@font-face{font-family:"Inter Tight";src:url(fonts/InterTight.woff2) format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"Instrument Serif";src:url(fonts/InstrumentSerif.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Instrument Serif";src:url(fonts/InstrumentSerif-Italic.woff2) format("woff2");font-style:italic;font-weight:400;font-display:swap}
:root{--ink:#0a1226;--ink2:#121c38;--ink3:#1d2a4f;--paper:#f7f4ee;--paper2:#efeae0;--line:rgba(10,18,38,.1);--muted:#545c70;--gold:#c9a24a;--gold2:#e2c27a;--goldd:#8a6a1f;--ok:#2f8f6b;--bad:#b4473a;
--r:20px;--sh:0 1px 2px rgba(10,18,38,.04),0 8px 24px -8px rgba(10,18,38,.12),0 24px 60px -24px rgba(10,18,38,.18);
--f:"Inter Tight",ui-sans-serif,system-ui,sans-serif;--d:"Instrument Serif",ui-serif,Georgia,serif;
--s0:clamp(.95rem,.9rem + .2vw,1.05rem);--s1:clamp(1.1rem,1rem + .4vw,1.3rem);--s2:clamp(1.4rem,1.1rem + 1.2vw,2rem);--s3:clamp(2rem,1.4rem + 2.6vw,3.4rem);--s4:clamp(2.6rem,1.6rem + 4.4vw,5.6rem)}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:400 var(--s0)/1.65 var(--f);color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;letter-spacing:-.005em;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}a{color:var(--ink);text-decoration-color:var(--gold);text-underline-offset:3px}
h1,h2,h3{line-height:1.08;letter-spacing:-.025em;margin:0 0 .5em;font-weight:600}h1 em,h2 em{font-family:var(--d);font-style:italic;font-weight:400;letter-spacing:-.01em}
h2{font-size:var(--s3)}h3{font-size:var(--s1);letter-spacing:-.015em}
.wrap{width:min(1180px,100% - 2*clamp(18px,4vw,40px));margin-inline:auto}.narrow{width:min(820px,100% - 2*clamp(18px,4vw,40px))}
:focus-visible{outline:2.5px solid var(--gold);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;z-index:200;background:#fff;padding:10px 14px;border-radius:10px}.skip:focus{left:12px}

/* nav */
.nav{position:sticky;top:0;z-index:60;background:rgba(10,18,38,.72);backdrop-filter:saturate(160%) blur(16px);-webkit-backdrop-filter:saturate(160%) blur(16px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:inline-flex;align-items:center;gap:10px;color:#fff;font-weight:650;text-decoration:none;letter-spacing:-.02em;font-size:1.08rem}
.mark{width:22px;height:22px;border-radius:7px;background:conic-gradient(from 210deg,var(--gold2),var(--gold),#6f88c9,var(--gold2));box-shadow:inset 0 0 0 5px var(--ink),0 0 0 1px rgba(255,255,255,.2)}
.nav nav{display:flex;align-items:center;gap:4px}.nav nav a:not(.btn){color:#c3cadb;text-decoration:none;padding:8px 12px;border-radius:10px;font-size:.93rem;transition:.2s}
.nav nav a:not(.btn):hover,.nav nav a[aria-current]{color:#fff;background:rgba(255,255,255,.07)}
.menu{display:none;background:none;border:0;width:44px;height:44px;position:relative;cursor:pointer}.menu i{position:absolute;left:12px;right:12px;height:1.6px;background:#fff;transition:.3s}.menu i:first-child{top:17px}.menu i:last-child{top:26px}
.menu[aria-expanded=true] i:first-child{top:21px;transform:rotate(45deg)}.menu[aria-expanded=true] i:last-child{top:21px;transform:rotate(-45deg)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 .96rem var(--f);padding:13px 22px;border-radius:999px;border:0;cursor:pointer;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s;letter-spacing:-.01em}
.btn:hover{transform:translateY(-1px)}.btn svg{transition:transform .2s}.btn:hover svg{transform:translateX(3px)}
.btn-gold{background:linear-gradient(180deg,#e6c780,#c9a24a);color:var(--ink);box-shadow:0 1px 0 rgba(255,255,255,.5) inset,0 10px 30px -10px rgba(201,162,74,.7)}
.btn-ghost{color:#fff;background:rgba(255,255,255,.06);box-shadow:inset 0 0 0 1px rgba(255,255,255,.22)}.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-ink{background:var(--ink);color:#fff;box-shadow:0 10px 24px -12px rgba(10,18,38,.7)}.btn-ink:hover{background:var(--ink3)}
.btn-line{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1.5px var(--ink)}.btn.sm{padding:9px 16px;font-size:.88rem;margin-left:8px}.full{width:100%}
/* hero */
.hero{position:relative;overflow:hidden;background:var(--ink);color:#fff;padding:clamp(72px,10vw,140px) 0 clamp(64px,8vw,120px);isolation:isolate}
.mesh{position:absolute;inset:-20%;z-index:-1;filter:blur(60px);opacity:.9}.mesh i{position:absolute;border-radius:50%;animation:drift 22s ease-in-out infinite alternate}
.mesh i:nth-child(1){width:55vw;height:55vw;left:45%;top:-10%;background:radial-gradient(circle,rgba(201,162,74,.38),transparent 62%)}
.mesh i:nth-child(2){width:60vw;height:60vw;left:-10%;top:20%;background:radial-gradient(circle,rgba(72,104,190,.45),transparent 60%);animation-duration:28s}
.mesh i:nth-child(3){width:40vw;height:40vw;left:30%;top:50%;background:radial-gradient(circle,rgba(120,90,170,.28),transparent 60%);animation-duration:34s}
@keyframes drift{to{transform:translate3d(-8%,6%,0) scale(1.15)}}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse at 50% 0,#000 20%,transparent 75%)}
.hero h1{font-size:var(--s4);font-weight:600;letter-spacing:-.04em;max-width:16ch;margin-bottom:.35em}.hero h1 em{color:var(--gold2)}
.lede{font-size:var(--s1);color:#c3cadb;max-width:60ch;line-height:1.55}.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}.micro{color:#8e98b0;font-size:.85rem;margin-top:18px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.14em;color:var(--gold2);margin:0 0 18px}.eyebrow.dark{color:var(--goldd)}
.hero-split .hero-in{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}.hero-split h1{font-size:var(--s3)}
.hero-art img{border-radius:28px;box-shadow:0 40px 80px -30px rgba(0,0,0,.8),0 0 0 1px rgba(255,255,255,.08);aspect-ratio:4/3;object-fit:cover}
/* sections */
.sec{padding:clamp(56px,8vw,112px) 0}.sec-head{max-width:720px;margin-bottom:clamp(28px,4vw,48px)}
.cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:28px}
.glass{position:relative;padding:28px;border-radius:var(--r);background:linear-gradient(180deg,rgba(255,255,255,.85),rgba(255,255,255,.6));backdrop-filter:blur(10px);box-shadow:var(--sh);border:1px solid rgba(255,255,255,.9);transition:transform .35s cubic-bezier(.2,.7,.2,1),box-shadow .35s}
.glass:hover{transform:translateY(-4px);box-shadow:0 30px 60px -25px rgba(10,18,38,.3)}.glass p{color:var(--muted);margin:0;font-size:.95rem}
.num{display:block;font-family:var(--d);font-size:2.2rem;color:var(--gold);line-height:1;margin-bottom:22px}
.band{background:linear-gradient(180deg,var(--paper2),var(--paper));border-block:1px solid var(--line)}.band-in{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center;padding:clamp(56px,7vw,96px) 0}
.band-in p{color:var(--muted);font-size:var(--s1);max-width:46ch}.band-img{border-radius:24px;box-shadow:var(--sh)}
.steps{list-style:none;padding:0;margin:0 0 32px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:s}
.steps li{padding:28px;border-radius:var(--r);background:#fff;border:1px solid var(--line);position:relative}.steps li p{color:var(--muted);margin:0}
.steps span{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--ink);color:var(--gold2);font-weight:650;margin-bottom:20px}
.steps li:not(:last-child)::after{content:"";position:absolute;top:48px;right:-18px;width:18px;height:1px;background:var(--gold)}
.fact{text-align:center;padding:clamp(36px,5vw,64px);border-radius:28px;background:var(--ink);color:#fff;position:relative;overflow:hidden}
.fact::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 50% -20%,rgba(201,162,74,.35),transparent 60%)}.fact>*{position:relative}
.fact .big{font-size:var(--s2);font-weight:500;letter-spacing:-.02em;max-width:24ch;margin:0 auto .6em}.fact .big b{font-family:var(--d);font-weight:400;font-size:1.6em;color:var(--gold2)}
.cite{color:#9aa3ba;font-size:.88rem;max-width:56ch;margin:0 auto 18px}.link{color:var(--gold2);font-weight:600;text-decoration:none;display:inline-flex;gap:6px;align-items:center}.fact .eyebrow{color:var(--gold2)}
/* faq */
.faq details{border-bottom:1px solid var(--line)}.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:22px 4px;font-weight:600;font-size:var(--s1);letter-spacing:-.015em}
.faq summary::-webkit-details-marker{display:none}.pm{flex:none;width:28px;height:28px;border-radius:50%;border:1px solid var(--line);position:relative;transition:.3s}
.pm::before,.pm::after{content:"";position:absolute;left:8px;right:8px;top:13px;height:1.5px;background:var(--ink);transition:.3s}.pm::after{transform:rotate(90deg)}
details[open] .pm{background:var(--ink)}details[open] .pm::before{background:#fff}details[open] .pm::after{transform:rotate(0);background:#fff}
.ans{color:var(--muted);padding:0 4px 22px;max-width:68ch}
/* ads */
.ad{position:relative;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;border-radius:16px;background:repeating-linear-gradient(135deg,rgba(10,18,38,.025) 0 10px,transparent 10px 20px),#fbfaf6;border:1px dashed rgba(10,18,38,.18);color:#6b7286;margin:28px 0;text-align:center}
.ad-banner{min-height:96px}.ad-in{min-height:120px;margin:40px 0 0}.ad-tag{font-size:.66rem;text-transform:uppercase;letter-spacing:.16em;font-weight:600;color:#6b7286}.ad-dim{font-size:.82rem}
/* calculators */
.calc-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:24px;align-items:start}
.panel{background:#fff;border-radius:24px;padding:clamp(22px,3vw,36px);box-shadow:var(--sh);border:1px solid var(--line)}
.panel.dark{background:radial-gradient(120% 80% at 100% 0,rgba(201,162,74,.18),transparent 55%),linear-gradient(180deg,var(--ink2),var(--ink));color:#fff;border:1px solid rgba(255,255,255,.06);position:sticky;top:88px}
.panel-t{font-size:var(--s1);margin-bottom:22px}.field{margin-bottom:22px}.field label,.lbl{display:block;font-weight:600;font-size:.92rem;margin-bottom:8px}.field small{color:var(--muted);font-weight:400;margin-left:6px}
.f-top{display:flex;justify-content:space-between;align-items:baseline}.f-top output{font-variant-numeric:tabular-nums;font-weight:650;font-size:1.05rem}
input[type=date],input[type=text],input[type=email],input[type=number],textarea{width:100%;font:500 1rem var(--f);color:var(--ink);padding:13px 14px;border-radius:12px;border:1px solid rgba(10,18,38,.16);background:#fcfbf8;transition:border .2s,box-shadow .2s}
input:focus,textarea:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 4px rgba(201,162,74,.25)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:linear-gradient(90deg,var(--ink) var(--p,50%),#e6e1d6 var(--p,50%));cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:2px solid var(--ink);box-shadow:0 4px 12px rgba(10,18,38,.25);transition:transform .15s}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:2px solid var(--ink)}input[type=range]:active::-webkit-slider-thumb{transform:scale(1.15)}
.seg{display:grid;grid-auto-flow:column;grid-auto-columns:1fr;background:#efebe2;border-radius:14px;padding:4px;gap:4px}.seg label{margin:0;position:relative}
.seg input{position:absolute;opacity:0;inset:0}.seg span{display:block;text-align:center;padding:10px 12px;border-radius:10px;font-weight:600;font-size:.92rem;color:var(--muted);transition:.25s;cursor:pointer}
.seg input:checked+span{background:#fff;color:var(--ink);box-shadow:0 2px 8px rgba(10,18,38,.12)}.seg input:focus-visible+span{outline:2.5px solid var(--gold)}
.check{display:flex;gap:12px;align-items:flex-start;font-size:.92rem;margin:6px 0 20px;cursor:pointer}.check input{width:20px;height:20px;accent-color:var(--ink);flex:none;margin-top:2px}
.hint{color:var(--muted);font-size:.85rem;margin:12px 0 0}.fine{color:var(--muted);font-size:.86rem;max-width:80ch;margin-top:20px}
.callout{margin-top:24px;padding:20px 24px;border-radius:18px;background:#fbf4e3;border:1px solid #ecd9aa;color:#4a3a12}
/* results */
.r-label{font-size:.74rem;text-transform:uppercase;letter-spacing:.14em;color:#98a2bb;margin:0 0 6px}
.r-big{font-family:var(--d);font-size:clamp(2.8rem,2rem + 3vw,4.2rem);line-height:1;color:#fff;font-variant-numeric:tabular-nums}
.r-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0}.stat{padding:16px;border-radius:14px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08)}
.stat b{display:block;font-size:1.35rem;font-weight:600;font-variant-numeric:tabular-nums;letter-spacing:-.02em}.stat span{font-size:.8rem;color:#98a2bb}
.bar{height:10px;border-radius:99px;background:rgba(255,255,255,.08);overflow:hidden;display:flex;margin:10px 0 6px}.bar i{display:block;height:100%;transition:width .8s cubic-bezier(.2,.7,.2,1)}
.bar .a{background:linear-gradient(90deg,var(--gold),var(--gold2))}.bar .g{background:repeating-linear-gradient(135deg,rgba(255,255,255,.35) 0 4px,rgba(255,255,255,.12) 4px 8px)}
.legend{display:flex;gap:16px;font-size:.78rem;color:#98a2bb;flex-wrap:wrap}.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.phase{position:relative;height:36px;margin:8px 0 2px}.phase .track{position:absolute;top:14px;left:0;right:0;height:6px;border-radius:99px;background:linear-gradient(90deg,var(--ok) 0 40%,var(--gold) 40% 60%,var(--bad) 60%)}
.phase .dot{position:absolute;top:7px;width:20px;height:20px;margin-left:-10px;border-radius:50%;background:#fff;box-shadow:0 0 0 4px rgba(255,255,255,.18);transition:left .8s cubic-bezier(.2,.7,.2,1)}
.ticks{display:flex;justify-content:space-between;font-size:.72rem;color:#7d87a0;position:relative}.ticks span{position:absolute;transform:translateX(-50%)}
.route{margin-top:26px;padding:18px;border-radius:14px;background:rgba(201,162,74,.12);border:1px solid rgba(201,162,74,.35)}.route b{color:var(--gold2)}
.pill{display:inline-flex;align-items:center;gap:8px;padding:6px 12px;border-radius:99px;font-size:.82rem;font-weight:600}.pill.ok{background:rgba(47,143,107,.2);color:#8fe0bd}.pill.no{background:rgba(180,71,58,.22);color:#ffb1a6}
.warnline{margin-top:20px;font-size:.86rem;color:#e7cf95}
.timeline{position:relative;margin-top:30px;padding-top:8px}.tl-track{position:relative;height:4px;border-radius:99px;background:rgba(255,255,255,.12);margin:56px 6px 64px}
.tl-seg{position:absolute;top:0;height:4px;border-radius:99px}.tl-live{background:#6f88c9}.tl-pause{background:repeating-linear-gradient(90deg,var(--gold) 0 6px,transparent 6px 10px)}.tl-win{background:var(--gold2)}
.tl-pt{position:absolute;top:-6px;width:16px;height:16px;margin-left:-8px;border-radius:50%;background:var(--ink);border:2px solid #fff}
.tl-pt span{position:absolute;left:50%;transform:translateX(-50%);white-space:nowrap;font-size:.7rem;color:#c3cadb;line-height:1.25;text-align:center}.tl-pt.up span{bottom:22px}.tl-pt.dn span{top:22px}.tl-pt.gold{background:var(--gold2);border-color:var(--gold2)}
/* prose/legal */
.prose h2{font-size:var(--s2);margin-top:1.4em}.prose h2:first-child{margin-top:0}.prose p,.prose li{color:#2c3448}.prose table{width:100%;border-collapse:collapse;font-size:.88rem;display:block;overflow-x:auto}
.prose th,.prose td{text-align:left;padding:10px;border-bottom:1px solid var(--line);vertical-align:top}.prose caption{text-align:left;font-weight:650;margin-bottom:8px}.prose .warn{padding:16px 20px;border-radius:14px;background:#fbf4e3;border:1px solid #ecd9aa}
.small{font-size:.85rem;color:var(--muted)}.two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
/* footer */
.foot{background:var(--ink);color:#aab3c8;padding:72px 0 40px;margin-top:40px}.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.08)}
.foot h3{font-size:.74rem;text-transform:uppercase;letter-spacing:.14em;color:#fff;margin-bottom:14px}.foot ul{list-style:none;margin:0;padding:0}.foot li{margin:8px 0}.foot a{color:#aab3c8;text-decoration:none;font-size:.92rem}.foot a:hover{color:#fff}
.foot-lede{max-width:30ch;margin-top:14px;font-size:.92rem}.disc{font-size:.84rem;max-width:90ch;margin:28px 0 8px}.copy{font-size:.8rem;color:#7d87a0}
/* consent */
.cc{position:fixed;z-index:100;left:50%;bottom:clamp(12px,2vw,24px);transform:translateX(-50%);width:min(760px,calc(100% - 24px));background:rgba(255,255,255,.94);backdrop-filter:blur(18px);border-radius:22px;box-shadow:0 30px 80px -20px rgba(10,18,38,.45),0 0 0 1px var(--line);animation:up .5s cubic-bezier(.2,.7,.2,1)}
@keyframes up{from{opacity:0;transform:translate(-50%,20px)}}.cc-in{padding:22px 24px}.cc h2{font-size:1.15rem;margin-bottom:6px}.cc p{font-size:.9rem;color:var(--muted);margin:0 0 16px}
.ccb{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.ccb .btn{padding:12px 14px}#ccPanel{margin-bottom:10px}
[hidden]{display:none!important}
/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.reveal{opacity:1;transform:none}}
/* responsive */
@media(max-width:1000px){.cards4{grid-template-columns:1fr 1fr}.calc-grid,.hero-split .hero-in,.band-in{grid-template-columns:1fr}.panel.dark{position:static}.foot-grid{grid-template-columns:1fr 1fr}.hero-art{max-width:520px}}
@media(max-width:820px){.menu{display:block}.nav nav{position:absolute;top:64px;left:0;right:0;flex-direction:column;align-items:stretch;padding:12px 18px 20px;background:rgba(10,18,38,.97);gap:2px;display:none}.nav nav.open{display:flex}.nav nav a:not(.btn){padding:14px 10px;font-size:1rem}.btn.sm{margin:10px 0 0}
.steps,.cards3{grid-template-columns:1fr}.steps li::after{display:none}}
@media(max-width:560px){.cards4,.two,.r-row{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}.ccb{grid-template-columns:1fr 1fr}.ccb #ccCustom,.ccb #ccSave{grid-column:1/-1}.cta .btn{width:100%}.hero h1{letter-spacing:-.035em}}
.nav{background:rgba(10,18,38,.9)}
.wrap>.ad-banner{margin:32px 0 0}.wrap>.ad-banner+*{margin-top:0}main>.wrap+.sec{padding-top:clamp(40px,5vw,64px)}
.sec-head h2{max-width:20ch}
.hero-card{background:linear-gradient(180deg,rgba(255,255,255,.09),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:24px 26px;backdrop-filter:blur(14px);box-shadow:0 40px 80px -30px rgba(0,0,0,.7);transform:rotate(-1.5deg)}
.hero-card.reveal.in{transform:rotate(-1.5deg)}.hc-top{display:flex;align-items:center;gap:6px;margin-bottom:22px}.hc-dot{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,.2)}
.hc-tag{margin-left:auto;font-size:.7rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold2);border:1px solid rgba(226,194,122,.35);border-radius:99px;padding:3px 10px}.hc-note{font-size:.76rem;color:#8e98b0;margin:0}
.hero-card .r-row{margin:18px 0 14px}
@media(max-width:1000px){.hero-card{transform:none}.hero-card.reveal.in{transform:none}}
.nav{background:rgba(10,18,38,.97)}h1,h2,.sec-head h2{text-wrap:balance}.sec-head h2{max-width:22ch}