:root{--ink:#16233d;--navy:#1f3864;--navy-2:#2e5496;--gold:#b4884d;--gold-deep:#8a642f;--paper:#fbfaf7;--panel:#ffffff;--panel-2:#f3f1ea;--line:#e4e1d8;--muted:#5b6070;--good:#2f7d5b;--warn:#b4884d;--maxw:1120px;--radius:10px;--serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.15;font-weight:600;margin:0 0 .5em}h1{font-size:clamp(2.1rem,4.6vw,3.4rem);letter-spacing:-.01em}h2{font-size:clamp(1.5rem,3vw,2.15rem)}h3{font-size:1.25rem}p{margin:0 0 1rem}a{color:var(--navy-2);text-decoration:none}a:hover{color:var(--gold-deep)}.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}.narrow{max-width:760px}.eyebrow{font-family:var(--sans);text-transform:uppercase;letter-spacing:.14em;font-size:.72rem;font-weight:700;color:var(--gold-deep);margin:0 0 .6rem}.lead{font-size:1.2rem;color:var(--muted)}.muted{color:var(--muted)}section{padding:72px 0}section.tight{padding:48px 0}.section-alt{background:var(--panel-2)}.section-ink{background:var(--ink);color:#eef1f7}.section-ink h1,.section-ink h2,.section-ink h3{color:#fff}.section-ink .muted{color:#aeb7c9}.btn{display:inline-block;font-family:var(--sans);font-weight:600;font-size:1rem;padding:14px 26px;border-radius:8px;border:1.5px solid transparent;cursor:pointer;transition:.15s}.btn-primary{background:var(--gold);color:#241a08;border-color:var(--gold)}.btn-primary:hover{background:var(--gold-deep);color:#fff;border-color:var(--gold-deep)}.btn-ghost{background:transparent;border-color:var(--navy);color:var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff}.btn-onink{background:var(--gold);color:#241a08;border-color:var(--gold)}.btn-onink:hover{background:#fff;color:var(--ink)}.grid{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}@media (max-width:860px){.g2,.g3,.g4{grid-template-columns:1fr}}.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:26px}.card h3{margin-top:0}.stat{font-family:var(--serif);font-size:2.4rem;color:var(--navy);line-height:1;font-weight:600}.stat-sm{font-size:1.7rem}.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);background:#f6efe3;border:1px solid #ecdcc2;border-radius:999px;padding:4px 11px}.site-head{position:sticky;top:0;z-index:50;background:#fbfaf7eb;backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;height:68px}.brand{font-family:var(--serif);font-weight:600;font-size:1.2rem;color:var(--navy);letter-spacing:-.01em}.brand b{color:var(--gold-deep)}.nav-links{display:flex;gap:22px;align-items:center;font-size:.95rem}.nav-links a{color:var(--ink)}.nav-links a:hover{color:var(--gold-deep)}.nav-cta{font-weight:600}@media (max-width:900px){.nav-links{display:none}}.site-foot{background:var(--ink);color:#c3cad9;padding:52px 0 30px;font-size:.92rem}.site-foot h4{color:#fff;font-family:var(--sans);font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:.8rem}.site-foot a{color:#c3cad9;display:block;margin-bottom:.4rem}.site-foot a:hover{color:#fff}.foot-bottom{border-top:1px solid #2a3a5a;margin-top:32px;padding-top:20px;color:#8894ac;font-size:.85rem}.divider{height:1px;background:var(--line);border:0;margin:0}.kicker-num{font-family:var(--serif);font-size:1.05rem;color:var(--gold-deep);font-weight:700}ul.clean{list-style:none;padding:0;margin:0}ul.clean li{padding:10px 0;border-bottom:1px solid var(--line)}ul.check li{position:relative;padding-left:28px;margin-bottom:12px;list-style:none}ul.check{padding:0}ul.check li:before{content:"";position:absolute;left:0;top:9px;width:14px;height:8px;border-left:2.5px solid var(--gold-deep);border-bottom:2.5px solid var(--gold-deep);transform:rotate(-45deg)}.source{font-size:.82rem;color:var(--muted)}.hero{padding:84px 0 64px}.doorways{display:grid;grid-template-columns:1fr 1fr;gap:20px}@media (max-width:760px){.doorways{grid-template-columns:1fr}}.doorway{display:block;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.15s}.doorway:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:0 8px 24px #16233d12}.doorway .tag{margin-bottom:12px}.credstrip{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--panel)}.credstrip div{padding:20px 22px;border-right:1px solid var(--line)}.credstrip div:last-child{border-right:0}.credstrip b{display:block;color:var(--navy);font-weight:600;margin-bottom:2px}.credstrip span{font-size:.9rem;color:var(--muted)}@media (max-width:760px){.credstrip{grid-template-columns:1fr}.credstrip div{border-right:0;border-bottom:1px solid var(--line)}}table.data{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}table.data th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px;font-weight:600;font-size:.9rem}table.data td{padding:11px 14px;border-top:1px solid var(--line)}table.data td.num,table.data th.num{text-align:right;font-variant-numeric:tabular-nums}.grade-badge{display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--serif);font-size:2rem;font-weight:600}.bar{height:9px;background:var(--panel-2);border-radius:999px;overflow:hidden}.bar>span{display:block;height:100%;background:var(--gold);border-radius:999px}.calc{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:28px}.calc label{display:block;font-weight:600;font-size:.92rem;margin:14px 0 6px;color:var(--ink)}.calc input{width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:7px;font-size:1rem;font-family:var(--sans);background:var(--paper)}.calc input:focus{outline:none;border-color:var(--gold)}.calc .row{display:grid;grid-template-columns:1fr 120px;gap:14px;align-items:end}.calc-out{background:var(--ink);color:#fff;border-radius:var(--radius);padding:26px;text-align:center}.calc-out .big{font-family:var(--serif);font-size:2.8rem;font-weight:600;color:#fff;line-height:1}.calc-out .sub{color:#aeb7c9;font-size:.95rem;margin-top:8px}