:root{--navy:#0d1b2e;--navy2:#1d3557;--gold:#c9a24b;--bg:#f4f7fb;--line:#e3e8f0;--text:#1d2533;--mut:#5a6476}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;background:var(--bg);color:var(--text);line-height:1.5}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.top{background:#fff;border-bottom:1px solid var(--line)}.topin{display:flex;justify-content:space-between;align-items:center;padding:14px 20px;flex-wrap:wrap;gap:6px}
.brand{display:flex;align-items:baseline;gap:8px}.wm{font-family:Georgia,serif;font-weight:700;letter-spacing:.28em;color:var(--navy);border-bottom:2px solid var(--gold);padding-bottom:2px}.wm2{font-family:Georgia,serif;font-style:italic;color:var(--navy2)}
.partner{font-size:.85rem;color:var(--navy2);background:#eef2f8;padding:4px 10px;border-radius:999px}
.hero{background:linear-gradient(180deg,#e9eff7,var(--bg));padding:32px 0 40px}
.grid{display:grid;gap:28px}@media(min-width:900px){.grid{grid-template-columns:1fr 480px;align-items:start}.hero{padding:64px 0}}
.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.15em;font-size:.78rem;font-weight:600;margin:0}
h1{font-family:Georgia,serif;font-size:2.1rem;line-height:1.15;color:var(--navy);margin:.3em 0}@media(min-width:900px){h1{font-size:3rem}}
h2{color:var(--navy);font-size:1.25rem;margin:0 0 6px}h3{color:var(--navy);margin:6px 0}
.lead{font-size:1.1rem;color:#33405a}
.trust{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}.trust li{display:flex;gap:10px;align-items:center}
.ic{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:50%;background:#fff;border:1px solid var(--line);color:var(--navy);font-size:.8rem}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 10px 30px rgba(13,27,46,.07)}
.steps{display:flex;align-items:center;margin-bottom:16px}.dot{width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--line);color:var(--mut);font-size:.8rem;font-weight:600}.dot.on{background:var(--navy);color:#fff}.line{flex:1;height:2px;background:var(--line);margin:0 6px}
.pane{display:none}.pane.on{display:block;animation:f .3s}@keyframes f{from{opacity:0;transform:translateY(4px)}}
label{display:block;margin:10px 0;font-size:.9rem;color:#33405a;font-weight:500}
input:not([type=checkbox]):not([type=range]),select{display:block;width:100%;margin-top:5px;padding:12px;font-size:1rem;border:1px solid #cfd7e3;border-radius:10px;background:#fff;color:var(--text)}
input:focus,select:focus{outline:2px solid var(--navy2);border-color:transparent}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
input[type=range]{width:100%;accent-color:var(--navy)}
.tog{display:flex;gap:8px;align-items:center}.check{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;font-weight:400}.check input{margin-top:3px;width:18px;height:18px;flex:none}
.btn{display:inline-block;border:0;border-radius:999px;padding:13px 24px;font-size:1rem;cursor:pointer;font-weight:600}
.gold{background:var(--gold);color:var(--navy)}.ghost{background:transparent;border:1px solid var(--navy);color:var(--navy)}.wide{width:100%;margin-top:8px}
.navr{display:flex;justify-content:space-between;margin-top:14px}
.link{background:none;border:0;color:var(--navy2);text-decoration:underline;cursor:pointer;padding:0;margin:6px 0;font-size:.9rem}
.assume{font-size:.82rem;background:#f6f1e3;border-left:3px solid var(--gold);padding:8px 10px;border-radius:4px}
.big{font-family:Georgia,serif;font-size:2.6rem;color:var(--navy);font-weight:700;transition:filter .4s}.blur{filter:blur(9px);user-select:none}
.small,.fine{font-size:.8rem;color:var(--mut)}.err{color:#a3261b;font-size:.88rem;min-height:1em;margin:4px 0}
table{width:100%;border-collapse:collapse;font-size:.9rem}td{padding:7px 0;border-bottom:1px solid #eef1f5}td:last-child{text-align:right}tr.t td{font-weight:700;border-top:2px solid var(--navy)}
.tag{font-size:.68rem;color:var(--gold);text-transform:uppercase;margin-left:4px}.thanks{background:#eef4ee;padding:12px;border-radius:10px}
.how{padding:30px 0 40px}.cols{display:grid;gap:16px;margin:14px 0 20px}@media(min-width:760px){.cols{grid-template-columns:repeat(3,1fr)}}
.n{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:700}
footer{background:var(--navy);color:#d9dfe9;padding:26px 0;font-size:.8rem}footer a{color:var(--gold)}
[hidden]{display:none!important}
.policy{padding:30px 20px 40px;max-width:760px}.policy h1{font-size:2.2rem}.policy h2{margin-top:26px}
textarea{display:block;width:100%;margin-top:5px;padding:12px;font:inherit;border:1px solid #cfd7e3;border-radius:10px}
.consent a{color:var(--navy2)}
small{display:block;font-weight:400;color:var(--mut);font-size:.78rem;margin-top:4px}
.stepl{font-size:.78rem;color:var(--gold);font-weight:600;text-transform:uppercase;letter-spacing:.08em;margin:0 0 2px}
.why{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:8px}.why li{padding-left:14px;border-left:3px solid var(--gold)}
.reassure{font-size:.82rem;color:var(--navy2);text-align:center;margin:6px 0 0}.meaning{font-size:1rem;color:var(--navy)}
.next{background:#eef4ee;padding:12px 14px;border-radius:10px;margin-top:12px}.next h3{font-size:1rem}
.logo{display:block;height:44px;width:auto}@media(min-width:900px){.logo{height:52px}}

/* nav */
.top{position:sticky;top:0;z-index:20}.topin{position:relative}.brand{display:flex}
.nav{display:flex;gap:4px;flex-wrap:wrap}.nav a{color:var(--navy);text-decoration:none;font-weight:500;font-size:.93rem;padding:8px 10px;border-radius:8px}.nav a:hover,.nav a.on{background:#eef2f8;color:var(--navy)}.nav a.on{box-shadow:inset 0 -2px 0 var(--gold)}
.burger{display:none;background:none;border:0;padding:10px;cursor:pointer}.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}
@media(max-width:899px){.burger{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;padding:8px 20px 16px;border-bottom:1px solid var(--line);box-shadow:0 12px 20px rgba(13,27,46,.08)}.nav.open{display:flex}.nav a{padding:12px 6px;font-size:1rem;border-bottom:1px solid #f0f2f6;border-radius:0}}
.partner{display:inline-block;margin:0 0 8px}
/* pages */
.pagehead{background:linear-gradient(180deg,#e9eff7,var(--bg));padding:40px 0 24px}.pagehead h1{font-size:2rem}@media(min-width:900px){.pagehead h1{font-size:2.6rem}}
.narrow{max-width:780px}.prose{padding-bottom:20px;font-size:1.05rem}.prose h2{margin-top:28px;font-size:1.3rem}.prose li{margin:6px 0}.prose a{color:var(--navy2)}
.crumb{font-size:.85rem;color:var(--mut);margin:0}.crumb a{color:var(--navy2)}
.tip{background:#eef2f8;border-left:3px solid var(--navy2);padding:10px 12px;border-radius:4px;font-size:.95rem}
.sources{margin-top:28px;padding:16px;background:#fff;border:1px solid var(--line);border-radius:12px}.sources h3{font-size:1rem}.sources ul{margin:6px 0 0;padding-left:18px;font-size:.92rem}
.checks{list-style:none;padding:0}.checks li{padding-left:28px;position:relative}.checks li:before{content:"\2713";position:absolute;left:0;color:var(--gold);font-weight:700}
.topic{margin:26px 0}.gcards{display:grid;gap:14px;margin-top:12px}@media(min-width:700px){.gcards{grid-template-columns:repeat(2,1fr)}}@media(min-width:1000px){.gcards{grid-template-columns:repeat(3,1fr)}}
.gcard{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;color:var(--text);transition:.15s;box-shadow:0 4px 14px rgba(13,27,46,.04)}.gcard:hover{border-color:var(--gold);transform:translateY(-2px)}.gcard h3{font-size:1.05rem}.gcard p{margin:6px 0 10px;color:#33405a;font-size:.93rem}.gcard span{color:var(--navy2);font-weight:600;font-size:.88rem}
.learnteaser{padding:36px 0 6px}.learnteaser h2{font-family:Georgia,serif;font-size:1.8rem;margin:.2em 0}
.cta{padding:30px 0 44px}.ctabox{background:var(--navy);color:#fff;border-radius:18px;padding:28px;text-align:center}.ctabox h2{color:#fff;font-family:Georgia,serif;font-size:1.6rem}.ctabox p{color:#d9dfe9;max-width:560px;margin:8px auto 18px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:10px 0}.faq summary{font-weight:600;color:var(--navy);cursor:pointer}.faq p{margin:10px 0 0}.faq a{color:var(--navy2)}
.fnav{display:flex;flex-wrap:wrap;gap:6px 16px;margin-bottom:12px}.fnav a{color:#fff;text-decoration:none;font-size:.85rem}.fnav a:hover{color:var(--gold)}
.cols .card p{margin:4px 0 0}
.calcwrap{display:grid;gap:18px;padding:10px 20px 10px;max-width:820px}.calcwrap .card h2{font-size:1.15rem;margin-top:8px}
.card.sub{padding:14px;margin:10px 0;box-shadow:none;background:#fafbfd}.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.headline{text-align:center}.headline .big{font-size:2.2rem}.protect{background:#f6f1e3;border-color:#ecdcb4}.protect a{color:var(--navy);font-weight:600}
.cmp{width:100%;border-collapse:collapse;font-size:.9rem;margin:8px 0}.cmp th{text-align:left;color:var(--mut);font-weight:600;padding:6px 4px;border-bottom:2px solid var(--navy)}.cmp td{padding:8px 4px;border-bottom:1px solid #eef1f5;text-align:left}
.related ul{margin:6px 0 0;padding-left:18px}.related a{color:var(--navy2)}.gcard.feat{border-color:var(--gold);background:#fffaf0}.gcard .eyebrow{margin-bottom:4px}
@media(max-width:600px){.cmp{font-size:.8rem}.row3{grid-template-columns:1fr 1fr 1fr}}
.cbs{display:grid;gap:6px;margin:6px 0 10px}@media(min-width:700px){.cbs{grid-template-columns:1fr 1fr}}.cb{display:flex;gap:8px;align-items:center;margin:0;font-weight:400;background:#fafbfd;border:1px solid var(--line);border-radius:8px;padding:8px 10px}.cb input{width:18px;height:18px}
.ql{font-size:.9rem;font-weight:500;color:#33405a;margin:14px 0 4px}small.blk{display:block;margin:-4px 0 8px}#quote .steps .dot{flex:none}
.featrow{margin-bottom:14px}@media(min-width:700px){.featrow{grid-template-columns:repeat(2,1fr)!important}}#calculator~.lirow .featrow,.lirow .featrow{grid-template-columns:1fr}@media(min-width:900px){.lirow .featrow{grid-template-columns:repeat(3,1fr)!important}}
.gcard.fbig{padding:24px;border-width:2px}.gcard.fbig h3{font-size:1.35rem}.gcard.fbig .btn{display:inline-block;margin-top:6px}.lirow{padding:22px 0 6px}
.nav a.navq{background:var(--gold);color:var(--navy)!important;border-radius:8px;font-weight:700}
.card.protect.strong{border:2px solid var(--gold);background:#fffaf0;padding:20px;margin:20px auto}.pbtns{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}.pbtns .btn{text-decoration:none}.fquick{margin-bottom:10px}
.advhelp{margin:14px 0 4px;padding:16px;border:2px solid var(--gold);border-radius:12px;background:#fffaf0}.advhelp p{margin:0 0 8px}

/* ===== Blog (added v4) ===== */
.answer{background:#fffaf0;border:2px solid var(--gold);border-radius:14px;padding:16px 18px;margin:18px 0}.answer p{margin:4px 0}.answer .eyebrow{margin-bottom:2px}
.byline{font-size:.92rem;color:var(--mut);margin:8px 0 0}.byline a{color:var(--navy2);font-weight:600}
.bio{margin:28px 0}.bioin{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px}.bioin h3{margin:2px 0}.bioin p{margin:6px 0}.bioin a{color:var(--navy2)}.biorole{font-weight:600;color:#33405a}
.faq h3{font-size:1.05rem;margin:18px 0 4px}.faq p{margin:0 0 6px}
.cmp{width:100%;border-collapse:collapse;margin:14px 0;font-size:.95rem;background:#fff}.cmp th,.cmp td{border:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top}.cmp thead th{background:#eef2f8;color:var(--navy)}.cmp tbody th{background:#fafbfd;font-weight:600}
@media(max-width:600px){.cmp{font-size:.85rem}.cmp th,.cmp td{padding:7px 6px}}

/* ===== AEO (added v5) ===== */
.runline{font-size:.92rem;margin:10px 0 18px;padding:8px 12px;background:#eef2f8;border-radius:8px}.runline a{color:var(--navy2);font-weight:600}.nextstep{font-size:.95rem}.answer .btn{margin-top:6px;text-decoration:none}