:root{
  --deep:#0f2528; --sea:#18383d; --sea2:#214a50; --tide:#2f5f64; --mist:#edf1f0; --mist2:#e6dfd0;
  --paper:#ffffff; --dune:#cdb994; --dune2:#a58f6b; --sun:#a58f6b; --sun2:#b9a47f;
  --ink:#1b2f32; --muted:#566a6c; --line:#d7e0df; --focus:#2f5f64;
  --serif:"Young Serif",Georgia,"Times New Roman",serif;
  --sans:"Hanken Grotesk",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --shadow:0 24px 60px rgba(8,30,38,.28);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--tide);text-underline-offset:3px}
a:hover{color:var(--sea)}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;color:var(--sea);line-height:1.12;margin:0 0 .5em;letter-spacing:-.005em}
h1{font-size:clamp(2.35rem,5.2vw,3.9rem)}
h2{font-size:clamp(1.75rem,3.3vw,2.55rem)}
h3{font-size:1.3rem;line-height:1.25}
p{margin:0 0 1em}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.measure{max-width:68ch}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:var(--sea);padding:10px 14px;z-index:200;border-radius:6px}
.skip:focus{left:8px}

/* header */
.top{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:70px;gap:20px}
.mark{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--sea)}
.mark svg{width:34px;height:34px}
.mark-name{font-family:var(--serif);font-size:1.45rem;line-height:1}
.mark-sub{font-size:.8rem;color:var(--muted);margin-left:2px;padding-left:10px;border-left:1px solid var(--line);line-height:1.2}
nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0;align-items:center}
nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.96rem}
nav a:hover,nav a[aria-current=page]{color:var(--tide)}
.menu{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 14px;font:inherit;font-weight:600;color:var(--sea);cursor:pointer}

/* buttons */
.btn{display:inline-block;background:var(--sun);color:var(--deep);font-family:var(--sans);font-weight:700;font-size:1rem;padding:14px 26px;border-radius:10px;text-decoration:none;border:0;cursor:pointer;transition:background .2s,transform .2s;text-align:center}
.btn:hover{background:var(--sun2);color:var(--deep);transform:translateY(-1px)}
.btn.sea{background:var(--sea);color:#fff}
.btn.sea:hover{background:var(--sea2);color:#fff}
.btn.line{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55)}
.btn.line:hover{background:#fff;color:var(--sea)}
.btn.sm{padding:10px 18px;font-size:.92rem}
.btn.block{display:block;width:100%}
.btn[disabled]{opacity:.7;cursor:wait}

/* hero */
.hero{background:linear-gradient(180deg,#0f2528 0%,#18383d 42%,#2e5a5f 84%,#c4b08a 100%);color:#fff;position:relative;overflow:hidden}
.hero h1{color:#fff;max-width:14ch}
.hero-inner{display:grid;grid-template-columns:1.12fr .88fr;gap:56px;padding:68px 0 64px;align-items:start;position:relative;z-index:2}
.hero .lead{font-size:1.2rem;color:#d6e3e0;max-width:46ch}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.facts{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:8px;color:#e8f0ee}
.facts li{padding-left:26px;position:relative}
.facts li:before{content:"";position:absolute;left:0;top:.62em;width:14px;height:2px;background:var(--sun)}
.horizon{position:relative;z-index:1;height:clamp(150px,19vw,250px);display:grid;grid-template-columns:1fr 1fr}
.horizon .sea-half{background:linear-gradient(180deg,#2e5d62 0%,#112d31 100%);position:relative}
.horizon .dune-half{background:linear-gradient(180deg,#d6c3a0 0%,#a58f6b 100%);position:relative}
.horizon svg{position:absolute;inset:0;width:100%;height:100%}
.horizon .tag{position:absolute;bottom:14px;font-size:.85rem;color:rgba(255,255,255,.78)}
.horizon .sea-half .tag{left:22px}
.horizon .dune-half .tag{right:22px;color:rgba(40,24,6,.78)}
.sun{position:absolute;left:50%;bottom:calc(100% - 1px);width:clamp(96px,12vw,160px);aspect-ratio:1;border-radius:50%;transform:translate(-50%,50%);background:radial-gradient(circle at 50% 40%,#efe2c4 0,#cdb78f 58%,#a58f6b 100%);box-shadow:0 0 90px 36px rgba(205,183,143,.5);z-index:0;animation:rise 2.6s cubic-bezier(.2,.7,.2,1) both}
@keyframes rise{from{transform:translate(-50%,95%)}to{transform:translate(-50%,50%)}}

/* form card */
.form-card{background:#fff;color:var(--ink);border-radius:14px;padding:28px;box-shadow:var(--shadow)}
.form-card h2,.form-card h3{margin-bottom:.15em;font-size:1.5rem}
.form-card .sub{color:var(--muted);font-size:.94rem;margin-bottom:18px}
label{display:block;font-size:.86rem;font-weight:600;margin:0 0 5px;color:var(--sea)}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid #bccbd1;border-radius:8px;font:inherit;margin-bottom:13px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:2px solid var(--focus);border-color:var(--focus)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;color:var(--muted);margin:2px 0 14px;font-weight:400}
.consent input{width:auto;margin:3px 0 0}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.form-msg{margin-top:10px;font-size:.9rem;font-weight:600}
.form-msg.err{color:#a3261b}
.form-note{font-size:.78rem;color:var(--muted);margin:10px 0 0}

/* sections */
section{padding:84px 0}
.band-mist{background:var(--mist)}
.band-sea{background:var(--sea);color:#d6e3e0}
.band-sea h2,.band-sea h3{color:#fff}
.intro{max-width:60ch;margin-bottom:38px}
.trust{background:var(--mist);border-bottom:1px solid var(--line);padding:18px 0}
.trust ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px 38px;color:var(--muted);font-weight:600;font-size:.95rem}

/* rows: who we help */
.rows{border-top:1px solid var(--line)}
.rowi{display:grid;grid-template-columns:.9fr 1.4fr;gap:32px;padding:30px 0;border-bottom:1px solid var(--line);align-items:start}
.rowi h3{font-size:1.55rem;margin:0}
.rowi p{margin:0 0 .6em;color:var(--ink)}
.rowi a.more,.idx a.more{font-weight:700}

/* index list: advice */
.idx{display:grid;grid-template-columns:1fr 1fr;column-gap:56px;border-top:1px solid var(--line)}
.idx div{padding:26px 0;border-bottom:1px solid var(--line)}
.idx h3{margin-bottom:.3em}
.idx p{margin:0 0 .5em;color:var(--muted)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;list-style:none;padding:0;margin:0;counter-reset:s}
.steps li{counter-increment:s;border-top:3px solid var(--sea);padding-top:16px}
.steps li:before{content:counter(s);font-family:var(--serif);font-size:2.4rem;color:var(--tide);display:block;line-height:1;margin-bottom:10px}
.steps h3{margin-bottom:.3em}
.steps p{color:var(--muted);margin:0}

/* tools band */
.tools{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.tool{display:block;border:1px solid rgba(255,255,255,.2);border-radius:8px;padding:22px 20px;text-decoration:none;color:#d6e3e0;transition:background .2s,border-color .2s}
.tool:hover{background:rgba(255,255,255,.07);border-color:var(--sun);color:#fff}
.tool strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.15rem;color:#fff;line-height:1.2;margin-bottom:8px}
.tool span{font-size:.92rem}

/* insights */
.ins{display:grid;grid-template-columns:1.1fr 1fr;gap:56px}
.feature{background:var(--sea);color:#d6e3e0;border-radius:12px;padding:38px;text-decoration:none;display:block}
.feature:hover{color:#fff;background:var(--sea2)}
.feature h3{color:#fff;font-size:1.9rem;margin:.3em 0}
.feature small,.ilist small{font-size:.85rem;color:inherit;opacity:.8}
.ilist{border-top:1px solid var(--line)}
.ilist a{display:block;padding:18px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.ilist a:hover strong{color:var(--tide)}
.ilist strong{font-family:var(--serif);font-weight:400;font-size:1.15rem;color:var(--sea);display:block;line-height:1.25}
.ilist small{color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 26px}
.chip{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 18px;cursor:pointer;font:inherit;font-weight:600;color:var(--sea)}
.chip[aria-pressed=true]{background:var(--sea);color:#fff;border-color:var(--sea)}
.plist{display:grid;grid-template-columns:1fr 1fr;column-gap:56px;border-top:1px solid var(--line)}
.plist a{display:block;padding:20px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.plist strong{font-family:var(--serif);font-weight:400;font-size:1.25rem;color:var(--sea);display:block;line-height:1.25;margin-bottom:4px}
.plist small{color:var(--muted);display:block}
.plist p{margin:.3em 0 0;color:var(--muted);font-size:.95rem}

/* guide banner */
.guide{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;background:var(--mist2);border-radius:14px;padding:44px}
.guide h2{margin-bottom:.3em}

/* faq */
details{border-bottom:1px solid var(--line);padding:18px 0}
details:first-of-type{border-top:1px solid var(--line)}
summary{cursor:pointer;font-family:var(--serif);font-size:1.15rem;color:var(--sea);list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";font-family:var(--sans);font-size:1.4rem;line-height:1;color:var(--tide)}
details[open] summary:after{content:"\2212"}
details p{margin:12px 0 0;color:var(--muted);max-width:68ch}

/* cta */
.cta{background:var(--sea);color:#d6e3e0;padding:72px 0}
.cta h2{color:#fff;max-width:20ch}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}

/* page head + article */
.pagehead{background:var(--mist);padding:54px 0 44px;border-bottom:1px solid var(--line)}
.pagehead h1{font-size:clamp(2rem,4.2vw,3.1rem);max-width:22ch}
.pagehead p{color:var(--muted);max-width:60ch;font-size:1.1rem;margin:0}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.meta{font-size:.9rem;color:var(--muted);margin-top:14px}
.art{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:64px;padding:56px 0 80px;align-items:start}
.art .body h2{font-size:1.65rem;margin-top:1.7em}
.art .body ul,.art .body ol{padding-left:22px}
.art .body li{margin-bottom:.55em}
.note{background:var(--mist);border-left:4px solid var(--sun);padding:16px 20px;border-radius:0 8px 8px 0;margin:28px 0;font-size:.95rem}
.side{position:sticky;top:92px}
.side .form-card{box-shadow:0 14px 40px rgba(8,30,38,.14);border:1px solid var(--line)}
.related{margin-top:48px}
.related h2{font-size:1.4rem}

/* calculators */
.calc{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:56px;padding:48px 0 80px;align-items:start}
.panel{border:1px solid var(--line);border-radius:12px;padding:28px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.result{margin-top:22px;border-radius:10px;background:var(--mist);padding:22px;min-height:70px}
.result:empty{display:none}
.result p{margin:0 0 .6em}
.result .big{font-family:var(--serif);font-size:2rem;color:var(--sea);line-height:1.1}
.result .good{color:#16683a;font-weight:700}
.result .bad{color:#a3261b;font-weight:700}
.gate{margin-top:22px;border:2px solid var(--sun);border-radius:12px;padding:24px;background:#fff}
.gate[hidden]{display:none}
.gate h3{margin-bottom:.2em}

/* footer */
.foot{background:#0e2226;color:#a3b7b5;padding:56px 0 34px;font-size:.92rem}
.foot a{color:#d3e2df}
.foot .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px;margin-bottom:30px}
.foot h4{font-family:var(--sans);font-weight:700;color:#fff;font-size:.95rem;margin:0 0 12px}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin-bottom:8px}
.legal{border-top:1px solid #223f43;padding-top:22px;font-size:.8rem;line-height:1.6;color:#88a09f}
.legal p{margin-bottom:.8em}

/* sticky mobile cta + cookie */
.sticky{display:none}
.cookie{position:fixed;left:16px;bottom:16px;max-width:520px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:12px;padding:16px 18px;z-index:120;font-size:.88rem;display:none}
.cookie .row{display:flex;gap:10px;margin-top:12px}
.cookie button{padding:9px 18px;border-radius:8px;border:1px solid var(--sea);cursor:pointer;font:inherit;font-weight:700}
.cookie .acc{background:var(--sea);color:#fff}
.cookie .rej{background:#fff;color:var(--sea)}

@media(max-width:980px){
  .hero-inner,.art,.calc,.ins,.guide{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .tools{grid-template-columns:1fr 1fr}
  .foot .cols{grid-template-columns:1fr 1fr}
  .side{position:static}
}
@media(max-width:760px){
  body{font-size:16.5px;padding-bottom:70px}
  .menu{display:block}
  nav{position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);display:none;padding:18px 22px}
  nav.open{display:block}
  nav ul{flex-direction:column;align-items:flex-start;gap:16px}
  .mark-sub{display:none}
  section{padding:56px 0}
  .hero-inner{padding:44px 0 40px;gap:34px}
  .rowi{grid-template-columns:1fr;gap:10px}
  .idx,.plist{grid-template-columns:1fr}
  .steps,.tools,.fields,.row2,.foot .cols{grid-template-columns:1fr}
  .guide{padding:28px}
  .sticky{display:block;position:fixed;left:0;right:0;bottom:0;background:var(--sea);padding:10px 16px;z-index:90}
  .sticky a{display:block;background:var(--sun);color:var(--deep);padding:13px;border-radius:10px;text-align:center;font-weight:700;text-decoration:none}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .sun{animation:none}
  .btn{transition:none}
}

/* ---- round 2 additions ---- */
.qgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:0 44px;border-top:1px solid var(--line)}
.qcard{display:block;padding:24px 0 26px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.qcard small{display:block;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:700;font-size:.72rem}
.qcard strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.3rem;color:var(--sea);line-height:1.25;margin:8px 0 10px}
.qcard span{font-weight:700;color:var(--tide)}
.qcard:hover strong{color:var(--tide)}.qcard:hover span{text-decoration:underline}
.art .body .keypoints{background:var(--mist);border-left:4px solid var(--sun);border-radius:0 8px 8px 0;padding:20px 24px;margin:0 0 28px}
.art .body .keypoints h2{font-size:1.1rem;margin:0 0 .6em;font-family:var(--sans)}
.art .body .keypoints ul{margin:0;padding-left:20px}
.art .body .toc{border:1px solid var(--line);border-radius:8px;padding:16px 22px;margin:0 0 30px;font-size:.95rem}
.art .body .toc strong{display:block;margin-bottom:.3em;color:var(--sea)}
.art .body .toc ol{margin:0;padding-left:20px}
.art .body .toc a{color:var(--ink)}
.art .body h3{font-size:1.2rem;margin:1.4em 0 .4em}
.toolbox{background:var(--sea);color:#d6e3e0;border-radius:10px;padding:26px 28px;margin:44px 0 0}
.art .body .toolbox h3{color:#fff;margin:0 0 .3em;font-size:1.35rem}
.toolbox p{margin:0 0 16px}
.sources{margin-top:40px;font-size:.92rem;color:var(--muted)}
.art .body .sources h2{font-size:1.1rem;margin:0 0 .5em}
.sources li{margin-bottom:.3em}
.cols2{display:grid;grid-template-columns:1fr 1fr;gap:32px}
@media(max-width:980px){.qgrid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.qgrid{grid-template-columns:1fr}.cols2{grid-template-columns:1fr}.art .body .steps li{display:grid;grid-template-columns:52px 1fr;column-gap:14px;padding-top:14px}
.art .body .steps li:before{grid-row:1 / 3;margin:0;font-size:2rem}
.art .body .steps h3{margin:0 0 .2em}
.art .body .steps p{margin:0}
}

/* mega menu */
nav li{position:static}
.has-sub>.sub-toggle{background:none;border:0;font:inherit;font-weight:500;font-size:.96rem;color:var(--ink);cursor:pointer;padding:8px 0;display:flex;align-items:center;gap:6px}
.has-sub>.sub-toggle:after{content:"";width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .2s}
.has-sub:hover>.sub-toggle,.has-sub.open>.sub-toggle,.has-sub.cur>.sub-toggle{color:var(--tide)}
.top{position:sticky}
.mega{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);border-bottom:3px solid var(--sun);box-shadow:0 18px 30px rgba(15,37,40,.12)}
.has-sub:hover>.mega,.has-sub:focus-within>.mega,.has-sub.open>.mega{display:block}
.mega-in{display:flex;gap:44px;padding-top:30px;padding-bottom:32px}
.mcol{flex:1;min-width:0}.mcol.wide{flex:2}
.mcol h4{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--sun2);margin:0 0 14px;font-weight:700}
.mlist{display:grid;gap:6px}.mlist.two{grid-template-columns:1fr 1fr;gap:6px 30px}
.mlist a{display:block;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--ink)}
.mlist a:hover{background:var(--mist)}
.mlist strong{display:block;font-weight:600;font-size:.97rem;color:var(--sea)}
.mlist span{display:block;font-size:.84rem;color:var(--muted);margin-top:2px;line-height:1.35}
.mmore{margin:14px 12px 0;font-size:.9rem}.mmore a{color:var(--tide);font-weight:600}
@media(max-width:760px){
  nav{max-height:calc(100vh - 70px);overflow:auto}
  nav li{width:100%}
  .has-sub:hover>.mega,.has-sub:focus-within>.mega{display:none}
  .has-sub.open>.mega{display:block}
  .mega{position:static;box-shadow:none;border:0;border-left:2px solid var(--sun);margin:6px 0 4px 4px}
  .mega-in{display:block;padding:6px 0 6px 10px}
  .mcol{margin-bottom:10px}.mlist.two{grid-template-columns:1fr}
  .has-sub>.sub-toggle{width:100%;justify-content:space-between}
}