@font-face{font-family:'Fraunces';src:url(/assets/fonts/fraunces.woff2) format('woff2');font-weight:500 600;font-style:normal;font-display:swap}
@font-face{font-family:'Manrope';src:url(/assets/fonts/manrope.woff2) format('woff2');font-weight:400 700;font-style:normal;font-display:swap}
:root{--teal:#0F3D3E;--deep:#0A2A2B;--brass:#D9B97F;--bronze:#7A5B2A;--cream:#F7F4EE;--sand:#EDE7DA;--line:#E2DCCF;--ink:#1B2424;--body:#3A4745;--muted:#5E6B68;--serif:'Fraunces',Georgia,'Times New Roman',serif;--sans:'Manrope',system-ui,-apple-system,'Segoe UI',sans-serif;--pad:80px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);background:var(--cream);color:var(--ink);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--teal)}a:hover{color:var(--deep)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--brass);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:var(--teal);color:var(--cream);padding:10px 16px;z-index:100}.skip:focus{left:12px;top:12px}
.wrap{max-width:1280px;margin:0 auto;background:var(--cream)}
h1,h2,h3{font-family:var(--serif);font-weight:500;color:var(--teal);margin:0}
h1{font-size:56px;line-height:1.06}
h2{font-size:40px;line-height:1.15}
h3{font-size:26px;line-height:1.2}
p{margin:0}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--bronze)}
.lead{font-size:19px;line-height:1.6;color:var(--body)}
.muted{color:var(--muted)}
.small{font-size:14px}
.btn{display:inline-block;text-decoration:none;background:var(--teal);color:var(--cream);padding:16px 26px;border-radius:6px;font-weight:700;font-size:16px;border:1.5px solid var(--teal);line-height:1.2;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--deep);color:var(--cream)}
.btn.ghost{background:transparent;color:var(--teal)}.btn.ghost:hover{background:var(--teal);color:var(--cream)}
.btn.brass{background:var(--brass);border-color:var(--brass);color:var(--teal)}.btn.brass:hover{background:#E6CC9C}
.btn.light{background:transparent;border-color:var(--cream);color:var(--cream)}.btn.light:hover{background:var(--cream);color:var(--teal)}
.btns{display:flex;gap:14px;flex-wrap:wrap}

/* header */
.site-header{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:22px var(--pad);border-bottom:1px solid var(--line);position:relative;z-index:20;background:var(--cream)}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand svg{width:44px;height:44px;flex:none}
.brand .n{font-family:var(--serif);font-size:24px;font-weight:600;color:var(--teal);line-height:1}
.brand .t{font-size:11.5px;color:var(--bronze);letter-spacing:.02em;margin-top:3px}
.nav{display:flex;align-items:center;gap:26px;font-size:15px;font-weight:600}
.nav>a,.nav .dd>button{color:var(--ink);text-decoration:none;background:none;border:0;font:inherit;cursor:pointer;padding:6px 0}
.nav>a:hover,.nav .dd>button:hover{color:var(--teal)}
.nav a[aria-current=page]{color:var(--teal);box-shadow:inset 0 -2px 0 var(--brass)}
.dd{position:relative}
.dd>button::after{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-left:9px;position:relative;top:-3px}
.dd-menu{display:none;position:absolute;left:-18px;top:calc(100% + 10px);background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px;min-width:300px;box-shadow:0 18px 40px rgba(15,61,62,.12)}
.dd-menu::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
.dd.open .dd-menu,.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:block}
.dd-menu a{display:block;text-decoration:none;color:var(--ink);padding:10px 12px;border-radius:6px}
.dd-menu a:hover,.dd-menu a[aria-current=page]{background:var(--sand);color:var(--teal)}
.dd-menu a span{display:block;font-weight:500;font-size:13px;color:var(--muted);margin-top:1px}
.nav .earn{border:1.5px solid var(--teal);border-radius:6px;padding:11px 16px;color:var(--teal)}
.nav .earn:hover{background:var(--teal);color:var(--cream)}
.nav .cta{background:var(--teal);color:var(--cream);border-radius:6px;padding:12.5px 18px}
.nav .cta:hover{background:var(--deep);color:var(--cream)}
.menu-btn{display:none;background:none;border:1.5px solid var(--teal);color:var(--teal);border-radius:6px;padding:10px 14px;font:inherit;font-weight:700;cursor:pointer}

/* home hero */
.home-hero{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;padding:88px var(--pad) 80px;align-items:center}
.home-hero .copy{display:flex;flex-direction:column;gap:26px}
.home-hero h1{font-size:60px}
.home-hero img{width:100%;height:500px;object-fit:cover;border-radius:12px}
.caption{font-size:13px;color:var(--muted);margin-top:10px}

/* inner page hero: photo band with text panel */
.page-hero{position:relative;margin:0;min-height:430px;display:flex;align-items:flex-end;overflow:hidden}
.page-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.page-hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,42,43,.92) 0%,rgba(10,42,43,.78) 42%,rgba(10,42,43,.15) 78%,rgba(10,42,43,0) 100%)}
.page-hero .hero-in{position:relative;z-index:1;padding:72px var(--pad) 64px;max-width:760px;display:flex;flex-direction:column;gap:20px}
.page-hero .eyebrow{color:var(--brass)}
.page-hero h1{color:var(--cream);font-size:52px}
.page-hero .lead{color:#DCE5E2}
.crumb{font-size:13.5px;color:#C3D0CC}.crumb a{color:#E9EFEC}
.plain-hero{padding:80px var(--pad) 24px;display:flex;flex-direction:column;gap:18px;max-width:900px}

.trust{display:flex;justify-content:center;flex-wrap:wrap;gap:12px 44px;padding:24px var(--pad);background:var(--teal);color:#E9EFEC;font-size:14px;font-weight:600}

/* sections */
.sec{padding:88px var(--pad)}
.sec.tight{padding-top:0}
.sec.sand{background:var(--sand)}
.sec.dark{background:var(--teal);color:var(--cream)}
.sec.dark h2,.sec.dark h3{color:var(--cream)}
.sec.dark p{color:#D4DEDA}
.head{display:flex;flex-direction:column;gap:12px;max-width:760px;margin-bottom:40px}
.head p{font-size:17px;color:var(--body)}
.sec.dark .head p{color:#D4DEDA}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px;display:flex;flex-direction:column;gap:14px}
.card h3{font-size:24px}
.card p{color:var(--body);font-size:15.5px}
a.card{text-decoration:none;color:inherit;transition:border-color .15s}
a.card:hover{border-color:var(--teal)}
a.card .more{margin-top:auto;font-weight:700;color:var(--teal);font-size:15px}
.feature{background:#fff;border:1px solid var(--line);border-radius:12px;padding:40px;display:flex;flex-direction:column;gap:18px}
.ticks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.ticks li{position:relative;padding-left:26px;font-size:16px;line-height:1.5;color:var(--ink)}
.ticks li::before{content:"";position:absolute;left:2px;top:.45em;width:12px;height:7px;border-left:2px solid var(--bronze);border-bottom:2px solid var(--bronze);transform:rotate(-45deg)}
.sec.dark .ticks li{color:var(--cream)}.sec.dark .ticks li::before{border-color:var(--brass)}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;counter-reset:s}
.steps.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.step{display:flex;flex-direction:column;gap:10px}
.step .n{font-family:var(--serif);font-size:42px;color:var(--brass);line-height:1}
.sec:not(.dark) .step .n{color:var(--bronze)}
.step b{font-size:19px}
.step p{font-size:15px}
.fund{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.fund>div{border:1px solid rgba(217,185,127,.5);border-radius:12px;padding:28px;display:flex;flex-direction:column;gap:10px}
.fund b{font-size:19px}
.sec:not(.dark) .fund>div{background:#fff;border-color:var(--line)}
.price{font-family:var(--serif);font-size:34px;color:var(--teal);line-height:1.1}
.sec.dark .price{color:var(--brass)}
.fee{border:1px solid var(--line);background:#fff;border-radius:10px;padding:26px 24px;display:flex;flex-direction:column;gap:8px}
.fee.hl{border:2px solid var(--teal)}
.fee b{color:var(--teal)}
.fee .v{font-family:var(--serif);font-size:30px;color:var(--ink);line-height:1.15}
.fee p{font-size:14px;color:var(--muted)}
.stat{display:flex;flex-direction:column;gap:4px}
.stat .v{font-family:var(--serif);font-size:38px;color:var(--teal);line-height:1.1}
.stat p{font-size:14px;color:var(--muted)}
.statrow{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;background:var(--sand);border-radius:12px;padding:32px}
.promise{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.promise>div{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px}
.split .promise{grid-template-columns:1fr 1fr}
.promise .v{font-family:var(--serif);font-size:28px;color:var(--teal)}
.promise p{font-size:15px;color:var(--body)}
.photos{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.photos img{width:100%;height:300px;object-fit:cover;border-radius:10px}
.photos.big img{height:380px}
.photos figure{margin:0}
.photos figcaption{font-size:13.5px;color:var(--muted);margin-top:8px}
.cmp{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 32px 18px}
.cmp .r{display:grid;grid-template-columns:2fr .8fr 1.4fr;gap:16px;padding:15px 0;border-top:1px solid var(--line);font-size:15px}
.cmp .r:first-child{border-top:0;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.cmp .y{color:var(--teal);font-weight:700}
.cmp .n{color:var(--muted)}
.tw{overflow-x:auto}
table.data{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;font-size:15.5px}
table.data th,table.data td{text-align:left;padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
table.data tr:first-child th{border-top:0;background:var(--sand);font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
table.data td.num{font-family:var(--serif);font-size:20px;color:var(--teal);white-space:nowrap}
.note{font-size:13.5px;color:var(--muted);line-height:1.55}
.callout{border-left:3px solid var(--brass);background:#fff;padding:20px 24px;border-radius:0 10px 10px 0;display:flex;flex-direction:column;gap:8px}
.faq{display:flex;flex-direction:column;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;font-weight:700;font-size:17px;position:relative;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:12px;font-family:var(--serif);font-size:28px;color:var(--bronze)}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 0 20px;color:var(--body);max-width:780px;display:flex;flex-direction:column;gap:10px}
.cta-band{margin:0 var(--pad) 88px;background:var(--teal);border-radius:16px;padding:56px;display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:center}
.cta-band h2{color:var(--cream);font-size:36px}
.cta-band p{color:#D4DEDA;font-size:17px;margin-top:12px}
.cta-band .btns{justify-content:flex-end}

/* tool */
.tool{background:var(--sand);border-radius:16px;padding:48px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:48px;align-items:start}
.tool .fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.tool label,.form label{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600;color:var(--ink)}
.in{height:48px;border:1px solid #C9C1B0;border-radius:6px;background:#fff;padding:0 14px;font:inherit;font-size:16px;color:var(--ink);width:100%}
textarea.in{height:auto;padding:12px 14px;resize:vertical}
.tool-out{background:#fff;border-radius:12px;padding:36px;display:flex;flex-direction:column;gap:14px;border:1px solid var(--line)}
.tool-out .big{font-family:var(--serif);font-size:52px;color:var(--teal);line-height:1.05}
.tool-out .cmpline{border-top:1px solid var(--line);padding-top:14px;font-size:15px;color:var(--body)}
.tool-out .cmpline[hidden]{display:none}

/* contact form */
.form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;align-content:start}
.form .full{grid-column:1/-1}
.form .check{flex-direction:row;gap:10px;align-items:flex-start;font-weight:500;color:var(--body);line-height:1.5}
.form .check input{width:20px;height:20px;margin-top:2px;flex:none}
.hp{position:absolute;left:-9999px}

/* prose pages */
.prose{padding:24px var(--pad) 88px;max-width:900px;display:flex;flex-direction:column;gap:16px}
.prose h2{font-size:30px;margin-top:22px}
.prose h3{font-size:22px;margin-top:8px}
.prose p,.prose li{color:var(--body);font-size:16.5px}
.prose ul{margin:0;padding-left:22px;display:flex;flex-direction:column;gap:8px}
.alert{background:#fff;border:2px solid var(--bronze);border-radius:12px;padding:22px 26px;display:flex;flex-direction:column;gap:8px}
.box{background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px 24px}

/* footer */
.site-footer{background:var(--deep);color:#C3D0CC;padding:64px var(--pad) 48px;font-size:14px;line-height:1.7}
.site-footer a{color:#E9EFEC;text-decoration:none}.site-footer a:hover{text-decoration:underline;color:#fff}
.fcols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;padding-bottom:36px;border-bottom:1px solid rgba(233,239,236,.14)}
.fcols h2{font-family:var(--sans);font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brass);margin-bottom:12px}
.fcols ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:6px}
.fname{font-family:var(--serif);font-size:22px;color:var(--cream);margin-bottom:10px}
.legal{padding-top:26px;display:flex;flex-direction:column;gap:4px;font-size:13px}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media (max-width:1180px){
 :root{--pad:48px}
 .nav{gap:20px}
 .nav .earn{display:none}
}
@media (max-width:1020px){
 :root{--pad:22px}
 .menu-btn{display:inline-flex}
 .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--cream);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px var(--pad) 20px;box-shadow:0 20px 30px rgba(15,61,62,.10)}
 .nav.open{display:flex}
 .nav>a,.nav .dd>button{padding:14px 0;border-bottom:1px solid var(--line);text-align:left;width:100%}
 .nav .earn,.nav .cta{display:block;text-align:center;margin-top:12px;border-bottom:1.5px solid var(--teal)}
 .nav a[aria-current=page]{box-shadow:none}
 .dd:hover .dd-menu{display:none}
 .dd.open .dd-menu,.dd:focus-within .dd-menu{display:block}
 .dd-menu{position:static;box-shadow:none;border:0;background:transparent;padding:4px 0 8px 12px;min-width:0}
 .dd-menu::before{display:none}
 h1,.home-hero h1,.page-hero h1{font-size:38px}
 h2{font-size:30px}
 h3{font-size:23px}
 .lead{font-size:17px}
 .home-hero{grid-template-columns:1fr;gap:28px;padding-top:40px;padding-bottom:48px}
 .home-hero img{height:280px}
 .page-hero{min-height:0}
 .page-hero::after{background:linear-gradient(0deg,rgba(10,42,43,.94) 0%,rgba(10,42,43,.82) 55%,rgba(10,42,43,.35) 100%)}
 .page-hero .hero-in{padding:120px var(--pad) 40px}
 .sec{padding:56px var(--pad)}
 .sec.tight{padding-top:0}
 .grid2,.grid3,.grid4,.split,.fund,.tool,.cta-band,.statrow{grid-template-columns:1fr}
 .split{gap:36px}
 .steps,.steps.three{grid-template-columns:1fr 1fr;gap:24px}
 .promise{grid-template-columns:1fr 1fr}
 .photos{grid-template-columns:1fr 1fr;gap:10px}
 .photos img,.photos.big img{height:180px}
 .tool{padding:24px;gap:24px}
 .tool-out{padding:24px}
 .tool-out .big{font-size:40px}
 .card,.feature{padding:24px}
 .cta-band{margin:0 var(--pad) 56px;padding:32px 24px;gap:20px}
 .cta-band .btns{justify-content:flex-start}
 .cmp{padding:6px 16px 12px}
 .cmp .r{grid-template-columns:1.6fr .5fr 1.2fr;gap:10px;font-size:14px}
 .fcols{grid-template-columns:1fr 1fr;gap:28px}
 .prose{padding-bottom:56px}
 .plain-hero{padding-top:44px}
}
@media (max-width:560px){
 .tool .fields,.form{grid-template-columns:1fr}
 .steps,.steps.three,.promise{grid-template-columns:1fr}
 .fcols{grid-template-columns:1fr}
 .brand .t{font-size:10.5px}
 table.data th,table.data td{padding:12px}
}

mark.ph{background:#FFE58A;color:#1B2424;padding:0 4px;border-radius:3px}

.ba-title{font-family:var(--serif);font-weight:500;color:var(--teal);font-size:24px;margin:28px 0 14px}
.ba{display:grid;gap:18px}
.ba3{grid-template-columns:repeat(3,minmax(0,1fr))}
.ba figure{margin:0}
.ba img{width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:10px;display:block}
.ba figcaption{font-size:14px;color:var(--body);margin-top:10px;line-height:1.5}
.ba .tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;color:var(--bronze);border:1px solid var(--brass);border-radius:4px;padding:2px 7px;margin-right:8px}
.ba .tag.done{background:var(--teal);color:#F7F4EE;border-color:var(--teal)}
@media (max-width:960px){.ba3{grid-template-columns:1fr 1fr}.ba3 figure:nth-child(3){grid-column:span 2}.ba3 figure:nth-child(3) img{aspect-ratio:4/3}}
@media (max-width:560px){.ba3{grid-template-columns:1fr}.ba3 figure:nth-child(3){grid-column:auto}.ba img{aspect-ratio:4/3}}

.menu-btn{border:none;padding:10px 6px;width:44px;height:44px;flex-direction:column;justify-content:center;align-items:center;gap:6px;margin-left:auto}
.menu-btn span{display:block;width:26px;height:2.5px;border-radius:2px;background:var(--teal);transition:transform .2s ease,opacity .2s ease}
.menu-btn[aria-expanded="true"] span:nth-child(1){transform:translateY(8.5px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded="true"] span:nth-child(3){transform:translateY(-8.5px) rotate(-45deg)}
@media (prefers-reduced-motion:reduce){.menu-btn span{transition:none}}

.ba2{grid-template-columns:repeat(2,minmax(0,1fr));max-width:820px}
@media (max-width:560px){.ba2{grid-template-columns:1fr}}

.ba2.wide{max-width:none}
.ba2.wide img{aspect-ratio:4/3}
.ba-note{margin:-6px 0 14px;color:var(--body);font-size:15px}

.ba .tag.before{background:transparent;color:var(--muted);border-color:#C9C1B0}
.ba .tag.during{background:var(--brass);color:#0F3D3E;border-color:var(--brass)}
.ba .tag.after{background:var(--teal);color:#F7F4EE;border-color:var(--teal)}
.ba3.wide img{aspect-ratio:4/3}
.ba + .ba-note{margin:16px 0 8px;max-width:760px;font-size:15.5px;line-height:1.6;color:var(--body)}

.ba figcaption{font-size:15px;line-height:1.55}
.ba .tag{display:table;margin:0 0 6px}

@media (max-width:760px){.trust{flex-direction:column;align-items:center;gap:8px;text-align:center}}
.quotes{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:28px}
.quote{margin:0;background:#fff;border-radius:14px;padding:28px;display:flex;flex-direction:column;gap:16px;box-shadow:0 1px 2px rgba(15,61,62,.06)}
.quote blockquote{margin:0;font-family:Fraunces,Georgia,serif;font-size:19px;line-height:1.5;color:#0F3D3E}
.quote figcaption{font-size:14px;letter-spacing:.04em;color:#8C6239}

.intro-line{text-align:center;margin:0 auto 28px;font-size:15px}

.promise3{display:grid;grid-template-columns:1fr;gap:14px}
.promise3>div{background:#fff;border:1px solid var(--line);border-left:3px solid var(--brass);border-radius:10px;padding:22px}
.promise3 h3{font-family:var(--serif);font-size:22px;color:var(--teal);margin:0 0 6px}
.promise3 p{font-size:15px;color:var(--body);margin:0}

@media (min-width:760px){.promise3.two{grid-template-columns:1fr 1fr}}


.slider{overflow:hidden;margin-top:28px;max-width:720px;touch-action:pan-y}
.slider .track{display:flex;transition:transform .6s ease}
.slider .quote{flex:0 0 100%;box-sizing:border-box}
.slider .quote blockquote{font-size:19px}
.slider .dots{display:flex;justify-content:center;gap:8px;margin-top:16px}
.slider .dots button{width:9px;height:9px;border-radius:50%;border:0;padding:0;background:#cdbfa8;cursor:pointer}
.slider .dots button[aria-current="true"]{background:var(--bronze)}
@media (prefers-reduced-motion:reduce){.slider .track{transition:none}}