@font-face{font-family:"Instrument Serif";src:url("/assets/fonts/InstrumentSerif-Regular.woff") format("woff");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Instrument Serif";src:url("/assets/fonts/InstrumentSerif-Italic.woff") format("woff");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Manrope";src:url("/assets/fonts/Manropewght.woff") format("woff");font-weight:200 800;font-style:normal;font-display:swap}
@scope (.kit-content) {
/* ═══════════════════════════════════════════════════════════════════════
   251Mortgage.com — Kit Noles · Editorial design system v2
   Midnight navy · ink blue · warm ivory · antique brass · warm gray · charcoal
   Instrument Serif (display) + Manrope (text). Self-hosted.
   ═══════════════════════════════════════════════════════════════════════ */




:scope{
  /* v4 palette — warm white, stone, champagne, brushed gold, charcoal (no navy) */
  --midnight:#26292E; --navy:#1F2227; --ink:#2E3238; --ink-2:#3A3F46;
  --ivory:#FAF8F4; --ivory-2:#F3EFE7; --paper:#FFFFFF; --white:#FFFFFF;
  --stone:#F1ECE3; --sand:#E9E1D3; --champagne:#EFE4CC;
  --brass:#B8935A; --brass-l:#D9C08A; --brass-d:#7E6230;
  --gold-grad:linear-gradient(115deg,#9E7A43 0%,#C9A766 22%,#EBD9AE 42%,#D4B679 58%,#B08A4F 78%,#9C7740 100%);
  --gold-brush:repeating-linear-gradient(90deg,rgba(255,255,255,.08) 0 1px,rgba(0,0,0,.035) 1px 2px,transparent 2px 4px);
  --gray:#8E877C; --gray-2:#66615A; --charcoal:#2C3036; --text:#22252A;
  --line:#E4DDD0; --line-2:#D6CDBC; --line-dark:rgba(126,98,48,.18);
  --ok:#2F6B4F; --warn:#8A5A12;
  --serif:"Instrument Serif", "Iowan Old Style", Georgia, serif;
  --sans:"Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  --wrap:1240px; --gut:clamp(20px,4.4vw,48px); --sec:clamp(80px,11vw,152px);
  --ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:100px}
html,body{overflow-x:clip}
body{margin:0;background:var(--ivory);color:var(--text);font:400 17px/1.7 var(--sans);text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--ink);text-decoration:underline;text-decoration-color:var(--brass);text-decoration-thickness:1px;text-underline-offset:4px;transition:color .25s var(--ease),text-decoration-color .25s}
a:hover{color:var(--brass-d)}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px}
::selection{background:var(--champagne);color:var(--navy)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;color:var(--navy);line-height:1.04;letter-spacing:-.018em;margin:0 0 .45em}
h1{font-size:clamp(2.9rem,6.6vw,6.2rem)}
h2{font-size:clamp(2.2rem,4.4vw,3.9rem)}
h3{font-size:clamp(1.45rem,2.1vw,1.9rem);line-height:1.12}
h1 em,h2 em,h3 em{font-style:italic;color:var(--brass-d)}
p{margin:0 0 1.1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.skip{position:absolute;left:-9999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:12px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.eyebrow{display:flex;align-items:center;gap:14px;font:600 .72rem/1.3 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d);margin:0 0 22px}
.eyebrow::before{content:"";width:34px;height:1px;background:var(--brass);flex:none}
.lede{font-size:clamp(1.08rem,1.45vw,1.24rem);line-height:1.65;color:var(--charcoal);max-width:60ch}
.muted{color:var(--gray-2)} .small{font-size:.86rem}

/* Buttons */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:52px;padding:14px 26px;font:600 .9rem/1 var(--sans);letter-spacing:.02em;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .3s var(--ease),color .3s var(--ease),border-color .3s var(--ease);white-space:nowrap;border-radius:0}
.btn .arr{display:inline-block;width:18px;height:10px;transition:transform .35s var(--ease)}
.btn:hover .arr{transform:translateX(5px)}
.btn .ext{width:12px;height:12px;opacity:.75}
.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-primary:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-brass{background:transparent;color:var(--navy);border-color:var(--brass)}
.btn-brass:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line-2)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn-light{background:transparent;color:#fff;border-color:rgba(232,220,194,.45)}
.btn-light:hover{background:var(--champagne);border-color:var(--champagne);color:var(--navy)}
.btn-solid-light{background:var(--champagne);color:var(--navy);border-color:var(--champagne)}
.btn-solid-light:hover{background:#fff;border-color:#fff;color:var(--navy)}
.tlink{display:inline-flex;align-items:center;gap:10px;font:600 .9rem/1.2 var(--sans);color:var(--navy);text-decoration:none;padding:6px 0;background:linear-gradient(var(--brass),var(--brass)) 0 100%/100% 1px no-repeat;transition:background-size .35s var(--ease),color .25s}
.tlink:hover{background-size:0 1px;background-position:100% 100%;color:var(--brass-d)}
.tlink .arr{width:16px;height:10px;transition:transform .35s var(--ease)}
.tlink:hover .arr{transform:translateX(4px)}
.on-dark .tlink,.tlink.light{color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:14px 18px;align-items:center}
.apply-note{font-size:.78rem;color:var(--gray-2);margin:14px 0 0;letter-spacing:.01em}
.on-dark .apply-note{color:rgba(246,243,236,.6)}

/* Header */
.site-header{position:sticky;top:0;z-index:60;background:rgba(246,243,236,.86);backdrop-filter:saturate(1.3) blur(14px);-webkit-backdrop-filter:saturate(1.3) blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,background .3s}
.site-header.scrolled{border-bottom-color:var(--line);background:rgba(246,243,236,.96)}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:24px;height:84px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--navy)}
.brand:hover{color:var(--navy)}
.mono{width:44px;height:44px;flex:none}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font:400 1.62rem/1 var(--serif);letter-spacing:-.01em}
.brand-sub{font:600 .6rem/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gray-2);margin-top:6px;white-space:nowrap}
.nav ul{display:flex;list-style:none;margin:0;padding:0;gap:2px}
.nav .nl{display:inline-flex;align-items:center;gap:6px;padding:10px 13px;font:600 .86rem/1 var(--sans);letter-spacing:.01em;color:var(--charcoal);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap;position:relative}
.nav .nl::after{content:"";position:absolute;left:13px;right:13px;bottom:4px;height:1px;background:var(--brass);transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}
.nav .nl:hover::after,.nav .nl[aria-current]::after,.has-menu.open>.nl::after{transform:scaleX(1)}
.nav .nl:hover{color:var(--navy)}
.chev{width:9px;height:9px;transition:transform .3s}
.has-menu{position:relative}
.menu{position:absolute;top:calc(100% + 14px);left:-24px;background:var(--paper);border:1px solid var(--line);box-shadow:0 30px 60px -20px rgba(11,23,38,.25);padding:30px 32px;display:grid;grid-template-columns:repeat(3,minmax(200px,1fr));gap:4px 36px;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .25s var(--ease),transform .25s var(--ease),visibility .25s;width:max-content;max-width:820px}
.has-menu:hover .menu,.has-menu:focus-within .menu,.has-menu.open .menu{opacity:1;visibility:visible;transform:none}
.has-menu.open .chev{transform:rotate(180deg)}
.menu h4{font:600 .66rem/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d);margin:6px 0 12px}
.menu a{display:block;padding:7px 0;color:var(--charcoal);text-decoration:none;font-size:.92rem}
.menu a:hover{color:var(--brass-d)}
.menu .menu-all{grid-column:1/-1;border-top:1px solid var(--line);margin-top:14px;padding-top:16px;font-weight:600;color:var(--navy)}
.hdr-cta{display:flex;align-items:center;gap:10px}
.hdr-cta .btn{min-height:44px;padding:11px 18px;font-size:.84rem}
.menu-toggle{display:none;width:48px;height:48px;border:1px solid var(--line-2);background:transparent;align-items:center;justify-content:center;cursor:pointer}
.menu-toggle span,.menu-toggle span::before,.menu-toggle span::after{display:block;width:20px;height:1.5px;background:var(--navy);position:relative;transition:transform .3s,background .3s}
.menu-toggle span::before,.menu-toggle span::after{content:"";position:absolute;left:0}
.menu-toggle span::before{top:-6px}.menu-toggle span::after{top:6px}
.menu-toggle[aria-expanded="true"] span{background:transparent}
.menu-toggle[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.menu-toggle[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}
.mobile-nav{display:none}
@media (max-width:1500px){.hdr-cta .btn-ghost{display:none}}
@media (max-width:1380px){.brand-sub{display:none}.nav .nl{padding:10px 10px}.nav .nl::after{left:10px;right:10px}}
@media (max-width:1100px){
  .nav,.hdr-cta .btn-ghost{display:none}
  .menu-toggle{display:inline-flex}
  .mobile-nav{display:block;position:fixed;inset:84px 0 0 0;background:var(--ivory);overflow-y:auto;padding:8px var(--gut) 120px;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .3s var(--ease),transform .3s var(--ease),visibility .3s}
  .mobile-nav.open{opacity:1;visibility:visible;transform:none}
  .mobile-nav ul{list-style:none;margin:0;padding:0}
  .mobile-nav>ul>li{border-bottom:1px solid var(--line)}
  .mobile-nav a{display:block;padding:18px 0;font:400 1.6rem/1.1 var(--serif);color:var(--navy);text-decoration:none}
  .mobile-nav details summary{list-style:none;display:flex;justify-content:space-between;align-items:center;padding:18px 0;font:400 1.6rem/1.1 var(--serif);color:var(--navy);cursor:pointer}
  .mobile-nav details summary::-webkit-details-marker{display:none}
  .mobile-nav details summary::after{content:"+";font:300 1.6rem var(--sans);color:var(--brass-d)}
  .mobile-nav details[open] summary::after{content:"–"}
  .mobile-nav details ul{padding:0 0 14px}
  .mobile-nav details a{font:500 1rem/1.3 var(--sans);padding:10px 0;color:var(--charcoal)}
  .mobile-nav .btn{width:100%;margin-top:14px}
  .mobile-nav .m-meta{margin-top:26px;font-size:.8rem;color:var(--gray-2);line-height:1.6}
  body.nav-open{overflow:hidden}
}
@media (max-width:560px){.hdr-cta .btn-primary{display:none}.brand-sub{display:none}.hdr{height:72px}.mobile-nav{inset:72px 0 0 0}.brand-name{font-size:1.45rem}}

/* Sections */
.sec{padding:var(--sec) 0;position:relative}
.sec-tight{padding:clamp(56px,7vw,96px) 0}
.sec-paper{background:var(--paper)}
.sec-dark{background:var(--midnight);color:rgba(246,243,236,.82)}
.sec-dark h2,.sec-dark h3,.sec-dark h4{color:#F6F3EC}
.sec-dark h2 em,.sec-dark h3 em{color:var(--brass-l)}
.sec-dark .eyebrow{color:var(--brass-l)}
.sec-dark a:not(.btn){color:#F6F3EC}
.sec-dark .form-card h3,.form-card h3{color:var(--navy)}
.sec-dark .form-card a:not(.btn){color:var(--ink)}
.sec-dark .lede{color:rgba(246,243,236,.78)}
.sec-head{max-width:820px;margin-bottom:clamp(44px,6vw,72px)}
.sec-head.split-head{max-width:none;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:end}
@media (max-width:860px){.sec-head.split-head{grid-template-columns:1fr}}

/* Hero */
.hero{position:relative;padding:clamp(36px,5vw,72px) 0 0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:0 clamp(16px,2.4vw,32px);align-items:end}
.hero-copy{grid-column:1/span 8;padding-bottom:clamp(36px,5vw,64px)}
.hero-art{grid-column:9/span 4;position:relative;padding-bottom:clamp(36px,5vw,64px)}
.hero h1{font-size:clamp(3.1rem,7.3vw,7.4rem);line-height:.98;letter-spacing:-.028em;margin:0 0 .38em}
.hero h1 .l{display:block}
.hero .lede{max-width:44ch;margin-bottom:38px}
.hero-actions{display:flex;flex-wrap:wrap;gap:16px 26px;align-items:center}
.coord{position:absolute;right:calc(100% + 18px);bottom:96px;writing-mode:vertical-rl;transform:rotate(180deg);font:600 .62rem/1 var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--gray);white-space:nowrap}
.portrait{position:relative;aspect-ratio:3/4;background:var(--navy);isolation:isolate}
.portrait::before{content:"";position:absolute;inset:0;transform:translate(16px,16px);border:1px solid var(--brass);z-index:-1;transition:transform .8s var(--ease)}
.portrait:hover::before{transform:translate(10px,10px)}
.portrait-in{position:absolute;inset:0;overflow:hidden;background:radial-gradient(120% 80% at 30% 20%,#25446A 0%,#132B47 45%,#0B1726 100%)}
.portrait-in img{width:100%;height:100%;object-fit:cover;transition:transform 1.4s var(--ease)}
.portrait:hover .portrait-in img{transform:scale(1.03)}
.portrait .ph{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:space-between;align-items:center;padding:22px;color:rgba(246,243,236,.6)}
.portrait .ph-mono{margin-top:26%;width:42%;opacity:.55}
.portrait .ph-note{font:600 .6rem/1.6 var(--sans);letter-spacing:.18em;text-transform:uppercase;text-align:center}
.caption{display:flex;justify-content:space-between;gap:12px;margin-top:34px;font-size:.76rem;color:var(--gray-2);border-top:1px solid var(--line);padding-top:12px}
.caption b{font:400 1.08rem/1.2 var(--serif);color:var(--navy);display:block}
.arc{position:absolute;right:-22%;top:-8%;width:90%;aspect-ratio:1;border:1px solid rgba(176,146,90,.3);border-radius:50%;z-index:-1;pointer-events:none}
.ledger{grid-column:1/-1;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2);margin:0}
.ledger div{padding:22px 24px 22px 0;border-right:1px solid var(--line)}
.ledger div:not(:first-child){padding-left:24px}
.ledger div:last-child{border-right:0}
.ledger dt{font:600 .6rem/1.2 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gray-2);margin-bottom:8px}
.ledger dd{margin:0;font:400 1.35rem/1.15 var(--serif);color:var(--navy)}
@media (max-width:1000px){.hero-copy{grid-column:1/-1}.hero-art{grid-column:1/-1;max-width:440px;width:100%}.coord,.arc{display:none}}
@media (max-width:760px){.ledger{grid-template-columns:1fr 1fr}.ledger div:nth-child(2){border-right:0}.ledger div:nth-child(3){padding-left:0}.ledger div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .hero h1{font-size:clamp(2.7rem,12.4vw,4.2rem)}.hero-art{max-width:none}.portrait{aspect-ratio:1/1.05}.ledger dd{font-size:1.15rem}}

/* Annual report */
.report{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,7vw,110px);align-items:start}
@media (max-width:900px){.report{grid-template-columns:1fr}}
.report>*{min-width:0}
.figures{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line-dark);margin:0}
.figures div{padding:30px 22px 30px 0;border-bottom:1px solid var(--line-dark)}
.figures div:nth-child(odd){border-right:1px solid var(--line-dark)}
.figures div:nth-child(even){padding-left:28px}
.figures dd{display:block;margin:0;font:400 clamp(2.9rem,6vw,5rem)/.95 var(--serif);color:#F6F3EC;letter-spacing:-.02em}
.figures dt{display:block;margin-top:12px;font-size:.84rem;line-height:1.5;color:rgba(246,243,236,.66);max-width:24ch;order:2}
.figures div{display:flex;flex-direction:column}
.fig-note{font-size:.72rem;color:rgba(246,243,236,.45);margin-top:16px}
.principles{list-style:none;margin:30px 0 0;padding:0}
.principles li{display:grid;grid-template-columns:44px 1fr;gap:8px;padding:16px 0;border-top:1px solid var(--line-dark);font-size:.98rem;color:rgba(246,243,236,.82)}
.principles li span{font:italic 400 1.15rem/1.4 var(--serif);color:var(--brass-l)}

/* Program browser */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 34px}
.filters button{border:1px solid var(--line-2);background:transparent;padding:11px 16px;font:600 .8rem/1 var(--sans);letter-spacing:.02em;color:var(--charcoal);cursor:pointer;transition:all .25s var(--ease)}
.filters button:hover{border-color:var(--navy)}
.filters button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.pbrowse{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:clamp(30px,4vw,60px);align-items:start}
@media (max-width:1060px){.pbrowse{grid-template-columns:1fr}}
.plist{list-style:none;margin:0;padding:0;border-top:1px solid var(--line-2)}
.plist li{border-bottom:1px solid var(--line)}
.plist li[hidden]{display:none}
.plist a{display:grid;grid-template-columns:54px minmax(0,1fr) auto;gap:6px 18px;align-items:baseline;padding:24px 4px;text-decoration:none;color:inherit;position:relative;transition:padding .45s var(--ease),background .45s}
.plist a::before{content:"";position:absolute;left:0;top:-1px;height:1px;width:0;background:var(--brass);transition:width .6s var(--ease)}
.plist a:hover{padding-left:14px;background:linear-gradient(90deg,rgba(255,255,255,.75),rgba(255,255,255,0))}
.plist a:hover::before{width:100%}
.plist .ix{font:italic 400 1rem/1 var(--serif);color:var(--brass-d)}
.plist .pn{font:400 clamp(1.55rem,2.3vw,2.05rem)/1.1 var(--serif);color:var(--navy);letter-spacing:-.01em}
.plist .pd{grid-column:2;font-size:.93rem;color:var(--gray-2);line-height:1.55;max-width:60ch}
.plist .pt{grid-column:3;grid-row:1/span 2;align-self:center;display:flex;align-items:center;gap:14px;font:600 .62rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gray)}
.plist .pt svg{width:22px;height:12px;color:var(--navy);transition:transform .4s var(--ease)}
.plist a:hover .pt svg{transform:translateX(6px)}
@media (max-width:640px){.plist a{grid-template-columns:34px minmax(0,1fr)}.plist .pt{grid-column:2;grid-row:auto;margin-top:8px}}
.feature-panel{background:var(--navy);color:rgba(246,243,236,.82);padding:clamp(28px,3.5vw,44px);position:sticky;top:110px}
.feature-panel h3{color:#F6F3EC;font-size:clamp(1.9rem,2.6vw,2.5rem)}
.feature-panel h3 em{color:var(--brass-l)}
.feature-panel .eyebrow{color:var(--brass-l)}
.feature-panel p{font-size:.95rem}
.feature-panel ul{list-style:none;margin:22px 0 26px;padding:0}
.feature-panel li a{display:flex;justify-content:space-between;gap:12px;padding:13px 0;border-top:1px solid var(--line-dark);color:#F6F3EC;text-decoration:none;font-size:.95rem}
.feature-panel li a:hover{color:var(--brass-l)}
.feature-panel li a span{color:var(--brass-l)}
.strategy-row{display:grid;grid-template-columns:200px 1fr;gap:20px;align-items:baseline;margin-top:56px;padding-top:28px;border-top:1px solid var(--line-2)}
@media (max-width:760px){.strategy-row{grid-template-columns:1fr}}
.strategy-row h4{font:600 .64rem/1.3 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gray-2);margin:0}
.chips{display:flex;flex-wrap:wrap;gap:8px 10px;list-style:none;margin:0;padding:0}
.chips a{display:inline-block;padding:9px 15px;border:1px solid var(--line-2);font-size:.86rem;color:var(--navy);text-decoration:none;transition:all .25s var(--ease)}
.chips a:hover{border-color:var(--navy);background:var(--navy);color:#fff}

/* Scenario pathways */
.paths{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line-2);border-left:1px solid var(--line)}
@media (max-width:1000px){.paths{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.paths{grid-template-columns:1fr}}
.paths a{display:flex;flex-direction:column;min-height:260px;padding:30px 28px 26px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-decoration:none;color:inherit;transition:background .45s var(--ease)}
.paths a:hover{background:var(--paper)}
.paths .who{font:600 .62rem/1.2 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d)}
.paths .go{margin-top:auto}
.paths h3{font-size:1.7rem;margin:44px 0 10px}
.paths p{font-size:.9rem;color:var(--gray-2);margin:0 0 18px;line-height:1.55}
.paths .go{font:600 .8rem/1 var(--sans);color:var(--navy);display:flex;align-items:center;gap:10px}
.paths .go svg{width:18px;height:10px;transition:transform .4s var(--ease)}
.paths a:hover .go svg{transform:translateX(6px)}
@media (max-width:560px){.paths a{min-height:0}.paths h3{margin-top:18px}}

/* Cell grid */
.grid{display:grid;gap:0;border-top:1px solid var(--line-2);border-left:1px solid var(--line)}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.grid>*{min-width:0}
.card{display:block;position:relative;padding:clamp(26px,3vw,36px);border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:transparent;color:inherit;text-decoration:none;transition:background .45s var(--ease)}
.card h3{margin:0 0 .45em}
.card p{color:var(--gray-2);font-size:.95rem;line-height:1.6}
a.card:hover{background:var(--paper)}
.card .tag{display:block;font:600 .62rem/1.3 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d);margin-bottom:22px}
.card .go{display:inline-flex;align-items:center;gap:10px;font:600 .82rem/1 var(--sans);color:var(--navy);margin-top:6px}
.card .go::after{content:"";width:18px;height:1px;background:currentColor;transition:width .4s var(--ease)}
a.card:hover .go::after{width:30px}
.card.feature{background:var(--navy);color:rgba(246,243,236,.8)}
.card.feature h3{color:#F6F3EC}.card.feature p{color:rgba(246,243,236,.7)}.card.feature .go{color:var(--brass-l)}.card.feature .tag{color:var(--brass-l)}
a.card.feature:hover{background:var(--ink)}
.icon{width:40px;height:40px;display:flex;align-items:center;justify-content:center;margin-bottom:22px;color:var(--brass-d);border:1px solid var(--brass-l);border-radius:50%}
.icon svg{width:18px;height:18px}

/* Split & lists */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,7vw,100px);align-items:start}
.split.wide-left{grid-template-columns:1.25fr .75fr}
@media (max-width:900px){.split,.split.wide-left{grid-template-columns:1fr}}
.split>*{min-width:0}
.numlist{list-style:none;margin:0;padding:0;counter-reset:n}
.numlist li{counter-increment:n;display:grid;grid-template-columns:64px 1fr;gap:16px;padding:26px 0;border-top:1px solid var(--line-dark)}
.numlist.light li{border-top-color:var(--line)}
.numlist li::before{content:counter(n,decimal-leading-zero);font:italic 400 1.6rem/1 var(--serif);color:var(--brass)}
.numlist h3{font-size:1.5rem;margin:0 0 8px}
.numlist p{margin:0;font-size:.95rem;opacity:.85}
.pill-list{display:flex;flex-wrap:wrap;gap:8px 10px;list-style:none;padding:0;margin:0}
.pill-list li a,.pill-list li span{display:inline-block;padding:9px 15px;border:1px solid var(--line-2);font-size:.88rem;color:var(--navy);text-decoration:none;transition:all .25s}
.pill-list li a:hover{border-color:var(--navy);background:var(--navy);color:#fff}
.stat{border-left:1px solid var(--brass);padding:2px 0 2px 18px}
.stat b{display:block;font:400 2.6rem/1 var(--serif);color:var(--navy)}
.stat span{font-size:.86rem;color:var(--gray-2)}

/* Areas index */
.areas{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line-2)}
@media (max-width:900px){.areas{grid-template-columns:1fr}}
.areas>div{padding:34px 30px 34px 0;border-right:1px solid var(--line);min-width:0}
.areas>div:not(:first-child){padding-left:30px}
.areas>div:last-child{border-right:0}
@media (max-width:900px){.areas>div{border-right:0;border-bottom:1px solid var(--line);padding-left:0!important}}
.areas .st{font:600 .62rem/1.2 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d)}
.areas h3{font-size:2.05rem;margin:14px 0 12px}
.areas h3 a{text-decoration:none;color:var(--navy)}
.areas h3 a:hover{color:var(--brass-d)}
.areas p{font-size:.93rem;color:var(--gray-2)}
.areas ul{list-style:none;margin:16px 0 18px;padding:0;columns:2;column-gap:20px}
.areas li{break-inside:avoid;padding:5px 0;font-size:.92rem}
.areas li a{text-decoration:none;color:var(--charcoal);border-bottom:1px solid transparent}
.areas li a:hover{border-bottom-color:var(--brass);color:var(--navy)}

/* Interior hero */
.page-hero{padding:clamp(34px,4vw,56px) 0 clamp(48px,6vw,80px);border-bottom:1px solid var(--line-2);position:relative}
.page-hero h1{max-width:17ch;font-size:clamp(2.7rem,5.6vw,5.2rem);line-height:1;letter-spacing:-.024em;margin-top:6px}
.page-hero .lede{margin-top:20px}
.crumbs{font-size:.78rem;color:var(--gray-2);margin-bottom:34px;letter-spacing:.02em}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0}
.crumbs li+li::before{content:"—";margin-right:8px;color:var(--line-2)}
.crumbs a{color:var(--gray-2);text-decoration:none}.crumbs a:hover{color:var(--navy)}
.meta-line{display:flex;flex-wrap:wrap;gap:6px 24px;font-size:.8rem;color:var(--gray-2);margin-top:30px}
.meta-line span{display:inline-flex;align-items:center;gap:10px}
.meta-line span+span::before{content:"";width:16px;height:1px;background:var(--brass)}
.glance{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));margin-top:44px;border-top:1px solid var(--line-2);border-left:1px solid var(--line)}
.glance div{padding:20px 22px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.glance dt{font:600 .6rem/1.3 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d);margin-bottom:8px}
.glance dd{margin:0;font-size:.95rem;color:var(--text);line-height:1.5}

/* Article layout */
.doc{display:grid;grid-template-columns:240px minmax(0,1fr);gap:clamp(36px,6vw,96px);padding:clamp(52px,7vw,96px) 0}
@media (max-width:1000px){.doc{grid-template-columns:1fr}.toc{display:none}}
.doc>*{min-width:0}
.toc{position:sticky;top:112px;align-self:start;font-size:.84rem}
.toc>p{font:600 .6rem/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d);margin-bottom:16px}
.toc ol{list-style:none;margin:0;padding:0;border-left:1px solid var(--line)}
.toc a{display:block;padding:7px 0 7px 16px;margin-left:-1px;border-left:1px solid transparent;color:var(--gray-2);text-decoration:none;line-height:1.4;transition:color .25s,border-color .25s}
.toc a:hover{color:var(--navy)}
.toc a.active{color:var(--navy);border-left-color:var(--brass)}
.toc-cta{margin-top:30px;padding-top:22px;border-top:1px solid var(--line)}
.toc-cta b{display:block;font:400 1.25rem/1.2 var(--serif);color:var(--navy);margin-bottom:14px}
.toc-cta .btn{width:100%;min-height:46px;font-size:.84rem;padding:12px 14px}
.prose{max-width:720px}
.prose>section{padding-bottom:22px;margin-bottom:48px;border-bottom:1px solid var(--line)}
.prose>section:last-of-type{border-bottom:0}
.prose h2{font-size:clamp(2rem,3.2vw,2.75rem);margin-top:0}
.prose h3{font-size:1.5rem;margin-top:1.6em}
.prose ul,.prose ol{padding-left:1.2em;margin:0 0 1.2em}
.prose li{margin-bottom:.5em}
.prose li::marker{color:var(--brass)}
.table-wrap{overflow-x:auto;margin:1.6em 0 1.8em;border-top:1px solid var(--navy);-webkit-overflow-scrolling:touch}
table.cmp{width:100%;border-collapse:collapse;font-size:.9rem;min-width:540px}
table.cmp th,table.cmp td{padding:14px 16px 14px 0;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
table.cmp thead th{font:600 .64rem/1.3 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--navy);padding-top:16px;border-bottom:1px solid var(--line-2)}
table.cmp tbody th{font:400 1.08rem/1.25 var(--serif);color:var(--navy);padding-right:20px}
table.cmp td{color:var(--charcoal)}
.callout{border-left:1px solid var(--brass);padding:4px 0 4px 24px;margin:1.6em 0}
.callout p:last-child{margin:0}
.callout strong{color:var(--navy)}
.callout.warn{border-left-color:var(--warn)}
.example{background:var(--paper);border:1px solid var(--line);padding:24px 28px;margin:1.6em 0}
.example-label{font:600 .6rem/1.3 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d);margin-bottom:14px}
.example p:last-child{margin:0}
.formula{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:14px;background:var(--navy);color:#F6F3EC;padding:30px 24px;margin:1.6em 0;font:400 1.5rem/1.2 var(--serif);text-align:center}
.formula span{border-bottom:1px solid var(--brass);padding:2px 4px}
ol.steps{list-style:none;padding:0;counter-reset:s}
ol.steps li{counter-increment:s;position:relative;padding:0 0 20px 54px;margin:0}
ol.steps li::before{content:counter(s,decimal-leading-zero);position:absolute;left:0;top:0;font:italic 400 1.3rem/1.2 var(--serif);color:var(--brass-d)}
ol.steps li strong{color:var(--navy)}
ul.checks{list-style:none;padding:0}
ul.checks li{position:relative;padding-left:30px}
ul.checks li::before{content:"";position:absolute;left:0;top:.8em;width:16px;height:1px;background:var(--brass)}
.perspective{background:var(--midnight);color:rgba(246,243,236,.82);padding:clamp(30px,4.5vw,56px);margin:10px 0 48px;position:relative;overflow:hidden}
.perspective::before{content:"\201C";position:absolute;right:26px;top:-14px;font:400 9rem/1 var(--serif);color:rgba(176,146,90,.26)}
.perspective h2{color:#F6F3EC}
.perspective .eyebrow{color:var(--brass-l)}
.perspective p{color:rgba(246,243,236,.82);font-size:1.04rem}
.perspective .sig{font:italic 400 1.6rem/1 var(--serif);color:var(--brass-l);margin:10px 0 0}
.notice{display:flex;gap:14px;align-items:flex-start;border:1px solid var(--line-2);background:var(--paper);padding:18px 20px;font-size:.88rem;color:var(--charcoal);margin:0 0 40px}
.notice svg{flex:none;width:18px;height:18px;margin-top:3px;color:var(--brass-d)}
.sources{font-size:.86rem}
.sources h2{font-size:1.6rem!important}
.sources ol{padding-left:1.2em}
.sources a{word-break:break-word}

/* FAQ */
.faq{border-top:1px solid var(--line-2)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 52px 22px 0;position:relative;font:400 1.32rem/1.3 var(--serif);color:var(--navy);transition:color .25s}
.faq summary:hover{color:var(--brass-d)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before,.faq summary::after{content:"";position:absolute;right:8px;top:50%;width:14px;height:1px;background:var(--brass-d);transition:transform .35s var(--ease)}
.faq summary::after{transform:rotate(90deg)}
.faq details[open] summary::after{transform:rotate(0)}
.faq .a{padding:0 0 22px;color:var(--charcoal);overflow:hidden}
.faq .a p:last-child{margin-bottom:0}
.faq-group{margin-bottom:64px;scroll-margin-top:110px}
.faq-group h2{font-size:2.1rem}
.faq-search{width:100%;padding:16px 18px 16px 48px;border:1px solid var(--line-2);border-radius:0;font:400 1rem var(--sans);background:var(--paper) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2376602F' stroke-width='1.6'%3E%3Ccircle cx='11' cy='11' r='7'/%3E%3Cpath d='M20 20l-3.5-3.5'/%3E%3C/svg%3E") 16px center/20px no-repeat}
.faq-search:focus{outline:none;border-color:var(--navy)}
.faq-count{font-size:.8rem;color:var(--gray-2);margin:10px 2px 0}

/* CTA band */
.cta-band{position:relative;background:var(--midnight);color:rgba(246,243,236,.78);padding:clamp(40px,6vw,80px);display:grid;grid-template-columns:1.3fr auto;gap:34px;align-items:end;overflow:hidden;isolation:isolate}
.cta-band::after{content:"";position:absolute;right:-12%;top:-60%;width:46%;aspect-ratio:1;border:1px solid rgba(176,146,90,.28);border-radius:50%;z-index:-1}
.cta-band h2{color:#F6F3EC;margin-bottom:.3em}
.cta-band h2 em{color:var(--brass-l)}
.cta-band p{margin:0;max-width:48ch}
@media (max-width:860px){.cta-band{grid-template-columns:1fr}}

/* Forms */
.form{display:grid;gap:18px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:620px){.row2{grid-template-columns:1fr}}
.form h3{font-size:2rem}
.field label{display:block;font:600 .72rem/1.3 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--charcoal);margin-bottom:8px}
.field .opt{font-weight:500;text-transform:none;letter-spacing:0;color:var(--gray)}
.field input,.field select,.field textarea{width:100%;min-height:52px;padding:13px 14px;border:1px solid var(--line-2);border-radius:0;font:400 1rem var(--sans);background:var(--white);color:var(--text);transition:border-color .25s,box-shadow .25s;-webkit-appearance:none;appearance:none}
.field select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 6'%3E%3Cpath d='M1 1l4 4 4-4' fill='none' stroke='%230F2238' stroke-width='1.3'/%3E%3C/svg%3E") right 14px center/10px no-repeat;padding-right:36px}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(176,146,90,.22)}
.field .err{display:none;color:#9B3426;font-size:.82rem;margin-top:6px}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:#9B3426}
.field.invalid .err{display:block}
.consent{font-size:.8rem;color:var(--gray-2);line-height:1.55}
.consent label{display:flex;gap:12px;align-items:flex-start;color:var(--charcoal);font-size:.84rem}
.consent input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--navy)}
.consent .err{display:none}
.consent.invalid .err{display:block}
.hp{position:absolute!important;left:-9999px!important}
.form-status{padding:14px 16px;font-size:.9rem;display:none}
.form-status.show{display:block}
.form-status.info{background:#FBF4E3;border:1px solid #E5D3A6;color:#5E4A1E}
.form-status.ok{background:#EEF6F1;border:1px solid #BFDCCB;color:var(--ok)}
.form-card{background:var(--paper);border:1px solid var(--line);padding:clamp(24px,4vw,44px)}

/* Calculators */
.calc{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);border:1px solid var(--line-2);background:var(--paper)}
@media (max-width:920px){.calc{grid-template-columns:1fr}}
.calc>*{min-width:0}
.calc-in{padding:clamp(24px,3.6vw,44px);display:grid;gap:20px;align-content:start}
.calc-out{background:var(--midnight);color:rgba(246,243,236,.8);padding:clamp(24px,3.6vw,44px)}
.calc-out h2,.calc-out h3{color:#F6F3EC}
.calc input{font-variant-numeric:tabular-nums}
.inwrap{position:relative}
.inwrap .pre,.inwrap .suf{position:absolute;top:50%;transform:translateY(-50%);color:var(--gray-2);font-size:.95rem;pointer-events:none}
.inwrap .pre{left:14px}.inwrap .suf{right:14px}
.inwrap input.has-pre{padding-left:30px}.inwrap input.has-suf{padding-right:40px}
.hint{font-size:.76rem;color:var(--gray-2);margin:6px 0 0}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:26px;background:transparent;margin:6px 0 0;padding:0;min-height:0;border:0;box-shadow:none!important}
input[type=range]::-webkit-slider-runnable-track{height:2px;background:linear-gradient(90deg,var(--navy) var(--p,0%),var(--line-2) var(--p,0%))}
input[type=range]::-moz-range-track{height:2px;background:var(--line-2)}
input[type=range]::-moz-range-progress{height:2px;background:var(--navy)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--paper);border:1.5px solid var(--navy);margin-top:-8px;cursor:pointer;transition:transform .2s}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--paper);border:1.5px solid var(--navy);cursor:pointer}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.15)}
.big-out{font:400 clamp(3rem,6vw,4.6rem)/1 var(--serif);color:#F6F3EC;margin:10px 0 6px;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.out-label{font:600 .6rem/1.3 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-l)}
.out-rows{margin:26px 0 0;padding:0;list-style:none}
.out-rows li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-top:1px solid var(--line-dark);font-size:.9rem;font-variant-numeric:tabular-nums}
.out-rows li b{color:#F6F3EC;font-weight:600;white-space:nowrap}
.out-note{font-size:.76rem;color:rgba(246,243,236,.5);margin-top:22px;line-height:1.55}
.bar{height:6px;background:rgba(246,243,236,.1);overflow:hidden;display:flex;margin-top:20px}
.bar i{display:block;height:100%;transition:width .5s var(--ease)}
.legend{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:12px;font-size:.74rem;color:rgba(246,243,236,.7)}
.legend span{display:inline-flex;align-items:center;gap:7px}
.legend i{width:9px;height:9px;display:inline-block}
.chart{margin-top:26px}
.chart svg{width:100%;height:auto;overflow:visible}
.calc-table{width:100%;border-collapse:collapse;font-size:.86rem;margin-top:18px;font-variant-numeric:tabular-nums}
.calc-table th,.calc-table td{padding:10px 6px;border-top:1px solid var(--line-dark);text-align:right}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table thead th{color:var(--brass-l);font:600 .58rem/1.2 var(--sans);letter-spacing:.14em;text-transform:uppercase;border-top:0}
.verdict{display:inline-block;padding:7px 12px;font:600 .68rem/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;margin-top:10px;border:1px solid}
.v-good{color:#9FD3B5;border-color:rgba(159,211,181,.5)}.v-mid{color:var(--brass-l);border-color:rgba(217,199,160,.5)}.v-low{color:#F0A898;border-color:rgba(240,168,152,.5)}
.chk{display:flex!important;gap:10px;align-items:center;font:500 .9rem var(--sans)!important;color:var(--charcoal)!important;text-transform:none!important;letter-spacing:0!important}
.chk input{width:18px;height:18px;min-height:0;accent-color:var(--navy)}

/* Directory */
.dir-cat{margin-bottom:64px;scroll-margin-top:110px}
.dir-cat h2{font-size:2.4rem;display:flex;align-items:baseline;gap:16px;flex-wrap:wrap}
.dir-cat h2 small{font:600 .64rem var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gray)}
.dir-list{display:grid;grid-template-columns:repeat(2,1fr);gap:0 44px;list-style:none;margin:20px 0 0;padding:0}
@media (max-width:760px){.dir-list{grid-template-columns:1fr}}
.dir-list li{padding:18px 0;border-top:1px solid var(--line)}
.dir-list b{display:block;font:400 1.3rem/1.25 var(--serif);color:var(--navy)}
.dir-list span{font-size:.9rem;color:var(--gray-2)}
.dir-list a{text-decoration:none}
.dir-list a:hover b{color:var(--brass-d)}
.dir-list .deep{font:600 .56rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brass-d);border:1px solid var(--brass-l);padding:4px 7px;margin-left:10px;vertical-align:4px}

/* Footer */
.site-footer{background:var(--midnight);color:rgba(246,243,236,.62);padding:clamp(72px,9vw,120px) 0 36px;font-size:.88rem}
.site-footer a:not(.btn){color:rgba(246,243,236,.86);text-decoration:none}
.site-footer a:not(.btn):hover{color:var(--brass-l)}
.ft-top{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:end;padding-bottom:56px;border-bottom:1px solid var(--line-dark);margin-bottom:56px}
@media (max-width:860px){.ft-top{grid-template-columns:1fr}}
.ft-top h2{color:#F6F3EC;font-size:clamp(2.4rem,5vw,4.4rem);margin:0}
.ft-contact{display:flex;flex-direction:column;gap:6px;align-items:flex-start}
.ft-contact>a{font:400 1.6rem/1.2 var(--serif)!important;color:#F6F3EC!important}
.ft-top h2 em{color:var(--brass-l)}
.ft-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px}
@media (max-width:900px){.ft-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.ft-grid{grid-template-columns:1fr}}
.site-footer h4{font:600 .6rem/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-l);margin:4px 0 18px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:10px}
.ft-brand .brand{color:#F6F3EC;margin-bottom:20px}
.ft-brand .brand-sub{color:rgba(246,243,236,.5)}
.ft-legal{border-top:1px solid var(--line-dark);margin-top:56px;padding-top:28px;font-size:.76rem;line-height:1.7;color:rgba(246,243,236,.55)}
.ft-legal p{margin:0 0 12px}
.ft-legal strong{color:rgba(246,243,236,.8);font-weight:600}
.eho{display:inline-flex;align-items:center;gap:10px;color:rgba(246,243,236,.86);font-weight:600;letter-spacing:.04em}
.eho svg{width:26px;height:26px}

/* Sticky mobile CTA */
.m-cta{display:none}
@media (max-width:760px){
  .m-cta{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:55;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(246,243,236,.96);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .4s var(--ease)}
  .m-cta.show{transform:none}
  .m-cta .btn{min-height:48px;padding:10px 12px;font-size:.84rem;white-space:nowrap}
  .site-footer{padding-bottom:110px}
}

/* Reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity 1s var(--ease),transform 1s var(--ease)}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}

/* Review markers (preview build only) */
.pending{outline:1px dashed #C9962E;outline-offset:6px;position:relative}
.badge-pending{display:inline-block;background:#FFF1D0;color:#6E4C0E;border:1px solid #E9C979;font:700 .6rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;padding:5px 8px;margin-bottom:10px}
.kv{display:grid;grid-template-columns:auto 1fr;gap:10px 24px;font-size:.94rem;margin:0}
.kv dt{font:600 .64rem/1.9 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gray-2)}
.kv dd{margin:0;color:var(--charcoal)}
@media (max-width:560px){.btn{white-space:normal;text-align:center}}
@media print{.site-header,.site-footer,.toc,.cta-band,.mobile-nav,.m-cta{display:none!important}body{background:#fff}}
.consent label{text-transform:none!important;letter-spacing:0!important;font:400 .84rem/1.55 var(--sans)!important;color:var(--charcoal)!important}
.consent input[type=checkbox]{min-height:0;width:18px;height:18px;padding:0;-webkit-appearance:auto;appearance:auto;border:0;box-shadow:none}
.chk input[type=checkbox]{min-height:0;padding:0;-webkit-appearance:auto;appearance:auto;width:18px;height:18px;box-shadow:none}

/* ═══ v3 — art direction layer ═══ */
/* Paper grain texture */
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:100;opacity:.035;mix-blend-mode:multiply;
 background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 .9 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
/* Architectural column rules */
.cols{position:absolute;inset:0;pointer-events:none;z-index:-1}
.cols::before{content:"";position:absolute;inset:0 var(--gut);max-width:calc(var(--wrap) - 2*var(--gut));margin:0 auto;
 background:linear-gradient(90deg,var(--line) 1px,transparent 1px) 0 0/calc(100%/6) 100%;opacity:.55;
 -webkit-mask-image:linear-gradient(180deg,transparent,#000 18%,#000 70%,transparent);mask-image:linear-gradient(180deg,transparent,#000 18%,#000 70%,transparent)}
.sec-dark .cols::before{background:linear-gradient(90deg,rgba(232,220,194,.07) 1px,transparent 1px) 0 0/calc(100%/6) 100%}

/* Hero v3 */
.hero{isolation:isolate}
.hero .l{overflow:hidden;padding-bottom:.06em;margin-bottom:-.06em}
.hero .l>span{display:inline-block;transform:translateY(105%);transition:transform 1.1s var(--ease)}
.hero.ready .l>span{transform:none}
.hero .l:nth-child(2)>span{transition-delay:.08s}.hero .l:nth-child(3)>span{transition-delay:.18s}.hero .l:nth-child(4)>span{transition-delay:.26s}.hero .l:nth-child(5)>span{transition-delay:.34s}
.hero .fade-up{opacity:0;transform:translateY(14px);transition:opacity 1s var(--ease) .5s,transform 1s var(--ease) .5s}
.hero.ready .fade-up{opacity:1;transform:none}
.hero-art .portrait{transform:translateY(var(--py,0));transition:transform .1s linear}
.portrait-in picture,.portrait-in img{display:block;width:100%;height:100%}
.portrait-in img{object-fit:cover;object-position:50% 30%;transform:scale(1.06) translateY(var(--iy,0));transition:transform .1s linear}
.plate{position:absolute;left:-34px;bottom:96px;background:var(--paper);border:1px solid var(--line);padding:16px 20px 14px;box-shadow:0 24px 50px -24px rgba(11,23,38,.35);z-index:2;min-width:220px}
.plate b{display:block;font:400 1.35rem/1.05 var(--serif);color:var(--navy)}
.plate span{display:block;font:600 .58rem/1.4 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gray-2);margin-top:6px}
.plate i{display:block;width:28px;height:1px;background:var(--brass);margin:10px 0 0}
@media (max-width:1000px){.plate{left:16px;bottom:18px}}
@media (prefers-reduced-motion:reduce){.hero .l>span,.hero .fade-up{transform:none!important;opacity:1!important}}

/* Metrics band */
.metrics{display:grid;grid-template-columns:repeat(4,1fr);margin:0}
.metrics>div{padding:8px 28px 8px 0;border-right:1px solid var(--line-dark);display:flex;flex-direction:column}
.metrics>div:not(:first-child){padding-left:28px}
.metrics>div:last-child{border-right:0}
.metrics dd{order:1;margin:0;font:400 clamp(3.2rem,6.4vw,5.8rem)/.92 var(--serif);color:#F6F3EC;letter-spacing:-.025em;font-variant-numeric:lining-nums tabular-nums;white-space:nowrap}
.metrics dd sup{font-size:.4em;vertical-align:1.1em;color:var(--brass-l);margin-left:3px}
.metrics dt{order:2;margin-top:16px;font-size:.84rem;line-height:1.5;color:rgba(246,243,236,.66);max-width:22ch}
@media (max-width:900px){.metrics{grid-template-columns:1fr 1fr;row-gap:36px}.metrics>div:nth-child(2){border-right:0}.metrics>div:nth-child(3){padding-left:0}}
.metrics-head{display:flex;justify-content:space-between;align-items:baseline;gap:20px;flex-wrap:wrap;margin-bottom:48px;padding-bottom:22px;border-bottom:1px solid var(--line-dark)}
.metrics-head p{margin:0;font:400 clamp(1.5rem,2.4vw,2.1rem)/1.2 var(--serif);color:#F6F3EC;max-width:28ch}
.metrics-head p em{color:var(--brass-l)}
.metrics-head small{font-size:.74rem;color:rgba(246,243,236,.5);max-width:40ch}

/* Meet Kit — magazine spread */
.spread{display:grid;grid-template-columns:5fr 7fr;gap:clamp(36px,6vw,96px);align-items:start}
@media (max-width:960px){.spread{grid-template-columns:1fr}}
.spread>*{min-width:0}
.spread figure{margin:0;position:sticky;top:120px}
.spread .photo{position:relative;aspect-ratio:4/5;overflow:hidden;background:var(--navy)}
.spread .photo img{width:100%;height:100%;object-fit:cover;object-position:50% 25%;transform:scale(1.04) translateY(var(--iy,0));transition:transform .1s linear}
.spread figcaption{display:flex;justify-content:space-between;font-size:.74rem;color:var(--gray-2);margin-top:12px;padding-top:10px;border-top:1px solid var(--line)}
.pull{font:italic 400 clamp(2rem,3.8vw,3.4rem)/1.08 var(--serif);color:var(--navy);letter-spacing:-.015em;margin:0 0 34px;padding-left:0;position:relative}
.pull::before{content:"\201C";position:absolute;left:-.5em;top:-.08em;color:var(--brass);font-style:normal}
@media (max-width:640px){.pull::before{position:static;margin-right:.08em}}
.pull-attr{font:600 .62rem/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d);margin:-14px 0 40px}
.dropcap::first-letter{float:left;font:400 4.6em/.78 var(--serif);color:var(--navy);margin:.06em .1em 0 0}
.cols2{columns:2;column-gap:44px}
@media (max-width:700px){.cols2{columns:1}}
.cols2 p{break-inside:avoid}
.commit{list-style:none;margin:40px 0 0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));border-top:1px solid var(--line-2)}
.commit li{padding:22px 22px 22px 0;border-bottom:1px solid var(--line)}
.commit b{display:block;font:400 1.35rem/1.15 var(--serif);color:var(--navy);margin-bottom:6px}
.commit b span{font-style:italic;color:var(--brass-d);margin-right:8px;font-size:1rem}
.commit p{margin:0;font-size:.9rem;color:var(--gray-2);line-height:1.55}

/* Pathways v3 (I'm …) */
.paths h3{font-size:1.6rem}
.paths h3 .im{display:block;font:italic 400 1.05rem/1 var(--serif);color:var(--brass-d);margin-bottom:6px}

/* Testimonials */
.quotes{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));border-top:1px solid var(--line-2)}
.quotes blockquote{margin:0;padding:36px 32px 32px 0;border-bottom:1px solid var(--line)}
.quotes blockquote p{font:400 1.45rem/1.3 var(--serif);color:var(--navy)}
.quotes cite{font:600 .66rem/1.4 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gray-2);font-style:normal}
.quote-empty{border:1px dashed var(--line-2);padding:40px;text-align:center;color:var(--gray-2)}

/* Final CTA */
.finale{position:relative;background:var(--midnight);color:rgba(246,243,236,.8);overflow:hidden;isolation:isolate}
.finale h2{color:#F6F3EC;font-size:clamp(2.8rem,6.4vw,6rem);line-height:.98;letter-spacing:-.025em;max-width:14ch;margin-bottom:.4em}
.finale h2 em{color:var(--brass-l)}
.finale .arc2{position:absolute;right:-10%;top:-30%;width:60%;aspect-ratio:1;border:1px solid rgba(176,146,90,.25);border-radius:50%;z-index:-1}
.finale .arc2::after{content:"";position:absolute;inset:12%;border:1px solid rgba(176,146,90,.14);border-radius:50%}
.choices{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line-dark);margin-top:56px}
@media (max-width:760px){.choices{grid-template-columns:1fr}}
.choices>div{padding:34px 34px 34px 0;border-right:1px solid var(--line-dark)}
.choices>div:last-child{border-right:0;padding-left:34px}
@media (max-width:760px){.choices>div{border-right:0;border-bottom:1px solid var(--line-dark);padding-left:0!important}}
.choices h3{color:#F6F3EC;font-size:1.9rem}
.choices p{font-size:.95rem;color:rgba(246,243,236,.7)}
.choices .contact-lines a{display:block;font:400 1.5rem/1.35 var(--serif);color:#F6F3EC;text-decoration:none}
.choices .contact-lines a:hover{color:var(--brass-l)}
.sig2{font:italic 400 1.8rem/1 var(--serif);color:var(--brass-l);margin-top:30px}

/* Resource center */
.res-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line-2);border-left:1px solid var(--line)}
@media (max-width:900px){.res-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.res-grid{grid-template-columns:1fr}}
.res-grid a{display:flex;flex-direction:column;gap:8px;padding:28px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-decoration:none;color:inherit;min-height:190px;transition:background .45s var(--ease)}
.res-grid a:hover{background:var(--paper)}
.res-grid .k{font:600 .6rem/1.2 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--brass-d)}
.res-grid h3{font-size:1.5rem;margin:6px 0 0}
.res-grid p{font-size:.9rem;color:var(--gray-2);margin:0}
.res-grid .go{margin-top:auto;font:600 .8rem/1 var(--sans);color:var(--navy);display:flex;gap:10px;align-items:center}

/* Glossary */
dl.glossary{margin:0}
dl.glossary dt{font:400 1.35rem/1.2 var(--serif);color:var(--navy);padding-top:20px;border-top:1px solid var(--line);scroll-margin-top:110px}
dl.glossary dd{margin:6px 0 18px;color:var(--charcoal);font-size:.97rem}
.az{display:flex;flex-wrap:wrap;gap:6px;margin:26px 0 0}
.az a{padding:8px 12px;border:1px solid var(--line-2);text-decoration:none;font:600 .78rem var(--sans);color:var(--navy)}
.az a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.city-index{columns:3;column-gap:30px;list-style:none;padding:0;margin:0}
@media (max-width:760px){.city-index{columns:2}}
.city-index li{break-inside:avoid;padding:14px 0;border-top:1px solid var(--line)}
.city-index a{text-decoration:none;font:400 1.35rem/1.2 var(--serif);color:var(--navy)}
.city-index span{display:block;font-size:.84rem;color:var(--gray-2);margin-top:4px;line-height:1.45}
.ft-top[hidden]{display:none}
.hero-grid{align-items:center}
.hero h1{font-size:clamp(3rem,6.6vw,6.5rem)}
.hero-art{padding-top:24px}
@media (max-width:760px){.cols{display:none}.eyebrow .co{display:none}}
.finale .cols::before{background:linear-gradient(90deg,rgba(232,220,194,.06) 1px,transparent 1px) 0 0/calc(100%/6) 100%}
.finale .eyebrow::before{background:var(--brass)}
.toc .toc-cta .btn{color:#fff;padding:12px 14px;margin:0;border:1px solid var(--navy);display:flex;gap:10px;white-space:nowrap}
.toc .toc-cta .btn:hover{color:#fff}
.toc .toc-cta .apply-note a{display:inline;padding:0;border:0;margin:0;color:var(--ink)}


/* ═══ v4 — light, elevated palette with brushed gold ═══ */
h1,h2,h3,h4{color:var(--navy)}
h1 em,h2 em,h3 em{color:var(--brass-d);font-style:italic}
.gold-text,.hero h1 em{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent;-webkit-text-fill-color:transparent;filter:saturate(1.05)}
.hero h1 em{background-image:linear-gradient(115deg,#8C6A36 0%,#B48F52 30%,#C9A86A 48%,#9F7B44 70%,#86652F 100%)}
::selection{background:#EADBB8;color:var(--navy)}
a{color:var(--ink);text-decoration-color:var(--brass)}
/* Buttons: brushed gold primary, charcoal outline secondary */
.btn-primary{background:var(--gold-brush),var(--gold-grad);background-size:auto,200% 100%;background-position:0 0,0 0;color:#2A2216;border-color:#B8935A;box-shadow:inset 0 1px 0 rgba(255,255,255,.45),0 8px 22px -12px rgba(126,98,48,.6);transition:background-position .8s var(--ease),box-shadow .3s,color .3s}
.btn-primary:hover{background-position:0 0,100% 0;color:#1C160C;border-color:#A9854D;box-shadow:inset 0 1px 0 rgba(255,255,255,.55),0 12px 28px -12px rgba(126,98,48,.7)}
.btn-brass{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-brass:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-ghost{border-color:var(--line-2);color:var(--navy)}
.btn-solid-light{background:var(--gold-brush),var(--gold-grad);background-size:auto,200% 100%;color:#2A2216;border-color:#B8935A;box-shadow:inset 0 1px 0 rgba(255,255,255,.45)}
.btn-solid-light:hover{background-position:0 0,100% 0;color:#1C160C}
.btn-light{color:var(--navy);border-color:var(--navy);background:transparent}
.btn-light:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.on-dark .tlink,.tlink.light{color:var(--navy)}
.on-dark .apply-note{color:var(--gray-2)}
.eyebrow{color:var(--brass-d)}
.eyebrow::before{background:var(--gold-grad)}
/* Header */
.site-header{background:rgba(250,248,244,.82)}
.site-header.scrolled{background:rgba(250,248,244,.95)}
.mono circle:first-child{stroke:var(--navy)}
/* Dark sections become champagne/stone */
.sec-dark{background:linear-gradient(180deg,#F4EDE0,#EFE6D5);color:var(--charcoal)}
.sec-dark h2,.sec-dark h3,.sec-dark h4{color:var(--navy)}
.sec-dark h2 em,.sec-dark h3 em{color:var(--brass-d)}
.sec-dark .eyebrow{color:var(--brass-d)}
.sec-dark a:not(.btn){color:var(--ink)}
.sec-dark .lede{color:var(--charcoal)}
.sec-dark .cols::before{background:linear-gradient(90deg,rgba(126,98,48,.10) 1px,transparent 1px) 0 0/calc(100%/6) 100%}
/* Metrics */
.metrics>div{border-right-color:rgba(126,98,48,.22)}
.metrics dd{color:transparent;background:linear-gradient(115deg,#8C6A36 0%,#B48F52 30%,#D2B377 48%,#A07C45 70%,#86652F 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.metrics dd sup{color:var(--brass-d);-webkit-text-fill-color:var(--brass-d)}
.metrics dt{color:var(--gray-2)}
.metrics-head{border-bottom-color:rgba(126,98,48,.22)}
.metrics-head p{color:var(--navy)}
.metrics-head p em{color:var(--brass-d)}
.metrics-head small{color:var(--gray-2)}
.figures{border-top-color:rgba(126,98,48,.22)}
.figures div,.figures div:nth-child(odd){border-color:rgba(126,98,48,.22)}
.figures dd{color:var(--navy)}
.figures dt{color:var(--gray-2)}
.fig-note{color:var(--gray-2)}
.principles li{border-top-color:rgba(126,98,48,.2);color:var(--charcoal)}
.principles li span{color:var(--brass-d)}
/* Portrait frame & plate */
.portrait{background:var(--sand)}
.portrait::before{border-color:#C9A86A}
.portrait-in{background:linear-gradient(160deg,#E7DFD1,#D5CAB7)}
.arc,.finale .arc2,.cta-band::after{border-color:rgba(184,147,90,.35)}
.plate i{background:var(--gold-grad);height:2px}
.spread .photo{background:var(--sand)}
/* Feature panel, perspective, CTA band, calculators, cards */
.feature-panel{background:linear-gradient(160deg,#F6EFE2,#EDE3D0);color:var(--charcoal);border:1px solid rgba(184,147,90,.35)}
.feature-panel h3{color:var(--navy)}.feature-panel h3 em{color:var(--brass-d)}
.feature-panel .eyebrow{color:var(--brass-d)}
.feature-panel li a{color:var(--navy);border-top-color:rgba(126,98,48,.2)}
.feature-panel li a span{color:var(--brass-d)}
.feature-panel li a:hover{color:var(--brass-d)}
.perspective{background:linear-gradient(160deg,#F7F1E5,#EFE6D4);color:var(--charcoal);border-left:2px solid #C9A86A}
.perspective h2{color:var(--navy)}
.perspective .eyebrow{color:var(--brass-d)}
.perspective p{color:var(--charcoal)}
.perspective .sig{color:var(--brass-d)}
.perspective::before{color:rgba(184,147,90,.35)}
.cta-band{background:linear-gradient(135deg,#F6EFE2,#ECE1CC);color:var(--charcoal);border:1px solid rgba(184,147,90,.3)}
.cta-band h2{color:var(--navy)}.cta-band h2 em{color:var(--brass-d)}
.calc-out{background:linear-gradient(170deg,#F7F1E5,#EEE4D1);color:var(--charcoal);border-left:1px solid rgba(184,147,90,.3)}
.calc-out h2,.calc-out h3{color:var(--navy)}
.big-out{color:var(--navy)}
.out-label{color:var(--brass-d)}
.out-rows li{border-top-color:rgba(126,98,48,.18)}
.out-rows li b{color:var(--navy)}
.out-note{color:var(--gray-2)}
.bar{background:rgba(126,98,48,.12)}
.legend{color:var(--gray-2)}
.calc-table th,.calc-table td{border-top-color:rgba(126,98,48,.18)}
.calc-table thead th{color:var(--brass-d)}
.verdict.v-good{color:#2F6B4F;border-color:rgba(47,107,79,.4)}.verdict.v-mid{color:var(--brass-d);border-color:rgba(126,98,48,.4)}.verdict.v-low{color:#9B3426;border-color:rgba(155,52,38,.35)}
.chart svg line{stroke:rgba(126,98,48,.15)!important}
.chart svg text{fill:var(--gray-2)!important}
.card.feature{background:linear-gradient(160deg,#F6EFE2,#ECE2CE);color:var(--charcoal)}
.card.feature h3{color:var(--navy)}.card.feature p{color:var(--gray-2)}.card.feature .go{color:var(--brass-d)}.card.feature .tag{color:var(--brass-d)}
a.card.feature:hover{background:linear-gradient(160deg,#F2E9D8,#E7DBC2)}
.formula{background:linear-gradient(135deg,#F6EFE2,#ECE1CC);color:var(--navy);border:1px solid rgba(184,147,90,.35)}
.formula span{border-bottom-color:#B8935A}
.table-wrap{border-top-color:#B8935A}
/* Finale */
.finale{background:linear-gradient(180deg,#F5EEE1 0%,#EADFCB 100%);color:var(--charcoal)}
.finale h2{color:var(--navy)}.finale h2 em{color:var(--brass-d)}
.finale .lede{color:var(--charcoal)!important}
.finale .eyebrow{color:var(--brass-d)!important}
.finale .cols::before{background:linear-gradient(90deg,rgba(126,98,48,.09) 1px,transparent 1px) 0 0/calc(100%/6) 100%}
.choices{border-top-color:rgba(126,98,48,.22)}
.choices>div{border-right-color:rgba(126,98,48,.22)}
@media (max-width:760px){.choices>div{border-bottom-color:rgba(126,98,48,.22)}}
.choices h3{color:var(--navy)}.choices p{color:var(--gray-2)}
.choices .eyebrow{color:var(--brass-d)!important}
.choices .contact-lines a{color:var(--navy)}.choices .contact-lines a:hover{color:var(--brass-d)}
.sig2{color:var(--brass-d)}
/* Footer: soft stone */
.site-footer{background:#EFE9DE;color:var(--gray-2);border-top:1px solid rgba(184,147,90,.35)}
.site-footer a:not(.btn){color:var(--charcoal)}
.site-footer a:not(.btn):hover{color:var(--brass-d)}
.ft-top{border-bottom-color:rgba(126,98,48,.2)}
.ft-top h2{color:var(--navy)}.ft-top h2 em{color:var(--brass-d)}
.ft-contact>a{color:var(--navy)!important}
.site-footer h4{color:var(--brass-d)}
.ft-brand .brand{color:var(--navy)}
.ft-brand .brand-sub{color:var(--gray-2)}
.ft-legal{border-top-color:rgba(126,98,48,.2);color:var(--gray-2)}
.ft-legal strong{color:var(--charcoal)}
.eho{color:var(--charcoal)}
/* Filters, chips, misc accents */
.filters button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.chips a:hover,.pill-list li a:hover,.az a:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.plist a::before{background:var(--gold-grad);height:2px}
.plist .pt svg{color:var(--brass-d)}
ol.steps li::before,.numlist li::before,.plist .ix{color:var(--brass-d)}
ul.checks li::before{background:var(--gold-grad);height:2px}
.toc a.active{border-left-color:#B8935A}
.toc .toc-cta .btn{color:#2A2216;border-color:#B8935A}
.toc .toc-cta .btn:hover{color:#1C160C}
.nav .nl::after{background:var(--gold-grad);height:2px}
.stat{border-left-color:#B8935A}
.notice svg{color:var(--brass-d)}
.callout{border-left:2px solid #C9A86A}
.m-cta{background:rgba(250,248,244,.96)}
.icon{border-color:#D9C08A;color:var(--brass-d)}
.kv dt{color:var(--gray-2)}

/* ═══ v5 — refinement: antique champagne, no gradients, calmer composition ═══ */
:scope{
  --gold-text:#765C2E;   /* 5.9:1 on ivory — accent text */
  --gold:#B39A6B;        /* hairlines & decorative strokes only */
  --gold-fill:#D4C29C;   /* button/fill with charcoal text — 8.8:1 */
  --gold-fill-h:#C9B488;
  --gold-wash:#F4EDE0;   /* soft champagne surface */
  --char:#24272C;
  --brass:#B39A6B; --brass-d:#765C2E; --brass-l:#D4C29C;
}
body::before{display:none}
.cols,.arc,.coord,.finale .arc2,.cta-band::after,.perspective::before{display:none!important}
h1 em,h2 em,h3 em,.hero h1 em{background:none!important;-webkit-text-fill-color:currentColor!important;color:var(--gold-text)!important;filter:none}
.metrics dd{background:none!important;-webkit-text-fill-color:currentColor!important;color:var(--char)!important}
.metrics dd sup{color:var(--gold-text);-webkit-text-fill-color:var(--gold-text)}
.eyebrow{color:var(--gold-text)}
.eyebrow::before{background:var(--gold)!important;height:1px}
.nav .nl::after,.plist a::before{background:var(--gold)!important;height:1px}
ul.checks li::before{background:var(--gold)!important;height:1px}
.plate i{background:var(--gold)!important;height:1px}
/* Buttons: charcoal primary; every application button is solid antique champagne */
.btn-primary{background:var(--char)!important;color:#fff!important;border-color:var(--char)!important;box-shadow:none!important}
.btn-primary:hover{background:#34383E!important;border-color:#34383E!important}
.btn-solid-light{background:var(--char)!important;color:#fff!important;border-color:var(--char)!important;box-shadow:none!important}
.btn-brass,.btn-light{background:transparent;color:var(--char);border-color:var(--char)}
.btn-brass:hover,.btn-light:hover{background:var(--char);color:#fff;border-color:var(--char)}
a.btn[data-track="application_click"]{background:var(--gold-fill)!important;color:var(--char)!important;border-color:var(--gold-fill)!important;box-shadow:none!important}
a.btn[data-track="application_click"]:hover{background:var(--gold-fill-h)!important;border-color:var(--gold-fill-h)!important;color:#111!important}
.toc .toc-cta .btn{color:var(--char)}
/* Surfaces: flat champagne wash instead of gradients */
.sec-dark,.finale,.cta-band,.perspective,.feature-panel,.calc-out,.card.feature,.formula{background:var(--gold-wash)!important}
.sec-dark{border-top:1px solid #E6DCCB;border-bottom:1px solid #E6DCCB}
.feature-panel,.cta-band,.formula{border:1px solid #E2D6C1}
.perspective{border-left:2px solid var(--gold)}
.site-footer{background:#F1ECE3}
/* Header: cleaner */
.site-header{background:rgba(250,248,244,.9)}
.hdr{height:76px}
.brand-sub{letter-spacing:.16em}
.nav .nl{font-weight:600;font-size:.84rem}
@media (max-width:1100px){.mobile-nav{inset:76px 0 0 0}}
@media (max-width:560px){.hdr{height:68px}.mobile-nav{inset:68px 0 0 0}}

/* Hero v5: portrait leads, professionally matted */
.hero{padding:clamp(28px,4vw,56px) 0 0}
.hero-grid{grid-template-columns:repeat(12,minmax(0,1fr));align-items:center}
.hero-copy{grid-column:1/span 7}
.hero-art{grid-column:8/span 5;padding-top:0}
.hero h1{font-size:clamp(2.9rem,6vw,6rem)}
.portrait{aspect-ratio:4/5;background:#fff;padding:12px;border:1px solid var(--line-2);box-shadow:0 30px 60px -36px rgba(36,39,44,.35)}
.portrait::before{display:none}
.portrait-in{position:relative;inset:auto;width:100%;height:100%;overflow:hidden}
.portrait-in img{transform:none!important}
.caption{margin-top:16px;border-top:0;padding-top:0}
.plate{display:none}
.ledger{margin-top:clamp(36px,5vw,64px)}
@media (max-width:1000px){.hero-copy,.hero-art{grid-column:1/-1}.hero-art{max-width:520px;margin-top:8px}}
@media (max-width:760px){.portrait{padding:8px;aspect-ratio:4/4.6}.hero-art{max-width:none}}

/* Meet Kit photo: matted like the hero */
.spread .photo{background:#fff;padding:12px;border:1px solid var(--line-2)}
.spread .photo img{transform:none!important}

/* ── Pathways (three interactive entry points) ── */
.paths3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:1000px){.paths3{grid-template-columns:1fr}}
.pw{background:#fff;border:1px solid var(--line);padding:clamp(24px,2.6vw,34px);display:flex;flex-direction:column;gap:16px;min-width:0;transition:border-color .3s,box-shadow .3s}
.pw:hover{border-color:var(--gold);box-shadow:0 24px 50px -36px rgba(36,39,44,.35)}
.pw .q{font:400 clamp(1.6rem,2.2vw,2rem)/1.1 var(--serif);color:var(--char);margin:0}
.pw .k{font:600 .62rem/1.3 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-text)}
.pw p{margin:0;font-size:.93rem;color:var(--gray-2)}
.pw .mini{display:grid;gap:10px;padding:16px;background:var(--ivory);border:1px solid var(--line)}
.pw .mini .row2{gap:10px}
.pw .mini label{font:600 .62rem/1.3 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gray-2);display:block;margin-bottom:5px}
.pw .mini input,.pw .mini select{width:100%;min-height:44px;padding:9px 11px;border:1px solid var(--line-2);font:500 .95rem var(--sans);background:#fff;color:var(--text);border-radius:0}
.pw .mini input:focus,.pw .mini select:focus{outline:none;border-color:var(--char)}
.pw .out{display:flex;justify-content:space-between;align-items:baseline;gap:10px;border-top:1px solid var(--line);padding-top:10px}
.pw .out span{font-size:.78rem;color:var(--gray-2)}
.pw .out b{font:400 1.7rem/1 var(--serif);color:var(--char);font-variant-numeric:tabular-nums}
.pw .chips2{display:flex;flex-wrap:wrap;gap:8px}
.pw .chips2 a{padding:9px 13px;border:1px solid var(--line-2);font-size:.85rem;color:var(--char);text-decoration:none;background:#fff}
.pw .chips2 a:hover{border-color:var(--char);background:var(--char);color:#fff}
.pw .le{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.pw .le div{border:1px solid var(--line);padding:10px;background:#fff;font-size:.76rem;color:var(--gray-2)}
.pw .le b{display:block;font:400 1.15rem/1.1 var(--serif);color:var(--char);margin-top:4px}
.pw .go{margin-top:auto}

/* ── Tool pages ── */
.tool{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);border:1px solid var(--line-2);background:#fff}
@media (max-width:960px){.tool{grid-template-columns:1fr}}
.tool>*{min-width:0}
.tool-in{padding:clamp(22px,3.4vw,40px);display:grid;gap:22px;align-content:start}
.tool-out{background:var(--gold-wash);padding:clamp(22px,3.4vw,40px);border-left:1px solid var(--line)}
@media (max-width:960px){.tool-out{border-left:0;border-top:1px solid var(--line)}}
.step-h{display:flex;align-items:baseline;gap:12px;margin:0;font:400 1.45rem/1.2 var(--serif);color:var(--char)}
.step-h span{font:600 .62rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text)}
.fieldset{border:0;padding:0;margin:0;display:grid;gap:16px}
.fieldset+.fieldset{padding-top:22px;border-top:1px solid var(--line)}
.why{font-size:.8rem;color:var(--gray-2);margin:6px 0 0;line-height:1.5}
.tot{font:400 clamp(2.8rem,5vw,4rem)/1 var(--serif);color:var(--char);margin:8px 0 4px;font-variant-numeric:tabular-nums}
.lines{list-style:none;margin:20px 0 0;padding:0}
.lines li{display:grid;grid-template-columns:12px 1fr auto;gap:10px;align-items:center;padding:11px 0;border-top:1px solid #E4D9C6;font-size:.92rem}
.lines li i{width:10px;height:10px;display:block}
.lines li b{font-weight:600;color:var(--char);font-variant-numeric:tabular-nums}
.lines li small{display:block;color:var(--gray-2);font-size:.76rem;margin-top:2px}
.sbar{display:flex;height:10px;margin-top:18px;background:#E9DFCC}
.sbar i{height:100%;transition:width .4s var(--ease)}
.notes{margin-top:22px;padding-top:16px;border-top:1px solid #E4D9C6;font-size:.8rem;color:var(--gray-2)}
.flag{display:flex;gap:10px;align-items:flex-start;padding:12px 14px;background:#fff;border:1px solid #E4D9C6;font-size:.86rem;margin-top:12px}
.flag b{color:var(--char)}
.offers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
@media (max-width:900px){.offers{grid-template-columns:1fr}}
.offer{border:1px solid var(--line);padding:18px;background:var(--ivory);display:grid;gap:12px}
.offer h3{margin:0;font-size:1.3rem;display:flex;justify-content:space-between;align-items:center}
.offer .field label{font-size:.66rem}
.offer .field input{min-height:44px;padding:9px 11px}
.res-table{width:100%;border-collapse:collapse;font-size:.9rem;font-variant-numeric:tabular-nums;min-width:520px}
.res-table th,.res-table td{padding:12px 10px;border-bottom:1px solid #E4D9C6;text-align:right}
.res-table th:first-child,.res-table td:first-child{text-align:left}
.res-table thead th{font:600 .62rem/1.3 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text);border-bottom:1px solid var(--gold)}
.res-table .best{background:#EFE5D2}
.badge-best{display:inline-block;font:600 .58rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;background:var(--char);color:#fff;padding:4px 7px;margin-left:6px;vertical-align:2px}
.quiz{display:grid;gap:26px}
.qblock{border-top:1px solid var(--line);padding-top:20px}
.qblock h3{font-size:1.35rem;margin:0 0 12px}
.opts{display:flex;flex-wrap:wrap;gap:8px}
.opts label{cursor:pointer}
.opts input{position:absolute;opacity:0;pointer-events:none}
.opts span{display:inline-block;padding:11px 15px;border:1px solid var(--line-2);font-size:.9rem;background:#fff;color:var(--char);transition:all .2s}
.opts input:checked+span{background:var(--char);border-color:var(--char);color:#fff}
.opts input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.match{border:1px solid #E4D9C6;background:#fff;padding:18px 20px;margin-top:12px}
.match h3{margin:0 0 6px;font-size:1.4rem;display:flex;justify-content:space-between;gap:10px;align-items:baseline}
.match h3 small{font:600 .6rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.match p{font-size:.9rem;margin:0 0 8px;color:var(--charcoal)}
.match ul{margin:0 0 10px;padding-left:1.1em;font-size:.86rem;color:var(--gray-2)}
.empty-state{color:var(--gray-2);font-size:.92rem}
.pw .out b{font-size:1.4rem;text-align:right;line-height:1.15}
.offer .inwrap input.has-pre{padding-left:28px}
.offer .inwrap input.has-suf{padding-right:34px}
legend.step-h{margin-bottom:4px;padding:0}
/* v5.1 audit fixes */
.mobile-nav{z-index:59}
body.nav-open{overflow:hidden}
/* Hero entrance: quiet fade only, no masked line reveal (it clipped the italic descenders) */
.hero .l{overflow:visible;padding-bottom:0;margin-bottom:0}
.hero .l>span{transform:none;opacity:0;transition:opacity .6s var(--ease)}
.hero.ready .l>span{opacity:1}
.hero .fade-up{transform:none;transition:opacity .6s var(--ease) .2s}
.no-js .hero .l>span,.no-js .hero .fade-up{opacity:1}
/* Mobile menu buttons keep button typography */
.mobile-nav a.btn{font:600 .95rem/1.2 var(--sans);padding:16px 20px;display:flex;justify-content:center;align-items:center;gap:10px;text-align:center}
.nav li.has-menu:nth-last-child(-n+2) .menu{left:auto;right:-24px}
.mobile-nav .m-meta a.m-tel{display:inline;padding:0;font:600 .9rem var(--sans);color:var(--gold-text);text-decoration:underline;text-underline-offset:3px}
/* v6 home cleanup */
.meet2{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,6vw,96px);align-items:start}
.meet2-h h2{margin:10px 0 26px}
.meet2-h .pull{margin:0;font:400 clamp(1.4rem,2.2vw,1.9rem)/1.25 var(--serif);font-style:italic;color:var(--gold-text);border-left:2px solid var(--gold);padding-left:18px}
.meet2-b>p{font-size:1.05rem;line-height:1.7;margin:0 0 16px;max-width:62ch}
.meet2-b .metrics{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;margin:30px 0 26px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.meet2-b .metrics>div{padding:18px 16px 16px 0;border:0}
.meet2-b .metrics>div+div{padding-left:16px;border-left:1px solid var(--line)}
.meet2-b .metrics dd{order:-1;margin:0 0 6px;font:400 clamp(2rem,3.2vw,2.6rem)/1 var(--serif);color:var(--charcoal)}
.meet2-b .metrics>div{display:flex;flex-direction:column}
.meet2-b .metrics dt{font-size:.78rem;line-height:1.4;color:var(--gray-2);max-width:20ch}
.meet2-b .metrics sup{font-size:.45em;color:var(--gold-text)}
.serving{font-size:.9rem;line-height:1.9;color:var(--gray-2);margin:0 0 26px!important}
.serving b{color:var(--charcoal);font-weight:600}
.serving a{color:var(--charcoal);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
.metric-note{font-size:.75rem!important;color:var(--gray-2);margin-top:22px!important}
.pgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(24px,3vw,48px)}
.pg h3{font:600 .7rem/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-text);padding-bottom:14px;border-bottom:1px solid var(--charcoal);margin:0}
.pg ul{list-style:none;margin:0;padding:0}
.pg li{border-bottom:1px solid var(--line)}
.pg a{display:block;padding:16px 0;text-decoration:none;color:var(--charcoal)}
.pg a b{display:block;font:400 1.3rem/1.2 var(--serif);margin-bottom:4px}
.pg a span{display:block;font-size:.86rem;line-height:1.5;color:var(--gray-2)}
.pg a:hover b{color:var(--gold-text)}
@media (max-width:900px){.meet2,.pgrid{grid-template-columns:minmax(0,1fr)}.meet2-b .metrics{grid-template-columns:repeat(2,minmax(0,1fr))}.meet2-b .metrics>div:nth-child(3){padding-left:0;border-left:0}.meet2-b .metrics>div:nth-child(n+3){border-top:1px solid var(--line)}}
/* v6 inner-page scanability */
.mtoc{display:none}
@media (max-width:1000px){
 .mtoc{display:block;border:1px solid var(--line);background:#fff;margin:0 0 28px}
 .mtoc summary{list-style:none;cursor:pointer;padding:14px 18px;font:600 .72rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text);display:flex;justify-content:space-between}
 .mtoc summary::-webkit-details-marker{display:none}
 .mtoc summary::after{content:"+";font-size:1rem;letter-spacing:0}
 .mtoc[open] summary::after{content:"–"}
 .mtoc ol{margin:0;padding:0 18px 14px 36px}
 .mtoc li{padding:6px 0;font-size:.92rem}
 .mtoc a{color:var(--charcoal)}
 .glance{grid-template-columns:repeat(2,minmax(0,1fr))!important}
 .glance>div{padding:12px 14px!important}
 .glance dd{font-size:.86rem!important;line-height:1.4}
}
.sources details summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px}
.sources details summary::-webkit-details-marker{display:none}
.sources details summary h2{margin:0}
.sources details summary::after{content:"+";font:300 1.5rem var(--sans);color:var(--gold-text)}
.sources details[open] summary::after{content:"–"}
.sources details ol{margin-top:16px}
/* v6 compact footer on phones */
@media (max-width:560px){
 .ft-grid{grid-template-columns:1fr 1fr;gap:32px 20px}
 .ft-grid>.ft-brand,.ft-grid>div:nth-child(2){grid-column:1/-1}
 .ft-grid>div:nth-child(2) ul{columns:2;column-gap:20px}
 .ft-grid li{break-inside:avoid}
 .ft-grid a{font-size:.86rem}
}
.wrap.doc{padding-left:var(--gut);padding-right:var(--gut)}
/* calculator validation + reset */
.calc-msg{margin:14px 0 0;padding:10px 14px;border-left:2px solid #A2512F;background:#FBF3EE;color:#6E3218;font-size:.86rem;line-height:1.5}
.calc-actions{margin-top:14px}
.calc-reset{background:none;border:0;padding:0;cursor:pointer;font:600 .82rem var(--sans);color:var(--charcoal);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}
.calc-reset:focus-visible{outline:2px solid var(--charcoal);outline-offset:3px}
/* v7: concept-informed refinements */
.finale2{background:var(--gold-wash);text-align:center;border-top:1px solid rgba(179,154,107,.35)}
.finale2 .wrap{max-width:820px}
.finale2 .eyebrow{justify-content:center}
.finale2 h2{font-size:clamp(2.4rem,5.2vw,4.2rem);line-height:1.05;margin:14px 0 20px}
.finale2 .lede{margin:0 auto 30px;max-width:56ch}
.finale2 .btn-row{justify-content:center}
.finale-contact{margin-top:22px;font-size:.88rem;color:var(--gray-2)}
.finale-contact a{color:var(--charcoal);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
.pg a{display:grid;grid-template-columns:1fr auto;column-gap:16px;align-items:center}
.pg a i{grid-row:1/span 2;grid-column:2;font-style:normal;color:var(--gold-text);font-size:1rem;transition:transform .2s}
.pg a:hover i{transform:translate(2px,-2px)}
.pg-note{margin-top:22px;font-size:.8rem;color:var(--gray-2)}
@media (max-width:900px){.pg a span{display:none}.pg a{padding:14px 0}.pg a b{margin:0}}
/* charcoal footer */
.site-footer{background:#24272C;color:rgba(250,248,244,.66);border-top:0}
.site-footer a:not(.btn){color:rgba(250,248,244,.9)}
.site-footer a:not(.btn):hover{color:#D4C29C}
.site-footer h4{color:#D4C29C}
.ft-brand .brand{color:#FAF8F4}
.ft-brand .brand-sub{color:rgba(250,248,244,.55)}
.ft-brand .brand svg circle,.ft-brand .brand svg{stroke:#D4C29C;color:#D4C29C}
.ft-top{border-bottom-color:rgba(250,248,244,.14)}
.ft-top h2{color:#FAF8F4}.ft-top h2 em{color:#D4C29C}
.ft-contact>a{color:#FAF8F4!important}
.ft-legal{border-top-color:rgba(250,248,244,.14);color:rgba(250,248,244,.6)}
.ft-legal strong{color:rgba(250,248,244,.85)}
.ft-legal a{color:rgba(250,248,244,.9)}
.site-footer .eho svg,.site-footer svg.eho{fill:currentColor}
.site-footer .eho{color:rgba(250,248,244,.9)}
:scope{--gray:#6E6860}
.site-footer .ft-top h2 em,.site-footer .ft-top h2 em *{color:#D4C29C!important}
/* menus open on hover or explicit toggle only, so Escape can close them */
.has-menu:focus-within .menu{opacity:0;visibility:hidden;transform:translateY(8px)}
.has-menu:hover .menu,.has-menu.open .menu{opacity:1;visibility:visible;transform:none}
/* clear keyboard focus ring on form fields */
input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid var(--charcoal);outline-offset:1px}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:2px solid var(--charcoal);outline-offset:3px}
.site-footer a:focus-visible{outline-color:#D4C29C}
/* Hero renders immediately (no entrance fade): faster Largest Contentful Paint */
.hero .l>span,.hero .fade-up{opacity:1!important;transform:none!important;transition:none!important}
.meet2-b .metrics{grid-template-columns:repeat(2,minmax(0,1fr))!important}.meet2-b .metrics>div:nth-child(n+3){border-top:0}.meet2-b .metrics>div:nth-child(2){padding-left:16px;border-left:1px solid var(--line)}

}
.kit-content{--ivory:#faf8f2;--navy:#49543f;--ink:#303a2e;--text:#303a2e;--brass-d:#82563f;--brass:#82563f;--serif:Georgia,serif;--sans:Arial,sans-serif;--wrap:1200px;--gut:22px;--sec:70px;--line:#d9ddcf;--paper:#fff;--stone:#eeefe5;--ivory-2:#eeefe5;--champagne:#eeefe5;--gold-grad:#49543f;--gold-brush:none;--gray-2:#5e6657;--ease:ease;--ok:#49543f;--warn:#82563f}.kit-content .reveal{opacity:1;transform:none}.kit-content .perspective{display:none}.kit-content .btn-primary{background:#49543f;color:#fff}.kit-content .calc input,.kit-content .field input{max-width:100%}.kit-content>*{min-width:0}.kit-content input[type=radio],.kit-content input[type=checkbox]{width:auto;max-width:100%;flex:0 0 auto;padding:0}