/* Layout: ivory ground, Nine Stones navy for ink, stone and action; bronze for the keystone; sage and stone (from the Your Friendly Investor palette) as the calm secondary colours. */
:root{
  --bg:#F8F4EC;          /* ivory */
  --paper:#FFFFFF;
  --tint:#E8ECE6;        /* sage wash */
  --warm:#EFE9E0;        /* stone wash */
  --ink:#002147;         /* Nine Stones navy */
  --muted:#5A6470;
  --line:#DDD5C9;        /* stone line */
  --accent:#4F6559;      /* deep sage, for small text */
  --sage:#7A8F85;        /* sage, for shapes */
  --stone:#C8BEB0;       /* stone */
  --fill:#002147;        /* buttons: navy */
  --fill-ink:#FFFFFF;
  --bronze:#8C6A3F;      /* Nine Stones bronze */
  --arch:#002147;
  --accent-ink:#FFFFFF;
  --display:"Newsreader", Georgia, "Times New Roman", serif;
  --body:"Inter", -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --gutter-l:max(16px, env(safe-area-inset-left, 0px));
  --gutter-r:max(16px, env(safe-area-inset-right, 0px));
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0B1622; --paper:#12202E; --tint:#1B2926; --warm:#252219; --ink:#EDE9E1; --muted:#A3ADB6; --line:#2A3644;
    --accent:#A9BDB2; --sage:#93A89D; --stone:#C8BEB0; --fill:#C8BEB0; --fill-ink:#0B1622; --bronze:#C69C66; --arch:#C9D3DE; --accent-ink:#0B1622; color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --bg:#0B1622; --paper:#12202E; --tint:#1B2926; --warm:#252219; --ink:#EDE9E1; --muted:#A3ADB6; --line:#2A3644;
    --accent:#A9BDB2; --sage:#93A89D; --stone:#C8BEB0; --fill:#C8BEB0; --fill-ink:#0B1622; --bronze:#C69C66; --arch:#C9D3DE; --accent-ink:#0B1622; color-scheme:dark;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}
body{background:var(--bg);color:var(--ink);font-family:var(--body);font-weight:300;font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:1160px;margin:0 auto;padding-left:var(--gutter-l);padding-right:var(--gutter-r)}
h1,h2,h3{font-family:var(--display);line-height:1.08;margin:0;text-wrap:balance;letter-spacing:-.01em}
h1{font-weight:800;font-size:clamp(2.6rem,6.2vw,4.8rem)}
h2{font-weight:800;font-size:clamp(2rem,4vw,3rem)}
h3{font-weight:600;font-size:1.4rem}
p{margin:0}
a{color:inherit}
.eyebrow{font-family:var(--body);font-weight:500;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.lede{font-size:1.15rem;max-width:58ch;color:var(--muted)}
.num{font-variant-numeric:tabular-nums}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:4px}

.btn{display:inline-flex;align-items:center;gap:.5em;font:500 1rem/1 var(--body);padding:.95em 1.4em;border-radius:6px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-main{background:var(--fill);color:var(--fill-ink)}
.btn-ghost{border-color:var(--line);background:var(--paper);color:var(--ink)}

header.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:color-mix(in srgb, var(--bg) 88%, transparent);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px}
.mark{font-family:var(--display);font-weight:800;font-size:1.3rem;text-decoration:none;letter-spacing:-.01em;white-space:nowrap}
.mark small{display:block;font-family:var(--body);font-weight:500;font-size:.6rem;letter-spacing:.16em;text-transform:uppercase;color:var(--bronze);margin-top:2px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
nav.links{display:flex;gap:26px;font-size:.92rem;font-weight:400}
nav.links a{text-decoration:none;color:var(--muted)}
nav.links a:hover{color:var(--ink)}
header .btn{padding:.7em 1.1em;font-size:.9rem}
@media (max-width:860px){nav.links{display:none}}

/* hero */
.hero .top-row{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;padding-block:64px 40px;align-items:center}
.hero h1{margin-top:18px}
.hero h1 em{font-style:italic;font-weight:800;background:linear-gradient(transparent 80%, var(--bronze) 80% 93%, transparent 93%);padding:0 .06em}
.hero .lede{margin-top:24px;display:grid;gap:12px}
.hero .lede .lead-in{color:var(--ink);font-weight:400}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.arch{width:100%;max-width:460px;justify-self:center;min-width:0}
.arch svg{display:block;width:100%;height:auto;overflow:visible}
.arch .shadow{fill:#002147;opacity:.07}
.arch .ground{stroke:var(--muted);stroke-width:1.2}
.arch .lead{stroke:var(--muted);stroke-width:1;fill:none}
.arch .lbl{font-family:var(--body);font-size:11px;letter-spacing:.14em;fill:var(--muted);font-weight:500}
.arch .lbl2{font-family:var(--display);font-size:17px;fill:var(--ink);font-weight:600}
.arch .st,.arch .key{transform-box:fill-box;transform-origin:center;animation:set .55s cubic-bezier(.2,.8,.25,1) both}
.arch .key{animation:drop .7s cubic-bezier(.3,1.4,.5,1) both}
.arch .note{animation:fade .6s ease both}
@keyframes set{from{opacity:0;transform:translateY(-26px)}to{opacity:1;transform:none}}
@keyframes drop{from{opacity:0;transform:translateY(-70px)}to{opacity:1;transform:none}}
@keyframes fade{from{opacity:0}to{opacity:1}}
@media (prefers-reduced-motion: reduce){.arch .st,.arch .key,.arch .note{animation:none}}
.path{list-style:none;margin:0;padding:0 0 64px;display:grid;grid-template-columns:repeat(4,1fr);gap:0 24px;border-top:2px solid var(--ink)}
.path li{position:relative;padding-top:24px;display:grid;gap:4px;align-content:start;min-width:0}
.path li::before{content:"";position:absolute;top:-8px;left:0;width:14px;height:14px;background:var(--arch)}
.path li.own::before{background:var(--bronze)}
.path .when{font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:500}
.path .what{font-family:var(--display);font-weight:600;font-size:1.22rem;line-height:1.25}
.path .sub{font-size:.95rem;color:var(--muted)}
@media (max-width:900px){.hero .top-row{grid-template-columns:1fr;gap:28px;padding-block:40px 32px}.arch{max-width:380px}}
@media (max-width:760px){.path{grid-template-columns:1fr 1fr;gap:28px 20px;border-top:0}.path li{border-top:2px solid var(--ink)}}

.proof{border-block:1px solid var(--line);background:var(--paper)}
.proof .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding-block:24px}
.proof div{font-size:.95rem;color:var(--muted)}
.proof strong{display:block;color:var(--ink);font-weight:600;font-size:1rem}
@media (max-width:720px){.proof .wrap{grid-template-columns:1fr;gap:14px}}

section.block{padding-block:96px}
section.white{background:var(--paper);border-block:1px solid var(--line)}
@media (max-width:720px){section.block{padding-block:64px}}
.head{display:grid;gap:16px;max-width:760px;margin-bottom:48px}

/* who */
.who{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.who article{border-top:2px solid var(--sage);padding-top:22px;display:grid;gap:12px;align-content:start;min-width:0}
.who .share{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:500}
.who p{color:var(--muted)}
.fit{margin-top:44px;background:var(--tint);border-radius:10px;padding:28px 30px;display:grid;grid-template-columns:auto 1fr;gap:12px 32px;align-items:start}
.fit h3{font-size:1.3rem}
.fit ul{margin:0;padding-left:1.1em;display:grid;gap:4px}
.fit .aside{grid-column:2;color:var(--muted);font-size:1rem}
@media (max-width:860px){.who{grid-template-columns:1fr}.fit{grid-template-columns:1fr}.fit .aside{grid-column:1}}

/* benefits */
.gets{display:grid;grid-template-columns:repeat(3,1fr);gap:44px 36px}
.gets article{display:grid;gap:10px;align-content:start;min-width:0}
.gets .k{font-weight:500;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.gets p{color:var(--muted)}
@media (max-width:900px){.gets{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.gets{grid-template-columns:1fr;gap:32px}}

/* phases */
.phases{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--paper)}
.phase{padding:34px 32px;display:grid;gap:14px;align-content:start;min-width:0}
.phase + .phase{border-left:1px solid var(--line);background:var(--tint)}
.phase .tag{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;font-weight:500;color:var(--muted)}
.phase h3{font-size:1.9rem;font-weight:800}
.phase ul{margin:6px 0 0;padding-left:1.1em;color:var(--muted);display:grid;gap:6px}
.phase.two h3{color:var(--accent)}
@media (max-width:760px){.phases{grid-template-columns:1fr}.phase + .phase{border-left:0;border-top:1px solid var(--line)}}
.steps{list-style:none;padding:0;margin:56px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:s}
.steps li{counter-increment:s;display:grid;gap:8px;align-content:start;min-width:0}
.steps li::before{content:counter(s);font-family:var(--display);font-weight:800;font-size:2.4rem;line-height:1;color:var(--ink)}
.steps strong{font-weight:600}
.steps span{color:var(--muted);font-size:.98rem}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.steps{grid-template-columns:1fr}}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;background:var(--paper);border:1px solid var(--line);border-radius:10px;overflow:hidden}
.calc .in{padding:36px;display:grid;gap:30px;align-content:start;min-width:0}
.calc .out{padding:36px;background:var(--tint);display:grid;gap:22px;align-content:start;min-width:0}
@media (max-width:860px){.calc{grid-template-columns:1fr}.calc .in,.calc .out{padding:26px 20px}}
.field{display:grid;gap:10px}
.field .row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.field label,.field .lbl{font-weight:500;font-size:.98rem}
.field output{font-family:var(--display);font-weight:800;font-size:1.6rem}
.hint{font-size:.88rem;color:var(--muted)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:6px;background:linear-gradient(to right,var(--sage) 0 var(--p,50%),var(--line) var(--p,50%) 100%)}
input[type=range]::-moz-range-track{height:6px;border-radius:6px;background:var(--line)}
input[type=range]::-moz-range-progress{height:6px;border-radius:6px;background:var(--sage)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:var(--paper);border:3px solid var(--ink);margin-top:-10px;box-shadow:0 1px 4px rgba(0,0,0,.18)}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--paper);border:3px solid var(--ink)}
.seg{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.seg button{font:500 .95rem var(--body);background:transparent;color:var(--ink);border:0;padding:12px 0;cursor:pointer;display:grid;gap:2px}
.seg button + button{border-left:1px solid var(--line)}
.seg button small{font-weight:400;font-size:.75rem;color:var(--muted)}
.seg button[aria-pressed=true]{background:var(--ink);color:var(--bg)}
.seg button[aria-pressed=true] small{color:var(--bg);opacity:.8}
.out .big{font-family:var(--display);font-weight:800;font-size:clamp(2.6rem,5vw,3.6rem);line-height:1;color:var(--ink)}
.out .big-l{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:500;margin-bottom:8px}
.out dl{display:grid;grid-template-columns:1fr auto;gap:10px 18px;margin:0;font-size:.98rem;border-top:1px solid color-mix(in srgb, var(--sage) 45%, transparent);padding-top:18px}
.out dt{color:var(--muted)}
.out dd{margin:0;text-align:right;font-weight:500}
.out dd.credit{color:var(--accent)}
.nudge{background:var(--paper);border:1px solid var(--sage);border-radius:12px;padding:12px 14px;font-size:.95rem}
.nudge strong{font-weight:600}
.ladder{display:grid;gap:8px}
.ladder .l-lbl{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:500}
.track{position:relative;height:56px;margin:0 32px 0 14px}
.track .bar{position:absolute;left:0;right:0;top:20px;height:6px;border-radius:6px;background:var(--stone)}
.track .zone{position:absolute;top:20px;height:6px;right:0;border-radius:0 6px 6px 0;background:var(--sage)}
.track .tick{position:absolute;top:0;transform:translateX(-50%);font-size:.72rem;color:var(--muted);line-height:1.2;white-space:nowrap}
.track .tick.b{top:34px}
.track .dot{position:absolute;top:15px;width:16px;height:16px;border-radius:50%;background:var(--paper);border:3px solid var(--ink);transform:translateX(-50%);transition:left .2s ease}
.small{font-size:.85rem;color:var(--muted)}

/* example */
.example{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.ex-card{border:1px solid var(--line);border-radius:10px;background:var(--paper);padding:28px;display:grid;gap:14px;min-width:0}
.ex-card h3{font-size:1.25rem}
.ex-rows{display:grid;grid-template-columns:1fr auto;gap:8px 18px;font-size:.98rem}
.ex-rows span:nth-child(even){text-align:right;font-weight:500}
.ex-rows .t{border-top:1px solid var(--line);padding-top:8px;font-weight:600}
.routes{display:grid;gap:16px;min-width:0}
.route{display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center;border-top:1px solid var(--line);padding-top:16px}
.route .letter{font-family:var(--display);font-weight:800;font-size:1.8rem;color:var(--accent);width:1.2em}
.route .d strong{display:block;font-weight:600}
.route .d span{color:var(--muted);font-size:.95rem}
.route .amt{font-family:var(--display);font-weight:800;font-size:1.5rem;text-align:right;white-space:nowrap}
.route .amt small{display:block;font-family:var(--body);font-weight:400;font-size:.78rem;color:var(--muted)}
@media (max-width:860px){.example{grid-template-columns:1fr}}
@media (max-width:480px){.route{grid-template-columns:auto 1fr}.route .amt{grid-column:2;text-align:left}}

/* about */
.about{display:grid;grid-template-columns:1fr 1fr;gap:56px}
.about .lede{margin-top:20px}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:28px 24px;margin-top:36px}
.facts div{border-top:1px solid var(--line);padding-top:14px}
.facts strong{display:block;font-family:var(--display);font-weight:800;font-size:1.7rem}
.facts span{font-size:.92rem;color:var(--muted)}
.quotes{display:grid;gap:22px;align-content:start}
blockquote{margin:0;background:var(--tint);border-radius:10px;padding:22px 24px}
blockquote p{font-family:var(--display);font-weight:600;font-size:1.15rem;line-height:1.4}
blockquote cite{display:block;font-style:normal;margin-top:10px;font-size:.88rem;color:var(--muted)}
.quotes .note{font-size:.82rem;color:var(--muted)}
@media (max-width:860px){.about{grid-template-columns:1fr;gap:44px}}

/* faq */
.faq{max-width:860px}
details{border-top:1px solid var(--line)}
details:last-child{border-bottom:1px solid var(--line)}
summary{list-style:none;cursor:pointer;padding:20px 40px 20px 0;position:relative;font-family:var(--display);font-weight:600;font-size:1.2rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:16px;font-family:var(--body);font-weight:300;font-size:1.6rem;color:var(--accent)}
details[open] summary::after{content:"–"}
details .a{padding:0 0 22px;color:var(--muted);display:grid;gap:12px;max-width:68ch}
.tbl{overflow-x:auto}
table{border-collapse:collapse;font-size:.95rem;min-width:300px}
th,td{text-align:left;padding:8px 18px 8px 0;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
th{font-weight:500;color:var(--ink)}

/* apply */
.apply{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.contact-list{display:grid;gap:16px;margin-top:28px}
.contact-list div{border-top:1px solid var(--line);padding-top:12px}
.contact-list span{display:block;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:500}
.contact-list a{font-family:var(--display);font-weight:600;font-size:1.35rem;text-decoration:none}
form{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:18px}
form .full{grid-column:1/-1}
.f{display:grid;gap:6px;min-width:0}
.f label{font-size:.9rem;font-weight:500}
.f input,.f select,.f textarea{font:400 1rem var(--body);color:var(--ink);background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:12px;width:100%}
.f textarea{min-height:90px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{outline:2px solid var(--accent);outline-offset:0;border-color:transparent}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted)}
.consent input{margin-top:4px;accent-color:var(--accent);width:18px;height:18px;flex:none}
.err{color:#B3261E;font-size:.9rem}
.done{grid-column:1/-1;display:grid;gap:12px}
.done h3{font-size:1.6rem}
@media (max-width:860px){.apply{grid-template-columns:1fr;gap:36px}}
@media (max-width:560px){form{grid-template-columns:1fr;padding:22px 18px}}

footer{border-top:1px solid var(--line);color:var(--muted);font-size:.9rem}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;padding-block:36px calc(36px + env(safe-area-inset-bottom,0px))}
footer .mark{color:var(--ink)}

.wa-float{position:fixed;right:calc(18px + env(safe-area-inset-right,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));z-index:30;background:var(--fill);color:var(--fill-ink);border-radius:6px;padding:14px 18px;font:500 .95rem var(--body);text-decoration:none;box-shadow:0 6px 20px rgba(0,0,0,.2)}
@media (min-width:861px){.wa-float{display:none}}