:root{
  --ink:#17293D; --navy:#1F4E79; --gold:#E0894A; --paper:#FBF7F1;
  --grey:#6B7280; --line:#ECE6DC; --white:#ffffff; --green:#1E7A46; --amber:#B7791F; --red:#B43A2F;
  --serif:'Cormorant Garamond',Georgia,serif; --sans:'Inter',-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1100px;margin:0 auto;padding:0 28px}
.serif{font-family:var(--serif)}
.gold{color:var(--gold)}
.italic{font-style:italic}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.12;letter-spacing:-.01em}
h1{font-size:clamp(2.6rem,6vw,4.6rem)}
h2{font-size:clamp(2rem,4vw,3rem)}
h3{font-size:1.5rem}
p{margin:0 0 1.1rem}
.eyebrow{font-family:var(--sans);text-transform:uppercase;letter-spacing:.22em;font-size:.72rem;font-weight:600;color:var(--gold)}
/* nav */
header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav .row{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{font-family:var(--serif);font-size:1.5rem;font-weight:600;letter-spacing:.02em}
.brand b{color:var(--gold);font-weight:600}
.nav a.link{font-size:.85rem;font-weight:500;color:var(--ink);margin-left:26px;letter-spacing:.02em;opacity:.8;transition:opacity .2s}
.nav a.link:hover{opacity:1;color:var(--navy)}
.nav .cta{background:var(--navy);color:#fff;padding:9px 18px;border-radius:2px;font-size:.82rem;margin-left:26px}
.nav .cta:hover{background:var(--ink)}
.menu-btn{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer;color:var(--navy)}
.navlinks{display:flex;align-items:center}
@media(max-width:900px){
  .menu-btn{display:block}
  .navlinks{position:fixed;inset:68px 0 auto 0;background:#fff;flex-direction:column;align-items:flex-start;padding:14px 28px 24px;border-bottom:1px solid var(--line);display:none}
  .navlinks.open{display:flex}
  .nav a.link,.nav .cta{margin:8px 0}
}
/* buttons */
.btn{display:inline-block;background:var(--navy);color:#fff;padding:14px 30px;border-radius:2px;font-weight:500;font-size:.9rem;letter-spacing:.02em;transition:background .2s,transform .2s;border:0;cursor:pointer}
.btn:hover{background:var(--ink);transform:translateY(-1px)}
.btn.ghost{background:transparent;color:var(--navy);border:1px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.gold{background:var(--gold);color:var(--ink)}
.btn.gold:hover{background:#C2743A}
/* hero */
.hero{padding:clamp(70px,11vw,140px) 0 clamp(50px,8vw,100px);background:linear-gradient(180deg,var(--paper),#fff)}
.hero h1{max-width:16ch;margin:.3rem 0 1.4rem}
.hero .sub{font-size:1.2rem;color:var(--grey);max-width:52ch;margin-bottom:2rem}
.hero .est{font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;color:var(--grey)}
.rule{height:3px;width:70px;background:var(--gold);margin:0 0 26px}
/* sections */
section.band{padding:clamp(56px,8vw,104px) 0;border-top:1px solid var(--line)}
section.dark{background:var(--ink);color:#fff}
section.dark h2,section.dark h3{color:#fff}
section.navy{background:var(--navy);color:#fff}
section.navy h2{color:#fff}
.sec-head{max-width:60ch;margin-bottom:44px}
.sec-head .eyebrow{display:block;margin-bottom:14px}
/* stats */
.stats{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;text-align:center}
.stats .n{font-family:var(--serif);font-size:clamp(2rem,4vw,3.2rem);color:var(--gold);line-height:1}
.stats .l{font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;color:var(--grey);margin-top:8px}
section.dark .stats .l{color:#b2bdca}
@media(max-width:760px){.stats{grid-template-columns:repeat(2,1fr);gap:32px 20px}}
/* grid cards */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
@media(max-width:820px){.g2,.g3{grid-template-columns:1fr}}
.card{border:1px solid var(--line);padding:30px;border-radius:3px;background:#fff;transition:transform .25s,box-shadow .25s}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 40px rgba(17,21,28,.08)}
.card .num{font-family:var(--serif);color:var(--gold);font-size:1.2rem}
.card h3{margin:.4rem 0 .6rem}
.card p{color:var(--grey);font-size:.95rem;margin:0}
.pill{display:inline-block;border:1px solid var(--line);border-radius:40px;padding:8px 16px;margin:5px 6px 5px 0;font-size:.85rem;color:var(--navy);background:#fff;transition:.2s}
.pill:hover{border-color:var(--gold);color:var(--gold)}
/* quote */
.quote{font-family:var(--serif);font-size:clamp(1.6rem,3.2vw,2.4rem);line-height:1.3;max-width:24ch}
/* list rows */
.rows{border-top:1px solid var(--line)}
.rows .r{display:flex;gap:24px;padding:26px 0;border-bottom:1px solid var(--line);align-items:baseline}
.rows .r .k{font-family:var(--serif);color:var(--gold);font-size:1.3rem;min-width:44px}
.rows .r h3{font-size:1.3rem;margin-bottom:.3rem}
.rows .r p{color:var(--grey);margin:0;font-size:.95rem}
/* footer */
footer{background:var(--ink);color:#cbd2dd;padding:64px 0 34px;font-size:.9rem}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:40px}
footer h4{color:#fff;font-family:var(--sans);font-size:.78rem;text-transform:uppercase;letter-spacing:.16em;margin-bottom:16px}
footer a{display:block;color:#aab2bd;margin-bottom:9px}
footer a:hover{color:var(--gold)}
footer .foot-brand{font-family:var(--serif);font-size:1.6rem;color:#fff;margin-bottom:12px}
footer .fine{border-top:1px solid #2a2f38;padding-top:22px;color:#7f8794;font-size:.8rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
@media(max-width:760px){footer .cols{grid-template-columns:1fr;gap:28px}}
/* reveal — content is ALWAYS visible; animation is a pure-CSS enhancement (no JS dependency) */
.reveal{opacity:1;transform:none}
@media (prefers-reduced-motion:no-preference){
  .reveal{animation:fadeup .7s ease both}
}
@keyframes fadeup{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.reveal.in{opacity:1;transform:none}
/* article */
.article{max-width:720px;margin:0 auto;padding:clamp(50px,7vw,90px) 0}
.article .meta{font-size:.8rem;text-transform:uppercase;letter-spacing:.14em;color:var(--gold);margin-bottom:16px}
.article h1{font-size:clamp(2.1rem,4.5vw,3.2rem);margin-bottom:18px}
.article h2{font-size:1.7rem;margin:2.2rem 0 .8rem}
.article p{font-size:1.12rem;color:#2b2f36}
.article .lead{font-size:1.3rem;color:var(--navy);font-style:italic;font-family:var(--serif)}
.article .cta-box{background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--gold);padding:28px 30px;margin:40px 0;border-radius:3px}
.backlink{font-size:.85rem;color:var(--gold);display:inline-block;margin-bottom:20px}
/* calculator */
.calc{display:grid;grid-template-columns:1fr 1.15fr;gap:34px}
@media(max-width:900px){.calc{grid-template-columns:1fr}}
.panel{border:1px solid var(--line);border-radius:4px;padding:28px;background:#fff}
.panel.dark{background:var(--ink);color:#fff;border:0}
.field{margin-bottom:16px}
.field label{display:block;font-size:.82rem;font-weight:600;margin-bottom:6px;color:var(--navy)}
.field input,.field select{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:3px;font-size:1rem;font-family:var(--sans)}
.field input:focus,.field select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.result-row{display:grid;grid-template-columns:1.4fr .8fr .8fr 1fr;gap:8px;padding:11px 0;border-bottom:1px solid #2a2f38;font-size:.9rem;align-items:center}
.result-row .name{color:#e8eaed}
.badge{font-size:.72rem;font-weight:700;padding:3px 9px;border-radius:30px;text-align:center;white-space:nowrap}
.b-good{background:#dff0e6;color:var(--green)}
.b-watch{background:#fbf0da;color:var(--amber)}
.b-act{background:#f7e1de;color:var(--red)}
.score-big{font-family:var(--serif);font-size:4.2rem;color:var(--gold);line-height:1}
.muted{color:var(--grey);font-size:.85rem}
.disclaim{font-size:.78rem;color:#8b93a0;margin-top:16px;font-style:italic}
/* misc */
.center{text-align:center}
.mt{margin-top:26px}
.tag{display:inline-block;background:var(--paper);border:1px solid var(--line);padding:5px 12px;border-radius:30px;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);margin-bottom:14px}
.press{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:760px){.press{grid-template-columns:1fr 1fr}}
.press .p{border:1px solid var(--line);padding:20px;border-radius:3px;font-size:.9rem;color:var(--grey)}
.press .p b{color:var(--ink);font-family:var(--serif);font-size:1.05rem}

/* photo bands */
.photoband{min-height:360px;background-size:cover;background-position:center;position:relative;display:flex;align-items:center;justify-content:center;text-align:center;margin:0}
.photoband::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(31,78,121,.82),rgba(23,41,61,.72))}
.photoband .inner{position:relative;z-index:1;max-width:60ch;padding:48px 24px}
.photoband h2{color:#fff;margin:8px 0 0}
.photoband .eyebrow{color:#fff;opacity:.9}
.card img.cardimg{width:100%;height:180px;object-fit:cover;border-radius:3px 3px 0 0;margin:-30px -30px 18px;width:calc(100% + 60px);max-width:none}

/* concierge widget (works without JS via <details>) */
.concierge{position:fixed;right:20px;bottom:20px;z-index:80}
.concierge>summary{list-style:none;cursor:pointer;background:var(--navy);color:#fff;padding:12px 20px;border-radius:40px;font-weight:600;font-size:.9rem;box-shadow:0 8px 24px rgba(0,0,0,.20);display:inline-flex;align-items:center;gap:8px}
.concierge>summary::-webkit-details-marker{display:none}
.concierge[open]>summary{border-radius:10px 10px 0 0}
.cx-panel{position:absolute;right:0;bottom:100%;margin-bottom:10px;width:280px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 16px 44px rgba(17,21,28,.18);padding:18px}
.cx-panel h4{font-family:var(--serif);font-size:1.2rem;margin:0 0 4px;color:var(--ink)}
.cx-panel p{font-size:.85rem;color:var(--grey);margin:0 0 12px}
.cx-panel a{display:block;padding:10px 12px;border:1px solid var(--line);border-radius:7px;margin-bottom:8px;font-size:.88rem;color:var(--navy);font-weight:500;text-decoration:none}
.cx-panel a:last-child{margin-bottom:0}
.cx-panel a:hover{border-color:var(--gold);color:var(--gold)}

/* founding offer */
.offergrid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:820px){.offergrid{grid-template-columns:1fr}}
.offercard{border:1px solid var(--line);border-radius:6px;padding:30px;background:#fff;display:flex;flex-direction:column}
.offercard.feature{border:2px solid var(--gold);box-shadow:0 14px 40px rgba(17,21,28,.08)}
.badge-offer{display:inline-block;background:var(--gold);color:var(--ink);font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:5px 11px;border-radius:30px;margin-bottom:12px;align-self:flex-start}
.price{font-family:var(--serif);font-size:2.6rem;color:var(--navy);line-height:1;margin:6px 0 2px}
.price small{font-size:.95rem;color:var(--grey);font-family:var(--sans);font-weight:500}
.offercard ul{list-style:none;margin:14px 0 20px;padding:0}
.offercard li{padding:6px 0 6px 22px;position:relative;font-size:.95rem;color:#2b2f36}
.offercard li::before{content:"—";position:absolute;left:0;color:var(--gold)}
.offercard .btn{margin-top:auto}