/* Layout: navy bands for statements, paper bands for detail, a tool bench in the middle where clients run their own numbers. */
:root{
  --paper:#f7f6f2; --paper-2:#eceae2; --ink:#14203a; --ink-soft:#4a5468;
  --navy:#0f1d3d; --navy-2:#1a2b52; --on-navy:#f3efe3; --on-navy-soft:#b9bfd0;
  --gold:#c99a2e; --gold-ink:#7a5a12; --line:#d8d4c7;
  --good:#2f6b4f; --good-bg:#dcebe2; --warn:#8a5a00; --warn-bg:#f6e6bf; --bad:#a3322a; --bad-bg:#f5d9d5;
  --s1:#0f1d3d; --s2:#c99a2e; --s3:#5b7bb5; --s4:#8fa0bf; --s5:#2f6b4f;
  --f-display:"Young Serif", Georgia, "Times New Roman", serif;
  --f-body:"Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-mono:"IBM Plex Mono", ui-monospace, Menlo, monospace;
  color-scheme:light;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --paper:#0e1526; --paper-2:#141d33; --ink:#ebe8df; --ink-soft:#a7aec0;
  --navy:#08101f; --navy-2:#111b33; --on-navy:#f3efe3; --on-navy-soft:#a9b0c4;
  --gold:#ddb24c; --gold-ink:#e7c46e; --line:#29334d;
  --good:#7fd0a6; --good-bg:#16352a; --warn:#f0c66b; --warn-bg:#3a2e12; --bad:#f39a90; --bad-bg:#3d1c1a;
  --s1:#c9d3ea; --s2:#ddb24c; --s3:#7f9fd8; --s4:#56688e; --s5:#7fd0a6; color-scheme:dark}}
:root[data-theme="dark"]{
  --paper:#0e1526; --paper-2:#141d33; --ink:#ebe8df; --ink-soft:#a7aec0;
  --navy:#08101f; --navy-2:#111b33; --on-navy:#f3efe3; --on-navy-soft:#a9b0c4;
  --gold:#ddb24c; --gold-ink:#e7c46e; --line:#29334d;
  --good:#7fd0a6; --good-bg:#16352a; --warn:#f0c66b; --warn-bg:#3a2e12; --bad:#f39a90; --bad-bg:#3d1c1a;
  --s1:#c9d3ea; --s2:#ddb24c; --s3:#7f9fd8; --s4:#56688e; --s5:#7fd0a6; color-scheme:dark}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--paper);color:var(--ink);font:400 1rem/1.6 var(--f-body)}
a{color:inherit}
h1,h2,h3{font-family:var(--f-display);font-weight:400;line-height:1.12;text-wrap:balance;margin:0}
h2{font-size:clamp(1.7rem,3.6vw,2.5rem)}
h3{font-size:1.2rem}
p{margin:0;max-width:65ch}
.wrap{max-width:1120px;margin:0 auto;padding-inline:20px}
.band{padding-block:clamp(56px,8vw,96px)}
.band.navy{background:var(--navy);color:var(--on-navy)}
.band.tint{background:var(--paper-2)}
.eyebrow{font:500 .75rem/1.2 var(--f-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.navy .eyebrow,.hero .eyebrow{color:var(--gold)}
.lead{font-size:1.125rem;color:var(--ink-soft)}
.navy .lead{color:var(--on-navy-soft)}
.stack{display:grid;gap:16px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:4px;font:600 1rem/1 var(--f-body);text-decoration:none;border:1.5px solid transparent;cursor:pointer}
.btn-gold{background:var(--gold);color:#14203a}
.btn-gold:hover{filter:brightness(1.07)}
.btn-line{border-color:currentColor;background:transparent;color:inherit}
.btn-line:hover{background:color-mix(in srgb,currentColor 8%,transparent)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.num{font-variant-numeric:tabular-nums}

.announce{background:var(--gold);color:#14203a;font-size:.9rem;padding-block:9px}
.announce .wrap{display:flex;flex-wrap:wrap;gap:6px 14px;justify-content:center}
.announce a{font-weight:700}
header.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--navy);color:var(--on-navy);border-bottom:1px solid color-mix(in srgb,var(--gold) 35%,transparent)}
header.nav .wrap{display:flex;align-items:center;gap:20px;padding-block:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--f-display);font-size:1.2rem}
.brand .mark{width:30px;height:30px;border:1.5px solid var(--gold);display:grid;place-items:center;font-size:.95rem;color:var(--gold);transform:rotate(45deg)}
.brand .mark span{transform:rotate(-45deg)}
.brand .logo{height:40px;width:auto;display:block}
.photo{position:relative;margin:0;padding:0 12px 12px 0}
.photo::before{content:"";position:absolute;inset:12px 0 0 12px;border:1.5px solid var(--gold);border-radius:6px}
.photo .ph{position:relative;border-radius:6px;overflow:hidden;background:#0f1d3d}
.photo .shot{display:block;width:100%;height:auto;max-width:100%}
.photo .ph::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,29,61,0) 45%,rgba(15,29,61,.88) 100%)}
.photo .badge{position:absolute;top:14px;left:14px;z-index:1;display:flex;align-items:center;gap:8px;background:rgba(15,29,61,.82);color:#f3efe3;padding:7px 12px 7px 9px;border-radius:3px;font:500 .7rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase}
.photo .badge img{height:22px;width:auto;display:block}
.photo figcaption{position:absolute;left:0;right:12px;bottom:12px;z-index:1;padding:clamp(16px,3vw,28px);color:#f3efe3;display:grid;gap:4px}
.photo figcaption b{font-family:var(--f-display);font-weight:400;font-size:clamp(1.15rem,2.4vw,1.6rem);line-height:1.2;text-wrap:balance}
.photo figcaption span{font-size:.88rem;color:#d9c79b}

.navlinks{display:flex;gap:22px;margin-left:auto;font-size:.95rem}
.navlinks a{text-decoration:none;color:var(--on-navy-soft)}
.navlinks a:hover{color:var(--on-navy)}
header .btn{padding:10px 16px;font-size:.92rem}
@media (max-width:860px){.navlinks{display:none} header .btn{margin-left:auto}}

.hero{background:var(--navy);color:var(--on-navy);padding-block:clamp(48px,8vw,96px) 0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.3fr .8fr;gap:48px;align-items:end}
.hero h1{font-size:clamp(2.3rem,5.8vw,4.1rem)}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .sub{font-size:1.15rem;color:var(--on-navy-soft);margin-top:20px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.glance{margin:0;background:var(--paper);color:var(--ink);border-radius:6px 6px 0 0;padding:26px 26px 30px;font-size:.92rem;position:relative}
.glance::before{content:"";position:absolute;inset:10px;border:1px dashed var(--line);border-radius:3px;pointer-events:none}
.glance .row{display:flex;justify-content:space-between;gap:12px;padding-block:9px;border-bottom:1px solid var(--line);position:relative}
.glance .row:last-child{border-bottom:0}
.glance dt{color:var(--ink-soft)}
.glance dd{margin:0;font-weight:600;text-align:right}
.glance .ttl{font:500 .72rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:10px;position:relative}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}}
.pillars{background:var(--navy-2);color:var(--on-navy-soft);border-top:1px solid color-mix(in srgb,var(--gold) 40%,transparent);font:500 .8rem/1 var(--f-mono);letter-spacing:.12em;text-transform:uppercase}
.pillars .wrap{display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:center;padding-block:18px}
.pillars span::before{content:"◆";color:var(--gold);margin-right:10px;font-size:.6rem;vertical-align:2px}

/* audiences */
.aud{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:40px;border:1px solid var(--line);border-radius:6px;overflow:hidden;background:var(--paper)}
.aud > div{padding:clamp(22px,3.5vw,36px);display:grid;gap:16px;align-content:start}
.aud > div + div{border-left:1px solid var(--line)}
.aud .tag{font:500 .72rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.svc{list-style:none;margin:0;padding:0;display:grid;gap:0;border-top:1px solid var(--line)}
.svc li{padding:12px 0;border-bottom:1px solid var(--line);display:grid;gap:2px}
.svc li b{font-weight:600}
.svc li span{color:var(--ink-soft);font-size:.92rem}
@media (max-width:820px){.aud{grid-template-columns:1fr}.aud > div + div{border-left:0;border-top:1px solid var(--line)}}

/* self check */
.check{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:start;margin-top:36px}
.qlist{list-style:none;margin:0;padding:0;counter-reset:q;border-top:1px solid color-mix(in srgb,var(--on-navy) 14%,transparent)}
.qlist li{border-bottom:1px solid color-mix(in srgb,var(--on-navy) 14%,transparent)}
.qlist label{display:grid;grid-template-columns:34px 1fr auto;gap:14px;align-items:center;padding:13px 0;cursor:pointer}
.qlist label::before{counter-increment:q;content:counter(q);font-family:var(--f-display);color:var(--gold);font-size:1.15rem;text-align:center}
.qlist input{width:20px;height:20px;accent-color:var(--gold)}
.qlist .yes{font:500 .7rem/1 var(--f-mono);letter-spacing:.1em;text-transform:uppercase;color:var(--on-navy-soft)}
.score{background:var(--paper);color:var(--ink);border-radius:6px;padding:28px;display:grid;gap:14px;position:sticky;top:90px}
.score .big{font-family:var(--f-display);font-size:3.4rem;line-height:1}
.score .big small{font-size:1.2rem;color:var(--ink-soft)}
.meter{height:10px;border-radius:5px;background:var(--paper-2);overflow:hidden}
.meter i{display:block;height:100%;background:var(--gold);width:0;transition:width .3s}
@media (max-width:860px){.check{grid-template-columns:1fr}.score{position:static}}

/* tools */
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-top:32px;border-bottom:1px solid var(--line)}
.tab{font:600 .98rem/1 var(--f-body);background:none;border:0;border-bottom:3px solid transparent;padding:14px 6px;margin-right:18px;color:var(--ink-soft);cursor:pointer}
.tab[aria-selected="true"]{color:var(--ink);border-bottom-color:var(--gold)}
.panel{padding-top:32px}
.tool{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:36px;align-items:start}
@media (max-width:900px){.tool{grid-template-columns:1fr}}
.inputs{background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:22px;display:grid;gap:14px}
.inputs .hint{font-size:.82rem;color:var(--ink-soft);background:var(--paper-2);padding:8px 10px;border-radius:4px}
.inputs h4{margin:6px 0 0;font:500 .72rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:480px){.two{grid-template-columns:1fr}}
label.f{display:grid;gap:5px;font-weight:600;font-size:.88rem;min-width:0}
label.f small{font-weight:400;color:var(--ink-soft)}
.money{position:relative}
.money::before{content:"$";position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--ink-soft);font-size:.95rem}
.money input{padding-left:24px}
input,select{font:inherit;font-weight:400;padding:10px 11px;border:1px solid var(--line);border-radius:4px;background:var(--paper);color:var(--ink);width:100%;font-variant-numeric:tabular-nums}
.out{display:grid;gap:20px}
.headline{border:1.5px solid var(--gold);border-radius:6px;padding:22px;display:grid;gap:6px;background:var(--paper)}
.headline .k{font:500 .72rem/1 var(--f-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.headline .v{font-family:var(--f-display);font-size:clamp(2.2rem,5vw,3.2rem);line-height:1.05}
.headline p{color:var(--ink-soft)}
.pill{display:inline-flex;align-items:center;gap:6px;font:600 .82rem/1 var(--f-body);padding:6px 10px;border-radius:999px;justify-self:start}
.pill.good{background:var(--good-bg);color:var(--good)}
.pill.warn{background:var(--warn-bg);color:var(--warn)}
.pill.bad{background:var(--bad-bg);color:var(--bad)}
.rows{border-top:1px solid var(--line)}
.rows div{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.rows div span:first-child{color:var(--ink-soft)}
.rows div b{font-weight:600;font-variant-numeric:tabular-nums;text-align:right}
.rows div.tot{font-size:1.02rem}
.rows div.tot span:first-child{color:var(--ink);font-weight:600}
.bar{display:flex;height:34px;border-radius:4px;overflow:hidden;background:var(--paper-2);position:relative}
.bar i{display:block;height:100%;min-width:0}
.legend{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.84rem;color:var(--ink-soft);margin-top:10px}
.legend span{display:inline-flex;align-items:center;gap:6px}
.legend span::before{content:"";width:11px;height:11px;border-radius:2px;background:var(--c)}
.barwrap{position:relative;padding-top:26px}
.marker{position:absolute;top:0;bottom:0;width:0;border-left:2px dashed var(--ink)}
.marker span{position:absolute;top:0;left:6px;white-space:nowrap;font:500 .72rem/1 var(--f-mono);color:var(--ink)}
.marker.flip span{left:auto;right:6px}
.fine{font-size:.82rem;color:var(--ink-soft)}
.house{width:100%;max-width:440px;height:auto;display:block}
.house text{font-family:var(--f-body)}
.floors{display:grid;gap:10px}
.floor{display:grid;grid-template-columns:1fr auto;gap:4px 12px;padding:12px 14px;border:1px solid var(--line);border-radius:6px;background:var(--paper);border-left:5px solid var(--st)}
.floor b{font-weight:600}
.floor .pill{grid-column:2;grid-row:1}
.floor p{grid-column:1/-1;font-size:.88rem;color:var(--ink-soft)}
.radio-row{display:flex;flex-wrap:wrap;gap:8px}
.radio-row label{display:inline-flex;align-items:center;gap:6px;font-weight:500;font-size:.88rem;border:1px solid var(--line);border-radius:999px;padding:7px 12px;cursor:pointer}
.radio-row input{width:auto;accent-color:var(--gold)}

/* about + contact */
.about{display:grid;grid-template-columns:.7fr 1.3fr;gap:48px;align-items:center}
@media (max-width:820px){.about{grid-template-columns:1fr}}
.about blockquote{margin:0;font-family:var(--f-display);font-size:clamp(1.3rem,2.6vw,1.75rem);line-height:1.35}
.contact{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
@media (max-width:820px){.contact{grid-template-columns:1fr}}
.ccard{background:var(--paper);color:var(--ink);border-radius:6px;padding:28px;display:grid;gap:14px}
.ccard .ph{font-family:var(--f-display);font-size:1.9rem}
.sel{user-select:all;font-weight:600}
.careers{display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between;border:1px solid var(--line);border-radius:6px;padding:clamp(22px,3.5vw,36px);background:var(--paper)}
footer{background:var(--navy);color:var(--on-navy-soft);font-size:.85rem;padding-block:48px}
footer .top{display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between;align-items:center;padding-bottom:28px;border-bottom:1px solid color-mix(in srgb,var(--on-navy) 14%,transparent);color:var(--on-navy)}
footer .legal{display:grid;gap:10px;margin-top:24px;max-width:85ch}

.posts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:36px}
@media (max-width:760px){.posts{grid-template-columns:1fr}}
.post{background:var(--paper);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:6px;padding:24px;display:grid;gap:10px;align-content:start}
.post p{color:var(--ink-soft)}
.cat{font:500 .72rem/1.2 var(--f-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.readbtn{justify-self:start;background:none;border:0;padding:4px 0;font:600 .95rem/1 var(--f-body);color:var(--ink);border-bottom:1.5px solid var(--gold);cursor:pointer;margin-top:4px}
.reader{width:min(720px,calc(100vw - 32px));max-height:calc(100vh - 48px);border:0;border-radius:8px;padding:clamp(22px,4vw,40px);background:var(--paper);color:var(--ink)}
.reader::backdrop{background:rgba(8,16,31,.65)}
.reader h2{font-size:clamp(1.5rem,3.4vw,2.1rem);margin:12px 0 18px}
.reader h3{font-family:var(--f-body);font-weight:700;font-size:1.02rem;margin:22px 0 6px}
.reader p{margin:0 0 12px;line-height:1.7}
.rtop{display:flex;justify-content:space-between;align-items:center;gap:12px}
.rclose{background:none;border:1px solid var(--line);border-radius:50%;width:36px;height:36px;font-size:1.3rem;line-height:1;color:var(--ink);cursor:pointer}
.rnote{font-size:.85rem;color:var(--ink-soft);border-left:3px solid var(--gold);padding-left:12px}
.ractions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}

/* article pages */
.crumbs{font-size:.88rem;color:var(--on-navy-soft)}
.crumbs a{color:var(--gold);text-decoration:none}
.arthead{background:var(--navy);color:var(--on-navy);padding-block:clamp(40px,7vw,80px)}
.arthead .wrap{max-width:820px;display:grid;gap:16px}
.arthead h1{font-size:clamp(2rem,4.8vw,3.2rem)}
.arthead .dek{font-size:1.15rem;color:var(--on-navy-soft)}
.arthead .meta{font:500 .75rem/1.4 var(--f-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.artbody{max-width:720px;margin:0 auto;padding-block:clamp(36px,6vw,64px)}
.artbody p{margin:0 0 16px;line-height:1.75;font-size:1.06rem;max-width:none}
.artbody h2{font-size:clamp(1.3rem,2.6vw,1.6rem);margin:34px 0 10px}
.artbody .rnote{font-size:.9rem;color:var(--ink-soft);border-left:3px solid var(--gold);padding-left:14px;margin-top:24px}
.cta{margin-top:36px;background:var(--navy);color:var(--on-navy);border-radius:6px;padding:clamp(22px,4vw,34px);display:grid;gap:12px}
.cta h2{margin:0;font-size:1.5rem}
.cta p{color:var(--on-navy-soft);margin:0}
.cta .row{display:flex;flex-wrap:wrap;gap:12px;margin-top:6px}
.related{border-top:1px solid var(--line);padding-block:clamp(36px,6vw,56px)}
.related .posts{margin-top:20px}
a.readbtn{text-decoration:none}
.post h3 a{text-decoration:none}
.post h3 a:hover{text-decoration:underline;text-decoration-color:var(--gold)}