@font-face{font-family:Fraunces;src:url(/fonts/fraunces-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:Fraunces;src:url(/fonts/fraunces-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:Fraunces;src:url(/fonts/fraunces-latin-600-italic.woff2) format("woff2");font-weight:600;font-style:italic;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(/fonts/source-sans-3-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(/fonts/source-sans-3-latin-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(/fonts/source-sans-3-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(/fonts/source-sans-3-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
:root{--navy:#14213d;--navy2:#1f3157;--gold:#c8a24a;--gold2:#e4c77e;--goldtx:#856418;--ink:#1d2433;--muted:#525b6c;--paper:#f8f3e8;--tint:#efe7d6;--line:#e2d8c3;--sage:#3d6650;--rust:#9b4426}
*,*::before,*::after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Source Sans 3",system-ui,sans-serif;font-size:1.125rem;line-height:1.65;color:var(--ink);background:var(--paper)}
img{max-width:100%;height:auto;display:block}a{color:var(--navy2)}a:hover{color:var(--goldtx)}:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
h1,h2,h3{font-family:Fraunces,Georgia,serif;font-weight:600;color:var(--navy);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.3rem)}h2{font-size:clamp(1.55rem,3vw,2.2rem)}h3{font-size:1.22rem}p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding-inline:clamp(1rem,4vw,2rem)}.narrow{max-width:820px}
.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:99}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.eyebrow{font-weight:700;letter-spacing:.16em;text-transform:uppercase;font-size:.8rem;color:var(--goldtx);margin-bottom:.5rem}.eyebrow a{color:inherit;text-decoration:none}
.lead{font-size:1.22rem;color:var(--muted)}.center{text-align:center}.mt{margin-top:1.6rem}.mt2{margin-top:3rem}.small{font-size:.92rem}.tiny{font-size:.78rem;margin:.4rem 0 0;color:var(--muted)}.muted{color:var(--muted)}
/* header */
.top{background:var(--navy);position:sticky;top:0;z-index:20;border-bottom:3px solid var(--gold)}.top-row{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding-block:.7rem}
.brand{display:flex;align-items:center;gap:.55rem;color:#fff;text-decoration:none;font-family:Fraunces,Georgia,serif;font-weight:600;font-size:1.3rem;margin:0}.brand:hover{color:#fff}.brand i{color:var(--gold2)}
.coin{width:34px;height:34px;flex:none}.coin circle{fill:var(--gold)}.coin .ring{fill:none;stroke:var(--navy);stroke-width:1.4}.coin text{font:700 18px Georgia,serif;fill:var(--navy)}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:1.3rem}.nav a{color:#dfe5f1;text-decoration:none;font-weight:600;font-size:1rem}.nav a:hover,.nav a[aria-current]{color:var(--gold2)}
.menu-btn{display:none;background:none;border:2px solid var(--gold);color:#fff;border-radius:999px;padding:.35rem .95rem;font:inherit;font-weight:700;cursor:pointer}
@media (max-width:960px){.menu-btn{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);border-top:1px solid rgba(255,255,255,.12)}.nav.open{display:block}.nav ul{flex-direction:column;gap:0;padding:.5rem clamp(1rem,4vw,2rem) 1rem}.nav a{display:block;padding:.65rem 0}}
.crumbs{font-size:.9rem;color:var(--muted);padding-block:1rem 0}.crumbs a{color:var(--muted)}
/* buttons */
.btn{display:inline-block;font-weight:700;text-decoration:none;border-radius:999px;padding:.85rem 1.6rem;border:2px solid transparent;line-height:1.2;cursor:pointer;font-family:inherit;font-size:1.02rem}
.btn-sm{padding:.55rem 1.1rem;font-size:.95rem}.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:var(--gold2);color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy2);color:#fff}.btn-outline{border-color:var(--navy);color:var(--navy)}.btn-ghost{border-color:#fff;color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.actions{display:flex;flex-wrap:wrap;gap:.75rem}
/* hero */
.hero{position:relative;background:var(--navy);color:#fff}.hero-img img{width:100%;height:clamp(520px,44vw,640px);object-fit:cover;object-position:right center}
.hero-img{position:relative}.hero-img::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(20,33,61,.94) 0%,rgba(20,33,61,.82) 36%,rgba(20,33,61,0) 62%)}
.hero-inner{position:absolute;inset:0;display:flex;align-items:center;z-index:1}.hero-copy{max-width:560px}.hero h1{color:#fff}.hero h1 em{color:var(--gold2);font-style:italic}.hero .eyebrow{color:var(--gold2)}.hero .lead{color:#dfe5f1}
@media (max-width:820px){.hero-img img{height:250px;object-position:80% center}.hero-img::after{display:none}.hero-inner{position:static}.hero-copy{padding:1.8rem 0 2.4rem}}
.phero{position:relative;background:var(--navy)}.phero-img img{width:100%;height:340px;object-fit:cover;opacity:.35}.phero-inner{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:center;color:#fff}.phero h1{color:#fff}.phero .lead{color:#e6eaf3;max-width:720px}.phero .eyebrow{color:var(--gold2)}
@media (max-width:700px){.phero-img img{height:380px}}
/* sections */
.sec{padding:clamp(3rem,7vw,5.5rem) 0}.sec-tint{background:var(--tint)}.sec-navy{background:var(--navy);color:#dfe5f1}.sec-navy h2{color:#fff}.sec-navy .eyebrow{color:var(--gold2)}
.head{max-width:740px;margin:0 auto 2.2rem;text-align:center}.head p:last-child{color:var(--muted)}
.page-head{padding-block:1.6rem 1.8rem}.page-head .lead{max-width:760px}
.sgrid{display:grid;gap:1.1rem;grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.scard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.4rem;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s;position:relative}
.scard:hover{transform:translateY(-3px);box-shadow:0 18px 36px -24px rgba(20,33,61,.55);color:var(--ink)}.scard p{color:var(--muted);flex:1}
.num{font-family:Fraunces,Georgia,serif;font-weight:700;font-size:2rem;color:var(--gold);line-height:1;margin-bottom:.6rem}.more{font-weight:700;color:var(--navy2)}
.split{display:grid;gap:clamp(2rem,5vw,4rem);align-items:center}@media (min-width:900px){.split{grid-template-columns:1fr 1fr}}
.photo{margin:0}.photo img{border-radius:16px;box-shadow:0 24px 50px -30px rgba(20,33,61,.6)}
.tl{list-style:none;margin:0;padding:0 0 0 1.4rem;border-left:3px solid var(--gold)}.tl li{position:relative;padding:0 0 1.3rem 1rem}.tl li::before{content:"";position:absolute;left:-1.95rem;top:.35rem;width:.9rem;height:.9rem;border-radius:50%;background:var(--gold);border:3px solid var(--paper)}
.tl b{display:block;font-family:Fraunces,Georgia,serif;font-size:1.15rem;color:var(--navy)}.tl-mini b{color:var(--gold2)}.tl-mini li::before{border-color:var(--navy)}.tl-mini span{color:#dfe5f1}
.agrid{display:grid;gap:1.3rem;grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.acard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.acard:hover{transform:translateY(-3px);box-shadow:0 18px 36px -24px rgba(20,33,61,.55);color:var(--ink)}.acard-img img{aspect-ratio:3/2;object-fit:cover;width:100%}
.acard-body{padding:1.1rem 1.25rem 1.3rem}.acard-body p{color:var(--muted);margin:0;font-size:1rem}.kicker{display:block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--goldtx);margin-bottom:.3rem}
.tgrid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.tcard{display:block;background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:12px;padding:1.1rem 1.2rem;text-decoration:none;color:var(--ink)}.tcard:hover{box-shadow:0 12px 28px -18px rgba(20,33,61,.5);color:var(--ink)}.tcard p{margin:0;color:var(--muted);font-size:1rem}
/* article */
.art-head{padding-top:1.4rem}.art-fig{margin:0 auto 2rem;max-width:1040px}.art-fig img{border-radius:16px;aspect-ratio:16/8;object-fit:cover;width:100%}
.layout{display:grid;gap:2.5rem;padding-bottom:3rem}@media (min-width:960px){.layout{grid-template-columns:minmax(0,1fr) 300px}}
.prose{max-width:740px}.prose h2{margin-top:1.7em;font-size:1.6rem}.prose ul,.prose ol{padding-left:1.3rem}.prose li{margin:.35rem 0}
.callout{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:10px;padding:1rem 1.2rem;margin:1.4rem 0}
.side{display:flex;flex-direction:column;gap:1rem}@media (min-width:960px){.side{position:sticky;top:5.5rem;align-self:start}}
.sidebox{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.2rem 1.3rem}.sidebox h2{font-size:1.15rem}.sidebox ul{margin:0;padding-left:1.1rem}.sidebox li{margin:.35rem 0}.sidebox-gold{background:#f6ecd2;border-color:#e6d3a2}
.pn{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:2rem;border-top:1px solid var(--line);padding-top:1.4rem}.pn a{text-decoration:none;font-family:Fraunces,Georgia,serif;font-size:1.08rem}.pn span{display:block;font-family:"Source Sans 3",sans-serif;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--goldtx)}.pn .next{text-align:right}
.partners{margin:3rem 0;padding-top:2rem;border-top:1px solid var(--line)}
.pgrid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));margin:1rem 0}
.pcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:1.3rem}.pcard p{color:var(--muted);flex:1}.pcard .btn{align-self:flex-start}
.tag{align-self:flex-start;background:#f3ead4;color:var(--goldtx);font-size:.74rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:.2rem .6rem;border-radius:999px;margin-bottom:.7rem}.tag-quiet{background:var(--tint);color:var(--muted)}
.links li{margin:.4rem 0}
.gloss div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;margin:.7rem 0}.gloss dt{font-family:Fraunces,Georgia,serif;font-weight:600;font-size:1.15rem;color:var(--navy)}.gloss dd{margin:.25rem 0 0;color:var(--muted)}.gloss{margin:0 0 3rem}
/* calculators */
.calcbox{background:#fff;border:1px solid var(--line);border-radius:16px;padding:clamp(1.2rem,3vw,2rem);margin-bottom:1.4rem}
.calc{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.field label{display:block;font-weight:700;color:var(--navy);margin-bottom:.3rem;font-size:1rem}.inwrap{display:flex;align-items:center;border:2px solid var(--line);border-radius:10px;background:#fff}.inwrap:focus-within{border-color:var(--gold)}
.inwrap input{border:0;flex:1;min-width:0;padding:.7rem .8rem;font:inherit;background:none;border-radius:10px}.inwrap input:focus{outline:none}.inwrap span{padding-right:.8rem;color:var(--muted)}.hint{display:block;font-size:.85rem;color:var(--muted)}
.results{display:grid;gap:.8rem;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));margin-top:1.4rem}
.results div{background:var(--navy);color:#c5cee0;border-radius:12px;padding:.9rem 1rem}.results span{display:block;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase}.results b{display:block;color:#fff;font-size:1.5rem;font-family:Fraunces,Georgia,serif;margin-top:.15rem}.results .wide{grid-column:1/-1}
/* printables & quiz */
.ws{width:100%;border-collapse:collapse;background:#fff;margin-bottom:1.4rem;font-size:1rem}.ws caption{text-align:left;font-family:Fraunces,Georgia,serif;font-size:1.25rem;color:var(--navy);padding-bottom:.4rem}
.ws th,.ws td{border:1px solid #b9ae95;padding:.55rem .7rem;text-align:left}.ws th{background:var(--tint);color:var(--navy)}.ws td{height:2.1rem}
.chk{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.2rem 1.4rem;margin-bottom:1rem}.chk h2{font-size:1.25rem}.chk ul{list-style:none;padding:0;margin:0}.chk li{display:flex;gap:.7rem;padding:.35rem 0;border-bottom:1px dashed var(--line)}.chk li:last-child{border:0}.box{flex:none;width:1.05rem;height:1.05rem;border:2px solid var(--navy);border-radius:3px;margin-top:.35rem}
.printable{padding-bottom:3rem}
.quiz{padding-bottom:3rem}.q{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.1rem 1.3rem;margin:0 0 1rem}.q legend{font-family:Fraunces,Georgia,serif;font-weight:600;font-size:1.15rem;color:var(--navy);padding:0 .3rem}
.q label{display:block;padding:.35rem 0;cursor:pointer}.q.right{border-color:var(--sage);background:#eef5f0}.q.wrong{border-color:var(--rust);background:#fbefea}.why{margin:.5rem 0 0;font-style:italic}.score{font-family:Fraunces,Georgia,serif;font-size:1.4rem;color:var(--navy);margin-top:1rem}
/* form */
.form{display:grid;gap:.4rem;background:#fff;border:1px solid var(--line);border-radius:16px;padding:clamp(1.2rem,3vw,2rem);margin-bottom:3rem}.form label{font-weight:700;color:var(--navy);margin-top:.6rem}
.form input,.form textarea{font:inherit;padding:.7rem .8rem;border:2px solid var(--line);border-radius:10px;width:100%}.form input:focus,.form textarea:focus{border-color:var(--gold);outline:none}.form button{justify-self:start;margin-top:1rem}.hp{display:none}
.legal{padding-block:1.5rem 3rem}.legal h2{font-size:1.3rem}
/* footer */
.foot{background:#0d172c;color:#a7b1c6;font-size:.98rem;padding:3rem 0 1.5rem}.foot a{color:#dce2ee;text-decoration:none}.foot a:hover{color:var(--gold2)}
.foot-grid{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}.foot h2{font-family:"Source Sans 3",sans-serif;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold2)}
.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:.35rem 0}.foot .brand{margin-bottom:.8rem}.foot-legal{border-top:1px solid rgba(255,255,255,.1);margin-top:2rem;padding-top:1.4rem;font-size:.88rem}
@media (max-width:520px){.brand{font-size:1.08rem}.coin{width:28px;height:28px}}
@media print{.top,.foot,.crumbs,.noprint{display:none}body{background:#fff;font-size:11pt}.ws,.chk{break-inside:avoid}.page-head{padding:0}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}