:root{
  --pine:#0C1D3A;
  --pine-2:#14284B;
  --forest:#23487F;
  --cream:#F4F1E8;
  --cream-2:#E9E4D6;
  --gold:#E0A22E;
  --gold-deep:#C4851A;
  --line:rgba(12,29,58,.14);
  --line-cream:rgba(244,241,232,.16);
  --muted:#4C5A70;
  --maxw:1240px;
  --serif:'Fraunces',Georgia,serif;
  --sans:'Inter',system-ui,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--pine);background:var(--cream);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{display:block;max-width:100%}
a{text-decoration:none;color:inherit}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 30px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.02;letter-spacing:-.015em}
.serif-it{font-style:italic;font-weight:600}

/* TOPBAR */
.topbar{background:var(--pine);color:rgba(244,241,232,.82);font-size:13px}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;height:42px;flex-wrap:wrap;gap:10px}
.topbar .l{display:flex;gap:22px;flex-wrap:wrap;font-weight:500}
.topbar .l b{color:var(--gold);font-weight:600}
.topbar a{color:var(--cream);font-weight:600}

/* HEADER */
header{position:sticky;top:0;z-index:60;background:rgba(244,241,232,.86);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{font-family:var(--serif);font-weight:600;font-size:22px;letter-spacing:-.02em}
.brand span{color:var(--gold-deep)}
.navlinks{display:flex;align-items:center;gap:22px;flex-wrap:wrap;justify-content:flex-end;row-gap:8px}
.navlinks a{font-size:14.5px;font-weight:500;transition:color .15s}
.navlinks a:hover{color:var(--gold-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--sans);font-weight:600;font-size:14.5px;padding:13px 24px;border-radius:2px;transition:transform .12s ease,background .16s,box-shadow .16s,color .16s;cursor:pointer;border:none;white-space:nowrap}
.btn-gold{background:var(--gold);color:var(--pine);box-shadow:0 6px 18px rgba(224,162,46,.32)}
.btn-gold:hover{background:var(--gold-deep);color:#fff;transform:translateY(-2px);box-shadow:0 10px 26px rgba(224,162,46,.42)}
.btn-pine{background:var(--pine);color:var(--cream)}
.btn-pine:hover{background:var(--forest);transform:translateY(-2px)}
.btn-cream{background:var(--cream);color:var(--pine)}
.btn-cream:hover{transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--cream);border:1.5px solid rgba(244,241,232,.4)}
.btn-outline:hover{background:var(--cream);color:var(--pine)}
.btn-lg{padding:16px 30px;font-size:15.5px}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer}
.burger span{width:26px;height:2.5px;background:var(--pine);border-radius:2px}

/* HERO */
.hero{background:linear-gradient(180deg,#244a82 0%,#1c3d73 52%,#152f59 100%);color:var(--cream);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;top:-25%;right:-15%;width:65%;height:150%;background:radial-gradient(ellipse at center,rgba(224,162,46,.10),transparent 60%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:stretch;min-height:90vh}
.hero-left{padding:80px 56px 80px 0;display:flex;flex-direction:column;justify-content:center;position:relative;z-index:2}
.kicker{display:inline-flex;align-items:center;gap:12px;font-family:var(--sans);font-size:12.5px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--gold);margin-bottom:26px}
.kicker::before{content:"";width:32px;height:2px;background:var(--gold)}
.hero h1{font-size:clamp(46px,6.4vw,88px);line-height:.98;letter-spacing:-.025em;margin-bottom:28px;font-weight:600}
.hero-sub{font-size:18.5px;color:rgba(244,241,232,.76);max-width:580px;margin-bottom:32px;font-family:var(--sans)}
.hero-sub b{color:var(--cream);font-weight:600}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-micro{font-size:13.5px;color:rgba(244,241,232,.58);margin-top:18px;font-weight:500}
.hero-micro b{color:var(--gold)}
.hero-right{position:relative}
.hero-right img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center top;-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 20%,#000 80%,transparent 100%),linear-gradient(0deg,transparent 0%,#000 12%);-webkit-mask-composite:source-in;mask-image:linear-gradient(90deg,transparent 0%,#000 20%,#000 80%,transparent 100%),linear-gradient(0deg,transparent 0%,#000 12%);mask-composite:intersect}
.hero-right::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(18,42,78,.6) 0%,transparent 26%);pointer-events:none}
.hero-tag{position:absolute;left:0;bottom:38px;z-index:3;background:var(--gold);color:var(--pine);padding:15px 20px}
.hero-tag .n{font-family:var(--serif);font-weight:600;font-size:17px;letter-spacing:-.01em}
.hero-tag small{display:block;font-family:var(--sans);font-weight:600;font-size:11.5px;letter-spacing:.04em;opacity:.82;margin-top:3px;text-transform:uppercase}

/* TRUST STRIP */
.trust{background:var(--pine-2);color:rgba(244,241,232,.9);border-top:1px solid var(--line-cream)}
.trust .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;padding:20px 30px}
.trust .ti{font-family:var(--sans);font-size:13.5px;font-weight:600;letter-spacing:.03em;display:flex;align-items:center;gap:10px}
.trust .ti i{color:var(--gold);font-style:normal;font-size:16px}

/* SECTION SHELL */
section{padding:104px 0}
.tag{font-family:var(--sans);font-size:12.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:18px}
.title{font-size:clamp(34px,4.7vw,62px);line-height:1;letter-spacing:-.025em}

/* POSITIONING */
.pos{background:var(--cream)}
.pos-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:70px;align-items:center}
.pos h2{font-size:clamp(32px,4.4vw,56px);line-height:1.02;letter-spacing:-.025em}
.pos h2 .g{color:var(--gold-deep)}
.pos-body p{font-size:17px;color:#2b3444;margin-bottom:18px}
.pos-body strong{color:var(--pine);font-weight:600}
.pquote{border-left:3px solid var(--gold);padding:6px 0 6px 24px;font-family:var(--serif);font-style:italic;font-size:22px;line-height:1.32;color:var(--pine);margin-top:8px}

/* CALCULATOR */
.calc{background:var(--pine);color:var(--cream)}
.calc-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:60px;align-items:center}
.calc .title{color:var(--cream)}
.calc-intro p{color:rgba(244,241,232,.72);font-size:17px;margin:22px 0 26px;max-width:44ch}
.calc-card{background:var(--cream);color:var(--pine);border-radius:10px;padding:34px 34px 30px;box-shadow:0 30px 70px rgba(0,0,0,.34)}
.crow{margin-bottom:22px}
.crow .rl{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.crow label{font-family:var(--sans);font-size:13.5px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}
.crow .rv{font-family:var(--serif);font-weight:600;font-size:19px;color:var(--pine)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:5px;background:var(--cream-2);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.2)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid #fff}
.result{border-top:1px solid var(--line);margin-top:8px;padding-top:22px;display:flex;justify-content:space-between;align-items:flex-end;gap:16px}
.result .rlab{font-size:13.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.04em;max-width:16ch}
.result .ramt{font-family:var(--serif);font-weight:700;font-size:clamp(38px,5vw,52px);line-height:1;color:var(--pine)}
.result .ramt small{font-size:17px;font-weight:600;color:var(--muted)}
.calc-note{font-size:12px;color:var(--muted);margin-top:14px;line-height:1.5}
.calc-card .btn{width:100%;margin-top:18px}

/* PATHWAYS */
.paths{background:var(--cream)}
.paths-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:50px;flex-wrap:wrap}
.paths-head p{color:var(--muted);max-width:400px;font-size:16px}
.pcards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.pcard{background:var(--pine);color:var(--cream);border-radius:10px;padding:34px 26px;display:flex;flex-direction:column;min-height:412px;position:relative;overflow:hidden;transition:transform .2s ease}
.pcard:nth-child(even){background:var(--forest)}
.pcard:hover{transform:translateY(-8px)}
.pcard .pi{font-family:var(--serif);font-weight:700;font-size:30px;color:var(--gold);margin-bottom:14px}
.pcard h3{font-size:22px;letter-spacing:-.01em;margin-bottom:12px;color:var(--cream)}
.pcard p{font-size:14.5px;color:rgba(244,241,232,.7);margin-bottom:20px}
.pcard ul{list-style:none;display:flex;flex-direction:column;gap:9px;margin-bottom:26px}
.pcard ul li{font-size:13.5px;color:rgba(244,241,232,.86);padding-left:22px;position:relative}
.pcard ul li::before{content:"→";position:absolute;left:0;color:var(--gold)}
.pcard .go{font-family:var(--sans);font-weight:600;font-size:14px;color:var(--gold);display:inline-flex;gap:8px;transition:gap .15s;margin-top:auto}
.pcard:hover .go{gap:14px}

/* WHY */
.why{background:var(--pine);color:var(--cream)}
.why .title{color:var(--cream)}
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0;margin-top:52px;border-top:1px solid var(--line-cream)}
.why-item{padding:34px 30px 34px 0;border-bottom:1px solid var(--line-cream)}
.why-item:nth-child(even){padding-left:44px;border-left:1px solid var(--line-cream)}
.why-item h4{font-family:var(--serif);font-weight:600;font-size:23px;letter-spacing:-.01em;margin-bottom:10px;color:var(--cream)}
.why-item h4 span{color:var(--gold)}
.why-item p{font-size:15px;color:rgba(244,241,232,.7)}

/* STATS */
.stats{background:var(--gold)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.sb{padding:52px 28px;text-align:center;border-right:1px solid rgba(12,29,58,.16)}
.sb:last-child{border-right:none}
.sb .n{font-family:var(--serif);font-weight:700;font-size:clamp(34px,4vw,50px);line-height:1;color:var(--pine);letter-spacing:-.02em}
.sb .l{font-size:13.5px;margin-top:12px;color:rgba(12,29,58,.72);font-weight:600}

/* PROCESS */
.proc{background:var(--cream)}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:52px}
.step{padding-top:24px;border-top:3px solid var(--pine)}
.step .sn{font-family:var(--serif);font-weight:700;font-size:40px;line-height:1;color:var(--gold-deep);margin-bottom:12px}
.step h4{font-family:var(--sans);font-weight:700;font-size:15.5px;margin-bottom:7px}
.step p{font-size:13.5px;color:var(--muted)}

/* FAQ */
.faq{background:var(--pine-2);color:var(--cream)}
.faq .title{color:var(--cream)}
.faq-list{margin-top:44px;border-top:1px solid var(--line-cream)}
.faq-item{border-bottom:1px solid var(--line-cream)}
.faq-q{width:100%;background:none;border:none;color:var(--cream);text-align:left;font-family:var(--serif);font-weight:600;font-size:clamp(18px,2.1vw,23px);letter-spacing:-.01em;padding:26px 56px 26px 0;cursor:pointer;position:relative;display:block}
.faq-q::after{content:"+";position:absolute;right:8px;top:50%;transform:translateY(-50%);font-size:28px;color:var(--gold);transition:transform .2s;font-family:var(--sans)}
.faq-item.open .faq-q::after{transform:translateY(-50%) rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-a p{padding:0 44px 28px 0;color:rgba(244,241,232,.72);font-size:15.5px}

/* CTA BAND */
.cta{background:var(--cream);text-align:center}
.cta-inner{background:var(--pine);color:var(--cream);border-radius:14px;padding:80px 40px;position:relative;overflow:hidden}
.cta-inner::before{content:"";position:absolute;top:-40%;left:50%;transform:translateX(-50%);width:80%;height:180%;background:radial-gradient(ellipse at center,rgba(224,162,46,.18),transparent 62%)}
.cta-inner>*{position:relative;z-index:2}
.cta h2{font-size:clamp(34px,4.8vw,60px);line-height:1;letter-spacing:-.025em;margin-bottom:18px;color:var(--cream);max-width:18ch;margin-left:auto;margin-right:auto}
.cta p{font-size:18px;color:rgba(244,241,232,.78);max-width:52ch;margin:0 auto 32px}

/* CONTACT */
.contact{background:var(--pine);color:var(--cream)}
.contact-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:56px;align-items:center}
.contact .title{color:var(--cream)}
.contact .lead{font-size:17px;color:rgba(244,241,232,.74);max-width:46ch;margin:22px 0 28px}
.info{display:flex;flex-direction:column;gap:20px}
.info .row{border-top:1px solid var(--line-cream);padding-top:15px}
.info .k{font-family:var(--sans);font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:6px;font-weight:600}
.info .v{font-family:var(--serif);font-weight:600;font-size:21px;color:var(--cream)}
.info .v a{color:var(--cream);border-bottom:2px solid var(--gold);padding-bottom:2px;transition:color .16s}
.info .v a:hover{color:var(--gold)}

/* FLOATING */
.float-apply{position:fixed;right:20px;bottom:20px;z-index:80;box-shadow:0 12px 34px rgba(224,162,46,.5)}

/* FOOTER */
footer{background:var(--pine);color:rgba(244,241,232,.6);padding:56px 0 38px;border-top:1px solid var(--line-cream)}
.foot-top{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;padding-bottom:34px;border-bottom:1px solid var(--line-cream)}
.foot-brand{font-family:var(--serif);font-weight:600;font-size:23px;color:var(--cream);letter-spacing:-.02em;margin-bottom:10px}
.foot-brand span{color:var(--gold)}
.foot-top p{font-size:14px;max-width:360px}
.foot-nav{display:flex;gap:40px;flex-wrap:wrap}
.foot-nav a{font-size:14.5px;color:rgba(244,241,232,.78)}
.foot-nav a:hover{color:var(--gold)}
.foot-bottom{padding-top:26px;font-size:12.5px;line-height:1.85;color:rgba(244,241,232,.44)}
.foot-bottom strong{color:rgba(244,241,232,.72);font-weight:600}

/* REVEAL */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* MOBILE NAV DRAWER */
@media(max-width:960px){
  .navlinks{position:fixed;top:0;right:-100%;height:100vh;width:min(78vw,340px);background:var(--pine);flex-direction:column;align-items:flex-start;justify-content:flex-start;gap:6px;padding:100px 30px 40px;transition:right .28s ease;z-index:70}
  .navlinks.open{right:0}
  .navlinks a{color:var(--cream);width:100%;padding:14px 0;border-bottom:1px solid var(--line-cream);font-size:16px}
  .navlinks a:hover{color:var(--gold)}
  .navlinks .btn{margin-top:16px;width:100%}
}
.nav-scrim{display:none;position:fixed;inset:0;background:rgba(12,29,58,.5);z-index:65}
.nav-scrim.open{display:block}
body.nav-open{overflow:hidden}

/* ==== ARTICLE / CLUSTER PAGE COMPONENTS ==== */

/* Breadcrumbs */
.crumbs{background:var(--cream-2)}
.crumbs .wrap{padding:16px 30px;display:flex;flex-wrap:wrap;gap:8px;font-size:13px;color:var(--muted);font-weight:500}
.crumbs a{color:var(--forest)}
.crumbs a:hover{color:var(--gold-deep)}
.crumbs span.sep{color:var(--muted);opacity:.5}
.crumbs span.cur{color:var(--pine);font-weight:600}

/* Article hero (lighter than homepage hero — content pages, not the brand hero) */
.art-hero{background:linear-gradient(180deg,#1c3d73 0%,#152f59 100%);color:var(--cream);padding:64px 0 56px}
.art-hero .kicker{margin-bottom:18px}
.art-hero h1{font-size:clamp(32px,4.6vw,54px);line-height:1.04;letter-spacing:-.02em;margin-bottom:20px;max-width:22ch}
.art-hero .dek{font-size:17.5px;color:rgba(244,241,232,.8);max-width:62ch;margin-bottom:22px}
.art-meta{display:flex;flex-wrap:wrap;gap:18px;font-size:13px;color:rgba(244,241,232,.62);font-weight:500}
.art-meta b{color:var(--gold)}

/* Article body layout */
.art-body{background:var(--cream)}
.art-layout{display:grid;grid-template-columns:1fr 300px;gap:64px;align-items:start}
.art-main{max-width:70ch}
.art-main p{font-size:17px;color:#2b3444;margin-bottom:18px}
.art-main h2{font-size:clamp(24px,2.8vw,32px);letter-spacing:-.015em;margin:48px 0 16px}
.art-main h2:first-child{margin-top:0}
.art-main h3{font-size:20px;letter-spacing:-.01em;margin:28px 0 12px;color:var(--pine)}
.art-main ul,.art-main ol{margin:0 0 20px 22px;color:#2b3444;font-size:16.5px}
.art-main li{margin-bottom:9px}
.art-main strong{color:var(--pine)}
.art-main a{color:var(--forest);text-decoration:underline;text-decoration-color:rgba(35,72,127,.35);text-underline-offset:3px}
.art-main a:hover{color:var(--gold-deep)}

/* Sidebar (TOC + CTA) */
.art-side{position:sticky;top:100px;display:flex;flex-direction:column;gap:22px}
.toc{background:var(--cream-2);border-radius:10px;padding:24px}
.toc .tl{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:14px}
.toc ul{list-style:none;display:flex;flex-direction:column;gap:10px;margin:0}
.toc a{font-size:14px;color:var(--pine);font-weight:500}
.toc a:hover{color:var(--gold-deep)}
.side-cta{background:var(--pine);color:var(--cream);border-radius:10px;padding:26px}
.side-cta h4{font-family:var(--serif);font-size:19px;margin-bottom:10px;color:var(--cream)}
.side-cta p{font-size:14px;color:rgba(244,241,232,.72);margin-bottom:16px}
.side-cta .btn{width:100%}

/* Callout box */
.callout{background:var(--cream-2);border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:22px 26px;margin:28px 0}
.callout .cl-label{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:8px}
.callout p{margin-bottom:0!important;font-size:16px!important}

/* Worked example / math box */
.workbox{background:var(--pine);color:var(--cream);border-radius:10px;padding:30px 32px;margin:30px 0}
.workbox h3{color:var(--cream);margin-top:0!important}
.wrow{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line-cream);font-size:15px}
.wrow:last-child{border-bottom:none;padding-top:16px;font-weight:700;font-size:17px}
.wrow .wl{color:rgba(244,241,232,.72)}
.wrow .wv{font-family:var(--serif);font-weight:600}

/* Comparison table */
.cmp-wrap{overflow-x:auto;margin:28px 0}
table.cmp{width:100%;border-collapse:collapse;background:#fff;border-radius:8px;overflow:hidden;font-size:14.5px}
table.cmp th{background:var(--pine);color:var(--cream);text-align:left;padding:14px 16px;font-family:var(--sans);font-weight:600;font-size:13px;letter-spacing:.02em}
table.cmp td{padding:14px 16px;border-bottom:1px solid var(--line);color:#2b3444}
table.cmp tr:last-child td{border-bottom:none}
table.cmp tr:nth-child(even) td{background:var(--cream)}

/* Numbered timeline (real sequences only) */
.tl-list{margin:32px 0;display:flex;flex-direction:column;gap:0}
.tl-item{display:grid;grid-template-columns:56px 1fr;gap:20px;padding-bottom:28px;position:relative}
.tl-item::before{content:"";position:absolute;left:27px;top:44px;bottom:0;width:1px;background:var(--line)}
.tl-item:last-child::before{display:none}
.tl-n{width:54px;height:54px;border-radius:50%;background:var(--pine);color:var(--gold);font-family:var(--serif);font-weight:700;font-size:19px;display:flex;align-items:center;justify-content:center}
.tl-body h4{font-size:17px;margin-bottom:6px;font-family:var(--serif);font-weight:600}
.tl-body p{font-size:15px!important;color:var(--muted)}

/* Author box */
.authorbox{display:flex;gap:18px;align-items:flex-start;background:var(--cream-2);border-radius:10px;padding:24px;margin:40px 0}
.authorbox .av{width:56px;height:56px;border-radius:50%;background:var(--pine);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;font-size:20px;flex-shrink:0}
.authorbox .an{font-weight:700;color:var(--pine);font-size:15.5px}
.authorbox .at{font-size:13.5px;color:var(--muted);margin-bottom:6px}
.authorbox p{font-size:14px!important;color:var(--muted);margin-bottom:0!important}

/* Related / cluster links */
.related{background:var(--cream-2)}
.related h2{margin-bottom:10px}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}
.rel-card{background:#fff;border-radius:10px;padding:24px;transition:transform .15s}
.rel-card:hover{transform:translateY(-4px)}
.rel-card .rc-tag{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px}
.rel-card h4{font-family:var(--serif);font-size:18px;margin-bottom:8px;color:var(--pine)}
.rel-card p{font-size:14px;color:var(--muted)}

/* REVIEWS (homepage strip + dedicated page) */
.reviews{background:var(--cream-2)}
.reviews-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:46px;flex-wrap:wrap}
.reviews-head p{color:var(--muted);max-width:420px;font-size:16px}
.rating-badge{display:flex;align-items:center;gap:16px}
.rating-badge .stars{color:var(--gold);font-size:22px;letter-spacing:3px}
.rating-badge .rn{font-family:var(--serif);font-weight:700;font-size:30px;color:var(--pine);line-height:1}
.rating-badge .rl{font-size:12.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.04em;margin-top:2px}
.rating-badge a{text-decoration:underline;text-decoration-color:rgba(35,72,127,.35);text-underline-offset:2px}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.rev-grid.rev-grid-2{grid-template-columns:repeat(2,1fr)}
.rev-card{background:#fff;border-radius:10px;padding:30px}
.rev-card .stars{color:var(--gold);font-size:15px;margin-bottom:16px;letter-spacing:2px}
.rev-card h4{font-family:var(--serif);font-weight:600;font-size:19px;margin-bottom:12px;color:var(--pine);letter-spacing:-.01em}
.rev-card p{font-size:14.5px;color:#2b3444;margin-bottom:18px;line-height:1.6}
.rev-card .rev-who{font-size:13.5px;font-weight:700;color:var(--pine)}
.rev-card .rev-loc{font-size:12.5px;color:var(--muted);font-weight:500}
.rev-card .rev-tags{display:flex;flex-wrap:wrap;gap:7px;margin-top:16px;padding-top:16px;border-top:1px solid var(--line)}
.rev-tag{font-size:11px;font-weight:600;background:var(--cream-2);color:var(--muted);padding:5px 10px;border-radius:20px;white-space:nowrap}
.rev-tag.good{background:rgba(224,162,46,.14);color:var(--gold-deep)}
.rev-source{margin-top:44px;text-align:center;font-size:13.5px;color:var(--muted)}
.rev-source a{color:var(--forest);text-decoration:underline;text-decoration-color:rgba(35,72,127,.35);text-underline-offset:2px}
@media(max-width:960px){.rev-grid{grid-template-columns:1fr}.rev-grid.rev-grid-2{grid-template-columns:1fr}}

/* ==== TWO-STEP LEAD CAPTURE ==== */
.start{background:var(--pine);color:var(--cream)}
.start-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.start-copy h2{color:var(--cream);font-size:clamp(28px,3.4vw,42px);letter-spacing:-.02em;margin-bottom:16px}
.start-copy .lead{color:rgba(244,241,232,.78);font-size:17px;margin-bottom:26px;max-width:46ch}
.start-points{list-style:none;display:flex;flex-direction:column;gap:12px;margin:0}
.start-points li{font-size:15px;color:rgba(244,241,232,.8);padding-left:26px;position:relative}
.start-points li::before{content:"\2713";position:absolute;left:0;color:var(--gold);font-weight:700}
.avail{display:inline-flex;align-items:center;gap:9px;margin-top:26px;background:rgba(244,241,232,.08);border:1px solid var(--line-cream);border-radius:30px;padding:9px 16px;font-size:13.5px;color:rgba(244,241,232,.85);font-weight:500}
.avail .dot{width:8px;height:8px;border-radius:50%;background:#4ade80;flex-shrink:0;box-shadow:0 0 0 3px rgba(74,222,128,.22)}
.avail .dot.off{background:var(--gold);box-shadow:0 0 0 3px rgba(224,162,46,.22)}
.start-card{background:var(--cream);border-radius:14px;padding:38px}
.sc-step{display:none}
.sc-step.on{display:block}
.sc-prog{display:flex;align-items:center;gap:10px;margin-bottom:24px}
.sc-prog .pd{height:4px;flex:1;background:var(--line);border-radius:4px;overflow:hidden}
.sc-prog .pd i{display:block;height:100%;width:0;background:var(--gold);transition:width .35s ease}
.sc-prog .pd.done i{width:100%}
.sc-prog .pl{font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep);white-space:nowrap}
.start-card h3{font-family:var(--serif);font-size:23px;color:var(--pine);margin-bottom:8px;letter-spacing:-.01em}
.start-card .sub{font-size:14.5px;color:var(--muted);margin-bottom:22px}
.sc-label{display:block;font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:11px}
.sc-opts{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:24px}
.sc-opts.one{grid-template-columns:1fr}
.sc-opt{background:#fff;border:1.5px solid var(--line);border-radius:9px;padding:13px 15px;font-family:var(--sans);font-size:14px;font-weight:500;color:var(--pine);cursor:pointer;text-align:left;transition:border-color .15s,background .15s;line-height:1.35}
.sc-opt:hover{border-color:var(--gold)}
.sc-opt.sel{border-color:var(--gold);background:rgba(224,162,46,.1);font-weight:600}
.sc-field{margin-bottom:16px}
.sc-field input,.sc-field textarea{width:100%;background:#fff;border:1.5px solid var(--line);border-radius:9px;padding:13px 15px;font-family:var(--sans);font-size:15px;color:var(--pine)}
.sc-field input:focus,.sc-field textarea:focus{outline:none;border-color:var(--gold)}
.sc-field textarea{resize:vertical;min-height:78px}
.sc-hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.sc-err{font-size:13px;color:#b4232a;margin-bottom:14px;display:none}
.sc-err.on{display:block}
.sc-back{background:none;border:none;font-family:var(--sans);font-size:13.5px;color:var(--muted);cursor:pointer;font-weight:500;margin-top:14px;text-decoration:underline;text-underline-offset:3px}
.sc-back:hover{color:var(--pine)}
.sc-fine{font-size:12.5px;color:var(--muted);margin-top:16px;line-height:1.5}
.sc-recap{background:var(--cream-2);border-radius:9px;padding:13px 16px;font-size:13.5px;color:var(--muted);margin-bottom:20px}
.sc-recap b{color:var(--pine)}
.start-card .btn{width:100%;justify-content:center}
.sc-done{text-align:center;padding:14px 0}
.sc-done .ic{width:56px;height:56px;border-radius:50%;background:rgba(224,162,46,.16);color:var(--gold-deep);display:flex;align-items:center;justify-content:center;font-size:27px;margin:0 auto 18px}
@media(max-width:960px){.start-grid{grid-template-columns:1fr;gap:40px}.start-card{padding:30px 24px}}
@media(max-width:560px){.sc-opts{grid-template-columns:1fr}}

/* About page credential rows */
.cred-list{display:flex;flex-direction:column;gap:0;margin-top:20px;border-top:1px solid var(--line)}
.cred-row{display:flex;justify-content:space-between;gap:20px;padding:18px 0;border-bottom:1px solid var(--line)}
.cred-row .ck{font-weight:600;color:var(--pine);font-size:15px}
.cred-row .cv{color:var(--muted);font-size:14.5px;text-align:right}

/* RESPONSIVE */
@media(max-width:1100px){.pcards{grid-template-columns:1fr 1fr}}
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;min-height:auto}
  .hero-left{padding:60px 0 52px}
  .hero-right{height:400px}
  .hero-right::after{background:linear-gradient(0deg,rgba(18,42,78,.6) 0%,transparent 30%)}
  .hero-right img{-webkit-mask-image:none;mask-image:none}
  .pos-grid,.calc-grid,.contact-grid{grid-template-columns:1fr;gap:40px}
  .pcards{grid-template-columns:1fr 1fr}
  .why-grid{grid-template-columns:1fr}
  .why-item:nth-child(even){padding-left:0;border-left:none}
  .stats-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .navlinks{display:flex}
  .burger{display:flex}
  .art-layout{grid-template-columns:1fr}
  .art-side{position:static}
  .related-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .wrap{padding:0 20px}
  .stats-grid{grid-template-columns:1fr}
  .sb{border-right:none;border-bottom:1px solid rgba(12,29,58,.16)}
  .steps{grid-template-columns:1fr}
  section{padding:70px 0}
  .pcards{grid-template-columns:1fr}
  .cta-inner{padding:56px 24px}
  .float-apply{right:14px;bottom:14px;padding:13px 20px}
  .related-grid{grid-template-columns:1fr}
  .tl-item{grid-template-columns:44px 1fr}
  .tl-n{width:44px;height:44px;font-size:16px}
  .tl-item::before{left:21px}
}