:root {
  --night: #172227;
  --night-2: #22333a;
  --cream: #f3efe6;
  --paper: #fbfaf6;
  --white: #fff;
  --blue: #2e6474;
  --blue-soft: #d9e7e8;
  --gold: #d7a84d;
  --gold-soft: #f4e7c8;
  --coral: #bd5b4f;
  --text: #202a2d;
  --soft: #667075;
  --rule: #d8d5cb;
  --serif: Georgia, "Times New Roman", serif;
  --sans: Arial, Helvetica, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font-family: var(--sans);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
button { cursor: pointer; }
h1, h2, h3, p { margin-top: 0; }
.shell { width: min(1180px, calc(100% - 48px)); margin-inline: auto; }

.sponsor-ribbon {
  background: var(--night);
  color: rgba(255,255,255,.78);
  padding: 8px 20px;
  text-align: center;
  font-size: .72rem;
  letter-spacing: .025em;
}
.sponsor-ribbon span {
  border: 1px solid rgba(255,255,255,.35);
  border-radius: 2px;
  color: var(--white);
  display: inline-block;
  font-weight: 700;
  margin-right: 8px;
  padding: 0 6px;
  text-transform: uppercase;
}

.masthead {
  background: rgba(251,250,246,.94);
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 100;
}
.masthead__row { align-items: center; display: flex; height: 74px; justify-content: space-between; }
.wordmark { align-items: center; display: inline-flex; font-size: 1.3rem; font-weight: 700; gap: 9px; letter-spacing: -.035em; }
.wordmark__sign { background: var(--blue); border-radius: 50%; fill: var(--white); height: 34px; padding: 7px; width: 34px; }
.desktop-menu { align-items: center; display: flex; gap: 30px; }
.desktop-menu a { color: #3e4b50; font-size: .86rem; font-weight: 600; }
.desktop-menu a:hover { color: var(--blue); }
.desktop-menu .menu-action { background: var(--night); color: var(--white); padding: 10px 18px; }
.menu-toggle {
  background: transparent;
  border: 0;
  display: none;
  height: 40px;
  padding: 10px;
  width: 44px;
}
.menu-toggle i { background: var(--night); display: block; height: 2px; margin: 6px 0; transition: transform .2s; width: 24px; }
.menu-toggle[aria-expanded="true"] i:first-child { transform: translateY(4px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] i:last-child { transform: translateY(-4px) rotate(-45deg); }
.drawer-menu { background: var(--paper); display: none; inset: 74px 0 auto; padding: 24px; position: fixed; }
.drawer-menu a { border-bottom: 1px solid var(--rule); display: block; font-weight: 600; padding: 14px 0; }
.drawer-menu.is-visible { display: block; }

.opening {
  background:
    linear-gradient(90deg, rgba(216,213,203,.3) 1px, transparent 1px) center/90px 100%,
    var(--cream);
  border-bottom: 1px solid var(--rule);
  overflow: hidden;
  padding: 86px 0 0;
}
.opening__layout { align-items: center; display: grid; gap: 72px; grid-template-columns: 1.05fr .95fr; }
.eyebrow, .chapter {
  color: var(--blue);
  display: inline-flex;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.eyebrow { align-items: center; gap: 9px; margin-bottom: 22px; }
.eyebrow span { background: var(--coral); border-radius: 50%; height: 8px; width: 8px; }
.opening h1 {
  font-family: var(--serif);
  font-size: clamp(3rem, 5.3vw, 5.1rem);
  font-weight: 600;
  letter-spacing: -.045em;
  line-height: .98;
  margin-bottom: 26px;
}
.opening h1 em { color: var(--blue); font-style: italic; }
.opening__lead { color: #526066; font-size: 1.08rem; max-width: 650px; }
.opening__actions { align-items: center; display: flex; flex-wrap: wrap; gap: 26px; margin-top: 30px; }
.action {
  align-items: center;
  display: inline-flex;
  font-size: .9rem;
  font-weight: 700;
  justify-content: center;
  min-height: 52px;
  padding: 12px 24px;
}
.action--dark { background: var(--night); color: var(--white); box-shadow: 6px 6px 0 var(--gold); }
.action--dark:hover { box-shadow: 3px 3px 0 var(--gold); transform: translate(3px,3px); }
.text-link { border-bottom: 1px solid var(--text); font-size: .9rem; font-weight: 700; padding-bottom: 3px; }
.text-link span { color: var(--coral); margin-left: 5px; }
.assurance-list { display: flex; flex-wrap: wrap; gap: 22px; list-style: none; margin: 24px 0 0; padding: 0; }
.assurance-list li { color: var(--soft); font-size: .76rem; }
.assurance-list li::before { color: var(--blue); content: "✓"; font-weight: 700; margin-right: 6px; }

.opening__visual {
  background: var(--white);
  border: 1px solid #d2cec3;
  box-shadow: 18px 20px 0 rgba(46,100,116,.13);
  margin: 0;
  padding: 10px 10px 42px;
  position: relative;
  transform: rotate(1.2deg);
}
.opening__visual::before { background: var(--gold); content: ""; height: 7px; left: 10px; position: absolute; right: 10px; top: 10px; z-index: 1; }
.opening__visual img { aspect-ratio: 3 / 2; display: block; object-fit: cover; width: 100%; }
.opening__visual figcaption { bottom: 11px; color: var(--soft); font-size: .72rem; left: 14px; position: absolute; }
.opening__visual-note { align-items: center; background: var(--gold-soft); bottom: -35px; box-shadow: 4px 6px 12px rgba(23,34,39,.1); display: flex; gap: 14px; padding: 16px; position: absolute; right: -22px; transform: rotate(-3deg); width: 76%; }
.opening__visual-note > span { color: var(--coral); font-family: var(--serif); font-size: 1.5rem; }
.opening__visual-note p { font-size: .72rem; line-height: 1.4; margin: 0; }
.credibility { border-top: 1px solid rgba(112,109,100,.25); display: flex; justify-content: space-between; margin-top: 100px; padding: 22px 0; }
.credibility span { color: var(--soft); font-size: .75rem; text-transform: uppercase; }
.credibility b { color: var(--coral); margin-right: 7px; }

.editor-note { padding: 104px 0; }
.editor-note__grid { display: grid; gap: 90px; grid-template-columns: .9fr 1.1fr; }
.editor-note h2, .section-title h2, .guide h2, .request h2, .answers h2 {
  font-family: var(--serif);
  font-size: clamp(2.2rem, 3.8vw, 3.7rem);
  font-weight: 600;
  letter-spacing: -.035em;
  line-height: 1.08;
  margin: 16px 0 0;
}
.prose { border-left: 1px solid var(--rule); color: #536065; font-size: 1.02rem; padding-left: 40px; }
.prose p:last-child { margin-bottom: 0; }
.orientation-visual { margin-top: clamp(32px,4.5vw,52px); position: relative; }
.orientation-visual img { display: block; height: clamp(180px,30vw,370px); object-fit: cover; object-position: center 52%; width: 100%; }
.orientation-visual figcaption { background: rgba(251,250,246,.96); border-left: 4px solid var(--gold); bottom: 24px; box-shadow: 0 8px 24px rgba(23,34,39,.12); color: var(--soft); font-family: var(--serif); font-size: 1rem; line-height: 1.45; max-width: 390px; padding: 20px 22px; position: absolute; right: 24px; }
.orientation-visual figcaption span { color: var(--coral); display: block; font-family: var(--sans); font-size: .68rem; font-weight: 700; letter-spacing: .08em; margin-bottom: 8px; text-transform: uppercase; }

.question-band { background: var(--night); color: var(--white); padding: 92px 0; }
.section-title { margin: 0 auto 45px; max-width: 760px; text-align: center; }
.section-title .chapter { color: var(--gold); }
.section-title h2 { font-size: clamp(2rem, 3.4vw, 3.25rem); }
.question-cards { counter-reset: questions; display: grid; gap: 1px; grid-template-columns: repeat(3,1fr); list-style: none; margin: 0; padding: 0; }
.question-cards li { background: var(--night-2); min-height: 220px; padding: 30px; }
.question-cards li > span { color: var(--gold); font-family: var(--serif); font-size: 2rem; }
.question-cards p { font-family: var(--serif); font-size: 1.35rem; line-height: 1.35; margin: 32px 0 0; }

.guide { padding: 112px 0; }
.guide__layout { align-items: start; display: grid; gap: 90px; grid-template-columns: .85fr 1.15fr; }
.guide__intro { position: sticky; top: 115px; }
.guide__intro p { color: var(--soft); margin: 24px 0; max-width: 430px; }
.guide__list article { border-top: 1px solid var(--rule); display: grid; gap: 28px; grid-template-columns: 52px 1fr; padding: 30px 0; }
.guide__list article:last-child { border-bottom: 1px solid var(--rule); }
.guide__list article > span { color: var(--coral); font-family: var(--serif); font-size: 1.3rem; }
.guide__list h3 { font-family: var(--serif); font-size: 1.45rem; margin-bottom: 8px; }
.guide__list p { color: var(--soft); font-size: .94rem; margin: 0; }

.decision { background: var(--cream); border-block: 1px solid var(--rule); padding: 100px 0; }
.section-title--left { margin-left: 0; text-align: left; }
.decision__grid { display: grid; gap: 20px; grid-template-columns: repeat(3,1fr); }
.decision__grid article { background: var(--paper); border: 1px solid var(--rule); min-height: 270px; padding: 30px; }
.decision__mark { align-items: center; background: var(--blue-soft); border-radius: 50%; color: var(--blue); display: flex; font-family: var(--serif); font-size: 1.25rem; height: 46px; justify-content: center; width: 46px; }
.decision__grid h3 { font-family: var(--serif); font-size: 1.4rem; margin: 42px 0 10px; }
.decision__grid p { color: var(--soft); font-size: .9rem; margin: 0; }

.request { background: var(--blue); padding: 110px 0; }
.request__frame { align-items: center; display: grid; gap: 70px; grid-template-columns: .85fr 1.15fr; }
.request__message { color: var(--white); }
.chapter--light { color: var(--gold-soft); }
.request__message h2 { margin-bottom: 24px; }
.request__message > p { color: rgba(255,255,255,.75); max-width: 450px; }
.request__facts { border-top: 1px solid rgba(255,255,255,.25); display: flex; gap: 44px; margin-top: 38px; padding-top: 25px; }
.request__facts b, .request__facts span { display: block; }
.request__facts b { color: var(--gold-soft); font-family: var(--serif); font-size: 1.55rem; }
.request__facts span { color: rgba(255,255,255,.66); font-size: .72rem; }
.request__card { background: var(--white); box-shadow: 12px 12px 0 rgba(23,34,39,.28); padding: 38px; }
.request__card form > label, .form-split label { display: block; font-size: .78rem; font-weight: 700; margin-bottom: 18px; }
.request__card label > span { color: var(--soft); font-weight: 400; }
.request__card input:not([type="checkbox"]), .request__card select {
  background: #f8f7f2;
  border: 0;
  border-bottom: 2px solid #c9c7bf;
  border-radius: 0;
  color: var(--text);
  display: block;
  margin-top: 6px;
  outline: none;
  padding: 13px 12px;
  width: 100%;
}
.request__card input:focus, .request__card select:focus { border-bottom-color: var(--blue); }
.form-split { display: grid; gap: 16px; grid-template-columns: 1fr 1fr; }
.request__card .choice { align-items: flex-start; display: flex; gap: 10px; margin: 17px 0; }
.choice input { flex: 0 0 auto; height: 18px; margin: 3px 0 0; width: 18px; }
.choice span { font-size: .76rem; line-height: 1.45; }
.choice a { color: var(--blue); font-weight: 700; text-decoration: underline; }
.input-error { color: var(--coral); display: none; font-size: .7rem; font-weight: 500; margin-top: 5px; }
.submit-guide { background: var(--night); border: 0; color: var(--white); display: flex; font-size: .9rem; font-weight: 700; justify-content: space-between; margin-top: 20px; padding: 16px 18px; width: 100%; }
.submit-guide:disabled { cursor: wait; opacity: .65; }
.form-footnote { color: var(--soft); font-size: .68rem; margin: 12px 0 0; text-align: center; }
.request__success { display: none; padding: 50px 15px; text-align: center; }
.request__success > span { align-items: center; background: var(--blue-soft); border-radius: 50%; color: var(--blue); display: flex; font-size: 1.5rem; height: 60px; justify-content: center; margin: 0 auto 20px; width: 60px; }
.request__success h3 { font-family: var(--serif); font-size: 1.6rem; }
.request__success p { color: var(--soft); font-size: .9rem; margin-bottom: 0; }

.answers { padding: 110px 0; }
.answers__layout { display: grid; gap: 90px; grid-template-columns: .8fr 1.2fr; }
.accordion__item { border-top: 1px solid var(--rule); }
.accordion__item:last-child { border-bottom: 1px solid var(--rule); }
.accordion__item button { align-items: center; background: transparent; border: 0; color: var(--text); display: flex; font-weight: 700; justify-content: space-between; padding: 22px 0; text-align: left; width: 100%; }
.accordion__item button span { color: var(--coral); font-size: 1.35rem; transition: transform .2s; }
.accordion__item.is-open button span { transform: rotate(45deg); }
.accordion__panel { color: var(--soft); display: none; font-size: .9rem; padding: 0 35px 22px 0; }
.accordion__panel p { margin: 0; }
.accordion__panel a { color: var(--blue); text-decoration: underline; }
.accordion__item.is-open .accordion__panel { display: block; }

.page-footer { background: var(--night); color: rgba(255,255,255,.7); padding: 70px 0 0; }
.wordmark--light { color: var(--white); }
.wordmark--light .wordmark__sign { background: var(--gold); fill: var(--night); }
.page-footer__top { display: grid; gap: 70px; grid-template-columns: 1.2fr .8fr; padding-bottom: 50px; }
.page-footer__top > div:first-child p { font-size: .8rem; margin: 20px 0 0; max-width: 420px; }
.page-footer__links { display: grid; gap: 30px; grid-template-columns: 1fr 1.3fr; }
.page-footer__links b { color: var(--white); display: block; font-size: .75rem; margin-bottom: 13px; text-transform: uppercase; }
.page-footer__links a { display: block; font-size: .8rem; padding: 4px 0; }
.page-footer__links a:hover { color: var(--white); }
.page-footer__notice { border-block: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.5); font-size: .7rem; line-height: 1.65; padding: 24px 0; }
.page-footer__base { color: rgba(255,255,255,.4); font-size: .72rem; padding: 22px 0; text-align: center; }

.privacy-banner {
  background: var(--white);
  border-top: 1px solid var(--rule);
  bottom: 0;
  box-shadow: 0 -10px 30px rgba(23,34,39,.1);
  display: none;
  left: 0;
  padding: 17px 0;
  position: fixed;
  right: 0;
  z-index: 500;
}
.privacy-banner__row { align-items: center; display: flex; gap: 28px; justify-content: space-between; }
.privacy-banner p { color: var(--soft); font-size: .78rem; margin: 0; max-width: 760px; }
.privacy-banner a { color: var(--blue); text-decoration: underline; }
.privacy-banner__row > div { display: flex; flex-shrink: 0; gap: 9px; }
.privacy-banner button { border: 1px solid var(--night); font-size: .76rem; font-weight: 700; padding: 10px 16px; }
.privacy-decline { background: var(--white); color: var(--night); }
.privacy-accept { background: var(--night); color: var(--white); }

.legal-shell { min-height: 70vh; padding: 80px 0 100px; }
.legal-shell__article { margin-left: max(0px, calc((100% - 820px) / 2)); max-width: 820px; }
.legal-shell h1 { font-family: var(--serif); font-size: clamp(2.6rem, 5vw, 4.5rem); font-weight: 600; letter-spacing: -.04em; margin-bottom: 10px; }
.legal-shell__meta { border-bottom: 1px solid var(--rule); color: var(--soft); font-size: .8rem; margin-bottom: 45px; padding-bottom: 25px; }
.legal-shell h2 { font-family: var(--serif); font-size: 1.4rem; margin: 38px 0 10px; }
.legal-shell p, .legal-shell li { color: #4f5b60; font-size: .92rem; }
.legal-shell a { color: var(--blue); text-decoration: underline; }
.legal-shell table { border-collapse: collapse; margin: 20px 0; width: 100%; }
.legal-shell th, .legal-shell td { border: 1px solid var(--rule); font-size: .82rem; padding: 12px; text-align: left; vertical-align: top; }

@media (max-width: 900px) {
  .desktop-menu { display: none; }
  .menu-toggle { display: block; }
  .opening { padding-top: 55px; }
  .opening__layout, .editor-note__grid, .guide__layout, .request__frame, .answers__layout { gap: 55px; grid-template-columns: 1fr; }
  .opening__visual { margin: 0 auto; max-width: 560px; width: calc(100% - 20px); }
  .credibility { gap: 15px; margin-top: 80px; }
  .prose { border-left: 0; border-top: 1px solid var(--rule); padding: 28px 0 0; }
  .orientation-visual figcaption { bottom: 18px; max-width: 340px; right: 18px; }
  .guide__intro { position: static; }
  .question-cards, .decision__grid { grid-template-columns: 1fr; }
  .question-cards li { min-height: auto; }
  .request__message { max-width: 650px; }
  .page-footer__top { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
  .shell { width: min(100% - 32px, 1180px); }
  .sponsor-ribbon { font-size: .62rem; }
  .masthead__row { height: 64px; }
  .drawer-menu { top: 64px; }
  .opening h1 { font-size: 2.65rem; }
  .opening__actions { align-items: flex-start; flex-direction: column; }
  .opening__visual-note { right: -8px; width: 82%; }
  .orientation-visual img { object-position: center; }
  .orientation-visual figcaption { border-left: 0; border-top: 3px solid var(--gold); box-shadow: none; font-size: .9rem; max-width: none; padding: 14px 0 0; position: static; }
  .credibility { align-items: flex-start; flex-direction: column; }
  .editor-note, .guide, .decision, .request, .answers, .question-band { padding: 72px 0; }
  .question-cards p { margin-top: 18px; }
  .form-split { grid-template-columns: 1fr; }
  .request__card { padding: 25px 20px; }
  .request__facts { gap: 25px; }
  .page-footer__links { grid-template-columns: 1fr 1fr; }
  .privacy-banner__row { align-items: stretch; flex-direction: column; gap: 12px; }
  .privacy-banner__row > div { justify-content: flex-end; }
  .privacy-banner button { flex: 1; }
  .legal-shell { padding: 55px 0 75px; }
  .legal-shell table { display: block; overflow-x: auto; }
}