:root{--navy:#071b2b;--navy2:#102f43;--teal:#0d6f72;--teal2:#65b7ad;--mist:#eef5f3;--paper:#fbfaf6;--ink:#142833;--muted:#586a72;--copper:#b56f45;--line:#ccdbd8;--serif:Georgia,"Times New Roman",serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);line-height:1.7}body.modal-open{overflow:hidden}a{color:inherit;text-decoration-color:var(--teal2);text-underline-offset:.22em}img{display:block;max-width:100%}button{font:inherit}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}.narrow{width:min(760px,100%);margin-inline:auto}.skip-link{position:fixed;left:16px;top:-80px;z-index:100;padding:10px 16px;background:white}.skip-link:focus{top:12px}.risk-strip{background:#03131f;color:#dbece8;text-align:center;font-size:.78rem;letter-spacing:.02em;padding:8px 20px}.site-header{position:relative;z-index:20;background:rgba(251,250,246,.96);border-bottom:1px solid var(--line)}.nav-wrap{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-weight:750}.brand-mark{display:grid;place-items:center;width:38px;height:38px;background:var(--navy);color:white;border-radius:50%;font-size:.68rem;letter-spacing:.1em}.site-header nav{display:flex;gap:28px}.site-header nav a{text-decoration:none;font-size:.9rem;font-weight:650}.nav-toggle{display:none;background:none;border:1px solid var(--line);padding:8px 12px}.hero{min-height:620px;display:grid;align-items:center;background:linear-gradient(130deg,var(--paper) 63%,var(--mist) 63%)}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:7vw;align-items:center}.eyebrow{display:block;color:var(--teal);font-size:.76rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;margin-bottom:16px}h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.08;margin:0 0 20px}h1{font-size:clamp(3rem,6vw,5.5rem);letter-spacing:-.04em}.hero p,.page-hero p,.article-hero .lede{font-size:1.18rem;max-width:680px;color:var(--muted)}.button{display:inline-flex;justify-content:center;align-items:center;background:var(--teal);color:white;border:0;border-radius:2px;padding:13px 20px;font-weight:750;text-decoration:none;cursor:pointer}.button:hover{background:var(--navy2)}.button.secondary{background:white;color:var(--ink);border:1px solid var(--line)}.hero-cta{margin:14px 0 22px}.independence-note{border-left:3px solid var(--copper);padding:8px 0 8px 16px;color:var(--muted);font-size:.85rem;max-width:580px}.hero-art{position:relative}.hero-art img{filter:drop-shadow(0 20px 40px rgba(7,27,43,.14))}.data-card{position:absolute;right:0;bottom:10%;background:white;padding:16px 20px;border:1px solid var(--line);box-shadow:0 16px 30px rgba(7,27,43,.1)}.data-card span{display:block;color:var(--muted);font-size:.72rem;text-transform:uppercase;letter-spacing:.1em}.section{padding:100px 0}.section h2{font-size:clamp(2.1rem,4vw,3.4rem)}.tinted{background:var(--mist)}.dark{background:var(--navy);color:white}.dark .eyebrow{color:var(--teal2)}.intro-grid,.audience-grid,.split{display:grid;grid-template-columns:1fr 1fr;gap:9vw;align-items:center}.intro-grid>p,.audience-grid p{font-size:1.12rem;color:var(--muted)}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:56px}.card-grid article{background:white;border:1px solid var(--line);padding:28px}.card-grid article>span,.section-no{color:var(--copper);font-size:.75rem;font-weight:800;letter-spacing:.12em}.card-grid h3{font-size:1.55rem;margin-top:32px}.section-head{display:flex;justify-content:space-between;gap:20px;align-items:end}.market-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:44px}.market-grid a{background:var(--paper);padding:28px;text-decoration:none}.market-grid b,.market-grid span{display:block}.market-grid b{font-family:var(--serif);font-size:1.4rem}.market-grid span{color:var(--muted);font-size:.85rem}.format-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#335063;margin-top:40px}.format-grid div{background:var(--navy2);padding:28px}.format-grid strong{font-family:var(--serif);font-size:1.4rem}.format-grid p,.format-note{color:#b8cfca}.mini-cards{display:flex;flex-wrap:wrap;gap:8px}.mini-cards span{background:var(--mist);padding:8px 12px;font-size:.85rem}.page-hero,.article-hero{padding:90px 0;background:linear-gradient(135deg,var(--navy),var(--navy2));color:white}.page-hero h1,.article-hero h1{font-size:clamp(3rem,6vw,5rem)}.page-hero p,.article-hero .lede{color:#c9d9d6}.article-hero .independence-note{color:#c9d9d6}.index-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.index-card{border:1px solid var(--line);background:white;padding:28px;text-decoration:none}.index-card>span{color:var(--copper);font-size:.76rem}.index-card h2{font-size:1.8rem;margin-top:24px}.index-card p{color:var(--muted)}.index-card b{color:var(--teal);font-size:.84rem}.article-layout{display:grid;grid-template-columns:240px minmax(0,760px);gap:80px;justify-content:center;padding:80px 0 110px}.reading-rail{position:sticky;top:25px;align-self:start;border-top:2px solid var(--teal);padding-top:18px;font-size:.78rem}.reading-rail ol{padding-left:20px}.reading-rail li{margin:8px 0}.reading-rail a{text-decoration:none;color:var(--muted)}.prose h2{font-size:2.05rem;margin-top:12px}.prose>section{padding:28px 0;border-bottom:1px solid var(--line)}.prose p{font-size:1.02rem}.standalone{max-width:800px}.standalone h2{margin-top:48px}.table-wrap{overflow-x:auto;margin:28px 0}table{width:100%;border-collapse:collapse;font-size:.86rem;background:white}caption{text-align:left;font-weight:750;padding:10px 0}th,td{padding:12px;text-align:left;vertical-align:top;border:1px solid var(--line)}th{background:var(--mist)}.formula{background:var(--navy);color:white;padding:22px;margin:28px 0}.formula code{display:block;color:#9bd1c7;margin:10px 0}.checklist{list-style:none;padding:0}.checklist li{padding:10px 10px 10px 32px;border-bottom:1px solid var(--line);position:relative}.checklist li:before{content:"✓";position:absolute;left:4px;color:var(--teal)}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font-family:var(--serif);font-size:1.2rem}details p{color:var(--muted)}.next-reading{display:grid;gap:8px;background:var(--mist);padding:24px;margin-top:36px}.next-reading span{font-size:.73rem;text-transform:uppercase;letter-spacing:.12em}.draft-warning{background:#fff4e7;border:2px solid var(--copper);padding:20px;margin:24px 0}.sitemap-list ul{columns:3;list-style:none;padding:0}.sitemap-list li{margin:8px 0}.site-footer{background:#041621;color:#d7e6e3;padding:70px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:60px}.footer-grid h2{font:700 .75rem var(--sans);text-transform:uppercase;letter-spacing:.14em;color:var(--teal2)}.footer-grid a{display:block;margin:8px 0;color:#d7e6e3}.brand-footer{font-family:var(--serif);font-size:1.8rem}.footer-disclaimer{margin-top:40px;padding:20px;border:1px solid #335063;color:#b8cfca;font-size:.82rem}.footer-base{display:flex;justify-content:space-between;margin-top:24px;color:#8ca49f;font-size:.78rem}.text-button{background:none;border:0;color:inherit;text-decoration:underline;cursor:pointer}.risk-modal{position:fixed;inset:0;z-index:1000;display:grid;place-items:center;padding:20px;background:rgba(2,13,22,.82);backdrop-filter:blur(12px)}.risk-modal[hidden],.cookie-banner[hidden]{display:none}.modal-card{width:min(600px,100%);background:var(--paper);padding:clamp(26px,5vw,48px);box-shadow:0 30px 80px #000}.modal-card h2{font-size:2.3rem}.cookie-banner{position:fixed;z-index:900;left:20px;right:20px;bottom:20px;display:flex;justify-content:space-between;gap:30px;align-items:center;background:white;border:1px solid var(--line);box-shadow:0 15px 50px rgba(0,0,0,.2);padding:20px}.cookie-banner p{margin:4px 0;max-width:700px;font-size:.82rem}.cookie-actions{display:flex;gap:10px;align-items:center;flex-shrink:0;font-size:.82rem}:focus-visible{outline:3px solid #e59b63;outline-offset:3px}.risk-calculator{background:white;border:1px solid var(--line);padding:clamp(20px,4vw,32px);margin-top:28px}.calculator-fields{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.calculator-fields label{font-weight:700;font-size:.86rem}.calculator-fields input{display:block;width:100%;margin-top:7px;padding:11px 12px;border:1px solid var(--line);background:var(--paper);color:var(--ink);font:inherit}.calculator-results{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:22px}.calculator-results p{display:grid;gap:4px;margin:0;padding:18px;background:var(--mist)}.calculator-results span{color:var(--muted);font-size:.78rem}.calculator-results strong{font-family:var(--serif);font-size:1.55rem}.calculator-error{color:#8a2f20;font-weight:700}.calculator-formula{color:var(--muted);font-size:.82rem}
.preview-note{display:flex;align-items:center;gap:10px;margin:0 0 34px;padding:12px 16px;border:1px solid var(--line);border-left:3px solid var(--copper);background:rgba(238,245,243,.55);color:var(--muted);font-size:.83rem}.preview-note:before{content:"";width:7px;height:7px;flex:0 0 auto;border-radius:50%;background:var(--copper)}.policy-meta{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:28px;color:#c9d9d6;font-size:.82rem}.policy-meta span{display:flex;gap:7px}.policy-meta strong{color:white}.policy-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:30px 0}.policy-card{padding:26px;border:1px solid var(--line);background:white}.policy-card h2,.policy-card h3{font-size:1.42rem;margin-bottom:10px}.policy-card p{margin:0;color:var(--muted)}.callout{margin:28px 0;padding:24px;border-left:4px solid var(--teal);background:var(--mist)}.callout.caution{border-color:var(--copper);background:#fff7ed}.callout h2,.callout h3{font-size:1.35rem;margin-bottom:8px}.callout p:last-child{margin-bottom:0}.status-list{display:grid;gap:0;margin:24px 0;border-top:1px solid var(--line)}.status-row{display:grid;grid-template-columns:170px 1fr;gap:24px;padding:18px 0;border-bottom:1px solid var(--line)}.status-row strong{font-family:var(--serif);font-size:1.08rem}.timeline{list-style:none;padding:0;margin:30px 0;counter-reset:steps}.timeline li{position:relative;padding:0 0 28px 44px;counter-increment:steps}.timeline li:before{content:counter(steps);position:absolute;left:0;top:0;display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--teal);color:white;font-weight:800;font-size:.75rem}.timeline li:not(:last-child):after{content:"";position:absolute;left:13px;top:31px;bottom:4px;width:1px;background:var(--line)}.timeline strong{display:block}.profile-card{display:grid;grid-template-columns:110px 1fr;gap:28px;align-items:center;padding:30px;background:var(--navy);color:white;margin:28px 0}.profile-mark{display:grid;place-items:center;aspect-ratio:1;border:1px solid #456375;border-radius:50%;font:500 2rem var(--serif);color:var(--teal2)}.profile-card h2{margin:0 0 8px}.profile-card p{margin:0;color:#c9d9d6}.link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:30px 0}.link-group{padding:26px;border-top:3px solid var(--teal);background:white;box-shadow:0 8px 25px rgba(7,27,43,.06)}.link-group h2{font-size:1.4rem}.link-group a{display:block;margin:9px 0}.faq-group{margin:46px 0}.faq-group>h2{padding-bottom:14px;border-bottom:2px solid var(--teal)}.plain-button{padding:10px 14px;border:1px solid var(--line);background:white;color:var(--ink);cursor:pointer}.prose table{line-height:1.5}.prose thead th{background:var(--navy);color:white}.prose tbody tr:nth-child(even){background:#f5f8f6}.prose code{font-size:.9em;background:var(--mist);padding:.12em .35em}.policy-kicker{font-size:.86rem;color:var(--muted);margin:-8px 0 30px}.draft-warning{background:var(--mist);border:1px solid var(--line);border-left:3px solid var(--copper);color:var(--muted)}
@media(max-width:800px){.wrap{width:min(100% - 28px,1180px)}.site-header nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--paper);padding:20px;flex-direction:column;border-bottom:1px solid var(--line)}.site-header nav.open{display:flex}.nav-toggle{display:block}.hero{padding:70px 0;background:var(--paper)}.hero-grid,.intro-grid,.audience-grid,.split{grid-template-columns:1fr}.hero-art{margin-top:20px}.card-grid,.market-grid,.format-grid,.index-grid,.calculator-fields,.calculator-results,.policy-grid,.link-grid{grid-template-columns:1fr}.article-layout{grid-template-columns:1fr;padding-top:45px}.reading-rail{position:static}.section{padding:70px 0}.footer-grid{grid-template-columns:1fr;gap:24px}.cookie-banner{display:block}.cookie-actions{margin-top:14px;flex-wrap:wrap}.sitemap-list ul{columns:1}.section-head{display:block}.status-row,.profile-card{grid-template-columns:1fr}.profile-mark{width:86px}h1{font-size:3rem}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}