:root{--ink:#0b2e2b;--ink2:#123d39;--gold:#d8b36a;--gold2:#f0d59a;--paper:#f7f8f4;--white:#fff;--muted:#667470;--line:#d9ded9;--soft:#eef2ed}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}.shell{width:min(1180px,calc(100% - 40px));margin:auto}.nav-wrap{position:sticky;top:0;z-index:20;background:rgba(247,248,244,.91);backdrop-filter:blur(15px);border-bottom:1px solid rgba(11,46,43,.09)}.nav{height:84px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:12px;font-family:Manrope,sans-serif;font-weight:800;letter-spacing:.14em;line-height:1}.brand small{display:block;font-size:.56rem;letter-spacing:.22em;color:#78837f;margin-top:6px}.brand-mark{width:38px;height:38px;border-radius:11px;background:var(--ink);color:var(--gold);display:grid;place-items:center;font-family:Georgia,serif;font-size:1.55rem;letter-spacing:0}.nav-links{display:flex;gap:28px;font-size:.92rem;font-weight:600}.nav-links a:hover{color:#987123}.button{display:inline-flex;justify-content:center;align-items:center;background:var(--ink);color:white;padding:15px 23px;border-radius:7px;font-weight:700;line-height:1.2;transition:.2s}.button:hover{background:#174943;transform:translateY(-1px)}.button-small{padding:11px 17px;font-size:.88rem}.hero{display:grid;grid-template-columns:1.08fr .92fr;gap:72px;align-items:center;min-height:680px;padding-top:70px;padding-bottom:70px}.eyebrow{font-size:.76rem;letter-spacing:.16em;font-weight:800;color:var(--gold2);display:flex;gap:10px;align-items:center;margin:0 0 18px}.eyebrow span{width:23px;height:2px;background:var(--gold)}.eyebrow.dark{color:#8d6a2d}.hero h1,.section h2,.cta-section h2{font:700 clamp(2.8rem,5.4vw,5.6rem)/1.02 Manrope,sans-serif;letter-spacing:-.055em;margin:0}.hero h1 em{font-family:Georgia,serif;font-weight:400;color:#a47a30}.lead{font-size:1.16rem;color:#53635e;max-width:650px;margin:26px 0 30px}.hero-actions{display:flex;gap:24px;align-items:center}.text-link{font-weight:700}.text-link span{color:#9e7731;margin-left:6px}.trust-row{display:flex;gap:20px;margin-top:31px;font-size:.84rem;color:#60706b}.trust-row span::first-letter{color:#a67c31}.decision-card{background:var(--ink);color:white;padding:38px;border-radius:5px;box-shadow:22px 22px 0 #e7e7de;position:relative}.decision-card:before{content:"";position:absolute;inset:9px;border:1px solid rgba(216,179,106,.25);pointer-events:none}.card-top{display:flex;justify-content:space-between;font-size:.7rem;letter-spacing:.15em;color:var(--gold2)}.pulse{width:8px;height:8px;background:var(--gold);border-radius:50%;box-shadow:0 0 0 5px rgba(216,179,106,.12)}.decision-card h2{font:700 1.9rem/1.18 Manrope,sans-serif;letter-spacing:-.03em;margin:28px 0 13px}.decision-card>p{color:#bcc9c4}.choice-grid{display:grid;grid-template-columns:1fr 1fr;margin:25px 0;border:1px solid rgba(255,255,255,.15)}.choice-grid>div{padding:20px}.choice-grid .featured{background:rgba(216,179,106,.12);border-left:1px solid rgba(216,179,106,.35)}.choice-grid small{font-size:.62rem;letter-spacing:.12em;color:#a9b7b2}.choice-grid strong{display:block;font:700 1.05rem Manrope;margin:5px 0}.choice-grid p{font-size:.8rem;line-height:1.5;color:#b9c7c2;margin:0}.decision-card .card-note{font-size:.78rem;color:#d9e0dd;margin-bottom:0}.ticker{background:var(--gold);color:var(--ink);overflow:hidden;white-space:nowrap;padding:14px;font-size:.72rem;font-weight:800;letter-spacing:.2em;text-align:center}.ticker i{margin:0 24px;font-style:normal}.section{padding-top:105px;padding-bottom:105px}.section h2,.cta-section h2{font-size:clamp(2rem,4vw,3.65rem);max-width:700px}.intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px}.prose{font-size:1.08rem;color:#586762}.prose p:first-child{margin-top:0}.soft{background:var(--soft)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:45px}.section-head>p{max-width:350px;color:var(--muted)}.option-tabs{display:flex;border-bottom:1px solid #cad1cc;gap:6px}.tab{appearance:none;border:0;background:transparent;padding:17px 25px;font:700 .95rem 'DM Sans';color:#687670;cursor:pointer;border-bottom:3px solid transparent}.tab.active{color:var(--ink);border-color:var(--gold)}.option-panel{display:grid;grid-template-columns:1.1fr .95fr .95fr;background:white;border:1px solid #dce1dc;margin-top:25px}.option-panel>div{padding:34px;border-right:1px solid #e0e4e0}.option-panel>div:last-child{border:0}.number{font:700 3rem Manrope;color:#e3c98f}.option-panel h3{font:700 1.5rem Manrope;margin:3px 0 12px}.option-panel h4{font:700 1rem Manrope;margin:0 0 15px}.option-panel p,.option-panel li{color:#5f6d68;font-size:.94rem}.option-panel ul{padding:0;list-style:none}.option-panel li{margin:10px 0;padding-left:22px;position:relative}.option-panel li:before{content:'✓';position:absolute;left:0;color:#9a742f}.attention{background:#f7f1e4}.calculator-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px;align-items:center}.calc-copy>p{color:var(--muted)}.disclaimer{font-size:.78rem;padding:17px;border-left:3px solid var(--gold);background:#f0f1eb;color:#66736e;margin-top:30px}.calculator{background:white;border:1px solid var(--line);padding:36px;box-shadow:12px 12px 0 #e8e9e3}.calculator label{display:flex;justify-content:space-between;font-weight:700;margin:18px 0 8px}.calculator label span{color:#9a742f}.calculator input[type=range]{width:100%;accent-color:var(--gold)}.result{background:var(--ink);color:white;display:grid;grid-template-columns:1fr 1fr;margin:30px 0 14px}.result>div{padding:22px;border-right:1px solid rgba(255,255,255,.14)}.result small{display:block;color:#b8c5c0;font-size:.65rem;letter-spacing:.1em}.result strong{font:700 1.65rem Manrope;color:var(--gold2)}.perspective{font-size:.85rem;color:#6b7672;margin:10px 0 20px}.full{width:100%}.dark-section{background:var(--ink);color:white}.section-head.light>p{color:#b5c3be}.factor-grid{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid rgba(255,255,255,.15)}.factor-grid article{padding:30px;border-right:1px solid rgba(255,255,255,.15)}.factor-grid article:last-child{border:0}.factor-grid span{color:var(--gold);font-size:.75rem;letter-spacing:.15em}.factor-grid h3{font:700 1.35rem Manrope}.factor-grid p{font-size:.9rem;color:#b7c4bf}.steps{list-style:none;padding:0;margin:0;border-top:1px solid var(--line)}.steps li{display:grid;grid-template-columns:95px 1fr;padding:30px 0;border-bottom:1px solid var(--line);align-items:start}.steps li>span{font:500 2.4rem Georgia;color:#b48b42}.steps h3{font:700 1.25rem Manrope;margin:5px 0}.steps p{margin:0;color:var(--muted)}.checklist-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px}.checklist-grid>div>p:last-child{color:var(--muted)}.checklist{list-style:none;margin:0;padding:0}.checklist li{display:grid;grid-template-columns:40px 1fr;gap:16px;padding:18px 0;border-bottom:1px solid #d2d8d3}.checklist li>span{width:32px;height:32px;border:1px solid #b48b42;color:#9a742f;border-radius:50%;display:grid;place-items:center}.checklist strong{font:700 1.05rem Manrope}.checklist p{margin:3px 0;color:var(--muted)}.faq-section{display:grid;grid-template-columns:.75fr 1.25fr;gap:90px}.faq details{border-top:1px solid var(--line);padding:21px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{list-style:none;font-weight:700;cursor:pointer;display:flex;justify-content:space-between;gap:15px}.faq summary::-webkit-details-marker{display:none}.faq summary span{color:#a97f35;font-size:1.3rem}.faq details[open] summary span{transform:rotate(45deg)}.faq details p{color:var(--muted);max-width:680px}.cta-section{background:#123d39;color:white;padding:90px 0}.cta-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:90px;align-items:center}.cta-grid>div>p{color:#c1cdc9;max-width:650px}.cta-card{background:white;color:var(--ink);padding:32px}.cta-card h3{font:700 1.4rem Manrope;margin-top:0}.cta-card p{color:var(--muted)}.button.gold{background:var(--gold);color:var(--ink)}.cta-card span{display:block;text-align:center;font-size:.78rem;color:#71807b;margin-top:14px}footer{background:#071e1c;color:white;padding:70px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:70px}.footer-grid>div{display:flex;flex-direction:column;gap:10px}.footer-grid p,.footer-grid a,.footer-grid span{color:#9eafaa;font-size:.9rem}.footer-brand{color:white;margin-bottom:12px}.legal{display:flex;justify-content:space-between;gap:30px;border-top:1px solid rgba(255,255,255,.12);margin-top:45px;padding-top:22px;font-size:.72rem;color:#879893}.legal p{max-width:760px;margin:0;text-align:right}@media(max-width:900px){.nav-links{display:none}.hero,.intro-grid,.calculator-grid,.checklist-grid,.faq-section,.cta-grid{grid-template-columns:1fr;gap:45px}.hero{padding-top:50px}.factor-grid{grid-template-columns:1fr 1fr}.factor-grid article:nth-child(2){border-right:0}.factor-grid article:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.15)}.option-panel{grid-template-columns:1fr}.option-panel>div{border-right:0;border-bottom:1px solid #e0e4e0}.section-head{align-items:start}.footer-grid{grid-template-columns:1.5fr 1fr}}@media(max-width:600px){.shell{width:min(100% - 28px,1180px)}.nav{height:70px}.nav>.button{display:none}.hero{min-height:auto}.hero h1{font-size:3rem}.hero-actions,.trust-row{align-items:flex-start;flex-direction:column}.decision-card{padding:30px 24px;box-shadow:10px 10px 0 #e7e7de}.choice-grid{grid-template-columns:1fr}.choice-grid .featured{border-left:0;border-top:1px solid rgba(216,179,106,.35)}.ticker{text-align:left}.section{padding-top:75px;padding-bottom:75px}.section-head{display:block}.option-tabs{overflow-x:auto}.tab{white-space:nowrap;padding:15px}.option-panel>div{padding:26px}.calculator{padding:24px;box-shadow:none}.calculator label{display:block}.calculator label span{display:block}.result{grid-template-columns:1fr}.factor-grid{grid-template-columns:1fr}.factor-grid article{border-right:0;border-bottom:1px solid rgba(255,255,255,.15)!important}.factor-grid article:last-child{border-bottom:0!important}.steps li{grid-template-columns:55px 1fr}.footer-grid{grid-template-columns:1fr}.legal{display:block}.legal p{text-align:left;margin-top:12px}}
