)}
@media (max-width:520px){.stat b{font-size:1.25rem}.top .wrap span{display:none}}

/* ---------- Web organizers ---------- */
.orgwrap{max-width:980px}
.org fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px 10px;margin:0 0 22px;background:#fff}
.org legend{font-weight:700;font-size:1.15rem;padding:3px 14px;background:var(--ink);color:#fff;border-radius:14px;line-height:1.5}
.fgrid{display:grid;grid-template-columns:repeat(12,1fr);gap:0 16px}
.fgrid>.w1{grid-column:span 12}.fgrid>.w2{grid-column:span 6}.fgrid>.w3{grid-column:span 4}.fgrid>.w4{grid-column:span 3}
@media (max-width:760px){.fgrid>.w2,.fgrid>.w3{grid-column:span 12}.fgrid>.w4{grid-column:span 6}.org fieldset{padding:18px 14px 6px}}
.org .f{display:block;margin-bottom:14px}
.org .f>span{display:block;font-size:.9rem;font-weight:500;margin-bottom:5px}
.org .f>span small{display:block;font-weight:400;color:var(--muted);font-size:.8rem}
.org input[type=text],.org input[type=tel],.org input[type=email],.org input[type=date],.org input[type=number],.org textarea,.org select{width:100%;font:inherit;font-size:.95rem;padding:9px 11px;border:1px solid #c9bfb1;border-radius:9px;background:#fff;color:var(--ink)}
.org input:focus,.org textarea:focus,.org select:focus{outline:2px solid var(--gold);outline-offset:1px}
.org .money .dollar{display:flex;align-items:center;gap:6px}
.org .money .dollar::before{content:"$";font-weight:600;color:var(--muted)}
.org .money input{text-align:right}
.org .money.total input{background:var(--cream);font-weight:700;border-style:dashed}
.org .choice .opts{display:flex;flex-wrap:wrap;gap:6px 18px;padding:4px 0}
.org .grid-opts{display:grid!important;grid-template-columns:repeat(3,1fr)}
@media (max-width:760px){.org .grid-opts{grid-template-columns:1fr}}
.org .opt{display:flex;align-items:center;gap:7px;font-size:.95rem;cursor:pointer}
.org .opt input{width:18px;height:18px;flex:none;accent-color:var(--gold-dark)}
.org .check{display:flex;gap:12px;align-items:flex-start;margin:6px 0 16px;font-size:.95rem}
.org .check input{width:20px;height:20px;margin-top:3px;flex:none;accent-color:var(--gold-dark)}
.org .subhead{grid-column:span 12;margin:10px 0 10px;font-size:1.05rem;border-bottom:2px solid var(--gold);padding-bottom:4px}
.org .invalid input,.org .invalid select,.org .invalid textarea{border-color:#b3261e;background:#fdf3f2}
.org .invalid>span,.org .check.invalid span{color:#b3261e}
.org .note{color:var(--muted);font-size:.9rem;margin:0 0 12px}
.note.secure{border-left-color:var(--gold)}
.req{color:#b3261e}
.hp{position:absolute;left:-9999px;height:1px;overflow:hidden}
.btn.big{font-size:1.05rem;padding:15px 34px;border:0;cursor:pointer}
.msg{border-radius:14px;padding:16px 20px;margin:0 0 22px;font-weight:500}
.msg.ok{background:#e6f4ea;color:#1e5b2f}.msg.bad{background:#fdecea;color:#8c1d18}
.tablewrap{overflow-x:auto;margin-bottom:14px}
.ftable{width:100%;border-collapse:collapse;font-size:.9rem}
.ftable th{text-align:left;font-size:.78rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);padding:6px 4px;border-bottom:1px solid var(--line)}
.ftable td{padding:4px}
.ftable input,.ftable select{padding:7px 8px!important}
@media (max-width:760px){
 .ftable thead{display:none}.ftable tr{display:block;border:1px solid var(--line);border-radius:12px;padding:8px;margin-bottom:10px}
 .ftable td{display:grid;grid-template-columns:40% 60%;align-items:center}.ftable td::before{content:attr(data-label);font-size:.8rem;color:var(--muted)}}
.formlinks{display:flex;flex-wrap:wrap;align-items:center;gap:10px 16px;margin-top:auto;padding-top:10px}
.formlinks a:not(.btn){font-weight:600;font-size:.95rem}
.cards .card{display:flex;flex-direction:column}