:root{--navy:#0B1F3A;--navy2:#132B4F;--ink:#1B2433;--muted:#5A6577;--line:#E3E6EC;--paper:#FFFFFF;--cream:#F6F4EF;--gold:#B8924A;--gold2:#D4B26E;
--serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,"Times New Roman",serif;
--sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;font-size:17px;overflow-x:hidden}
img,svg{max-width:100%}
a{color:var(--navy2);text-decoration-color:rgba(184,146,74,.6);text-underline-offset:3px}
a:hover{color:var(--gold)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:2px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:.6rem 1rem;z-index:100}
.skip:focus{left:0}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:740px}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.15;color:var(--navy);margin:0 0 .5em;letter-spacing:-.01em}
.eyebrow{font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:0 0 .9rem}
.eyebrow a{color:inherit;text-decoration:none}
.lede{font-size:1.12rem;color:var(--muted);max-width:640px}
.note{font-size:.8rem;color:var(--muted)}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:inline-flex;align-items:center;gap:.55rem;text-decoration:none;color:var(--navy)}
.brand .mark{width:34px;height:34px;color:var(--navy)}
.wordmark{font-family:var(--serif);font-size:1.22rem;letter-spacing:.02em;color:var(--navy);white-space:nowrap}
.wordmark span{color:var(--gold)}
.menu-btn{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:0;background:transparent;cursor:pointer;border-radius:6px}
.bars,.bars:before,.bars:after{display:block;width:22px;height:2px;background:var(--navy);position:relative;transition:.2s}
.bars:before,.bars:after{content:"";position:absolute;left:0}
.bars:before{top:-7px}.bars:after{top:7px}
.menu-btn[aria-expanded=true] .bars{background:transparent}
.menu-btn[aria-expanded=true] .bars:before{top:0;transform:rotate(45deg)}
.menu-btn[aria-expanded=true] .bars:after{top:0;transform:rotate(-45deg)}
.site-nav{position:absolute;left:0;right:0;top:64px;background:#fff;border-bottom:1px solid var(--line);display:none;box-shadow:0 12px 24px rgba(11,31,58,.08)}
.site-nav.open{display:block}
.site-nav ul{list-style:none;margin:0;padding:.5rem 20px 1.2rem}
.site-nav li a{display:block;padding:.75rem 0;text-decoration:none;color:var(--navy);font-weight:500;border-bottom:1px solid var(--line)}
.site-nav li:last-child a{border:0;margin-top:.9rem;text-align:center}
.site-nav a[aria-current=page]{color:var(--gold)}
@media(min-width:900px){
 .menu-btn{display:none}
 .site-nav{position:static;display:block;border:0;box-shadow:none;background:transparent}
 .site-nav ul{display:flex;align-items:center;gap:1.8rem;padding:0}
 .site-nav li a{border:0;padding:.3rem 0;font-size:.95rem}
 .site-nav li:last-child a{margin:0;padding:.55rem 1.1rem}
}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:.7rem 1.4rem;border-radius:2px;font-weight:600;font-size:.95rem;letter-spacing:.02em;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:var(--sans);transition:.15s}
.btn-sm{min-height:38px;padding:.45rem 1rem;font-size:.88rem}
.btn-gold{background:var(--gold);color:var(--navy)!important}
.btn-gold:hover{background:var(--gold2)}
.btn-navy{background:var(--navy);color:#fff!important}
.btn-navy:hover{background:var(--navy2)}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff!important}
.btn-ghost:hover{border-color:var(--gold2);color:var(--gold2)!important}
/* hero */
.hero{background:radial-gradient(120% 90% at 85% 0%,#1d3a66 0%,var(--navy) 55%,#071528 100%);color:#fff;position:relative;overflow:hidden}
.hero-inner{padding:72px 20px 84px}
.hero h1{color:#fff;font-size:clamp(2.9rem,11vw,5.4rem);max-width:16ch;margin-bottom:.4em}
.hero h1 em{color:var(--gold2);font-style:italic}
.hero .lede{color:#C9D2E0;font-size:1.15rem}
.hero-cta{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem}
.hero-rule{height:4px;background:linear-gradient(90deg,var(--gold),transparent 70%)}
@media(min-width:900px){.hero-inner{padding:120px 20px 130px}}
/* stats */
.stats{border-bottom:1px solid var(--line);padding:36px 0 22px}
.stats-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px 22px}
.stat{border-left:2px solid var(--gold);padding-left:14px}
.stat .num{display:block;font-family:var(--serif);font-size:2.1rem;color:var(--navy);line-height:1.1}
.stat .lbl{display:block;font-size:.84rem;color:var(--muted);line-height:1.4;margin-top:.3rem}
.stats .note{margin-top:20px}
@media(min-width:900px){.stats-grid{grid-template-columns:repeat(4,1fr)}.stat .num{font-size:2.8rem}}
/* sections */
.section{padding:64px 0}
.section.alt{background:var(--cream)}
.section-h{font-size:clamp(1.7rem,5vw,2.5rem)}
.section-top{display:flex;justify-content:space-between;align-items:flex-end;gap:1rem;flex-wrap:wrap;margin-bottom:1.6rem}
.more{font-weight:600;text-decoration:none;white-space:nowrap}
.principles{display:grid;gap:28px;margin-top:2rem}
.principle{border-top:1px solid var(--line);padding-top:1.2rem}
.pn{font-family:var(--serif);color:var(--gold);font-size:1.1rem}
.principle h3{font-size:1.35rem;margin:.3rem 0 .4rem}
.principle p{margin:0;color:var(--muted)}
@media(min-width:760px){.principles{grid-template-columns:1fr 1fr;gap:36px 48px}}
@media(min-width:1050px){.principles{grid-template-columns:repeat(4,1fr)}}
.cards{display:grid;gap:18px}
@media(min-width:700px){.cards{grid-template-columns:1fr 1fr}}
@media(min-width:1050px){.cards{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);padding:22px 22px 18px;display:flex;flex-direction:column;transition:.15s}
.card:hover{border-top-color:var(--gold);box-shadow:0 10px 30px rgba(11,31,58,.07)}
.card .kicker{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin:0 0 .6rem;font-weight:600}
.card h3{font-size:1.32rem;margin-bottom:.5rem}
.card h3 a{text-decoration:none;color:var(--navy)}
.card h3 a:hover{color:var(--gold)}
.card p{margin:0 0 .8rem;color:var(--muted);font-size:.95rem}
.card .meta{margin-top:auto;font-size:.8rem;color:#8590A2;margin-bottom:0}
.tools-teaser{display:grid;gap:36px;align-items:center}
@media(min-width:860px){.tools-teaser{grid-template-columns:1.1fr .9fr}}
.mini-chart{display:flex;align-items:flex-end;gap:8px;height:220px;padding:20px;background:var(--navy);border-radius:2px}
.mini-chart div{flex:1;background:linear-gradient(180deg,var(--gold2),var(--gold));border-radius:1px 1px 0 0}
/* newsletter */
.newsletter{background:var(--navy);color:#fff;padding:60px 0}
.newsletter h2{color:#fff;font-size:clamp(1.8rem,5vw,2.4rem)}
.newsletter p{color:#C9D2E0}
.eyebrow.light{color:var(--gold2)}
.nl-inner{display:grid;gap:26px;align-items:center}
@media(min-width:860px){.nl-inner{grid-template-columns:1fr 1fr}}
.nl-row{display:flex;flex-wrap:wrap;gap:10px}
.nl-row input{flex:1 1 220px;min-height:48px;padding:.7rem 1rem;font-size:1rem;border:1px solid rgba(255,255,255,.3);background:rgba(255,255,255,.06);color:#fff;border-radius:2px}
.nl-row input::placeholder{color:#93A1B8}
.nl-row .btn{flex:0 0 auto}
.nl-msg{min-height:1.2em;margin:.6rem 0 0;font-size:.92rem;color:var(--gold2)!important}
.nl-fine{font-size:.78rem;margin:.3rem 0 0;color:#93A1B8!important}
/* page heads & articles */
.page-head,.article-head{background:var(--navy);color:#fff;padding:56px 0 52px;border-bottom:4px solid var(--gold)}
.page-head h1,.article-head h1{color:#fff;font-size:clamp(2.1rem,7vw,3.6rem)}
.page-head .lede,.article-head .lede{color:#C9D2E0}
.meta.light{color:#93A1B8;font-size:.86rem;margin:0}
.light-link{color:var(--gold2)}
.prose{padding-top:44px;padding-bottom:30px;font-size:1.08rem}
.prose h2{font-size:1.6rem;margin-top:1.8em}
.prose p,.prose li{color:#2A3343}
.prose li{margin:.35rem 0}
.prose q{font-family:var(--serif);font-style:italic;color:var(--navy)}
.figure-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:1.4rem 0 .4rem}
.figure-row div{background:var(--cream);border-top:3px solid var(--gold);padding:14px 10px;text-align:center}
.figure-row .num{display:block;font-family:var(--serif);font-size:1.5rem;color:var(--navy)}
.figure-row span:not(.num){font-size:.8rem;color:var(--muted)}
.sources{margin-top:2.4rem;padding:20px 22px;background:var(--cream);border-left:3px solid var(--gold)}
.sources h2{font-size:1.1rem;margin:0 0 .6rem}
.sources ul{margin:0;padding-left:1.1rem;font-size:.92rem}
.edu-note{font-size:.86rem;color:var(--muted);border-top:1px solid var(--line);padding-top:1rem;margin-top:1.8rem}
.next{display:flex;flex-direction:column;gap:.3rem;margin:2rem 0 1rem;padding:18px 0;border-top:1px solid var(--line)}
.next span{font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.next a{font-family:var(--serif);font-size:1.3rem;text-decoration:none}
/* tools */
.tool{display:grid;gap:24px}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc label{display:flex;flex-direction:column;font-size:.84rem;font-weight:600;color:var(--navy);gap:6px}
.calc input{min-height:48px;padding:.6rem .8rem;font-size:1.05rem;border:1px solid #C9CFDA;border-radius:2px;background:#fff;color:var(--ink);width:100%;font-family:var(--sans)}
.calc input:focus{border-color:var(--gold)}
.results{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.res{background:var(--navy);color:#fff;padding:16px;border-radius:2px}
.res:first-child{grid-column:1/-1}
.res .lbl{display:block;font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold2)}
.res .num{display:block;font-family:var(--serif);font-size:2.2rem;line-height:1.2;overflow-wrap:anywhere}
.res .num.sm{font-size:1.4rem}
.chart{display:flex;align-items:flex-end;gap:3px;height:220px;padding:12px;border:1px solid var(--line);background:#fff}
.chart .bar{flex:1;display:flex;flex-direction:column-reverse;min-width:2px;align-self:stretch;height:100%}
.chart .bar i{display:block}
.chart .bar .in{background:var(--navy)}
.chart .bar .gr{background:var(--gold)}
.legend{font-size:.82rem;color:var(--muted);margin:0;display:flex;align-items:center;gap:.4rem;flex-wrap:wrap}
.sw{display:inline-block;width:12px;height:12px;margin-left:.6rem}
.sw:first-child{margin-left:0}
.sw-in{background:var(--navy)}.sw-gr{background:var(--gold)}
@media(min-width:900px){.tool{grid-template-columns:1fr 1fr;column-gap:48px}.tool-intro{grid-column:1/-1}.chart,.legend{grid-column:1/-1}.calc{align-content:start}}
/* contact */
.contact-grid{display:grid;gap:16px;margin-bottom:10px}
@media(min-width:700px){.contact-grid{grid-template-columns:1fr 1fr}}
.contact-card{display:block;padding:26px;border:1px solid var(--line);border-top:3px solid var(--gold);text-decoration:none}
.contact-card .lbl{display:block;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:600}
.contact-card .val{display:block;font-family:var(--serif);font-size:1.5rem;color:var(--navy);overflow-wrap:anywhere}
/* footer */
.site-footer{background:#071528;color:#B5C0D2;padding:52px 0 30px;font-size:.92rem}
.site-footer .brand,.site-footer .wordmark{color:#fff}
.site-footer .brand .mark{color:#fff}
.footer-grid{display:grid;gap:28px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.1)}
@media(min-width:760px){.footer-grid{grid-template-columns:2fr 1fr 1fr}}
.foot-tag{font-family:var(--serif);font-style:italic;color:var(--gold2);margin:.6rem 0 0}
.foot-h{font-family:var(--sans);font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold2);margin:0 0 .7rem;font-weight:600}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:.4rem 0}
.site-footer a{color:#DDE3EC;text-decoration:none}
.site-footer a:hover{color:var(--gold2)}
.disclaimer{font-size:.8rem;line-height:1.55;color:#93A1B8;margin:24px 0 10px;max-width:860px}
.copy{font-size:.78rem;color:#6E7C93;margin:0}

.nl-inner>*{min-width:0}.nl-row input{min-width:0;width:100%}