/* Layout: phone-first single column that opens to a 1160px desktop grid.
   Navy logo band, light page, one accent (navy). */
:root{
  --navy:#11133d;
  --navy-2:#23266b;
  --tint:#eceef6;
  --page:#fbfaf7;
  --card:#ffffff;
  --text:#1d2433;
  --muted:#4b5563;
  --line:#dddbd3;
  --white:#ffffff;
  --radius:14px;
  --wrap:1160px;
  --measure:720px;
  --head:"Montserrat",system-ui,-apple-system,"Segoe UI",sans-serif;
  --body:"Source Sans 3",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--page);color:var(--text);font-family:var(--body);font-size:18px;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #8b90d6;outline-offset:2px}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(18px,env(safe-area-inset-left,0px));padding-right:max(18px,env(safe-area-inset-right,0px))}

h1,h2,h3{font-family:var(--head);color:var(--navy);line-height:1.18;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(30px,4.2vw,48px);margin:0 0 14px}
h2{font-size:clamp(23px,2.4vw,30px);margin:0 0 14px}
h3{font-size:20px;margin:24px 0 8px}
p{margin:0 0 14px}
ul,ol{padding-left:22px;margin:0 0 16px}
li{margin:0 0 8px}
.lede{font-size:clamp(18px,1.6vw,21px);color:var(--muted);max-width:40ch;margin:0 0 22px}
.small{font-size:15px;color:var(--muted)}
.eyebrow{font-family:var(--head);font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}

/* Header */
.band{background:var(--navy)}
.band .wrap{display:flex;align-items:center;min-height:68px}
.logo img{height:38px;width:auto}
.site-nav{border-bottom:1px solid var(--line);background:var(--page)}
.site-nav .wrap{display:flex;flex-wrap:wrap;align-items:center;gap:4px 22px;padding-block:12px}
.site-name{font-family:var(--head);font-weight:700;color:var(--navy);text-decoration:none;font-size:18px;flex-basis:100%}
.site-nav a.nl{color:var(--text);text-decoration:none;font-size:17px;padding:6px 0}
.site-nav a.nl:hover,.site-nav a.nl[aria-current]{color:var(--navy);text-decoration:underline}
.site-nav .nav-cta{display:none}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 24px;border-radius:999px;font-family:var(--head);font-weight:600;font-size:16px;text-decoration:none;border:2px solid var(--navy);cursor:pointer;white-space:nowrap}
.btn-solid{background:var(--navy);color:var(--white)}
.btn-solid:hover{background:var(--navy-2);border-color:var(--navy-2)}
.btn-line{background:transparent;color:var(--navy)}
.btn-line:hover{background:var(--tint)}
.actions{display:flex;flex-wrap:wrap;gap:12px}

/* Sections */
main section{padding-block:44px}
.band-light{background:var(--tint)}
.sec-head{display:flex;align-items:baseline;justify-content:space-between;gap:16px;flex-wrap:wrap}
.sec-head a{font-weight:600}

/* Hero */
.hero{padding-block:40px 48px}
.hero-grid{display:grid;gap:32px;align-items:center}
.glance{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.side-head{font-family:var(--head);font-weight:700;color:var(--navy);font-size:16px;margin:0 0 12px}
.glance-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px;margin:0}
.glance-grid div{border-top:2px solid var(--navy);padding-top:10px;min-width:0}
.glance-grid dt{font-family:var(--head);font-weight:700;color:var(--navy);font-size:clamp(24px,2.6vw,32px);line-height:1.1;font-variant-numeric:tabular-nums}
.glance-grid dd{margin:6px 0 0;font-size:15px;color:var(--muted);line-height:1.45}

/* Cards */
.card-grid{list-style:none;padding:0;margin:0;display:grid;gap:16px}
.card-grid li{margin:0;display:flex}
.qcard{display:flex;flex-direction:column;gap:8px;width:100%;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--text)}
.qcard strong{font-family:var(--head);color:var(--navy);font-size:19px;line-height:1.3}
.qcard span{font-size:16px;color:var(--muted);flex:1}
.qcard em{font-style:normal;font-weight:600;color:var(--navy);font-size:16px}
.qcard:hover{border-color:var(--navy)}
.three{list-style:none;padding:0;margin:0 0 24px;display:grid;gap:18px}
.three li{margin:0;display:flex;flex-direction:column;gap:4px}
.three strong{font-family:var(--head);color:var(--navy);font-size:18px}
.three span{color:var(--muted)}
.two-col{display:grid;gap:28px;align-items:start}
.two-col > *{min-width:0}
.two-even{display:grid;gap:14px}
.bio-photo{border-radius:var(--radius);width:100%;max-width:360px;aspect-ratio:4/4.5;object-fit:cover;object-position:50% 25%}
.panel{background:var(--tint);border-radius:var(--radius);padding:22px;margin:28px 0}
.panel p:last-child{margin-bottom:0}

/* Article */
.article{padding-block:36px 8px}
.art-head{max-width:880px;margin-bottom:24px}
.crumb{font-size:15px;margin:0 0 8px}
.meta{font-size:15px;color:var(--muted);margin:0}
.art-grid{display:grid;gap:32px}
.art-main{min-width:0;max-width:var(--measure)}
.art-main h2{margin-top:40px}
.bottom-line{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:8px;padding:18px 20px;margin:0 0 8px;font-size:19px}
.bottom-line p{margin:0}
.art-side{display:grid;gap:18px;align-content:start;min-width:0}
.toc{display:none}
.toc ol{list-style:none;padding:0;margin:0;border-left:2px solid var(--line)}
.toc li{margin:0}
.toc a{display:block;padding:6px 0 6px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--muted);text-decoration:none;font-size:15px;line-height:1.35}
.toc a:hover{color:var(--navy);border-left-color:var(--navy)}
.side-card{background:var(--tint);border-radius:var(--radius);padding:22px}
.side-card p{font-size:16px}
.side-card .btn{width:100%}
.tablewrap{overflow-x:auto;margin:0 0 18px;border:1px solid var(--line);border-radius:10px;background:var(--card)}
table{border-collapse:collapse;width:100%;font-size:16px}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-family:var(--head);font-size:14px;color:var(--navy);background:#f3f2ee}
tr:last-child td{border-bottom:0}
.faq dt{font-family:var(--head);font-weight:600;color:var(--navy);margin:20px 0 6px}
.faq dd{margin:0 0 10px}
.sources{font-size:16px}

/* About */
.about-grid{display:grid;gap:28px;align-items:start}
.about-grid > *{min-width:0}
.about-text{max-width:var(--measure)}
.about-text h2{margin-top:32px}

/* Form */
form.lead{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px;min-width:0}
form.lead label{display:block;font-weight:600;margin:0 0 6px;font-size:16px}
form.lead input,form.lead select{width:100%;font:inherit;font-size:17px;padding:12px;border:1px solid #b9b7ae;border-radius:10px;background:var(--card);color:var(--text);margin:0 0 14px}
form.lead input:focus,form.lead select:focus{border-color:var(--navy)}
form.lead .btn{width:100%}
.hp{position:absolute;left:-9999px}

/* Placeholder */
.ph{display:inline-block;border:2px dashed #9a6b00;background:#fff6dc;color:#5a3f00;border-radius:6px;padding:0 6px;font-size:.9em}
.ph-box{border:2px dashed #9a6b00;background:#fff6dc;color:#5a3f00;border-radius:var(--radius);padding:18px 20px;font-size:16px}

/* Footer */
footer{margin-top:24px;background:var(--card);border-top:1px solid var(--line);padding-block:40px;font-size:15px;color:var(--muted)}
.foot-grid{display:grid;gap:22px}
.foot-name{font-family:var(--head);font-weight:700;color:var(--navy);font-size:18px;margin:0 0 6px}
.foot-head{font-family:var(--head);font-weight:600;color:var(--navy);margin:0 0 6px}
footer p{margin:0}
.foot-note{grid-column:1/-1;border-top:1px solid var(--line);padding-top:18px}

/* Tablet */
@media (min-width:700px){
  .site-name{flex-basis:auto;margin-right:auto}
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .two-even{grid-template-columns:1fr 1fr}
  .three{grid-template-columns:repeat(3,1fr);gap:28px}
  .foot-grid{grid-template-columns:1.3fr 1fr 1fr}
  .about-grid{grid-template-columns:280px minmax(0,1fr);gap:44px}
}

/* Desktop */
@media (min-width:1000px){
  body{font-size:18.5px}
  .site-nav .nav-cta{display:inline-flex;min-height:42px;padding:0 20px;font-size:15px;margin-left:8px}
  main section{padding-block:64px}
  .hero{padding-block:64px 72px}
  .hero-grid{grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:56px}
  .card-grid{grid-template-columns:repeat(3,1fr);gap:20px}
  .two-col{grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:56px;align-items:center}
  .two-col.form-row{align-items:start}
  .bio-photo{justify-self:end}
  .art-grid{grid-template-columns:minmax(0,var(--measure)) 300px;gap:64px;justify-content:space-between}
  .art-side{position:sticky;top:24px}
  .toc{display:block}
  .about-grid{grid-template-columns:360px minmax(0,1fr);gap:64px}
}
.two-even{margin-bottom:18px}

/* Homepage FAQ layout */
.num-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.num-grid .ph-box{min-height:96px;display:flex;align-items:flex-end}
.faq-grid{display:grid;gap:0;border-top:1px solid var(--line)}
.faq-item{padding-block:22px;border-bottom:1px solid var(--line);min-width:0}
.faq-item h3{margin:0 0 8px;font-size:19px}
.faq-item p{margin:0;color:var(--text)}
.author-strip{padding-block:28px!important;border-top:1px solid var(--line)}
.author{display:flex;gap:18px;align-items:center;max-width:var(--measure)}
.author img{width:80px;height:80px;border-radius:50%;object-fit:cover;object-position:50% 20%;flex:none}
.author p{margin:0;font-size:16px;color:var(--muted)}
.author strong{color:var(--navy)}
.hero .lede{max-width:52ch}
@media (min-width:700px){
  .num-grid{grid-template-columns:repeat(4,1fr)}
}
@media (min-width:1000px){
  .faq-grid{grid-template-columns:1fr 1fr;column-gap:56px}
  .hero{padding-block:56px 56px}
}

/* Final: stats, reviews, credentials */
.stat{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 16px;display:flex;flex-direction:column;gap:4px;min-width:0}
.stat-num{font-family:var(--head);font-weight:700;color:var(--navy);font-size:clamp(24px,2.6vw,32px);line-height:1.1;font-variant-numeric:tabular-nums}
.stat-label{font-size:15px;color:var(--muted)}
.review-grid{display:grid;gap:16px;margin-bottom:18px}
.review{margin:0;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;gap:12px}
.review blockquote{margin:0;font-size:16.5px;line-height:1.6}
.review figcaption{font-family:var(--head);font-weight:600;color:var(--navy);font-size:15px}
.creds{list-style:none;padding:0;margin:4px 0 8px;display:grid;gap:8px}
.creds li{margin:0;padding-left:14px;border-left:3px solid var(--navy)}
@media (min-width:1000px){.review-grid{grid-template-columns:repeat(3,1fr);align-items:start}}
@media (min-width:700px){.foot-grid{grid-template-columns:1.4fr 1fr 1.1fr 1fr}}
.card-grid.card-list{grid-template-columns:1fr;max-width:var(--measure)}