:root{--bg:#050A14;--bg2:#0B1220;--bg3:#111C30;--text:#fff;--soft:#E8ECF2;--muted:#94A3B8;--gold:#D4A017;--gold2:#F5B942;--gold3:#9A6B08;--border:rgba(255,255,255,.09);--radius:22px;--shadow:0 24px 70px rgba(0,0,0,.28)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Manrope,system-ui,sans-serif;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}.container{width:min(1160px,calc(100% - 40px));margin:auto}.section-pad{padding:96px 0}.subtle{background:linear-gradient(180deg,rgba(17,28,48,.58),rgba(5,10,20,.18))}.site-header{height:84px;position:fixed;z-index:50;top:0;left:0;right:0;transition:.25s;background:linear-gradient(180deg,rgba(5,10,20,.95),rgba(5,10,20,.4),transparent)}.site-header.scrolled{background:rgba(5,10,20,.93);backdrop-filter:blur(16px);border-bottom:1px solid var(--border)}.nav-wrap{height:100%;display:flex;align-items:center;gap:28px}.brand img{height:48px;width:auto;display:block}.desktop-nav{display:flex;gap:20px;margin-left:auto}.desktop-nav a{font-size:12px;color:#c2cad4}.desktop-nav a:hover,.desktop-nav a.active{color:var(--gold2)}.header-cta{margin-left:8px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 19px;border-radius:12px;border:1px solid transparent;font-size:12px;font-weight:800;letter-spacing:.02em;cursor:pointer}.btn-gold{background:linear-gradient(135deg,var(--gold3),var(--gold2),var(--gold));color:#07101b}.btn-outline{border-color:rgba(245,185,66,.45);color:var(--gold2);background:rgba(245,185,66,.03)}.menu-toggle{display:none;margin-left:auto;background:none;border:0;width:42px;height:42px}.menu-toggle span{display:block;width:24px;height:1px;background:white;margin:6px auto}.mobile-menu{display:none;position:fixed;top:84px;left:0;right:0;background:#07101b;padding:20px;border-top:1px solid var(--border)}.mobile-menu.open{display:grid;gap:8px}.mobile-menu a{padding:12px 8px;border-bottom:1px solid var(--border)}
.hero{padding-top:150px;overflow:hidden;position:relative}.hero:before{content:"";position:absolute;width:720px;height:720px;right:-240px;top:-170px;background:radial-gradient(circle,rgba(212,160,23,.12),transparent 65%);pointer-events:none}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:70px;align-items:center}.eyebrow{font-size:11px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--gold2)}h1,h2,h3,p{margin-top:0}.hero h1,.subhero h1,.broker-hero h1{font-size:clamp(46px,5.8vw,82px);line-height:.96;letter-spacing:-.055em;margin:18px 0 24px}.hero h1 span,.subhero h1 span,.broker-hero h1 span,.section-heading h2 span{color:#d8a92e}.hero-lead,.lead{color:#aeb9c7;max-width:760px;font-size:17px;line-height:1.8}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.microcopy{font-size:11px;color:#68778a;letter-spacing:.12em}.hero-panel,.clarity-panel,.broker-summary-card,.form-card,.calculator{position:relative;background:linear-gradient(145deg,rgba(17,28,48,.95),rgba(7,13,24,.98));border:1px solid rgba(212,160,23,.24);border-radius:28px;padding:32px;box-shadow:var(--shadow);overflow:hidden}.panel-glow{position:absolute;width:260px;height:260px;right:-100px;top:-100px;background:radial-gradient(circle,rgba(245,185,66,.18),transparent 65%)}.panel-topline{font-size:10px;letter-spacing:.16em;color:#9ba8b7}.dot{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--gold2);box-shadow:0 0 16px var(--gold2);margin-right:8px}.hero-panel h2{font-size:36px;line-height:1.05;margin:25px 0}.mini-checks{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--border)}.mini-checks>div{display:flex;gap:12px;padding:16px 0;border-bottom:1px solid var(--border)}.mini-checks>div:nth-child(odd){padding-right:15px}.mini-checks span{color:var(--gold);font-size:10px}.mini-checks p{margin:0;font-size:12px}.market-line svg{width:100%;height:100px;fill:none;stroke:var(--gold2);stroke-width:2;filter:drop-shadow(0 0 8px rgba(245,185,66,.28))}.trust-strip{border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:#070e18}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-grid a{padding:20px 18px;border-right:1px solid var(--border)}.trust-grid a:last-child{border-right:0}.trust-grid strong,.trust-grid span{display:block}.trust-grid strong{font-size:12px}.trust-grid span{font-size:10px;color:#7f8b9b;margin-top:2px}
.section-heading{max-width:780px;margin-bottom:42px}.section-heading.center{margin-left:auto;margin-right:auto;text-align:center}.section-heading h2,.split-feature h2,.service-page-head h2,.tool-shell h2,.faq-shell h2{font-size:clamp(34px,4vw,54px);line-height:1.04;letter-spacing:-.045em;margin:14px 0 18px}.section-heading p{color:var(--muted);max-width:680px}.center .section-heading p,.section-heading.center p{margin-left:auto;margin-right:auto}.path-grid,.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.path-card,.service-card,.card,.article-card{display:block;background:#0b1320;border:1px solid var(--border);border-radius:20px;padding:26px;transition:.25s}.path-card:hover,.service-card:hover,.card:hover,.article-card:hover{transform:translateY(-4px);border-color:rgba(245,185,66,.26)}.path-no,.service-card>span{font-size:10px;color:#6f7c8e;letter-spacing:.12em}.icon{font-size:26px;color:var(--gold2);margin:28px 0 16px}.path-card h3,.service-card h3,.card h3,.article-card h3{font-size:20px;line-height:1.3}.path-card p,.service-card p,.card p,.article-card p{color:var(--muted);font-size:13px}.path-card b,.service-card a,.card a,.article-card a{font-size:12px;color:var(--gold2)}.unsure,.cta-band{margin-top:24px;padding:24px 26px;border:1px solid rgba(245,185,66,.2);background:rgba(245,185,66,.045);border-radius:18px;display:flex;align-items:center;justify-content:space-between;gap:20px}.unsure strong,.unsure span{display:block}.unsure span{font-size:12px;color:var(--muted);margin-top:3px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border);border:1px solid var(--border);border-radius:22px;overflow:hidden}.step{background:#08111d;padding:28px}.step span{font-size:11px;color:var(--gold)}.step h3{margin:28px 0 10px;font-size:19px}.step p{color:var(--muted);font-size:13px}.center-actions{display:flex;justify-content:center;gap:12px;margin-top:28px}.split-feature{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.tool-preview,.process-stack{display:grid;gap:12px}.tool-preview>div,.process-stack>div,.values-grid>div{padding:20px;border:1px solid var(--border);border-radius:16px;background:#0b1422}.tool-preview span,.process-stack span{display:block;font-size:10px;color:var(--gold);letter-spacing:.13em}.tool-preview strong,.process-stack strong{display:block;margin-top:8px}.process-stack p{color:var(--muted);font-size:12px;margin:7px 0 0}.cta-band h3{font-size:24px;margin-bottom:6px}.cta-band p{color:var(--muted);margin:0}
.subhero,.broker-hero{padding:150px 0 80px;position:relative;overflow:hidden}.subhero:before,.broker-hero:before{content:"";position:absolute;inset:-20% 45% auto -15%;height:560px;background:radial-gradient(circle,rgba(212,160,23,.1),transparent 65%)}.subhero-grid,.broker-hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}.clarity-panel>small,.broker-summary-card>small{color:var(--gold);letter-spacing:.14em;font-size:10px}.clarity-panel a{display:block;padding:17px 0;border-bottom:1px solid var(--border)}.clarity-panel a:last-child{border-bottom:0}.clarity-panel strong,.clarity-panel span{display:block}.clarity-panel span{font-size:11px;color:var(--muted);margin-top:5px}.service-page-head{display:grid;grid-template-columns:1.25fr .75fr;gap:60px}.service-page-head p{color:var(--muted);max-width:690px}.service-status{border-left:1px solid rgba(245,185,66,.25);padding-left:30px}.service-status small,.service-status strong{display:block}.service-status small{color:var(--gold);font-size:10px;letter-spacing:.14em;margin-top:18px}.service-status strong{margin-top:6px;font-size:14px}.service-detail-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:38px}.detail-card,.expect-card,.level-card{background:#0b1422;border:1px solid var(--border);border-radius:18px;padding:28px}.detail-card span{font-size:10px;color:var(--gold)}.detail-card h3{margin:22px 0 10px}.detail-card p{color:var(--muted);font-size:13px}.process-line{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.process-line>div{padding:24px;border:1px solid var(--border);border-radius:16px;background:#09121f}.process-line span{font-size:10px;color:var(--gold)}.process-line strong{display:block;margin:18px 0 8px}.process-line p{color:var(--muted);font-size:12px}.cards.three{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.asset-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.asset-grid a{padding:28px 20px;border-radius:18px;background:#0b1422;border:1px solid var(--border);text-align:center}.asset-grid span,.asset-grid strong,.asset-grid small{display:block}.asset-grid span{color:var(--gold);font-size:11px}.asset-grid strong{font-size:20px;margin:14px 0 5px}.asset-grid small{color:var(--muted)}.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.compare-grid article{padding:34px;border-radius:22px;background:#0b1422;border:1px solid var(--border)}.compare-grid small{color:var(--gold);font-size:10px;letter-spacing:.14em}.compare-grid h3{font-size:28px;margin:18px 0 12px}.compare-grid p{color:var(--muted);min-height:88px}
.broker-summary-card h2{font-size:30px;line-height:1.15;margin:18px 0 28px}.summary-list{display:grid}.summary-list>div{display:flex;gap:14px;padding:14px 0;border-top:1px solid var(--border)}.summary-list span{font-size:10px;color:var(--gold)}.summary-list p{margin:0;font-weight:600;font-size:13px}.summary-note{margin-top:20px;padding:15px;border-radius:13px;background:rgba(245,185,66,.06);border:1px solid rgba(245,185,66,.14);color:#aeb8c4;font-size:12px}.scenario-grid,.broker-process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.scenario-card,.broker-process{padding:26px;border-radius:20px;background:#0b1422;border:1px solid var(--border)}.scenario-card span,.broker-process span{display:inline-flex;width:40px;height:40px;border-radius:50%;align-items:center;justify-content:center;border:1px solid rgba(245,185,66,.3);color:var(--gold2);font-size:10px}.scenario-card h3,.broker-process h3{margin:20px 0 10px}.scenario-card p,.broker-process p{color:var(--muted);font-size:13px}.review-layout,.consult-layout,.faq-shell{display:grid;grid-template-columns:.78fr 1.22fr;gap:70px;align-items:start}.review-list{border-top:1px solid var(--border)}.review-list>div{display:grid;grid-template-columns:50px 1fr;gap:18px;padding:21px 0;border-bottom:1px solid var(--border)}.review-list>div>span{color:var(--gold);font-size:10px}.review-list h3{margin-bottom:7px}.review-list p{color:var(--muted);margin:0;font-size:13px}.form-card{display:grid;gap:14px}.form-card label,.calculator label{display:grid;gap:7px;font-size:11px;color:#c6d0dc}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}input,select,textarea{width:100%;background:#060d17;color:white;border:1px solid rgba(255,255,255,.11);border-radius:11px;padding:13px 14px;outline:none}input:focus,select:focus,textarea:focus{border-color:rgba(245,185,66,.55);box-shadow:0 0 0 3px rgba(245,185,66,.07)}textarea{resize:vertical}.consent{display:flex!important;gap:10px;align-items:flex-start}.consent input{width:auto;margin-top:4px;accent-color:var(--gold)}.consent span{font-size:10px;color:#8f9aaa}.form-note{color:var(--gold2);font-size:12px;margin:0}
.level-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.level-card small{color:var(--gold);letter-spacing:.13em}.level-card h3{font-size:22px;margin:18px 0 10px}.level-card p{color:var(--muted);font-size:13px;min-height:80px}.level-card b{color:var(--gold2);font-size:12px}.tool-shell{display:grid;grid-template-columns:.75fr 1.25fr;gap:70px;align-items:start}.tool-shell>div>p{color:var(--muted)}.calculator{display:grid;gap:14px}.calc-result{margin-top:6px;padding:20px;background:#050b13;border:1px solid var(--border);border-radius:14px}.calc-result small,.calc-result strong,.calc-result span{display:block}.calc-result small{color:var(--gold);font-size:9px;letter-spacing:.14em}.calc-result strong{font-size:32px;margin:8px 0}.calc-result span{color:var(--muted);font-size:11px}.filter-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px}.filter{border:1px solid var(--border);background:#0b1422;color:#c9d1dc;border-radius:999px;padding:9px 14px;font-size:11px;cursor:pointer}.filter.active,.filter:hover{border-color:rgba(245,185,66,.4);color:var(--gold2)}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.article-card small{font-size:9px;color:var(--gold);letter-spacing:.12em}.article-card.hidden{display:none}.values-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.values-grid strong,.values-grid span{display:block}.values-grid span{font-size:11px;color:var(--muted);margin-top:5px}.journey{display:grid;gap:1px;background:var(--border);border:1px solid var(--border);border-radius:22px;overflow:hidden}.journey article{display:grid;grid-template-columns:90px 1fr;gap:22px;background:#08111d;padding:34px}.journey>article>span{font-size:12px;color:var(--gold)}.journey h2{font-size:28px;margin-bottom:8px}.journey p{color:var(--muted);margin:0}.faq-list{border-top:1px solid var(--border)}.faq-list details{border-bottom:1px solid var(--border)}.faq-list summary{list-style:none;cursor:pointer;padding:22px 36px 22px 0;font-weight:700;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";position:absolute;right:2px;color:var(--gold2);font-size:22px}.faq-list details[open] summary:after{content:"–"}.faq-list details p{color:var(--muted);padding:0 30px 22px 0}.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:28px}.contact-grid article{padding:28px;border:1px solid var(--border);border-radius:18px;background:#0b1422}.contact-grid small,.contact-grid strong{display:block}.contact-grid small{font-size:9px;color:var(--gold);letter-spacing:.14em}.contact-grid strong{margin:16px 0 8px}.contact-grid p{color:var(--muted);font-size:12px;margin:0}
.legal-hero{padding:150px 0 60px;border-bottom:1px solid var(--border)}.legal-hero h1{font-size:58px;letter-spacing:-.04em;margin:12px 0}.legal-hero p{max-width:760px;color:var(--muted)}.legal-body{padding:70px 0 100px}.legal-copy{max-width:820px}.legal-copy h2{font-size:24px;margin:34px 0 10px}.legal-copy p{color:#a4afbd}.footer{border-top:1px solid var(--border);background:#030710;padding:64px 0 20px}.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:46px}.footer-brand img{height:58px}.footer p{color:#748195;font-size:11px;max-width:420px}.footer h4{font-size:11px;color:#d9e0e8;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}.footer a{display:block;color:#7f8da0;font-size:11px;padding:5px 0}.footer a:hover{color:var(--gold2)}.text-btn{background:none;border:0;color:var(--gold2);padding:0;font-weight:800;font-size:11px;cursor:pointer}.footer-bottom{border-top:1px solid var(--border);margin-top:45px;padding-top:18px;display:flex;justify-content:space-between;gap:20px}.guide-overlay{position:fixed;z-index:100;inset:0;background:rgba(0,0,0,.72);display:none;align-items:center;justify-content:center;padding:20px}.guide-overlay.open{display:flex}.guide-modal{width:min(680px,100%);background:#08111d;border:1px solid rgba(245,185,66,.28);border-radius:24px;padding:32px;position:relative;box-shadow:var(--shadow)}.guide-close{position:absolute;right:18px;top:14px;background:none;border:0;color:white;font-size:28px;cursor:pointer}.guide-modal h2{font-size:36px;margin:10px 0}.guide-modal>p{color:var(--muted)}.guide-options{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:24px}.guide-option{padding:18px;border-radius:14px;border:1px solid var(--border);background:#0b1422}.guide-option:hover{border-color:rgba(245,185,66,.34)}.guide-option strong,.guide-option span{display:block}.guide-option span{font-size:10px;color:var(--muted);margin-top:5px}.reveal{opacity:0;transform:translateY(18px);transition:.65s ease}.reveal.visible{opacity:1;transform:none}.delay-1{transition-delay:.08s}.delay-2{transition-delay:.16s}
@media(max-width:1040px){.desktop-nav{display:none}.menu-toggle{display:block}.header-cta{margin-left:auto}.hero-grid,.subhero-grid,.broker-hero-grid,.split-feature,.service-page-head,.review-layout,.consult-layout,.faq-shell,.tool-shell{grid-template-columns:1fr;gap:36px}.path-grid,.service-grid{grid-template-columns:1fr 1fr}.steps,.process-line,.scenario-grid,.broker-process-grid{grid-template-columns:1fr 1fr}.asset-grid{grid-template-columns:repeat(3,1fr)}.article-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1.4fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2}.hero{padding-top:125px}.subhero,.broker-hero{padding-top:125px}.service-status{border-left:0;border-top:1px solid rgba(245,185,66,.25);padding:22px 0 0}}
@media(max-width:700px){.container{width:min(100% - 28px,1160px)}.section-pad{padding:70px 0}.header-cta{display:none}.brand img{height:42px}.hero h1,.subhero h1,.broker-hero h1{font-size:43px}.hero-lead,.lead{font-size:15px}.path-grid,.service-grid,.steps,.process-line,.scenario-grid,.broker-process-grid,.service-detail-grid,.compare-grid,.level-grid,.article-grid,.contact-grid,.values-grid{grid-template-columns:1fr}.asset-grid{grid-template-columns:1fr 1fr}.cards.three{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr 1fr}.trust-grid a:nth-child(2){border-right:0}.trust-grid a:nth-child(-n+2){border-bottom:1px solid var(--border)}.mini-checks{grid-template-columns:1fr}.unsure,.cta-band,.footer-bottom{align-items:flex-start;flex-direction:column}.form-row{grid-template-columns:1fr}.guide-options{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:last-child{grid-column:auto}.journey article{grid-template-columns:45px 1fr;padding:24px}.article-grid{gap:12px}}
@media(max-width:430px){.asset-grid,.footer-grid{grid-template-columns:1fr}.footer-grid>div{grid-column:auto!important}.hero-panel,.clarity-panel,.broker-summary-card,.form-card,.calculator{padding:22px}.section-heading h2,.split-feature h2,.service-page-head h2,.tool-shell h2,.faq-shell h2{font-size:34px}.guide-modal{padding:24px 20px}.guide-modal h2{font-size:30px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}}
/* Accessibility and resilient layouts */
.reveal{opacity:1;transform:none}
body.modal-open{overflow:hidden}
.skip-link{position:fixed;top:10px;left:14px;z-index:150;background:var(--gold2);color:var(--bg);padding:12px 18px;border-radius:8px;transform:translateY(-180%)}
.skip-link:focus{transform:none}
:focus-visible{outline:3px solid var(--gold2);outline-offset:4px}
[id]{scroll-margin-top:108px}
.guide-overlay{overflow-y:auto;align-items:flex-start}
.guide-modal{margin:auto;max-height:calc(100dvh - 40px);overflow-y:auto}
.mobile-menu{max-height:calc(100dvh - 84px);overflow-y:auto}
button:disabled{opacity:.65;cursor:wait}
.honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-note{min-height:1.6em;overflow-wrap:anywhere}
.article-copy{max-width:780px;margin:auto;color:var(--soft)}
.article-copy p,.article-copy li{color:#b1bdcc;font-size:16px;line-height:1.9}
.article-copy h2{margin:42px 0 14px;font-size:28px;line-height:1.25}
.article-copy a{color:var(--gold2);text-decoration:underline;text-underline-offset:4px}
.article-copy .source-note{font-size:12px;border-top:1px solid var(--border);margin-top:40px;padding-top:20px}
.article-copy ul,.article-copy ol{padding-left:24px}
.filter-status{color:var(--muted);font-size:12px;margin-bottom:22px}
.legal-hero h1{font-size:clamp(36px,6vw,58px);line-height:1.1}
.hero h1,.subhero h1,.broker-hero h1{overflow-wrap:anywhere}
.contact-grid strong{overflow-wrap:anywhere}
@media(max-width:1040px){.cards.three{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.cards.three{grid-template-columns:1fr}.hero-actions .btn{max-width:100%}.nav-wrap{gap:14px}.guide-modal{max-height:calc(100dvh - 28px)}.guide-overlay{padding:14px}}
@media(max-width:430px){.hero h1,.subhero h1,.broker-hero h1{font-size:36px}.journey article{grid-template-columns:1fr;gap:12px}}
/* Keep the homepage headline on whole-word lines with fallback fonts. */
.hero h1{font-size:clamp(40px,4.2vw,60px);overflow-wrap:normal}
@media(max-width:700px){.hero h1{font-size:40px}}
@media(max-width:430px){.hero h1{font-size:34px}}