:root{
  --bk-navy:#0F2340;
  --bk-navy-mid:#1A3A5C;
  --bk-navy-light:#234870;
  --bk-gold:#C9A84C;
  --bk-gold-light:#E2C97A;
  --bk-gold-soft:rgba(201,168,76,.12);
  --bk-gold-border:rgba(201,168,76,.25);
  --bk-cream:#F5F1EA;
  --bk-cream-dark:#EDE8DF;
  --bk-white:#FFFFFF;
  --bk-text:#3D4F63;
  --bk-muted:#708090;
  --bk-border:rgba(15,35,64,.10);
  --bk-green:#15803d;
  --bk-radius:16px;
  --bk-shadow:0 16px 42px rgba(15,35,64,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',sans-serif;background:var(--bk-cream);color:var(--bk-navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
.bk-page{background:var(--bk-cream);overflow:hidden}

.bk-section{padding:72px 24px}
.bk-white{background:var(--bk-white)}
.bk-cream{background:var(--bk-cream)}
.bk-cream-dark{background:var(--bk-cream-dark)}
.bk-navy{background:var(--bk-navy)}
.bk-navy-mid{background:var(--bk-navy-mid)}
.bk-kicker{display:inline-block;color:var(--bk-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.bk-section-head{max-width:820px;margin-bottom:36px}

.bk-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--bk-navy)}
.bk-section-head p{margin:0;color:var(--bk-text);font-size:15.5px;line-height:1.76}
.bk-light h2{color:#fff!important}
.bk-light p{color:rgba(235,241,247,.86)!important}
.bk-btn,.bk-btn-outline,.bk-btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:13px 24px;border-radius:7px;font-size:15px;font-weight:800;text-decoration:none;transition:all .22s ease}
.bk-btn{background:var(--bk-gold);color:var(--bk-navy)!important}
.bk-btn:hover{background:var(--bk-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.bk-btn-outline{color:var(--bk-gold)!important;border:1px solid var(--bk-gold-border);background:rgba(201,168,76,.08)}
.bk-btn-outline:hover{border-color:var(--bk-gold);background:rgba(201,168,76,.16)}
.bk-btn-ghost{color:rgba(235,241,247,.90)!important;padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.30);border-radius:0}
.bk-btn-ghost:hover{color:var(--bk-gold)!important}

/* HERO */
.bk-hero{position:relative;overflow:hidden;background:var(--bk-navy);padding:62px 24px 0}
.bk-hero::before{content:"";position:absolute;width:720px;height:720px;right:-160px;top:-200px;background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 66%);pointer-events:none}
.bk-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.40),transparent)}
.bk-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:48px;align-items:center;position:relative;z-index:2}
.bk-badge{display:inline-flex;align-items:center;gap:8px;background:var(--bk-gold-soft);border:1px solid var(--bk-gold-border);color:var(--bk-gold-light);padding:7px 14px;border-radius:5px;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
.bk-dot{width:7px;height:7px;border-radius:50%;background:var(--bk-gold);flex-shrink:0}
.bk-hero h1{font-family:'Playfair Display',serif;font-size:clamp(31px,4vw,52px);line-height:1.08;color:#fff;margin:0 0 16px;max-width:790px}
.bk-hero h1 em{display:block;font-style:normal;color:var(--bk-gold);font-size:.80em;line-height:1.18;margin-top:8px}
.bk-hero-intro{font-size:16px;color:rgba(235,241,247,.97);line-height:1.72;margin:0 0 17px;max-width:700px;font-weight:700;border-left:3px solid var(--bk-gold);padding-left:16px}
.bk-hero-lead{font-size:15.5px;color:rgba(235,241,247,.84);line-height:1.78;margin:0 0 24px;max-width:670px}
.bk-hero-lead a{color:var(--bk-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.45)}

.bk-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px 14px;max-width:700px;margin-bottom:20px}
.bk-check{display:flex;gap:9px;color:rgba(235,241,247,.9);font-size:13px;line-height:1.45}
.bk-check-mark{width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);color:var(--bk-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.bk-hero-card{background:var(--bk-navy-mid);border:1px solid var(--bk-gold-border);border-radius:var(--bk-radius);overflow:hidden;box-shadow:0 22px 55px rgba(0,0,0,.14)}
.bk-hero-card-head{padding:16px 20px;background:linear-gradient(135deg,var(--bk-gold),var(--bk-gold-light));color:var(--bk-navy);font-weight:900;font-size:14px}
.bk-hero-card-body{padding:18px 20px}
.bk-hero-row{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px solid rgba(201,168,76,.09)}
.bk-hero-row:last-child{border-bottom:0}
.bk-hero-row span:first-child{color:#D9E1E9;font-size:13px;line-height:1.45}
.bk-hero-row span:last-child{color:var(--bk-gold);font-size:12.5px;font-weight:900;text-align:right}
.bk-hero-card-cta{display:block;background:var(--bk-gold);color:var(--bk-navy)!important;text-align:center;padding:14px 18px;font-weight:900;font-size:14px}
.bk-hero-card-note{padding:11px 18px 15px;color:#A7B5C2;font-size:11.5px;text-align:center;line-height:1.55}
.bk-trust{max-width:1160px;margin:32px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.11);position:relative;z-index:2}
.bk-trust-item{padding:14px 15px;color:#A7B5C2;font-size:12.5px;border-right:1px solid rgba(201,168,76,.08)}
.bk-trust-item:last-child{border-right:0}

/* DIRECT ANSWER */
.bk-answer{background:#fff;border:1px solid var(--bk-border);border-left:4px solid var(--bk-gold);border-radius:0 var(--bk-radius) var(--bk-radius) 0;padding:24px 26px;box-shadow:var(--bk-shadow)}
.bk-answer strong{display:block;color:var(--bk-navy);font-size:15px;margin-bottom:7px}
.bk-answer p{margin:0;color:var(--bk-text);font-size:14.5px;line-height:1.76}

/* CARDS */



.bk-card{background:#fff;border:1px solid var(--bk-border);border-radius:var(--bk-radius);padding:23px 21px;box-shadow:0 8px 24px rgba(15,35,64,.055)}
.bk-card h3{font-size:15.5px;color:var(--bk-navy);margin:0 0 8px;line-height:1.35}
.bk-card p{font-size:13.5px;color:var(--bk-text);margin:0;line-height:1.68}
.bk-card-label{display:inline-block;color:var(--bk-gold);font-size:10.5px;font-weight:900;letter-spacing:.09em;text-transform:uppercase;margin-bottom:9px}
.bk-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.bk-list li{display:flex;gap:10px;color:var(--bk-text);font-size:13.5px;line-height:1.55}
.bk-list li::before{content:"✓";width:20px;height:20px;min-width:20px;border-radius:50%;background:var(--bk-gold-soft);color:var(--bk-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.bk-list-negative li::before{content:"—"}
.bk-light .bk-list li{color:rgba(235,241,247,.9)}

/* DARK PROCESS */
.bk-process{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--bk-gold-border);border-radius:var(--bk-radius);overflow:hidden}
.bk-process article{background:var(--bk-navy-mid);padding:25px 22px}
.bk-step{font-family:'Playfair Display',serif;font-size:27px;font-weight:700;color:var(--bk-gold);line-height:1;margin-bottom:13px}
.bk-process h3{font-size:15px;color:#fff;margin:0 0 8px}
.bk-process p{font-size:13px;color:rgba(235,241,247,.82);line-height:1.66;margin:0}

/* SCOPE */
.bk-scope-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.bk-scope{border-radius:var(--bk-radius);padding:25px 23px;border:1px solid var(--bk-border);background:#fff;box-shadow:var(--bk-shadow)}
.bk-scope.dark{background:var(--bk-navy);border-color:var(--bk-gold-border)}
.bk-scope h3{font-family:'Playfair Display',serif;font-size:22px;margin:0 0 15px;color:var(--bk-navy)}
.bk-scope.dark h3{color:#fff}
.bk-scope.dark .bk-list li{color:rgba(235,241,247,.88)}

/* EXAMPLES */
.bk-case{background:#fff;border:1px solid var(--bk-border);border-radius:var(--bk-radius);padding:24px;box-shadow:var(--bk-shadow)}
.bk-case h3{font-family:'Playfair Display',serif;font-size:20px;color:var(--bk-navy);margin:0 0 9px;line-height:1.3}
.bk-case p{font-size:13.5px;color:var(--bk-text);line-height:1.68;margin:0 0 13px}
.bk-case-result{border-top:1px solid var(--bk-border);padding-top:12px;color:var(--bk-green);font-size:13px;font-weight:800;line-height:1.55}

/* QUOTE FACTORS */
.bk-factor{background:rgba(255,255,255,.06);border:1px solid rgba(201,168,76,.16);border-radius:12px;padding:20px}
.bk-factor h3{color:#fff;font-size:14.5px;margin:0 0 7px}
.bk-factor p{color:rgba(235,241,247,.78);font-size:13px;line-height:1.62;margin:0}
.bk-quote-note{margin-top:22px;background:rgba(201,168,76,.10);border:1px solid rgba(201,168,76,.28);border-left:4px solid var(--bk-gold);border-radius:0 12px 12px 0;padding:18px 20px;color:rgba(235,241,247,.9);font-size:13.5px;line-height:1.7}
.bk-quote-note strong{color:#fff}

/* ROUTING */

.bk-route{background:#fff;border:1px solid var(--bk-border);border-radius:var(--bk-radius);padding:21px 19px;box-shadow:0 8px 22px rgba(15,35,64,.05)}
.bk-route h3{font-size:15px;color:var(--bk-navy);margin:0 0 8px;line-height:1.35}
.bk-route p{font-size:13px;color:var(--bk-text);line-height:1.65;margin:0 0 12px}
.bk-route a{color:var(--bk-gold);font-size:13px;font-weight:900;border-bottom:1px solid rgba(201,168,76,.32)}

/* FAQ — native, no JS */
.bk-faq{display:flex;flex-direction:column;border:1px solid var(--bk-border);border-radius:var(--bk-radius);overflow:hidden;background:#fff}
.bk-faq details{border-bottom:1px solid var(--bk-border);background:#fff}
.bk-faq details:last-child{border-bottom:0}
.bk-faq summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:19px 22px;color:var(--bk-navy);font-size:14.5px;font-weight:800}
.bk-faq summary::-webkit-details-marker{display:none}
.bk-faq summary::after{content:"+";width:28px;height:28px;min-width:28px;border-radius:50%;border:1px solid var(--bk-gold-border);color:var(--bk-gold);display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:500;transition:transform .2s ease}
.bk-faq details[open] summary{background:var(--bk-cream)}
.bk-faq details[open] summary::after{transform:rotate(45deg)}
.bk-faq-answer{padding:0 22px 20px;color:var(--bk-text);font-size:14px;line-height:1.75}

/* FORM */
.bk-form-grid{display:grid;grid-template-columns:minmax(0,1fr) 450px;gap:50px;align-items:start}
.bk-form-copy h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,37px);color:#fff;line-height:1.14;margin:0 0 15px}
.bk-form-copy h2 em{font-style:normal;color:var(--bk-gold)}
.bk-form-copy p{font-size:15px;color:rgba(235,241,247,.84);line-height:1.75;margin:0 0 22px}
.bk-form-contact{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.bk-form-contact a{color:var(--bk-gold);font-weight:900;font-size:14px}
.bk-form-box{background:var(--bk-navy-mid);border:1px solid var(--bk-gold-border);border-radius:var(--bk-radius);overflow:hidden}
.bk-form-head{background:linear-gradient(135deg,var(--bk-gold),var(--bk-gold-light));padding:17px 21px;color:var(--bk-navy)}
.bk-form-head h3{margin:0 0 3px;font-size:17px}
.bk-form-head p{margin:0;color:rgba(15,35,64,.72);font-size:12.5px}
.bk-form-body{padding:22px;color:#fff}
.bk-form-body .wpforms-field-label,.bk-form-body label{display:block!important;color:rgba(235,241,247,.82)!important;font-size:11px!important;font-weight:900!important;text-transform:uppercase!important;letter-spacing:.05em!important;margin-bottom:6px!important}
.bk-form-body input[type="text"],.bk-form-body input[type="email"],.bk-form-body input[type="tel"],.bk-form-body select,.bk-form-body textarea{width:100%!important;padding:12px 13px!important;border-radius:6px!important;border:1px solid rgba(201,168,76,.28)!important;background:rgba(255,255,255,.07)!important;color:#fff!important;font-size:16px!important;font-family:'DM Sans',sans-serif!important;-webkit-text-fill-color:#fff!important}
.bk-form-body input:focus,.bk-form-body select:focus,.bk-form-body textarea:focus{outline:none!important;border-color:var(--bk-gold)!important;background:rgba(255,255,255,.11)!important;box-shadow:0 0 0 3px rgba(201,168,76,.15)!important}
.bk-form-body .wpforms-submit,.bk-form-body button[type="submit"],.bk-form-body input[type="submit"]{width:100%!important;background:var(--bk-gold)!important;color:var(--bk-navy)!important;border:0!important;border-radius:6px!important;padding:14px!important;font-size:15px!important;font-weight:900!important;cursor:pointer!important;-webkit-text-fill-color:var(--bk-navy)!important}
.bk-form-body .wpforms-title,.bk-form-body .wpforms-description{display:none!important}
.bk-privacy{font-size:11px;color:#A7B5C2;line-height:1.55;margin-top:10px}

/* RELATED */

.bk-related-card{display:block;background:rgba(255,255,255,.055);border:1px solid rgba(201,168,76,.14);border-radius:12px;padding:19px 17px;transition:all .2s ease}
.bk-related-card:hover{background:rgba(201,168,76,.09);border-color:var(--bk-gold-border);transform:translateY(-2px)}
.bk-related-tag{font-size:10px;color:var(--bk-gold);font-weight:900;letter-spacing:.1em;text-transform:uppercase;margin-bottom:7px}
.bk-related-title{font-size:14px;color:#fff;font-weight:800;line-height:1.4;margin-bottom:6px}
.bk-related-text{font-size:12.5px;color:rgba(235,241,247,.72);line-height:1.6}

@media(max-width:1024px){
  .bk-hero-grid,.bk-form-grid{grid-template-columns:1fr;gap:32px}
  .bk-hero-card{max-width:680px}
  .bk-trust{grid-template-columns:repeat(2,1fr)}
  
  
}
@media(max-width:760px){
  .bk-section{padding:54px 18px}
  .bk-wrap{padding:0}
  
  .bk-checks{grid-template-columns:1fr}
  .bk-actions{flex-direction:column;align-items:stretch}
  
  
}
@media(max-width:520px){
  .bk-hero{padding:42px 16px 0}
  .bk-hero h1{font-size:28px}
  .bk-hero h1 em{font-size:.78em}
  .bk-hero-intro,.bk-hero-lead{font-size:14.5px}
  .bk-hero-row{flex-direction:column;gap:4px}
  .bk-hero-row span:last-child{text-align:left}
  .bk-trust{grid-template-columns:1fr;margin-top:22px}
  .bk-trust-item{border-right:0;border-bottom:1px solid rgba(201,168,76,.08)}
  .bk-section{padding:44px 15px}
  .bk-section-head h2{font-size:24px}
  .bk-card,.bk-scope,.bk-case,.bk-route{padding:19px 17px}
  .bk-faq summary{padding:17px 16px;font-size:14px}
  .bk-faq-answer{padding:0 16px 18px}
  .bk-form-body{padding:18px 15px}
}