:root{--bg:#0b1425;--panel:#111f35;--panel2:#152640;--gold:#d9b66f;--white:#f6f8fc;--muted:#a9b5c8;--ink:#101827;--paper:#f3f5f8;--line:#dfe5ed;--green:#8dc5a5}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.55}a{color:inherit;text-decoration:none}.container{width:min(1180px,92%);margin:auto}
.topbar{background:#070d18;color:#bdc7d6;font-size:12px;letter-spacing:.12em;text-transform:uppercase;padding:8px 0}.topbar .container{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
header{background:var(--bg);color:white;border-bottom:1px solid #ffffff1c}.nav{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:82px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:.1em;font-size:14px;line-height:1.15}.logo{height:43px;width:43px;border:1px solid var(--gold);border-radius:5px;display:grid;place-items:center;color:var(--gold);font-size:18px;letter-spacing:-.06em}.brand small{display:block;color:var(--muted);font-size:11px;letter-spacing:.18em;font-weight:500;margin-top:5px}
nav{display:flex;align-items:center;gap:22px;font-size:13px;color:#d5dce7}nav a:hover{color:var(--gold)}.navbutton{border:1px solid var(--gold);color:var(--gold);padding:9px 13px;border-radius:3px}
.hero{background:linear-gradient(105deg,#0b1425 0%,#10213b 67%,#172b46 100%);color:var(--white);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-90px;top:-110px;width:470px;height:470px;border:1px solid #d9b66f35;transform:rotate(35deg);border-radius:50%;box-shadow:0 0 0 50px #d9b66f08,0 0 0 100px #d9b66f05}.hero-inner{position:relative;z-index:1;padding:78px 0 45px;display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center}.eyebrow{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:800}.hero h1{font-size:clamp(39px,5vw,66px);line-height:1.04;letter-spacing:-.045em;margin:16px 0 18px;max-width:780px}.hero h1 span{color:var(--gold)}.hero p{font-size:17px;line-height:1.7;color:#c3ccda;max-width:690px;margin:0 0 27px}.actions{display:flex;gap:11px;flex-wrap:wrap}.btn{display:inline-block;padding:12px 17px;border-radius:3px;font-size:13px;font-weight:800}.btn-gold{background:var(--gold);color:#0b1425}.btn-outline{border:1px solid #ffffff5c;color:#fff}.hero-note{border-left:1px solid #d9b66f85;padding:18px 0 18px 24px}.hero-note .big{font-size:39px;color:var(--gold);font-weight:800;line-height:1}.hero-note p{font-size:13px;margin:10px 0 20px}.hero-note .line{height:1px;background:#ffffff23;margin:15px 0}.metrics{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #ffffff24;margin-top:22px}.metric{padding:19px 18px 19px 0;border-right:1px solid #ffffff20}.metric:last-child{border:0;padding-left:18px}.metric:nth-child(2){padding-left:18px}.metric strong{display:block;color:var(--gold);font-size:15px}.metric span{font-size:11px;color:#bac5d6}
main{background:var(--paper)}.section{padding:62px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:25px;margin-bottom:24px}.section-head h2{font-size:clamp(27px,3.4vw,38px);letter-spacing:-.035em;line-height:1.15;margin:7px 0}.section-head p{color:#566277;max-width:540px;font-size:14px;margin:0}.text-link{font-size:12px;font-weight:800;color:#7a5c1b;white-space:nowrap;border-bottom:1px solid #d9b66f;padding-bottom:4px}
.report-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:16px}.feature{background:white;border:1px solid var(--line);min-height:290px;display:flex;flex-direction:column}.feature.primary{background:var(--bg);color:white;border-color:var(--bg)}.feature-top{padding:22px 22px 0}.tag{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.13em;color:#7a5c1b}.primary .tag{color:var(--gold)}.feature h3{font-size:22px;line-height:1.2;margin:14px 0 10px;letter-spacing:-.02em}.feature p{font-size:13px;color:#566277;margin:0;line-height:1.65}.primary p{color:#b9c4d4}.feature-bottom{margin-top:auto;padding:22px;display:flex;align-items:center;justify-content:space-between;border-top:1px solid var(--line);font-size:11px;color:#5f6b7e}.primary .feature-bottom{border-color:#ffffff20;color:#b8c3d4}.arrow{font-size:19px;color:#7a5c1b}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:22px}.panel{background:white;border:1px solid var(--line);padding:25px}.panel h3{margin:7px 0 10px;font-size:23px;letter-spacing:-.025em}.panel>p{font-size:13px;color:#566277}.service-list{margin-top:20px;display:grid;gap:0}.service{display:grid;grid-template-columns:36px 1fr 20px;gap:12px;align-items:start;padding:15px 0;border-top:1px solid var(--line)}.service .n{font-size:11px;color:#7a5c1b;font-weight:800;padding-top:3px}.service strong{display:block;font-size:14px}.service span{display:block;font-size:12px;color:#566277;margin-top:3px}.service b{color:#7a5c1b}
.editorial{background:#0f1c30;color:white}.editorial .section-head p{color:#b8c4d5}.editorial-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:28px}.editorial-lead{padding:26px;border:1px solid #ffffff25;background:#14243c}.editorial-lead h3{font-size:27px;line-height:1.2;margin:13px 0}.editorial-lead p{font-size:13px;color:#b9c5d6}.editorial-list{display:grid;gap:0}.editorial-item{padding:18px 0;border-bottom:1px solid #ffffff24}.editorial-item:first-child{padding-top:0}.editorial-item h4{margin:7px 0;font-size:16px}.editorial-item p{margin:0;color:#b9c5d6;font-size:12px}.label{font-size:12px;letter-spacing:.13em;text-transform:uppercase;color:var(--gold);font-weight:800}
.approach{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:start}.approach h2{font-size:clamp(28px,3.4vw,40px);line-height:1.13;letter-spacing:-.04em;margin:10px 0}.approach>div>p{color:#667286;font-size:14px}.steps{display:grid;grid-template-columns:1fr 1fr;gap:12px}.step{padding:18px;background:white;border:1px solid var(--line)}.step .n{color:#7a5c1b;font-weight:800;font-size:11px}.step h3{font-size:15px;margin:7px 0}.step p{font-size:12px;color:#566277;margin:0}
.cta{background:#e9edf2;border-top:1px solid #dce3eb;border-bottom:1px solid #dce3eb;padding:36px 0}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}.cta h2{font-size:25px;margin:0 0 5px;letter-spacing:-.03em}.cta p{margin:0;color:#667286;font-size:13px}
footer{background:#070d18;color:#d1d8e3;padding:28px 0 22px}.footer-main{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.footer-brand{font-weight:800;letter-spacing:.1em}.footer-main p{font-size:12px;color:#a8b4c7;max-width:490px}.footer-links{display:flex;gap:18px;flex-wrap:wrap;font-size:12px;color:#c5cedb}.legal{border-top:1px solid #ffffff20;margin-top:20px;padding-top:17px;color:#8e9bb0;font-size:12px;line-height:1.7}
@media(max-width:800px){.hero-inner{grid-template-columns:1fr;padding-top:58px}.hero-note{display:none}.report-grid{grid-template-columns:1fr}.feature{min-height:230px}.cols,.editorial-grid,.approach{grid-template-columns:1fr}.section-head{align-items:start;flex-direction:column}.metrics{grid-template-columns:repeat(3,1fr)}nav{gap:16px;overflow-x:auto;white-space:nowrap;padding-bottom:2px}.nav{flex-wrap:wrap;gap:6px 25px;padding:10px 0}.section{padding:48px 0}.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.metrics{grid-template-columns:1fr}.metric,.metric:nth-child(2),.metric:last-child{padding:12px 0;border-right:0;border-bottom:1px solid #ffffff20}.steps{grid-template-columns:1fr}.hero h1{font-size:40px}.topbar .container span:last-child{display:none}}
/* ---- V3 additions ---- */
.skip{position:absolute;left:-999px;top:0;background:#d9b66f;color:#0b1425;padding:10px 14px;font-weight:800;z-index:10}.skip:focus{left:8px;top:8px}
a:focus-visible,.btn:focus-visible{outline:3px solid #d9b66f;outline-offset:3px}main a:focus-visible{outline-color:#7a5c1b}
.pt0{padding-top:0}.text-link.on-dark{color:var(--gold)}
a.feature{color:inherit}a.feature:hover{border-color:#d9b66f}a.feature:hover .arrow{transform:translate(2px,-2px)}.arrow{transition:transform .15s}
.soon{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#d9b66f;border:1px solid #d9b66f66;border-radius:3px;padding:2px 7px;margin-left:8px}
.note-list{display:grid;gap:0}.note-row{display:block;padding:22px 0;border-bottom:1px solid var(--line)}.note-row:first-child{padding-top:0}.note-row h2,.note-row h3{margin:6px 0;font-size:22px;letter-spacing:-.02em;line-height:1.25}.note-row p{margin:0;color:#566277;font-size:14px;max-width:70ch}.note-row:hover h2,.note-row:hover h3{color:#7a5c1b}.meta{font-size:12px;color:#566277;letter-spacing:.04em}
.article{max-width:760px;margin:auto}.article h1{font-size:clamp(30px,4.4vw,44px);line-height:1.12;letter-spacing:-.035em;margin:10px 0 14px}.article h2{font-size:24px;letter-spacing:-.02em;margin:34px 0 8px}.article h3{font-size:18px;margin:26px 0 6px}.article p,.article li{font-size:17px;line-height:1.75;color:#1d2636}.article ul,.article ol{padding-left:22px}.article blockquote{margin:22px 0;padding:6px 0 6px 18px;border-left:3px solid #d9b66f;color:#2a3548}.article hr{border:0;border-top:1px solid var(--line);margin:30px 0}.article a{color:#7a5c1b;text-decoration:underline}
.callout{background:#fff;border:1px solid var(--line);border-left:3px solid #d9b66f;padding:14px 18px;margin:30px 0;font-size:13px;color:#566277;line-height:1.7}
.page-head{background:var(--bg);color:#fff;padding:44px 0 34px}.page-head h1{margin:8px 0 8px;font-size:clamp(30px,4.4vw,46px);letter-spacing:-.035em;line-height:1.1}.page-head p{margin:0;color:#c3ccda;max-width:680px}
.crumbs{font-size:13px;margin-bottom:18px}.crumbs a{color:#7a5c1b;text-decoration:underline}
.footer-links a:hover,.footer-links a:focus-visible{color:#d9b66f}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.main-bg{background:var(--paper)}.h3like{margin:7px 0 10px;font-size:23px;letter-spacing:-.025em}.h4like{margin:7px 0;font-size:16px}.editorial-lead h3.lead-title{font-size:27px;line-height:1.2;margin:13px 0}.editorial-lead .meta{color:#b9c5d6}
.approach{display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;align-items:start}

.editorial-item .h4like{margin:7px 0;font-size:16px}.editorial-item p{font-size:13px}.editorial-lead{display:block;color:#fff}.editorial-lead .read{color:#d9b66f;font-weight:700;text-decoration:underline}.editorial-lead:hover h3{color:#d9b66f}.label{font-size:11px}

/* ===== V4 premium layer ===== */
:root{--serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;--gold-deep:#7a5c1b}
.site-header{position:sticky;top:0;z-index:50;background:rgba(11,20,37,.97);backdrop-filter:saturate(1.2) blur(8px);border-bottom:0;box-shadow:0 1px 0 #ffffff14}
.site-header:after{content:"";display:block;height:2px;background:linear-gradient(90deg,transparent,#d9b66f 18%,#d9b66f 82%,transparent);opacity:.7}
html{scroll-padding-top:96px}
.hero h1,.section-head h2,.approach h2,.page-head h1,.article h1,.article h2,.cta h2,.faq h2,.panel .h3like,.feature h3,.lead-title,.note-row h2{font-family:var(--serif);font-weight:700}
.hero h1{letter-spacing:-.025em;line-height:1.06}.section-head h2,.approach h2,.faq h2{letter-spacing:-.02em}
.hero{background:radial-gradient(1000px 420px at 85% -10%,#1d3558 0%,transparent 60%),linear-gradient(105deg,#0b1425 0%,#10213b 67%,#172b46 100%)}
.hero-inner{padding:92px 0 56px}
.hero p{font-size:18px}
.btn{min-height:46px;display:inline-flex;align-items:center;transition:transform .18s ease,background .18s ease,box-shadow .18s ease,border-color .18s ease}
.btn-gold{box-shadow:0 6px 18px #d9b66f26}.btn-gold:hover{background:#e6c783;transform:translateY(-2px);box-shadow:0 10px 24px #d9b66f3d}
.btn-outline:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
.navbutton{transition:background .18s,color .18s}.navbutton:hover{background:var(--gold);color:#0b1425}
nav a{padding:6px 0}
.feature,.panel,.step,.editorial-lead,.note-row{transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
a.feature:hover{transform:translateY(-4px);box-shadow:0 18px 40px #0b142526;border-color:#d9b66f}
.step:hover,.panel:hover{box-shadow:0 12px 30px #0b14251a}
.feature{box-shadow:0 1px 2px #0b14250a}
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.trust-grid>div{padding:22px 22px 22px 0;border-right:1px solid var(--line);margin-right:22px}.trust-grid>div:last-child{border:0;margin-right:0}
.trust strong{display:block;font-family:var(--serif);font-size:18px;color:#0b1425}.trust span{display:block;font-size:13px;color:#566277;margin-top:3px;line-height:1.5}
.trust strong:before{content:"";display:inline-block;width:8px;height:8px;background:#d9b66f;transform:rotate(45deg);margin-right:10px;vertical-align:2px}
.faq{background:#fff}.faq-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.faq h2{font-size:clamp(28px,3.4vw,40px);line-height:1.13;margin:10px 0}.faq-wrap>div>p{color:#566277;font-size:15px}
.faq-list details{border-top:1px solid var(--line)}.faq-list details:last-child{border-bottom:1px solid var(--line)}
.faq-list summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:700;font-size:16px;position:relative;min-height:44px}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:after{content:"+";position:absolute;right:4px;top:14px;font-size:24px;color:var(--gold-deep);font-weight:400;transition:transform .2s}
.faq-list details[open] summary:after{transform:rotate(45deg)}
.faq-list details p{margin:0 0 18px;color:#3a465a;font-size:15px;line-height:1.7;max-width:62ch}.faq-list a{color:var(--gold-deep);text-decoration:underline}
.article{font-family:var(--serif)}.article p,.article li{font-size:18px;line-height:1.8}.article .eyebrow,.article .meta,.article .crumbs,.article .callout{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.article h2,.article h3{font-family:var(--serif)}
.post-nav{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:40px 0 0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.post-nav a{display:block;border:1px solid var(--line);background:#fff;padding:16px 18px;transition:border-color .2s,transform .2s}.post-nav a:hover{border-color:#d9b66f;transform:translateY(-2px)}
.post-nav small{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);font-weight:800}.post-nav span{display:block;font-family:var(--serif);font-size:17px;margin-top:4px;line-height:1.3}.post-nav .next{text-align:right}
.footer-main{gap:40px}footer{border-top:2px solid #d9b66f66}
a:focus-visible,summary:focus-visible,.btn:focus-visible{outline:3px solid #d9b66f;outline-offset:3px}
@media(max-width:800px){
 html{scroll-padding-top:72px}
 .site-header{position:static}
 .site-header .nav{flex-direction:column;align-items:flex-start;gap:6px;padding:14px 0 10px;min-height:0}
 .site-header nav{overflow:visible;white-space:normal;flex-wrap:wrap;gap:4px 18px;font-size:14px;width:100%}
 .site-header nav a{padding:10px 0;min-height:44px;display:inline-flex;align-items:center}
 .site-header .navbutton{padding:0 14px;margin-top:2px}
 .hero-inner{padding:52px 0 34px}.hero h1{font-size:clamp(36px,10vw,46px)}.hero p{font-size:16px}
 .btn{width:100%;justify-content:center}.actions{width:100%}
 .trust-grid{grid-template-columns:1fr 1fr}.trust-grid>div{border-right:0;border-bottom:1px solid var(--line);margin:0;padding:16px 14px 16px 0}
 .faq-wrap{grid-template-columns:1fr;gap:20px}
 .section{padding:48px 0}.post-nav{grid-template-columns:1fr}.post-nav .next{text-align:left}
 .article p,.article li{font-size:17px}
}
@media(max-width:480px){.trust-grid{grid-template-columns:1fr}.cta .btn{width:100%}}
@media print{.topbar,.site-header,.cta,footer nav,.post-nav{display:none}body{background:#fff}.article{max-width:none}}

/* ===== V5 research-platform layer ===== */
.nav nav{gap:20px}
.site-header nav a{white-space:nowrap}
.crumbs.light{color:#c3ccda;margin-bottom:14px}.crumbs.light a{color:#d9b66f;text-decoration:underline}.crumbs.light span{color:#fff}
.searchband{background:#fff;border-bottom:1px solid var(--line);padding:22px 0}
.searchform label{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--gold-deep);margin-bottom:8px}
.searchrow{display:flex;gap:10px;max-width:720px}
.searchrow input,.fld input{flex:1;min-height:46px;padding:10px 14px;border:1px solid #b9c3d1;border-radius:3px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
.searchrow input:focus,.fld input:focus{outline:3px solid #d9b66f;outline-offset:1px;border-color:#7a5c1b}
.quick{margin-top:12px;font-size:13px;color:#566277;display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center}.quick a{color:#7a5c1b;text-decoration:underline;padding:6px 0}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card-grid.sm{grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}
.rcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);padding:20px;min-height:200px;transition:transform .2s,box-shadow .2s,border-color .2s}
.rcard:hover{transform:translateY(-3px);border-color:#d9b66f;box-shadow:0 14px 32px #0b142520}
.rcard[hidden]{display:none}
.rcard .badge{font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-deep)}
.rcard h3{font-family:var(--serif);font-size:20px;line-height:1.25;margin:10px 0 8px;letter-spacing:-.01em}
.rcard p{font-size:14px;color:#566277;margin:0 0 14px;line-height:1.6}
.rcard .meta{margin-top:auto;font-size:12px;color:#566277}
.card-grid.dark .rcard{background:#14243c;border-color:#ffffff25;color:#fff}.card-grid.dark .rcard p,.card-grid.dark .rcard .meta{color:#b9c5d6}.card-grid.dark .rcard .badge{color:#d9b66f}.card-grid.dark .rcard:hover{border-color:#d9b66f}
.more{margin:22px 0 0}.more a:not(.btn){color:#d9b66f;text-decoration:underline;font-weight:700}
.section .more a:not(.btn){color:var(--gold-deep)}.editorial .more a:not(.btn){color:#d9b66f}
.btn-ghost{border:1px solid #b9c3d1;color:var(--ink);background:#fff}.btn-ghost:hover{border-color:#7a5c1b}
.pillars .feature h3{font-family:var(--serif)}
.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.tcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);padding:20px;transition:transform .2s,box-shadow .2s,border-color .2s}
.tcard:hover{transform:translateY(-3px);border-color:#d9b66f;box-shadow:0 14px 32px #0b142520}
.tcard h3{font-family:var(--serif);font-size:19px;margin:10px 0 6px}.tcard p{font-size:14px;color:#566277;margin:0 0 14px}.tcard .go{margin-top:auto;font-size:13px;font-weight:700;color:var(--gold-deep)}
.status{display:inline-block;align-self:flex-start;font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;border-radius:3px;padding:3px 8px}
.status.ok{background:#e8f3ec;color:#1f5a38;border:1px solid #b8d9c4}.status.soon{background:#f1f3f6;color:#4a5568;border:1px solid #cfd6e0}
.planned{margin-top:20px;font-size:14px;color:#3a465a;background:#fff;border:1px dashed #b9c3d1;padding:14px 18px}
.plannedlist{list-style:none;padding:0;margin:12px 0 0;display:grid;gap:10px}.plannedlist li{font-size:16px}
.gap{margin-top:44px}.h3like{font-family:var(--serif)}
.tools{background:var(--paper)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 6px}
.chip{font:inherit;font-size:14px;font-weight:600;min-height:44px;padding:8px 16px;border:1px solid #b9c3d1;background:#fff;color:var(--ink);border-radius:999px;cursor:pointer}
.chip[aria-pressed="true"]{background:#0b1425;color:#fff;border-color:#0b1425}.chip:hover{border-color:#7a5c1b}
.chip:focus-visible{outline:3px solid #d9b66f;outline-offset:2px}
.status-line{font-size:13px;color:#566277;margin:10px 0 16px}.empty{padding:24px;background:#fff;border:1px solid var(--line)}
.searchform.inpage{margin-bottom:6px}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 0;font-family:system-ui,sans-serif}.tags a{font-size:12px;border:1px solid var(--line);padding:5px 10px;border-radius:999px;color:#4a5568;text-decoration:none;background:#fff}.tags a:hover{border-color:#d9b66f}
.article.wide{max-width:1000px;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.related{margin-top:44px}.related h2{font-family:var(--serif);font-size:24px;margin:0 0 14px}
.toollinks{list-style:none;padding:0;margin:0;display:grid;gap:10px}.toollinks li{font-size:15px;background:#fff;border:1px solid var(--line);padding:12px 16px}.toollinks a{font-weight:700;color:var(--gold-deep);text-decoration:underline}.toollinks span{color:#566277;font-size:14px;display:block}
.lenses{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:16px 0 28px}.lenses>div{background:#fff;border:1px solid var(--line);padding:16px}.lenses strong{display:block;font-family:var(--serif);font-size:17px}.lenses span{display:block;font-size:14px;color:#566277;margin-top:4px}
.honest{border-left:3px solid #d9b66f;background:#fff;padding:14px 18px}.honest p{margin:4px 0 0;color:#3a465a;font-size:15px}
.tool-wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:32px;align-items:start}
.tool-side{position:sticky;top:104px;background:#fff;border:1px solid var(--line);border-top:3px solid #d9b66f;padding:20px}
.tool-side h2{margin:0 0 10px;font-size:22px}
.hint{font-size:14px;color:#566277;margin:0 0 14px}
.toolform fieldset{border:1px solid var(--line);background:#fff;padding:16px 18px 18px;margin:0 0 16px}.toolform legend{font-weight:800;font-size:14px;padding:0 8px;color:#0b1425}
.fgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px 16px}.fld{display:flex;flex-direction:column;gap:5px}.fld label{font-size:13px;font-weight:600;color:#2a3548}
.two{display:grid;grid-template-columns:1fr 1fr;gap:16px}.two .fgrid{grid-template-columns:1fr}
.qrows{display:grid;gap:10px}.qh{display:none}.qrow{display:grid;grid-template-columns:.8fr 1fr 1fr;gap:12px}
.formbtn{margin-top:4px}
.results{margin:0;display:grid;gap:0}.results>div{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-top:1px solid var(--line);font-size:15px}.results>div:first-child{border-top:0}.results dt{color:#3a465a}.results dd{margin:0;font-weight:800;text-align:right;color:#0b1425}
.results dd:only-child{font-weight:600}
.cmp{width:100%;border-collapse:collapse;font-size:14px}.cmp th,.cmp td{padding:9px 6px;border-top:1px solid var(--line);text-align:right}.cmp th:first-child,.cmp thead th:first-child{text-align:left;font-weight:600}.cmp thead th{border-top:0;font-size:12px}
.tool-notes{margin-top:34px;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;max-width:900px}.tool-notes h2{font-family:var(--serif);font-size:22px}.tool-notes li,.tool-notes p{font-size:15px;line-height:1.7}.tool-notes a{color:var(--gold-deep);text-decoration:underline}
.footer-cols{display:grid;grid-template-columns:repeat(3,auto);gap:34px 56px}.footer-cols h2{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#d9b66f;margin:0 0 10px}.footer-cols a{display:block;font-size:14px;color:#d5dce7;padding:5px 0}.footer-cols a:hover{color:#d9b66f}
.footer-main{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap}
.glossary-card{background:#0b1425;color:#fff}.glossary-card p{color:#b9c5d6}.glossary-card .badge{color:#d9b66f}
@media(max-width:1000px){.card-grid{grid-template-columns:1fr 1fr}.lenses{grid-template-columns:1fr 1fr}.tool-wrap{grid-template-columns:1fr}.tool-side{position:static}}
@media(max-width:800px){.card-grid,.lenses,.two{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}.qrow{grid-template-columns:1fr}.searchrow{flex-direction:column}.searchrow .btn{width:100%}.footer-cols{grid-template-columns:1fr 1fr;gap:20px 24px}.rcard{min-height:0}.hero .actions .btn{width:100%}}
@media(max-width:480px){.footer-cols{grid-template-columns:1fr}}
.toolform fieldset{min-width:0}.approach>*,.cols>*,.tool-wrap>*,.two>*{min-width:0}
@media(max-width:800px){.text-link{white-space:normal}}
.footer-main{align-items:flex-start}.footer-cols{align-items:start}
.article.tool-notes{margin:34px 0 0}
.article h2{font-size:20px;margin:30px 0 6px}.article h3{font-size:17px}

/* ===== V5.1 additions ===== */
.manualbox{background:#fff7e6;border:1px solid #e6cf9c;border-left:3px solid #d9b66f;padding:12px 16px;margin:0 0 18px;font-size:14px;line-height:1.6;color:#3a3220}
.err{margin:3px 0 0;font-size:13px;color:#9b1c1c;font-weight:600}.err[hidden]{display:none}
input[aria-invalid="true"]{border-color:#9b1c1c;background:#fff6f6}
.results .nm dt{color:#566277}.results .nmv{display:block;font-weight:700;color:#566277}.results .why{display:block;font-weight:400;font-size:13px;color:#566277;margin-top:3px;max-width:34ch;margin-left:auto}
.results .reading dd{font-weight:500;text-align:left;font-size:14px;line-height:1.55}.results .reading{flex-direction:column}
.warn{list-style:none;padding:10px 14px;margin:0 0 12px;background:#fff7e6;border:1px solid #e6cf9c;font-size:13px;color:#3a3220}.warn li+li{margin-top:6px}
.manual{margin:14px 0 0;font-size:12px;color:#566277}
.whylist{margin:10px 0 0;padding-left:18px;font-size:13px;color:#566277}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
/* long-form notes: tables, contents, sources */
.tablewrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);background:#fff;-webkit-overflow-scrolling:touch}
.tablewrap:focus-visible{outline:3px solid #d9b66f;outline-offset:2px}
.article table{border-collapse:collapse;width:100%;min-width:480px;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:14px}
.article caption{caption-side:top;text-align:left;padding:10px 12px;font-size:13px;font-weight:700;color:#3a465a}
.article th,.article td{padding:9px 12px;border-top:1px solid var(--line);vertical-align:top;line-height:1.5}
.article thead th{background:#0b1425;color:#fff;border-top:0;font-size:12px;letter-spacing:.06em;text-transform:uppercase}
.article tbody th{font-weight:700;text-align:left;color:#0b1425}
.a-right{text-align:right}.a-center{text-align:center}.a-left{text-align:left}
.toc{background:#fff;border:1px solid var(--line);border-left:3px solid #d9b66f;padding:14px 18px;margin:20px 0 26px;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.toc strong{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}.toc ol{margin:8px 0 0;padding-left:20px}.toc li{font-size:15px;line-height:1.5;margin:3px 0}.toc a{color:#0b1425;text-decoration:underline}
.cite{font-family:system-ui,sans-serif;font-size:11px;line-height:0;margin-left:1px}.cite a{color:var(--gold-deep);text-decoration:none;padding:0 1px;font-weight:700}.cite a:hover{text-decoration:underline}
.keyfacts{display:flex;flex-wrap:wrap;gap:6px 22px;font-family:system-ui,sans-serif;font-size:13px;color:#3a465a;background:#fff;border:1px solid var(--line);padding:10px 14px;margin:14px 0 20px}.keyfacts b{color:#0b1425}
.sources{margin-top:38px;padding-top:6px;border-top:2px solid #d9b66f;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.sources h2{font-family:var(--serif);font-size:22px;margin:16px 0 10px}
.sources ol{padding-left:22px;margin:0}.sources li{font-size:14px;line-height:1.65;margin:0 0 10px;color:#2a3548;scroll-margin-top:100px}
.sources li:target{background:#fff7e6}.sources a{color:var(--gold-deep);text-decoration:underline;word-break:break-word}
.chk{display:inline-block;margin-left:6px;font-size:11px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:2px 7px;border-radius:3px;background:#e8f3ec;color:#1f5a38;border:1px solid #b8d9c4;white-space:nowrap}
.srcnote{font-size:13px;color:#566277;margin:12px 0 0;line-height:1.6}
@media print{.toc,.tablewrap{border-color:#999}.article table{min-width:0}}
@media(max-width:800px){.article table{font-size:13px}.keyfacts{flex-direction:column;gap:4px}}
.fgrid{align-items:start}.article .srcnote{font-size:13px;line-height:1.6}.article .sources li{font-size:14px}
.widget{margin:12px 0 26px;min-height:120px;background:#fff;border:1px solid var(--line)}.gapsm{margin-top:20px}
.mflist{list-style:none;padding:0;margin:10px 0 24px;display:grid;gap:8px}.mfpick{display:block;width:100%;text-align:left;font:inherit;font-size:15px;padding:12px 14px;min-height:44px;background:#fff;border:1px solid var(--line);cursor:pointer;color:var(--ink)}.mfpick:hover{border-color:#d9b66f}.mfpick:focus-visible{outline:3px solid #d9b66f;outline-offset:2px}
.mfdetail{background:#fff;border:1px solid var(--line);border-top:3px solid #d9b66f;padding:20px;margin-top:10px}.navbig{font-size:16px;color:#3a465a}.navbig strong{font-family:var(--serif);font-size:30px;color:#0b1425;margin-right:8px}
.spark{width:100%;height:160px;display:block;margin:8px 0 4px;background:#fbfcfe;border:1px solid var(--line)}.spark path{fill:none;stroke:#7a5c1b;stroke-width:2}
/* market strip and hero market panel */
.tickerband{background:#070d18;border-bottom:1px solid #ffffff1c}.tickerwrap{min-height:46px}.tickernote{margin:0 auto;padding:4px 0 6px;font-size:11px;color:#9fb0c6;letter-spacing:.04em}.tickernote a{color:#d9b66f;text-decoration:underline}
.hero-market{border:1px solid #d9b66f55;background:#0f1d33cc;padding:16px 18px;border-radius:4px}.miniwrap{min-height:220px;margin-top:8px}.herolinks{display:flex;flex-wrap:wrap;gap:6px 16px;margin-top:10px;font-size:13px}.herolinks a{color:#d9b66f;text-decoration:underline}
@media(max-width:800px){.hero-market{display:block;margin-top:8px}}
.perfband{background:#fff;border-bottom:1px solid var(--line);padding:40px 0}