:root{--ink:#152235;--paper:#f6f0e4;--teal:#0e4f4c;--blue:#366a96;--terra:#b85e48;--mint:#ddece4;--white:#fffdf8;--muted:#5c6672;--rule:#aeb4b2;--display:Georgia,"Times New Roman",Times,serif;--sans:"Avenir Next",Avenir,"Segoe UI","Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;text-rendering:optimizeLegibility}a{color:var(--blue);text-underline-offset:4px}a:hover{color:var(--teal)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--teal);outline-offset:3px}h1,h2,h3{font-family:var(--display);font-weight:400;line-height:1.08;margin-top:0}p,li{max-width:76ch}.shell{width:min(1180px,calc(100% - 48px));margin:auto}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:12px;z-index:300;background:var(--white);padding:10px 14px;border:2px solid var(--teal)}
.site-header{position:sticky;top:0;z-index:100;background:rgba(246,240,228,.98);border-top:5px solid var(--teal);border-bottom:1px solid var(--ink)}.header-inner{min-height:90px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;align-items:center;gap:16px;color:var(--ink);text-decoration:none;min-width:255px;flex:none}.brand-name{font-family:var(--display);font-size:27px;letter-spacing:-.03em;text-transform:uppercase;white-space:nowrap}.brand-rule{height:28px;width:1px;background:var(--rule)}.brand-tag{color:var(--teal);font-size:12px;font-weight:750;line-height:1.15;max-width:150px}.nav-toggle{display:none;background:transparent;border:1px solid var(--ink);border-radius:4px;padding:9px 12px;color:var(--ink);font-weight:750}.site-nav{min-width:0}.nav-list{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:22px;flex-wrap:nowrap}.nav-list>li{position:relative}.nav-link,.nav-button{border:0;background:transparent;padding:11px 0;color:var(--ink);font:700 12px/1 var(--sans);text-transform:uppercase;letter-spacing:.04em;text-decoration:none;cursor:pointer;white-space:nowrap}.nav-link:hover,.nav-button:hover{color:var(--teal)}.nav-button::after{content:" +";color:var(--terra)}.dropdown{display:none;position:absolute;right:0;top:38px;min-width:245px;margin:0;padding:8px 0;list-style:none;background:var(--white);border:1px solid var(--ink);border-radius:4px}.dropdown.open{display:block}.dropdown a{display:block;padding:9px 15px;color:var(--ink);font-size:14px;text-decoration:none}.dropdown a:hover{background:var(--mint);color:var(--teal)}.nav-cta{padding:11px 14px!important;border:1px solid var(--teal);border-radius:4px;color:var(--teal)!important}.nav-cta:hover{background:var(--teal);color:var(--white)!important}
.hero{padding:clamp(72px,9vw,132px) 0;border-bottom:1px solid var(--ink)}.hero-grid{display:grid;grid-template-columns:minmax(0,7fr) minmax(330px,5fr);gap:clamp(48px,7vw,100px);align-items:center}.eyebrow{display:flex;align-items:center;gap:13px;margin:0 0 22px;color:var(--teal);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.eyebrow::before{content:"";width:38px;height:3px;background:var(--terra);flex:none}.hero h1{font-size:clamp(60px,7vw,98px);letter-spacing:-.05em;margin-bottom:30px}.hero .deck{font-size:clamp(21px,2vw,27px);line-height:1.42;margin:0 0 32px}.actions{display:flex;gap:12px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 17px;border:2px solid var(--teal);border-radius:4px;font-size:14px;font-weight:750;text-decoration:none;transition:transform 160ms ease,background 160ms,color 160ms}.button:hover{transform:translateY(-1px)}.button.primary{background:var(--teal);color:var(--white)}.button.primary:hover{background:var(--ink);border-color:var(--ink)}.button.secondary{color:var(--teal)}.button.secondary:hover{background:var(--mint)}.hero-brief{background:var(--white);border-top:4px solid var(--teal);border-bottom:1px solid var(--ink)}.hero-brief h2{font-size:clamp(30px,3vw,43px);padding:28px 28px 18px;margin:0}.hero-brief p{padding:0 28px 26px;margin:0;color:var(--muted)}.fact-list{list-style:none;margin:0;padding:0}.fact-list li{border-top:1px solid var(--rule);padding:18px 28px}.fact-list strong{display:block;font-size:13px;text-transform:uppercase}.fact-list span{color:var(--muted);font-size:15px}.brief-note{padding:15px 28px!important;background:var(--mint);border-top:1px solid var(--ink);color:var(--teal)!important;font-size:13px;font-weight:800}
.band{background:var(--ink);color:var(--white);border-bottom:1px solid var(--ink)}.band-grid{display:grid;grid-template-columns:repeat(3,1fr)}.band-grid span{padding:17px 20px;text-align:center;border-right:1px solid #667180;font-size:13px;font-weight:700}.band-grid span:last-child{border-right:0}.section{padding:clamp(68px,8vw,112px) 0;border-bottom:1px solid var(--ink)}.section.alt{background:var(--white)}.section.mint{background:var(--mint)}.section.dark{background:var(--teal);color:var(--white)}.section-head{display:grid;grid-template-columns:minmax(260px,5fr) minmax(0,7fr);gap:clamp(40px,7vw,100px);align-items:start}.section h2{font-size:clamp(42px,5vw,68px);letter-spacing:-.035em;margin-bottom:24px}.section h3{font-size:clamp(25px,3vw,38px);letter-spacing:-.02em}.lead{font-size:clamp(20px,2vw,25px);line-height:1.45}.source-row{display:flex;gap:18px;flex-wrap:wrap;font-size:14px;font-weight:750}.source-row a{color:var(--blue)}.dark .source-row a{color:var(--white)}.note{border-left:3px solid var(--terra);padding:16px 20px;background:var(--mint)}.dark .note{background:rgba(255,253,248,.1);border-color:var(--white)}
.process{display:grid;grid-template-columns:repeat(4,1fr);list-style:none;margin:44px 0 0;padding:0;border-top:1px solid var(--ink)}.process li{padding:24px 22px;border-right:1px solid var(--rule)}.process li:last-child{border-right:0}.process .num{font-family:var(--display);font-size:34px;color:var(--terra)}.process h3{font-family:var(--sans);font-size:17px;font-weight:800;margin:18px 0 8px}.process p{font-size:15px;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--ink);border-left:1px solid var(--ink);margin-top:40px}.card{padding:28px;border-right:1px solid var(--ink);border-bottom:1px solid var(--ink);background:var(--white)}.card h3{font-size:28px}.card p{color:var(--muted)}.card .kicker{color:var(--teal);font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.card a.stretched{font-weight:750}.two-col{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--ink);margin-top:42px}.two-col>div{padding:32px}.two-col>div+div{border-left:1px solid var(--ink);background:var(--mint)}.quiet-list{padding-left:20px}.quiet-list li{margin:10px 0}.stats{display:grid;grid-template-columns:repeat(3,1fr);margin-top:40px;background:var(--ink);color:var(--white)}.stat{padding:28px;border-right:1px solid #657080}.stat:last-child{border-right:0}.stat strong{display:block;font-family:var(--display);font-size:48px;font-weight:400}.stat span{font-size:13px}
.page-hero{padding:clamp(65px,8vw,110px) 0 70px;border-bottom:1px solid var(--ink)}.breadcrumbs{font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:750;color:var(--teal)}.page-hero h1{font-size:clamp(54px,7vw,88px);letter-spacing:-.045em;max-width:970px;margin:22px 0 25px}.page-hero .deck{font-size:clamp(21px,2vw,27px);max-width:850px}.article{max-width:850px}.article h2{margin-top:58px;font-size:clamp(35px,4vw,50px)}.article h3{margin-top:38px;font-size:28px}.article p,.article li{font-size:18px}.article .lede{font-size:23px}.callout{margin:36px 0;padding:28px;background:var(--mint);border-top:3px solid var(--teal);border-bottom:1px solid var(--ink)}.callout h3{margin-top:0}.page-actions{margin-top:42px}.faq-list{max-width:900px;margin-top:35px}.faq-list details{border-top:1px solid var(--ink);padding:20px 0}.faq-list details:last-child{border-bottom:1px solid var(--ink)}.faq-list summary{font-family:var(--display);font-size:25px;cursor:pointer}.faq-list details p{margin-left:24px;color:var(--muted)}
.portal-layout{display:grid;grid-template-columns:220px 1fr;min-height:520px;border:1px solid var(--ink);background:var(--white);margin-top:42px}.portal-nav{padding:25px;background:var(--ink);color:var(--white)}.portal-brand{font-family:var(--display);font-size:23px;margin-bottom:30px}.portal-nav ul{list-style:none;margin:0;padding:0}.portal-nav li{padding:10px 0;border-bottom:1px solid #465263;font-size:14px}.portal-main{padding:32px}.portal-main h3{font-size:34px}.mock-metrics{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--rule);margin:24px 0}.mock-metrics div{padding:18px;border-right:1px solid var(--rule)}.mock-metrics div:last-child{border-right:0}.mock-metrics strong{display:block;font-family:var(--display);font-size:32px;font-weight:400}.mock-table{width:100%;border-collapse:collapse}.mock-table th,.mock-table td{text-align:left;padding:12px;border-bottom:1px solid var(--rule);font-size:13px}.mock-table th{text-transform:uppercase;font-size:11px}.status{font-weight:800;color:var(--teal)}.screenshot{width:100%;display:block;border:1px solid var(--ink);margin-top:34px}.caption{font-size:13px;color:var(--muted)}
.calculator{display:grid;grid-template-columns:5fr 7fr;border:1px solid var(--ink);margin-top:40px;background:var(--white)}.calc-inputs,.calc-results{padding:34px}.calc-results{background:var(--mint);border-left:1px solid var(--ink)}label{display:block;font-weight:750;margin:17px 0 6px}input,select,textarea{width:100%;padding:12px;border:1px solid var(--ink);border-radius:4px;background:var(--white);font:inherit}textarea{resize:vertical;min-height:128px}.result-big{font-family:var(--display);font-size:clamp(48px,6vw,78px);line-height:1}.result-grid{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--ink);margin-top:24px}.result-grid div{padding:15px 15px 15px 0}.result-grid strong{display:block;font-size:24px}.calc-note{font-size:13px;color:var(--muted)}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--ink);margin-top:40px;background:var(--white)}.choice-grid>article{padding:34px}.choice-grid>article+article{border-left:1px solid var(--ink);background:var(--mint)}.choice-grid h3{font-size:34px}.choice-grid p{color:var(--muted)}.contact-grid{display:grid;grid-template-columns:minmax(0,7fr) minmax(280px,5fr);border:1px solid var(--ink);background:var(--white);margin-top:42px}.contact-form,.contact-aside{padding:34px}.contact-aside{background:var(--mint);border-left:1px solid var(--ink)}.contact-aside h2{font-size:38px}.contact-aside .button{margin:8px 0 18px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.hp-field{position:absolute;left:-9999px}.form-note{font-size:13px;color:var(--muted);margin-top:14px}
.footer{padding:55px 0 30px;background:var(--ink);color:var(--white)}.footer-grid{display:grid;grid-template-columns:4fr 5fr 3fr;gap:45px}.footer h2{font-size:28px}.footer p,.footer a{font-size:13px}.footer a{color:var(--white)}.footer ul{list-style:none;padding:0;margin:0;columns:2}.footer-bottom{margin-top:42px;padding-top:20px;border-top:1px solid #596577;display:flex;justify-content:space-between;gap:20px;color:#d9dde2}.footer-legal{max-width:720px}
@media(max-width:1350px){.brand-tag,.brand-rule{display:none}.brand{min-width:auto}.nav-list{gap:16px}.nav-link,.nav-button{font-size:11px}}
@media(max-width:1050px){.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:1120px){.shell{width:min(100% - 32px,1180px)}.site-header{position:relative}.header-inner{min-height:76px}.nav-toggle{display:block}.site-nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--ink);padding:14px 16px;max-height:calc(100vh - 76px);overflow:auto}.site-nav.open{display:block}.nav-list{display:block}.nav-list>li{border-top:1px solid var(--rule)}.nav-link,.nav-button{display:block;width:100%;text-align:left;padding:15px 5px}.dropdown{position:static;border:0;border-top:1px solid var(--rule);background:var(--white);min-width:0}.hero-grid,.section-head,.calculator,.contact-grid{grid-template-columns:1fr}.hero h1{font-size:clamp(52px,14vw,76px)}.hero-brief{margin-top:15px}.process{grid-template-columns:1fr 1fr}.process li{border-bottom:1px solid var(--rule)}.cards{grid-template-columns:1fr}.two-col,.choice-grid{grid-template-columns:1fr}.two-col>div+div,.choice-grid>article+article{border-left:0;border-top:1px solid var(--ink)}.portal-layout{grid-template-columns:1fr}.portal-nav{padding:18px}.portal-nav ul{display:flex;gap:16px;overflow:auto}.portal-nav li{white-space:nowrap;border:0}.calc-results,.contact-aside{border-left:0;border-top:1px solid var(--ink)}.footer-grid{grid-template-columns:1fr}.footer ul{columns:1}.footer-bottom{display:block}.band-grid,.stats{grid-template-columns:1fr}.band-grid span,.stat{border-right:0;border-bottom:1px solid #657080}.mock-metrics{grid-template-columns:1fr}.mock-metrics div{border-right:0;border-bottom:1px solid var(--rule)}}
@media(max-width:520px){body{font-size:16px}.brand-name{font-size:22px}.process,.form-row{grid-template-columns:1fr}.page-hero h1{font-size:50px}.result-grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}.button:hover{transform:none}}