:root{
  --bg:#F7F6F2; --surface:#FFFFFF; --ink:#0E1A2B; --soft:#4F5B6B; --faint:#8A93A0;
  --line:#DDE2E8; --gold:#B8862F; --celeste:#5B9BD1; --celeste-soft:#E6F0F9;
  --deep:#0E1A2B; --on-deep:#EEF2F6; --deep-soft:#9FB1C6; --sun:#E0B15C;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0B1420; --surface:#111D2C; --ink:#E9EEF4; --soft:#A9B6C6; --faint:#7C8A9B;
    --line:#22324A; --gold:#E0B15C; --celeste:#8EC0EA; --celeste-soft:#15263B;
    --deep:#101F33; --on-deep:#EEF2F6; --deep-soft:#9FB1C6;
  }
}
:root[data-theme="dark"]{
  --bg:#0B1420; --surface:#111D2C; --ink:#E9EEF4; --soft:#A9B6C6; --faint:#7C8A9B;
  --line:#22324A; --gold:#E0B15C; --celeste:#8EC0EA; --celeste-soft:#15263B;
  --deep:#101F33; --on-deep:#EEF2F6; --deep-soft:#9FB1C6;
}
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth;scroll-padding-top:calc(env(safe-area-inset-top,0px) + 76px)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.72 "Instrument Sans",system-ui,-apple-system,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}
a{color:inherit}
:focus-visible{outline:2px solid var(--gold);outline-offset:4px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:"Newsreader",Georgia,"Times New Roman",serif;font-weight:400;margin:0;line-height:1.08;letter-spacing:-.01em}
h2{font-size:clamp(34px,4.8vw,54px)}
h3{font-size:24px;font-weight:500}
p{margin:0 0 14px;max-width:62ch}
.soft{color:var(--soft)} .small{font-size:14px;color:var(--faint)}

header{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:70px}
.mark{display:flex;align-items:center;gap:12px;text-decoration:none}
.mark .sun-mark{width:36px;height:36px;color:var(--gold);flex:none}
.mark-t{display:flex;flex-direction:column;line-height:1.1}
.mark-t b{font-family:"Newsreader",serif;font-weight:500;font-size:19px;letter-spacing:.2em}
.mark-t span{font-size:11.5px;letter-spacing:.08em;color:var(--soft)}
nav{display:flex;align-items:center;gap:24px;font-size:14px}
nav a{text-decoration:none;color:var(--soft)} nav a:hover{color:var(--ink)}
.link-cta{color:var(--ink)!important;border-bottom:1px solid var(--gold);padding-bottom:2px}
@media (max-width:860px){nav .hide-m{display:none}}

/* hero */
.hero{background:var(--deep);color:var(--on-deep);position:relative;overflow:hidden}
.hero .wrap{position:relative;padding-top:clamp(70px,11vw,150px);padding-bottom:clamp(64px,9vw,120px)}
.hero .kicker{font-size:13px;letter-spacing:.1em;color:var(--sun);margin-bottom:26px}
.hero h1{font-size:clamp(46px,8.2vw,104px);max-width:12.5ch}
.hero h1 em{color:var(--sun)}
.hero .lede{margin-top:28px;font-size:clamp(17px,2vw,20px);color:var(--deep-soft);max-width:52ch}
.hero .actions{margin-top:40px;display:flex;flex-wrap:wrap;gap:26px;align-items:center}
.hero .sunbig{position:absolute;right:-120px;top:50%;transform:translateY(-50%);width:min(64vw,640px);color:var(--sun);opacity:.55;pointer-events:none}
@media (max-width:760px){.hero .sunbig{right:-200px;opacity:.25}}
.stripe{height:6px;background:linear-gradient(90deg,var(--celeste) 0 33.3%,#fff 33.3% 66.6%,var(--celeste) 66.6%)}
.btn{display:inline-block;text-decoration:none;font:inherit;font-weight:500;font-size:15px;padding:15px 28px;border:1px solid var(--ink);background:var(--ink);color:var(--bg);cursor:pointer;transition:background .2s,color .2s}
.btn:hover{background:transparent;color:var(--ink)}
.hero .btn{background:var(--sun);border-color:var(--sun);color:#0E1A2B}
.hero .btn:hover{background:transparent;color:var(--sun)}
.quiet{font-size:15px;text-decoration:none;color:inherit;border-bottom:1px solid currentColor;padding-bottom:2px;opacity:.8}
.quiet:hover{opacity:1}

.creds{border-bottom:1px solid var(--line);background:var(--surface)}
.creds .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.cred{padding:28px 22px 26px 0}
.cred + .cred{padding-left:24px;border-left:1px solid var(--line)}
.cred .n{font-family:"Newsreader",serif;font-size:42px;line-height:1}
.cred .l{font-size:14px;color:var(--soft);margin-top:8px}
@media (max-width:760px){.creds .wrap{grid-template-columns:1fr 1fr}.cred:nth-child(3){padding-left:0;border-left:0}.cred:nth-child(n+3){border-top:1px solid var(--line)}}

section{padding:clamp(72px,10vw,124px) 0}
section + section{border-top:1px solid var(--line)}
.memo{display:grid;grid-template-columns:190px 1fr;gap:32px}
.memo .num{font-family:"Newsreader",serif;font-size:20px;color:var(--gold);padding-top:10px}
.memo .num span{display:block;font-family:"Instrument Sans",sans-serif;font-size:12px;letter-spacing:.08em;color:var(--faint);margin-top:4px}
@media (max-width:760px){.memo{grid-template-columns:1fr;gap:10px}}
.memo h2{margin-bottom:22px}

.routes{display:grid;grid-template-columns:1fr 1fr;margin-top:36px;border-top:1px solid var(--ink)}
.route{padding:28px 28px 8px 0}
.route + .route{padding-left:28px;border-left:1px solid var(--line)}
.route .amt{font-family:"Newsreader",serif;font-size:clamp(54px,7vw,84px);line-height:1;margin:10px 0 14px}
.route .amt small{font-size:.3em;letter-spacing:.12em;color:var(--soft);margin-left:8px}
@media (max-width:680px){.routes{grid-template-columns:1fr}.route + .route{padding-left:0;border-left:0;border-top:1px solid var(--line)}}
table{width:100%;border-collapse:collapse;margin-top:12px;font-size:15px}
td{padding:15px 0;border-bottom:1px solid var(--line);vertical-align:top}
.fam td:last-child{text-align:right;white-space:nowrap;padding-left:16px;font-family:"Newsreader",serif;font-size:21px}

.calc{margin-top:44px;padding:30px;background:var(--surface);border:1px solid var(--line)}
.calc-row{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:22px 0 26px}
@media (max-width:680px){.calc-row{grid-template-columns:1fr}}
.calc .t{display:block;font-size:13px;color:var(--soft);margin-bottom:10px}
.stepper{display:inline-flex;align-items:center;border:1px solid var(--line)}
.stepper button{width:44px;height:44px;border:0;background:none;color:var(--ink);font:inherit;font-size:18px;cursor:pointer}
.stepper button:hover{background:var(--celeste-soft)}
.stepper output{min-width:40px;text-align:center;font-weight:600}
.check{display:flex;align-items:center;gap:12px;min-height:44px;cursor:pointer;font-size:15px}
.check input{width:20px;height:20px;accent-color:var(--gold)}
.sum{display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:10px;border-top:1px solid var(--line);padding-top:20px}
.sum strong{font-family:"Newsreader",serif;font-weight:400;font-size:50px;line-height:1}

.cmp{margin-top:30px;border-top:1px solid var(--ink)}
.cmp-row{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:12px;padding:17px 0;border-bottom:1px solid var(--line);align-items:center;font-size:15px}
.cmp-row.head{font-size:12px;letter-spacing:.08em;color:var(--faint);padding:14px 0}
.cmp-row small{display:block;color:var(--faint);font-size:13px}
.yes::before,.nope::before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;margin-right:10px;vertical-align:middle}
.yes::before{background:var(--gold)} .nope{color:var(--faint)} .nope::before{border:1px solid var(--faint)}

.access{display:grid;grid-template-columns:repeat(4,1fr);margin-top:36px;gap:0}
.access div{padding:22px 20px 22px 0;border-top:1px solid var(--line)}
.access .n{font-family:"Newsreader",serif;font-size:46px;line-height:1}
.access .l{font-size:14px;color:var(--soft);margin-top:6px}
@media (max-width:760px){.access{grid-template-columns:1fr 1fr}}

.symbols{display:grid;grid-template-columns:repeat(3,1fr);margin-top:40px;border-top:1px solid var(--ink)}
.symbols div{padding:24px 24px 24px 0;border-bottom:1px solid var(--line)}
.symbols div:not(:nth-child(3n+1)){padding-left:24px;border-left:1px solid var(--line)}
.symbols i{display:block;font-family:"Newsreader",serif;font-size:26px;color:var(--gold);margin-bottom:6px}
.symbols p{font-size:15px;color:var(--soft);margin:0}
@media (max-width:760px){.symbols{grid-template-columns:1fr}.symbols div:not(:nth-child(3n+1)){padding-left:0;border-left:0}}

.pillars{display:grid;grid-template-columns:1fr 1fr;gap:40px 56px;margin-top:40px}
.pillars div{border-top:1px solid var(--line);padding-top:22px}
.pillars h3{margin-bottom:10px}
@media (max-width:680px){.pillars{grid-template-columns:1fr}}
.team{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:36px;border-top:1px solid var(--ink)}
.team div{padding:26px 26px 10px 0}
.team div + div{padding-left:26px;border-left:1px solid var(--line)}
@media (max-width:680px){.team{grid-template-columns:1fr}.team div + div{padding-left:0;border-left:0;border-top:1px solid var(--line)}}

.steps{list-style:none;padding:0;margin:36px 0 0;counter-reset:s}
.steps li{display:grid;grid-template-columns:64px 1fr;padding:22px 0;border-top:1px solid var(--line);counter-increment:s}
.steps li::before{content:counter(s,upper-roman);font-family:"Newsreader",serif;font-size:24px;color:var(--gold)}
.steps h3{font-size:22px;margin-bottom:6px}

.guides{margin-top:14px;border-top:1px solid var(--ink)}
.guides a{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:baseline;text-decoration:none;padding:20px 0;border-bottom:1px solid var(--line)}
.guides a strong{font-family:"Newsreader",serif;font-weight:500;font-size:clamp(21px,2.6vw,27px);line-height:1.2}
.guides a em{font-style:normal;color:var(--gold);font-size:14px;white-space:nowrap}
.guides a:hover strong{color:var(--gold)}
.ghead{margin-top:40px}

details{border-top:1px solid var(--line);padding:22px 0}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px;font-family:"Newsreader",serif;font-size:22px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:"Instrument Sans",sans-serif;font-weight:300;font-size:22px;color:var(--gold);transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{margin-top:14px;color:var(--soft)}

.private{background:var(--deep);color:var(--on-deep)}
.private + *{border-top:0}
.private h2{color:var(--on-deep)}
.private .soft{color:var(--deep-soft)}
.private .num{color:var(--sun)}
.form{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:34px;max-width:780px}
@media (max-width:680px){.form{grid-template-columns:1fr}}
.form label{display:block;font-size:12px;letter-spacing:.06em;color:var(--deep-soft);margin-bottom:8px}
.form input,.form select{width:100%;font:inherit;font-size:16px;color:var(--on-deep);background:rgba(238,242,246,.06);border:0;border-bottom:1px solid rgba(238,242,246,.3);padding:12px 2px;border-radius:0}
.form input:focus,.form select:focus{outline:none;border-bottom-color:var(--sun)}
.form select option{color:#0E1A2B}
.form .full{grid-column:1/-1}
.form .btn{background:var(--sun);border-color:var(--sun);color:#0E1A2B;margin-top:8px}
.form .btn:hover{background:transparent;color:var(--sun)}
.err{grid-column:1/-1;min-height:20px;font-size:14px;color:#F2A38F;margin:0}

footer{padding:56px 0 64px;font-size:14px;color:var(--soft);border-top:1px solid var(--line)}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
@media (max-width:760px){footer .cols{grid-template-columns:1fr}}
footer b{display:block;color:var(--ink);font-weight:600;margin-bottom:6px}
footer a{text-decoration:none;border-bottom:1px solid var(--line)}
.wa{position:fixed;right:20px;bottom:calc(20px + env(safe-area-inset-bottom,0px));width:52px;height:52px;border-radius:50%;background:var(--ink);display:grid;place-items:center;z-index:20;box-shadow:0 8px 24px rgba(0,0,0,.18)}
.wa svg{width:24px;height:24px;fill:var(--bg)}

/* articles */
.crumbs{font-size:13px;color:var(--faint);padding-top:36px}
.crumbs a{text-decoration:none;border-bottom:1px solid var(--line)}
.art-head{padding:28px 0 40px;border-bottom:1px solid var(--line)}
.art-head h1{font-size:clamp(38px,6vw,68px);max-width:20ch}
.art-head .meta{margin-top:22px;font-size:14px;color:var(--soft)}
.art{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:64px;padding:48px 0 90px}
@media (max-width:900px){.art{grid-template-columns:1fr;gap:28px}.toc{order:-1}}
.prose{font-size:17px}
.prose h2{font-size:clamp(28px,3.8vw,38px);margin:56px 0 16px}
.prose h3{font-size:23px;margin:32px 0 10px}
.prose p,.prose li{max-width:70ch}
.prose ul,.prose ol{padding-left:22px;margin:0 0 16px}
.prose li{margin-bottom:8px}
.prose a{border-bottom:1px solid var(--gold);text-decoration:none}
.answer{background:var(--celeste-soft);border-left:3px solid var(--gold);padding:22px 26px;margin:0 0 30px}
.answer b{display:block;font-size:12px;letter-spacing:.1em;color:var(--gold);margin-bottom:8px;font-weight:600}
.answer p{margin:0}
.tbl{overflow-x:auto;margin:20px 0 26px;border-top:1px solid var(--ink)}
.tbl table{min-width:580px;margin:0}
.tbl th{text-align:left;font-size:12px;letter-spacing:.06em;color:var(--faint);font-weight:500;padding:12px 14px 12px 0;border-bottom:1px solid var(--line)}
.tbl td{font-size:15px;padding:13px 14px 13px 0}
.toc{position:sticky;top:100px;align-self:start;font-size:14px}
.toc b{display:block;font-size:12px;letter-spacing:.08em;color:var(--faint);font-weight:500;margin-bottom:12px}
.toc a{display:block;text-decoration:none;color:var(--soft);padding:6px 0;border-top:1px solid var(--line)}
.toc a:hover{color:var(--ink)}
.author{display:flex;gap:18px;align-items:flex-start;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:24px 0;margin-top:56px}
.author .mono{flex:none;width:52px;height:52px;border-radius:50%;border:1px solid var(--gold);display:grid;place-items:center;font-family:"Newsreader",serif;font-size:21px;color:var(--gold)}
.author p{margin:4px 0 0;font-size:14px;color:var(--soft)}
.sources{font-size:14px;color:var(--soft)}
.next{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:40px}
@media (max-width:680px){.next{grid-template-columns:1fr}}
.next a{display:block;text-decoration:none;border:1px solid var(--line);padding:20px;background:var(--surface)}
.next a span{display:block;font-size:12px;color:var(--faint);letter-spacing:.06em}
.next a strong{font-family:"Newsreader",serif;font-weight:500;font-size:21px}
dl.glossary dt{margin-top:18px} dl.glossary dd{margin:4px 0 0;color:var(--soft)}