:root{
  color-scheme:dark;
  --bg:#0A1118; --bg2:#0E1822; --panel:#121E2A; --panel2:#172635; --line:#263747;
  --ink:#ECE7DB; --muted:#A5B2BC;
  --gold:#C9A862; --gold-hi:#DDC184; --gold-lo:#8F7436; --gold-tint:rgba(201,168,98,.12);
  --ok:#7FD1A0; --no:#EBA27A; --warn-bg:rgba(235,162,122,.09);
  --font-head:"Newsreader",Georgia,"Times New Roman",serif;
  --font-ui:"Familjen Grotesk","Segoe UI",system-ui,sans-serif;
  --w:1160px; --hh:64px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font-ui);font-size:17px;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold-hi);text-underline-offset:3px}
a:hover{color:#fff}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:2px}
h1,h2{font-family:var(--font-head);font-weight:500;line-height:1.12;letter-spacing:-.01em;color:var(--ink);margin:0 0 .5em}
h3,h4{font-family:var(--font-ui);font-weight:600;line-height:1.25;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.8vw,3.4rem)}
h2{font-size:clamp(1.55rem,3vw,2.2rem);margin-top:2em;scroll-margin-top:140px}
h3{font-size:1.2rem;margin-top:1.6em}
p,ul,ol{margin:0 0 1.1em}
.wrap{max-width:var(--w);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#14100A;padding:8px 14px;z-index:99}
.skip:focus{left:8px;top:8px}
.lede{font-size:1.15rem;color:#D3D9D6;max-width:58ch;margin:.4em 0 0}
.fine{font-size:.85rem;color:var(--muted);margin-top:.7em;line-height:1.45}
.ok{color:var(--ok)} .no{color:var(--no)}

/* header */
.site-header{background:rgba(10,17,24,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hbar{display:flex;align-items:center;gap:20px;min-height:var(--hh)}
.brand{font-family:var(--font-head);font-weight:500;font-size:1.3rem;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:10px;white-space:nowrap}
.brand-mark{width:26px;height:26px}
.nav{display:flex;gap:2px;margin-left:auto;align-items:center}
.nav a{font-weight:500;font-size:.97rem;color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:6px;white-space:nowrap}
.nav a:hover,.nav a[aria-current]{background:var(--gold-tint);color:var(--gold-hi)}
.nav .nav-cta{background:var(--gold);color:#14100A;margin-left:8px;font-weight:600}
.nav .nav-cta:hover{background:var(--gold-hi);color:#14100A}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:6px;padding:8px 14px;font:600 .95rem var(--font-ui);color:var(--ink)}
@media(max-width:900px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:var(--hh);background:var(--bg);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 20px 16px;margin:0}
  .nav.open{display:flex}
  .nav a{padding:12px 8px}
  .nav .nav-cta{margin:8px 0 0;text-align:center}
}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-ui);font-weight:600;font-size:1.02rem;text-decoration:none;padding:13px 22px;border-radius:8px;border:2px solid transparent;cursor:pointer;line-height:1.2}
.btn-wa{background:var(--gold);color:#14100A}
.btn-wa:hover{background:var(--gold-hi);color:#14100A}
.btn-line{background:transparent;color:var(--gold-hi);border-color:var(--gold-lo)}
.btn-line:hover{background:var(--gold-tint);color:#fff;border-color:var(--gold)}
.btn-block{display:flex;width:100%}

/* hero (home) */
.hero{position:relative;isolation:isolate;min-height:min(88vh,760px);display:flex;align-items:flex-end;background:var(--bg)}
.hero-bg{position:absolute;inset:0;z-index:-2}
.hero-bg img{width:100%;height:100%;object-fit:cover}
.hero:after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(10,17,24,.88) 0%,rgba(10,17,24,.45) 55%,rgba(10,17,24,.1) 100%),linear-gradient(0deg,rgba(10,17,24,1) 0%,rgba(10,17,24,0) 22%)}
.hero .wrap{width:100%}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:end;padding-top:80px;padding-bottom:56px}
.hero h1{font-size:clamp(2.5rem,5.6vw,4.4rem);max-width:15ch;margin-bottom:.3em}
.hero .lede{font-size:1.2rem;color:#E1E5E2;max-width:40ch}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
@media(max-width:940px){
  .hero-grid{grid-template-columns:1fr;gap:28px;padding-top:56px}
  .hero h1{max-width:none}
  .hero{min-height:0}
  .hero-bg{bottom:auto;height:340px}
  .hero:after{background:linear-gradient(0deg,rgba(10,17,24,1) 0%,rgba(10,17,24,1) calc(100% - 340px),rgba(10,17,24,.1) calc(100% - 340px)),linear-gradient(0deg,rgba(10,17,24,0) 0%,rgba(10,17,24,0) 100%)}
  .hero-grid{padding-top:250px}
}
.lead-card{background:rgba(18,30,42,.94);backdrop-filter:blur(6px);border:1px solid rgba(201,168,98,.4);border-radius:12px;padding:24px 24px 20px;box-shadow:0 20px 50px -20px rgba(0,0,0,.7)}
.lead-card h2{font-size:1.55rem;margin:0 0 .25em}
.lead-card .sub{font-size:.95rem;color:var(--muted);margin-bottom:.8em}
.checks{list-style:none;padding:0;margin:0 0 1.1em;display:grid;grid-template-columns:1fr 1fr;gap:4px 14px;font-size:.95rem}
.checks li{padding-left:22px;position:relative}
.checks li:before{content:"";position:absolute;left:2px;top:.5em;width:9px;height:5px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
@media(max-width:520px){.checks{grid-template-columns:1fr}}
.alt-form{margin-top:14px;border-top:1px solid var(--line);padding-top:10px}
.alt-form summary{cursor:pointer;font-weight:600;color:var(--gold-hi);padding:6px 0}
.alt-form form{margin-top:12px}

/* facts band */
.facts{background:var(--bg2);border-bottom:1px solid var(--line)}
.facts-grid{display:grid;grid-template-columns:repeat(5,1fr)}
.fact{padding:22px 18px;border-right:1px solid var(--line)}
.fact:last-child{border-right:0}
.fact b{display:block;font-family:var(--font-head);font-weight:500;font-size:1.9rem;line-height:1.1;color:var(--gold-hi)}
.fact span{font-size:.92rem;color:var(--muted);line-height:1.35;display:block;margin-top:4px}
@media(max-width:820px){.facts-grid{grid-template-columns:1fr 1fr}.fact{border-bottom:1px solid var(--line)}}

/* sections */
.section{padding:68px 0}
.section.alt{background:var(--bg2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{max-width:62ch;margin-bottom:28px}
.sec-head h2{margin:0 0 .3em}
.sec-head p{color:var(--muted);margin:0}
.paths{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:900px){.paths{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.paths{grid-template-columns:1fr}}
a.path{display:block;background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:20px 22px;text-decoration:none;color:var(--ink)}
a.path h3{margin:0 0 .3em;font-size:1.15rem;color:var(--gold-hi)}
a.path span{color:var(--muted);font-size:.97rem;line-height:1.5;display:block}
a.path:hover{border-color:var(--gold);background:var(--panel2)}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.split.rev{grid-template-columns:.9fr 1.1fr}
@media(max-width:900px){.split,.split.rev{grid-template-columns:1fr;gap:24px}}
.split h2{margin-top:0}
.keyfacts{display:grid;grid-template-columns:auto 1fr;gap:6px 18px;margin:0 0 1.2em}
.keyfacts dt{color:var(--muted)}
.keyfacts dd{margin:0;font-weight:500}
.mosaic{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:1.4em}
.mosaic img{border-radius:8px;width:100%;aspect-ratio:4/3;object-fit:cover}
@media(max-width:560px){.mosaic{grid-template-columns:1fr}}
.fig{margin:0 0 1.6em}
.fig img{width:100%;height:auto;border-radius:10px;border:1px solid var(--line)}
.fig figcaption{font-size:.85rem;color:var(--muted);margin-top:8px}
.hubs{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media(max-width:980px){.hubs{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.hubs{grid-template-columns:1fr}}
.hub{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:20px}
.hub.primary{border-color:var(--gold-lo)}
.hub h3{margin:0 0 .3em;font-size:1.15rem}
.hub h3 a{color:var(--gold-hi);text-decoration:none}
.hub-note{font-size:.93rem;color:var(--muted);margin-bottom:.8em;line-height:1.45}
.hub ul{list-style:none;padding:0;margin:0}
.hub li{border-top:1px solid var(--line);padding:6px 0;font-size:.97rem}
.hub li a{color:var(--ink);text-decoration:none}
.hub li a:hover{color:var(--gold-hi);text-decoration:underline}

/* inner page banner, subnav, layout */
.banner{position:relative;isolation:isolate;padding:46px 0 32px;border-bottom:1px solid var(--line);overflow:hidden;background:var(--bg)}
.banner-img{position:absolute;inset:0;z-index:-2}
.banner-img img{width:100%;height:100%;object-fit:cover}
.banner:after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(10,17,24,.95) 0%,rgba(10,17,24,.78) 55%,rgba(10,17,24,.5) 100%)}
.crumbs{font-size:.9rem;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--gold-hi)}
.asof{display:inline-block;font-size:.88rem;background:var(--gold-tint);color:var(--gold-hi);border:1px solid rgba(201,168,98,.35);padding:3px 12px;border-radius:99px;margin-top:16px;font-weight:500}
.subnav{position:sticky;top:var(--hh);z-index:40;background:rgba(14,24,34,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.subnav nav{display:flex;gap:4px;align-items:center;overflow-x:auto;white-space:nowrap;position:relative;scrollbar-width:none;padding:6px 0}
.subnav nav::-webkit-scrollbar{display:none}
.sn-title{font-family:var(--font-head);font-size:1.05rem;color:var(--muted);padding:0 14px 0 0;margin-right:6px;border-right:1px solid var(--line)}
.subnav a{font-weight:500;font-size:.95rem;color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:6px;border-bottom:2px solid transparent}
.subnav a:hover{background:var(--gold-tint)}
.subnav a[aria-current]{color:var(--gold-hi);border-bottom-color:var(--gold);border-radius:6px 6px 0 0}
.page{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding-top:36px;padding-bottom:72px}
.page.solo{grid-template-columns:minmax(0,820px)}
@media(max-width:1000px){.page{grid-template-columns:minmax(0,1fr)}.rail{display:none}}
.prose h2:first-child{margin-top:0}
.prose li{margin-bottom:.35em}
.rail{position:sticky;top:calc(var(--hh) + 64px);align-self:start;display:grid;gap:18px}
.toc h4,.rail-card h4{font-size:.95rem;color:var(--muted);font-weight:600;margin:0 0 8px}
.toc ul{list-style:none;padding:0;margin:0;border-left:2px solid var(--line)}
.toc li{margin:0}
.toc a{display:block;padding:5px 12px;margin-left:-2px;border-left:2px solid transparent;color:var(--ink);text-decoration:none;font-size:.93rem;line-height:1.35}
.toc a:hover{color:var(--gold-hi);border-left-color:var(--gold)}
.rail-card{background:var(--panel);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:10px;padding:18px}
.rail-card h4{color:var(--ink);font-size:1.05rem}
.rail-card p{font-size:.93rem;color:var(--muted);margin-bottom:.9em;line-height:1.5}

/* tables */
.tbl-wrap{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--line);border-radius:10px;background:var(--panel)}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:520px}
th,td{text-align:left;padding:10px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--panel2);font-weight:600;color:var(--gold-hi);white-space:nowrap}
tr:last-child td{border-bottom:0}
td.n,th.n{text-align:right;font-variant-numeric:tabular-nums}
tr.best td{background:var(--gold-tint)}
tr.gone td{color:#76848F}
caption{caption-side:bottom;text-align:left;padding:10px 14px;font-size:.85rem;color:var(--muted)}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 12px}
.chips button{font:500 .93rem var(--font-ui);background:var(--panel);color:var(--ink);border:1px solid var(--line);border-radius:99px;padding:7px 16px;cursor:pointer}
.chips button:hover{border-color:var(--gold)}
.chips button[aria-pressed=true]{background:var(--gold);border-color:var(--gold);color:#14100A;font-weight:600}

/* callouts, ctas */
.callout{border-left:3px solid var(--gold);background:var(--panel);padding:14px 18px;margin:0 0 1.4em;border-radius:0 8px 8px 0}
.callout.warn{border-color:var(--no);background:var(--warn-bg)}
.callout p:last-child{margin-bottom:0}
.cta-inline{background:var(--panel2);border:1px solid rgba(201,168,98,.35);border-radius:12px;padding:24px 26px;margin:2.2em 0 1em;display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.cta-inline h3{margin:0 0 .25em;font-size:1.3rem;font-family:var(--font-head);font-weight:500}
.cta-inline p{margin:0;font-size:1rem;color:#C5CFD3}
.cta-inline .txt{flex:1 1 300px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:700px){.grid2{grid-template-columns:1fr}}
.pros,.cons{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:16px 20px}
.pros{border-top:3px solid var(--gold)}
.cons{border-top:3px solid var(--no)}
.pros h3,.cons h3{margin-top:0}
.pros ul,.cons ul{padding-left:1.2em;margin:0}

/* plans */
.plans{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px;margin-bottom:1.4em}
.plan{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:12px;font-size:.92rem}
.plan a.pimg{display:block;margin-bottom:8px}
.plan img{aspect-ratio:1/1;object-fit:contain;background:#fff;width:100%;border-radius:6px}
.plan b{display:block}
.plan span{color:var(--muted)}

/* calculators */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.95fr);gap:22px;background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:22px;margin:0 0 1.6em;align-items:start}
@media(max-width:760px){.calc{grid-template-columns:1fr}}
.calc h2{font-size:1.4rem;margin:0 0 .6em}
.calc .row{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px;margin-bottom:14px}
label{display:block;font-size:.92rem;font-weight:600;margin-bottom:4px}
input[type=number],input[type=text],input[type=tel],select{width:100%;font:inherit;font-size:1rem;padding:10px 12px;border:1px solid #3A4C5C;border-radius:6px;background:#0C151E;color:var(--ink)}
input:focus,select:focus{border-color:var(--gold)}
.hint{font-weight:400;font-size:.82rem;color:var(--muted);display:block}
.out{background:var(--bg2);border:1px solid var(--line);border-radius:10px;padding:16px 18px}
.calc .out{position:sticky;top:calc(var(--hh) + 64px)}
.out .big{font-family:var(--font-head);font-size:2rem;font-weight:500;color:var(--gold-hi);line-height:1.15}
.out dl{display:grid;grid-template-columns:1fr auto;gap:5px 16px;margin:10px 0 0;font-size:.93rem}
.out dt{color:var(--muted)}
.out dd{margin:0;text-align:right;font-weight:600;font-variant-numeric:tabular-nums}

/* faq */
.faq details{background:var(--panel);border:1px solid var(--line);border-radius:10px;margin-bottom:8px}
.faq summary{cursor:pointer;padding:14px 18px;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:1.3rem;line-height:1;color:var(--gold)}
.faq details[open] summary:after{content:"\2212"}
.faq details p{padding:0 18px;margin:0 0 1em;color:#D3D9D6}

/* forms */
.form-grid{display:grid;gap:12px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted);line-height:1.4;font-weight:400}
.consent input{margin-top:3px;flex:none;width:18px;height:18px;accent-color:var(--gold)}
.hp{position:absolute;left:-9999px}

/* related */
.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:0 0 1.4em}
.related a{display:block;background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:14px 16px;text-decoration:none;font-weight:600;color:var(--gold-hi)}
.related a small{display:block;font-weight:400;color:var(--muted);font-size:.9rem;line-height:1.4;margin-top:4px}
.related a:hover{border-color:var(--gold);background:var(--panel2)}

/* agent block + footer */
.agent{background:var(--panel);border-top:1px solid var(--line);padding:60px 0}
.agent-in{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:center}
@media(max-width:800px){.agent-in{grid-template-columns:1fr}}
.agent h2{margin:0 0 .3em;font-size:1.8rem}
.agent p{color:#D3D9D6;margin-bottom:.6em}
.agent .role{color:var(--muted);font-size:.95rem}
.agent-actions{display:grid;gap:10px}
.agent-links{list-style:none;padding:0;margin:6px 0 0;display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.93rem}
.footer{background:#070C11;color:#9DAAB3;padding:48px 0 96px;font-size:.92rem;line-height:1.55}
.footer a{color:#D5DCDF}
.foot-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;margin-bottom:30px}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
.footer h4{color:var(--gold-hi);font-size:.98rem;margin:0 0 8px}
.footer h4 a{color:var(--gold-hi)}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{padding:2px 0}
.legal{border-top:1px solid var(--line);padding-top:20px;font-size:.82rem;color:#8593A0}

/* mobile sticky bar */
.wa-bar{display:none}
@media(max-width:700px){
  .wa-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;background:rgba(10,17,24,.97);border-top:1px solid var(--line);padding:10px 14px}
  .wa-bar .btn{flex:1;padding:12px 10px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
@media print{.site-header,.subnav,.wa-bar,.footer,.rail,.cta-inline,.agent{display:none}body{background:#fff;color:#000}}

.wa-alt{margin:12px 0 0;text-align:center;font-size:.95rem;color:#D3D9D6}
.wa-alt a{color:var(--gold-hi);font-weight:600}
#get-report{scroll-margin-top:90px}