:root{--paper: #f4f4ef;--paper-2: #eaebe3;--white: #fdfdfb;--ink: #12282c;--forest: #14595c;--forest-deep: #0e4649;--forest-dk: #0d1f23;--forest-lt: #1e7d7c;--gold: #a76b12;--gold-lt: #eaa943;--body: #35443f;--muted: #6d7a74;--rule: #d9dcd2;--rule-soft: #e6e8df;--accent-soft: #e7ede6;--display: "Schibsted Grotesk", "Segoe UI", system-ui, sans-serif;--sans: "Hanken Grotesk", "Helvetica Neue", Arial, sans-serif;--mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;--r: 10px;--r-lg: 18px;--shadow-sm: 0 1px 2px rgba(18,40,44,.05);--shadow: 0 6px 24px -8px rgba(18,40,44,.12);--shadow-lg: 0 24px 60px -16px rgba(18,40,44,.28);--maxw: 1180px;--gutter: clamp(1.25rem, 4vw, 3rem);--ease: cubic-bezier(.22, 1, .36, 1)}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--sans);color:var(--body);background-color:var(--paper);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}::selection{background:var(--gold-lt);color:var(--ink)}img,svg{display:block;max-width:100%}h1,h2,h3{font-family:var(--display);color:var(--ink);font-weight:700;line-height:1.05;letter-spacing:-.022em}h1{font-size:clamp(2.5rem,1.4rem + 4.2vw,4.4rem);font-weight:800;letter-spacing:-.03em}h2{font-size:clamp(1.7rem,1.2rem + 1.9vw,2.5rem);line-height:1.08}h3{font-size:1.3rem;line-height:1.22}h4{font-family:var(--mono);font-size:.78rem;font-weight:500;letter-spacing:.09em;text-transform:uppercase;color:var(--ink)}p{line-height:1.7}a{color:var(--forest);text-decoration:none;transition:color .2s var(--ease)}a:hover{color:var(--forest-lt)}strong{color:var(--ink);font-weight:700}em{font-style:italic}.kicker{display:inline-flex;align-items:center;gap:.7rem;font-family:var(--mono);font-size:.72rem;font-weight:500;letter-spacing:.15em;text-transform:uppercase;color:var(--forest)}.kicker:before{content:"";width:1.05rem;height:.85rem;flex-shrink:0;background:linear-gradient(var(--ink),var(--ink)) 0 0 / 100% 3px no-repeat,linear-gradient(var(--gold-lt),var(--gold-lt)) 0 50% / 100% 3px no-repeat,linear-gradient(var(--ink),var(--ink)) 0 100% / 100% 3px no-repeat;border-radius:1px}.kicker.on-dark{color:var(--gold-lt)}.kicker.on-dark:before{background:linear-gradient(#fdfdfbd9,#fdfdfbd9) 0 0 / 100% 3px no-repeat,linear-gradient(var(--gold-lt),var(--gold-lt)) 0 50% / 100% 3px no-repeat,linear-gradient(#fdfdfbd9,#fdfdfbd9) 0 100% / 100% 3px no-repeat}.wrap{max-width:var(--maxw);margin:0 auto;padding-inline:var(--gutter)}.wrap-narrow{max-width:760px;margin:0 auto;padding-inline:var(--gutter)}.section{padding-block:clamp(3.5rem,2rem + 5vw,6.5rem)}.section.tight{padding-block:clamp(2.25rem,1.75rem + 2vw,3.25rem)}.band-soft{background:var(--paper-2)}.band-ink{background:var(--forest-dk);color:#fdfdfbc7}.band-ink h1,.band-ink h2,.band-ink h3{color:var(--white)}.sec-head{max-width:780px;margin-bottom:clamp(2rem,1rem + 2vw,3.25rem)}.sec-head.center{margin-inline:auto;text-align:center}.sec-head.center .kicker{justify-content:center}.sec-head .kicker{margin-bottom:1rem}.sec-head h2{margin-bottom:.9rem}.sec-head p{font-size:1.1rem;color:var(--muted)}.prose>*+*{margin-top:1.2rem}.prose p{font-size:1.04rem}.prose h2{margin-top:2.6rem;margin-bottom:.5rem}.prose h3{margin-top:1.9rem}.prose ul{padding-left:0;list-style:none}.prose ul li{position:relative;padding-left:1.7rem;margin-bottom:.55rem}.prose ul li:before{content:"";position:absolute;left:0;top:.5rem;width:.85rem;height:.6rem;background:linear-gradient(var(--rule),var(--rule)) 0 0 / 100% 2px no-repeat,linear-gradient(var(--gold-lt),var(--gold-lt)) 0 50% / 100% 2px no-repeat,linear-gradient(var(--rule),var(--rule)) 0 100% / 100% 2px no-repeat}.prose ol{padding-left:1.4rem}.prose ol li{margin-bottom:.55rem;padding-left:.3rem}.prose ol li::marker{font-family:var(--mono);font-weight:500;color:var(--forest)}.prose a{text-decoration:underline;text-decoration-color:var(--rule);text-underline-offset:3px}.prose a:hover{text-decoration-color:var(--forest-lt)}.lede{font-size:clamp(1.1rem,1rem + .5vw,1.28rem);line-height:1.62;color:var(--body);font-weight:400}.lede strong{font-weight:600}.btn{display:inline-flex;align-items:center;gap:.55rem;font-family:var(--display);font-weight:700;font-size:.98rem;letter-spacing:-.005em;padding:.85rem 1.5rem;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:background .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease),transform .2s var(--ease);text-decoration:none}.btn:active{transform:scale(.98)}.btn-solid{background:var(--forest);color:var(--white)}.btn-solid:hover{background:var(--forest-lt);color:var(--white)}.btn-light{background:var(--white);color:var(--ink);border-color:var(--white)}.btn-light:hover{background:transparent;color:var(--white)}.btn-gold{background:var(--gold-lt);color:var(--ink)}.btn-gold:hover{background:#f2bb63;color:var(--ink)}.btn-ghost{background:transparent;color:var(--ink);border-color:#12282c40}.btn-ghost:hover{border-color:var(--ink);background:var(--white);color:var(--ink)}.band-ink .btn-ghost,.cta .btn-ghost{color:var(--white);border-color:#fdfdfb66}.band-ink .btn-ghost:hover,.cta .btn-ghost:hover{background:var(--white);color:var(--ink);border-color:var(--white)}.btn .arr{transition:transform .2s var(--ease)}.btn:hover .arr{transform:translate(3px)}.site-header{position:sticky;top:0;z-index:100;background:#f4f4efe0;backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--rule)}.nav{max-width:var(--maxw);margin:0 auto;padding:.85rem var(--gutter);display:flex;align-items:center;justify-content:space-between;gap:1rem}.brand{display:inline-flex;align-items:center;gap:.65rem;color:var(--ink)}.brand .mark,.footer-brand .mark{width:28px;height:24px;flex-shrink:0;border-radius:3px;background:linear-gradient(var(--ink),var(--ink)) 0 0 / 100% 30% no-repeat,linear-gradient(var(--gold-lt),var(--gold-lt)) 0 50% / 100% 30% no-repeat,linear-gradient(var(--ink),var(--ink)) 0 100% / 100% 30% no-repeat}.brand .name{font-family:var(--display);font-weight:800;font-size:1.22rem;line-height:1;letter-spacing:-.03em}.nav-links{display:flex;align-items:center;gap:1.4rem}.nav-links a{color:var(--ink);font-family:var(--sans);font-weight:600;font-size:.92rem;position:relative}.nav-links a:hover,.nav-links a[aria-current=page]{color:var(--forest)}.nav-links a[aria-current=page]:after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:3px;border-radius:2px;background:var(--gold-lt)}.nav-item{position:relative}.nav-trigger{display:inline-flex;align-items:center;gap:.3rem}.nav-trigger .caret{font-size:.55rem;opacity:.55;transition:transform .2s var(--ease)}.nav-item:hover .nav-trigger .caret,.nav-item:focus-within .nav-trigger .caret{transform:rotate(180deg)}.dropdown{position:absolute;top:100%;left:50%;transform:translate(-50%) translateY(8px);min-width:300px;padding-top:14px;opacity:0;visibility:hidden;transition:opacity .18s var(--ease),transform .18s var(--ease);z-index:200}.dropdown.wide{min-width:560px}.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{opacity:1;visibility:visible;transform:translate(-50%) translateY(0)}.dd-inner,.dd-grid{background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:.6rem}.dd-inner{display:flex;flex-direction:column}.dd-inner a,.dd-grid a{display:block;padding:.5rem .8rem;border-radius:8px;color:var(--ink);font-weight:500;font-size:.92rem}.dd-inner a:hover,.dd-grid a:hover{background:var(--paper-2);color:var(--forest)}.dd-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:.1rem}.dd-grid.two{grid-template-columns:1fr 1fr}.dd-all{color:var(--forest)!important;font-family:var(--display)!important;font-weight:700!important;font-size:.86rem!important;border-top:1px solid var(--rule-soft);margin-top:.3rem;padding-top:.7rem!important;grid-column:1 / -1}.nav-cta{background:var(--forest);color:var(--white)!important;padding:.6rem 1.2rem;border-radius:999px;font-family:var(--display);font-weight:700;font-size:.9rem;border:none;cursor:pointer;transition:background .2s var(--ease)}.nav-cta:hover{background:var(--forest-lt)}.nav-burger{display:none;background:none;border:none;cursor:pointer;padding:.4rem}.burger-bars{display:block;width:24px;height:16px;position:relative}.burger-bars span{position:absolute;left:0;width:100%;height:2.5px;border-radius:2px;background:var(--ink)}.burger-bars span:nth-child(1){top:0}.burger-bars span:nth-child(2){top:7px;background:var(--gold-lt)}.burger-bars span:nth-child(3){top:14px}.mobile-nav,.mobile-nav-scrim{display:none}@media(max-width:860px){.mobile-nav{display:flex;flex-direction:column;position:fixed;top:0;right:0;bottom:0;width:min(86vw,340px);background:var(--paper);z-index:1100;border-left:1px solid var(--rule);transform:translate(102%);transition:transform .3s var(--ease);overflow-y:auto;box-shadow:var(--shadow-lg)}.mobile-nav.open{transform:translate(0)}.mobile-nav-scrim{display:block;position:fixed;inset:0;background:#0d1f2380;z-index:1090;opacity:0;visibility:hidden;transition:opacity .3s}.mobile-nav-scrim.open{opacity:1;visibility:visible}}.mnav-head{display:flex;align-items:center;justify-content:space-between;padding:1.1rem 1.5rem;border-bottom:1px solid var(--rule)}.mnav-title{font-family:var(--mono);font-size:.72rem;text-transform:uppercase;letter-spacing:.16em;color:var(--forest);font-weight:500}.mnav-close{background:none;border:none;font-size:1.9rem;line-height:1;color:var(--muted);cursor:pointer}.mnav-body{padding:.75rem 1.5rem 2rem;display:flex;flex-direction:column}.mnav-link,.mnav-group>summary{display:block;padding:.85rem 0;border-bottom:1px solid var(--rule-soft);font-family:var(--display);font-size:1.14rem;font-weight:700;color:var(--ink);cursor:pointer}.mnav-link:hover{color:var(--forest)}.mnav-group>summary{list-style:none;display:flex;align-items:center;justify-content:space-between}.mnav-group>summary::-webkit-details-marker{display:none}.mnav-group>summary:after{content:"+";color:var(--gold);font-family:var(--mono);font-size:1.25rem}.mnav-group[open]>summary:after{content:"-"}.mnav-sub{display:flex;flex-direction:column;padding:.3rem 0 .7rem .4rem}.mnav-sub a{padding:.5rem 0;color:var(--body);font-size:.98rem}.mnav-sub a:hover{color:var(--forest)}.mnav-sub .mnav-all{color:var(--forest);font-weight:700}.mnav-cta{width:100%;justify-content:center;margin-top:1.4rem}.hero{position:relative;background:var(--paper);color:var(--ink);overflow:hidden}.hero:before{content:"";position:absolute;inset:0;pointer-events:none;background:repeating-linear-gradient(180deg,transparent 0 88px,rgba(18,40,44,.028) 88px 90px)}.hero-inner{position:relative;max-width:var(--maxw);margin:0 auto;padding:clamp(3.5rem,2.5rem + 4.5vw,6.75rem) var(--gutter) clamp(3rem,2rem + 3.5vw,5.25rem)}.hero.compact .hero-inner{padding-block:clamp(2.75rem,2.25rem + 2.5vw,4.25rem)}.hero .kicker{margin-bottom:1.4rem}.hero h1{max-width:16ch}.hero h1 em{font-style:normal;position:relative;white-space:nowrap}.hero h1 em:after{content:"";position:absolute;left:0;right:0;bottom:.04em;height:.16em;border-radius:3px;background:var(--gold-lt);z-index:-1}.hero .lede{color:var(--body);margin-top:1.4rem;max-width:56ch}.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:.8rem;margin-top:2.2rem}.hero-split{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(2rem,1rem + 4vw,5rem);align-items:center}@media(max-width:900px){.hero-split{grid-template-columns:1fr}}.stackp{background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.6rem 1.6rem 1.5rem;box-shadow:var(--shadow-lg)}.stackp .sp-eyebrow{font-family:var(--mono);font-size:.68rem;letter-spacing:.15em;text-transform:uppercase;color:var(--muted);display:flex;align-items:center;gap:.6rem}.stackp .sp-eyebrow:after{content:"";flex:1;height:1px;background:var(--rule)}.stackp .sp-cost{margin-top:1.1rem}.stackp .sp-cost label{display:flex;justify-content:space-between;align-items:baseline;font-family:var(--mono);font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:.5rem}.stackp .sp-cost output{font-family:var(--mono);font-size:1rem;font-weight:600;color:var(--ink);letter-spacing:0}.stackp input[type=range]{width:100%;accent-color:var(--forest);cursor:pointer}.stack{margin-top:1.2rem;display:flex;flex-direction:column;gap:6px}.stack .layer{display:grid;grid-template-columns:1fr auto;align-items:center;gap:.8rem;border-radius:8px;padding:.7rem 1rem;transition:flex-basis .3s var(--ease)}.stack .layer .ly-name{font-family:var(--display);font-weight:700;font-size:.95rem;line-height:1.1}.stack .layer .ly-sub{display:block;font-family:var(--mono);font-size:.64rem;letter-spacing:.06em;text-transform:uppercase;opacity:.75;margin-top:.2rem}.stack .layer .ly-amt{font-family:var(--mono);font-size:.95rem;font-weight:600;font-variant-numeric:tabular-nums;text-align:right}.stack .layer.equity{background:var(--paper-2);color:var(--ink);border:1px dashed var(--rule);min-height:3.1rem}.stack .layer.mezz{background:var(--gold-lt);color:var(--ink);min-height:5rem;box-shadow:0 8px 22px -8px #eaa9438c}.stack .layer.mezz .ly-name{font-size:1.05rem}.stack .layer.senior{background:var(--ink);color:var(--white);min-height:7.2rem}.stackp .sp-read{font-size:.9rem;line-height:1.55;color:var(--muted);margin-top:1.1rem}.stackp .sp-read b{color:var(--ink)}.stackp .btn{width:100%;justify-content:center;margin-top:1.1rem}.stackp .sp-foot{font-family:var(--mono);font-size:.62rem;letter-spacing:.04em;color:var(--muted);margin-top:.8rem;text-align:center}.crumbs{max-width:var(--maxw);margin:0 auto;padding:1rem var(--gutter);font-family:var(--mono);font-size:.72rem;letter-spacing:.03em;color:var(--muted);text-transform:uppercase}.crumbs a{color:var(--muted)}.crumbs a:hover{color:var(--forest)}.crumbs .sep{margin:0 .5rem;opacity:.5}.statband{background:var(--paper);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}.statband .grid{max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter);display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr))}.statband .cell{padding:1.7rem 1.4rem 1.6rem;border-left:1px solid var(--rule)}.statband .cell:first-child{border-left:none;padding-left:0}.statband .num{font-family:var(--display);font-size:clamp(1.6rem,1.2rem + 1.2vw,2.3rem);font-weight:800;color:var(--ink);letter-spacing:-.03em;line-height:1.05}.statband .lbl{margin-top:.5rem;font-family:var(--mono);font-size:.67rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}@media(max-width:720px){.statband .cell{border-left:none;padding-left:0;border-top:1px solid var(--rule)}.statband .cell:first-child{border-top:none}}.statstrip{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1.5rem}.statstrip .num{font-family:var(--display);font-weight:800;font-size:1.8rem;color:var(--ink);letter-spacing:-.02em}.statstrip .lbl{font-family:var(--mono);font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-top:.4rem}.grid-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.1rem}.card{position:relative;display:flex;flex-direction:column;background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.7rem 1.6rem 1.5rem;text-decoration:none;color:inherit;box-shadow:var(--shadow-sm);transition:box-shadow .25s var(--ease),transform .25s var(--ease),border-color .25s var(--ease)}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#c8ccbf}.card .ic{width:38px;height:38px;color:var(--forest);margin-bottom:1.1rem}.ic svg{width:100%;height:100%}.go .arr,.btn .arr{width:1.05em;height:1.05em}.card h3{margin-bottom:.55rem;font-size:1.24rem}.card p{color:var(--muted);font-size:.95rem;line-height:1.62}.card .go{margin-top:auto;padding-top:1.1rem;color:var(--forest);font-family:var(--display);font-weight:700;font-size:.9rem;display:inline-flex;align-items:center;gap:.4rem}.card:hover .go{color:var(--forest-lt)}.card .go .arr{transition:transform .2s var(--ease)}.card:hover .go .arr{transform:translate(3px)}.feature-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.75rem 2.4rem}.feature{display:flex;gap:1rem}.feature .ic{width:36px;height:36px;flex-shrink:0;color:var(--forest)}.feature h4{margin-bottom:.3rem;font-family:var(--display);font-size:1.05rem;font-weight:700;text-transform:none;letter-spacing:-.01em}.feature p{color:var(--muted);font-size:.95rem}.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.1rem;counter-reset:step}.step{position:relative;counter-increment:step;background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.5rem 1.5rem 1.4rem;box-shadow:var(--shadow-sm)}.step:before{content:counter(step,decimal-leading-zero);display:inline-flex;align-items:center;justify-content:center;font-family:var(--mono);font-size:.74rem;letter-spacing:.05em;color:var(--ink);font-weight:600;background:var(--gold-lt);border-radius:999px;padding:.25rem .65rem;margin-bottom:.9rem}.step h4{margin-bottom:.45rem;font-family:var(--display);font-size:1.08rem;font-weight:700;text-transform:none;letter-spacing:-.01em}.step p{color:var(--muted);font-size:.94rem}.panel{background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.6rem 1.7rem;box-shadow:var(--shadow-sm)}.panel.accent{border-top:4px solid var(--gold-lt)}.panel h4{margin-bottom:.9rem;color:var(--forest)}.deflist{list-style:none}.deflist li{display:flex;justify-content:space-between;gap:1rem;padding:.52rem 0;border-bottom:1px solid var(--rule-soft);font-size:.95rem}.deflist li:last-child{border-bottom:none}.deflist .k{color:var(--muted)}.deflist .v{color:var(--ink);font-family:var(--mono);font-size:.85rem;font-weight:500;text-align:right;font-variant-numeric:tabular-nums}.note{font-size:.84rem;color:var(--muted);margin-top:.9rem;font-style:italic}.cols{display:grid;grid-template-columns:1.4fr 1fr;gap:clamp(2rem,1rem + 3vw,4rem);align-items:start}.cols.even{grid-template-columns:1fr 1fr}.tbl-wrap{border:1px solid var(--rule);border-radius:var(--r);overflow-x:auto;background:var(--white);box-shadow:var(--shadow-sm)}table.tbl{width:100%;border-collapse:collapse;font-size:.92rem}.tbl th,.tbl td{text-align:left;padding:.65rem .95rem;border-bottom:1px solid var(--rule-soft)}.tbl thead th{background:var(--paper-2);color:var(--ink);font-family:var(--mono);font-weight:500;font-size:.68rem;text-transform:uppercase;letter-spacing:.07em;border-bottom:1px solid var(--rule)}.tbl tbody tr:last-child td{border-bottom:none}.tbl tbody tr:hover td{background:#fafaf6}.tbl .num{text-align:right;font-variant-numeric:tabular-nums;font-family:var(--mono);font-size:.85rem}.tbl .rank{color:var(--muted);font-family:var(--mono);font-size:.78rem}.home-links{display:flex;flex-wrap:wrap;gap:.55rem}.home-links a{display:inline-block;padding:.45rem .95rem;background:var(--white);border:1px solid var(--rule);border-radius:999px;color:var(--ink);font-weight:600;font-size:.88rem;transition:border-color .2s var(--ease),color .2s var(--ease),background .2s var(--ease)}.home-links a:hover{border-color:var(--forest);color:var(--forest);background:#fbfbf8}.home-links a.all{background:var(--forest);border-color:var(--forest);color:var(--white)}.home-links a.all:hover{background:var(--forest-lt);color:var(--white)}.pullquote{font-family:var(--display);font-size:clamp(1.3rem,1.05rem + 1vw,1.8rem);font-weight:700;color:var(--ink);line-height:1.3;letter-spacing:-.015em;border-left:4px solid var(--gold-lt);padding-left:1.6rem;margin:2rem 0}.faqs{max-width:800px;margin-inline:auto}.faq{background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.4rem 1.6rem;margin-bottom:.8rem;box-shadow:var(--shadow-sm)}.faq h3{font-size:1.12rem;margin-bottom:.5rem}.faq p{color:var(--body);font-size:.98rem}.guide-card{display:flex;flex-direction:column;background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.6rem 1.5rem;text-decoration:none;color:inherit;box-shadow:var(--shadow-sm);transition:box-shadow .25s var(--ease),transform .25s var(--ease)}.guide-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.guide-card .cat{font-family:var(--mono);font-size:.66rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold);font-weight:500;margin-bottom:.6rem}.guide-card h3{font-size:1.16rem;margin-bottom:.5rem}.guide-card p{color:var(--muted);font-size:.94rem}.guide-card .go{margin-top:auto;padding-top:.9rem;color:var(--forest);font-family:var(--display);font-weight:700;font-size:.88rem}.prose .answer{border:1px solid var(--rule);border-left:4px solid var(--gold-lt);background:var(--white);border-radius:var(--r);padding:1.2rem 1.5rem;margin-bottom:1.8rem;box-shadow:var(--shadow-sm)}.prose .answer .lbl{display:block;font-family:var(--mono);font-size:.66rem;text-transform:uppercase;letter-spacing:.14em;color:var(--gold);font-weight:500;margin-bottom:.5rem}.prose .answer p{font-size:clamp(1.08rem,1rem + .4vw,1.26rem);line-height:1.55;color:var(--ink);margin:0}.prose .callout{background:var(--accent-soft);border-left:4px solid var(--forest);border-radius:var(--r);padding:1.1rem 1.3rem;margin:1.5rem 0}.prose .callout strong{display:block;margin-bottom:.25rem;color:var(--forest);font-family:var(--mono);font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;font-weight:500}.prose .callout p{margin:0;color:var(--body)}.prose .tbl-wrap{margin:1.5rem 0}.prose .keyfacts{background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.2rem 1.4rem;margin:1.5rem 0}.prose .keyfacts h4{color:var(--forest);margin-bottom:.6rem}.prose .deflist{margin:0;list-style:none}.prose .deflist li{padding-left:0}.prose .deflist li:before{display:none}.authorline{display:flex;align-items:center;gap:.9rem;padding:.9rem 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule-soft)}.authorline .al-by{display:block;font-size:.95rem;color:var(--ink);font-weight:600}.authorline .al-role{display:block;font-family:var(--mono);font-size:.7rem;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin-top:.15rem}.calc{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.5rem,1rem + 2vw,3rem);align-items:start}.calc-inputs{background:var(--white);border:1px solid var(--rule);border-radius:var(--r-lg);padding:1.8rem;box-shadow:var(--shadow-sm)}.calc-inputs .field input,.calc-inputs .field select{font-variant-numeric:tabular-nums;font-family:var(--mono)}.calc-results{position:sticky;top:90px}.calc-result-card{background:var(--forest-dk);color:var(--white);border-radius:var(--r-lg);padding:1.8rem;box-shadow:var(--shadow-lg)}.calc-result-card .headline{border-bottom:1px solid rgba(253,253,251,.16);padding-bottom:1.2rem;margin-bottom:1.2rem}.calc-result-card .headline .lbl{font-family:var(--mono);font-size:.68rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold-lt)}.calc-result-card .headline .val{font-family:var(--display);font-weight:800;font-size:clamp(2rem,1.5rem + 1.5vw,2.7rem);color:var(--white);font-variant-numeric:tabular-nums;line-height:1.05;margin-top:.4rem;letter-spacing:-.02em}.calc-result-card .headline .sub{font-size:.84rem;color:#fdfdfb99;margin-top:.4rem}.calc-rows{list-style:none;display:grid;gap:.1rem}.calc-rows li{display:flex;justify-content:space-between;gap:1rem;padding:.55rem 0;border-bottom:1px solid rgba(253,253,251,.12);font-size:.95rem}.calc-rows li:last-child{border-bottom:none}.calc-rows .k{color:#fdfdfbb3}.calc-rows .v{font-weight:600;font-variant-numeric:tabular-nums;font-family:var(--mono);font-size:.9rem;color:var(--white)}.calc-rows li.flag .v{color:var(--gold-lt)}.calc-note{font-size:.8rem;color:var(--muted);margin-top:1rem;font-style:italic}.input-prefix{position:relative}.input-prefix span{position:absolute;left:.85rem;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.95rem;pointer-events:none}.input-prefix input{padding-left:1.7rem!important}@media(max-width:760px){.calc{grid-template-columns:1fr}.calc-results{position:static}}.cta{position:relative;background:var(--forest-dk);color:#fdfdfbcc;overflow:hidden}.cta:before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--gold-lt)}.cta-inner{position:relative;max-width:var(--maxw);margin:0 auto;padding:clamp(4rem,3rem + 4vw,6.5rem) var(--gutter)}.cta h2{color:var(--white);margin-bottom:1.1rem;max-width:22ch}.cta p{color:#fdfdfbb8;font-size:1.1rem;line-height:1.6;margin-bottom:2.1rem;max-width:58ch}.site-footer{background:var(--forest-dk);color:#fdfdfba8}.footer-grid{max-width:var(--maxw);margin:0 auto;padding:clamp(3.5rem,2.5rem + 3vw,5.5rem) var(--gutter) clamp(2rem,1.5rem + 1vw,3rem);display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2rem 2.5rem}.footer-brand .mark{margin-bottom:1rem;background:linear-gradient(#fdfdfbe6,#fdfdfbe6) 0 0 / 100% 30% no-repeat,linear-gradient(var(--gold-lt),var(--gold-lt)) 0 50% / 100% 30% no-repeat,linear-gradient(#fdfdfbe6,#fdfdfbe6) 0 100% / 100% 30% no-repeat}.footer-brand .name{font-family:var(--display);font-weight:800;font-size:1.35rem;letter-spacing:-.03em;color:var(--white);margin-bottom:.8rem;display:block;line-height:1.1}.footer-brand p{max-width:36ch}.footer-col h4{color:var(--gold-lt);margin-bottom:1.1rem}.footer-col a,.footer-col p,.footer-brand p{color:#fdfdfb9e;display:block;margin-bottom:.6rem;font-size:.93rem}.footer-col a:hover{color:var(--white)}.footer-col a.email{font-family:var(--mono);font-size:.78rem;word-break:break-word;color:#fdfdfb80;margin-top:.2rem}.footer-divider{max-width:var(--maxw);margin:0 auto;height:1px;background:#fdfdfb1f}.footer-disclosure{max-width:var(--maxw);margin:0 auto;padding:1.75rem var(--gutter) 1.25rem;color:#fdfdfb6b;font-size:.78rem;line-height:1.65}.footer-base{max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter) 2.25rem;color:#fdfdfb80;font-size:.83rem;font-family:var(--mono)}.footer-base a{color:#fdfdfb80}.footer-base a:hover{color:var(--white)}.field{display:flex;flex-direction:column;gap:.4rem;margin-bottom:1rem}.field label{font-family:var(--mono);font-size:.72rem;letter-spacing:.05em;text-transform:uppercase;font-weight:500;color:var(--ink)}.field input,.field select,.field textarea{font-family:var(--sans);font-size:1rem;padding:.78rem .9rem;border:1px solid var(--rule);border-radius:var(--r);background:var(--white);color:var(--ink);transition:border-color .2s,box-shadow .2s}.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--forest);box-shadow:0 0 0 3px #14595c24}.field textarea{resize:vertical;min-height:120px}input[type=range]{accent-color:var(--forest);cursor:pointer}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.form-note{font-size:.82rem;color:var(--muted);text-align:center;margin-top:.9rem}.modal{position:fixed;inset:0;z-index:1000;display:none;align-items:center;justify-content:center;background:#0d1f238c;padding:1rem}.modal.open{display:flex;animation:fade .25s var(--ease)}.modal-card{background:var(--paper);border:1px solid var(--rule);border-radius:var(--r-lg);max-width:520px;width:100%;max-height:90vh;overflow-y:auto;padding:2.25rem;position:relative;box-shadow:var(--shadow-lg);animation:rise .3s var(--ease)}.modal-close{position:absolute;top:1rem;right:1rem;width:34px;height:34px;border:none;background:none;font-size:1.5rem;color:var(--muted);cursor:pointer;line-height:1;border-radius:999px}.modal-close:hover{background:var(--paper-2);color:var(--ink)}.modal-card h3{font-size:1.5rem;margin-bottom:.4rem}.modal-card .sub{color:var(--muted);font-size:.95rem;margin-bottom:1.4rem}@keyframes fade{0%{opacity:0}to{opacity:1}}@keyframes rise{0%{opacity:0;transform:translateY(-22px)}to{opacity:1;transform:translateY(0)}}@media(prefers-reduced-motion:no-preference){.reveal{opacity:0;transform:translateY(16px);animation:reveal .7s var(--ease) forwards}.reveal-1{animation-delay:.05s}.reveal-2{animation-delay:.15s}.reveal-3{animation-delay:.25s}.reveal-4{animation-delay:.35s}@keyframes reveal{to{opacity:1;transform:none}}}@media(max-width:900px){.cols,.cols.even{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:860px){.nav-links{display:none}.nav-burger{display:block}}@media(max-width:720px){body{font-size:16px}.field-row{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr;gap:1.75rem}}:focus-visible{outline:2px solid var(--forest);outline-offset:2px}@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}}
