/* RetirementIQ site system, from the brochure: cream ground, navy type, gold rules, Lora throughout.
   Single light brand look by choice (matches the printed brochure, bio and business card). */
:root{
  --cream:#F7F2E8;   /* page ground, from the brochure */
  --paper:#FFFDF8;   /* raised panels */
  --navy:#1C2F4F;    /* headings, brand */
  --gold:#A47E48;    /* labels, rules */
  --ink:#2C2A27;     /* body text */
  --mute:#6E675D;    /* captions, fine print */
  --line:#DED4C2;
  --serif:"Lora", Georgia, "Times New Roman", serif;
  color-scheme:light;
}
*{box-sizing:border-box}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--serif);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
a:focus-visible,.btn:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding-inline:clamp(16px,4vw,40px)}
h1,h2,h3{color:var(--navy);font-weight:500;line-height:1.15;text-wrap:balance;margin:0}
h1{font-size:clamp(34px,5.2vw,56px);letter-spacing:-.01em}
h2{font-size:clamp(28px,3.6vw,40px)}
h3{font-size:19px;font-weight:600}
p{margin:0;max-width:62ch}
.eyebrow{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.lead{font-size:clamp(18px,1.9vw,21px);line-height:1.6}
.stack{display:flex;flex-direction:column;gap:18px}
.rule{width:56px;height:1.5px;background:var(--gold);border:0;margin:0}
.fill{background:linear-gradient(transparent 62%,rgba(164,126,72,.28) 62%);color:var(--navy);font-style:italic;white-space:nowrap}
.btns{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-block;padding:12px 22px;font-size:15px;text-decoration:none;border:1px solid var(--navy);transition:background .2s,color .2s}
.btn.solid{background:var(--navy);color:var(--paper)}
.btn.solid:hover{background:#13223B}
.btn.ghost{color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:var(--paper)}
figure{margin:0}
figcaption{font-size:13.5px;color:var(--mute);font-style:italic;margin-top:10px;line-height:1.5}

/* hero */
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(28px,5vw,72px);align-items:center;padding-block:clamp(40px,7vw,88px)}
.hero .text{min-width:0}
.creds{font-size:13px;letter-spacing:.2em;color:var(--gold)}
.titles{font-style:italic;font-size:16px;line-height:1.5}
.portrait{position:relative}
.portrait img{width:100%;aspect-ratio:4/5;object-fit:cover;box-shadow:0 1px 0 var(--line)}
.portrait::before{content:"";position:absolute;inset:18px -18px -18px 18px;border:1px solid var(--gold);z-index:-1}
.portrait{isolation:isolate;margin-right:18px}
.hero{overflow-x:clip}
.stats{display:grid;grid-template-columns:repeat(3,auto);gap:clamp(18px,4vw,44px);justify-content:start;padding-top:22px;border-top:1px solid var(--line)}
.stats b{display:block;font-size:34px;font-weight:400;color:var(--gold);line-height:1;font-variant-numeric:tabular-nums}
.stats span{font-size:13px;color:var(--mute);line-height:1.4;display:block;margin-top:6px;max-width:16ch}

/* chapters */
.chapter{padding-block:clamp(56px,8vw,104px);border-top:1px solid var(--line)}
.chap-label{display:flex;align-items:baseline;gap:14px;margin-bottom:22px}
.chap-label .n{font-size:13px;color:var(--gold);font-variant-numeric:tabular-nums}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,72px);align-items:center}
.split>*{min-width:0}
.split.rev .media{order:-1}

/* career list */
.career{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:40px}
.career div{border-top:1.5px solid var(--gold);padding-top:14px}
.career p{font-size:15px;color:var(--ink);margin-top:6px}
.quote{font-style:italic;font-size:clamp(20px,2.2vw,24px);color:var(--navy);line-height:1.45;max-width:30ch}

/* everest */
.everest{background:var(--navy);color:#E9E2D4;border-top:0}
.everest h2,.everest h3{color:var(--paper)}
.everest .eyebrow,.everest .chap-label .n{color:#C9A46C}
.everest figcaption{color:#B9B2A4}
.everest .fill{color:var(--paper);background:linear-gradient(transparent 62%,rgba(201,164,108,.38) 62%)}
.alt{display:inline-block;align-self:flex-start;font-size:13px;letter-spacing:.18em;color:#C9A46C;border:1px solid rgba(201,164,108,.5);padding:4px 10px;margin-bottom:6px;font-variant-numeric:tabular-nums}
.bigphoto{margin-block:40px 56px}
.bigphoto img{width:100%;aspect-ratio:16/10;object-fit:cover;object-position:60% 55%}
.guide-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;margin-top:48px}
.guide-grid div{border-top:1px solid rgba(201,164,108,.55);padding-top:14px}
.guide-grid h3{font-size:17px;margin-bottom:8px}
.guide-grid p{font-size:15px;line-height:1.6}
.everest .closing{margin-top:44px;font-style:italic;font-size:clamp(19px,2vw,22px);color:var(--paper);max-width:46ch}
.everest{padding-top:0}
.panorama{margin:0 0 clamp(48px,7vw,88px)}
.panorama img{width:100%;height:clamp(260px,46vw,560px);object-fit:cover;object-position:50% 40%}
.plane img{aspect-ratio:4/5;object-fit:cover;width:100%}

/* cars */
.widephoto img{width:100%;aspect-ratio:16/9;object-fit:cover;object-position:50% 80%}
.own{margin-top:clamp(48px,6vw,80px);padding-top:clamp(36px,5vw,56px);border-top:1px solid var(--line)}
.own img{width:100%;aspect-ratio:4/3;object-fit:cover}
.lap{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(28px,5vw,72px);margin-top:44px;align-items:start}
.lap>*{min-width:0}
.corners{list-style:none;padding:0;margin:6px 0 0;display:flex;flex-direction:column;gap:10px}
.corners li{display:grid;grid-template-columns:64px 1fr;gap:12px;font-size:15.5px;border-bottom:1px solid var(--line);padding-bottom:10px}
.corners li b{font-weight:500;color:var(--gold);font-size:13px;letter-spacing:.12em}
.mine img{width:100%;aspect-ratio:4/3;object-fit:cover}

/* close */
.close{background:var(--paper);text-align:left}
.close .inner{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:end}
.close .inner>*{min-width:0}

@media (max-width:860px){
  .hero .wrap,.split,.lap,.close .inner{grid-template-columns:1fr}
  .split.rev .media{order:0}
  .portrait{max-width:420px}
  .career{grid-template-columns:1fr}
  .guide-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:520px){
  body{font-size:16px}
  .guide-grid{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(3,1fr)}
  .stats b{font-size:28px}
  .top nav{gap:14px}
  .widephoto img{aspect-ratio:4/3}
  .fill{white-space:normal}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* ---------- site chrome ---------- */
.skip{position:absolute;left:-999px}
.skip:focus{left:16px;top:8px;background:var(--paper);padding:8px 12px;z-index:9}
.top{border-bottom:1px solid var(--line);background:var(--cream);position:sticky;top:env(safe-area-inset-top,0px);z-index:5}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px 24px;padding-block:14px;flex-wrap:wrap}
.top .logo img{height:40px;width:auto}
.top nav{display:flex;gap:6px 22px;font-size:14.5px;flex-wrap:wrap;align-items:center}
.top nav a{text-decoration:none;color:var(--ink);padding-block:4px}
.top nav a:hover{color:var(--navy)}
.top nav a[aria-current]{color:var(--navy);border-bottom:1.5px solid var(--gold)}
.top .btn{padding:9px 16px;font-size:14px}
footer{border-top:1px solid var(--line);padding-block:48px 56px;font-size:13px;color:var(--mute);background:var(--cream)}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px;margin-bottom:36px}
.foot-grid>*{min-width:0}
.foot-grid h4{margin:0 0 10px;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:500}
.foot-grid a{color:var(--ink);text-decoration:none;display:block;padding-block:3px;font-size:14px}
.foot-grid a:hover{color:var(--navy);text-decoration:underline}
.foot-tag{font-style:italic;color:var(--navy);font-size:17px;margin-top:10px}
.marks{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-bottom:22px;padding-top:28px;border-top:1px solid var(--line)}
.marks .pair{display:flex;align-items:center;gap:18px}
.marks .pair img{width:150px;height:auto}
.marks .div{width:1px;height:40px;background:var(--line)}
.marks .kya img{width:140px;height:auto}
.marks .cipf{border:1px dashed var(--line);padding:8px 12px;font-size:12px;color:var(--mute)}
.legal{display:flex;flex-wrap:wrap;gap:6px 18px;margin-bottom:14px}
.legal a{color:var(--mute)}
footer p{max-width:110ch;line-height:1.6}

/* ---------- shared page parts ---------- */
.section{padding-block:clamp(56px,8vw,104px);border-top:1px solid var(--line)}
.section.flush{border-top:0}
.section.paper{background:var(--paper)}
.navyband{background:var(--navy);color:#E9E2D4;border-top:0}
.navyband h2,.navyband h3{color:var(--paper)}
.navyband .eyebrow{color:#C9A46C}
.navyband .btn.solid{background:var(--gold);border-color:var(--gold);color:#fff}
.navyband .btn.solid:hover{background:#8E6B3B}
.navyband .btn.ghost{color:var(--paper);border-color:rgba(255,253,248,.6)}
.navyband .btn.ghost:hover{background:var(--paper);color:var(--navy)}
.head{display:flex;flex-direction:column;gap:14px;margin-bottom:clamp(32px,4vw,48px);max-width:720px}
.phero .wrap{padding-block:clamp(48px,7vw,96px) clamp(40px,5vw,64px)}
.phero .head{margin:0;max-width:760px}
.tm{font-size:.5em;vertical-align:super}

/* home hero */
.hhero .wrap{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:center;padding-block:clamp(40px,6vw,80px)}
.hhero .wrap>*{min-width:0}
.hhero h1{font-size:clamp(38px,5.6vw,64px)}
.hhero h1 em{font-style:italic;color:var(--gold);font-weight:400}
.hhero .photo img{width:100%;aspect-ratio:5/4;object-fit:cover;object-position:62% 50%}

/* photo hero */
.hhero2{position:relative;overflow:hidden;background:#fff}
.hhero2 .bg{position:absolute;top:0;right:0;height:100%;width:auto;max-width:none}
.hhero2::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--cream) 0%,var(--cream) 40%,rgba(247,242,232,0) 54%);z-index:1}
.hhero2{background:var(--cream)}
.hhero2 .wrap{position:relative;z-index:2;padding-block:clamp(72px,10vw,140px)}
.hhero2 .stack{max-width:470px}
.hhero2 h1{font-size:clamp(38px,5.6vw,64px)}
.hhero2 h1 em{font-style:italic;color:var(--gold);font-weight:400}
.photoband{position:relative;color:#fff}
.photoband img{width:100%;height:clamp(320px,42vw,540px);object-fit:cover;object-position:70% 50%}
.photoband::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(247,242,232,.75) 0%,rgba(247,242,232,.35) 38%,rgba(247,242,232,0) 55%)}
.photoband .wrap{position:absolute;inset:0;display:flex;align-items:center;justify-content:flex-start;padding-block:40px;z-index:1}
.bandquote{font-style:italic;font-size:clamp(22px,2.8vw,34px);line-height:1.25;color:var(--navy);max-width:18ch}
.bandquote span{display:block;font-style:normal;font-size:15px;letter-spacing:.06em;margin-top:12px;color:var(--ink)}
.wideimg{margin:0}
.wideimg img{width:100%;height:clamp(240px,36vw,460px);object-fit:cover;object-position:50% 55%}
.inset{margin:0 0 clamp(36px,5vw,56px)}
.inset img{width:100%;height:clamp(220px,30vw,380px);object-fit:cover;object-position:50% 40%}
.who > a{padding:0!important;overflow:hidden}
.who a img{width:100%;aspect-ratio:3/2;object-fit:cover;transition:transform .4s}
.who a:hover img{transform:scale(1.03)}
.who a .body{display:flex;flex-direction:column;gap:8px;padding:18px 22px 22px;flex:1}

/* video band */
.video{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(28px,5vw,64px);align-items:center}
.video>*{min-width:0}
.poster{position:relative;display:block;text-decoration:none}
.poster img{width:100%;aspect-ratio:16/10;object-fit:cover;filter:saturate(.9)}
.poster .play{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:76px;height:76px;border-radius:50%;background:rgba(255,253,248,.94);display:grid;place-items:center;transition:transform .2s}
.poster:hover .play{transform:translate(-50%,-50%) scale(1.06)}
.poster .play::after{content:"";border-left:18px solid var(--navy);border-top:11px solid transparent;border-bottom:11px solid transparent;margin-left:5px}
.poster .len{position:absolute;left:14px;bottom:12px;background:rgba(28,47,79,.85);color:#fff;font-size:12.5px;padding:3px 9px;letter-spacing:.06em}

/* question chips (from the brochure) */
.qgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:8px}
.q{display:flex;gap:12px;align-items:center;border:1px solid var(--gold);padding:12px 16px;font-size:15.5px;background:var(--paper)}
.q::before{content:"?";flex:none;width:24px;height:24px;border-radius:50%;background:var(--gold);color:#fff;display:grid;place-items:center;font-size:13px;font-weight:600}
.q.wide{grid-column:1/-1}

/* method steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line)}
.step{padding:26px 26px 30px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:10px}
.step+.step{padding-left:26px;border-left:1px solid var(--line)}
.step:nth-child(3n+1){padding-left:0;border-left:0}
.step .num{font-size:40px;line-height:1;color:var(--gold);font-variant-numeric:tabular-nums}
.step h3{font-size:18.5px}
.step p{font-size:15px}

/* who we help */
.who{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.who a{display:flex;flex-direction:column;gap:8px;background:var(--paper);border:1px solid var(--line);padding:22px 22px 24px;text-decoration:none;color:var(--ink);transition:border-color .2s}
.who a:hover{border-color:var(--gold)}
.who h3{font-size:19px;font-weight:500}
.who p{font-size:14.5px;color:var(--mute)}
.who .more{margin-top:auto;padding-top:8px;font-size:13.5px;color:var(--gold)}

/* scorecard band */
.score{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(28px,5vw,64px);align-items:center}
.score>*{min-width:0}
.facts{display:flex;flex-wrap:wrap;gap:10px 28px;font-size:14.5px;color:#D9D2C3}
.facts b{color:#C9A46C;font-weight:500;font-size:22px;display:block;line-height:1.1;font-variant-numeric:tabular-nums}
.qrcard{background:var(--paper);color:var(--ink);padding:22px;display:flex;gap:18px;align-items:center;max-width:380px}
.qrcard img{width:110px;height:110px}
.qrcard p{font-size:14.5px}

/* meet krystian */
.meet{display:grid;grid-template-columns:.7fr 1.3fr;gap:clamp(28px,5vw,64px);align-items:center}
.meet>*{min-width:0}
.meet img{width:100%;aspect-ratio:4/5;object-fit:cover}

/* posts */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.post{display:flex;flex-direction:column;gap:10px;border-top:1.5px solid var(--gold);padding-top:16px}
.post .meta{font-size:12.5px;color:var(--mute);letter-spacing:.04em;font-variant-numeric:tabular-nums}
.post .pcat{color:var(--gold);text-transform:uppercase;letter-spacing:.16em;font-size:11.5px}
.post h3{font-size:20px;font-weight:500}
.post h3 a{text-decoration:none;color:var(--navy)}
.post h3 a:hover{text-decoration:underline;text-decoration-color:var(--gold)}
.post p{font-size:15px}
.post .read{font-size:14px;color:var(--gold);text-decoration:none;margin-top:auto}

/* newsletter */
.news{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.news>*{min-width:0}
.signup{display:flex;gap:10px;flex-wrap:wrap}
.signup input{flex:1 1 220px;min-width:0;padding:12px 14px;font:inherit;font-size:15px;border:1px solid var(--line);background:#fff;color:var(--ink)}
.signup input:focus,.form input:focus,.form textarea:focus,.form select:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.signup button,.form button{font:inherit;font-size:15px;cursor:pointer}
.ok{font-size:14px;color:var(--navy);font-style:italic}

/* method page */
.asks{columns:2;column-gap:40px;padding:0;margin:0;list-style:none}
.asks li{break-inside:avoid;padding:10px 0 10px 28px;border-bottom:1px solid var(--line);position:relative;font-size:16px}
.asks li::before{content:"?";position:absolute;left:0;top:12px;width:18px;height:18px;border-radius:50%;border:1px solid var(--gold);color:var(--gold);font-size:11px;display:grid;place-items:center}
.timeline{display:flex;flex-direction:column}
.tl{display:grid;grid-template-columns:120px 1fr 1fr;gap:clamp(20px,4vw,48px);padding-block:36px;border-top:1px solid var(--line)}
.tl>*{min-width:0}
.tl .num{font-size:64px;line-height:.9;color:var(--gold);font-variant-numeric:tabular-nums}
.tl .num small{display:block;font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;margin-bottom:8px}
.tl h3{font-size:clamp(21px,2.2vw,26px);font-weight:500;margin-bottom:10px}
.tl .ask{font-style:italic;color:var(--navy);font-size:17px;border-left:1.5px solid var(--gold);padding-left:16px}
.tl ul{margin:0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:8px}
.tl ul li{font-size:13.5px;border:1px solid var(--line);padding:4px 10px;background:var(--paper)}
.tool{background:var(--navy);color:#E9E2D4;padding:18px 20px;display:flex;flex-direction:column;gap:6px}
.tool b{color:var(--paper);font-weight:500;font-size:16px}
.tool span{font-size:11.5px;letter-spacing:.18em;text-transform:uppercase;color:#C9A46C}
.tool p{font-size:14.5px}
.fit{display:flex;flex-wrap:wrap;gap:10px}
.fit span{border:1px solid rgba(201,164,108,.55);padding:8px 14px;font-size:15px;color:#E9E2D4}
.checks{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:0 40px}
.checks li{padding:12px 0 12px 32px;border-bottom:1px solid var(--line);position:relative}
.checks li::before{content:"";position:absolute;left:4px;top:18px;width:12px;height:7px;border-left:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);transform:rotate(-45deg)}

/* scorecard page */
.how{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border-top:1px solid var(--line)}
.how div{padding:22px 18px 22px 0;border-right:1px solid var(--line);display:flex;flex-direction:column;gap:8px}
.how div+div{padding-left:18px}
.how div:last-child{border-right:0}
.how b{font-size:30px;font-weight:400;color:var(--gold);line-height:1;font-variant-numeric:tabular-nums}
.how span{font-size:15.5px;color:var(--navy)}
.cats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.cat{background:var(--paper);border:1px solid var(--line);padding:22px;display:flex;flex-direction:column;gap:8px}
.cat .iq{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.cat h3{font-size:20px;font-weight:500}
.cat p{font-size:15px}
.meter{height:4px;background:var(--line);margin-top:auto;position:relative}
.meter i{position:absolute;left:0;top:0;bottom:0;background:var(--gold)}

/* news page */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:36px}
.filters button{font:inherit;font-size:14px;padding:8px 16px;border:1px solid var(--line);background:var(--paper);color:var(--ink);cursor:pointer}
.filters button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.feature{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,56px);align-items:center;margin-bottom:56px;padding-bottom:56px;border-bottom:1px solid var(--line)}
.feature>*{min-width:0}
.feature .art{background:var(--navy);aspect-ratio:16/10;display:flex;flex-direction:column;justify-content:flex-end;padding:28px;color:#E9E2D4}
.feature .art b{font-size:clamp(26px,3vw,36px);font-weight:400;color:var(--paper);line-height:1.1;font-style:italic}
.feature .art span{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:#C9A46C;margin-bottom:10px}
.posts.all{row-gap:44px}
.note{font-size:13.5px;color:var(--mute);border-left:1.5px solid var(--gold);padding-left:16px;margin-top:56px;max-width:90ch}

/* contact page */
.ways{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:56px}
.way{border:1px solid var(--line);background:var(--paper);padding:24px;display:flex;flex-direction:column;gap:8px}
.way.primary{background:var(--navy);border-color:var(--navy);color:#E9E2D4}
.way.primary h3{color:var(--paper)}
.way.primary .eyebrow{color:#C9A46C}
.way h3{font-size:21px;font-weight:500}
.way .val{font-size:18px;color:var(--navy);user-select:all}
.way .btn{align-self:flex-start;margin-top:auto}
.way.primary .btn{background:var(--gold);border-color:var(--gold);color:#fff}
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.form .full{grid-column:1/-1}
.form label{display:flex;flex-direction:column;gap:6px;font-size:14px;color:var(--navy)}
.form input,.form textarea,.form select{font:inherit;font-size:15.5px;padding:12px 14px;border:1px solid var(--line);background:#fff;color:var(--ink);width:100%}
.form textarea{min-height:140px;resize:vertical}
.form .hint{font-size:13px;color:var(--mute)}
.contact-split{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(28px,5vw,64px);align-items:start}
.contact-split>*{min-width:0}
.expect{list-style:none;padding:0;margin:0;counter-reset:e}
.expect li{counter-increment:e;display:grid;grid-template-columns:36px 1fr;gap:10px;padding:14px 0;border-bottom:1px solid var(--line);font-size:15.5px}
.expect li::before{content:counter(e);color:var(--gold);font-size:22px;line-height:1.1}

@media (max-width:960px){
  .how{grid-template-columns:1fr 1fr}
  .how div{border-right:0;border-bottom:1px solid var(--line);padding-left:0!important}
}
@media (max-width:860px){
  .hhero .wrap,.video,.score,.meet,.news,.feature,.contact-split{grid-template-columns:1fr}
  .steps,.who,.cats,.posts{grid-template-columns:1fr 1fr}
  .step{padding-left:0!important;border-left:0!important;padding-right:20px}
  .tl{grid-template-columns:1fr}
  .ways{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .meet img{max-width:360px}
}
@media (max-width:760px){
  .hhero2::before{background:linear-gradient(180deg,rgba(247,242,232,.2) 0%,var(--cream) 46%)}
  .hhero2 .bg{height:46%;width:auto}
  .hhero2 .wrap{padding-top:clamp(200px,52vw,300px)}
  .photoband .wrap{justify-content:flex-start}
  .bandquote{font-size:20px}
  .photoband::after{background:linear-gradient(180deg,rgba(247,242,232,.8) 0%,rgba(247,242,232,0) 60%)}
  .photoband .wrap{align-items:flex-start}
}
@media (max-width:560px){
  .steps,.who,.cats,.posts,.qgrid,.checks,.foot-grid,.form,.how{grid-template-columns:1fr}
  .asks{columns:1}
  .top nav{gap:4px 14px;font-size:14px}
  .top .btn{display:none}
}

/* answers library */
.faq{display:flex;flex-direction:column;border-top:1.5px solid var(--gold);max-width:860px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:grid;grid-template-columns:1fr 24px;gap:16px;align-items:center;padding:18px 0}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{font-size:18.5px;font-weight:500;margin:0}
.faq summary::after{content:"+";color:var(--gold);font-size:24px;line-height:1;text-align:center;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 40px 20px 0;font-size:16px}
.ans-crumb{font-size:14px;color:var(--mute);display:flex;gap:8px;flex-wrap:wrap}
.ans-crumb a{color:var(--mute)}
.ans-head{padding-block:clamp(36px,5vw,64px) 8px}
.ans-col{max-width:760px}
.ans-head h1{font-size:clamp(32px,4.4vw,50px);margin:12px 0 18px}
.ans-by{display:flex;align-items:center;gap:12px;font-size:14.5px;color:var(--mute);flex-wrap:wrap}
.ans-by img{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:50% 20%}
.ans-by b{color:var(--ink);font-weight:500}
.ans-short{background:var(--navy);color:var(--paper);padding:clamp(20px,3vw,30px);margin:clamp(22px,3vw,32px) 0}
.ans-short .eyebrow{color:var(--gold);margin-bottom:10px}
.ans-short p{font-size:clamp(18px,2vw,20px);line-height:1.6;margin:0;color:var(--paper)}
.ans-keys{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-bottom:clamp(28px,4vw,40px)}
.ans-keys div{background:var(--paper);padding:14px 16px;display:flex;flex-direction:column;gap:4px;min-width:0}
.ans-keys b{font-size:22px;font-weight:500;color:var(--navy);line-height:1.15}
.ans-keys span{font-size:13px;color:var(--mute);line-height:1.4}
.ans-body h2{font-size:clamp(24px,2.8vw,30px);margin:clamp(28px,4vw,40px) 0 12px}
.ans-body p,.ans-body li{font-size:17.5px;line-height:1.7}
.ans-body p{margin:0 0 14px}
.ans-body ul,.ans-body ol{padding-left:22px;margin:0 0 14px;display:flex;flex-direction:column;gap:8px}
.ans-body .tbl{overflow-x:auto;margin:6px 0 16px}
.ans-t{border-collapse:collapse;width:100%;min-width:420px;background:#fff;border:1px solid var(--line);font-variant-numeric:tabular-nums;font-size:15.5px}
.ans-t th{font-weight:500;color:var(--mute);font-size:13px;text-align:left;padding:8px 12px;border-bottom:1px solid var(--line)}
.ans-t td{padding:7px 12px;border-bottom:1px solid var(--line)}
.ans-t td:nth-child(odd){color:var(--navy);font-weight:500}
.ans-ex{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);padding:18px 22px;margin:clamp(24px,3vw,32px) 0}
.ans-ex .eyebrow{margin-bottom:8px}
.ans-ex p{margin:0;font-size:17px;line-height:1.65}
.ans-todo{list-style:none;padding:0!important;counter-reset:t}
.ans-todo li{counter-increment:t;padding-left:40px;position:relative}
.ans-todo li::before{content:counter(t);position:absolute;left:0;top:2px;width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;font-size:13px;display:grid;place-items:center}
.ans-tools{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:8px 0 0}
.ans-tools a{display:flex;flex-direction:column;gap:4px;padding:16px 18px;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:border-color .2s}
.ans-tools a:hover{border-color:var(--gold)}
.ans-tools b{font-weight:500;color:var(--navy)}
.ans-tools span{font-size:14.5px;color:var(--mute)}
.ans-rel{display:flex;flex-direction:column;gap:0;border-top:1px solid var(--line)}
.ans-rel a{padding:14px 0;border-bottom:1px solid var(--line);color:var(--navy);text-decoration:none;font-size:18px;display:flex;justify-content:space-between;gap:16px}
.ans-rel a::after{content:"→";color:var(--gold)}
.ans-rel a:hover{color:var(--gold)}
.ans-src{font-size:13.5px;color:var(--mute);line-height:1.6}
.ans-src a{color:var(--mute)}
.ans-ask{background:var(--navy);color:var(--paper)}
.ans-ask h2,.ans-ask p{color:var(--paper)}
.ans-ask .eyebrow{color:var(--gold)}
.ans-ask .btn.solid{background:var(--gold);border-color:var(--gold);color:#fff}
.ans-ask .btn.ghost{color:var(--paper);border-color:rgba(255,253,248,.5)}
/* hub */
.hub-tools{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:8px}
.hub-search{flex:1 1 280px;font:inherit;font-size:17px;padding:13px 16px;border:1px solid var(--line);background:#fff;color:var(--ink)}
.hub-search:focus{outline:2px solid var(--gold);outline-offset:1px}
.hub-chips{display:flex;flex-wrap:wrap;gap:8px}
.hub-chips button{font:inherit;font-size:14.5px;padding:8px 14px;border:1px solid var(--line);background:var(--paper);color:var(--navy);cursor:pointer}
.hub-chips button[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.hub-card{display:flex;flex-direction:column;gap:10px;padding:22px;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:border-color .2s,transform .2s}
.hub-card:hover{border-color:var(--gold);transform:translateY(-2px)}
.hub-card .eyebrow{font-size:11.5px}
.hub-card h3{font-size:21px;line-height:1.3}
.hub-card p{font-size:15.5px;color:var(--mute);margin:0;line-height:1.55}
.hub-card .more{margin-top:auto;color:var(--navy);font-size:15px}
.hub-group h3.hub-gh{font-size:22px;margin:28px 0 6px;padding-bottom:8px;border-bottom:2px solid var(--gold);display:inline-block}
.hub-none{color:var(--mute)}
.ask-form{display:grid;grid-template-columns:1fr 1fr;gap:14px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);padding:clamp(18px,2.6vw,28px);color:var(--ink)}
.ask-form label{display:flex;flex-direction:column;gap:6px;font-size:14.5px;color:var(--navy);min-width:0}
.ask-form input:not([type=checkbox]),.ask-form textarea{font:inherit;font-size:16px;padding:11px 13px;border:1px solid var(--line);background:var(--paper);color:var(--ink);width:100%;min-width:0;box-sizing:border-box}
.ask-form textarea{min-height:110px;resize:vertical}
.ask-form .full{grid-column:1/-1}
.ask-form .chk{flex-direction:row;align-items:flex-start;gap:10px;color:var(--ink);font-size:15px}
.ask-form .chk input{margin-top:4px;width:17px;height:17px;accent-color:var(--navy);flex:none}
.ask-form .hp{position:absolute!important;left:-9999px}
.ask-form .err{color:#9B2C2C;font-size:14px;margin:0}
.ask-form .fine{font-size:13px;color:var(--mute);margin:0}
.ask-ok{background:#E3F1E8;color:#1F5C38;padding:16px 18px}
#hub [hidden],.ask-wrap [hidden]{display:none!important}
.ansband .wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(24px,4vw,56px);align-items:start}
.ansband .wrap>*{min-width:0}
@media (max-width:900px){.hub-grid{grid-template-columns:1fr 1fr}.ans-keys{grid-template-columns:1fr 1fr}.ansband .wrap{grid-template-columns:1fr}}
@media (max-width:600px){.hub-grid,.ask-form{grid-template-columns:1fr}}
.navdd{position:relative;display:inline-flex;align-items:center;gap:2px}.ddbtn{background:none;border:0;padding:6px 4px;cursor:pointer;color:var(--ink);display:inline-flex;align-items:center}.ddbtn:hover{color:var(--navy)}.ddmenu{display:none;position:absolute;top:100%;left:-14px;padding:10px 0;min-width:220px;background:var(--paper);border:1px solid var(--line);box-shadow:0 14px 30px -18px rgba(28,47,79,.45);z-index:20}.ddmenu a{display:block;padding:9px 18px!important;border:0!important;white-space:nowrap}.ddmenu a:first-child{font-weight:500;color:var(--navy)}.ddmenu a:hover{background:var(--cream)}.ddmenu a[aria-current]{color:var(--navy);font-weight:500;background:var(--cream)}@media (hover:hover){.navdd:hover .ddmenu{display:block}}.navdd:focus-within .ddmenu,.navdd.open .ddmenu{display:block}.navdd::after{content:"";position:absolute;left:0;right:0;top:100%;height:8px}@media (max-width:560px){.ddmenu{min-width:240px;max-width:calc(100vw - 32px)}.ddmenu a{white-space:normal}}