@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:wght@500;600;700&display=swap');
:root{--navy:#0d2237;--blue:#193e59;--gold:#c9a55d;--cream:#f6f1e8;--ink:#15212d;--muted:#586674;--line:#dce2e6;--serif:'Playfair Display',Georgia,serif;--sans:'DM Sans',Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font:1rem/1.65 var(--sans);color:var(--ink);background:#fff}h1,h2,h3,p{margin-top:0}h1,h2{font-family:var(--serif);font-weight:600;line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(2.6rem,5.4vw,5rem)}h2{font-size:clamp(2rem,3.6vw,3rem)}h3{font-size:1.2rem;line-height:1.4;color:var(--navy)}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}a,button,input,select,summary,textarea{outline-offset:5px}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--gold)}button{cursor:pointer}img{max-width:100%;display:block}input,select,textarea{max-width:100%}[hidden]{display:none!important}.wrap{width:min(1200px,calc(100% - 48px));margin:auto}.small{font-size:.875rem}.muted{color:var(--muted)}.eyebrow{text-transform:uppercase;letter-spacing:.15em;font-size:.8rem;font-weight:700;color:#856323;margin-bottom:15px}.dark .eyebrow,.hero .eyebrow{color:var(--gold)}.skip{position:fixed;top:-100px;left:20px;z-index:100;background:#fff;padding:12px}.skip:focus{top:12px}.topbar{background:#071725;color:#d2dee7;font-size:.875rem}.topbar .wrap{display:flex;justify-content:space-between;padding:8px 0}.topbar a:hover{text-decoration:underline}.topbar-links{display:flex;gap:24px}.site-header{background:rgba(255,255,255,.98);position:sticky;top:0;z-index:40;border-bottom:1px solid var(--line)}.nav-row{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:12px;font-weight:700;color:var(--navy);white-space:nowrap;font-size:1.1rem;line-height:1.35}.mark{width:45px;height:45px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:var(--serif);font-size:1.5rem;border-radius:8px}.brand small{display:block;font-size:.75rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}.nav-links{display:flex;align-items:center;gap:22px;font-size:.9rem;font-weight:600}.nav-links>a,.nav-group>summary{padding:29px 0}.nav-group>summary{list-style:none;cursor:pointer}.nav-group>summary::-webkit-details-marker{display:none}.nav-group>summary:after{content:'⌄';font-size:1rem;margin-left:6px}.nav-group[open]>summary{color:#856323}.mega{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 28px 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h1{font-size:clamp(2.25rem,4vw,3.5rem)}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:70px;align-items:start}.article{max-width:800px}.article section{margin-bottom:42px}.article h2{font-size:1.8rem;letter-spacing:-.02em}.article p{color:#3b4b59}.article ul{padding-left:22px}.article li{margin:9px 0}.aside{position:sticky;top:117px;background:#f5f7f8;border:1px solid var(--line);border-radius:7px;padding:24px}.aside h3{margin-bottom:15px}.aside a{display:block;margin:10px 0;font-size:.94rem}.aside .button{margin-top:22px}.aside .small{margin-top:14px}.callout{padding:25px;border-left:4px solid var(--gold);background:var(--cream);margin:30px 0}.cta{background:var(--gold);padding:46px;border-radius:8px;display:flex;justify-content:space-between;gap:24px;align-items:center}.cta h2{color:var(--navy);margin:0 0 8px;font-size:2.25rem}.cta p{margin:0;color:#354354}.footer{background:#071725;color:#c7d2dc;padding:58px 0 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var(--gold);outline-offset:1px}textarea{min-height:130px;resize:vertical}label{cursor:pointer}.field label{display:block;font-size:.875rem;font-weight:600;margin:0 0 6px}.field .hint{font-size:.8rem;color:var(--muted);display:block;margin-top:5px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field.full{grid-column:1/-1}.tool{display:grid;grid-template-columns:1.15fr .85fr;border:1px solid var(--line);border-radius:9px;overflow:hidden;align-items:stretch}.tool-inputs{padding:32px}.tool-result{background:var(--navy);color:#fff;padding:34px}.tool-result h2{font-family:var(--sans);font-size:1rem;font-weight:500;color:#cedae4;letter-spacing:0}.big-result{font-family:var(--serif);font-size:clamp(2.4rem,4vw,3.3rem);color:var(--gold);line-height:1.2;margin:20px 0}.result-row{display:flex;justify-content:space-between;gap:20px;padding:12px 0;border-bottom:1px solid #ffffff25;font-size:.9rem}.result-row 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@media(max-width:1120px){.nav-links{gap:14px}.brand{font-size:1rem}.nav-row{gap:12px}.hero-grid{gap:38px}.hero h1{font-size:4rem}}
@media(max-width:1000px){.nav-toggle{display:block}.nav-links{display:none}.nav-links.is-open{display:flex;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:14px 24px;gap:0;max-height:80vh;overflow:auto;border-bottom:1px solid var(--line)}.nav-links>a,.nav-group>summary{padding:13px 0}.mega{position:static;box-shadow:none;padding:10px 10px 20px;grid-template-columns:1fr 1fr;max-height:none;border:0}.topbar-links a:nth-child(2){display:none}.content-grid{gap:34px;grid-template-columns:minmax(0,1fr) 260px}.cards{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.hero-grid{grid-template-columns:1fr;gap:32px}.hero h1{font-size:3.3rem}.hero{padding-top:42px}.portrait{max-width:460px;margin:auto}.portrait img{height:400px}.hero-trust{margin-top:26px;padding-bottom:8px}.hero p{font-size:1.05rem}.split,.content-grid,.tool{grid-template-columns:1fr}.aside{position:static}.section{padding:56px 0}.section-title{display:block}.section-title p{margin-top:20px}.list-links{grid-template-columns:repeat(2,1fr)}.cta{padding:28px;display:block}.cta .button{margin-top:22px}.steps{grid-template-columns:repeat(2,1fr)}.topbar .wrap>span{display:none}.topbar .wrap{justify-content:center}.footer-grid{gap:25px}.statement{padding:30px}.portrait-label{left:-4px}.wrap{width:calc(100% - 32px)}}
@media(max-width:480px){.cards,.steps,.field-grid,.list-links{grid-template-columns:1fr}.mega{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.hero h1{font-size:3rem}.hero-trust{gap:18px;flex-wrap:wrap}.nav-row{min-height:76px}.tool-inputs,.tool-result{padding:24px}.page-top{padding:34px 0}.topbar-links{gap:12px}.topbar{font-size:.8rem}.brand small{font-size:.7rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.site-header,.topbar,.footer,.cta,.actions,.aside,.print-button,.calc-links,.nav-toggle,.filters{display:none!important}.wrap{width:100%;margin:0}.section,.page-top{padding:15px 0}.content-grid,.tool{display:block}.tool-result{background:#fff;color:#111;border:1px solid #ccc}.tool-result h2,.tool-note{color:#333}.big-result{color:#111}.article section,.check-row{break-inside:avoid}body{font-size:11pt}.hero,.dark{background:#fff;color:#111}a{text-decoration:none}}