:root {
  --red: #B40101;
  --red-dark: #8C0000;
  --ink: #1A1A1A;
  --body: #333333;
  --muted: #6B6B6B;
  --light: #F5F4F2;
  --paper: #FFFFFF;
  --border: #E5E5E5;
  --steel: #2B2F33;
  --ok: #1E6B3A;
  --radius: 3px;
  --serif: 'Playfair Display', Georgia, serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--sans); color: var(--body); line-height: 1.65; background: var(--paper); -webkit-font-smoothing: antialiased; }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink); line-height: 1.2; letter-spacing: -0.01em; }
a { color: var(--red); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 760px; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 12px; top: 12px; background: #fff; padding: 8px 12px; z-index: 100; }

/* nav */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.97); backdrop-filter: blur(8px); border-bottom: 1px solid var(--border); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 24px; max-width: 1180px; margin: 0 auto; gap: 16px; }
.brand { font-weight: 800; letter-spacing: .04em; color: var(--ink); font-size: 15px; text-transform: uppercase; white-space: nowrap; }
.brand span { color: var(--red); }
.brand:hover { text-decoration: none; }
.nav-links { display: flex; gap: 22px; align-items: center; }
.nav-links a { color: var(--ink); font-size: 14px; font-weight: 500; }
.nav-links a.active { color: var(--red); }
.nav-cta { background: var(--red); color: #fff !important; padding: 9px 16px; border-radius: var(--radius); font-weight: 600 !important; }
.nav-cta:hover { background: var(--red-dark); text-decoration: none; }
.nav-toggle { display: none; background: none; border: 1px solid var(--border); border-radius: var(--radius); padding: 8px 10px; font: inherit; font-size: 13px; font-weight: 600; cursor: pointer; }
@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .nav-links { display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; padding: 12px 24px 20px; border-bottom: 1px solid var(--border); gap: 4px; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 10px 0; font-size: 16px; }
  .nav-cta { text-align: center; margin-top: 8px; }
}

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 22px; border-radius: var(--radius); font-weight: 600; font-size: 15px; border: 1.5px solid transparent; cursor: pointer; font-family: var(--sans); transition: background .15s, color .15s; }
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--red); color: #fff; }
.btn-primary:hover { background: var(--red-dark); }
.btn-outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-outline:hover { background: var(--ink); color: #fff; }
.btn-light { background: #fff; color: var(--ink); }
.btn-block { width: 100%; }
.cta-row { display: flex; gap: 12px; flex-wrap: wrap; }

/* hero */
.eyebrow { display: inline-block; font-size: 12px; font-weight: 700; color: var(--red); letter-spacing: .18em; text-transform: uppercase; margin-bottom: 18px; padding-left: 32px; position: relative; }
.eyebrow::before { content: ""; position: absolute; left: 0; top: 50%; width: 22px; height: 2px; background: var(--red); }
.hero { padding: 72px 0 80px; background: linear-gradient(180deg, #FAFAF9 0%, #fff 100%); border-bottom: 1px solid var(--border); }
.hero h1 { font-size: clamp(36px, 5vw, 58px); margin-bottom: 18px; letter-spacing: -0.02em; }
.hero h1 em { color: var(--red); font-style: normal; }
.hero .lede { font-size: 19px; color: var(--muted); max-width: 600px; margin-bottom: 28px; }
.hero-grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 860px) { .hero { padding: 44px 0 56px; } .hero-grid { grid-template-columns: 1fr; gap: 36px; } }
.page-hero { padding: 56px 0 44px; background: var(--light); border-bottom: 1px solid var(--border); }
.page-hero h1 { font-size: clamp(32px, 4.4vw, 48px); margin-bottom: 14px; }
.page-hero .lede { font-size: 18px; color: var(--muted); max-width: 720px; }
.crumbs { font-size: 13px; color: var(--muted); margin-bottom: 14px; }
.crumbs a { color: var(--muted); }

/* path cards */
.paths { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
@media (max-width: 860px) { .paths { grid-template-columns: 1fr; } }
.path { display: block; background: #fff; border: 1px solid var(--border); border-top: 3px solid var(--red); border-radius: var(--radius); padding: 22px; color: var(--body); transition: box-shadow .15s, transform .15s; }
.path:hover { text-decoration: none; box-shadow: 0 16px 32px -18px rgba(0,0,0,.25); transform: translateY(-2px); }
.path .k { font-size: 11px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--red); }
.path h3 { font-size: 22px; margin: 6px 0 8px; }
.path p { font-size: 15px; color: var(--muted); }
.path .go { display: inline-block; margin-top: 12px; font-weight: 600; color: var(--ink); font-size: 14px; }

/* sections */
section.block { padding: 72px 0; }
section.alt { background: var(--light); }
section.dark { background: var(--steel); color: #E8E8E8; }
section.dark h2, section.dark h3 { color: #fff; }
.section-head { max-width: 720px; margin-bottom: 36px; }
.section-head h2 { font-size: clamp(28px, 3.4vw, 40px); margin-bottom: 12px; }
.section-head p { color: var(--muted); font-size: 17px; }
section.dark .section-head p { color: #BDBDBD; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
@media (max-width: 860px) { .grid-2, .grid-3 { grid-template-columns: 1fr; } .grid-4 { grid-template-columns: 1fr 1fr; } }
.card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 22px; }
.card h3 { font-size: 19px; margin-bottom: 8px; }
.card p { font-size: 15px; color: var(--muted); }
.ticks { list-style: none; }
.ticks li { padding: 6px 0 6px 26px; position: relative; }
.ticks li::before { content: ""; position: absolute; left: 2px; top: 15px; width: 12px; height: 2px; background: var(--red); }

/* stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
@media (max-width: 720px) { .stats { grid-template-columns: 1fr 1fr; } }
.stat { background: #fff; padding: 20px; }
.stat .n { font-family: var(--serif); font-size: 30px; font-weight: 800; color: var(--ink); line-height: 1.1; }
.stat .l { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-top: 6px; }
.asof { font-size: 12px; color: var(--muted); margin-top: 10px; }
table.data { width: 100%; border-collapse: collapse; font-size: 15px; background: #fff; }
table.data th, table.data td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--border); vertical-align: top; }
table.data th { font-size: 12px; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 700; background: var(--light); }
.table-wrap { overflow-x: auto; }

/* forms */
.lead-box { background: #fff; border: 1px solid var(--border); border-top: 4px solid var(--red); border-radius: var(--radius); padding: 26px; box-shadow: 0 24px 48px -28px rgba(0,0,0,.28); }
.lead-box h3 { font-size: 22px; margin-bottom: 6px; }
.lead-box .sub { font-size: 14px; color: var(--muted); margin-bottom: 18px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }
label { display: block; font-size: 13px; font-weight: 600; color: var(--ink); margin-bottom: 5px; }
input, select, textarea { width: 100%; font: inherit; font-size: 16px; padding: 11px 12px; border: 1px solid #CFCFCF; border-radius: var(--radius); background: #fff; color: var(--ink); }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--red); outline-offset: 0; border-color: var(--red); }
textarea { min-height: 96px; resize: vertical; }
.hp { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.fine { font-size: 12px; color: var(--muted); margin-top: 10px; }
.form-msg { display: none; margin-top: 12px; padding: 12px 14px; border-radius: var(--radius); font-size: 15px; }
.form-msg.ok { display: block; background: #EAF5EE; color: var(--ok); border: 1px solid #BFDFCB; }
.form-msg.err { display: block; background: #FBECEC; color: var(--red-dark); border: 1px solid #F0C4C4; }
.inline-form { display: flex; gap: 8px; flex-wrap: wrap; }
.inline-form input { flex: 1 1 220px; }

/* estimator */
.est-out { margin-top: 16px; padding: 18px; background: var(--light); border-left: 4px solid var(--red); border-radius: var(--radius); display: none; }
.est-out.show { display: block; }
.est-out .range { font-family: var(--serif); font-size: 30px; font-weight: 800; color: var(--ink); }

/* article */
.article { padding: 48px 0 72px; }
.article-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 56px; align-items: start; }
@media (max-width: 960px) { .article-grid { grid-template-columns: minmax(0, 1fr); } }
.article-grid > * { min-width: 0; }
.article-meta { font-size: 14px; color: var(--muted); margin-top: 10px; }
.answer-box { background: var(--light); border-left: 4px solid var(--red); padding: 18px 20px; border-radius: var(--radius); margin: 0 0 28px; font-size: 17px; color: var(--ink); }
.answer-box strong { display: block; font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--red); margin-bottom: 6px; }
.prose { font-size: 17.5px; color: #2A2A2A; }
.prose > * + * { margin-top: 1.05em; }
.prose h2 { font-size: 28px; margin-top: 1.8em; }
.prose h3 { font-size: 21px; margin-top: 1.5em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li + li { margin-top: .35em; }
.prose blockquote { border-left: 3px solid var(--red); padding-left: 16px; color: var(--muted); }
.prose table { width: 100%; border-collapse: collapse; font-size: 15px; display: block; overflow-x: auto; }
.prose th, .prose td { border-bottom: 1px solid var(--border); padding: 8px 10px; text-align: left; }
.prose th { background: var(--light); }
.prose a { text-decoration: underline; }
.sidebar { position: sticky; top: 84px; display: grid; gap: 16px; }
@media (max-width: 960px) { .sidebar { position: static; } }
.author { display: flex; gap: 14px; align-items: center; margin-top: 36px; padding-top: 24px; border-top: 1px solid var(--border); }
.author img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; }
.author p { font-size: 14px; color: var(--muted); }
.tag { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--red); }

/* post list */
.posts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 960px) { .posts { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .posts { grid-template-columns: 1fr; } }
.post { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 22px; color: var(--body); }
.post:hover { text-decoration: none; border-color: #BDBDBD; }
.post h3 { font-size: 19px; margin: 8px 0; color: var(--ink); }
.post p { font-size: 14.5px; color: var(--muted); flex: 1; }
.post .date { font-size: 12px; color: var(--muted); margin-top: 12px; }
.filters { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 24px; }
.filters button { font: inherit; font-size: 13px; font-weight: 600; padding: 7px 14px; border-radius: 99px; border: 1px solid var(--border); background: #fff; cursor: pointer; color: var(--ink); }
.filters button.on { background: var(--ink); color: #fff; border-color: var(--ink); }

/* faq */
.faq details { border-bottom: 1px solid var(--border); padding: 16px 0; }
.faq summary { cursor: pointer; font-weight: 600; color: var(--ink); font-size: 17px; list-style: none; position: relative; padding-right: 28px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: -2px; font-size: 22px; color: var(--red); }
.faq details[open] summary::after { content: "–"; }
.faq details > div { margin-top: 10px; color: var(--body); }

/* band + footer */
.band { background: var(--red); color: #fff; padding: 44px 0; }
.band h2 { color: #fff; font-size: clamp(24px, 3vw, 34px); }
.band p { color: #FBDADA; }
.band-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
footer.site { background: #111; color: #A8A8A8; padding: 56px 0 32px; font-size: 14px; }
footer.site h4 { color: #fff; font-family: var(--sans); font-size: 12px; letter-spacing: .16em; text-transform: uppercase; margin-bottom: 12px; }
footer.site a { color: #D9D9D9; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 860px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
footer.site ul { list-style: none; }
footer.site li { padding: 3px 0; }
.legal { border-top: 1px solid #2A2A2A; margin-top: 36px; padding-top: 20px; font-size: 12px; color: #7A7A7A; }
.sticky-call { display: none; }
@media (max-width: 720px) {
  .sticky-call { display: flex; position: fixed; bottom: 0; left: 0; right: 0; z-index: 60; background: #fff; border-top: 1px solid var(--border); padding: 10px 12px; gap: 8px; }
  .sticky-call a { flex: 1; padding: 12px; font-size: 15px; }
  body { padding-bottom: 72px; }
}
.photo { aspect-ratio: 4/5; border-radius: var(--radius); overflow: hidden; box-shadow: 0 30px 60px -24px rgba(0,0,0,.25); background: var(--light); position: relative; }
.photo img { width: 100%; height: 100%; object-fit: cover; }
.photo .badge { position: absolute; left: 16px; bottom: 16px; background: rgba(255,255,255,.96); padding: 10px 14px; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--ink); border-left: 3px solid var(--red); }
.pill-row { display: flex; flex-wrap: wrap; gap: 8px; }
.pill { font-size: 13px; padding: 6px 12px; border: 1px solid var(--border); border-radius: 99px; color: var(--ink); background: #fff; }
.pill:hover { border-color: var(--red); text-decoration: none; }
.note { font-size: 13px; color: var(--muted); }