:root{--ink:#123b3a;--paper:#f3efe5;--brick:#b85c3f;--brick-text:#a94f37;--blue:#2f5f73;--slate:#4a5b57;--line:#c8c5b9;--white:#fff;--max:1600px;--radius:3px}
.research-note{background:#dfe7df;padding:22px;border:1px solid #b9c5cc}.confidence{display:inline-block;padding:3px 7px;background:#e8ecf0;font:700 .7rem ui-monospace,monospace;text-transform:uppercase}.calculator{background:#fff;border:1px solid var(--line);padding:28px}.calculator-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.calculator label{display:grid;gap:7px;font-weight:700;font-size:.86rem}.calculator input,.calculator select{width:100%;padding:11px;border:1px solid #87939a;background:#fff;font:inherit}.calculator-results{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:25px}.calculator-results div{background:var(--paper);padding:18px}.calculator-results small{display:block;color:var(--slate)}.calculator-results strong{font:500 1.5rem Georgia,serif}.calculator-results .total{background:var(--ink);color:#fff}.fine-print{font-size:.82rem;color:var(--slate)}.calculator-intro{display:grid;grid-template-columns:1fr 1.4fr;gap:28px;align-items:end;padding-bottom:24px;border-bottom:1px solid var(--line)}.calculator-intro strong{display:block;font:500 2rem Georgia,serif;margin-top:8px}.calculator-intro p{margin:0}.role-table{margin:28px 0;border-top:1px solid var(--line)}.role-head,.role-row{display:grid;grid-template-columns:minmax(290px,1.6fr) minmax(100px,.45fr) minmax(270px,1fr);gap:18px;align-items:center;padding:14px 0;border-bottom:1px solid var(--line)}.role-head{font:700 .72rem ui-monospace,monospace;text-transform:uppercase;letter-spacing:.08em;color:var(--slate)}.role-row small,.calculator label small{display:block;color:var(--slate);font-weight:500;margin-top:4px}.role-row>input,.role-row label{margin:0}.role-row label{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:8px}.definition{background:var(--paper);border:1px solid var(--line);padding:18px;margin:22px 0}.definition summary{font-weight:750;cursor:pointer}.definition p{margin-bottom:0}.assumptions{padding-top:12px}
.calculator-step{display:flex;align-items:center;gap:10px;margin:34px 0 16px;font-size:1.2rem;letter-spacing:-.02em}.calculator-step span{display:grid;place-items:center;width:28px;height:28px;background:var(--blue);color:#fff;border-radius:50%;font:700 .75rem ui-monospace,monospace}.role-table{display:grid;grid-template-columns:1fr 1fr;gap:14px;border:0;margin:0}.role-row{display:grid;grid-template-columns:1fr 120px minmax(210px,1fr);gap:14px;padding:20px;border:1px solid var(--line);background:var(--paper)}.role-row>div{grid-column:1/-1;padding-bottom:10px;border-bottom:1px solid var(--line)}.role-row label{display:grid;grid-template-columns:1fr;align-items:stretch;gap:6px}.money-input{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:8px}.role-row input{background:#fff}.assumptions{background:#f7f5ef;padding:20px;border:1px solid var(--line)}
.market-table td:first-child small{display:block;color:var(--slate);margin-top:3px}.evidence-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin:22px 0}.evidence-strip>div{background:#fff;padding:18px}.evidence-strip p{margin:8px 0 0;font-size:.9rem}
.table-wrap td small{display:block;color:var(--slate);margin-top:5px;line-height:1.35}.table-wrap th small{font-weight:500;opacity:.78}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Avenir Next",Avenir,"Segoe UI",sans-serif;line-height:1.55}
a{color:inherit}
img{max-width:100%;height:auto}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
.skip{position:absolute;left:-999px}
.skip:focus{left:16px;top:16px;background:var(--white);padding:10px;z-index:20}
.wrap{width:min(calc(100% - 48px),var(--max));margin:auto}
.nav{display:flex;align-items:center;justify-content:space-between;padding:22px 0;border-bottom:1px solid var(--line)}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;letter-spacing:-.03em;white-space:nowrap}
.brand::before{content:"";width:31px;height:31px;flex:0 0 31px;background:url("logo-mark.svg") center/contain no-repeat}
.brand span{color:var(--brick-text)}
.nav-links{display:flex;align-items:center;gap:24px;font-size:.92rem}
.nav-links a{text-decoration:none}
.lang{border:1px solid var(--ink);padding:7px 10px}
.hero{display:grid;grid-template-columns:1.08fr .92fr;min-height:690px;border-bottom:1px solid var(--line)}
.hero-copy{padding:92px 4.5vw 72px max(24px,calc((100vw - var(--max))/2));display:flex;flex-direction:column;justify-content:center}
.eyebrow,.kicker{text-transform:uppercase;letter-spacing:.12em;font:700 .75rem ui-monospace,SFMono-Regular,Menlo,monospace;color:var(--brick-text)}
h1,h2,h3{letter-spacing:-.045em;line-height:1.05}
h1{font-family:Georgia,serif;font-size:clamp(3.3rem,7vw,7rem);font-weight:500;margin:.25em 0}
.lede{font-size:clamp(1.08rem,1.5vw,1.32rem);max-width:650px;color:#2d3d48}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.button{display:inline-block;text-decoration:none;background:var(--blue);color:#fff;padding:13px 18px;border:1px solid var(--blue);font-weight:700}
.button.secondary{background:transparent;color:var(--ink);border-color:var(--ink)}
.hero-map{position:relative;background:var(--ink) url("hero.webp") center/cover no-repeat;color:#fff;overflow:hidden;padding:62px 7vw 50px 55px;display:flex;flex-direction:column;justify-content:flex-end}
.contours{position:absolute;inset:0;opacity:.45;background:repeating-radial-gradient(ellipse at 110% 30%,transparent 0 22px,#607381 23px 24px,transparent 25px 44px)}
.altitude{position:relative;background:rgba(18,59,58,.9);padding:24px;font:500 clamp(4rem,9vw,9rem)/.85 Georgia,serif}
.altitude small{display:block;font:600 .8rem/1.4 ui-monospace,monospace;letter-spacing:.12em;text-transform:uppercase;margin-top:24px}
.section{padding:92px 0;border-bottom:1px solid var(--line)}
.section-head{display:grid;grid-template-columns:1fr;justify-items:center;gap:12px;margin-bottom:45px;text-align:center}
.section-head .kicker{margin:0}
.section-head h2{width:100%;max-width:none}
.section h2{font:500 clamp(2.4rem,5vw,4.6rem)/1.05 Georgia,serif;margin:0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.card{background:var(--paper);padding:32px}
.card h3{font-size:1.35rem}
.card .price{font:500 2.2rem Georgia,serif;color:var(--brick);margin:24px 0 5px}
.card.primary{background:var(--ink);color:#fff}
.decision-row{display:grid;grid-template-columns:auto 1fr;gap:10px 22px;padding:24px 0;margin:28px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.card.primary .tag{display:inline-block;background:#f1cf62;color:#123b3a;padding:7px 10px;border-radius:2px}
.decision-row span{font:700 .72rem ui-monospace,monospace;letter-spacing:.1em;text-transform:uppercase;color:var(--brick-text)}
.case-study{background:#dfe7df}
.independence{background:#fff}
.truth-list{margin:28px 0;padding:24px;background:var(--paper);border:1px solid var(--line)}
.truth-list ul{padding-left:20px}
.principle{font:500 1.55rem Georgia,serif;color:var(--brick-text)}
.tag{font:700 .74rem ui-monospace,monospace;text-transform:uppercase;letter-spacing:.08em;color:var(--blue)}
.card.primary .price{color:#df7658}
.card ul{padding-left:18px}
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{border-top:4px solid var(--blue);padding-top:16px}
.proof{display:grid;grid-template-columns:1fr 1fr;gap:60px}
.note{background:#e8ecf0;padding:22px;border:1px solid #b9c5cc}
.faq details{border-top:1px solid var(--line);padding:22px 0}
.faq summary{font-weight:750;cursor:pointer}
.cta{background:var(--brick);color:white}
.contact{display:grid;grid-template-columns:1fr 1fr;gap:64px}
.form{display:grid;gap:15px}
.form label{font-weight:700;font-size:.9rem}
.form input,.form textarea{width:100%;padding:13px;border:1px solid #87939a;background:#fff;font:inherit}
.form textarea{min-height:120px}
.form button{cursor:pointer}
.status{min-height:1.5em}
.footer{padding:40px 0;background:var(--ink);color:#fff}
.footer-grid{display:flex;justify-content:space-between;gap:30px}
.legal{font-size:.85rem;color:#aebbc3;max-width:720px}
.service-hero{padding:95px 0 70px}
.service-hero h1{max-width:900px}
.article{max-width:820px}
.insight{max-width:var(--max);padding-top:72px;padding-bottom:100px}.insight>section{margin-bottom:64px}.insight h2{font-size:clamp(1.55rem,2.3vw,2.15rem);letter-spacing:-.02em;margin-bottom:14px}.sources h3{margin:30px 0 8px;font:700 .8rem ui-monospace,monospace;text-transform:uppercase;letter-spacing:.09em;color:var(--brick-text)}.sources ul{columns:2;column-gap:44px}.calculator{padding:32px 34px}@media(max-width:820px){.sources ul{columns:1}}.insight>h1,.insight>.lede,.insight>.updated{max-width:1080px}.insight>section>p,.insight>section>ol{max-width:1280px}.insight>section>.research-note{max-width:none}
.insight h1{font-size:clamp(3rem,6vw,5.8rem)}
.insight section{margin-top:64px}
.insight h2{font:500 2.25rem Georgia,serif;margin-bottom:18px}
.insight h3{font-size:1.15rem}
.answer-block{background:#fff;padding:28px;border:1px solid var(--line)}
.updated{font:700 .74rem ui-monospace,monospace;color:var(--slate);text-transform:uppercase;letter-spacing:.08em}
.executive-summary{max-width:1280px;background:#fff;border:1px solid var(--line);padding:30px 34px;margin-top:30px}.executive-summary h2{margin:4px 0 12px;font:500 clamp(1.8rem,3vw,2.8rem)/1.1 Georgia,serif}.executive-summary p{max-width:1080px;font-size:1.08rem}.executive-summary ul{display:grid;grid-template-columns:repeat(2,1fr);gap:8px 34px;margin:22px 0 0;padding-left:20px}.article-nav{display:flex;flex-wrap:wrap;gap:8px;margin:28px 0 48px;max-width:1440px}.article-nav strong,.article-nav a{padding:9px 12px;border:1px solid var(--line);background:#fff;font-size:.86rem}.article-nav strong{background:var(--ink);color:#fff}.article-nav a{text-decoration:none}.article-nav a:hover{border-color:var(--blue);color:var(--blue)}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line)}
.compare>div{background:#fff;padding:25px}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;background:#fff}
th,td{text-align:left;vertical-align:top;padding:16px;border:1px solid var(--line)}
th{background:var(--ink);color:#fff}
.sources{font-size:.93rem}
.article-cta{background:var(--ink);color:#fff;padding:32px}
.profile-hero{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.65fr);gap:70px;align-items:start;padding:88px 0 70px}.profile-hero h1{font-size:clamp(3.4rem,7vw,6.8rem);margin:.15em 0}.profile-card{background:var(--ink);color:#fff;padding:34px;position:sticky;top:28px}.profile-card .monogram{width:84px;height:84px;border-radius:50%;display:grid;place-items:center;background:var(--brick);font:500 2.3rem Georgia,serif;margin-bottom:28px}.profile-card ul{padding-left:18px}.profile-card a{color:#fff}.author-block{display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 0;margin:24px 0 42px}.author-mark{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:var(--ink);color:#fff;font:500 1.4rem Georgia,serif}.author-block p{margin:3px 0;font-size:.92rem}.qa{max-width:1180px}.qa dt{font:500 1.6rem/1.25 Georgia,serif;margin-top:34px;color:var(--ink)}.qa dd{margin:10px 0 0;max-width:900px}
.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:55px}
.insight-grid h2{font-size:1.5rem}
.article h2{font:500 2.4rem Georgia,serif;margin-top:2em}
.breadcrumbs{font-size:.85rem;margin-top:25px}
.tag{font:700 .74rem ui-monospace,monospace;text-transform:uppercase;letter-spacing:.08em;color:var(--blue)}
@media(max-width:820px){.nav{display:block;padding:16px 0}.brand{min-height:36px}.nav-links{display:flex;width:100%;max-width:100%;overflow-x:auto;white-space:nowrap;gap:20px;margin-top:14px;padding:10px 0 5px;border-top:1px solid var(--line);scrollbar-width:thin}.nav-links a{display:inline-block;font-size:.82rem;flex:0 0 auto}
.hero{grid-template-columns:1fr;min-height:auto}
.hero-copy{padding:70px 20px}
.hero-map{min-height:310px;padding:45px 20px}
.section{padding:65px 0}
.section-head,.proof,.contact{grid-template-columns:1fr;gap:25px}
.grid-3,.process{grid-template-columns:1fr}
.footer-grid{flex-direction:column}
.compare,.insight-grid{grid-template-columns:1fr}
}
@media(max-width:820px){.calculator-grid,.calculator-results{grid-template-columns:1fr}}
@media(max-width:820px){.calculator-intro{grid-template-columns:1fr}.role-head{display:none}.role-row{grid-template-columns:1fr 90px 1fr}.insight h1{font-size:clamp(2.8rem,14vw,4.5rem)}}
@media(max-width:820px){.executive-summary ul{grid-template-columns:1fr}.article-nav{gap:6px}.article-nav strong,.article-nav a{font-size:.78rem;padding:8px}}
@media(max-width:820px){.profile-hero{grid-template-columns:1fr;gap:30px;padding-top:58px}.profile-card{position:static}.author-block{grid-template-columns:auto 1fr}}
@media(max-width:820px){.evidence-strip{grid-template-columns:1fr}.role-table{grid-template-columns:1fr}.role-row{grid-template-columns:110px 1fr}}
@media(max-width:560px){.role-row{grid-template-columns:1fr}.role-row>input{max-width:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}
}