@font-face{font-family:"Jakarta";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Jakarta";font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Jakarta";font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-700-normal.woff2) format("woff2")}
@font-face{font-family:"Jakarta";font-style:normal;font-weight:800;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-800-normal.woff2) format("woff2")}
@font-face{font-family:"Fraunces";font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/fraunces-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Fraunces";font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/fraunces-latin-700-normal.woff2) format("woff2")}
@font-face{font-family:"Fraunces";font-style:italic;font-weight:600;font-display:swap;src:url(/assets/fonts/fraunces-latin-600-italic.woff2) format("woff2")}

:root{
  --ink:#0A1424;--ink-2:#101C31;--ink-3:#18263F;
  --paper:#FBFAF7;--paper-2:#F3F1EC;--white:#FFFFFF;
  --text:#253044;--muted:#556074;--line:#E5E1D8;--line-dark:rgba(255,255,255,.1);
  --on-dark:#E9EEF5;--on-dark-muted:#A7B2C4;
  --accent:#047857;--accent-dark:#065F46;--accent-soft:rgba(16,185,129,.12);
  --mint:#6EE7B7;--mint-2:#34D399;--teal:#2DD4BF;
  --radius:20px;--radius-sm:12px;
  --shadow:0 1px 2px rgba(10,20,36,.04),0 12px 32px -12px rgba(10,20,36,.16);
  --shadow-lg:0 30px 80px -30px rgba(10,20,36,.5);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Jakarta",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --max:1200px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.7;color:var(--text);background:var(--paper);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--accent);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid #3B82F6;outline-offset:2px;border-radius:6px}
h1,h2,h3,h4{font-family:var(--serif);line-height:1.15;color:var(--ink);font-weight:600;letter-spacing:-.015em}
h1{font-size:clamp(2.2rem,5vw,4rem);margin:.15em 0 .5em}
h1 em{font-style:italic;font-weight:600;background:linear-gradient(100deg,var(--mint),var(--teal));-webkit-background-clip:text;background-clip:text;color:transparent}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem);margin:2em 0 .55em}
h3{font-family:var(--sans);font-size:1.15rem;font-weight:700;letter-spacing:-.01em;margin:1.5em 0 .45em}
h4{font-family:var(--sans);font-size:1.02rem;font-weight:700;margin:1.2em 0 .4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin:.3em 0}
strong{color:var(--ink)}
.container{max-width:var(--max);margin:0 auto;padding:0 16px}
@media(min-width:700px){.container{padding:0 28px}}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:999;border-radius:8px}
.skip-link:focus{left:12px;top:12px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,20,36,.92);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line-dark)}
.site-header .container{display:flex;align-items:center;gap:1rem;min-height:74px}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:#fff;margin-right:auto}
.brand svg{width:42px;height:42px;flex:none;border-radius:11px;box-shadow:0 0 0 1px rgba(255,255,255,.12)}
.brand b{font-family:var(--sans);font-weight:800;font-size:1.06rem;display:block;line-height:1.2;color:#fff;letter-spacing:-.01em}
.brand small{display:block;font-size:.76rem;color:var(--on-dark-muted)}
.brand:hover{color:#fff}
.nav-toggle{display:none;border:1px solid rgba(255,255,255,.2);background:transparent;border-radius:999px;padding:.5rem 1rem;font:inherit;font-weight:700;color:#fff;cursor:pointer}
.nav-links{display:flex;align-items:center;gap:.1rem;list-style:none;margin:0;padding:0}
.nav-links>li{position:relative;margin:0}
.nav-links>li>a,.nav-links>li>button{display:block;padding:.55rem .75rem;color:var(--on-dark);text-decoration:none;font-weight:600;font-size:.95rem;border-radius:999px;background:none;border:0;font-family:inherit;cursor:pointer}
.nav-links>li>a:hover,.nav-links>li>button:hover,.nav-links>li.open>button{background:rgba(255,255,255,.08);color:#fff}
.nav-links>li>button::after{content:"";display:inline-block;width:.45em;height:.45em;margin-left:.45em;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-.2em) rotate(45deg)}
.nav-links .sub{display:none;position:absolute;left:-.5rem;top:calc(100% + 6px);min-width:320px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lg);padding:.5rem;list-style:none;margin:0}
.nav-links .sub::before{content:"";position:absolute;left:0;right:0;top:-10px;height:10px}
.nav-links .sub a{display:block;padding:.55rem .75rem;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:700;font-size:.92rem;line-height:1.35}
.nav-links .sub a span{display:block;font-weight:400;color:var(--muted);font-size:.82rem;margin-top:.1rem}
.nav-links .sub a:hover{background:var(--paper-2)}
.nav-links>li:hover>.sub,.nav-links>li:focus-within>.sub,.nav-links>li.open>.sub{display:block}
.nav-links>li.closed>.sub{display:none!important}
.nav-cta{margin-left:.6rem}
.nav-links>li.nav-cta>a{background:linear-gradient(135deg,var(--mint),var(--mint-2));color:var(--ink);padding:.68rem 1.2rem;font-weight:800;box-shadow:0 8px 24px -8px rgba(52,211,153,.6)}
.nav-links>li.nav-cta>a:hover{background:linear-gradient(135deg,#A7F3D0,var(--mint));color:var(--ink)}
@media(max-width:1060px){
  .nav-toggle{display:block}
  .primary-nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--ink);border-bottom:1px solid var(--line-dark);max-height:calc(100vh - 74px);overflow:auto;padding:.5rem 16px 1.2rem}
  .primary-nav.is-open{display:block}
  .nav-links{flex-direction:column;align-items:stretch}
  .nav-links>li>a,.nav-links>li>button{width:100%;text-align:left;padding:.8rem .6rem;border-radius:10px}
  .nav-links .sub{position:static;box-shadow:none;border:0;border-radius:12px;min-width:0;margin:.2rem 0 .6rem;background:var(--ink-2)}
  .nav-links .sub::before{display:none}
  .nav-links .sub a{color:#fff}
  .nav-links .sub a span{color:var(--on-dark-muted)}
  .nav-links .sub a:hover{background:var(--ink-3)}
  .nav-links>li:hover>.sub{display:none}
  .nav-links>li.open>.sub,.nav-links>li:focus-within>.sub{display:block}
  .nav-cta{margin:.6rem 0 0}
  .nav-links>li.nav-cta>a{text-align:center}
}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.9rem 1.45rem;border-radius:999px;font-weight:800;text-decoration:none;border:1.5px solid transparent;font-size:1rem;cursor:pointer;font-family:inherit;line-height:1.2;transition:transform .15s ease,box-shadow .2s ease,background .2s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(135deg,var(--mint),var(--mint-2));color:var(--ink);box-shadow:0 10px 28px -10px rgba(52,211,153,.7)}
.btn-primary:hover{color:var(--ink);box-shadow:0 14px 34px -10px rgba(52,211,153,.85)}
.btn-ghost{border-color:currentColor;color:var(--ink);background:transparent}
.btn-ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-row{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.4rem 0}

/* ---------- Hero (dark) ---------- */
.hero{position:relative;overflow:hidden;background:var(--ink);color:var(--on-dark);padding:2.4rem 0 3rem;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:56px 56px;mask-image:radial-gradient(ellipse 80% 70% at 30% 20%,#000 40%,transparent 100%);-webkit-mask-image:radial-gradient(ellipse 80% 70% at 30% 20%,#000 40%,transparent 100%)}
.hero::after{content:"";position:absolute;z-index:-1;width:720px;height:720px;right:-220px;top:-260px;background:radial-gradient(circle,rgba(52,211,153,.18),transparent 62%);pointer-events:none}
.hero h1{color:#fff}
.hero-grid{display:grid;gap:2.4rem}
@media(min-width:980px){.hero-grid{grid-template-columns:1.2fr .9fr;align-items:start}.hero-grid>div:first-child{padding-top:.6rem}}
.eyebrow{display:inline-flex;align-items:center;gap:.7rem;font-size:.78rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.eyebrow::before{content:"";width:28px;height:2px;background:currentColor;border-radius:2px}
.hero .eyebrow{color:var(--mint)}
.lead{font-size:1.16rem;max-width:62ch}
.answer-box{border-left:3px solid var(--mint-2);background:rgba(255,255,255,.04);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:1.1rem 1.3rem;margin:1.2rem 0;max-width:66ch;box-shadow:inset 0 0 0 1px rgba(255,255,255,.08)}
.answer-box p{margin:0;font-size:1.08rem;color:var(--on-dark)}
.answer-box strong{color:#fff}
.hero a{color:var(--mint)}
.hero a:hover{color:#fff}
.hero .btn-primary{color:var(--ink)}
.hero .btn-ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.hero .btn-ghost:hover{background:#fff;color:var(--ink);border-color:#fff}
.breadcrumbs{font-size:.86rem;color:var(--on-dark-muted);margin-bottom:1rem}
.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.35rem}
.breadcrumbs li{margin:0}
.breadcrumbs li+li::before{content:"/";margin-right:.35rem;color:#5E6B80}
.breadcrumbs a{color:var(--on-dark);text-decoration:none}
.breadcrumbs a:hover{text-decoration:underline;color:#fff}
.meta-line{font-size:.86rem;color:var(--on-dark-muted);display:flex;align-items:center;gap:.5rem;flex-wrap:wrap}
.meta-line::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--mint-2);box-shadow:0 0 0 4px rgba(52,211,153,.18)}
.hero-ticks{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.5rem 1.3rem;margin:0 0 1rem;font-size:.93rem;color:var(--on-dark)}
.hero-ticks li{margin:0;display:flex;align-items:center;gap:.45rem}
.hero-ticks li::before{content:"";width:16px;height:16px;border-radius:50%;background:var(--mint-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.2l2.5 2.4L12 5.2' fill='none' stroke='%230A1424' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat;flex:none}
.hero-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));margin-top:2.6rem;border-top:1px solid var(--line-dark)}
.hero-strip div{padding:1.4rem 1.3rem 1.2rem;border-right:1px solid var(--line-dark)}
.hero-strip div:last-child{border-right:0}
.hero-strip b{display:block;font-family:var(--serif);font-size:clamp(1.9rem,3vw,2.5rem);color:#fff;line-height:1.1;font-weight:600}
.hero-strip span{font-size:.88rem;color:var(--on-dark-muted)}
.hero-source{font-size:.8rem;color:var(--on-dark-muted);margin:.6rem 0 0}
@media(max-width:700px){.hero-strip div{border-right:0;border-bottom:1px solid var(--line-dark)}}

/* Floating chip on calculator */
.calc-wrap{position:relative}
.float-chip{position:absolute;left:-28px;top:-22px;z-index:2;background:#fff;color:var(--ink);border-radius:16px;padding:.8rem 1rem;box-shadow:var(--shadow-lg);min-width:190px}
.float-chip b{display:block;font-family:var(--serif);font-size:1.6rem;line-height:1.1}
.float-chip span{font-size:.8rem;color:var(--muted)}
.float-chip i{display:flex;gap:4px;align-items:flex-end;height:22px;margin-top:.4rem}
.float-chip i em{display:block;width:16px;border-radius:3px;background:linear-gradient(var(--mint-2),var(--accent))}
@media(max-width:1100px){.float-chip{position:static;margin-bottom:.8rem;display:inline-block}}

/* ---------- Sections ---------- */
.section{padding:4rem 0}
.section-alt{background:var(--paper-2)}
.section-tight{padding:2.6rem 0}
.section-navy{background:var(--ink);color:var(--on-dark)}
.section-navy h2,.section-navy h3{color:#fff}
.section>.container>h2:first-child,.section>.container>.eyebrow+h2,.section .prose>.eyebrow+h2,.section .prose>h2:first-child{margin-top:.35em}
.prose{max-width:78ch}
.prose h2{scroll-margin-top:90px}
.section .prose>h2{margin-top:1.8em}
.grid{display:grid;gap:1.1rem}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{position:relative;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem 1.5rem 1.3rem;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.card-link:hover{transform:translateY(-3px);box-shadow:0 2px 4px rgba(10,20,36,.05),0 22px 44px -18px rgba(10,20,36,.28);border-color:#D4CFC3}
.card h3{margin:0 0 .45rem;font-size:1.14rem;color:var(--ink)}
.card p{color:var(--muted);font-size:.97rem}
.card .more{margin-top:auto;font-weight:800;text-decoration:none;color:var(--ink);font-size:.93rem}
.card .more::after{content:" \2192";transition:margin .2s}
.card-link:hover .more::after{margin-left:.25rem}
.card-link{text-decoration:none;color:inherit}
.ico{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--accent-soft);color:var(--accent);margin-bottom:1rem;flex:none}
.ico svg{width:22px;height:22px}
.card-feature{background:linear-gradient(160deg,var(--ink-3),var(--ink));border-color:var(--ink);color:var(--on-dark)}
.card-feature h3{color:#fff;font-family:var(--serif);font-size:1.6rem;font-weight:600}
.card-feature p{color:var(--on-dark-muted);font-size:1.02rem}
.card-feature .more{color:var(--mint)}
.card-feature .ico{background:rgba(110,231,183,.12);color:var(--mint)}
.card-feature .tags{list-style:none;padding:0;margin:.2rem 0 1.2rem;display:flex;flex-wrap:wrap;gap:.45rem}
.card-feature .tags li{margin:0;padding:.3rem .75rem;border-radius:999px;border:1px solid rgba(255,255,255,.16);font-size:.82rem;color:var(--on-dark)}
@media(min-width:900px){.bento{grid-template-columns:repeat(3,1fr)}.bento .card-feature{grid-column:span 2}}
.section-head{display:grid;gap:.4rem 3rem;margin-bottom:1.8rem}
@media(min-width:900px){.section-head{grid-template-columns:1.1fr 1fr;align-items:end}}
.section-head h2{margin:.3em 0 0}
.section-head p{margin:0;color:var(--muted)}

/* At a glance panel */
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:0;margin:1.4rem 0 0;padding:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.facts li{margin:0;padding:1.1rem 1.3rem;border-right:1px solid var(--line);border-bottom:1px solid var(--line);margin-right:-1px;margin-bottom:-1px}
.facts b{display:block;font-family:var(--serif);font-size:1.35rem;color:var(--ink);font-weight:600;line-height:1.2}
.facts span{display:block;font-size:.86rem;color:var(--muted);margin-top:.15rem}
.facts small{display:block;font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:.3rem}

/* Steps */
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:1.1rem;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.3rem 1.2rem;margin:0;position:relative;box-shadow:var(--shadow)}
.steps li::before{content:"0" counter(s);display:block;font-family:var(--serif);font-size:2.3rem;line-height:1;font-weight:600;color:var(--accent);margin-bottom:.6rem}
.steps h3{margin:.1rem 0 .35rem;font-size:1.06rem}
.steps p{margin:0;font-size:.95rem;color:var(--muted)}
.callout{background:var(--accent-soft);border:1px solid rgba(4,120,87,.22);border-radius:var(--radius-sm);padding:1.1rem 1.3rem;margin:1.3rem 0}
.callout-warn{background:#FFF8EB;border-color:#EBCB8B}
.callout p:last-child{margin:0}
.checklist,.crosslist{list-style:none;padding:0}
.checklist li,.crosslist li{padding-left:1.9rem;position:relative}
.checklist li::before{content:"";position:absolute;left:0;top:.32em;width:1.2rem;height:1.2rem;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.2l2.5 2.4L12 5.2' fill='none' stroke='%23fff' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat}
.crosslist li::before{content:"";position:absolute;left:0;top:.32em;width:1.2rem;height:1.2rem;border-radius:50%;background:#FDE8E8 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M5 5l6 6M11 5l-6 6' fill='none' stroke='%23B42318' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center/16px no-repeat}
.figure{margin:1.8rem 0;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem;box-shadow:var(--shadow)}
.figure img{border-radius:12px}
.figure figcaption{font-size:.86rem;color:var(--muted);margin-top:.7rem}
.chips{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0}
.chips li{margin:0}
.chips a,.chips span{display:inline-block;padding:.45rem .95rem;border-radius:999px;border:1px solid var(--line);background:#fff;text-decoration:none;font-size:.9rem;font-weight:700;color:var(--ink);transition:border-color .2s,background .2s}
.chips a:hover{border-color:var(--accent);background:var(--accent-soft)}
.small{font-size:.84rem;color:var(--muted)}

/* Tables */
.table-wrap{overflow-x:auto;margin:1.3rem 0 1.8rem;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:620px}
caption{caption-side:top;text-align:left;font-weight:800;padding:1rem 1.2rem .8rem;font-size:.9rem;color:var(--ink)}
th,td{padding:.85rem 1.2rem;border-top:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--paper-2);font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:800}
tbody th{font-weight:800;color:var(--ink)}
tbody tr:hover td,tbody tr:hover th{background:#FCFBF8}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:16px;background:#fff;margin:.7rem 0;padding:0;box-shadow:var(--shadow);transition:border-color .2s}
.faq details[open]{border-color:rgba(4,120,87,.35)}
.faq summary{cursor:pointer;list-style:none;padding:1.15rem 3.2rem 1.15rem 1.3rem;font-weight:700;position:relative;font-size:1.03rem;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:1.2rem;top:50%;width:26px;height:26px;margin-top:-13px;border-radius:50%;background:var(--accent-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M8 3.5v9M3.5 8h9' fill='none' stroke='%23047857' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .faq-a{padding:0 1.3rem 1.2rem;color:var(--text)}
.faq .faq-a p:last-child{margin:0}

/* Calculator */
.calc{position:relative;background:#fff;color:var(--text);border-radius:24px;box-shadow:var(--shadow-lg);padding:1.6rem;border:1px solid rgba(255,255,255,.6)}
.calc h2{margin:0 0 .25rem;font-size:1.5rem}
.calc label{display:block;font-weight:700;font-size:.88rem;margin:.9rem 0 .3rem;color:var(--ink)}
.calc select,.calc input[type=number]{width:100%;padding:.7rem .8rem;border:1px solid #C9CFD8;border-radius:12px;font:inherit;background:#fff;color:var(--ink)}
.calc select:focus,.calc input:focus{border-color:var(--accent);outline:3px solid rgba(4,120,87,.2)}
.calc-out{margin-top:1.1rem;background:linear-gradient(150deg,var(--ink-3),var(--ink));color:var(--on-dark);border-radius:16px;padding:1.1rem 1.2rem}
.calc-out .small{color:var(--on-dark-muted)}
.calc-out .big{font-family:var(--serif);font-size:2.3rem;font-weight:600;color:var(--mint);display:block;line-height:1.15}
.calc-out dl{display:grid;grid-template-columns:auto 1fr;gap:.3rem .9rem;margin:.7rem 0 0;font-size:.86rem}
.calc-out dt{color:var(--on-dark-muted)}.calc-out dd{margin:0;font-weight:700;text-align:right;color:#fff}
.calc .btn{width:100%;margin-top:.4rem}
.calc .btn-primary{color:var(--ink)}
.calc a:not(.btn){color:var(--accent)}

/* ---------- Lead band + form ---------- */
.lead-band{position:relative;overflow:hidden;background:var(--ink);color:var(--on-dark);padding:4.2rem 0;isolation:isolate}
.lead-band::before{content:"";position:absolute;z-index:-1;width:640px;height:640px;left:-200px;bottom:-320px;background:radial-gradient(circle,rgba(52,211,153,.16),transparent 62%)}
.lead-band h2{color:#fff;margin-top:.3em}
.lead-band a{color:var(--mint)}
.lead-band .form a{color:var(--accent)}
.lead-grid{display:grid;gap:2rem}
@media(min-width:900px){.lead-grid{grid-template-columns:1fr 1.1fr;align-items:start}}
.lead-band .checklist li::before{background-color:var(--mint-2);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.2l2.5 2.4L12 5.2' fill='none' stroke='%230A1424' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.form{background:#fff;color:var(--text);border-radius:24px;padding:1.6rem;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
.form h3{margin-top:0;font-family:var(--serif);font-size:1.45rem;font-weight:600}
.form .row{display:grid;gap:.85rem}
@media(min-width:600px){.form .row-2{grid-template-columns:1fr 1fr}}
.form label{display:block;font-weight:700;font-size:.88rem;margin:.8rem 0 .3rem;color:var(--ink)}
.form .opt{font-weight:400;color:var(--muted)}
.form input,.form select,.form textarea{width:100%;padding:.75rem .85rem;border:1px solid #A9B2BF;border-radius:12px;font:inherit;color:var(--ink);background:#fff}
.form textarea{min-height:110px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--accent);outline:3px solid rgba(4,120,87,.22);outline-offset:0}
.form .consent{display:flex;gap:.65rem;align-items:flex-start;font-size:.88rem;margin:1.1rem 0 .3rem;font-weight:400;color:var(--text)}
.form .consent input{width:18px;height:18px;margin-top:.2rem;flex:none;accent-color:var(--accent)}
.form .btn{width:100%;margin-top:1rem}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.form-status{margin-top:.8rem;font-size:.95rem}
.form-status.err{color:#B42318;font-weight:700}
.lead-band .small{color:var(--on-dark-muted)}

/* ---------- Related + footer ---------- */
.related{padding:3.4rem 0;background:var(--paper)}
.related h2{margin-top:0;font-size:1.6rem}
.site-footer{background:#060E1A;color:var(--on-dark-muted);font-size:.92rem;padding:3.4rem 0 1.6rem}
.site-footer h2{font-family:var(--sans);color:#fff;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.14em;margin:0 0 .9rem}
.site-footer a{color:var(--on-dark);text-decoration:none}
.site-footer a:hover{color:var(--mint);text-decoration:underline}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:.38rem 0}
.footer-grid{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}
.footer-brand{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:1rem 2.5rem;align-items:center;justify-content:space-between;padding-bottom:1.8rem;border-bottom:1px solid #1A2840;margin-bottom:.4rem}
.footer-brand p{margin:0;max-width:60ch}
.footer-brand .btn{color:var(--ink)}
.footer-brand .btn:hover{color:var(--ink);text-decoration:none}
.footer-base{border-top:1px solid #1A2840;margin-top:2.2rem;padding-top:1.3rem;display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;justify-content:space-between}
.footer-legal{font-size:.83rem;line-height:1.65;max-width:84ch;margin:0}
.footer-legal a,.site-footer p a{text-decoration:underline}
address{font-style:normal}



/* Sticky mobile CTA */
.mobile-cta{display:none}
@media(max-width:700px){.mobile-cta{display:block;position:sticky;bottom:0;z-index:40;background:rgba(10,20,36,.95);backdrop-filter:blur(8px);border-top:1px solid var(--line-dark);padding:.65rem 16px}.mobile-cta .btn{width:100%}}
.sitemap-list{columns:2 260px}
.sitemap-list li{break-inside:avoid}
.firm{border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.5rem;background:#fff;box-shadow:var(--shadow)}
.firm h3{margin:0 0 .4rem;font-family:var(--serif);font-size:1.4rem;font-weight:600}
.firm dt{font-weight:800;color:var(--ink)}
@media(min-width:900px){.bento .card-feature{grid-row:span 2}.facts{grid-template-columns:repeat(4,1fr)}}
.float-chip{left:-46px;top:auto;bottom:96px}
.card-feature h3{font-size:1.9rem}
.container.prose{max-width:var(--max)}
.container.prose>*{max-width:80ch}
.container.prose>.table-wrap,.container.prose>.figure,.container.prose>.steps,.container.prose>.grid,.container.prose>.callout{max-width:none}
@media(min-width:1000px){.footer-grid{grid-template-columns:repeat(6,1fr)}}
.side-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:24px;padding:1.6rem;box-shadow:var(--shadow-lg)}
.side-card h2{color:#fff;font-size:1.5rem;margin:0 0 .6rem}
.side-card p{color:var(--on-dark-muted);font-size:.95rem}
.side-card .hero-ticks{flex-direction:column;gap:.55rem;margin:1rem 0 1.3rem}
.side-card .btn{width:100%}
.side-card .panel-note{margin:1.1rem 0 0;padding-top:1rem;border-top:1px solid var(--line-dark);font-size:.86rem;color:var(--on-dark-muted)}
.side-card .panel-note b{color:#fff}
.reviews{margin-top:1.6rem}
.reviews h3{font-family:var(--serif);font-size:1.5rem;font-weight:600;margin:0 0 1rem}
.review{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow);display:flex;flex-direction:column}
.review .stars{color:#B7791F;letter-spacing:.15em;font-size:1rem;margin-bottom:.6rem}
.review blockquote{margin:0 0 1rem;font-size:.98rem;color:var(--text)}
.review blockquote p{margin:0}
.review figcaption{margin-top:auto;padding-top:.8rem;border-top:1px solid var(--line);font-size:.88rem}
.review figcaption b{display:block;color:var(--ink)}
.review figcaption span{color:var(--muted)}
.glossary{display:grid;grid-template-columns:minmax(140px,auto) 1fr;gap:.6rem 1.2rem;margin:1rem 0}
.glossary dt{font-weight:800;color:var(--ink)}
.glossary dd{margin:0;color:var(--text)}
@media(max-width:600px){.glossary{grid-template-columns:1fr}.glossary dd{margin-bottom:.4rem}}
.callout a{color:var(--accent-dark)}
.image-band{padding-top:3rem;padding-bottom:0}
.photo{margin:0;border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);background:var(--ink);position:relative}
.photo img{width:100%;height:auto;display:block;aspect-ratio:1456/821;object-fit:cover}
.photo figcaption{position:absolute;left:0;right:0;bottom:0;padding:2.4rem 1.4rem 1rem;font-size:.84rem;color:#E9EEF5;background:linear-gradient(transparent,rgba(10,20,36,.88))}
@media(max-width:600px){.photo figcaption{position:static;background:var(--ink);padding:.8rem 1rem}}
@media(min-width:900px){.photo img{aspect-ratio:16/6.5;object-position:center 55%}}

/* Consent banner */
.cookie{position:fixed;left:0;right:0;bottom:0;z-index:100;background:var(--ink);color:var(--on-dark);border-top:1px solid var(--line-dark);box-shadow:0 -18px 50px -20px rgba(0,0,0,.6);max-height:90vh;overflow:auto}
.cookie[hidden]{display:none}
.cookie-inner{max-width:var(--max);margin:0 auto;padding:1.2rem 16px;display:grid;gap:1rem}
@media(min-width:900px){.cookie-inner{grid-template-columns:1fr auto;align-items:center;padding:1.3rem 28px}}
.cookie h2{font-family:var(--sans);font-size:1.02rem;font-weight:800;color:#fff;margin:0 0 .35rem}
.cookie p{margin:0;font-size:.9rem;color:var(--on-dark-muted);max-width:80ch}
.cookie a{color:var(--mint)}
.cookie-actions{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center}
.cookie .btn{padding:.7rem 1.2rem;font-size:.93rem}
.btn-light-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-light-outline:hover{background:#fff;color:var(--ink)}
.btn-link{background:none;border:0;color:var(--mint);text-decoration:underline;padding:.7rem .4rem}
.btn-link:hover{color:#fff;transform:none}
.cookie-prefs{grid-column:1/-1;border-top:1px solid var(--line-dark);padding-top:1rem;display:grid;gap:.8rem}
.cookie-prefs[hidden]{display:none}
.pref{display:flex;justify-content:space-between;align-items:center;gap:1rem;background:rgba(255,255,255,.04);border:1px solid var(--line-dark);border-radius:14px;padding:.9rem 1rem}
.pref b{display:block;color:#fff;font-size:.95rem}
.pref span{display:block;font-size:.85rem;color:var(--on-dark-muted)}
.pref label{cursor:pointer;flex:1}
.pref .pref-on{font-weight:800;color:var(--mint);font-size:.82rem;white-space:nowrap}
.switch{appearance:none;-webkit-appearance:none;width:48px;height:28px;border-radius:999px;background:#3A4A63;position:relative;cursor:pointer;flex:none;transition:background .2s;margin:0}
.switch::after{content:"";position:absolute;top:3px;left:3px;width:22px;height:22px;border-radius:50%;background:#fff;transition:transform .2s}
.switch:checked{background:var(--mint-2)}
.switch:checked::after{transform:translateX(20px)}
.cookie-prefs .btn{justify-self:start}