:root{--night:#061d1e;--forest:#0a3839;--teal:#0d5e5f;--sea:#24a59e;--mint:#a7e0d8;--fog:#e2f1ee;--paper:#f6faf8;--white:#fff;--brass:#d4b06a;--ink:#102b2d;--muted:#5c7070;--line:rgba(10,56,57,.14);--shadow:0 24px 70px rgba(4,38,39,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.6 Inter,Arial,sans-serif}a{color:inherit}button,input,select{font:inherit}.shell{width:min(1180px,88vw);margin:auto}.nav{position:sticky;top:0;z-index:50;background:rgba(246,250,248,.92);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.nav-in{height:78px;display:flex;align-items:center;justify-content:space-between}.brand{text-decoration:none;font-weight:800;letter-spacing:-.03em;font-size:21px}.brand i{font-family:Georgia,serif;color:var(--brass);font-weight:400}.links{display:flex;gap:30px;align-items:center}.links a{text-decoration:none;font-size:14px;font-weight:650}.nav-cta{background:var(--night);color:#fff;padding:11px 17px;border-radius:999px}.hero{min-height:720px;background:radial-gradient(circle at 76% 18%,rgba(36,165,158,.3),transparent 33%),linear-gradient(135deg,var(--night),var(--forest));color:#fff;display:grid;align-items:center;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.08fr .72fr;gap:8vw;align-items:center;padding:80px 0}.kicker{text-transform:uppercase;letter-spacing:.18em;font-size:11px;font-weight:800;color:var(--sea)}.hero .kicker{color:var(--mint)}h1,h2{font-family:Georgia,"Times New Roman",serif;font-weight:400;letter-spacing:-.045em}h1{font-size:clamp(50px,7vw,88px);line-height:.98;margin:18px 0 26px;max-width:760px}h2{font-size:clamp(38px,5vw,58px);line-height:1.05;margin:12px 0 18px}.lead{font-size:19px;color:rgba(255,255,255,.73);max-width:620px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:34px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 22px;border-radius:999px;text-decoration:none;font-size:14px;font-weight:800;border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--brass);color:var(--night)}.btn-light{border-color:rgba(255,255,255,.35);color:#fff}.portrait-wrap{position:relative}.portrait{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center top;border-radius:180px 180px 16px 16px;border:1px solid rgba(255,255,255,.25);box-shadow:0 32px 90px rgba(0,0,0,.34)}.portrait-note{position:absolute;right:-26px;bottom:32px;background:var(--paper);color:var(--ink);padding:18px 20px;box-shadow:var(--shadow);border-radius:12px;font-size:13px}.portrait-note strong{display:block;font-size:16px}.ticker{background:var(--white);border-bottom:1px solid var(--line)}.ticker-in{min-height:84px;display:grid;grid-template-columns:1.2fr repeat(3,.8fr);align-items:center}.tick{padding:12px 24px;border-left:1px solid var(--line);font-size:13px;color:var(--muted)}.tick:first-child{padding-left:0;border:0}.tick strong{display:block;color:var(--ink);font-size:18px}.section{padding:105px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:46px}.section-head p{max-width:490px;color:var(--muted)}.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.program{background:#fff;border:1px solid var(--line);min-height:260px;padding:32px;border-radius:4px;text-decoration:none;position:relative;overflow:hidden;transition:.25s}.program:before{content:"";position:absolute;inset:auto -40px -60px auto;width:140px;height:140px;border-radius:50%;background:var(--fog);transition:.25s}.program:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}.program:hover:before{background:var(--mint);transform:scale(1.2)}.program small{color:var(--teal);font-weight:800;letter-spacing:.13em}.program h3{font-family:Georgia,serif;font-size:27px;line-height:1.1;margin:28px 0 12px}.program p{color:var(--muted);font-size:14px;max-width:250px}.arrow{position:absolute;right:26px;bottom:22px;font-size:22px;z-index:2}.tools{background:var(--night);color:#fff}.tool-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:center}.tools p{color:rgba(255,255,255,.68)}.tool-list{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid rgba(255,255,255,.18)}.tool-link{padding:27px 10px 27px 0;border-bottom:1px solid rgba(255,255,255,.18);text-decoration:none;font-weight:700}.tool-link:nth-child(even){padding-left:26px;border-left:1px solid rgba(255,255,255,.18)}.story{display:grid;grid-template-columns:.75fr 1.25fr;gap:8vw;align-items:center}.story img{width:100%;border-radius:4px;box-shadow:var(--shadow)}.quote{font-family:Georgia,serif;font-size:30px;line-height:1.3;color:var(--forest)}.cta{padding:90px 0;background:var(--fog)}.cta-in{display:flex;justify-content:space-between;gap:35px;align-items:center}.footer{background:var(--night);color:rgba(255,255,255,.62);padding:50px 0 35px;font-size:13px}.footer-top{display:flex;justify-content:space-between;gap:30px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.13)}.footer a{color:#fff;text-decoration:none}.fine{margin-top:26px;max-width:850px;font-size:11px;line-height:1.6}.page-hero{background:linear-gradient(135deg,var(--night),var(--forest));color:#fff;padding:100px 0 80px}.page-hero h1{font-size:clamp(46px,6vw,72px);max-width:850px}.page-hero p{max-width:700px;color:rgba(255,255,255,.7);font-size:18px}.calc-shell{padding:70px 0 110px}.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}.tab{border:1px solid var(--line);background:#fff;padding:12px 17px;border-radius:999px;cursor:pointer;font-size:13px;font-weight:700}.tab.active{background:var(--teal);color:#fff;border-color:var(--teal)}.calc-panel{display:none;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}.calc-panel.active{display:grid;grid-template-columns:1fr 1fr}.inputs,.results{padding:42px}.results{background:var(--forest);color:#fff}.fields{display:grid;grid-template-columns:1fr 1fr;gap:17px}.field label{display:block;font-size:12px;font-weight:800;margin-bottom:7px}.field input,.field select{width:100%;border:1px solid var(--line);border-radius:4px;padding:13px;background:var(--paper);color:var(--ink)}.result-big{font-family:Georgia,serif;font-size:56px;line-height:1;margin:15px 0 28px}.result-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:14px}.result-note{margin-top:24px;font-size:11px;color:rgba(255,255,255,.58)}.detail{padding:90px 0}.detail-grid{display:grid;grid-template-columns:.72fr 1.28fr;gap:7vw}.detail-menu a{display:block;padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:700}.detail-menu a.active{color:var(--teal)}.detail-copy h2{margin-top:0}.checks{list-style:none;padding:0}.checks li{padding:12px 0;border-bottom:1px solid var(--line)}.checks li:before{content:"✓";color:var(--sea);font-weight:bold;margin-right:12px}.contact-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:7vw;padding:90px 0}.contact-copy p{color:var(--muted)}.contact-form{background:#fff;border:1px solid var(--line);padding:40px;box-shadow:var(--shadow)}.contact-form .field{margin-bottom:18px}.contact-form textarea{width:100%;min-height:130px;border:1px solid var(--line);padding:13px;background:var(--paper);font:inherit}.notice{font-size:11px;color:var(--muted);margin-top:14px}.mobile{display:none}
@media(max-width:850px){.shell{width:min(92vw,680px)}.links a:not(.nav-cta){display:none}.hero{min-height:auto}.hero-grid,.tool-grid,.story,.detail-grid,.contact-grid{grid-template-columns:1fr}.hero-grid{padding:65px 0}.portrait-wrap{max-width:420px}.portrait-note{right:-8px}.ticker-in{grid-template-columns:1fr 1fr}.tick{border-bottom:1px solid var(--line)}.program-grid{grid-template-columns:1fr 1fr}.section{padding:75px 0}.section-head,.cta-in,.footer-top{display:block}.calc-panel.active{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.tool-grid{gap:35px}.cta-in .btn{margin-top:20px}}
@media(max-width:560px){h1{font-size:48px}.program-grid{grid-template-columns:1fr}.ticker-in{grid-template-columns:1fr}.tick{border-left:0;padding-left:0}.tool-list{grid-template-columns:1fr}.tool-link:nth-child(even){padding-left:0;border-left:0}.inputs,.results,.contact-form{padding:26px}.nav-in{height:68px}.section{padding:62px 0}}

/* Conversion-led editorial system */
.conversion-hero{background:linear-gradient(125deg,#061d1e 0%,#0a3839 65%,#0d4d4d 100%);color:#fff;overflow:hidden}.conversion-grid{min-height:730px;display:grid;grid-template-columns:1.08fr .72fr;gap:7vw;align-items:center}.hero-copy{padding:86px 0}.conversion-hero h1{font-size:clamp(3.5rem,7.4vw,6.8rem);max-width:900px}.conversion-hero h1 em{color:var(--mint);font-style:italic}.conversion-hero .lead{max-width:610px;font-size:1.25rem}.text-link{display:inline-flex;gap:12px;align-items:center;color:#fff;text-decoration:none;font-weight:800;padding:13px 0}.text-link span{color:var(--brass);font-size:1.2rem}.text-link.dark{color:var(--night)}.credential-line{display:flex;flex-wrap:wrap;gap:12px 24px;margin-top:48px;padding-top:25px;border-top:1px solid rgba(255,255,255,.18);font-size:.82rem;color:rgba(255,255,255,.65)}.credential-line strong{color:#fff}.hero-portrait{margin:0;align-self:end;position:relative}.hero-portrait img{display:block;width:100%;max-height:655px;object-fit:cover;object-position:center top;filter:saturate(.86);border-radius:180px 180px 0 0}.hero-portrait figcaption{position:relative;left:auto;bottom:auto;width:100%;padding:20px 24px;background:rgba(246,250,248,.98);color:var(--ink);box-shadow:var(--shadow);border-top:3px solid var(--brass)}.hero-portrait figcaption span{display:block;color:var(--teal);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;margin-bottom:5px}.hero-portrait figcaption strong{font-family:Georgia,serif;font-size:1.15rem;line-height:1.25}.trust-rail{background:var(--brass);color:var(--night)}.trust-in{min-height:65px;display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:.75rem;font-weight:900;letter-spacing:.11em;text-transform:uppercase}.trust-in span:not(:last-child):after{content:'•';margin-left:4.8vw;color:rgba(6,29,30,.36)}
.journey{background:#fff}.journey-layout{display:grid;grid-template-columns:.8fr 1.05fr 1fr;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.journey-intro{padding:45px 40px 45px 0}.journey-intro h2{font-size:3.2rem}.journey-intro p,.journey-answer p{color:var(--muted)}.journey-picker{border-left:1px solid var(--line);border-right:1px solid var(--line)}.journey-tab{width:100%;display:grid;grid-template-columns:36px 1fr;text-align:left;gap:2px 14px;padding:22px 26px;border:0;border-bottom:1px solid var(--line);background:transparent;color:var(--ink);cursor:pointer}.journey-tab:last-child{border-bottom:0}.journey-tab span{grid-row:1/3;color:var(--sea);font-size:.72rem;font-weight:900}.journey-tab strong{font-size:1rem}.journey-tab small{color:var(--muted)}.journey-tab.active{background:var(--fog);box-shadow:inset 4px 0 var(--sea)}.journey-answer{padding:45px}.journey-answer h3{font-family:Georgia,serif;font-size:2.2rem;line-height:1.12;font-weight:400;margin:25px 0 14px}.journey-answer .btn{margin-top:18px}
.clarity-section{background:var(--fog);padding:90px 0}.clarity-layout{display:grid;grid-template-columns:.25fr .72fr 1.25fr;gap:5vw;align-items:start}.clarity-number{font:italic 5.5rem/1 Georgia,serif;color:rgba(13,94,95,.2)}.clarity-list{list-style:none;margin:0;padding:0}.clarity-list li{display:grid;grid-template-columns:42px 1fr;gap:20px;padding:22px 0;border-top:1px solid rgba(10,56,57,.19)}.clarity-list li span{color:var(--teal);font-size:.75rem;font-weight:900}.clarity-list strong{font-family:Georgia,serif;font-size:1.45rem}.clarity-list p{margin:4px 0;color:var(--muted)}
.program-ledger{background:var(--paper)}.ledger{border-top:1px solid var(--line)}.ledger a{display:grid;grid-template-columns:.75fr 1.4fr auto;gap:30px;align-items:center;text-decoration:none;padding:27px 8px;border-bottom:1px solid var(--line);transition:.2s}.ledger a:hover{padding-left:20px;background:#fff}.ledger span{font:1.75rem Georgia,serif}.ledger small{color:var(--muted);font-size:.9rem}.ledger b{color:var(--teal);font-size:.78rem;text-transform:uppercase;letter-spacing:.1em}
.process{background:var(--night);color:#fff;padding:110px 0}.process-lead{display:grid;grid-template-columns:.25fr 1.05fr .7fr;gap:4vw;align-items:end}.process-lead .kicker{align-self:start}.process-lead h2{margin:0}.process-lead p{color:rgba(255,255,255,.63)}.process-track{display:grid;grid-template-columns:repeat(4,1fr);margin-top:70px;border-top:1px solid rgba(255,255,255,.2)}.process-track article{padding:30px 26px 20px 0;border-right:1px solid rgba(255,255,255,.16);min-height:190px}.process-track article:not(:first-child){padding-left:26px}.process-track span{color:var(--mint);font-size:.72rem;font-weight:900}.process-track h3{font:1.45rem Georgia,serif;margin:30px 0 7px}.process-track p{color:rgba(255,255,255,.57);font-size:.88rem}
.calculator-feature{background:#fff}.calculator-feature-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:7vw;align-items:center}.calc-visual{background:var(--forest);color:#fff;padding:40px;box-shadow:var(--shadow);transform:rotate(-1deg)}.calc-top{display:flex;justify-content:space-between;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em}.calc-top b{color:var(--mint)}.calc-total{font:4.7rem Georgia,serif;margin:50px 0 30px}.calc-total small{font:1rem Inter,Arial,sans-serif;color:rgba(255,255,255,.62)}.calc-bars{display:flex;gap:4px;height:12px}.calc-bars i{display:block;width:var(--w);background:var(--sea)}.calc-bars i:nth-child(2){background:var(--mint)}.calc-bars i:nth-child(3){background:var(--brass)}.calc-bars i:nth-child(4){background:#fff}.calc-key{display:flex;justify-content:space-between;gap:10px;margin-top:18px;font-size:.62rem;color:rgba(255,255,255,.58)}
.about-editorial{background:var(--paper)}.about-grid{display:grid;grid-template-columns:.45fr 1.2fr;gap:8vw;align-items:start}.about-mark{font:italic clamp(8rem,17vw,15rem)/.8 Georgia,serif;color:var(--fog);letter-spacing:-.12em}.about-editorial .quote{font-size:clamp(1.8rem,3.2vw,3rem);max-width:900px}.about-editorial p:not(.quote){color:var(--muted);max-width:700px}
.faq{background:#fff}.faq-grid{display:grid;grid-template-columns:.72fr 1.28fr;gap:8vw}.faq-grid>div:first-child p{color:var(--muted)}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line);padding:21px 4px}.faq-list summary{font:1.3rem Georgia,serif;cursor:pointer;list-style:none;display:flex;justify-content:space-between}.faq-list summary:after{content:'+';color:var(--teal)}.faq-list details[open] summary:after{content:'−'}.faq-list p{color:var(--muted);max-width:680px}.final-cta{background:var(--forest);color:#fff;padding:85px 0}.final-cta-in{display:flex;justify-content:space-between;gap:40px;align-items:center}.final-cta h2{margin-bottom:8px}.final-cta p{color:rgba(255,255,255,.66);margin:0}.footer-main{display:grid;grid-template-columns:1.5fr .7fr 1fr;gap:40px;padding-bottom:40px}.footer-main>div{display:flex;flex-direction:column;gap:8px}.footer-main strong{color:var(--mint);font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:8px}.compliance{padding-top:28px;border-top:1px solid rgba(255,255,255,.13);display:grid;grid-template-columns:1fr 1.7fr;gap:20px 55px}.compliance p{margin:0}.compliance p:last-child{grid-column:1/-1}.compliance a{color:var(--mint);text-decoration:underline;text-underline-offset:3px}
.quiz-page{background:var(--fog);min-height:100vh}.quiz-wrap{padding:70px 0 110px}.quiz-shell{background:#fff;display:grid;grid-template-columns:.52fr 1.48fr;min-height:560px;box-shadow:var(--shadow)}.quiz-aside{background:var(--night);color:#fff;padding:42px}.quiz-aside p{color:rgba(255,255,255,.63)}.quiz-progress{height:4px;background:rgba(255,255,255,.15);margin-top:40px}.quiz-progress i{display:block;height:100%;width:25%;background:var(--brass);transition:.3s}.quiz-main{padding:55px}.quiz-step{display:none}.quiz-step.active{display:block}.quiz-step h2{font-size:2.8rem}.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:30px 0}.choice{border:1px solid var(--line);background:var(--paper);padding:20px;text-align:left;cursor:pointer;font-weight:700}.choice:hover,.choice.selected{border-color:var(--sea);background:var(--fog);box-shadow:inset 3px 0 var(--sea)}.quiz-nav{display:flex;justify-content:space-between;margin-top:32px}.quiz-nav button{background:none;border:0;color:var(--teal);font-weight:800;cursor:pointer}.quiz-summary{background:var(--paper);padding:22px;margin:25px 0}.resource-intro{max-width:760px}.resource-index{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);margin-top:50px}.resource-index a{padding:25px 18px 25px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:800}.resource-index a:not(:last-child){border-right:1px solid var(--line);padding-left:18px}.guide{display:grid;grid-template-columns:.5fr 1.5fr;gap:8vw;padding:75px 0;border-top:1px solid var(--line)}.guide h2{margin-top:0}.guide-body p,.guide-body li{color:var(--muted)}.guide-body h3{font-family:Georgia,serif;font-size:1.5rem;margin-top:35px}
@media(max-width:900px){.conversion-grid{grid-template-columns:1fr;min-height:auto}.hero-copy{padding-bottom:20px}.hero-portrait{width:min(480px,88vw);margin:auto}.hero-portrait figcaption{left:-10px}.trust-in{overflow:auto;justify-content:flex-start;padding:0 4vw}.trust-in span{white-space:nowrap}.trust-in span:not(:last-child):after{margin-left:30px}.journey-layout,.clarity-layout,.process-lead,.calculator-feature-grid,.faq-grid,.quiz-shell,.guide{grid-template-columns:1fr}.journey-intro{padding-right:0}.journey-picker{border:1px solid var(--line)}.journey-answer{padding-left:0}.clarity-number{display:none}.process-track{grid-template-columns:1fr 1fr}.about-grid{grid-template-columns:.25fr 1fr}.footer-main{grid-template-columns:1fr 1fr}.footer-main .brand{grid-column:1/-1}.compliance{grid-template-columns:1fr}.compliance p:last-child{grid-column:auto}.quiz-main{padding:35px}.resource-index{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.conversion-hero h1{font-size:3.3rem}.hero-portrait figcaption{position:relative;left:0;bottom:auto;width:100%}.credential-line{display:grid;gap:5px}.journey-intro h2,.quiz-step h2{font-size:2.35rem}.process-track,.choice-grid,.resource-index{grid-template-columns:1fr}.process-track article{border-right:0;border-bottom:1px solid rgba(255,255,255,.16);padding-left:0!important}.ledger a{grid-template-columns:1fr auto}.ledger small{grid-column:1/-1}.about-grid{grid-template-columns:1fr}.about-mark{font-size:9rem}.final-cta-in{display:block}.final-cta .btn{margin-top:22px}.footer-main{grid-template-columns:1fr}.footer-main .brand{grid-column:auto}.calc-total{font-size:3.6rem}.calc-key{display:grid;grid-template-columns:1fr 1fr}.quiz-aside,.quiz-main{padding:28px}}

/* Forms and long-form editorial pages */
.field textarea{width:100%;border:1px solid var(--line);border-radius:4px;padding:13px;background:var(--paper);color:var(--ink);font:inherit;resize:vertical}.choice-grid.needs-answer{animation:nudge .35s ease}.optional{color:var(--muted);font-size:.68rem}.legal-page{padding:80px 0 110px;max-width:900px}.legal-page section{padding:15px 0 35px;border-bottom:1px solid var(--line)}.legal-page h2{font-size:2.3rem}.legal-page p{color:var(--muted)}.legal-page a{color:var(--teal)}
@keyframes nudge{25%{transform:translateX(-6px)}50%{transform:translateX(6px)}75%{transform:translateX(-3px)}}
.hp-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important;pointer-events:none!important}