:root{--navy:#0b1c3a;--navy-deep:#071228;--navy-soft:#12294f;--gold:#e09900;--gold-bright:#f5b32b;--blue:#1273c4;--cream:#faf7f1;--paper:#fff;--ink:#1b2540;--muted:#5b6478;--line:#e8e2d6;--radius:18px;--shadow:0 10px 40px rgba(11,28,58,.10);--shadow-lg:0 24px 70px rgba(11,28,58,.18)}
*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;line-height:1.15;color:var(--navy)}
img{max-width:100%;display:block}a{color:inherit;text-decoration:none}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
section{padding:76px 0}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.78rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.eyebrow::before{content:"";width:34px;height:2px;background:var(--gold)}
.section-title{font-size:clamp(1.7rem,3.2vw,2.4rem);font-weight:600;margin-bottom:14px}
.section-lede{font-size:1.05rem;color:var(--muted);max-width:640px}
.btn{display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:.98rem;padding:15px 30px;border-radius:999px;transition:.25s;cursor:pointer;border:2px solid transparent}
.btn-gold{background:linear-gradient(135deg,var(--gold-bright),var(--gold));color:var(--navy-deep);box-shadow:0 8px 24px rgba(224,153,0,.35)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(224,153,0,.45)}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-soft)}
header{position:sticky;top:0;z-index:100;background:rgba(7,18,40,.95);backdrop-filter:blur(14px);padding:12px 0;box-shadow:0 6px 30px rgba(0,0,0,.2)}
.nav{display:flex;align-items:center;justify-content:space-between}
.logo{font-family:'Fraunces',serif;font-weight:700;font-size:1.15rem;color:#fff;display:flex;align-items:center;gap:10px}
.logo .mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--gold-bright),var(--gold));display:grid;place-items:center;color:var(--navy-deep);font-size:.95rem}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none}
.nav-links a{color:rgba(255,255,255,.85);font-size:.9rem;font-weight:500}
.nav-links a:hover{color:var(--gold-bright)}
.nav-cta{background:linear-gradient(135deg,var(--gold-bright),var(--gold));color:var(--navy-deep)!important;font-weight:700;padding:9px 20px;border-radius:999px}
@media(max-width:840px){.nav-links li:not(:last-child){display:none}}
.hero{background:radial-gradient(900px 500px at 80% -10%,#1e3a6e 0%,transparent 55%),linear-gradient(160deg,var(--navy-deep),var(--navy) 70%);color:#fff;padding:90px 0 70px}
.hero .eyebrow{color:var(--gold-bright)}
.hero h1{color:#fff;font-size:clamp(2rem,4.4vw,3.2rem);font-weight:600;margin-bottom:18px;max-width:820px}
.hero p.lede{font-size:1.1rem;color:rgba(255,255,255,.82);max-width:660px;margin-bottom:32px}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap}
.hero-meta{display:flex;gap:34px;flex-wrap:wrap;margin-top:44px;padding-top:28px;border-top:1px solid rgba(255,255,255,.15)}
.hero-meta div b{display:block;color:var(--gold-bright);font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:4px}
.hero-meta div span{font-size:.95rem;color:rgba(255,255,255,.9)}
.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:36px}
.check{display:flex;gap:14px;align-items:flex-start;background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.check .tick{width:26px;height:26px;flex-shrink:0;border-radius:8px;background:#e9f6ee;color:#1d9d55;display:grid;place-items:center;font-weight:800;font-size:.85rem;margin-top:2px}
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px}
.mini-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px}
.mini-card h3{font-size:1.08rem;margin-bottom:8px}
.mini-card p{color:var(--muted);font-size:.92rem}
.mini-card .ic{width:46px;height:46px;border-radius:13px;background:linear-gradient(135deg,#fff2d9,#ffe6b3);display:grid;place-items:center;font-size:1.25rem;margin-bottom:16px}
.problem{background:var(--paper)}
.cred{background:linear-gradient(150deg,var(--navy-deep),var(--navy-soft));color:#fff;border-radius:26px;padding:46px 50px;display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:center}
.cred img{width:150px;height:150px;object-fit:cover;object-position:top;border-radius:50%;border:3px solid var(--gold)}
.cred h3{color:#fff;font-size:1.4rem;margin-bottom:10px}
.cred p{color:rgba(255,255,255,.8);font-size:.98rem}
.quote{background:var(--paper);border-left:4px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0;padding:30px 34px;margin-top:36px;box-shadow:var(--shadow)}
.quote p{font-family:'Fraunces',serif;font-style:italic;font-size:1.12rem;color:var(--navy);margin-bottom:14px}
.quote b{font-size:.9rem}.quote span{display:block;font-size:.82rem;color:var(--muted)}
details{background:var(--paper);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden}
details summary{padding:20px 24px;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;color:var(--navy)}
details summary::after{content:"+";font-size:1.3rem;color:var(--gold)}
details[open] summary::after{content:"−"}
details div{padding:0 24px 20px;color:var(--muted);font-size:.95rem}
.invest{background:var(--paper)}
.form-card{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:40px;box-shadow:var(--shadow);max-width:720px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.82rem;font-weight:600;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:12px 15px;border:1.5px solid var(--line);border-radius:12px;font-family:inherit;font-size:.95rem;background:var(--cream);color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);background:#fff;box-shadow:0 0 0 4px rgba(224,153,0,.12)}
.hidden{display:none}
.lead-capture{margin-top:50px;background:linear-gradient(135deg,#fff7e6,#fff);border:1.5px dashed var(--gold);border-radius:20px;padding:30px 34px;display:flex;align-items:center;gap:24px;flex-wrap:wrap;justify-content:space-between}
.lead-capture h3{font-size:1.15rem;margin-bottom:6px}
.lead-capture p{color:var(--muted);font-size:.92rem;max-width:480px}
footer{background:var(--navy-deep);color:rgba(255,255,255,.65);padding:44px 0;font-size:.85rem}
.foot{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;align-items:center}
.foot a{color:rgba(255,255,255,.85)}.foot a:hover{color:var(--gold-bright)}
.crumb{font-size:.82rem;color:rgba(255,255,255,.6);margin-bottom:22px}
.crumb a:hover{color:var(--gold-bright)}
@media(max-width:840px){.check-grid,.cards-3,.form-row{grid-template-columns:1fr}.cred{grid-template-columns:1fr;text-align:center}.cred img{margin:0 auto}}
/* quiz */
.quiz-box{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:42px;box-shadow:var(--shadow);max-width:760px;margin:0 auto}
.qq{display:none}.qq.active{display:block}
.qq h3{font-size:1.25rem;margin-bottom:20px}
.opt{display:block;width:100%;text-align:left;background:var(--cream);border:1.5px solid var(--line);border-radius:14px;padding:16px 20px;margin-bottom:12px;font-family:inherit;font-size:.97rem;cursor:pointer;transition:.2s;color:var(--ink)}
.opt:hover{border-color:var(--gold);background:#fff7e6}
.progress{height:8px;background:var(--line);border-radius:99px;margin-bottom:30px;overflow:hidden}
.progress i{display:block;height:100%;background:linear-gradient(90deg,var(--gold-bright),var(--gold));border-radius:99px;transition:width .3s}
.result{display:none}
.result .badge{display:inline-block;background:linear-gradient(135deg,var(--gold-bright),var(--gold));color:var(--navy-deep);font-weight:700;padding:8px 20px;border-radius:999px;font-size:.85rem;margin-bottom:18px}
.result h3{font-size:1.5rem;margin-bottom:12px}
.result p{color:var(--muted);margin-bottom:12px}
.article{max-width:760px}
.article p{margin-bottom:18px;font-size:1.02rem;color:#333c52}
.article h2{font-size:1.5rem;margin:34px 0 14px}
.article .cta-inline{background:#fff7e6;border-left:4px solid var(--gold);padding:22px 26px;border-radius:0 14px 14px 0;margin:30px 0}
.insight-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
.insight-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:32px 30px;transition:.3s;display:flex;flex-direction:column}
.insight-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--gold)}
.insight-card .cat{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.insight-card h3{font-size:1.25rem;margin-bottom:10px}
.insight-card p{color:var(--muted);font-size:.93rem;flex:1}
.insight-card .link{margin-top:16px;font-weight:700;font-size:.9rem;color:var(--blue)}
@media(max-width:840px){.insight-grid{grid-template-columns:1fr}}