:root {
  --ink: #111111;
  --paper: #f4f1eb;
  --white: #ffffff;
  --red: #cc0000;
  --red-dark: #9e0000;
  --grey: #6c6c6c;
  --line: #d8d3ca;
  --max: 1180px;
  --shadow: 0 24px 70px rgba(17,17,17,.13);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select { font: inherit; }
.skip { position: fixed; left: 16px; top: -80px; z-index: 100; background: var(--white); padding: 12px 16px; }
.skip:focus { top: 16px; }
.topline { background: var(--ink); color: #eee; font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; }
.topline .wrap { min-height: 34px; display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.topline a { text-decoration: none; }
.wrap { width: min(var(--max), calc(100% - 40px)); margin-inline: auto; }
.site-header { position: sticky; top: 0; z-index: 40; background: rgba(244,241,235,.96); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.nav { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; min-width: 208px; }
.brand-mark { width: 40px; aspect-ratio: 1; background: var(--red); color: white; display: grid; place-items: center; font-weight: 900; letter-spacing: -.08em; }
.brand-copy { line-height: 1.05; }
.brand-copy strong { display: block; font-size: .98rem; }
.brand-copy span { display: block; margin-top: 5px; color: var(--grey); font-size: .7rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 24px; font-size: .88rem; font-weight: 700; }
.nav-links a { text-decoration: none; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--red); }
.nav-cta, .btn { display: inline-flex; align-items: center; justify-content: center; gap: 9px; border: 1px solid transparent; min-height: 48px; padding: 0 20px; background: var(--red); color: white; text-decoration: none; font-weight: 800; cursor: pointer; transition: .2s ease; }
.nav-cta:hover, .btn:hover { background: var(--red-dark); transform: translateY(-1px); }
.btn-dark { background: var(--ink); }
.btn-dark:hover { background: #333; }
.btn-outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-outline:hover { background: var(--ink); color: white; }
.menu-toggle { display: none; width: 46px; height: 46px; border: 1px solid var(--ink); background: transparent; font-weight: 900; }
.hero { min-height: 650px; position: relative; overflow: hidden; background: var(--ink); color: white; }
.hero::before { content:""; position: absolute; inset: 0; opacity: .24; background: repeating-linear-gradient(90deg, transparent 0 78px, rgba(255,255,255,.08) 79px 80px); }
.hero::after { content:""; position: absolute; width: 440px; height: 440px; border: 90px solid var(--red); border-radius: 50%; right: -95px; top: -120px; opacity: .9; }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.03fr .97fr; min-height: 650px; align-items: stretch; }
.hero-copy { display: flex; flex-direction: column; justify-content: center; padding: 82px 50px 86px 0; }
.eyebrow { margin: 0 0 20px; color: var(--red); font-size: .78rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 900; }
.hero .eyebrow { color: #ff4d4d; }
h1, h2, h3 { line-height: 1.05; margin-top: 0; }
h1, h2 { font-family: Georgia, "Times New Roman", serif; font-weight: 500; letter-spacing: -.035em; }
h1 { font-size: clamp(3rem, 6vw, 6rem); max-width: 780px; margin-bottom: 24px; }
h2 { font-size: clamp(2.2rem, 4vw, 4rem); margin-bottom: 20px; }
h3 { font-size: 1.22rem; margin-bottom: 10px; }
.hero-copy > p:not(.eyebrow) { max-width: 650px; font-size: 1.12rem; color: #d8d8d8; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 20px; }
.hero .btn-outline { border-color: white; color: white; }
.hero .btn-outline:hover { background: white; color: var(--ink); }
.hero-photo { position: relative; display: flex; align-items: flex-end; justify-content: center; min-width: 0; }
.hero-photo img { position: relative; z-index: 2; width: min(100%, 575px); max-height: 610px; object-fit: contain; object-position: center bottom; filter: drop-shadow(0 25px 50px rgba(0,0,0,.35)); }
.hero-label { position: absolute; z-index: 3; left: 18px; bottom: 28px; padding: 14px 18px; background: rgba(255,255,255,.94); color: var(--ink); box-shadow: var(--shadow); }
.hero-label strong { display: block; }
.hero-label span { color: var(--grey); font-size: .76rem; letter-spacing: .12em; text-transform: uppercase; }
.trust { background: var(--white); border-bottom: 1px solid var(--line); }
.trust-grid { min-height: 95px; display: grid; grid-template-columns: repeat(4,1fr); align-items: center; }
.trust-item { padding: 0 28px; border-left: 1px solid var(--line); }
.trust-item:first-child { border-left: 0; padding-left: 0; }
.trust-item strong { display:block; font-size:.92rem; }
.trust-item span { color: var(--grey); font-size:.8rem; }
.section { padding: 104px 0; }
.section-white { background: var(--white); }
.section-dark { background: var(--ink); color: white; }
.section-head { max-width: 760px; margin-bottom: 48px; }
.section-head p { color: var(--grey); font-size: 1.06rem; }
.section-dark .section-head p { color: #bdbdbd; }
.two-col { display:grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items:start; }
.cards { display:grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.card { background: var(--white); border: 1px solid var(--line); padding: 30px; min-height: 250px; display:flex; flex-direction:column; }
.card-number { color: var(--red); font: 700 2rem Georgia,serif; margin-bottom: 36px; }
.card p { color: var(--grey); }
.card a { margin-top: auto; font-weight: 800; text-decoration-color: var(--red); text-underline-offset: 5px; }
.tool-shell { background: var(--white); color: var(--ink); display:grid; grid-template-columns: .9fr 1.1fr; box-shadow: var(--shadow); }
.tool-intro { padding: 46px; background: var(--red); color: white; }
.tool-intro h2 { font-size: clamp(2.3rem,4vw,4rem); }
.tool-intro p { color: #ffe4e4; }
.tool-panel { padding: 38px 42px 42px; }
.tabs { display:flex; border-bottom:1px solid var(--line); margin-bottom:28px; }
.tab { appearance:none; border:0; background:transparent; padding:0 16px 14px; font-weight:900; color:var(--grey); cursor:pointer; border-bottom:3px solid transparent; }
.tab[aria-selected="true"] { color:var(--red); border-color:var(--red); }
.calc-panel[hidden] { display:none; }
.field-grid { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
.field { display:grid; gap:6px; }
.field.full { grid-column:1/-1; }
.field label { font-size:.78rem; font-weight:900; text-transform:uppercase; letter-spacing:.08em; }
.field input, .field select { width:100%; min-height:48px; border:1px solid #aaa; background:white; padding:10px 12px; }
.field input:focus, .field select:focus { outline:3px solid rgba(204,0,0,.16); border-color:var(--red); }
.results { margin-top:24px; display:grid; grid-template-columns:repeat(2,1fr); gap:10px; }
.result { background:#f1eee8; padding:16px; }
.result span { display:block; color:var(--grey); font-size:.75rem; text-transform:uppercase; letter-spacing:.08em; }
.result strong { display:block; font:700 1.5rem Georgia,serif; margin-top:5px; }
.result.primary { background:var(--ink); color:white; }
.result.primary span { color:#cfcfcf; }
.fineprint { color:var(--grey); font-size:.75rem; margin:18px 0 0; }
.steps { display:grid; grid-template-columns:repeat(6,1fr); gap:0; counter-reset:step; }
.step { position:relative; border-top:2px solid var(--red); padding:30px 22px 0 0; min-height:170px; counter-increment:step; }
.step::before { content:counter(step, decimal-leading-zero); position:absolute; top:-17px; left:0; background:var(--paper); color:var(--red); padding-right:10px; font-weight:900; }
.step p { color:var(--grey); font-size:.9rem; }
.local-panel { background:var(--red); color:white; padding:56px; position:relative; overflow:hidden; }
.local-panel::after { content:"SK"; position:absolute; right:-12px; bottom:-78px; font:900 12rem/1 sans-serif; color:rgba(255,255,255,.12); }
.local-panel p { max-width:720px; color:#ffe5e5; }
.quotes { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
blockquote { margin:0; padding:32px; background:var(--white); border:1px solid var(--line); }
blockquote p { font-family:Georgia,serif; font-size:1.17rem; }
blockquote cite { display:block; margin-top:25px; color:var(--red); font-style:normal; font-weight:900; }
.faq { display:grid; grid-template-columns:.7fr 1.3fr; gap:70px; }
.faq-list details { border-top:1px solid var(--line); padding:20px 0; }
.faq-list details:last-child { border-bottom:1px solid var(--line); }
.faq-list summary { cursor:pointer; font-weight:900; list-style:none; padding-right:36px; position:relative; }
.faq-list summary::after { content:"+"; position:absolute; right:4px; color:var(--red); font-size:1.35rem; }
.faq-list details[open] summary::after { content:"−"; }
.faq-list p { color:var(--grey); max-width:760px; }
.cta-band { padding:74px 0; background:var(--red); color:white; }
.cta-grid { display:flex; align-items:center; justify-content:space-between; gap:40px; }
.cta-grid h2 { margin:0; max-width:760px; }
.page-hero { padding:92px 0 80px; background:var(--ink); color:white; position:relative; overflow:hidden; }
.page-hero::after { content:""; position:absolute; width:340px; height:340px; border:70px solid var(--red); border-radius:50%; right:-110px; top:-160px; }
.page-hero .wrap { position:relative; z-index:1; }
.page-hero h1 { font-size:clamp(3rem,5vw,5.6rem); max-width:920px; }
.page-hero p { max-width:760px; color:#d0d0d0; font-size:1.12rem; }
.insights-hero { padding-bottom:110px; }
.featured-story { position:relative; z-index:2; margin-top:-58px; background:var(--white); border-left:8px solid var(--red); box-shadow:var(--shadow); padding:42px; display:grid; grid-template-columns:.45fr 1.55fr; gap:38px; align-items:start; }
.story-kicker, .article-meta { color:var(--red); font-size:.76rem; font-weight:900; letter-spacing:.1em; text-transform:uppercase; }
.featured-story h2 { font-size:clamp(2rem,3.4vw,3.4rem); }
.insight-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:20px; }
.insight-card { background:var(--white); border:1px solid var(--line); padding:30px; display:flex; flex-direction:column; min-height:315px; }
.insight-card h2 { font:500 2rem/1.08 Georgia,serif; margin:18px 0; }
.insight-card p { color:var(--grey); }
.insight-card a { margin-top:auto; font-weight:900; text-underline-offset:5px; text-decoration-color:var(--red); }
.article-shell { display:grid; grid-template-columns:minmax(0,790px) 300px; gap:70px; align-items:start; }
.article-body { font-size:1.05rem; }
.article-body h2 { margin-top:54px; font-size:2.35rem; }
.article-body h3 { margin-top:34px; }
.article-body p, .article-body li { color:#3f3f3f; }
.article-body li { margin-bottom:10px; }
.article-summary { background:var(--white); border-left:6px solid var(--red); padding:26px 28px; font:500 1.22rem/1.55 Georgia,serif; margin:0 0 38px; }
.article-note { background:#ebe7df; border:1px solid var(--line); padding:22px 24px; font-size:.9rem; margin:34px 0; }
.source-link { font-size:.86rem; color:var(--grey); }
.source-link a { color:var(--red); font-weight:800; }
.breadcrumbs { margin-bottom:30px; font-size:.78rem; text-transform:uppercase; letter-spacing:.09em; color:#bbb; }
.breadcrumbs a { color:white; }
.answer-box { border-left:7px solid var(--red); background:white; padding:34px 38px; box-shadow:var(--shadow); margin-top:-35px; position:relative; z-index:2; }
.answer-box h2 { font-size:2rem; }
.answer-box p:last-child { margin-bottom:0; }
.content-grid { display:grid; grid-template-columns:minmax(0,1fr) 330px; gap:70px; align-items:start; }
.prose h2 { margin-top:62px; font-size:2.5rem; }
.prose h2:first-child { margin-top:0; }
.prose h3 { margin-top:30px; }
.prose p, .prose li { color:#474747; }
.prose ul, .prose ol { padding-left:22px; }
.prose li { margin-bottom:10px; }
.checklist { list-style:none; padding:0!important; display:grid; grid-template-columns:1fr 1fr; gap:12px; }
.checklist li { background:white; border:1px solid var(--line); padding:16px 16px 16px 44px; position:relative; margin:0; }
.checklist li::before { content:"✓"; position:absolute; left:16px; color:var(--red); font-weight:900; }
.side-card { position:sticky; top:130px; background:var(--ink); color:white; padding:30px; }
.side-card p { color:#ccc; }
.side-card .btn { width:100%; margin-top:10px; }
.license { margin-top:24px; color:#999!important; font-size:.74rem; }
.footer { background:#090909; color:white; padding:70px 0 28px; }
.footer-grid { display:grid; grid-template-columns:1.25fr .7fr .7fr 1fr; gap:40px; }
.footer h3 { font-size:.78rem; text-transform:uppercase; letter-spacing:.12em; color:#aaa; }
.footer a { display:block; color:#ddd; text-decoration:none; margin:7px 0; }
.footer .brand { margin-bottom:20px; }
.footer-bottom { margin-top:55px; padding-top:24px; border-top:1px solid #292929; display:flex; justify-content:space-between; gap:20px; color:#888; font-size:.75rem; }
dialog { width:min(720px,calc(100% - 28px)); max-height:92vh; border:0; padding:0; box-shadow:0 30px 100px rgba(0,0,0,.5); }
dialog::backdrop { background:rgba(0,0,0,.72); }
.modal-head { padding:22px 24px; background:var(--ink); color:white; display:flex; justify-content:space-between; gap:20px; align-items:center; }
.modal-head strong { font-size:1.15rem; }
.modal-close { width:40px; height:40px; border:1px solid #555; background:transparent; color:white; cursor:pointer; font-size:1.3rem; }
.modal-body { padding:0; background:white; }
.modal-body iframe { width:100%; height:min(72vh,740px); border:0; }
.modal-fallback { padding:12px 20px; font-size:.8rem; background:#f0eee9; }
.modal-fallback a { color:var(--red); font-weight:800; }
@media (max-width: 980px) {
  .nav-links { position:absolute; left:0; right:0; top:79px; padding:22px 20px 28px; background:var(--paper); border-bottom:1px solid var(--line); display:none; flex-direction:column; align-items:flex-start; }
  .nav-links.open { display:flex; }
  .menu-toggle { display:block; }
  .nav > .nav-cta { display:none; }
  .hero-grid { grid-template-columns:1fr; }
  .hero-copy { padding:70px 0 18px; }
  .hero-photo { min-height:480px; }
  .hero-photo img { max-height:500px; }
  .hero::after { right:-190px; }
  .trust-grid { grid-template-columns:1fr 1fr; }
  .trust-item { padding:20px; border-top:1px solid var(--line); }
  .cards, .quotes { grid-template-columns:1fr 1fr; }
  .tool-shell, .faq, .content-grid, .footer-grid { grid-template-columns:1fr; }
  .article-shell { grid-template-columns:1fr; }
  .steps { grid-template-columns:repeat(3,1fr); row-gap:35px; }
  .side-card { position:static; }
}
@media (max-width: 650px) {
  .wrap { width:min(var(--max),calc(100% - 28px)); }
  .topline .wrap { justify-content:center; }
  .topline span { display:none; }
  .brand-copy strong { font-size:.87rem; }
  .section { padding:76px 0; }
  .hero { min-height:auto; }
  .hero-grid { min-height:auto; }
  h1 { font-size:clamp(2.8rem,14vw,4.3rem); }
  .hero-copy { padding-top:58px; }
  .hero-photo { min-height:390px; }
  .hero-photo img { max-height:410px; }
  .hero-label { left:0; bottom:16px; }
  .trust-grid, .cards, .quotes, .field-grid, .results { grid-template-columns:1fr; }
  .trust-item, .trust-item:first-child { padding:16px 0; border-left:0; }
  .tool-intro, .tool-panel, .local-panel { padding:30px 24px; }
  .steps { grid-template-columns:1fr 1fr; }
  .two-col, .checklist { grid-template-columns:1fr; gap:28px; }
  .featured-story, .insight-grid { grid-template-columns:1fr; }
  .featured-story { padding:28px 24px; gap:12px; }
  .cta-grid { align-items:flex-start; flex-direction:column; }
  .footer-bottom { flex-direction:column; }
  .page-hero { padding:70px 0 60px; }
  .answer-box { padding:26px 24px; }
}
@media (prefers-reduced-motion: reduce) { * { scroll-behavior:auto!important; transition:none!important; } }