:root{--bg:#151a08;--bg2:#1c220e;--bg3:#232b12;--ink:#f1ece2;--muted:#cfccba;--sage:#bbc191;--olive:#677423;--olive-d:#373f13;--cream:#f1ece2;--paper:#f6f2e9;--dark:#1b200d;--brown:#8a5d3d;--line:rgba(187,193,145,.24);--serif:"Lora",Georgia,"Times New Roman",serif;--sans:"Montserrat","Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.7;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--sage)}
a:hover{color:#fff}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.2;margin:0 0 .5em;text-wrap:balance}
h1{font-size:clamp(2.1rem,5vw,3.5rem)}
h2{font-size:clamp(1.65rem,3.2vw,2.45rem)}
h3{font-size:1.3rem}
h4{font-family:var(--sans);font-weight:500;font-size:.8rem;letter-spacing:.24em;text-transform:uppercase;color:var(--sage);margin:0 0 .9em}
h4 a{color:inherit;text-decoration:none}
h5{font-family:var(--sans);font-weight:400;font-size:1.08rem;line-height:1.6;margin:0 0 1em;color:var(--muted)}
h6{font-family:var(--sans);font-size:.95rem;margin:0 0 .6em}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.1em;padding-left:1.3em}
.tc{text-align:center}
.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.wrap.narrow{width:min(820px,100% - 40px)}
.skip{position:absolute;left:-999px}
.skip:focus{left:10px;top:10px;z-index:100;background:#fff;color:#000;padding:8px 12px}

/* buttons */
.btn{display:inline-block;font-family:var(--sans);font-weight:500;font-size:.92rem;letter-spacing:.02em;text-decoration:none;color:var(--dark);background:var(--sage);border:1px solid var(--sage);border-radius:6px;padding:12px 26px;cursor:pointer;transition:background .2s,color .2s,transform .2s}
.btn:hover{background:#fff;border-color:#fff;color:var(--dark);transform:translateY(-1px)}
.btn.sm{padding:8px 18px;font-size:.82rem}
.btn.ghost{background:transparent;color:inherit;border-color:currentColor}
.btn.ghost:hover{background:var(--sage);color:var(--dark);border-color:var(--sage)}
.btn.glass{background:rgba(241,236,226,.2);border-color:rgba(241,236,226,.35);color:#fff;backdrop-filter:blur(4px);min-width:220px}
.btn.glass:hover{background:rgba(241,236,226,.92);color:var(--dark)}
.btnrow{margin:1.4em 0 0}
.btnrow .btn{margin:0 6px 8px 0}
.btnrow.tc .btn,.tc .btnrow .btn{margin-inline:4px}

/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(21,26,8,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.topbar{font-size:.78rem;border-bottom:1px solid rgba(187,193,145,.12)}
.topbar .wrap{display:flex;justify-content:flex-end;gap:22px;padding:5px 0}
.topbar a{color:var(--muted);text-decoration:none}
.navwrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:10px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand span{font-family:var(--serif);font-size:1.25rem;letter-spacing:.14em;text-transform:uppercase;white-space:nowrap}
.nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:26px}
.nav a{color:var(--ink);text-decoration:none;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;font-weight:500}
.nav a:hover{color:var(--sage)}
.nav a.btn{color:var(--dark);letter-spacing:.06em}
.has-sub{position:relative}
.sub{position:absolute;top:100%;left:-18px;min-width:290px;flex-direction:column;align-items:stretch!important;gap:0!important;background:var(--bg2);border:1px solid var(--line);border-radius:10px;padding:10px 0!important;display:none!important;box-shadow:0 18px 40px rgba(0,0,0,.45)}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.open .sub{display:flex!important}
.sub li a{display:block;padding:9px 20px;letter-spacing:.08em;text-transform:none;font-size:.9rem}
.sub .navlabel{padding:12px 20px 4px;margin-top:6px;border-top:1px solid var(--line);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--sage)}
.sub .navlabel small{display:block;letter-spacing:.02em;text-transform:none;color:var(--muted);font-size:.72rem}
.subbtn,.navbtn{display:none}

/* sections */
.sec{padding:clamp(56px,8vw,104px) 0;position:relative}
.sec.alt{background:var(--bg2)}
.sec .wrap>h2.tc,.sec .wrap>h4.tc{margin-inline:auto}
.sec h2.gap{margin-top:1.8em}
.sublabel{color:var(--muted);margin-top:-.4em}
.narrowp{max-width:820px;margin-inline:auto;color:var(--muted)}
.cols{display:grid;gap:28px;margin-top:1.6em;align-items:start}
.cols.n2{grid-template-columns:repeat(2,minmax(0,1fr))}
.cols.n3{grid-template-columns:repeat(3,minmax(0,1fr))}
.cols.n4{grid-template-columns:repeat(4,minmax(0,1fr))}
.cols.n5,.cols.n6{grid-template-columns:repeat(3,minmax(0,1fr))}
.cols.cards{align-items:stretch}
.cols .cols{margin-top:1em}
.cols>.col{min-width:0}
.col>*:last-child{margin-bottom:0}
.card,.cols.cards>.col{background:rgba(241,236,226,.05);border:1px solid var(--line);border-radius:14px;padding:28px}
.card>*:last-child{margin-bottom:0}
.cols.cards>.col h3{margin-bottom:.5em}
.cols.cards>.col p{color:var(--muted);font-size:.95rem}
a.svc{display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .2s,border-color .2s,background .2s}
a.svc:hover{transform:translateY(-3px);border-color:var(--sage);background:rgba(241,236,226,.09);color:inherit}
a.svc .arrow{margin-top:auto;color:var(--sage);font-size:1.3rem}
.fig{margin:0 0 1.4em}
.fig img{border-radius:12px;width:100%}
.fig.wide{margin:1.6em 0}
.fig.portrait img{aspect-ratio:4/3;object-fit:cover}
.embed{position:relative;aspect-ratio:16/9;margin:0 0 1.4em;border-radius:12px;overflow:hidden;background:#000}
.embed iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
blockquote{font-family:var(--serif);font-style:italic;font-size:1.2rem;line-height:1.5;margin:0 0 1.2em;padding-left:18px;border-left:2px solid var(--sage)}
.role{letter-spacing:.2em;text-transform:uppercase;font-size:.8rem;color:var(--sage);margin-top:-.6em}
.checks{list-style:none;padding:0}
.checks li{position:relative;padding-left:30px;margin-bottom:.6em}
.checks li::before{content:"";position:absolute;left:2px;top:.45em;width:14px;height:8px;border-left:2px solid var(--sage);border-bottom:2px solid var(--sage);transform:rotate(-45deg)}
.faq{max-width:860px;margin:1.4em auto 0}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;font-family:var(--serif);font-size:1.15rem;padding:18px 40px 18px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-family:var(--sans);font-size:1.4rem;color:var(--sage)}
.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 0 18px;color:var(--muted)}
.tablewrap{overflow-x:auto;margin:0 0 1.2em}
table{border-collapse:collapse;width:100%;font-size:.95rem}
td,th{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top}
.social a{margin:0 4px}
.gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.gallery figure{margin:0}

/* hero + scene */
.hero{position:relative;overflow:hidden;isolation:isolate}
.scene{position:absolute;inset:0;z-index:-1;background:#59645f url(/assets/img/mountains.svg) center bottom/cover no-repeat}
.hero.inner{padding:clamp(70px,10vw,130px) 0 clamp(56px,8vw,96px)}
.hero.inner .scene::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(21,26,8,.78),rgba(21,26,8,.9) 70%,var(--bg))}
.hero.inner h5,.hero .lead{color:var(--ink);font-size:1.08rem;max-width:640px;margin-inline:auto}
.hero.inner .wrap>*:last-child{margin-bottom:0}
.hero.home{padding:0 0 70px}
.hero.home .scene::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(21,26,8,.05) 0,rgba(21,26,8,.12) 55%,rgba(21,26,8,.85) 92%,var(--bg))}
.heroin{padding:clamp(70px,11vw,140px) 0 clamp(50px,7vw,90px);text-shadow:0 2px 18px rgba(20,26,24,.55)}
.heroin h4{color:#fff;letter-spacing:.34em}
.heroin h1{color:#fff;font-size:clamp(2.3rem,5.6vw,4rem)}
.heroin .lead{color:#fff}
.heromark{margin:0 auto 14px;width:92px;height:92px;border-radius:50%;background:rgba(21,26,8,.55);padding:8px;box-shadow:0 0 0 1px rgba(255,255,255,.35)}
.mist{position:absolute;inset:-20% -60%;pointer-events:none;filter:blur(26px);will-change:transform}
.mist.m1{background:radial-gradient(ellipse 22% 26% at 22% 38%,rgba(255,255,255,.75),transparent 70%),radial-gradient(ellipse 26% 22% at 52% 30%,rgba(255,255,255,.55),transparent 70%),radial-gradient(ellipse 20% 24% at 78% 46%,rgba(255,255,255,.7),transparent 70%);animation:drift 70s linear infinite alternate}
.mist.m2{background:radial-gradient(ellipse 30% 20% at 35% 62%,rgba(236,240,238,.6),transparent 70%),radial-gradient(ellipse 24% 18% at 66% 58%,rgba(236,240,238,.65),transparent 70%),radial-gradient(ellipse 18% 16% at 12% 70%,rgba(236,240,238,.5),transparent 70%);animation:drift2 95s linear infinite alternate}
.mist.m3{background:radial-gradient(ellipse 34% 14% at 48% 20%,rgba(255,255,255,.45),transparent 70%),radial-gradient(ellipse 22% 12% at 84% 16%,rgba(255,255,255,.5),transparent 70%);animation:drift 120s linear infinite alternate-reverse}
@keyframes drift{from{transform:translate3d(-9%,0,0)}to{transform:translate3d(9%,-2%,0)}}
@keyframes drift2{from{transform:translate3d(8%,1%,0)}to{transform:translate3d(-8%,-1%,0)}}
@media (prefers-reduced-motion:reduce){.mist{animation:none}html{scroll-behavior:auto}}

/* sliders */
.slider{position:relative;margin-top:1.4em}
.track{display:flex;gap:20px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;-ms-overflow-style:none;scroll-behavior:smooth}
.track::-webkit-scrollbar{display:none}
.track>*{flex:0 0 calc(50% - 10px);scroll-snap-align:start}
.slider.one .track>*{flex-basis:100%}
.sbtn{position:absolute;top:50%;transform:translateY(-50%);z-index:3;width:42px;height:42px;border-radius:50%;border:1px solid rgba(255,255,255,.4);background:rgba(21,26,8,.55);color:#fff;font-size:1.5rem;line-height:1;cursor:pointer}
.sbtn:hover{background:var(--sage);color:var(--dark)}
.sbtn.prev{left:-54px}.sbtn.next{right:-54px}
.slider.one .sbtn.prev{left:10px}.slider.one .sbtn.next{right:10px}
.reviews{width:min(920px,100% - 130px)}
.reviews h2{color:#fff;text-shadow:0 2px 18px rgba(20,26,24,.55)}
.rcard{background:var(--cream);color:#2a2d1c;border-radius:6px;padding:20px 22px;font-size:.86rem;line-height:1.55}
.rcard header{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.rcard .av{width:32px;height:32px;border-radius:50%;background:var(--olive);color:#fff;display:grid;place-items:center;font-weight:600}
.rcard strong{font-size:1rem;font-weight:600}
.rcard .src{margin-left:auto;font-size:.7rem;letter-spacing:.06em;color:#6d6f5d}
.rcard .stars{color:#f2b01e;letter-spacing:3px;font-size:1rem;margin-bottom:6px}
.rcard p{margin:0}

/* statement / tools */
.statement h3{font-size:clamp(1.25rem,2.3vw,1.7rem);line-height:1.5;font-weight:400}
.sec.statement{padding-bottom:20px}
.sec.tools{padding-top:clamp(40px,6vw,70px)}
.riskcard{background:var(--cream);color:#23260f;border-radius:14px;padding:clamp(22px,4vw,40px);display:grid;grid-template-columns:minmax(220px,300px) 1fr;gap:clamp(20px,4vw,44px);align-items:center;margin-top:1.6em}
.riskcard p{font-size:1.05rem}
.riskcard .btn{background:var(--olive-d);border-color:var(--olive-d);color:#fff}
.riskcard .btn:hover{background:var(--olive);border-color:var(--olive)}
.riskart{display:flex;align-items:flex-end;gap:14px;height:190px;padding:14px 16px 0;border-radius:10px;background:repeating-linear-gradient(0deg,transparent 0 23px,rgba(55,63,19,.1) 23px 24px),repeating-linear-gradient(90deg,transparent 0 23px,rgba(55,63,19,.1) 23px 24px),#fbf8f1}
.riskart .bar{flex:1;border-radius:6px 6px 0 0;position:relative}
.riskart .bar span{position:absolute;top:8px;left:0;right:0;text-align:center;font-size:.68rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;line-height:1.25;color:#fff}
.riskart .b1{height:38%;background:var(--sage)}.riskart .b1 span{color:#23260f}
.riskart .b2{height:66%;background:var(--olive)}
.riskart .b3{height:96%;background:var(--olive-d)}
.quick{margin-top:2.4em}
.quick h3{font-style:italic;font-size:1.5rem}
.calcs{margin-top:3em}

/* download */
.sec.download{padding:0 0 clamp(56px,8vw,104px)}
.sec.download .dl{display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;background:linear-gradient(120deg,var(--olive-d),#2a3110);border:1px solid var(--line);border-radius:16px;padding:clamp(22px,4vw,38px)}
.dl h2{font-size:1.6rem;margin-bottom:.3em}.dl p{margin:0;color:var(--muted)}.dl h4{margin-bottom:.5em}
.dlicon{width:64px;height:80px;border-radius:6px;background:var(--cream);color:var(--olive-d);display:grid;place-items:end center;padding-bottom:10px;font-weight:600;font-size:.8rem;letter-spacing:.1em;position:relative}
.dlicon::before{content:"";position:absolute;top:0;right:0;border-style:solid;border-width:0 18px 18px 0;border-color:transparent #2a3110 transparent transparent}

/* press */
.sec.press{padding:44px 0}
.presslist{list-style:none;padding:0;margin:0;display:flex;justify-content:center;gap:clamp(26px,7vw,80px);flex-wrap:wrap;font-family:var(--serif);font-size:clamp(1.5rem,3vw,2.2rem);letter-spacing:.2em;color:var(--muted)}

/* insights + blog cards */
.cols.ins{align-items:stretch;gap:60px}
.news{display:flex;flex-direction:column;justify-content:center;align-items:center;padding:44px 28px}
.news img{margin-bottom:10px}
.bcard{display:block;text-decoration:none;color:var(--ink);border-radius:10px;overflow:hidden;background:rgba(241,236,226,.05);border:1px solid var(--line);transition:transform .2s,border-color .2s}
.bcard:hover{transform:translateY(-3px);border-color:var(--sage);color:var(--ink)}
.cover{aspect-ratio:16/9;position:relative;background:linear-gradient(var(--a,135deg),hsl(var(--h,80) 34% 13%),hsl(calc(var(--h,80) + 16) 30% 30%));overflow:hidden}
.cover img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.cover img.mark{inset:auto;left:50%;top:50%;width:46%;height:auto;transform:translate(-50%,-50%);opacity:.14;object-fit:contain}
.binfo{padding:18px 20px 20px}
.binfo h3{font-size:1.08rem;margin-bottom:.4em}
.binfo time{font-size:.82rem;color:var(--muted)}
.bgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.bcard.slide{position:relative;border:0;border-radius:4px}
.bcard.slide .cover{aspect-ratio:3/2}
.bcard.slide .cover.has::after{content:"";position:absolute;inset:0;background:rgba(241,236,226,.72)}
.bcard.slide .binfo{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:20px 70px}
.bcard.slide .binfo h3{font-size:clamp(1.15rem,2.2vw,1.55rem);font-weight:600}
.bcard.slide .cover.has~.binfo{color:#151a08}
.bcard.slide .cover.has~.binfo time{color:#33371f}
.bcard.slide:hover{transform:none}
.searchrow{max-width:460px;margin:0 auto 34px}
input,textarea{font:inherit;width:100%;padding:12px 14px;border-radius:8px;border:1px solid var(--line);background:rgba(241,236,226,.07);color:var(--ink)}
input::placeholder,textarea::placeholder{color:#a5a592}
input:focus,textarea:focus{outline:2px solid var(--sage);outline-offset:1px}

/* article */
.sec.paper{background:var(--paper);color:#23260f;padding-top:clamp(40px,6vw,70px)}
.article{width:min(780px,100% - 40px);font-size:1.06rem;line-height:1.8}
.article h2{font-size:1.7rem;margin:1.6em 0 .5em}
.article h3{font-size:1.3rem;margin:1.4em 0 .4em}
.article h4{color:var(--olive);margin-top:1.6em}
.article a{color:#4c5a12}
.article a:hover{color:#23260f}
.article img{border-radius:10px;margin:1.4em auto}
.article td,.article th{border-color:rgba(55,63,19,.25)}
.article .btn{background:var(--olive-d);border-color:var(--olive-d);color:#fff}
.article .btn:hover{background:var(--olive);border-color:var(--olive);color:#fff}
.article .btn.ghost{background:transparent;color:var(--olive-d)}
.posthero{margin:0 0 2em}
.posthero img{width:100%;margin:0}
.byline{color:var(--muted);font-size:.92rem;letter-spacing:.04em}
.hero.post h1{font-size:clamp(1.9rem,4.2vw,3rem)}
.postnav{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:3em 0 2em;padding-top:1.6em;border-top:1px solid rgba(55,63,19,.25)}
.postnav a{text-decoration:none;font-family:var(--serif);font-size:1.02rem;line-height:1.35}
.postnav a.r{text-align:right}
.postnav small{display:block;font-family:var(--sans);font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:4px;color:#6b6e55}

/* forms */
.form{display:grid;gap:16px;max-width:680px}
.form label{display:grid;gap:6px;font-size:.85rem;letter-spacing:.04em}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form .check{grid-template-columns:20px 1fr;align-items:start;gap:10px;font-size:.78rem;color:var(--muted);letter-spacing:0}
.form .check input{width:18px;height:18px;margin-top:3px}
.form .btn{justify-self:start}
.hp{position:absolute;left:-9999px}

/* cta + footer */
.sec.cta{background:linear-gradient(180deg,var(--bg2),var(--bg3));border-top:1px solid var(--line)}
.site-foot{background:#0f1306;border-top:1px solid var(--line);padding:56px 0 40px;font-size:.92rem}
.footgrid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:30px;align-items:start}
.footlinks{list-style:none;padding:0;margin:0}
.footlinks li{margin-bottom:6px}
.site-foot a{color:var(--ink);text-decoration:none}
.site-foot a:hover{color:var(--sage)}
.fine{margin-top:34px;padding-top:24px;border-top:1px solid var(--line);font-size:.74rem;line-height:1.6;color:#a9a996}

@media (max-width:1320px){.sbtn.prev{left:-50px}.sbtn.next{right:-50px}}
@media (max-width:1020px){
.navbtn{display:block;background:none;border:0;padding:10px;cursor:pointer}
.navbtn span{display:block;width:26px;height:2px;background:var(--ink);margin:6px 0}
.nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--bg);border-bottom:1px solid var(--line);max-height:calc(100vh - 90px);overflow:auto}
.nav.open{display:block}
.nav ul{flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px}
.nav>ul>li{border-bottom:1px solid rgba(187,193,145,.12);position:relative}
.nav>ul>li>a{display:block;padding:14px 0}
.nav a.btn{display:inline-block;margin:14px 0 0;padding:10px 20px}
.nav>ul>li:last-child{border:0}
.sub{position:static;display:none!important;border:0;box-shadow:none;background:none;padding:0 0 10px!important}
.has-sub:hover .sub,.has-sub:focus-within .sub{display:none!important}
.has-sub.open .sub{display:flex!important}
.subbtn{display:block;position:absolute;right:0;top:8px;width:40px;height:36px;background:none;border:0;cursor:pointer}
.subbtn::after{content:"+";color:var(--sage);font-size:1.5rem}
.has-sub.open .subbtn::after{content:"–"}
.cols.n4{grid-template-columns:repeat(2,minmax(0,1fr))}
.cols.n3,.cols.n5,.cols.n6,.bgrid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:760px){
.cols.n2,.cols.n3,.cols.n4,.cols.n5,.cols.n6,.bgrid,.frow,.footgrid,.postnav{grid-template-columns:1fr}
.cols.ins{gap:28px}
.track>*{flex-basis:100%}
.reviews{width:min(920px,100% - 40px)}
.sbtn{top:auto;bottom:-56px;transform:none}
.sbtn.prev,.slider.one .sbtn.prev{left:calc(50% - 50px)}.sbtn.next,.slider.one .sbtn.next{right:calc(50% - 50px)}
.slider{margin-bottom:70px}
.riskcard{grid-template-columns:1fr}
.sec.download .dl{grid-template-columns:1fr;text-align:left}
.dlicon{display:none}
.bcard.slide .binfo{padding:16px 20px}
.brand span{font-size:1rem;letter-spacing:.1em}
.topbar .wrap{justify-content:center}
.postnav a.r{text-align:left}
}

.fig.wide img{max-height:560px;object-fit:cover}
.teamphoto img{aspect-ratio:1/1;object-fit:cover;object-position:top;max-width:320px;margin-inline:auto}

/* ---- v2: header, hero frame, footer to match the original site ---- */
.site-head{background:var(--bg);border-bottom:0;backdrop-filter:none}
.navwrap{width:min(1640px,100% - 56px);margin-inline:auto;padding:22px 0;display:flex;align-items:center;gap:24px}
.brand img{height:46px;width:auto}
.nav{margin-inline:auto}
.nav ul{gap:30px}
.nav a{font-size:.98rem;letter-spacing:.01em;font-weight:500}
.chev{display:inline-block;width:7px;height:7px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-3px);margin-left:8px}
.btn.navcta{background:rgba(241,236,226,.2);border-color:transparent;color:var(--ink);font-size:.98rem;padding:11px 52px;border-radius:6px}
.btn.navcta:hover{background:var(--cream);color:var(--dark)}
.nav .sub{left:-18px;top:calc(100% + 8px)}
.has-sub::after{content:"";position:absolute;left:0;right:0;top:100%;height:12px}
.hero.home{margin:0 18px;border-radius:44px}
.hero.home .scene::after{background:linear-gradient(180deg,rgba(21,26,8,.02) 0,rgba(21,26,8,.1) 55%,rgba(21,26,8,.78) 100%)}
.heroin{padding-top:clamp(60px,8vw,110px)}
.vline{display:block;width:1px;height:66px;background:rgba(255,255,255,.75);margin:0 auto 34px}
.heroin .btnrow+.vline{margin:34px auto 0}
.heromark{width:118px;height:118px;padding:6px;background:rgba(214,219,216,.82);box-shadow:none;margin-bottom:22px}
.heroin h4{font-size:1.05rem;letter-spacing:.34em;font-weight:400}
.heroin h1{font-size:clamp(2.4rem,5.4vw,4.6rem)}
.heroin .lead{font-size:1.15rem;max-width:580px}
.btn.glass{min-width:276px;padding:13px 26px;font-size:.95rem;border-color:transparent;background:rgba(241,236,226,.28)}
.reviews{width:min(1070px,100% - 130px)}
.reviews h2{font-size:clamp(1.9rem,3.4vw,2.8rem);margin-bottom:1.6em}
.rcard{padding:26px 26px 30px;font-size:.95rem;line-height:1.6}
.rcard .av{width:46px;height:46px;background:#3f7ae0;font-size:1.05rem}
.rcard strong{font-size:1.4rem;font-weight:500}
.rcard .stars{font-size:1.3rem;letter-spacing:4px;margin:10px 0 12px}
.site-foot{background:var(--bg);border-top:0;padding:80px 0 56px}
.footwrap{width:min(1180px,100% - 40px)}
.footgrid{grid-template-columns:1.25fr .9fr 1fr;align-items:center;gap:40px}
.footlogo{width:min(320px,100%);margin-bottom:26px}
.footbrand p{margin-bottom:1.2em;font-weight:500}
.footbrand .legal a{text-decoration:underline}
.footmain,.footsvc{list-style:none;margin:0;padding:0}
.footmain li{margin-bottom:34px;text-transform:uppercase;letter-spacing:.03em;font-size:1rem}
.footmain li:last-child{margin-bottom:0}
.footsvc li{margin-bottom:20px;font-size:1rem;letter-spacing:.02em}
.footsvc li:last-child{margin-bottom:0}
.fine{border-top:0;margin-top:70px;padding-top:0;font-size:.86rem;line-height:1.55;color:var(--ink)}
.minus{list-style:none;padding:0}
.minus li{position:relative;padding-left:30px;margin-bottom:.6em}
.minus li::before{content:"";position:absolute;left:3px;top:.8em;width:12px;border-top:2px solid var(--brown)}
.issuers{columns:2;list-style:none;padding:0;margin:0 0 1.2em}
.issuers li{padding:7px 0;border-bottom:1px solid var(--line);break-inside:avoid}
.small{font-size:.8rem;line-height:1.55;color:var(--muted)}
.btnrow+.small{margin-top:2.4em;max-width:860px;margin-inline:auto}
.cmp{max-width:980px;margin:1.6em auto 0}
.cmp thead th{font-family:var(--serif);font-size:1.05rem;font-weight:500;background:rgba(241,236,226,.06)}
.cmp tbody th{font-weight:500;width:34%}
.cmp td,.cmp th{padding:13px 16px}
@media (max-width:1180px){.nav ul{gap:20px}.nav a{font-size:.88rem}.btn.navcta{padding:10px 24px}}
@media (max-width:1020px){
.navwrap{width:calc(100% - 32px);padding:14px 0}
.nav{margin:0}.navbtn{margin-left:auto;order:3}.btn.navcta{display:none}
.nav a{font-size:.95rem}
.chev{display:none}
.hero.home{margin:0 10px;border-radius:26px}
}
@media (max-width:760px){
.footgrid{grid-template-columns:1fr;gap:34px}
.footmain li{margin-bottom:18px}.footsvc li{margin-bottom:12px}
.reviews{width:calc(100% - 32px)}
.issuers{columns:1}
.vline{height:40px;margin-bottom:22px}
.brand img{height:38px}
}

/* ---- v3: cream rounded panels on dark, like the original inner pages ---- */
body{line-height:1.55}
h1,h2,h3{font-weight:400}
h2{font-size:clamp(1.8rem,3.3vw,2.9rem)}
.sec.panel{--line:rgba(18,29,48,.16);--muted:#4a4f45;--sage:#677423;background:var(--cream);color:#121d30;margin:0 22px 60px;border-radius:60px;padding:clamp(56px,7vw,110px) 0}
.hero.inner+.sec.panel{margin-top:10px}
.sec.panel .wrap{width:min(1200px,100% - 64px)}
.sec.panel h4{color:#5c6820}
.sec.panel h5,.sec.panel .narrowp{color:#3a4034}
.sec.panel a{color:#4c5a12}
.sec.panel a:hover{color:#121d30}
.sec.panel .btn{background:#151a08;border-color:#151a08;color:var(--cream)}
.sec.panel .btn:hover{background:#373f13;border-color:#373f13;color:#fff}
.sec.panel .btn.ghost{background:transparent;color:#151a08}
.sec.panel .card,.sec.panel .cols.cards>.col{background:#fff;border-color:transparent;box-shadow:0 1px 0 rgba(18,29,48,.06)}
.sec.panel .cols.cards>.col p,.sec.panel .faq .ans{color:#3a4034}
.sec.panel .fig img{background:#fff;border-radius:22px}
.sec.panel .small{color:#787878;font-size:.92rem;line-height:1.5}
.sec.panel .checks li::before{border-color:#677423}
.sec.panel .faq summary::after{color:#677423}
.sec.panel input,.sec.panel textarea{background:#fff;color:#121d30;border-color:rgba(18,29,48,.25)}
.sec.panel .form .check{color:#4a4f45}
.sec.panel .cmp thead th{background:rgba(18,29,48,.06)}
.sec.panel blockquote{border-color:#677423}
.sec.panel .cols{align-items:center}
.sec.panel .cols.cards{align-items:stretch}
.sec.panel .role{color:#5c6820}
.sec.paper.panel{background:var(--cream)}
.sec.panel+.sec.download{padding-top:0}
.sec.download{padding-bottom:60px}
@media (max-width:1020px){.sec.panel{margin:0 10px 28px;border-radius:30px}.sec.panel .wrap{width:calc(100% - 40px)}}

/* ---- v4: about page, team, charts ---- */
.sec.flow{padding:clamp(28px,3.4vw,50px) 0}
.hero.inner+.sec.flow{padding-top:10px}
.cols.split{grid-template-columns:minmax(0,.8fr) minmax(0,1.05fr);gap:clamp(26px,4vw,56px);align-items:start;margin-top:0}
.sec.panel .cols.split{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:center}
.fig.tall{margin:0}
.fig.tall img{aspect-ratio:7/8;object-fit:cover;border-radius:26px}
.fig.person{max-width:300px;margin:0 auto 22px}
.fig.person img{aspect-ratio:4/5;object-fit:cover;object-position:top;border-radius:22px}
.cols.team{align-items:start;gap:clamp(30px,5vw,70px)}
.bio{font-size:.95rem;color:var(--muted);text-align:left;margin-top:1.2em}
.eyefig{margin:0 auto;width:min(340px,80%);aspect-ratio:1;border-radius:50%;background:var(--cream);display:grid;place-items:center}
.eyefig img{width:86%}
.chart{margin:0 0 18px;background:#fff;border-radius:22px;padding:14px 16px;overflow:hidden}
.chart img,.chart svg{display:block;width:100%;height:auto}
@media (max-width:760px){.cols.split,.sec.panel .cols.split{grid-template-columns:1fr}.fig.tall img{aspect-ratio:1/1}}

/* ---- v5: press band, card photos, guide preview ---- */
.pressimg{width:100%;border-radius:18px}
.cardimg{margin:-28px -28px 20px}
.cardimg img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:13px 13px 0 0}
.dlthumb{display:block;width:150px;flex:none;transform:rotate(-3deg);transition:transform .2s}
.dlthumb:hover{transform:rotate(0) scale(1.04)}
.dlthumb img{width:100%;border-radius:4px;box-shadow:0 12px 30px rgba(0,0,0,.45)}
.sec.download .dl{grid-template-columns:150px 1fr auto}
@media (max-width:760px){.sec.download .dl{grid-template-columns:1fr}.dlthumb{width:130px}}

/* ---- v6: photo hero with drifting fog ---- */
.hero.home .scene{background:linear-gradient(180deg,#b9c2c6 0,#aab4b7 38%,#6f7c79 62%,#2f3a30 84%,#182012 100%)}
.hero.home .scene .photo{position:absolute;top:0;left:0;right:0;height:max(56.3vw,680px);background:url(/assets/img/hero.jpg) center top/cover no-repeat;-webkit-mask-image:linear-gradient(180deg,#000 62%,transparent 100%);mask-image:linear-gradient(180deg,#000 62%,transparent 100%)}
.hero.home .scene::after{background:linear-gradient(180deg,rgba(21,26,8,.12) 0,rgba(21,26,8,.2) 45%,rgba(21,26,8,.5) 72%,rgba(21,26,8,.82) 100%)}
.hero.home .mist{inset:0 auto 0 0;width:200%;filter:blur(22px);background-repeat:repeat-x;background-size:50% 100%;opacity:.9}
.hero.home .mist.m1{background-image:radial-gradient(ellipse 16% 12% at 12% 30%,rgba(255,255,255,.85),transparent 70%),radial-gradient(ellipse 20% 10% at 46% 44%,rgba(255,255,255,.7),transparent 70%),radial-gradient(ellipse 15% 11% at 80% 24%,rgba(255,255,255,.8),transparent 70%);animation:fog 90s linear infinite}
.hero.home .mist.m2{background-image:radial-gradient(ellipse 24% 9% at 28% 56%,rgba(240,244,244,.75),transparent 70%),radial-gradient(ellipse 18% 8% at 66% 50%,rgba(240,244,244,.65),transparent 70%),radial-gradient(ellipse 14% 7% at 92% 60%,rgba(240,244,244,.6),transparent 70%);animation:fog 140s linear infinite reverse}
.hero.home .mist.m3{background-image:radial-gradient(ellipse 26% 8% at 18% 16%,rgba(255,255,255,.55),transparent 70%),radial-gradient(ellipse 22% 7% at 60% 10%,rgba(255,255,255,.5),transparent 70%);animation:fog 200s linear infinite}
@keyframes fog{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}
@media (prefers-reduced-motion:reduce){.hero.home .mist{animation:none}}
.heroin{text-shadow:0 2px 22px rgba(15,22,24,.75),0 1px 3px rgba(15,22,24,.45)}
.hero.home .scene .photo{height:max(82vw,820px);background-position:32% top;-webkit-mask-image:linear-gradient(180deg,#000 74%,transparent 100%);mask-image:linear-gradient(180deg,#000 74%,transparent 100%)}
.hero.home .scene{background:linear-gradient(180deg,#b9c2c6 0,#8f9a9a 45%,#3c4a40 75%,#182012 100%)}
.hero.home .scene::after{background:linear-gradient(180deg,rgba(21,26,8,.1) 0,rgba(21,26,8,.16) 50%,rgba(21,26,8,.42) 74%,rgba(21,26,8,.8) 100%)}

/* ---- v7: stronger, faster fog ---- */
.hero.home .mist{filter:blur(16px);opacity:1}
.hero.home .mist.m1{background-image:radial-gradient(ellipse 13% 9% at 10% 30%,rgba(255,255,255,.95),transparent 68%),radial-gradient(ellipse 18% 7% at 34% 46%,rgba(255,255,255,.85),transparent 68%),radial-gradient(ellipse 12% 9% at 58% 26%,rgba(255,255,255,.9),transparent 68%),radial-gradient(ellipse 16% 8% at 84% 40%,rgba(255,255,255,.88),transparent 68%);animation:fog 36s linear infinite}
.hero.home .mist.m2{background-image:radial-gradient(ellipse 22% 8% at 22% 58%,rgba(244,247,247,.9),transparent 68%),radial-gradient(ellipse 15% 7% at 52% 66%,rgba(244,247,247,.8),transparent 68%),radial-gradient(ellipse 19% 6% at 80% 54%,rgba(244,247,247,.85),transparent 68%);animation:fog 58s linear infinite reverse}
.hero.home .mist.m3{background-image:radial-gradient(ellipse 24% 7% at 16% 14%,rgba(255,255,255,.7),transparent 68%),radial-gradient(ellipse 20% 6% at 48% 8%,rgba(255,255,255,.65),transparent 68%),radial-gradient(ellipse 22% 7% at 78% 18%,rgba(255,255,255,.7),transparent 68%);animation:fog 84s linear infinite}
.hero.home .scene .photo{animation:heropan 50s ease-in-out infinite alternate;transform-origin:35% 40%}
@keyframes heropan{from{transform:scale(1)}to{transform:scale(1.07)}}
@media (prefers-reduced-motion:reduce){.hero.home .scene .photo{animation:none}}

/* ---- v8: structured notes ---- */
.cols.flex5{display:flex;flex-wrap:wrap;justify-content:center;gap:28px}
.cols.flex5>.col{flex:0 1 calc(33.333% - 19px);min-width:240px}
.steps{padding-left:1.2em}.steps li{margin-bottom:.8em}
.example{margin-top:2em!important;align-items:start!important}
.terms{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(18,29,48,.14);border-radius:14px;overflow:hidden;margin:0 0 1.4em}
.terms>div{background:#fff;padding:14px 16px}
.terms small{display:block;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:#5c6820;margin-bottom:4px}
.terms strong{display:block;font-family:var(--serif);font-size:1.5rem;font-weight:500}
.terms span{font-size:.8rem;color:#4a4f45}
.outcomes h3{font-size:1.5rem;margin-bottom:.8em}
.otable{font-size:1rem;margin-bottom:1.6em}
.otable th{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;background:#151a08;color:#f1ece2;border-color:#151a08;font-weight:500}
.otable td{border-left:0;border-right:0;padding:12px}
.otable td:nth-child(2){font-weight:600;font-size:1.1rem}
.otable .pos{color:#3f6b1f}.otable .neg{color:#b3261e}
.obars{margin:0 0 1.2em}
.olegend{display:flex;gap:20px;font-size:.8rem;margin-bottom:10px}
.olegend i{display:inline-block;width:14px;height:10px;border-radius:2px;margin-right:6px}
.k1,.otrack .idx{background:#9aa08a}.k2,.otrack .note{background:#373f13}
.orow{display:grid;grid-template-columns:86px 1fr;align-items:center;gap:10px;margin-bottom:8px;font-size:.82rem}
.orow b{font-weight:500}
.otrack{position:relative;height:30px;background:linear-gradient(90deg,transparent calc(50% - 1px),rgba(18,29,48,.35) calc(50% - 1px),rgba(18,29,48,.35) calc(50% + 1px),transparent calc(50% + 1px))}
.otrack i{position:absolute;height:12px;border-radius:2px}
.otrack .idx{top:2px}.otrack .note{top:16px}
.otrack .red{background:#b3261e}
.dlthumb.wide{width:210px}
@media (max-width:760px){.cols.flex5>.col{flex-basis:100%}.terms{grid-template-columns:1fr}}

/* ---- v9: 1031 / DST page ---- */
.ico{width:56px;height:56px;border-radius:14px;background:#151a08;display:grid;place-items:center;margin-bottom:16px}
.ico svg,.sector svg{width:32px;height:32px;fill:none;stroke:#bbc191;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.ico.big{width:76px;height:76px;border-radius:50%;margin:0 auto 14px}.ico.big svg{width:40px;height:40px}
.cols.vs{align-items:stretch!important;margin-top:2em}
div.flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:18px;align-items:stretch;margin:2em 0 1.4em}
.fstep{background:#fff;border-radius:18px;padding:28px 24px;text-align:center}
.fstep small{display:block;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:#5c6820;margin-bottom:6px}
.fstep p{font-size:.95rem;color:#3a4034;margin:0}
.farrow{align-self:center;font-size:2rem;color:#677423}
.taxviz h3{margin-bottom:1em}
.tbars{display:flex;gap:34px;justify-content:center;align-items:flex-end;margin-bottom:1.4em}
.tbar{flex:0 1 190px;text-align:center}
.tbar .stack{height:260px;display:flex;flex-direction:column;justify-content:flex-end;border-radius:10px;overflow:hidden}
.tbar .stack i{display:grid;place-items:center;font-style:normal;color:#fff;font-weight:600;font-size:.95rem;line-height:1.25}
.tbar .tax{background:#b9b6a6;color:#23260f!important}.tbar .keep{background:#677423}.tbar .keep.full{background:#373f13}
.tbar b{display:block;margin-top:10px;font-weight:600;font-size:.9rem}
.sectors{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin:2em 0 1.4em}
.sector{background:#151a08;color:#f1ece2;border-radius:18px;padding:28px 12px;text-align:center}
.sector svg{width:44px;height:44px;margin:0 auto 12px;display:block}
.sector b{font-weight:500;font-size:.95rem}
.statcard small{display:block;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:#5c6820}
.statcard strong{display:block;font-family:var(--serif);font-size:clamp(2.4rem,5vw,3.6rem);font-weight:500;margin:.2em 0}
.sec.panel .small.tc{max-width:820px;margin-inline:auto}
@media (max-width:900px){div.flow{grid-template-columns:1fr}.farrow{transform:rotate(90deg);justify-self:center}.sectors{grid-template-columns:repeat(2,1fr)}}
.sectors.photos .sector{padding:0;overflow:hidden;margin:0}
.sectors.photos img{width:100%;aspect-ratio:4/3;object-fit:cover;display:block}
.sectors.photos figcaption{padding:14px 10px 16px;font-weight:500;font-size:.95rem}

/* ---- v10: everplans ---- */
.formcard{padding:32px}
.formcard h3{font-size:1.5rem}
.formcard .form{max-width:none}
.feat .card{text-align:left}
.stats3{align-items:stretch!important}
.newsnames{font-family:var(--serif);font-size:1.15rem;line-height:1.7}
html{scroll-padding-top:110px}
.devices{margin:1.6em auto 2.2em;max-width:820px;text-align:center}
.devices img{width:100%}
.devices figcaption{font-size:.9rem;color:#4a4f45;margin-top:10px}
.featimg{height:112px;width:auto;margin:0 auto 14px}
.feat .card.tc{text-align:center}
.statimg{width:110px;height:110px;margin:0 auto 6px}
.sec.download .dl:has(.dlthumb.wide){grid-template-columns:230px 1fr auto}
.dlthumb.wide{width:230px;transform:rotate(-2deg)}
.sec.panel+.sec.download{padding-top:0}
@media (max-width:760px){.sec.download .dl:has(.dlthumb.wide){grid-template-columns:1fr}.dlthumb.wide{width:200px}}

/* ---- v11: client login ---- */
.hero .btn.ghost{color:var(--ink)}
.chart.shot{padding:18px;margin-bottom:10px}
.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:2em}
.jstep{background:#fff;border-radius:18px;padding:26px 22px;position:relative}
.jstep .num{position:absolute;top:18px;right:20px;font-family:var(--serif);font-size:2rem;color:rgba(18,29,48,.16)}
.jstep h3{font-size:1.15rem}
.jstep p{font-size:.94rem;color:#3a4034;margin:0}
.jstep:nth-child(n+5){grid-column:span 1}
@media (min-width:1021px){.journey{grid-template-columns:repeat(12,1fr)}.jstep{grid-column:span 3}.jstep:nth-child(n+5){grid-column:span 4}}
@media (max-width:1020px){.journey{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.journey{grid-template-columns:1fr}}
.tour{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;margin:2em 0 1.2em}
.phone{margin:0;text-align:center}
.pframe{background:#151a08;border-radius:30px;padding:9px;box-shadow:0 14px 34px rgba(18,29,48,.22);max-width:260px;margin:0 auto 18px}
.pframe img{width:100%;aspect-ratio:9/17;object-fit:cover;object-position:top;border-radius:22px;background:#fff}
.phone h3{font-size:1.15rem;margin-bottom:.3em}
.phone p{font-size:.94rem;color:#3a4034;margin:0}
.more3{margin-top:2.4em!important}
@media (max-width:1020px){.tour{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.tour{grid-template-columns:1fr}}
.devico{width:120px;height:120px;border-radius:50%;background:#000;display:grid;place-items:center;margin:0 auto 18px;overflow:hidden}
.devico img{width:100%;height:100%;object-fit:cover}
.devico svg{width:62px;height:62px;fill:none;stroke:#fff;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}

/* v12 investment management */
.imhero{padding:clamp(10px,2vw,24px) 0!important;background:#03070d;margin:0 22px 22px;border-radius:60px;overflow:hidden}
.imgrid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);align-items:center;gap:clamp(10px,3vw,40px)}
.imbrain{margin-left:calc(-1*clamp(20px,6vw,90px))}
.imbrain img{width:100%;display:block;-webkit-mask-image:linear-gradient(90deg,#000 62%,transparent 98%),linear-gradient(180deg,transparent 1%,#000 14%,#000 84%,transparent 99%);mask-image:linear-gradient(90deg,#000 62%,transparent 98%),linear-gradient(180deg,transparent 1%,#000 14%,#000 84%,transparent 99%);-webkit-mask-composite:source-in;mask-composite:intersect;animation:impulse 7s ease-in-out infinite}
@keyframes impulse{0%,100%{filter:brightness(1)}50%{filter:brightness(1.28)}}
@media (prefers-reduced-motion:reduce){.imbrain img{animation:none}}
.imtext h1{font-size:clamp(2rem,3.6vw,3.2rem)}
.imtext .lead{margin:0 0 1.4em!important;max-width:none}
.imhero+.sec.panel{margin-top:0}
.imquote{display:grid;grid-template-columns:150px 1fr;gap:30px;align-items:center;max-width:880px;margin:2.6em auto 0;background:#fff;border-radius:26px;padding:26px 30px}
.imquote img{width:150px;height:150px;border-radius:50%;object-fit:cover;object-position:top}
.imquote blockquote{margin:0 0 .6em;font-size:1.08rem}
.imquote .who{margin:0;font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:.82rem;color:#677423}
.imtime{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:2.4em;position:relative}
.imtime::before{content:"";position:absolute;left:0;right:0;top:19px;height:2px;background:rgba(55,63,19,.3)}
.imtime>div{position:relative;padding-top:54px}
.imtime span{position:absolute;top:0;left:0;background:#373f13;color:#f1ece2;font-weight:700;font-size:.85rem;letter-spacing:.06em;padding:9px 16px;border-radius:30px}
.imtime .now span{background:#677423}
.imtime h3{margin:0 0 .3em;font-size:1.25rem}
.imtime p{margin:0;color:#3a4034;font-size:.96rem}
.fig figcaption,.fine{font-size:.78rem;color:#5d6257;margin-top:.8em}
.fig.frontier img{padding:14px}
.imvs{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:2.6em}
.imvs>div{border-radius:26px;padding:28px 32px}
.imvs .old{background:#fff}
.imvs .new{background:#373f13;color:#f1ece2}
.imvs .new h3{color:#f1ece2}
.imvs h3{margin-top:0}
.imvs ul{margin:0;padding-left:1.1em}
.imvs li{margin-bottom:.45em}
.ddsvg{width:100%;height:auto;display:block}
.imfeat h3{font-size:1.2rem;margin:0 0 .25em}
.imfeat p{margin:0 0 1.3em;color:#3a4034}
.imslot{aspect-ratio:4/5;border-radius:22px;background:linear-gradient(160deg,#0b1420,#1b3040);display:grid;place-items:center;color:#9fb6c4;text-align:center;padding:30px;font-size:.9rem}
.fig.tall.robot img{aspect-ratio:4/5;object-fit:cover}
.imtalk{position:relative;background-size:cover;background-position:center;margin:0 22px 60px;border-radius:60px;overflow:hidden;padding:clamp(80px,10vw,150px) 0}
.imtalk::before{content:"";position:absolute;inset:0;background:rgba(21,26,8,.62)}
.imtalk .wrap{position:relative}
.fine{max-width:820px;margin:2em auto 0}
@media (max-width:1020px){.imhero,.imtalk{margin:0 10px 22px;border-radius:30px}.imgrid{grid-template-columns:1fr;text-align:center}.imbrain{margin:0 -20px;max-height:340px;overflow:hidden}.imbrain img{-webkit-mask-image:linear-gradient(180deg,transparent,#000 12%,#000 65%,transparent);mask-image:linear-gradient(180deg,transparent,#000 12%,#000 65%,transparent)}.imtime{grid-template-columns:1fr 1fr}.imtime::before{display:none}.imvs{grid-template-columns:1fr}}
@media (max-width:560px){.imtime{grid-template-columns:1fr}.imquote{grid-template-columns:1fr;text-align:center}.imquote img{margin:0 auto}}

.fig.built img{border-radius:22px;max-height:none!important;object-fit:contain}
.imfeat.grid{display:grid;grid-template-columns:1fr 1fr;gap:6px 44px;margin-top:1.6em}
@media (max-width:760px){.imfeat.grid{grid-template-columns:1fr}}

/* v13 tax page */
.taxtop{margin-bottom:2.6em}
.taxtop .fig img{background:transparent;border-radius:18px}
.taxgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 56px;border-top:1px solid rgba(18,29,48,.16)}
.taxgrid>.col{padding:30px 0;border-bottom:1px solid rgba(18,29,48,.16)}
.taxgrid .num{font-family:var(--serif);font-size:1.5rem;color:#677423;margin:0 0 .2em}
.taxgrid h3{margin:0 0 .4em}
.taxgrid p{color:#3a4034}
.taxgrid .btnrow{margin:1em 0 0}
.cols.two{max-width:820px;margin-inline:auto}
@media (max-width:860px){.taxgrid{grid-template-columns:1fr}}
.sec.panel .cols.split.taxtop{grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr)}
.fig.bucket{margin:0}.fig.bucket img{height:auto!important;aspect-ratio:auto!important;object-fit:contain!important;max-height:none!important}
@media (max-width:1020px){.sec.panel .cols.split.taxtop{grid-template-columns:1fr}}

/* v14 retirement income planning */
.ritiles{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:2.2em}
.ritile{background:#fff;border-radius:22px;padding:24px 22px}
.ritile .ico{width:52px;height:52px;border-radius:50%;background:#373f13;display:grid;place-items:center;margin-bottom:14px}
.ritile .ico svg{width:26px;height:26px;fill:none;stroke:#f1ece2;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.ritile h3{font-size:1.12rem;margin:0 0 .3em}
.ritile p{margin:0;font-size:.92rem;color:#3a4034}
.risvg{width:100%;height:auto;display:block}
.sec.panel .cols.split.richart{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr)}
.sec.panel .cols.split.richart.flip{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr)}
.richart .fig{margin:0}
.rireport{position:relative;height:430px;max-width:420px;margin:0 auto}
.rireport .pg{position:absolute;width:270px;height:350px;background:#fff;border-radius:10px;box-shadow:0 18px 40px rgba(18,29,48,.18);padding:26px 24px;display:flex;flex-direction:column;gap:12px}
.rireport .p3{left:130px;top:10px;transform:rotate(8deg)}
.rireport .p2{left:70px;top:30px;transform:rotate(2deg)}
.rireport .p1{left:6px;top:56px;transform:rotate(-5deg);align-items:center;text-align:center}
.rireport .p1 img{width:74px;margin-top:18px}
.rireport .p1 strong{font-family:var(--serif);font-size:1.35rem;font-weight:400;color:#121d30;line-height:1.2}
.rireport .p1 em{font-size:.8rem;color:#677423;font-style:normal;letter-spacing:.12em;text-transform:uppercase}
.rireport b{display:block;height:10px;width:60%;background:#373f13;border-radius:5px}
.rireport i{display:block;height:7px;width:100%;background:#e3ddd0;border-radius:4px}
.rireport .p1 b{margin-top:auto;width:40%;background:#bbc191}
.rireport .bars{display:flex;align-items:flex-end;gap:8px;height:150px;margin:6px 0}
.rireport .bars u{flex:1;background:#677423;border-radius:3px 3px 0 0}
@media (max-width:1020px){.ritiles{grid-template-columns:repeat(2,1fr)}.sec.panel .cols.split.richart,.sec.panel .cols.split.richart.flip{grid-template-columns:1fr}.richart.flip .col:first-child{order:2}}
@media (max-width:520px){.ritiles{grid-template-columns:1fr}.rireport{height:400px;max-width:300px}.rireport .pg{width:220px;height:300px}.rireport .p3{left:76px}.rireport .p2{left:40px}.rireport .p1{left:2px}}

.fig.seq img{padding:10px 6px}
.rireal{position:relative;max-width:520px;margin:0 auto;padding:0 0 70px 0}
.rireal img{display:block;border-radius:8px;box-shadow:0 18px 40px rgba(18,29,48,.2);background:#fff}
.rireal .back{width:82%;margin-left:18%;transform:rotate(3deg)}
.rireal .front{width:78%;position:absolute;left:0;bottom:0;transform:rotate(-4deg)}

p,li,figcaption{text-wrap:pretty}
h1,h2,h3{text-wrap:balance}
.nw{white-space:nowrap}
@media (max-width:420px){.nw{white-space:normal}}

/* v15 side pictures */
.sec.panel .cols.split.sidepic{align-items:center}
.fig.photo{margin:0}.fig.photo img{border-radius:22px;aspect-ratio:4/3;object-fit:cover;width:100%}
.fig.info{margin:0}.fig.info img{border-radius:22px;background:#fff;padding:18px;height:auto!important;aspect-ratio:auto!important;object-fit:contain!important}
.gapv{height:clamp(36px,5vw,64px)}
@media (max-width:1020px){.sidepic .col:has(.fig){order:2}}