:root{
  --ivory:#f6f2ea; --paper:#fbf9f4; --ink:#1b1a18; --navy:#12213a; --stone:#b9ae9c; --stone-2:#e6dfd2;
  --brass:#a3894f; --brass-soft:#c9b98a; --muted:#6b665d;
  --serif:"Cormorant Garamond",Georgia,"Times New Roman",serif;
  --sans:Inter,-apple-system,"Segoe UI",Helvetica,Arial,sans-serif;
  --max:1180px; --gutter:clamp(18px,4vw,56px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ivory);color:var(--ink);font:400 17px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.08;margin:0 0 .4em;letter-spacing:-.005em}
h1{font-size:clamp(38px,6vw,72px)}
h2{font-size:clamp(30px,4vw,46px)}
h3{font-size:clamp(22px,2.4vw,28px)}
p{margin:0 0 1.1em}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 12px}
.skip:focus{left:8px;z-index:100}

/* header */
.site-header{position:sticky;top:0;z-index:40;display:flex;align-items:center;gap:28px;padding:18px var(--gutter);background:rgba(246,242,234,.94);backdrop-filter:blur(6px);border-bottom:1px solid var(--stone-2)}
.wordmark{font-family:var(--serif);font-size:24px;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;color:var(--navy);margin-right:auto}
.wordmark span{font-weight:600}
.site-nav{display:flex;gap:22px}
.site-nav a,.nav-cta{white-space:nowrap;font-size:12px;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;color:var(--ink)}
.site-nav a:hover{color:var(--brass)}
.nav-cta{border:1px solid var(--navy);padding:10px 16px;color:var(--navy)}
@media (max-width:1180px){.site-header{gap:18px}.site-nav{gap:16px}.wm-tag{display:none}.site-nav a,.nav-cta{font-size:11px;letter-spacing:.1em}}
.nav-cta:hover{background:var(--navy);color:var(--ivory)}
.wordmark{white-space:nowrap}
.nav-toggle{display:none;background:none;border:1px solid var(--navy);padding:8px 14px;font:500 12px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--navy)}
@media (max-width:1000px){
  .wordmark{font-size:19px}
  .site-nav,.nav-cta{display:none}
  .nav-toggle{display:block}
  .site-header.open{flex-wrap:wrap}
  .site-header.open .site-nav{display:flex;flex-direction:column;width:100%;gap:0;order:5;padding-top:14px;border-top:1px solid var(--stone-2);margin-top:14px}
  .site-header.open .site-nav a{padding:14px 0;border-bottom:1px solid var(--stone-2);font-size:15px}
  .site-header.open .nav-cta{display:inline-block;order:6;margin-top:16px;text-align:center}
}

/* layout helpers */
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.narrow{max-width:760px;margin:0 auto;padding:0 var(--gutter)}
section{padding:clamp(56px,9vw,120px) 0}
.kicker{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--brass);margin-bottom:14px;font-weight:600}
.dek{font-family:var(--serif);font-size:clamp(20px,2.2vw,26px);line-height:1.4;color:var(--muted);max-width:52ch}
.rule{width:56px;height:1px;background:var(--brass);margin:22px 0}
.btn{display:inline-block;padding:14px 26px;border:1px solid var(--navy);color:var(--navy);text-decoration:none;font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:500;transition:background .2s,color .2s}
.btn:hover{background:var(--navy);color:var(--ivory)}
.btn.solid{background:var(--navy);color:var(--ivory)}
.btn.solid:hover{background:var(--ink)}
.textlink{text-decoration:none;border-bottom:1px solid var(--brass);padding-bottom:2px;font-size:14px;letter-spacing:.08em;text-transform:uppercase;font-weight:500}
.reveal{opacity:0;transform:translateY(14px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* hero */
.hero{min-height:calc(100vh - 78px);display:grid;align-items:end;padding:0;background:var(--navy);color:var(--ivory);position:relative}
.hero .wrap{padding-bottom:clamp(48px,8vw,96px);padding-top:clamp(120px,18vw,220px)}
.hero h1{max-width:12ch;color:var(--ivory)}
.hero .dek{color:var(--stone)}
.hero .kicker{color:var(--brass-soft)}
.hero-paths{display:flex;flex-wrap:wrap;gap:14px 34px;margin-top:38px}
.hero-paths a{color:var(--ivory);text-decoration:none;font-size:13px;letter-spacing:.16em;text-transform:uppercase;border-bottom:1px solid var(--brass);padding-bottom:6px}
.hero-photo{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.hero-photo .slot{position:absolute;right:0;top:0;width:min(46vw,640px);height:100%;border-left:1px solid rgba(201,185,138,.25);display:flex;align-items:center;justify-content:center;color:rgba(246,242,234,.35);font:400 12px/1.5 var(--sans);letter-spacing:.14em;text-transform:uppercase;text-align:center;padding:24px}
@media (max-width:860px){.hero-photo .slot{display:none}.hero{min-height:auto}}

/* credibility strip */
.cred{background:var(--paper);border-top:1px solid var(--stone-2);border-bottom:1px solid var(--stone-2);padding:38px 0}
.cred .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:26px 20px}
.cred b{display:block;font-family:var(--serif);font-size:34px;font-weight:500;color:var(--navy);line-height:1}
.cred small{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:8px}
.cred .note{grid-column:1/-1;font-size:13px;color:var(--muted);margin:0}

/* two-column editorial */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,6vw,90px);align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr}}
.photo-slot{background:var(--stone-2);aspect-ratio:4/5;display:flex;align-items:end;padding:18px;color:var(--muted);font-size:12px;letter-spacing:.14em;text-transform:uppercase;line-height:1.5;max-width:100%}
.photo-slot.wide{aspect-ratio:16/9}
.photo-slot.bw{background:#d9d3c7}

/* process */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:34px 40px;margin-top:40px}
.steps div{border-top:1px solid var(--stone);padding-top:18px}
.steps div::before{counter-increment:s;content:"0" counter(s);display:block;font-family:var(--serif);font-size:30px;color:var(--brass);margin-bottom:8px}
.steps h3{font-size:24px}
.steps p{font-size:15.5px;color:var(--muted);margin:0}

/* services */
.services{background:var(--navy);color:var(--ivory)}
.services .kicker{color:var(--brass-soft)}
.services .dek{color:var(--stone)}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(201,185,138,.25);margin-top:44px;border:1px solid rgba(201,185,138,.25)}
.svc-grid a{background:var(--navy);padding:30px 26px;text-decoration:none;color:var(--ivory);display:block}
.svc-grid a:hover{background:#0d1a2e}
.svc-grid h3{font-size:24px;margin-bottom:8px}
.svc-grid p{font-size:15px;color:var(--stone);margin:0}
.svc-detail{border-top:1px solid var(--stone-2);padding:38px 0;display:grid;grid-template-columns:260px 1fr;gap:32px}
@media (max-width:760px){.svc-detail{grid-template-columns:1fr;gap:10px}}
.svc-detail h2{font-size:32px}
.svc-detail p{max-width:66ch}
.svc-detail .for{font-size:14px;color:var(--muted)}

/* stories */
.stories{background:var(--paper)}
.story{border-left:1px solid var(--brass);padding:6px 0 6px 26px;margin:30px 0}
.story p{font-family:var(--serif);font-size:22px;line-height:1.45;margin:0 0 8px}
.story small{font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:28px;margin-top:36px}
.cards.wide{max-width:var(--max);margin:36px auto 0;padding:0 var(--gutter)}
.card{display:block;background:var(--paper);border:1px solid var(--stone-2);padding:28px;text-decoration:none;color:var(--ink);transition:border-color .2s}
.card:hover{border-color:var(--brass)}
.card-kicker{display:block;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--brass);font-weight:600;margin-bottom:12px}
.card-title{display:block;font-family:var(--serif);font-size:26px;line-height:1.15;margin-bottom:12px}
.card-desc{display:block;font-size:15px;color:var(--muted);margin-bottom:16px}
.card-meta{display:block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}

/* founder */
.founder{border-top:1px solid var(--stone-2)}
.founder blockquote{font-family:var(--serif);font-size:clamp(24px,3vw,34px);line-height:1.3;margin:0 0 24px;font-style:italic}

/* final cta */
.paths{background:var(--paper);border-top:1px solid var(--stone-2)}
.paths-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:40px;margin-top:44px}
.paths-grid a{text-decoration:none;color:var(--ink);border-top:1px solid var(--navy);padding-top:18px;display:block}
.paths-grid .kicker{margin-bottom:8px}
.paths-grid h3{margin-bottom:6px}
.paths-grid span{font-size:14px;color:var(--muted)}

/* page head */
.page-head{padding-bottom:clamp(20px,4vw,40px)}
.page-head,.article{max-width:var(--max);margin:0 auto;padding-left:var(--gutter);padding-right:var(--gutter)}
.crumbs{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding-top:28px}
.crumbs a{text-decoration:none}

/* article */
.article{max-width:820px;padding-bottom:80px}
.article-head{padding-top:36px}
.article h1{font-size:clamp(34px,5vw,58px)}
.byline{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.byline a{text-decoration:none;border-bottom:1px solid var(--brass)}
.answer{background:var(--paper);border:1px solid var(--stone-2);border-left:3px solid var(--brass);padding:22px 26px;margin:28px 0 40px;font-size:17.5px}
.answer p{margin:0}
.prose{font-size:18px;line-height:1.75}
.prose h2{font-size:clamp(26px,3vw,36px);margin-top:1.6em}
.prose h3{margin-top:1.4em}
.prose p{max-width:70ch}
.prose ul,.prose ol{padding-left:22px;max-width:68ch}
.prose li{margin-bottom:.5em}
.prose blockquote{border-left:1px solid var(--brass);margin:1.6em 0;padding:4px 0 4px 24px;font-family:var(--serif);font-size:23px;line-height:1.4}
.prose table{border-collapse:collapse;width:100%;font-size:15px;margin:1.4em 0}
.prose th,.prose td{border-bottom:1px solid var(--stone-2);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.table-wrap{overflow-x:auto}
.prose .callout{background:var(--paper);border:1px solid var(--stone-2);padding:20px 24px;margin:1.6em 0;font-size:16.5px}
.prose .story{margin:1.8em 0}
.faq{padding:40px 0 10px;border-top:1px solid var(--stone-2);margin-top:40px}
.faq h2{font-size:30px}
.faq details{border-bottom:1px solid var(--stone-2);padding:14px 0}
.faq summary{cursor:pointer;font-family:var(--serif);font-size:22px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";color:var(--brass);font-size:26px;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq p{margin:12px 0 0;max-width:70ch;color:#3d3a34}
.sources{padding:30px 0 0;font-size:14px}
.sources h2{font-size:22px}
.sources ul{padding-left:18px}
.sources a{color:var(--navy)}
.author-box{border-top:1px solid var(--stone-2);border-bottom:1px solid var(--stone-2);padding:26px 0;margin:40px 0;font-size:15.5px}
.author-box p:last-child{margin:0}
.article-disclosure{font-size:13px;color:var(--muted);max-width:70ch}
.related{padding:40px 0 0}
.related h2{font-size:30px}
.related .cards{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.related .card-title{font-size:21px}

/* forms */
form{display:grid;gap:16px;max-width:560px}
label{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:14px;border:1px solid var(--stone);background:var(--paper);font:400 16px var(--sans);color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--brass);outline-offset:1px}
.consent{font-size:13px;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.consent input{width:auto;margin-top:4px}
.form-ok{font-family:var(--serif);font-size:24px}

/* credentials list */
.cred-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:32px;margin-top:30px}
.cred-list h3{font-size:22px;border-bottom:1px solid var(--stone);padding-bottom:8px}
.cred-list ul{list-style:none;padding:0;margin:0;font-size:15.5px}
.cred-list li{padding:7px 0;border-bottom:1px solid var(--stone-2)}

/* footer */
.site-footer{background:var(--ink);color:var(--stone);padding:64px var(--gutter) 40px}
.foot-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.foot-brand{font-family:var(--serif);font-size:24px;letter-spacing:.06em;text-transform:uppercase;color:var(--ivory);margin-bottom:10px}
.foot-tag{font-family:var(--serif);font-size:19px;color:var(--stone)}
.foot-contact{font-size:14.5px;line-height:1.8}
.foot-contact a{text-decoration:none;color:var(--ivory)}
.foot-h{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--brass-soft);margin-bottom:14px}
.site-footer a{display:block;color:var(--ivory);text-decoration:none;font-size:14.5px;padding:5px 0}
.site-footer a:hover{color:var(--brass-soft)}
.foot-sub{display:block;font-size:12.5px;color:var(--stone);margin-top:-4px}
.foot-disclosure{max-width:var(--max);margin:48px auto 0;font-size:12.5px;line-height:1.6;color:#9b9488;border-top:1px solid #2c2a26;padding-top:24px}
.foot-copy{max-width:var(--max);margin:12px auto 0;font-size:12.5px;color:#7b756a}

/* portraits */
.hero-portrait{position:absolute;right:clamp(16px,6vw,96px);bottom:0;margin:0;width:min(30vw,400px);pointer-events:none}
@media (min-width:861px){.hero .wrap{padding-right:min(38vw,520px)}}
.hero-portrait img{width:100%;height:auto;display:block;border-top:1px solid rgba(201,185,138,.55);border-left:1px solid rgba(201,185,138,.55);box-shadow:-30px 0 80px rgba(0,0,0,.35)}
@media (max-width:860px){.hero-portrait{position:static;width:min(72vw,320px);margin:0 auto 24px;pointer-events:auto}.hero .wrap{padding-top:40px}.hero-photo{position:static}}
.portrait{margin:0;max-width:100%}
.portrait img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;object-position:top;display:block}
.portrait.bw img{filter:grayscale(1) contrast(1.05)}
.portrait figcaption{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:10px}

.author-box{display:grid;grid-template-columns:96px 1fr;gap:22px;align-items:start}
.author-photo{width:96px;height:106px;object-fit:cover;object-position:top;display:block;filter:grayscale(1)}
@media (max-width:520px){.author-box{grid-template-columns:72px 1fr}.author-photo{width:72px;height:80px}}
.byline{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.byline-photo{width:34px;height:34px;border-radius:50%;object-fit:cover;object-position:top;display:inline-block}

/* cookie notice */
.cookie-notice{position:fixed;left:18px;bottom:18px;z-index:55;max-width:420px;background:var(--paper);border:1px solid var(--stone-2);box-shadow:0 14px 40px rgba(18,33,58,.18);padding:16px 18px;font-size:13.5px;line-height:1.5}
.cookie-notice p{margin:0 0 12px;color:var(--ink)}
.cookie-notice a{color:var(--navy)}
.cookie-actions{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}
.cookie-btn{background:var(--navy);color:var(--ivory);border:1px solid var(--navy);padding:9px 14px;font:500 12px var(--sans);letter-spacing:.12em;text-transform:uppercase;cursor:pointer}
.cookie-btn.ghost{background:transparent;color:var(--navy)}
@media (max-width:520px){.cookie-notice{left:12px;right:12px;bottom:70px;max-width:none}}

/* ---- logo mark + slogan (2026-09-10) */
.wordmark{display:flex;align-items:center;gap:12px}
.wordmark .mark{flex:none;color:var(--navy)}
.wm-text{display:flex;flex-direction:column;line-height:1.05}
.wm-name{font-size:22px;letter-spacing:.06em}
.wm-tag{font-family:var(--serif);font-style:italic;text-transform:none;letter-spacing:0;font-size:14px;color:var(--muted);margin-top:4px}
@media (max-width:860px){.wm-name{font-size:18px}.wm-tag{display:none}.wordmark .mark{width:32px;height:32px}}
.hero-tag{font-family:var(--serif);font-style:italic;font-size:22px;color:var(--brass-soft);margin:-6px 0 22px}

/* ---- Find your starting point */
.start{background:var(--paper);border-top:1px solid var(--stone-2)}
.start-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--stone-2);border:1px solid var(--stone-2);margin-top:36px}
.start-grid button{background:var(--ivory);border:0;text-align:left;padding:22px 20px;font:500 16px/1.35 var(--sans);color:var(--ink);cursor:pointer;transition:background .2s}
.start-grid button small{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.start-grid button:hover,.start-grid button[aria-pressed=true]{background:var(--navy);color:var(--ivory)}
.start-grid button[aria-pressed=true] small,.start-grid button:hover small{color:var(--brass)}
.start-panel{margin-top:32px;background:var(--navy);color:var(--ivory);padding:40px clamp(20px,4vw,56px);display:grid;grid-template-columns:1.2fr .8fr;gap:48px;border-top:1px solid var(--brass)}
.start-panel[hidden]{display:none}
.start-panel h3{font-size:34px;color:var(--ivory);margin:0 0 12px}
.start-panel p{color:var(--stone);font-size:16px}
.start-panel .kicker{color:var(--brass)}
.start-panel ul{list-style:none;padding:0;margin:0}
.start-panel li{padding:10px 0;border-top:1px solid rgba(201,185,138,.3);font-size:15px}
.start-panel li a{color:var(--ivory);text-decoration:none;border-bottom:1px solid var(--brass)}
.start-panel li small{display:block;color:var(--stone);font-size:13px;margin-top:3px}
.start-panel .btn{border-color:var(--brass);color:var(--ivory);margin-top:18px}
.start-panel .btn:hover{background:var(--brass);color:var(--navy)}
@media (max-width:860px){.start-panel{grid-template-columns:1fr;gap:28px}}
@media (max-width:640px){.start-grid{grid-template-columns:1fr}}

/* ---- booking / video / two ways */
.embed{background:var(--paper);border:1px solid var(--stone-2);min-height:720px;overflow:hidden}
.embed iframe{width:100%;height:760px;border:0;display:block}
.gate{background:var(--navy);color:var(--ivory);padding:40px clamp(20px,4vw,56px);border-top:1px solid var(--brass)}
.gate label{color:var(--stone)}
.gate input{background:rgba(255,255,255,.06);border-color:rgba(201,185,138,.4);color:var(--ivory)}
.gate .consent{color:var(--stone)}
.video-box{position:relative;background:#000;aspect-ratio:16/9;max-width:100%}
.video-box iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.video-box img{width:100%;height:100%;object-fit:cover;display:block;opacity:.85}
.video-box .coming{position:absolute;left:24px;bottom:24px;background:rgba(18,33,58,.9);color:var(--ivory);padding:12px 16px;font-size:13px;letter-spacing:.12em;text-transform:uppercase}
.two-ways{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--stone-2);border:1px solid var(--stone-2);margin-top:36px}
.two-ways a{background:var(--ivory);padding:32px 28px;text-decoration:none;color:var(--ink);display:block}
.two-ways a:hover{background:var(--paper)}
.two-ways h3{margin-bottom:8px}.two-ways p{font-size:15px;color:var(--muted);margin:0}
@media (max-width:700px){.two-ways{grid-template-columns:1fr}}
.army-figure img{aspect-ratio:3/4;object-fit:cover;object-position:top;filter:none}
.form-ok{background:var(--paper);border-left:2px solid var(--brass);padding:24px 28px;font-family:var(--serif);font-size:22px}
.plan-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:40px;margin-top:40px}
.plan-list > div{border-top:1px solid var(--navy);padding-top:18px}
.plan-list h3{margin-bottom:8px}.plan-list p{font-size:15px}
.plan-list .who{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:10px 0 0}

/* ---- tools index */
.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1px;background:var(--stone-2);border:1px solid var(--stone-2);margin-top:44px}
.tool-card{background:var(--ivory);padding:34px 30px 30px;display:flex;flex-direction:column;text-decoration:none;color:var(--ink)}
a.tool-card:hover{background:var(--paper)}
.tool-card h3{margin:6px 0 10px}
.tool-card p{font-size:15px;color:var(--muted);margin:0 0 18px}
.tool-go{margin-top:auto;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--brass)}
.tool-card.soon{opacity:.62}
.tool-card.soon .tool-go{color:var(--muted)}

/* ---- calculator */
.calc{display:grid;grid-template-columns:minmax(300px,400px) 1fr;gap:1px;background:var(--stone-2);border:1px solid var(--stone-2)}
.calc-inputs{background:var(--paper);padding:34px clamp(20px,3vw,32px)}
.calc-out{background:var(--ivory);padding:0 0 30px}
.eyebrow{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin:0 0 22px}
.cf{margin-bottom:22px}
.cf label{display:block;font-size:13px;letter-spacing:.06em;color:var(--muted);margin-bottom:6px}
.cf input[type=number]{width:100%;padding:11px 12px;border:1px solid var(--stone);background:var(--ivory);color:var(--ink);font:inherit;font-size:17px;font-variant-numeric:tabular-nums;border-radius:0}
.cf input[type=number]:focus{outline:2px solid var(--brass);outline-offset:1px}
.cf.range .top{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.cf.range .top label{margin-bottom:0}
.cf.range output{font-family:var(--serif);font-size:24px;color:var(--navy);font-variant-numeric:tabular-nums}
.cf.range input[type=range]{width:100%;margin:8px 0 0;accent-color:var(--brass)}
.cf.two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.cf.two label{margin-bottom:6px}
.chint{font-size:12.5px;line-height:1.5;color:var(--muted);margin:8px 0 0}
.calc-verdict{background:var(--navy);color:var(--ivory);padding:32px clamp(20px,3vw,36px);border-bottom:1px solid var(--brass)}
.calc-verdict .eyebrow{color:var(--brass-soft);margin-bottom:14px}
.calc-verdict h2{color:var(--ivory);margin:0 0 12px;font-size:clamp(26px,3.2vw,38px);text-wrap:balance}
.calc-verdict p{color:var(--stone);font-size:15.5px;margin:0;max-width:60ch}
.calc-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--stone-2);margin:0;border-bottom:1px solid var(--stone-2)}
.calc-stats > div{background:var(--ivory);padding:24px clamp(16px,2.4vw,28px)}
.calc-stats dt{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.calc-stats dd{margin:0;font-family:var(--serif);font-size:30px;color:var(--navy);font-variant-numeric:tabular-nums;line-height:1.1}
.calc-stats dd.big{font-size:44px;color:var(--brass)}
.calc-compare{padding:26px clamp(16px,2.4vw,28px) 0}
.calc-compare > div{display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:13px 0;border-bottom:1px solid var(--stone-2)}
.calc-compare span:first-child{font-size:14.5px;color:var(--muted)}
.calc-compare span:last-child{font-family:var(--serif);font-size:24px;color:var(--navy);font-variant-numeric:tabular-nums;white-space:nowrap}
.calc-note{font-size:12.5px;line-height:1.6;color:var(--muted);padding:18px clamp(16px,2.4vw,28px) 0;margin:0;max-width:70ch}
@media (max-width:900px){.calc{grid-template-columns:1fr}.calc-stats{grid-template-columns:1fr}}

/* ---- lead panel */
.panel-lead{background:var(--paper);border-top:1px solid var(--stone-2);border-bottom:1px solid var(--stone-2)}
.panel-lead form{margin-top:4px}
.panel-lead form > div{margin-bottom:16px}

/* ---- annuity panel */
.ann{display:grid;grid-template-columns:minmax(300px,400px) 1fr;gap:1px;background:var(--stone-2);border:1px solid var(--stone-2);border-top:0;margin-top:-1px}
.ann-opts{background:var(--paper);padding:34px clamp(20px,3vw,32px)}
.ann-out{background:var(--ivory);padding:34px 0 30px}
.ann-out .calc-compare{padding-top:0}
.ann-row{display:flex;gap:12px;align-items:flex-start;padding:16px 0 12px;border-top:1px solid var(--stone-2);cursor:pointer}
.ann-row input{margin-top:4px;accent-color:var(--brass);width:17px;height:17px;flex:none}
.ann-row span{font-size:14.5px;line-height:1.55;color:var(--muted)}
.ann-row b{color:var(--ink);font-weight:600}
.cf.small{margin:0 0 18px 29px}
.cf.small label{font-size:12px}
.cf.small input[type=number]{font-size:15px;padding:8px 10px;max-width:140px}
@media (max-width:900px){.ann{grid-template-columns:1fr}}
.calc-compare > div[hidden]{display:none}
.ann-row span{text-transform:none;letter-spacing:normal;font-family:var(--sans);font-weight:400}
.ann-row b{text-transform:none;letter-spacing:normal;font-size:15px}
.ann-opts .cf.small label{text-transform:none;letter-spacing:.02em;color:var(--muted)}

/* ---- home: larger hero + agency method block */
.hero-lg{min-height:calc(100vh - 78px)}
.hero-portrait.xl{right:clamp(8px,3vw,64px);bottom:0;top:auto;width:auto;
  height:min(74vh,780px)}
.hero-portrait.xl img{height:100%;width:auto;max-width:none;object-fit:cover;object-position:center top}
/* even vertical rhythm; no dead band between the header and the hero copy */
.hero-lg .wrap{padding-top:var(--heroGap);padding-bottom:var(--heroGap)}
.hero-lg{--heroGap:clamp(40px,6vh,84px);align-items:center}
.hero-lg .kicker{margin-bottom:var(--heroGap)}
.hero-lg h1{margin-bottom:calc(var(--heroGap) * .45)}
.hero-lg .hero-tag{margin:0 0 calc(var(--heroGap) * .45)}
.hero-lg .dek{margin-bottom:var(--heroGap)}
.hero-lg .hero-paths{margin-top:0}
@media (max-width:1100px){.hero-portrait.xl{height:min(62vh,560px);opacity:.55}}
/* mobile: stack the photo above the copy instead of hiding it */
@media (max-width:760px){
  .hero-lg{min-height:0;display:block}
  .hero-lg .hero-photo{position:static;inset:auto;overflow:visible}
  .hero-portrait.xl{position:static;width:100%;right:auto;bottom:auto;margin:0;opacity:1}
  .hero-portrait.xl img{width:100%;height:min(56vh,400px);object-fit:cover;object-position:center 15%;
    border-top:0;border-left:0;box-shadow:none;display:block}
  .hero-lg .wrap{padding-top:34px;padding-bottom:46px}
  .hero-lg h1{max-width:none}
}
.hero-lg h1{max-width:14ch}
.method{background:var(--paper);border-top:1px solid var(--stone-2);border-bottom:1px solid var(--stone-2)}
.method .dek{max-width:60ch}
.qsteps{list-style:none;counter-reset:q;padding:0;margin:40px 0 0;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1px;
  background:var(--stone-2);border:1px solid var(--stone-2)}
.qsteps li{counter-increment:q;background:var(--ivory);padding:28px 26px 26px;position:relative}
.qsteps li::before{content:counter(q);display:block;font-family:var(--serif);font-size:34px;
  line-height:1;color:var(--brass);margin-bottom:14px}
.qsteps b{display:block;font-size:17px;margin-bottom:7px;color:var(--ink)}
.qsteps span{font-size:14.5px;line-height:1.6;color:var(--muted)}
.ask-book{display:inline-block;background:var(--brass);color:var(--navy);text-decoration:none;
  padding:9px 15px;font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;border-radius:2px}
.ask-book:hover{background:var(--brass-soft)}

/* ---- rate table */
.ratewrap{margin-top:40px;overflow-x:auto}
table.rates{width:100%;max-width:640px;border-collapse:collapse;font-variant-numeric:tabular-nums}
table.rates caption{text-align:left;font-size:12px;letter-spacing:.14em;text-transform:uppercase;
  color:var(--muted);padding-bottom:12px}
table.rates th,table.rates td{text-align:right;padding:13px 18px;border-bottom:1px solid var(--stone-2);font-size:17px}
table.rates thead th{font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);
  font-weight:600;border-bottom:1px solid var(--navy)}
table.rates tbody th{text-align:left;font-weight:500;font-size:16px}
table.rates tbody tr:last-child td,table.rates tbody tr:last-child th{border-bottom:2px solid var(--navy)}
table.rates tbody tr:last-child td{color:var(--brass);font-weight:600}
.ratesrc{font-size:12.5px;line-height:1.6;color:var(--muted);margin:14px 0 0;max-width:70ch}

/* ---------- scoreboard (/leaderboard/) ---------- */
.sb{margin:0 0 40px}
.sb .eyebrow{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);margin:0 0 6px}
.sb-note{color:var(--muted);font-size:14px;margin:8px 0}
.sb-err{color:#8c2f1f;font-size:14px;margin:8px 0}
.sb-ok{color:var(--brass);font-size:13px;margin-left:10px}
.sb-h{margin:0}
.sb-sub{font-size:clamp(20px,2.2vw,26px);margin:34px 0 14px}
.sb-link{background:none;border:0;padding:0;font:inherit;color:var(--navy);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.sb-link:hover{color:var(--brass)}

.sb-gate{max-width:380px;border:1px solid var(--stone-2);background:var(--paper);padding:26px 24px}
.sb-gate h2,.sb-gate h3{margin:0 0 6px}
.sb-gate label{display:block;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:14px 0 5px}
.sb-gate input{width:100%;padding:11px 12px;border:1px solid var(--stone);background:#fff;font:400 16px var(--sans)}
.sb-gate button{margin-top:16px;background:var(--navy);color:var(--ivory);border:0;padding:12px 22px;font:500 12px var(--sans);letter-spacing:.12em;text-transform:uppercase;cursor:pointer}
.sb-gate button:hover{background:var(--brass)}

.sb-top{display:flex;flex-wrap:wrap;gap:16px;align-items:flex-end;justify-content:space-between;border-bottom:1px solid var(--stone-2);padding-bottom:14px}
.sb-who{font-size:13px;color:var(--muted)}
.sb-tabs{display:flex;flex-wrap:wrap;gap:0;margin:0 0 18px;border-bottom:1px solid var(--stone-2)}
.sb-tab{background:none;border:0;border-bottom:2px solid transparent;padding:14px 18px;font:500 12px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);cursor:pointer}
.sb-tab.on{color:var(--navy);border-bottom-color:var(--brass)}
.sb-filters{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:0 0 22px}
.sb-chip{background:#fff;border:1px solid var(--stone);padding:8px 14px;font:500 11px var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--ink);cursor:pointer}
.sb-chip.on{background:var(--navy);border-color:var(--navy);color:var(--ivory)}
.sb-custom{display:inline-flex;gap:6px;align-items:center;font-size:12px;color:var(--muted)}
.sb-custom input{padding:7px 9px;border:1px solid var(--stone);background:#fff;font:400 13px var(--sans)}

.sb-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1px;background:var(--stone-2);border:1px solid var(--stone-2)}
.sb-stat{background:var(--paper);padding:18px 16px}
.sb-stat dt{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 6px}
.sb-stat dd{margin:0;font-family:var(--serif);font-size:clamp(26px,3.2vw,38px);line-height:1;color:var(--navy);font-variant-numeric:tabular-nums}

.sb-diag{border-left:3px solid var(--brass);background:var(--paper);padding:18px 20px;margin:22px 0}
.sb-diag h3{margin:0 0 6px;font-size:clamp(20px,2.4vw,26px)}
.sb-diag p:last-child{margin:0;color:var(--muted);font-size:15px}

.sb-funnel{display:grid;gap:10px;margin:0 0 10px}
.sb-fstep{display:grid;grid-template-columns:1fr auto;gap:14px;align-items:center}
.sb-fbar{background:var(--stone-2);height:26px;position:relative}
.sb-fbar span{position:absolute;inset:0 auto 0 0;background:var(--navy);border-radius:0 3px 3px 0;display:block}
.sb-fmeta{display:flex;gap:10px;align-items:baseline;min-width:230px;font-variant-numeric:tabular-nums}
.sb-fmeta b{font-family:var(--serif);font-size:22px;font-weight:500;color:var(--navy);min-width:64px;text-align:right}
.sb-fmeta span{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);flex:1}
.sb-fmeta em{font-style:normal;font-size:12px;color:var(--brass);font-weight:600}

.sb-tw{overflow-x:auto;border:1px solid var(--stone-2)}
.sb-table{width:100%;border-collapse:collapse;background:var(--paper);font-size:14px}
.sb-table th{text-align:left;font:500 10px var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding:12px 12px;border-bottom:1px solid var(--stone-2);white-space:nowrap}
.sb-table td{padding:11px 12px;border-bottom:1px solid var(--stone-2);white-space:nowrap;font-variant-numeric:tabular-nums}
.sb-table td.n{text-align:right}
.sb-table tr.me td{background:#fff;font-weight:600}
.sb-table code{font-size:13px;background:var(--stone-2);padding:2px 6px}

.sb-rates{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:1px;background:var(--stone-2);border:1px solid var(--stone-2)}
.sb-rate{background:var(--paper);padding:16px}
.sb-rate dt{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.sb-rate dd{margin:4px 0 2px;font-family:var(--serif);font-size:30px;line-height:1;color:var(--navy);font-variant-numeric:tabular-nums}
.sb-rate p{margin:0;font-size:12px;color:var(--muted)}

.sb-entry{max-width:900px}
.sb-daysel{display:inline-flex;gap:8px;align-items:center;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 18px}
.sb-daysel input{padding:8px 10px;border:1px solid var(--stone);background:#fff;font:400 14px var(--sans);text-transform:none;letter-spacing:0}
.sb-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px}
.sb-f label{display:block;font-size:12px;letter-spacing:.06em;text-transform:none;color:var(--ink);font-weight:600;margin:0 0 5px}
.sb-f label em{font-style:normal;color:var(--muted);font-weight:400}
.sb-f input{width:100%;padding:11px 12px;border:1px solid var(--stone);background:#fff;font:400 17px var(--sans);font-variant-numeric:tabular-nums}
.sb-f span{display:block;font-size:12px;color:var(--muted);margin-top:5px}
.sb-f.wide{margin-top:18px}
.sb-entry button[type=submit]{margin-top:22px;background:var(--navy);color:var(--ivory);border:0;padding:14px 28px;font:500 12px var(--sans);letter-spacing:.12em;text-transform:uppercase;cursor:pointer}
.sb-entry button[type=submit]:hover{background:var(--brass)}
.sb-addf{display:flex;flex-wrap:wrap;gap:8px}
.sb-addf input{padding:10px 12px;border:1px solid var(--stone);background:#fff;font:400 15px var(--sans)}
.sb-addf button{background:var(--navy);color:var(--ivory);border:0;padding:10px 20px;font:500 11px var(--sans);letter-spacing:.12em;text-transform:uppercase;cursor:pointer}
.sb-foot{font-size:12px;color:var(--muted);border-top:1px solid var(--stone-2);padding-top:14px;margin-top:30px}
@media (max-width:640px){
  .sb-fstep{grid-template-columns:1fr}
  .sb-fmeta{min-width:0}
  .sb-tab{padding:12px 12px;font-size:11px}
}
.sb-range{font-size:12px;color:var(--muted);margin-left:auto;font-variant-numeric:tabular-nums}
@media (max-width:760px){.sb-range{margin-left:0;width:100%}}

/* VGLI calculator */
.vstep{border-left:3px solid var(--brass);background:var(--paper);padding:18px 20px;margin:22px 0}
.vstep h3{margin:0 0 6px;font-size:clamp(19px,2.3vw,25px)}
.vstep p:last-child{margin:0;color:var(--muted);font-size:15px}
.vverdict{font-family:var(--serif);font-size:clamp(18px,2.1vw,23px);line-height:1.3;color:var(--navy);margin:18px 0 0}
.calc-stats dd.sub{font-size:12px;color:var(--muted);margin:4px 0 0;font-family:var(--sans)}
table.rates tr.isnow td,table.rates tr.isnow th{background:#fff;font-weight:600}
.sb-sect{font:600 11px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--brass);margin:26px 0 12px;padding-bottom:7px;border-bottom:1px solid var(--stone-2)}
.sb-table th.grp,.sb-table td.grp{border-left:2px solid var(--stone)}

/* ---- readability pass, 2026-09-17 (Caleb's video feedback) ----
   Audience 30-65, heavy mobile. Thin low-contrast type was the core complaint. */
body{font-weight:450}
p,li,dd,td{color:var(--ink)}
/* grey-on-beige was the specific complaint: lift every muted run to real ink */
:root{--muted:#4a463f}
.dek,.sub,.chint,.sb-note,.hint{color:#3d3a34}
/* body copy up a notch, headings a touch tighter so they hold one line */
main p,main li{font-size:17.5px;line-height:1.66}
.dek{font-size:clamp(18px,2.1vw,21px);font-weight:500;max-width:75%}
@media (max-width:760px){.dek{max-width:100%}}
h1{font-size:clamp(34px,5.4vw,64px)}
strong,b{font-weight:650}
.kicker,.eyebrow{color:#7a6428;font-weight:650}
/* cards and accordions: tell people they are clickable */
.faq summary::after,details.faq-item summary::after{content:" — click to expand";font:500 12px var(--sans);letter-spacing:.04em;color:var(--brass);text-transform:none}
details[open] summary::after{content:" — click to close"}
.tool-card p,.card p{color:#3d3a34}
.btn-pair{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.btn-pair .btn{flex:1 1 220px;text-align:center}
@media(max-width:860px){.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.svc-grid{grid-template-columns:1fr}.btn-pair .btn{flex:1 1 100%}}

/* Ask Caleb */
.ask{position:fixed;right:18px;bottom:18px;z-index:60;font-family:var(--sans)}
.ask-pill{background:var(--navy);color:var(--ivory);border:1px solid rgba(201,185,138,.5);padding:12px 20px;font:500 12.5px var(--sans);letter-spacing:.16em;text-transform:uppercase;cursor:pointer;box-shadow:0 6px 24px rgba(18,33,58,.18)}
.ask-pill:hover,.ask-pill.on{background:var(--ink)}
.ask-panel[hidden]{display:none}
.ask-panel{padding:0;position:absolute;right:0;bottom:56px;width:min(380px,calc(100vw - 36px));max-height:min(620px,calc(100vh - 100px));display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--stone-2);box-shadow:0 18px 50px rgba(18,33,58,.22)}
.ask-panel header{display:flex;justify-content:space-between;align-items:center;padding:14px 16px;border-bottom:1px solid var(--stone-2);font-family:var(--serif);font-size:20px;color:var(--navy)}
.ask-close{background:none;border:0;font-size:24px;line-height:1;cursor:pointer;color:var(--muted)}
.ask-log{flex:1;overflow-y:auto;padding:14px 16px;display:flex;flex-direction:column;gap:12px;min-height:200px}
.ask-msg{max-width:92%;font-size:14.5px;line-height:1.55}
.ask-msg p{margin:0 0 .6em}.ask-msg p:last-child{margin:0}
.ask-msg.bot{align-self:flex-start;background:var(--ivory);border:1px solid var(--stone-2);padding:10px 14px}
.ask-msg.user{align-self:flex-end;background:var(--navy);color:var(--ivory);padding:10px 14px}
.ask-msg a{color:var(--navy);text-decoration:none;border-bottom:1px solid var(--brass);font-size:13px;letter-spacing:.06em;text-transform:uppercase;font-weight:500}
.ask-msg.user a{color:var(--ivory)}
.ask-chips{display:flex;flex-wrap:wrap;gap:6px;padding:0 16px 10px}
.ask-chips button{background:none;border:1px solid var(--stone);padding:6px 10px;font:500 12px var(--sans);color:var(--ink);cursor:pointer}
.ask-chips button:hover{border-color:var(--brass);color:var(--brass)}
.ask-form{display:flex;border-top:1px solid var(--stone-2);gap:0;max-width:none}
.ask-form input{border:0;background:transparent;padding:14px 16px;font-size:15px;flex:1;min-width:0}
.ask-form input:focus{outline:none;background:#fff}
.ask-form button{border:0;background:var(--navy);color:var(--ivory);width:52px;font-size:20px;cursor:pointer}
.ask-fine{margin:0;padding:8px 16px 12px;font-size:11px;color:var(--muted);line-height:1.4}
.ask-lead{display:grid;gap:8px;margin:10px 0}
.ask-lead input{padding:10px;font-size:14px;border:1px solid var(--stone)}
.ask-lead label{font-size:12px;color:var(--muted);display:flex;gap:8px;align-items:flex-start;letter-spacing:0;text-transform:none}
.ask-lead label input{width:auto;margin-top:2px}
.ask-lead button{background:var(--navy);color:var(--ivory);border:0;padding:12px;font:500 12px var(--sans);letter-spacing:.14em;text-transform:uppercase;cursor:pointer}
.ask-alt{font-size:13px;color:var(--muted)}
.ask-dots i{display:inline-block;width:6px;height:6px;margin:0 2px;border-radius:50%;background:var(--stone);animation:askb 1s infinite}
.ask-dots i:nth-child(2){animation-delay:.15s}.ask-dots i:nth-child(3){animation-delay:.3s}
@keyframes askb{0%,80%,100%{opacity:.3}40%{opacity:1}}
@media (max-width:520px){.ask{right:12px;bottom:12px}.ask-panel{bottom:52px}}
@media (prefers-reduced-motion:reduce){.ask-dots i{animation:none}}