:root{
  --navy:#0b1b33;--navy2:#13294b;--ink:#1a2438;--muted:#5b6678;--gold:#b8975a;--gold2:#d4b57a;
  --ivory:#faf7f2;--paper:#fff;--line:#e8e1d4;--ok:#1f7a4d;--bad:#b3261e;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --sans:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --r:16px;--shadow:0 1px 2px rgba(11,27,51,.06),0 12px 32px -12px rgba(11,27,51,.18);
}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 var(--sans);color:var(--ink);background:var(--ivory)}
img,svg{max-width:100%;display:block}a{color:var(--navy2);text-underline-offset:3px}a:hover{color:var(--gold)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.12;margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.3rem,5.4vw,4rem)}h2{font-size:clamp(1.75rem,3.4vw,2.6rem)}h3{font-size:1.25rem}
p{margin:0 0 1em}.wrap{width:min(1160px,100% - 40px);margin-inline:auto}.narrow{width:min(780px,100% - 40px);margin-inline:auto}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:#000;padding:10px 14px;border-radius:8px;z-index:100}.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}
/* header */
.top{background:var(--navy);color:#cdd6e6;font-size:.86rem}.top .wrap{display:flex;justify-content:space-between;gap:16px;padding:8px 0;flex-wrap:wrap}
.top a{color:#fff;text-decoration:none}.top a:hover{color:var(--gold2)}
header.site{position:sticky;top:0;z-index:50;background:rgba(250,247,242,.92);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}
.logo{font-family:var(--serif);font-size:1.45rem;font-weight:700;color:var(--navy);text-decoration:none;letter-spacing:-.02em;white-space:nowrap}
.logo b{color:var(--gold);font-weight:700}
nav.main ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;align-items:center}
nav.main a{display:block;padding:9px 13px;border-radius:999px;color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:500}
nav.main a:hover{background:#efe8d9;color:var(--navy)}
.menu-btn{display:none}nav.main .mob{display:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:999px;background:var(--gold);color:#1b1305;font-weight:700;text-decoration:none;border:0;cursor:pointer;font:700 1rem var(--sans);transition:transform .15s,box-shadow .15s,background .15s;box-shadow:0 6px 18px -8px rgba(184,151,90,.9)}
.btn:hover{background:var(--gold2);color:#1b1305;transform:translateY(-1px)}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4);box-shadow:none}.btn.ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn.dark{background:var(--navy);color:#fff;box-shadow:none}.btn.dark:hover{background:var(--navy2);color:#fff}
.btn.sm{padding:10px 18px;font-size:.92rem}
/* hero */
.hero{padding:0;position:relative;background:radial-gradient(1200px 500px at 80% -10%,rgba(184,151,90,.32),transparent 60%),radial-gradient(900px 600px at -10% 110%,rgba(75,120,200,.25),transparent 60%),linear-gradient(160deg,var(--navy) 0,#0f2547 100%);color:#fff;overflow:hidden}
.hero:after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1px);background-size:26px 26px;mask-image:linear-gradient(180deg,#000,transparent 85%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;padding:clamp(56px,9vw,120px) 0 clamp(48px,7vw,96px);display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}
.hero h1{color:#fff}.hero h1 em{font-style:normal;color:var(--gold2)}
.hero p.lead{font-size:1.2rem;color:#d3dcee;max-width:56ch}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold2);font-weight:700;margin-bottom:14px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 18px}
.proof{display:flex;gap:22px;flex-wrap:wrap;color:#b9c5dc;font-size:.92rem;margin-top:8px}
.proof strong{color:#fff;font-family:var(--serif);font-size:1.5rem;display:block;line-height:1.1}
.loc-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:var(--r);padding:24px;backdrop-filter:blur(6px)}
.loc-card+.loc-card{margin-top:14px}.loc-card h3{color:#fff;margin:0 0 4px}.loc-card p{color:#c6d1e6;margin:0 0 14px;font-size:.95rem}
.loc-card .row{display:flex;gap:10px;flex-wrap:wrap}
/* sections */
section{padding:clamp(56px,8vw,104px) 0}section.alt{background:var(--paper);border-block:1px solid var(--line)}
.sec-head{max-width:720px;margin-bottom:40px}.sec-head p{color:var(--muted);font-size:1.1rem}
.grid{display:grid;gap:20px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow);transition:transform .2s,border-color .2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-3px);border-color:var(--gold2)}.card h3{margin-bottom:.35em}.card p{color:var(--muted);margin-bottom:1em;font-size:.98rem}
.card .more{margin-top:auto;font-weight:700;text-decoration:none;color:var(--navy2)}
.tag{display:inline-block;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:#7a5f2c;background:#f4ead4;padding:4px 10px;border-radius:999px;margin-bottom:12px;align-self:flex-start}
.cat{margin-bottom:56px}.cat h3{font-size:1.5rem}
.steps{counter-reset:s}.step{position:relative;padding:28px 26px 26px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r)}
.step:before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:3.2rem;color:var(--gold);opacity:.55;display:block;line-height:1;margin-bottom:10px}
.step h3{margin-bottom:.3em}.step p{color:var(--muted);margin:0}
.band{background:var(--navy);color:#fff}.band h2{color:#fff}.band p{color:#cbd6ea}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stats strong{display:block;font-family:var(--serif);font-size:2.6rem;color:var(--gold2);line-height:1}.stats span{color:#b9c5dc;font-size:.92rem}
/* faq */
details.faq{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:0;margin-bottom:12px}
details.faq summary{cursor:pointer;list-style:none;padding:20px 24px;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;gap:16px;align-items:center}
details.faq summary::-webkit-details-marker{display:none}details.faq summary:after{content:"+";font-size:1.5rem;color:var(--gold);line-height:1}
details.faq[open] summary:after{content:"−"}details.faq .ans{padding:0 24px 22px;color:var(--muted)}
/* page head */
.pagehead{background:linear-gradient(160deg,var(--navy),#10284a);color:#fff;padding:clamp(44px,6vw,80px) 0}.pagehead h1{color:#fff;font-size:clamp(2rem,4.4vw,3.2rem);max-width:26ch}
.pagehead p{color:#cfd9ec;font-size:1.15rem;max-width:62ch}.crumbs{font-size:.88rem;color:#a9b8d3;margin-bottom:16px}.crumbs a{color:#d9e2f3}
.prose h2{font-size:1.7rem;margin-top:1.6em}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.5em}
.callout{background:#fff8e6;border:1px solid #ecd9a6;border-radius:12px;padding:16px 20px;color:#5a4a1d;font-size:.95rem;margin:24px 0}
.two{display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:start}
.side{position:sticky;top:96px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow)}
.side h3{margin-bottom:.4em}.side .btn{width:100%;margin-top:8px}.side ul{list-style:none;padding:0;margin:0 0 14px;font-size:.95rem}.side li{padding:6px 0;border-bottom:1px solid var(--line)}
.disclosure{font-size:.84rem;color:var(--muted);border-top:1px solid var(--line);margin-top:40px;padding-top:18px}
/* form */
form.book{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow)}
.f{display:grid;gap:6px;margin-bottom:16px}.f label{font-weight:600;font-size:.92rem;color:var(--navy)}
.f input,.f select,.f textarea{font:inherit;padding:13px 14px;border:1.5px solid #d6cfbf;border-radius:12px;background:#fff;color:var(--ink);width:100%}
.f input:focus,.f select:focus,.f textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(184,151,90,.2)}
.chk{display:flex;gap:12px;align-items:flex-start;font-size:.84rem;color:var(--muted);margin-bottom:14px}.chk input{margin-top:4px;width:18px;height:18px;flex:none;accent-color:var(--navy)}
.hp{position:absolute;left:-9999px;opacity:0;height:0}.msg{padding:14px 16px;border-radius:12px;margin-top:14px;display:none}.msg.ok{display:block;background:#e9f6ef;color:var(--ok)}.msg.err{display:block;background:#fdecea;color:var(--bad)}
.two-f{display:grid;grid-template-columns:1fr 1fr;gap:16px}
/* footer */
footer.site{background:var(--navy);color:#b9c5dc;padding:64px 0 28px;font-size:.95rem}footer.site h4{color:#fff;font-family:var(--serif);font-size:1.1rem;margin:0 0 12px}
footer.site a{color:#d9e2f3;text-decoration:none}footer.site a:hover{color:var(--gold2)}footer.site ul{list-style:none;margin:0;padding:0}footer.site li{margin-bottom:8px}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px;margin-bottom:40px}
.fine{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.8rem;color:#8d9bb8;line-height:1.6}
/* consent + chat */
#consent{position:fixed;left:16px;right:16px;bottom:16px;max-width:560px;background:var(--navy);color:#e4ebf7;padding:18px 20px;border-radius:16px;box-shadow:0 20px 50px -10px rgba(0,0,0,.5);z-index:90;font-size:.9rem;display:none}
#consent p{margin:0 0 12px}#consent .row{display:flex;gap:10px;flex-wrap:wrap}#consent a{color:var(--gold2)}
#chat-fab{position:fixed;right:18px;bottom:18px;z-index:80;width:62px;height:62px;border-radius:50%;background:var(--gold);color:#1b1305;border:0;cursor:pointer;box-shadow:0 14px 30px -8px rgba(0,0,0,.45);font-size:1.5rem;display:grid;place-items:center}
#chat{position:fixed;right:18px;bottom:92px;width:min(390px,100% - 36px);height:min(580px,100dvh - 120px);background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 30px 70px -18px rgba(11,27,51,.5);z-index:85;display:none;flex-direction:column;overflow:hidden}
#chat.open{display:flex}#chat header{background:var(--navy);color:#fff;padding:16px 18px}#chat header b{font-family:var(--serif);font-size:1.1rem}#chat header small{display:block;color:#b9c5dc;font-size:.76rem;margin-top:2px}
#chat .log{flex:1;overflow:auto;padding:16px;background:var(--ivory);display:flex;flex-direction:column;gap:10px}
.bub{max-width:86%;padding:10px 14px;border-radius:16px;font-size:.93rem;line-height:1.5;white-space:pre-wrap}.bub.bot{background:#fff;border:1px solid var(--line);border-bottom-left-radius:4px}.bub.me{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.quick{display:flex;gap:8px;flex-wrap:wrap}.quick button{border:1.5px solid var(--gold);background:#fff;color:var(--navy);padding:8px 14px;border-radius:999px;cursor:pointer;font:600 .86rem var(--sans)}.quick button:hover{background:#f4ead4}
#chat form{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line);background:#fff}#chat input[type=text]{flex:1;border:1.5px solid #d6cfbf;border-radius:999px;padding:11px 16px;font:inherit}
#chat .send{padding:10px 18px}.chatnote{font-size:.72rem;color:var(--muted);padding:0 14px 10px;background:#fff}
@media (max-width:980px){.hero .wrap{grid-template-columns:1fr}.g3,.g4,.stats{grid-template-columns:repeat(2,1fr)}.two{grid-template-columns:1fr}.side{position:static}.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:760px){
  nav.main ul.desk{display:none}nav.main .mob{display:block;position:relative}
  .menu-btn{display:inline-flex;list-style:none;cursor:pointer;padding:10px 16px;border:1.5px solid var(--line);border-radius:999px;font-weight:700}
  nav.main .mob ul{display:none;position:absolute;right:0;top:54px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:10px;flex-direction:column;align-items:stretch;min-width:240px}
  nav.main .mob[open] ul{display:flex}.g3,.g2,.g4,.stats,.two-f,.fgrid{grid-template-columns:1fr}.top .wrap{justify-content:center}.top .wrap>span:first-child{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.top,header.site,#chat,#chat-fab,#consent,footer.site .fgrid{display:none}}

/* ---------- articles ---------- */
.grid.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}@media(max-width:980px){.grid.g3{grid-template-columns:repeat(2,1fr)}}@media(max-width:640px){.grid.g3{grid-template-columns:1fr}}
.acard{padding:0;overflow:hidden}.acard img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;display:block;background:var(--navy)}.acard .tag,.acard h3,.acard p,.acard .more{margin-left:22px;margin-right:22px}.acard .tag{margin-top:18px}.acard .more{margin-bottom:22px}.acard .more small{color:var(--muted);font-weight:500}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 8px}.chips a{padding:8px 16px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:.92rem;color:var(--navy2);background:var(--paper)}.chips a:hover{border-color:var(--gold2)}
h2.cat{margin:48px 0 20px;font-size:1.8rem}
.article figure.hero{margin:0 0 20px}.article figure.hero img{width:100%;height:auto;border-radius:var(--r);display:block;box-shadow:var(--shadow)}
.byline{font-size:.9rem;color:var(--muted);margin:0 0 22px}
.tldr{background:#f1f5fb;border-left:4px solid var(--gold);border-radius:0 12px 12px 0;padding:18px 22px;margin:0 0 8px}.tldr b{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:.76rem;color:#7a5f2c;margin-bottom:6px}.tldr p{margin:0}
.article h2.kt{margin-top:1.2em}.article ul.kt{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px 22px 18px 40px}
sup.cite{font-size:.68em;line-height:0;margin-left:1px}sup.cite a{text-decoration:none;color:var(--navy2);font-weight:700}sup.cite a:hover{text-decoration:underline}
.tscroll{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px}.article table{border-collapse:collapse;width:100%;min-width:560px;font-size:.92rem}.article caption{caption-side:top;text-align:left;font-weight:700;color:var(--navy);padding:14px 16px 10px}.article th,.article td{padding:10px 14px;border-top:1px solid var(--line);vertical-align:top;text-align:left}.article thead th{background:#f1f5fb;color:var(--navy);font-size:.82rem;text-transform:uppercase;letter-spacing:.04em}.article tbody th{font-weight:700;color:var(--navy)}
figure.chart{margin:26px 0;padding:20px 22px;border:1px solid var(--line);border-radius:14px;background:var(--paper)}figure.chart figcaption{font-weight:700;color:var(--navy);margin-bottom:14px;font-size:.98rem}
.brow{display:grid;grid-template-columns:minmax(120px,38%) 1fr auto;gap:12px;align-items:center;margin:9px 0;font-size:.9rem}.bt{background:#eef2f8;border-radius:6px;height:20px;overflow:hidden}.bt i{display:block;height:100%;border-radius:6px}.bt i.pos{background:linear-gradient(90deg,var(--gold2),var(--gold))}.bt i.neg{background:linear-gradient(90deg,#c9705a,#e8836a)}.brow b{min-width:3.4em;text-align:right}.csrc{font-size:.8rem;color:var(--muted);margin:12px 0 0}
ol.sources{font-size:.88rem;color:var(--muted);padding-left:1.4em}ol.sources li{margin-bottom:.6em;overflow-wrap:anywhere}ol.sources li:target{background:#fff8e6}
.cta{background:var(--navy);color:#e6edf8;border-radius:var(--r);padding:26px 28px;margin:34px 0 10px}.cta a:not(.btn){color:var(--gold2)}.cta p{margin:0 0 14px}.cta p:last-child{margin:0}