:root{--navy:#082B63;--navy-2:#0d3a80;--navy-d:#051d44;--gold:#D4A12B;--gold-d:#9a7012;--gray:#F5F7FA;--line:#e3e8f0;--ink:#1a2233;--muted:#5b6578;--r:14px;--shadow:0 10px 30px rgba(8,43,99,.10);--serif:"Fraunces",Georgia,serif;--sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:400 17px/1.65 var(--sans);color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:var(--navy);text-underline-offset:3px}a:hover{color:var(--gold-d)}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;color:var(--navy);margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}h2{font-size:clamp(1.6rem,3vw,2.3rem)}h3{font-size:1.25rem}h4{font:600 .8rem var(--sans);letter-spacing:.12em;text-transform:uppercase;margin:0 0 .8em;color:var(--gold)}
p{margin:0 0 1em}.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.narrow{max-width:800px}.center{text-align:center}.muted{color:var(--muted)}
.eyebrow{font:600 .78rem var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-d);margin-bottom:.8em}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}.brand .mark{width:44px;height:33px;color:var(--navy)}
.brand b{display:block;font:600 1.15rem/1.1 var(--serif)}.brand small{display:block;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-d)}
.brand.light,.brand.light .mark,.brand.light b{color:#fff}.brand.light small{color:var(--gold)}
.links{display:flex;align-items:center;gap:22px}.links a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}.links a[aria-current]{color:var(--navy);box-shadow:inset 0 -2px var(--gold)}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer}.menu-btn span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:999px;font:600 1rem var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s}
.btn:hover{transform:translateY(-1px)}.btn.sm{padding:9px 18px;font-size:.9rem}.btn.full{width:100%}.btn:disabled{opacity:.6;cursor:wait}
.btn-gold{background:var(--gold);color:var(--navy-d)!important}.btn-gold:hover{background:#e0b03c;box-shadow:0 8px 20px rgba(212,161,43,.35)}
.btn-navy{background:var(--navy);color:#fff!important}.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{border-color:var(--navy);color:var(--navy)}.btn-outline-light{border-color:rgba(255,255,255,.6);color:#fff!important}.btn-outline-light:hover{background:rgba(255,255,255,.1)}
.hero,.page-hero{position:relative;background:linear-gradient(180deg,var(--navy-d),var(--navy));color:#fff;overflow:hidden}
.hero{padding:70px 0 110px}.page-hero{padding:56px 0 90px}.hero h1,.page-hero h1{color:#fff}.hero h1 em{font-style:normal;color:var(--gold)}.hero .eyebrow{color:var(--gold)}
.lead{font-size:1.15rem;color:rgba(255,255,255,.85);max-width:640px}.narrow .lead{margin:0 auto 1em}.peaks{position:absolute;left:0;right:0;bottom:0;width:100%;height:140px;pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;position:relative;z-index:1}.page-hero .wrap{position:relative;z-index:1}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0}
.trust{list-style:none;padding:0;margin:18px 0 0;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.92rem;color:rgba(255,255,255,.85)}
.trust li,.checks li{display:flex;gap:10px;align-items:flex-start}.ic{width:20px;height:20px;flex:none;color:var(--gold);margin-top:3px}
.byline{color:rgba(255,255,255,.7);font-size:.9rem}.crumbs{font-size:.85rem;color:rgba(255,255,255,.7);margin-bottom:14px}.crumbs a{color:rgba(255,255,255,.85)}
.section{padding:80px 0}.section.alt{background:var(--gray)}.section-head{max-width:720px;margin:0 auto 44px;text-align:center}.section-head p:last-child{color:var(--muted)}
.features,.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feature{padding:30px;border:1px solid var(--line);border-radius:var(--r);background:#fff}.feat-ic{width:42px;height:42px;color:var(--gold);margin-bottom:14px}.feature p{color:var(--muted);margin:0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.checks,.x{list-style:none;padding:0;margin:0 0 1.4em;display:grid;gap:10px}.x li::before{content:"–";color:var(--muted);margin-right:10px}
.steps ol{padding-left:1.2em;margin:0 0 1.4em}.steps li{margin-bottom:12px}
.table-wrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--line);background:#fff;margin-bottom:28px}
.compare{width:100%;border-collapse:collapse;min-width:560px}.compare th,.compare td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.compare thead th{background:var(--navy);color:#fff;font:600 1rem var(--serif)}.compare td:first-child{font-weight:600;color:var(--navy);width:24%}.compare tr:last-child td{border-bottom:0}
.author-band{display:grid;grid-template-columns:260px 1fr 200px;gap:48px;align-items:center}
.headshot{width:260px;height:300px;object-fit:cover;object-position:top;border-radius:var(--r);box-shadow:var(--shadow);border-bottom:4px solid var(--gold);background:var(--gray)}
.book img{border-radius:6px;box-shadow:0 16px 40px rgba(0,0,0,.25);transform:rotate(-2deg)}
.author{display:flex;gap:18px;align-items:flex-start;margin-top:40px}.author img{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:top;border:2px solid var(--gold);flex:none}.author p{margin:4px 0 0;font-size:.95rem}
.post-card{display:block;padding:28px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);background:#fff;transition:.2s}
.post-card:hover{box-shadow:var(--shadow);transform:translateY(-2px);color:var(--ink)}.post-card p{color:var(--muted);margin:0;font-size:.95rem}
.tag{display:inline-block;font:600 .72rem var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--gold-d);margin-bottom:10px}.tag.light{color:var(--gold)}
.faq-list{max-width:820px;margin:48px auto 0}.faq{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:18px 34px 18px 0;font-weight:600;color:var(--navy);position:relative}.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:14px;font-size:1.5rem;color:var(--gold)}.faq[open] summary::after{content:"–"}.faq p{color:var(--muted);padding-bottom:12px}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:56px;padding:60px 20px 80px}.article-grid>*,.split>*,.hero-grid>*{min-width:0}
.prose h2{margin-top:1.6em;font-size:1.7rem}.prose ul:not(.checks):not(.x),.prose ol{padding-left:1.3em}.prose li{margin-bottom:8px}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:24px}.pc h3{font-size:1.1rem}
.side{display:grid;gap:24px;align-self:start;position:sticky;top:96px}.toc,.related{display:grid;gap:8px;font-size:.92rem;padding:22px}.toc a,.related a{text-decoration:none}
.lead-form h3{margin-bottom:.3em}.lead-form .muted{font-size:.93rem}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
.lead-form label{display:grid;gap:6px;font-size:.85rem;font-weight:600;color:var(--navy)}.lead-form label.full{grid-column:1/-1}.opt{font-weight:400;color:var(--muted)}
.lead-form input,.lead-form select,.lead-form textarea{font:400 1rem var(--sans);padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);width:100%}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(8,43,99,.12)}
.lead-form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.76rem;line-height:1.45;color:var(--muted);margin-bottom:16px}.consent input{width:18px;height:18px;margin-top:2px;flex:none}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}.form-msg{margin:12px 0 0;font-size:.92rem;font-weight:600}.form-msg.err{color:#b42318}
.hero-form .lead-form{color:var(--ink)}.invalid{border-color:#d92d20!important}.contact-card{margin:28px 0}
.cta-band{background:var(--navy);color:#fff;padding:64px 0;border-top:4px solid var(--gold)}.cta-band h2{color:#fff}.cta-band p{color:rgba(255,255,255,.8);margin:0}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:32px}.cta-actions{display:flex;gap:12px;flex-wrap:wrap}
.site-footer{background:var(--navy-d);color:rgba(255,255,255,.75);padding:64px 0 100px;font-size:.92rem}.site-footer a{color:rgba(255,255,255,.85);text-decoration:none;display:block;margin-bottom:8px}.site-footer a:hover{color:var(--gold)}
.site-footer .brand{display:flex;margin-bottom:16px}.site-footer .muted{color:rgba(255,255,255,.6)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
.disclaimer{font-size:.75rem;line-height:1.6;color:rgba(255,255,255,.55);border-top:1px solid rgba(255,255,255,.1);padding-top:24px}.copy{font-size:.8rem;color:rgba(255,255,255,.55)}
.mobile-cta{display:none}
@media (max-width:1020px){.links{position:fixed;inset:72px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;padding:20px;gap:6px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);transform:translateY(-130%);transition:.25s;z-index:-1}
.links a{padding:12px 4px}.nav-open .links{transform:none}.menu-btn{display:block}
.hero-grid,.split,.article-grid{grid-template-columns:minmax(0,1fr)}.author-band{grid-template-columns:1fr}.book{max-width:200px}.side{position:static}.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:720px){body{font-size:16px}.section{padding:56px 0}.hero{padding:44px 0 90px}.features,.cards3,.pc,.grid2{grid-template-columns:1fr}.cta-inner{flex-direction:column;align-items:flex-start}
.headshot{width:100%;max-width:320px}.foot-grid{grid-template-columns:1fr}.card{padding:22px}
.mobile-cta{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);z-index:60}.mobile-cta .btn{padding:12px 16px}.mobile-cta .btn-gold{flex:1}}