:root {
  --ink:#10233f; --ink-2:#40536d; --muted:#627489; --line:#dbe3eb;
  --paper:#fffdf8; --surface:#f5f8fb; --navy:#0b1f3a; --blue:#1557e8; --nav-bg:rgba(255,253,248,.96);
  --blue-dark:#0d3fac; --blue-soft:#eaf1ff; --apricot:#ffad72; --sage:#769886;
  --radius:0; --radius-sm:0; --max:1200px; --reading:760px;
  --font:Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --serif:Iowan Old Style, Baskerville, Georgia, serif;
}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font);color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}body.menu-open{overflow:hidden}img{display:block;max-width:100%;height:auto}a{color:var(--blue);text-decoration:none}a:hover{color:var(--blue-dark)}button,input{font:inherit}svg{display:block}h1,h2,h3{line-height:1.08;letter-spacing:-.035em}h1{font-family:var(--serif);font-weight:600;font-size:clamp(2.8rem,7vw,5.9rem)}h2{font-family:var(--serif);font-weight:600;font-size:clamp(1.85rem,3vw,3rem)}h3{font-size:1.12rem;letter-spacing:-.015em}.container{width:min(var(--max),calc(100% - 3rem));margin-inline:auto}.narrow{max-width:var(--reading)}.section{padding:clamp(4rem,8vw,7.5rem) 0}.surface-section{background:var(--surface);border-block:1px solid var(--line)}.skip-link{position:absolute;left:-10000px;top:auto}.skip-link:focus{left:1rem;top:1rem;background:#fff;padding:.7rem 1rem;z-index:9999;border:2px solid var(--blue)}:focus-visible{outline:3px solid var(--apricot);outline-offset:3px}

.site-nav{height:76px;position:sticky;top:0;z-index:200;background:var(--nav-bg);border-bottom:1px solid var(--line);backdrop-filter:blur(16px)}.has-breadcrumb .site-nav{border-bottom:0}.nav-inner{height:100%;display:flex;align-items:center;gap:2rem}.brand{width:156px;display:block;flex:0 0 auto}.brand img{width:100%}.desktop-nav{display:flex;align-items:center;gap:.15rem;flex:1}.desktop-nav>a,.nav-trigger{padding:.55rem .78rem;color:var(--ink);font-weight:650;font-size:.84rem;border:0;background:none;cursor:pointer;border-radius:0}.desktop-nav>a:hover,.nav-trigger:hover,.nav-trigger[aria-expanded=true]{background:var(--blue-soft);color:var(--blue)}.nav-group{height:76px;display:flex;align-items:center;position:relative}.nav-trigger{display:flex;gap:.3rem;align-items:center}.nav-trigger svg{width:14px;fill:none;stroke:currentColor;stroke-width:1.8}.mega-menu{position:absolute;top:68px;left:-120px;width:770px;display:none;grid-template-columns:220px 1fr;background:#fff;border:1px solid var(--line);border-top:3px solid var(--blue);z-index:250}.nav-group:hover .mega-menu,.nav-group:focus-within .mega-menu{display:grid}.mega-intro{padding:1.4rem;background:var(--navy);color:#fff}.mega-intro strong{font-family:var(--serif);font-size:1.35rem}.mega-intro p{font-size:.77rem;color:#c2cede;margin:.6rem 0 1.15rem}.mega-intro a{font-size:.72rem;color:#fff;text-decoration:underline;text-underline-offset:4px}.mega-links{display:grid;grid-template-columns:1fr 1fr}.mega-item{padding:1rem;border-bottom:1px solid var(--line);border-right:1px solid var(--line)}.mega-item a{font-weight:760;color:var(--ink);font-size:.82rem}.mega-item p{color:var(--muted);font-size:.69rem;line-height:1.4;margin-top:.25rem}.nav-actions{margin-left:auto;display:flex;align-items:center;gap:.85rem}.nav-cta{background:var(--navy);color:#fff;padding:.62rem .9rem;border-radius:0;font-size:.76rem;font-weight:750}.nav-cta:hover{background:var(--blue);color:#fff}.menu-button{display:none;align-items:center;justify-content:center;gap:.55rem;min-width:92px;height:42px;padding:0 .8rem;border:1px solid #cbd6e1;border-radius:0;background:#fff;color:var(--ink);cursor:pointer;box-shadow:0 4px 14px rgba(11,31,58,.06);transition:background .2s,color .2s,border-color .2s,box-shadow .2s}.menu-button:hover{border-color:#9fb3ca;background:var(--blue-soft);color:var(--blue)}.menu-label{font-size:.66rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.menu-mark{position:relative;width:21px;height:18px}.menu-mark i{position:absolute;right:0;height:2px;border-radius:0;background:currentColor;transition:.2s}.menu-mark i:first-child{top:5px;width:21px}.menu-mark i:last-child{top:12px;width:14px}.menu-button.open{border-color:var(--navy);background:var(--navy);color:#fff;box-shadow:0 7px 18px rgba(11,31,58,.18)}.menu-button.open .menu-mark i{top:9px;width:19px}.menu-button.open .menu-mark i:first-child{transform:rotate(45deg)}.menu-button.open .menu-mark i:last-child{transform:rotate(-45deg)}

/* SHAREITONL-style global breadcrumb bar, matched to the top navigation. */
.breadcrumb-bar{background:var(--nav-bg);border:0}
.breadcrumb{display:flex;align-items:center;flex-wrap:wrap;gap:.4rem;margin:0;padding:.7rem 0;font-size:.85rem;color:var(--muted)}
.breadcrumb a{color:var(--blue-dark)}
.breadcrumb .sep{color:#93a3b5}
.mobile-menu{display:none;position:fixed;inset:76px 0 0;z-index:190;background:var(--surface);color:var(--ink);overflow:auto;overscroll-behavior:contain;padding:1rem 0 3rem}.mobile-menu.open{display:block;animation:mobileMenuReveal .18s ease-out}.mobile-inner{display:grid;gap:1rem}.mobile-head{display:flex;justify-content:space-between;align-items:end;gap:2rem;padding:1.6rem;border-radius:0;background:linear-gradient(135deg,var(--navy),#16395f);color:#fff;box-shadow:0 18px 40px rgba(11,31,58,.14)}.mobile-head>div{max-width:620px}.mobile-menu-kicker{display:block;margin-bottom:.35rem;color:var(--apricot);font-size:.61rem;font-weight:850;letter-spacing:.12em;text-transform:uppercase}.mobile-head strong{display:block;font-family:var(--serif);font-size:clamp(1.65rem,3.4vw,2.25rem);line-height:1.05}.mobile-head p{max-width:55ch;color:#c6d4e4;font-size:.79rem;margin-top:.45rem}.mobile-menu-status{flex:0 0 auto;padding:.45rem .7rem;border:1px solid rgba(255,255,255,.22);border-radius:0;color:#dce7f2;font-size:.61rem;font-weight:750;letter-spacing:.04em}.mobile-featured{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.mobile-feature-card{position:relative;display:flex;min-height:145px;flex-direction:column;align-items:flex-start;padding:1.2rem 3.3rem 1.2rem 1.2rem;border:1px solid var(--line);border-radius:0;background:#fff;color:var(--ink);box-shadow:0 10px 25px rgba(16,35,63,.06);transition:transform .2s,border-color .2s,box-shadow .2s}.mobile-feature-card:hover{transform:translateY(-2px);border-color:#b7c9dd;color:var(--blue);box-shadow:0 14px 30px rgba(16,35,63,.1)}.mobile-feature-card.accent{border-top:3px solid var(--blue)}.mobile-feature-label{color:var(--blue);font-size:.59rem;font-weight:850;letter-spacing:.09em;text-transform:uppercase}.mobile-feature-card strong{margin:.45rem 0 .2rem;font:600 1.22rem/1.12 var(--serif)}.mobile-feature-card small{color:var(--muted);font-size:.7rem}.mobile-card-arrow{position:absolute;right:1rem;bottom:1rem;display:grid;width:30px;height:30px;place-items:center;border-radius:0;background:var(--blue-soft);color:var(--blue);font-size:1rem}.mobile-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.mobile-section{align-self:start;border:1px solid var(--line);border-radius:0;background:#fff;overflow:hidden}.mobile-section summary{position:relative;display:grid;grid-template-columns:1fr auto 18px;gap:.75rem;align-items:center;padding:1rem 1.1rem;cursor:pointer;list-style:none;color:var(--ink);font-size:.8rem;font-weight:800}.mobile-section summary::-webkit-details-marker{display:none}.mobile-section summary small{color:var(--muted);font-size:.6rem;font-weight:700;letter-spacing:.04em}.mobile-section summary i{position:relative;width:16px;height:16px}.mobile-section summary i:before,.mobile-section summary i:after{content:"";position:absolute;left:3px;top:7px;width:10px;height:1.5px;border-radius:0;background:var(--blue);transition:transform .2s}.mobile-section summary i:after{transform:rotate(90deg)}.mobile-section[open] summary{background:var(--blue-soft);color:var(--blue-dark)}.mobile-section[open] summary i:after{transform:rotate(0)}.mobile-section-links{padding:0 .95rem .5rem}.mobile-section-links a{display:flex;justify-content:space-between;align-items:center;gap:1rem;border-top:1px solid #e7edf3;padding:.72rem .15rem;color:var(--ink-2);font-size:.75rem;font-weight:680}.mobile-section-links a:hover{color:var(--blue)}.arrow{width:36px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.mobile-section-links .arrow{width:22px;flex:0 0 auto}.mobile-utility{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:1.2rem;margin-top:.2rem;padding:1rem 1.15rem;border-radius:0;background:var(--navy)}.mobile-utility>span{color:var(--apricot);font-size:.6rem;font-weight:850;letter-spacing:.09em;text-transform:uppercase}.mobile-utility>div{display:flex;justify-content:flex-end;flex-wrap:wrap;gap:.35rem 1.1rem}.mobile-utility a{color:#d4dfeb;font-size:.68rem;font-weight:650}.mobile-utility a:hover{color:#fff}@keyframes mobileMenuReveal{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:translateY(0)}}

.home-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line);background:linear-gradient(135deg,#fffdf8 0%,#f4f7fb 100%)}.home-hero-inner{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(390px,.85fr);gap:clamp(2.5rem,6vw,6rem);align-items:center;padding-block:clamp(4rem,7vw,6.25rem)}.hero-copy{max-width:650px}.hero-copy h1{color:var(--navy);font-size:clamp(3.4rem,6vw,5.35rem)}.hero-copy>p{font-size:clamp(1.05rem,1.6vw,1.25rem);color:var(--ink-2);max-width:52ch;margin:1.35rem 0 2rem}.hero-art{position:relative;margin:0;border:1px solid #cad5e2;background:#dce8f7;overflow:hidden;aspect-ratio:8/7}.hero-art:before{content:"";position:absolute;inset:18px;z-index:1;border:1px solid rgba(255,255,255,.7);pointer-events:none}.hero-art picture,.hero-art img{width:100%;height:100%}.hero-art img{object-fit:cover;object-position:center}.hero-art figcaption{position:absolute;z-index:2;left:1.15rem;right:1.15rem;bottom:1.15rem;padding:.75rem .9rem;background:rgba(7,24,46,.88);color:#e6eef8;font-size:.68rem;line-height:1.45}.hero-actions{display:flex;gap:.75rem;flex-wrap:wrap}.button{display:inline-flex;justify-content:center;align-items:center;min-height:48px;padding:.78rem 1.15rem;border:1px solid transparent;border-radius:0;font-weight:760;font-size:.84rem;cursor:pointer}.button.primary{background:var(--blue);color:#fff}.button.primary:hover{background:var(--blue-dark);color:#fff}.button.secondary{border-color:var(--ink);color:var(--ink);background:rgba(255,255,255,.45)}.button.secondary:hover{background:#fff}.button.light{background:#fff;color:var(--navy)}.button.wide{width:100%}.hero-proof{display:flex;flex-wrap:wrap;gap:.45rem 1.1rem;margin-top:1.5rem;color:var(--ink-2);font-size:.72rem}.hero-proof span{display:flex;align-items:center;gap:.4rem}.hero-proof span:before{content:"";width:7px;height:7px;border:2px solid var(--blue);border-radius:0}.signal-strip{background:var(--navy);color:#fff}.signal-grid{display:grid;grid-template-columns:repeat(4,1fr)}.signal-grid>div{display:flex;align-items:center;gap:.7rem;padding:1.2rem 1rem;border-left:1px solid #29405e}.signal-grid>div:last-child{border-right:1px solid #29405e}.signal-grid strong{font:600 2rem var(--serif);color:var(--apricot)}.signal-grid span{font-size:.72rem;color:#c5d0df;line-height:1.35}.split-head,.section-heading.row,.split{display:flex;justify-content:space-between;align-items:end;gap:2rem}.split-head>div,.section-heading>div{max-width:720px}.split-head p,.section-heading p{color:var(--ink-2);margin-top:.75rem}.text-link,.section-heading.row>a{display:inline-flex;align-items:center;gap:.55rem;font-size:.8rem;font-weight:760;white-space:nowrap}.feature-panel{display:grid;grid-template-columns:1.1fr .9fr;margin-top:2.5rem;border:1px solid var(--line);background:#fff}.feature-visual img{width:100%;height:100%;object-fit:cover;min-height:470px}.feature-copy{padding:clamp(2rem,5vw,4rem)}.feature-copy p{color:var(--ink-2);margin:1rem 0}.check-list,.plain-list{list-style:none;display:grid;gap:.65rem;margin:1.4rem 0}.check-list li,.plain-list li{position:relative;padding-left:1.4rem;color:var(--ink-2)}.check-list li:before,.plain-list li:before{content:"";position:absolute;left:0;top:.62rem;width:9px;height:5px;border-left:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:rotate(-45deg)}.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:2.4rem}.hub-card{background:#fff;padding:1.7rem;min-height:270px;display:flex;flex-direction:column}.path-mark{width:64px;color:var(--apricot);margin-bottom:2rem}.path-mark svg,.tool-icon svg{fill:none;stroke:currentColor;stroke-width:2}.hub-card h3{font-family:var(--serif);font-size:1.45rem}.hub-card h3 a,.story-card h3 a,.article-list h2 a{color:var(--ink)}.hub-card p{color:var(--muted);font-size:.85rem;margin:.8rem 0 1.2rem}.card-action{margin-top:auto;font-size:.73rem;font-weight:780;text-decoration:underline;text-decoration-color:#b9c9e8;text-underline-offset:5px}.magazine-section{background:var(--paper)}.magazine-grid{display:grid;grid-template-columns:1.25fr .75fr .75fr;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:2.4rem}.story-card{background:#fff;padding:1.65rem;min-height:260px}.story-card.lead{grid-row:span 2;min-height:521px;background:var(--navy);color:#fff;padding:clamp(2rem,4vw,3.5rem);display:flex;flex-direction:column;justify-content:end}.story-card.lead h3{font:600 clamp(2rem,4vw,3.5rem)/1.04 var(--serif)}.story-card.lead h3 a{color:#fff}.story-card.lead p{color:#cbd7e4}.story-topic{font-size:.64rem;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);font-weight:800;margin-bottom:.85rem}.story-card.lead .story-topic{color:var(--apricot)}.story-card h3{font-size:1.08rem}.story-card p{color:var(--muted);font-size:.8rem;margin:.8rem 0}.story-meta,.article-byline{display:flex;flex-wrap:wrap;gap:.5rem 1rem;color:var(--muted);font-size:.68rem}.story-card.lead .story-meta{color:#9fb0c8}.advisor-band{display:flex;align-items:center;justify-content:space-between;gap:2rem;padding:clamp(2rem,5vw,4rem);background:var(--blue);color:#fff}.advisor-band>div{max-width:750px}.advisor-band p{color:#dbe6ff;margin-top:.7rem}

.page-hero{padding:clamp(4.5rem,9vw,7rem) 0;background:var(--navy);color:#fff;border-bottom:5px solid var(--apricot)}.page-hero-inner{max-width:var(--max)}.page-hero h1{max-width:1100px;font-size:clamp(2.7rem,6vw,5rem)}.page-hero-inner>p{max-width:70ch;font-size:1.12rem;color:#cbd7e4;margin-top:1.2rem}.page-hero .direct-answer{max-width:1000px}.page-hero .direct-answer p{max-width:80ch}.direct-answer{margin-top:2rem;border-left:3px solid var(--apricot);padding:1rem 1.2rem;background:rgba(255,255,255,.07)}.direct-answer strong{font-size:.67rem;text-transform:uppercase;letter-spacing:.1em;color:var(--apricot)}.direct-answer p{color:#fff;margin-top:.35rem}.editorial-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem}.editorial-lead{border:1px solid var(--line)}.editorial-lead img{aspect-ratio:16/10;object-fit:cover}.editorial-lead>div{padding:2rem}.editorial-lead p{color:var(--muted);margin-top:.7rem}.hub-list{border-top:1px solid var(--line)}.hub-list article{display:grid;grid-template-columns:1fr auto;gap:1rem;padding:1.4rem 0;border-bottom:1px solid var(--line)}.hub-list h2{font:700 1.2rem var(--font);letter-spacing:-.02em}.hub-list h2 a{color:var(--ink)}.hub-list p{font-size:.8rem;color:var(--muted);margin-top:.3rem}.hub-layout{display:grid;grid-template-columns:290px 1fr;gap:5rem}.hub-aside{position:sticky;top:106px;align-self:start;border-top:3px solid var(--blue);padding-top:1.2rem}.hub-aside h2{font:750 .83rem var(--font);letter-spacing:0}.hub-aside ul{list-style:none;margin:1rem 0 1.5rem}.hub-aside li{border-top:1px solid var(--line)}.hub-aside li:last-child{border-bottom:1px solid var(--line)}.hub-aside li a{display:block;padding:.65rem 0;color:var(--ink-2);font-size:.72rem}.article-list{border-top:1px solid var(--line)}.article-list article{padding:2.1rem 0;border-bottom:1px solid var(--line)}.article-list h2{font-size:2rem;margin:.5rem 0}.article-list p{color:var(--muted);max-width:70ch}.article-list .card-action{display:inline-block;margin-top:.8rem}.article-header{padding:5rem 0 3.5rem;background:#f1f5fa;border-bottom:1px solid var(--line)}.article-shell{max-width:1040px}.article-header h1{font-size:clamp(2.5rem,6vw,5rem);max-width:15ch}.article-dek{font-size:1.15rem;color:var(--ink-2);max-width:65ch;margin:1.2rem 0 1.5rem}.body-shell{display:grid;grid-template-columns:260px minmax(0,760px);gap:5rem;padding-top:4rem;padding-bottom:6rem}.body-shell>*{min-width:0}.body-shell aside{align-self:start;position:sticky;top:110px}.takeaway-box{border-top:3px solid var(--blue);padding-top:1rem}.takeaway-box h2{font:750 .82rem var(--font);letter-spacing:0}.takeaway-box ul{list-style:none;margin-top:.8rem}.takeaway-box li{padding:.65rem 0;border-top:1px solid var(--line);font-size:.75rem;color:var(--ink-2)}.takeaway-box p{font-size:.78rem;color:var(--ink-2)}.disclosure{font-size:.67rem;color:var(--muted);margin-top:1rem}.prose{font-family:var(--serif);font-size:1.12rem;color:#25364c}.prose section+section{margin-top:3.2rem}.prose h2{font-size:2rem;margin-bottom:1rem;color:var(--navy)}.prose h3{font:700 1.2rem var(--font);margin:2rem 0 .7rem}.prose p+p{margin-top:1.1rem}.prose a{text-decoration:underline;text-underline-offset:3px}.prose ul,.prose ol{padding-left:1.4rem;margin:1rem 0}.prose li+li{margin-top:.5rem}.sources{border-top:1px solid var(--line);padding-top:2rem}.sources ul{font-family:var(--font);font-size:.78rem}.related-section{background:var(--navy);color:#fff;padding:4rem 0}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:#29405e;margin-top:1.5rem}.related-grid article{background:var(--navy);padding:1.5rem}.related-grid a{color:#fff}.related-grid p{font-size:.78rem;color:#aebbd0;margin-top:.5rem}.static-prose>section{padding-bottom:2rem;border-bottom:1px solid var(--line)}

.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.tool-card{background:#fff;padding:2rem;min-height:290px;display:flex;flex-direction:column}.tool-card.primary-tool{background:var(--navy);color:#fff}.tool-icon{color:var(--apricot);width:64px;margin-bottom:2rem}.tool-card h2{font:700 1.25rem var(--font);letter-spacing:-.02em}.tool-card h2 a{color:inherit}.tool-card p{color:var(--muted);font-size:.84rem;margin:.8rem 0}.tool-card.primary-tool p{color:#b9c7d8}.tool-card.primary-tool .card-action{color:#fff}.methodology-strip{background:#eaf1ff}.calculator-section{background:#f1f5fa}.calculator-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:2rem;align-items:start}.calculator-card,.result-card,.match-form,.match-result{background:#fff;border:1px solid var(--line);padding:clamp(1.5rem,4vw,2.6rem)}.calculator-card h2,.result-card h2,.match-form h2,.match-result h2{font:700 1.2rem var(--font);letter-spacing:-.02em;margin-bottom:1.5rem}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.field-grid label{font-size:.72rem;font-weight:760}.field-grid label span{display:block;font-size:.62rem;color:var(--muted);font-weight:500}.field-grid input{width:100%;border:1px solid #bdcad8;background:#fff;padding:.72rem;margin-top:.35rem;border-radius:0;color:var(--ink)}.field-grid input:focus{border-color:var(--blue);outline:2px solid #c9dbff}.calculator-card .button{margin-top:1.2rem}.result-card{background:var(--navy);color:#fff;position:sticky;top:106px}.result-card h2{color:#fff}.result-main{border-block:1px solid #29405e;padding:1.3rem 0;margin-bottom:1rem}.result-main span{display:block;color:#9fb0c8;font-size:.72rem}.result-main strong{display:block;font:600 clamp(2.2rem,5vw,4rem) var(--serif);color:var(--apricot)}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:#29405e}.result-grid>div{background:var(--navy);padding:1rem}.result-grid span{display:block;font-size:.63rem;color:#9fb0c8}.result-grid strong{font-size:1rem}.lever-box{margin-top:1.4rem;padding:1rem;background:#102b4e}.lever-box h3{font-size:.76rem}.lever-box ul{padding-left:1.2rem;color:#c7d5e5;font-size:.72rem;margin-top:.5rem}.result-note{font-size:.66rem;color:#8fa4bd;margin-top:1rem}.formula-layout{display:grid;grid-template-columns:1fr 1fr;gap:5rem}.formula-layout p{color:var(--ink-2);margin-top:.8rem}.match-layout{display:grid;grid-template-columns:1fr 1fr;gap:2rem}.match-form fieldset{border:0;border-top:1px solid var(--line);padding:1.2rem 0}.match-form legend{font-weight:760;font-size:.78rem;padding-right:.6rem}.match-form label{display:flex;gap:.6rem;align-items:flex-start;font-size:.8rem;color:var(--ink-2);margin:.7rem 0}.match-form input{margin-top:.25rem;accent-color:var(--blue)}.match-result{background:var(--blue-soft)}.match-result h3{margin:1.2rem 0 .5rem}.match-result ul{padding-left:1.2rem}.match-result li{font-size:.82rem;margin:.4rem 0}.blog-list{max-width:900px}.empty-state{padding:3rem;border:1px solid var(--line);background:var(--surface)}.empty-state p{color:var(--ink-2);margin-top:.8rem}.message-page{min-height:60vh}.message-page p{font-size:1.1rem;color:var(--ink-2);margin:1rem 0 2rem}

.pagination{display:flex;justify-content:space-between;gap:1rem;padding:2rem 0}.pagination a{font-weight:750;text-decoration:underline;text-underline-offset:3px}

.site-footer{background:#07182e;color:#fff;padding:4rem 0 1.5rem;border-top:5px solid var(--apricot)}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:3rem}.footer-brand img{width:170px;filter:brightness(0) invert(1)}.footer-brand p{font-size:.78rem;color:#9fb0c8;margin-top:1rem;max-width:35ch}.footer-grid .footer-heading{font:800 .65rem var(--font);letter-spacing:.1em;text-transform:uppercase;color:var(--apricot);margin:0 0 .8rem}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:.5rem}.footer-grid a{color:#c8d4e2;font-size:.74rem}.footer-base{display:flex;justify-content:space-between;gap:1rem;border-top:1px solid #203751;margin-top:3rem;padding-top:1.2rem;color:#8195ae;font-size:.64rem}.footer-base p{margin:0}

table{width:100%;border-collapse:collapse}th,td{text-align:left;padding:.75rem;border-bottom:1px solid var(--line)}tr:hover{box-shadow:none}
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@media(max-width:430px){h1{font-size:2.65rem}.menu-button{min-width:74px}.signal-grid span{font-size:.66rem}.footer-grid{grid-template-columns:1fr}.footer-grid>div:last-child{grid-column:auto}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
.blog-row{display:grid;grid-template-columns:220px 1fr;gap:1.5rem}.blog-row>img{width:220px;height:150px;object-fit:cover}.article-cover{margin-top:2.5rem}.article-cover img{width:100%;max-height:560px;object-fit:cover}@media(max-width:700px){.blog-row{grid-template-columns:1fr}.blog-row>img{width:100%;height:auto;aspect-ratio:16/10}}
.article-answer{margin-bottom:1.5rem;background:rgba(255,255,255,.64)}.article-answer p{color:var(--ink);font-family:var(--font);font-size:1rem}.example-module{border-top:3px solid var(--apricot);padding-top:1.5rem}.example-grid{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:1.4rem}.example-grid>div{background:#fff;padding:1.1rem}.example-grid h3{margin:0 0 .35rem;color:var(--blue)}.example-grid p{font:400 .91rem/1.6 var(--font);color:var(--ink-2)}.context-links{padding:1.5rem;background:var(--blue-soft);border-left:3px solid var(--blue)}.context-links p{font-family:var(--font);font-size:.9rem}.faq-list{margin-top:1.8rem;border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line);padding:1rem 0}.faq-list summary{cursor:pointer;font-weight:760;color:var(--ink)}.faq-list p{color:var(--ink-2);margin-top:.7rem;max-width:70ch}.comparison-chart{display:grid;gap:.7rem;margin:1rem 0 1.4rem}.comparison-chart span{font-size:.64rem;color:#b8c6d8}.comparison-chart i{display:block;height:9px;background:#223b5a;margin-top:.25rem;overflow:hidden}.comparison-chart b{display:block;height:100%;width:2%;background:var(--apricot);transition:width .35s ease}.comparison-chart>div:first-child b{background:#6fa1ff}
.home-answer{max-width:58ch;margin:1.35rem 0 2rem;background:#fff;border:1px solid var(--line);border-left:3px solid var(--blue)}.home-answer strong{color:var(--blue)}.home-answer p{color:var(--ink-2);font-size:1rem}.answer-first{font-weight:600;color:var(--ink)!important}
.home-tool-section{padding-bottom:2rem}.home-tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:2rem}.home-tool-grid article{display:flex;flex-direction:column;align-items:flex-start;background:#fff;padding:1.5rem;min-width:0}.home-tool-grid .tool-number{font:800 .62rem var(--font);letter-spacing:.1em;color:var(--blue)}.home-tool-grid h3{font-size:1.35rem;margin:.65rem 0}.home-tool-grid p{font-size:.8rem;color:var(--ink-2)}.home-tool-grid p+p{margin-top:.65rem}.home-tool-grid .tool-boundary{padding-top:.65rem;border-top:1px solid var(--line)}.home-tool-grid .card-action{margin-top:auto;padding-top:1.1rem}.home-stage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:2rem}.home-stage-grid article{background:var(--surface);padding:1.6rem}.home-stage-grid article>span{font:800 .62rem var(--font);letter-spacing:.09em;text-transform:uppercase;color:var(--blue)}.home-stage-grid h3{font-size:1.4rem;margin:.65rem 0}.home-stage-grid p{font-size:.84rem;color:var(--ink-2);margin-bottom:1rem}.home-stage-grid a{font-size:.76rem;font-weight:760;text-decoration:underline;text-underline-offset:3px}.trust-split{display:grid;grid-template-columns:.8fr 1.2fr;gap:4rem;align-items:start;padding-top:3rem;border-top:1px solid var(--line)}.trust-split>div:first-child>p{color:var(--ink-2);margin:1rem 0}.trust-checks{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line)}.trust-checks article{background:#fff;padding:1.3rem}.trust-checks h3{font-size:1.08rem;margin-bottom:.45rem}.trust-checks p{font-size:.78rem;color:var(--ink-2)}
@media(max-width:900px){.home-tool-grid{grid-template-columns:1fr 1fr}.home-stage-grid,.trust-split{grid-template-columns:1fr}.trust-split{gap:2rem}}
@media(max-width:700px){.home-tool-grid,.home-stage-grid,.trust-checks{grid-template-columns:1fr}.home-tool-grid article,.home-stage-grid article{padding:1.25rem}.trust-split{padding-top:2rem}}
.home-discovery-section{background:var(--navy);color:#fff}.home-discovery-section .section-heading p{color:#c5d0df}.home-discovery-section .section-heading a{color:#fff}.home-discovery-section .eyebrow{display:block;color:var(--apricot);margin-bottom:.65rem}.home-discovery-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#29405e;border:1px solid #29405e;margin-top:2.4rem}.home-discovery-card{display:flex;flex-direction:column;min-width:0;min-height:285px;padding:1.45rem;background:#102946}.home-discovery-card>span{font-size:.62rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--apricot)}.home-discovery-card h3{font-size:1.2rem;margin:.7rem 0}.home-discovery-card h3 a,.home-discovery-card .card-action{color:#fff}.home-discovery-card p{font-size:.8rem;color:#c5d0df;margin-bottom:1rem}.home-discovery-card .card-action{text-decoration-color:#7895bd}
@media(max-width:980px){.home-discovery-grid{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.home-discovery-grid{grid-template-columns:1fr}.home-discovery-card{min-height:0;padding:1.25rem}}
.decision-module{padding:1.6rem;background:#f4f7fb;border-top:3px solid var(--blue)}.decision-grid{display:grid;grid-template-columns:1fr;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:1.4rem}.decision-grid article{background:#fff;padding:1.2rem}.decision-grid h3{margin:0 0 .45rem;color:var(--navy)}.decision-grid p{font:400 .92rem/1.65 var(--font);color:var(--ink-2)}
.decision-record{padding:1.5rem;border:1px solid var(--line);background:#fffdf8}.decision-record p{color:var(--ink-2)}

/* Decision-guide visual system */
.article-topic,.eyebrow,.section-label,.dashboard-heading>div>span,.takeaway-label{font:800 .64rem/1.2 var(--font);letter-spacing:.1em;text-transform:uppercase}.article-topic{color:var(--blue);margin-bottom:.8rem}.article-dashboard{background:var(--navy);color:#fff;border-bottom:5px solid var(--apricot);padding:2.2rem 0}.dashboard-heading{display:flex;align-items:end;justify-content:space-between;gap:2rem;margin-bottom:1.35rem}.dashboard-heading h2{font-size:2rem;margin-top:.25rem}.dashboard-heading>div>span{color:var(--apricot)}.dashboard-heading>p{max-width:54ch;color:#b9c7d8;font-size:.78rem}.takeaway-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#29405e;border:1px solid #29405e}.takeaway-card{display:flex;gap:.8rem;align-items:flex-start;background:var(--navy);padding:1.15rem;min-height:142px}.takeaway-icon{display:grid;place-items:center;flex:0 0 32px;width:32px;height:32px;border:1px solid #49617e;color:var(--apricot);border-radius:0}.takeaway-icon svg,.record-icon svg,.summary-mark svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.takeaway-label{display:block;color:#8fa4bd;margin:.15rem 0 .45rem}.takeaway-card p{font-size:.75rem;line-height:1.5;color:#eef3f9}.article-rail{align-self:start;position:sticky;top:105px}.contents-box{border-top:3px solid var(--blue)}.contents-box h2{font:780 .8rem var(--font);letter-spacing:0;padding:1rem 0 .7rem}.contents-box ol{list-style:none}.contents-box li{border-top:1px solid var(--line)}.contents-box li:last-child{border-bottom:1px solid var(--line)}.contents-box a{display:block;padding:.65rem 0;color:var(--ink-2);font-size:.69rem;line-height:1.4}.rail-note{padding:1rem;margin-top:1rem;background:var(--blue-soft);border-left:3px solid var(--blue)}.rail-note strong{font-size:.7rem}.rail-note p{font-size:.65rem;color:var(--ink-2);margin-top:.3rem}.section-label{display:flex;align-items:center;gap:.45rem;color:var(--blue);margin-bottom:.7rem}.section-label span{display:grid;place-items:center;width:25px;height:25px;border-radius:0;background:var(--blue-soft);font-size:.67rem;letter-spacing:0}.decision-overview{padding:1.5rem;background:var(--surface);border:1px solid var(--line)}.decision-overview>p{font:400 .9rem/1.6 var(--font);color:var(--ink-2)}.article-decision-table{margin-bottom:0}.article-decision-table table{min-width:650px}.article-decision-table td:first-child{width:58px;text-align:center;color:var(--blue);font-weight:800}.article-decision-table td:nth-child(2){font-weight:700;color:var(--ink)}.article-decision-table td:nth-child(3){min-width:230px}.guide-section{scroll-margin-top:100px;padding-top:.3rem}.section-result{display:flex;gap:.7rem;align-items:flex-start;margin-top:1.4rem;padding:1rem;background:#eef7f1;border-left:3px solid var(--sage)}.section-result>span{display:grid;place-items:center;flex:0 0 25px;width:25px;height:25px;border-radius:0;background:var(--sage);color:#fff;font:800 .75rem var(--font)}.section-result p{font:400 .82rem/1.5 var(--font);color:var(--ink-2)}.decision-grid,.example-grid{grid-template-columns:repeat(3,1fr)}.decision-grid article,.example-grid>div{position:relative}.mini-icon{display:grid;place-items:center;width:28px;height:28px;border-radius:0;background:var(--blue-soft);color:var(--blue);font:800 .7rem var(--font);margin-bottom:.7rem}.decision-record{display:flex;gap:1rem;align-items:flex-start}.record-icon{display:grid;place-items:center;flex:0 0 44px;width:44px;height:44px;border-radius:0;background:var(--blue-soft);color:var(--blue)}.decision-record h2{font-size:1.6rem;margin-bottom:.6rem}.planning-worksheet{scroll-margin-top:100px;border:1px solid #b9c8d8;background:#f7f9fc;padding:1.6rem}.worksheet-head{display:grid;grid-template-columns:1fr .85fr;gap:2rem;align-items:end;padding-bottom:1.3rem;border-bottom:1px solid var(--line)}.worksheet-head>p{font:400 .76rem/1.5 var(--font);color:var(--muted)}.worksheet-form{display:grid;gap:1rem;margin-top:1.2rem}.worksheet-form label{display:grid;gap:.4rem;font:750 .69rem var(--font);color:var(--ink)}.worksheet-form textarea,.worksheet-form input{width:100%;border:1px solid #b7c6d6;border-radius:0;background:#fff;padding:.7rem;color:var(--ink);resize:vertical}.worksheet-form textarea:focus,.worksheet-form input:focus{outline:2px solid #bfd1fb;border-color:var(--blue)}.worksheet-pair{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.article-summary{display:flex;gap:1rem;background:var(--navy);color:#fff;padding:1.7rem}.summary-mark{display:grid;place-items:center;flex:0 0 46px;width:46px;height:46px;border:1px solid #47607d;border-radius:0;color:var(--apricot)}.article-summary>div>span{font:800 .62rem var(--font);letter-spacing:.1em;text-transform:uppercase;color:var(--apricot)}.article-summary h2{font-size:1.7rem;color:#fff;margin:.35rem 0 .55rem}.article-summary p{font:400 .87rem/1.6 var(--font);color:#c8d4e2}.sources>p{font:400 .84rem/1.6 var(--font);color:var(--ink-2);margin-bottom:1rem}.sources li{padding:.6rem 0;border-bottom:1px solid var(--line)}.sources a{display:flex;justify-content:space-between;gap:1rem}.related-section>.container>.eyebrow{color:var(--apricot)}.related-grid article>span{font-size:.61rem;text-transform:uppercase;letter-spacing:.08em;color:#7fa0c8}.related-grid h3{margin-top:.45rem}

@media(max-width:900px){.takeaway-grid{grid-template-columns:1fr 1fr}.takeaway-card{min-height:125px}.decision-grid,.example-grid{grid-template-columns:1fr}.body-shell{grid-template-columns:1fr;gap:2.5rem}.article-rail{position:static}.contents-box ol{display:grid;grid-template-columns:1fr 1fr}.contents-box li:nth-child(2){border-top:1px solid var(--line)}.contents-box li:nth-last-child(2){border-bottom:1px solid var(--line)}}
@media(max-width:700px){.dashboard-heading{display:block}.dashboard-heading>p{margin-top:.7rem}.takeaway-grid{grid-template-columns:1fr}.takeaway-card{min-height:0}.contents-box ol,.worksheet-pair,.worksheet-head{grid-template-columns:1fr}.article-dashboard{padding:1.7rem 0}.article-summary{display:block}.summary-mark{margin-bottom:1rem}.planning-worksheet,.decision-overview{padding:1.1rem}}

@media print{.site-nav,.mobile-menu,.breadcrumb-bar,.article-rail,.related-section,.site-footer,.context-links{display:none!important}.article-header,.article-dashboard,.article-summary{background:#fff!important;color:#000!important}.article-dashboard{border:1px solid #aaa}.body-shell{display:block;padding-block:1rem}.takeaway-grid{grid-template-columns:1fr 1fr}.takeaway-card{background:#fff;color:#000;border:1px solid #aaa}.takeaway-card p,.dashboard-heading>p,.article-summary p{color:#222}.prose section+section{margin-top:1.5rem}.planning-worksheet{break-inside:avoid}.worksheet-form textarea{min-height:60px}.article-header{padding:1.5rem 0}.article-header h1{color:#000}}
.method-steps{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:1.5rem}.method-steps article{background:#fff;padding:1.15rem}.method-steps h3{color:var(--blue);margin-bottom:.35rem}.method-steps p,.example-callout p{color:var(--ink-2)}.example-callout{border-top:4px solid var(--apricot);background:var(--surface);padding:2rem;align-self:start}.example-callout h2{font-size:2rem}.example-callout h3{margin:1.7rem 0 .5rem}
.mobile-section-title{font:800 .68rem var(--font);letter-spacing:.1em;text-transform:uppercase;border-bottom:1px solid #29405e;padding:.7rem 0;color:var(--apricot)}
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.benefit-questions{margin-top:1rem}.benefit-questions article{padding:.8rem 0;border-top:1px solid #d8cce2}.benefit-questions h3{margin:0 0 .25rem;font-size:.86rem}.benefit-questions p{color:var(--ink-2);font-size:.73rem}
.fee-example{margin-top:1.5rem;padding:1rem;border-left:4px solid #a25330;background:#f7f1ea}.fee-example h3{margin-bottom:.35rem}.fee-example p{color:var(--ink-2);font-size:.76rem}.fee-review-list{list-style:none;margin-top:1rem}.fee-review-list li{padding-top:1rem;border-top:1px solid #dfcdbd}.fee-review-list h3{margin-bottom:.25rem}.fee-review-list p{color:var(--ink-2);font-size:.74rem}

/* there.you decision-map navigation */
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.desktop-nav .mega-menu{top:calc(100% - 3px);width:760px;grid-template-columns:248px 1fr;overflow:hidden;border:1px solid #c6d2df;border-radius:0;background:#fff;box-shadow:0 28px 70px rgba(8,27,52,.22),0 8px 22px rgba(8,27,52,.1);transform:translateY(12px) scale(.985);transform-origin:50% 0}.desktop-nav .nav-group-1 .mega-menu{left:-95px}.desktop-nav .nav-group-2 .mega-menu{left:50%;margin-left:-380px}.desktop-nav .nav-group-3 .mega-menu{right:-210px;left:auto}.desktop-nav .mega-menu:after{content:"";position:absolute;inset:0;z-index:3;border-radius:0;box-shadow:inset 0 4px 0 var(--menu-accent);pointer-events:none}.desktop-nav .nav-group:hover .mega-menu,.desktop-nav .nav-group:focus-within .mega-menu,.desktop-nav .nav-trigger[aria-expanded=true]+.mega-menu{transform:translateY(0) scale(1)}.mega-intro{position:relative;isolation:isolate;padding:1.55rem;background:linear-gradient(150deg,#091a31 0%,#112d4c 70%,#15385c 100%)}.mega-intro:before{content:"";position:absolute;z-index:-1;right:-50px;bottom:-80px;width:180px;height:180px;border:1px solid color-mix(in srgb,var(--menu-accent) 35%,transparent);border-radius:0;box-shadow:0 0 0 28px color-mix(in srgb,var(--menu-accent) 8%,transparent),0 0 0 55px color-mix(in srgb,var(--menu-accent) 5%,transparent)}.mega-route-mark{display:grid;width:92px;height:50px;place-items:center;margin-bottom:1rem;border:1px solid rgba(255,255,255,.15);border-radius:0;background:rgba(255,255,255,.05)}.mega-route-mark svg{width:72px;height:38px;fill:none;stroke:var(--menu-accent);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.mega-route-mark circle{fill:#0d2745}.mega-kicker{display:block;margin-bottom:.3rem;color:var(--menu-accent);font-size:.55rem;font-weight:850;letter-spacing:.12em;text-transform:uppercase}.mega-intro>strong{display:block;color:#fff;font:600 1.6rem/1.08 var(--serif)}.mega-intro>p{position:relative;max-width:25ch;margin:.7rem 0 1.15rem;color:#c8d5e3;font-size:.7rem;line-height:1.55}.mega-actions{position:relative;display:grid;gap:.3rem}.mega-actions a{display:grid;grid-template-columns:25px 1fr;gap:.55rem;align-items:center;min-height:34px;padding:.35rem .45rem;border:1px solid rgba(255,255,255,.09);border-radius:0;background:rgba(255,255,255,.035);color:#e6edf5;font-size:.64rem;text-decoration:none}.mega-actions a:after{content:none}.mega-actions a:hover{border-color:color-mix(in srgb,var(--menu-accent) 65%,transparent);background:color-mix(in srgb,var(--menu-accent) 15%,transparent);color:#fff}.mega-action-mark{display:grid;width:22px;height:22px;place-items:center;border-radius:0;background:color-mix(in srgb,var(--menu-accent) 22%,transparent);color:var(--menu-accent);font-size:.82rem;font-weight:750}.mega-links{display:grid;grid-template-columns:1fr 1fr;gap:1px;padding:1px;background:#dce4ec}.mega-item{min-width:0;padding:0;background:#fbfcfd;box-shadow:none}.mega-item:hover,.mega-item:focus-within{background:#fff;box-shadow:none}.mega-topic-link,.mega-item a.mega-topic-link{display:grid;grid-template-columns:44px minmax(0,1fr) 24px;gap:.8rem;align-items:start;min-height:155px;padding:1.15rem;color:var(--ink);text-decoration:none}.mega-item a.mega-topic-link:hover,.mega-item a.mega-topic-link:focus{color:var(--ink);text-decoration:none}.mega-topic-link:before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--menu-accent);transform:scaleY(0);transform-origin:bottom;transition:transform .18s ease}.mega-item:hover .mega-topic-link:before,.mega-item:focus-within .mega-topic-link:before{transform:scaleY(1)}.topic-mark{display:grid;width:44px;height:44px;place-items:center;border:1px solid color-mix(in srgb,var(--menu-accent,var(--blue)) 28%,#ccd7e2);border-radius:0;background:var(--menu-soft,var(--blue-soft));color:var(--menu-accent,var(--blue));transition:transform .18s ease,background-color .18s ease}.topic-mark svg{width:27px;height:27px;fill:none;stroke:currentColor;stroke-width:1.65;stroke-linecap:round;stroke-linejoin:round}.mega-item:hover .topic-mark,.mega-item:focus-within .topic-mark{transform:translateY(-2px);background:#fff}.mega-topic-copy{min-width:0}.mega-topic-copy small{display:block;margin-bottom:.2rem;color:var(--menu-accent);font-size:.51rem;font-weight:850;letter-spacing:.09em;text-transform:uppercase}.mega-topic-copy>strong{display:block;color:var(--ink);font-size:.78rem;line-height:1.2}.mega-topic-copy>span{display:block;margin-top:.42rem;color:var(--muted);font-size:.61rem;line-height:1.45}.mega-link-arrow{display:grid;width:24px;height:24px;place-items:center;margin-top:10px;border-radius:0;background:#eef2f6;color:#7a8da2;transition:background-color .18s ease,color .18s ease,transform .18s ease}.mega-link-arrow svg{width:14px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.mega-item:hover .mega-link-arrow,.mega-item:focus-within .mega-link-arrow{transform:translateX(2px);background:var(--menu-soft);color:var(--menu-accent)}
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/* Flat editorial interface: square controls, plain hierarchy, no decorative step rail. */
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.direct-answer p{margin-top:0}