:root{--navy:#082B63;--navy-2:#0d3a80;--navy-d:#051d44;--ink-d:#030f26;--gold:#D4A12B;--gold-l:#e8bf5a;--gold-d:#9a7012;--gray:#F5F7FA;--line:#e3e8f0;--ink:#1a2233;--muted:#5b6578;--r:16px;--shadow:0 20px 50px rgba(5,29,68,.14);--serif:"Fraunces",Georgia,serif;--sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:400 17px/1.65 var(--sans);color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:var(--navy);text-underline-offset:3px}a:hover{color:var(--gold-d)}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.08;color:var(--navy);margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.4rem,5.6vw,4.4rem)}h2{font-size:clamp(1.8rem,3.4vw,2.8rem)}h3{font-size:1.3rem;letter-spacing:-.01em}h4{font:600 .78rem var(--sans);letter-spacing:.14em;text-transform:uppercase;margin:0 0 .6em;color:var(--gold-d)}
h1 em,h2 em{font-style:italic;color:var(--gold)}
p{margin:0 0 1em}.wrap{max-width:1200px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}.center{text-align:center}.muted{color:var(--muted)}
.eyebrow{font:600 .76rem var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gold-d);margin-bottom:1em}
.fine{font-size:.76rem;line-height:1.55;color:var(--muted);margin-top:14px}.dark .fine,.stats .fine{color:rgba(255,255,255,.55)}
.site-header{position:fixed;top:0;left:0;right:0;z-index:50;transition:background .3s,box-shadow .3s,border-color .3s;border-bottom:1px solid transparent}
.site-header.solid,.nav-open .site-header{background:rgba(3,15,38,.92);backdrop-filter:blur(14px);border-color:rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff}.brand .mark{width:44px;height:33px;color:#fff}
.brand b{display:block;font:500 1.2rem/1.05 var(--serif);color:#fff}.brand small{display:block;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.links{display:flex;align-items:center;gap:22px}.links a{text-decoration:none;color:rgba(255,255,255,.86);font-weight:500;font-size:.92rem}.links a:hover{color:#fff}.links a[aria-current]{color:#fff;box-shadow:inset 0 -2px var(--gold)}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer}.menu-btn span{display:block;width:24px;height:2px;background:#fff;margin:5px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:15px 28px;border-radius:999px;font:600 1rem var(--sans);text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .2s,background .2s,box-shadow .2s,color .2s}
.btn:hover{transform:translateY(-2px)}.btn.sm{padding:10px 18px;font-size:.88rem}.btn.full{width:100%}.btn:disabled{opacity:.6;cursor:wait}
.btn-gold{background:linear-gradient(135deg,var(--gold-l),var(--gold));color:var(--ink-d)!important}.btn-gold:hover{box-shadow:0 12px 30px rgba(212,161,43,.4)}
.btn-navy{background:var(--navy);color:#fff!important}.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:none}.btn-outline-light{border-color:rgba(255,255,255,.5);color:#fff!important}.btn-outline-light:hover{background:rgba(255,255,255,.1)}.btn-ghost-light{border-color:var(--navy);color:var(--navy)}
.hero{position:relative;min-height:100vh;display:flex;align-items:center;padding:120px 0 90px;color:#fff;background:var(--ink-d) url(/img/hero.webp) center/cover no-repeat;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,15,38,.88) 0%,rgba(3,15,38,.62) 45%,rgba(3,15,38,.25) 100%),linear-gradient(0deg,rgba(3,15,38,.7),transparent 40%);z-index:1}
.hero-media{position:absolute;inset:0}.hero-media video{width:100%;height:100%;object-fit:cover}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center;position:relative;z-index:2}
.hero h1,.page-hero h1{color:#fff}.hero .eyebrow,.page-hero .eyebrow{color:var(--gold)}
.lead{font-size:1.18rem;color:rgba(255,255,255,.86);max-width:620px}.narrow .lead{margin:0 auto 1em}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}
.trust{list-style:none;padding:0;margin:20px 0 0;display:flex;flex-wrap:wrap;gap:8px 24px;font-size:.92rem;color:rgba(255,255,255,.85)}
.trust li,.checks li{display:flex;gap:10px;align-items:flex-start}.ic{width:20px;height:20px;flex:none;color:var(--gold);margin-top:3px}
.scroll-cue{position:absolute;bottom:28px;left:50%;transform:translateX(-50%);z-index:2;width:26px;height:42px;border:1.5px solid rgba(255,255,255,.5);border-radius:20px}.scroll-cue span{position:absolute;left:50%;top:8px;width:4px;height:8px;margin-left:-2px;background:var(--gold);border-radius:2px;animation:cue 1.8s infinite}
@keyframes cue{0%{opacity:0;transform:translateY(0)}40%{opacity:1}100%{opacity:0;transform:translateY(14px)}}
.page-hero{position:relative;padding:170px 0 110px;color:#fff;background:var(--ink-d) var(--bg) center/cover no-repeat}
.page-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,15,38,.9),rgba(3,15,38,.6) 60%,rgba(3,15,38,.35)),linear-gradient(0deg,rgba(3,15,38,.6),transparent 50%)}
.page-hero .wrap{position:relative;z-index:1}.byline{color:rgba(255,255,255,.7);font-size:.9rem}.crumbs{font-size:.85rem;color:rgba(255,255,255,.7);margin-bottom:18px}.crumbs a{color:rgba(255,255,255,.85)}
.section{padding:100px 0}.section.tight{padding:60px 0}.section.alt{background:var(--gray)}.section.dark{background:radial-gradient(1200px 600px at 80% -10%,#0d3a80 0%,var(--navy-d) 45%,var(--ink-d) 100%);color:rgba(255,255,255,.85)}
.dark h2,.dark h3{color:#fff}.dark .eyebrow{color:var(--gold)}.dark a:not(.btn){color:var(--gold-l)}
.section-head{max-width:760px;margin:0 auto 52px;text-align:center}.section-head p:last-child{color:var(--muted)}.dark .section-head p:last-child{color:rgba(255,255,255,.7)}
.split-head{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:end;margin-bottom:40px}.split-head p{color:rgba(255,255,255,.75);margin:0}
.stats{background:var(--ink-d);color:#fff;padding:70px 0 40px;border-top:1px solid rgba(255,255,255,.06)}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}.stat{border-left:1px solid rgba(212,161,43,.35);padding-left:22px}.stat b{display:block;font:500 clamp(2.4rem,4vw,3.4rem)/1 var(--serif);color:var(--gold-l);margin-bottom:10px}.stat span{font-size:.92rem;color:rgba(255,255,255,.72)}.stat sup{color:var(--gold)}
.jobs{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.job{padding:34px 28px;border:1px solid var(--line);border-radius:var(--r);background:#fff;transition:.3s}.job:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.feat-ic{width:44px;height:44px;color:var(--gold);margin-bottom:18px}.job p{color:var(--muted);margin:0}
.duo{display:grid;grid-template-columns:1fr 1fr;gap:24px}.duo-card{position:relative;min-height:520px;border-radius:24px;overflow:hidden;display:flex;align-items:flex-end;text-decoration:none;color:#fff;background:var(--ink-d) var(--bg) center/cover;isolation:isolate}
.duo-card::before{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(3,15,38,.95) 10%,rgba(3,15,38,.35) 60%,rgba(3,15,38,.1));z-index:-1;transition:.4s}.duo-card:hover::before{background:linear-gradient(0deg,rgba(3,15,38,.97) 20%,rgba(3,15,38,.55) 70%,rgba(3,15,38,.25))}
.duo-card>div{padding:40px}.duo-card h3{color:#fff;font-size:clamp(1.6rem,2.6vw,2.2rem)}.duo-card p{color:rgba(255,255,255,.8)}.duo-card .eyebrow{color:var(--gold)}.more{color:var(--gold);font-weight:600;font-size:.95rem}
.strat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.strat{display:block;padding:30px 26px;border-radius:var(--r);background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:.3s}.strat:hover{transform:translateY(-6px);box-shadow:var(--shadow);color:var(--ink)}.strat p{color:var(--muted);font-size:.95rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow);color:var(--ink)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.split>*,.article-grid>*,.hero-grid>*{min-width:0}
.rounded{border-radius:24px;box-shadow:var(--shadow);width:100%;object-fit:cover;max-height:620px}
.checks,.x{list-style:none;padding:0;margin:0 0 1.4em;display:grid;gap:12px}.x li::before{content:"–";color:var(--muted);margin-right:10px}
.table-wrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--line);background:#fff;margin-bottom:12px;box-shadow:0 10px 30px rgba(5,29,68,.06)}
.compare{width:100%;border-collapse:collapse;min-width:600px;font-size:.95rem}.compare th,.compare td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;color:var(--ink)}
.compare thead th{background:var(--navy-d);color:#fff;font:500 1.02rem var(--serif)}.compare td:first-child{font-weight:600;color:var(--navy)}.compare tr:last-child td{border-bottom:0}
.compare th.hl{background:linear-gradient(135deg,var(--gold-l),var(--gold));color:var(--ink-d)}.compare td.hl{background:#fdf8ea;font-weight:500}
.carriers-band{overflow:hidden}.marquee{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);margin:10px 0 40px}.track{display:flex;gap:56px;width:max-content;animation:mq 40s linear infinite}.track span{font:500 1.5rem var(--serif);color:rgba(255,255,255,.8);white-space:nowrap}
@keyframes mq{to{transform:translateX(-50%)}}
.quiz-band{position:relative;border-radius:28px;overflow:hidden;padding:80px 60px;background:var(--ink-d) var(--bg) center 30%/cover;color:#fff;isolation:isolate}.quiz-band::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,15,38,.92),rgba(3,15,38,.5) 70%,rgba(3,15,38,.2));z-index:-1}.quiz-band h2{color:#fff}.quiz-band .eyebrow{color:var(--gold)}.quiz-band>div{max-width:520px}.quiz-band p{color:rgba(255,255,255,.82)}
.author-band{display:grid;grid-template-columns:280px 1fr 200px;gap:56px;align-items:center}
.headshot{width:280px;height:330px;object-fit:cover;object-position:top;border-radius:var(--r);box-shadow:var(--shadow);border-bottom:4px solid var(--gold);background:var(--gray)}
.book img{border-radius:6px;box-shadow:0 20px 50px rgba(0,0,0,.3);transform:rotate(-3deg)}
.author{display:flex;gap:18px;align-items:flex-start;margin-top:44px}.author img{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:top;border:2px solid var(--gold);flex:none}.author p{margin:4px 0 0;font-size:.95rem}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.post-card{display:block;padding:30px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);background:#fff;transition:.3s}.post-card:hover{box-shadow:var(--shadow);transform:translateY(-4px);color:var(--ink)}.post-card p{color:var(--muted);font-size:.95rem}.post-card.feature{background:linear-gradient(160deg,#fff,#f7f2e4)}
.tag{display:inline-block;font:600 .7rem var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);margin-bottom:10px}.tag.light{color:var(--gold)}
.faq-list{max-width:840px;margin:0 auto}.faq{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:20px 36px 20px 0;font-weight:600;color:var(--navy);position:relative}.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:16px;font-size:1.5rem;color:var(--gold);transition:.2s}.faq[open] summary::after{transform:rotate(45deg)}.faq p{color:var(--muted);padding-bottom:14px}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:64px;padding:80px 20px}
.prose h2{margin-top:1.8em;font-size:1.9rem}.prose ul:not(.checks):not(.x),.prose ol{padding-left:1.3em}.prose li{margin-bottom:8px}.prose .table-wrap{margin:18px 0}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:24px}.pc h3{font-size:1.15rem}
.side{display:grid;gap:24px;align-self:start;position:sticky;top:100px}.toc,.related{display:grid;gap:8px;font-size:.92rem;padding:22px}.toc a,.related a{text-decoration:none}
.lead-form{color:var(--ink)}.lead-form h3{margin-bottom:.3em;color:var(--navy)}.lead-form .muted{font-size:.93rem}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
.lead-form label{display:grid;gap:6px;font-size:.84rem;font-weight:600;color:var(--navy)}.lead-form label.full{grid-column:1/-1}.opt{font-weight:400;color:var(--muted)}
.lead-form input,.lead-form select,.lead-form textarea{font:400 1rem var(--sans);padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);width:100%}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(8,43,99,.12)}
.lead-form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.74rem;line-height:1.45;color:var(--muted);margin-bottom:16px}.consent input{width:18px;height:18px;margin-top:2px;flex:none}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}.form-msg{margin:12px 0 0;font-size:.92rem;font-weight:600}.form-msg.err{color:#b42318}.invalid{border-color:#d92d20!important}.contact-card{margin:28px 0}
.hero-form .lead-form{background:rgba(255,255,255,.97);backdrop-filter:blur(10px)}
.floor-widget{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:24px;padding:28px}
.fw-controls{display:flex;flex-wrap:wrap;gap:24px;align-items:center;margin-bottom:20px}.fw-controls label{display:grid;gap:6px;font-size:.82rem;color:rgba(255,255,255,.75);font-weight:600}
.fw-controls select{background:var(--ink-d);color:#fff;border:1px solid rgba(255,255,255,.25);border-radius:8px;padding:8px 12px;font:inherit}.fw-controls input[type=range]{width:200px;accent-color:var(--gold)}.fw-controls b{color:var(--gold-l)}
.fw-legend{margin-left:auto;display:flex;gap:18px;font-size:.85rem}.lg::before{content:"";display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}.lg.mk::before{background:#8aa4d6}.lg.iu::before{background:var(--gold)}
.fw-chart svg{width:100%;height:auto;display:block}.fw-chart text{font:11px var(--sans);fill:rgba(255,255,255,.6)}
.fw-stats{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:20px}.fw-stats div{background:rgba(255,255,255,.05);border-radius:12px;padding:14px 16px}.fw-stats span{display:block;font-size:.75rem;color:rgba(255,255,255,.6);margin-bottom:4px}.fw-stats b{font:500 1.35rem var(--serif);color:#fff}
.flow{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:f}.flow li{position:relative;padding:32px;border-radius:var(--r);border:1px solid var(--line);background:#fff}.flow li span{display:inline-flex;width:40px;height:40px;border-radius:50%;align-items:center;justify-content:center;background:var(--navy-d);color:var(--gold);font:500 1.1rem var(--serif);margin-bottom:14px}.flow p{color:var(--muted);margin:0}
.calc{display:grid;grid-template-columns:1fr 1.3fr;gap:32px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:24px;padding:32px}
.calc-in{display:grid;grid-template-columns:1fr 1fr;gap:16px}.calc-in label{display:grid;gap:6px;font-size:.82rem;font-weight:600;color:rgba(255,255,255,.75)}.calc-in input{background:var(--ink-d);color:#fff;border:1px solid rgba(255,255,255,.25);border-radius:10px;padding:12px;font:500 1.05rem var(--sans)}.calc-in small{font-weight:400;color:rgba(255,255,255,.5)}
.calc-out{display:grid;gap:14px}.calc-out .opt{border-radius:16px;padding:20px 24px;background:rgba(255,255,255,.06);display:grid;grid-template-columns:1fr auto;align-items:center;gap:2px 16px}.calc-out h3{margin:0;font-size:1.1rem}.calc-out b{font:500 2rem var(--serif);color:#fff;grid-row:span 2}.calc-out span{font-size:.82rem;color:rgba(255,255,255,.6)}.calc-out .opt.hl{background:linear-gradient(135deg,rgba(232,191,90,.22),rgba(212,161,43,.08));border:1px solid rgba(212,161,43,.5)}.calc-out .opt.hl b{color:var(--gold-l)}
.duo-text{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.buckets{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.bucket{padding:34px;border-radius:var(--r);border:1px solid var(--line);background:#fff}.bucket p{color:var(--muted)}.bucket b{font:500 1.3rem var(--serif);color:var(--navy)}.bucket.hl{background:var(--navy-d);color:#fff;border:0;box-shadow:var(--shadow)}.bucket.hl h3{color:#fff}.bucket.hl p{color:rgba(255,255,255,.75)}.bucket.hl b{color:var(--gold-l)}
.steps-list{padding-left:1.2em}.steps-list li{margin-bottom:14px}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:44px;justify-content:center}.chips a{padding:9px 18px;border-radius:999px;border:1px solid var(--line);text-decoration:none;font-size:.9rem;font-weight:500;background:#fff}.chips a:hover{border-color:var(--gold);color:var(--gold-d)}
.strategy-list{display:grid;gap:22px}.strategy{scroll-margin-top:100px}.st-head{display:flex;gap:18px;align-items:center;margin-bottom:18px}.st-head .feat-ic{margin:0}.st-head h2{font-size:1.7rem;margin:0}.num{font:600 .75rem var(--sans);letter-spacing:.14em;color:var(--gold-d)}
.st-body{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}.st-body p{color:var(--muted);margin:0;font-size:.96rem}
.myths{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.myth h3{font-size:1.35rem}.myth p{color:var(--muted);font-size:.95rem}
.quiz{padding:40px}.q-progress{height:6px;background:var(--line);border-radius:6px;overflow:hidden;margin-bottom:28px}.q-progress span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold-l),var(--gold));transition:width .4s}
.q h3{font-size:1.6rem;margin-bottom:20px}.q-opts{display:grid;gap:12px}.q-opts button{text-align:left;padding:18px 22px;border-radius:14px;border:1.5px solid var(--line);background:#fff;font:500 1rem var(--sans);color:var(--ink);cursor:pointer;transition:.2s}.q-opts button:hover{border-color:var(--gold);background:#fdf8ea}
.q-result .lead-form{margin-top:28px;box-shadow:none}
.cta-band{position:relative;padding:110px 0;background:var(--ink-d) var(--bg) center/cover;color:#fff;isolation:isolate}.cta-band::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,15,38,.93),rgba(3,15,38,.7));z-index:-1}.cta-band h2{color:#fff}.cta-band .eyebrow{color:var(--gold)}.cta-band p{color:rgba(255,255,255,.8);margin:0;max-width:620px}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:40px}.cta-actions{display:flex;gap:12px;flex-wrap:wrap;flex:none}
.site-footer{background:var(--ink-d);color:rgba(255,255,255,.72);padding:70px 0 100px;font-size:.92rem}.site-footer a{color:rgba(255,255,255,.85);text-decoration:none;display:block;margin-bottom:8px}.site-footer a:hover{color:var(--gold)}
.site-footer .brand{display:flex;margin-bottom:16px}.site-footer .muted{color:rgba(255,255,255,.55)}.site-footer h4{color:var(--gold)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
.disclaimer{font-size:.74rem;line-height:1.65;color:rgba(255,255,255,.5);border-top:1px solid rgba(255,255,255,.1);padding-top:24px}.copy{font-size:.8rem;color:rgba(255,255,255,.5)}
.mobile-cta{display:none}
.guide-hero{padding-top:150px}.guide-cover{width:300px;max-width:70%;height:auto;border-radius:8px;box-shadow:0 30px 60px rgba(0,0,0,.5);margin-top:28px;transform:rotate(-2deg)}.guide-cover.big{width:340px;max-width:100%;margin:0 auto;display:block}
@media (max-width:1100px){.guide-hero .guide-cover{display:none}}
.reveal{opacity:0;transform:translateY(26px);transition:opacity .8s ease,transform .8s cubic-bezier(.2,.7,.2,1)}.reveal.in{opacity:1;transform:none}.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.track{animation:none}.scroll-cue span{animation:none}}
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@media (max-width:720px){body{font-size:16px}.section{padding:64px 0}.hero{min-height:auto;padding:110px 0 70px}.page-hero{padding:130px 0 70px}
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