:root {
  --navy: #14294f;
  --blue: #007eaa;
  --cyan: #00acd5;
  --ink: #192e4a;
  --muted: #526175;
  --line: #d9e0e7;
  --wash: #f1f5f8;
}
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  scroll-padding-top: 110px;
}
body {
  margin: 0;
  font:
    16px/1.65 Arial,
    Helvetica,
    sans-serif;
  color: var(--ink);
  background: #fff;
}
a {
  color: inherit;
  text-decoration: none;
}
a:hover {
  text-decoration: underline;
  text-underline-offset: 5px;
}
a,
button,
summary {
  -webkit-tap-highlight-color: transparent;
}
a:focus-visible,
button:focus-visible,
summary:focus-visible {
  outline: 3px solid var(--cyan);
  outline-offset: 6px;
}
button {
  font: inherit;
}
.skip {
  position: fixed;
  top: -80px;
  left: 20px;
  background: white;
  padding: 12px;
  z-index: 30;
}
.skip:focus {
  top: 10px;
}
header {
  height: 106px;
  padding: 10px 5.5%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid #e7ebf0;
}
.logo {
  width: 205px;
  height: auto;
  display: block;
}
nav {
  display: flex;
  gap: 30px;
  align-items: center;
  font-size: 14px;
  font-weight: 600;
}
.nav-cta {
  background: var(--navy);
  color: white;
  padding: 13px 22px;
}
.nav-cta span {
  margin-left: 24px;
}
.menu {
  display: none;
}
.hero {
  display: grid;
  grid-template-columns: 54% 46%;
  min-height: 665px;
  background: var(--navy);
  color: white;
}
.hero-copy {
  padding: 70px 9% 30px 10.2%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.eyebrow {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2.2px;
  margin-bottom: 24px;
  color: var(--blue);
}
.hero .eyebrow {
  color: #8ddced;
  display: flex;
  align-items: center;
  gap: 12px;
}
.eyebrow > span {
  height: 1px;
  width: 30px;
  background: var(--cyan);
}
h1,
h2,
h3,
p {
  margin-top: 0;
}
h1,
h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 400;
  line-height: 1.08;
  letter-spacing: -1.6px;
}
h1 {
  font-size: clamp(48px, 4.9vw, 78px);
  margin-bottom: 26px;
}
h2 {
  font-size: clamp(36px, 3.4vw, 52px);
  margin-bottom: 22px;
}
h3 {
  font-weight: 500;
  line-height: 1.3;
  font-size: 23px;
  margin-bottom: 15px;
}
.hero .lead {
  font-size: 21px;
  line-height: 1.5;
  max-width: 450px;
  margin-bottom: 15px;
}
.hero-copy > p:not(.lead) {
  color: #bccbdf;
  max-width: 420px;
}
.actions {
  display: flex;
  gap: 25px;
  align-items: center;
  margin: 16px 0 50px;
  flex-wrap: wrap;
}
.button {
  display: inline-flex;
  gap: 30px;
  align-items: center;
  justify-content: space-between;
  background: #00a5ce;
  color: #072845;
  padding: 15px 22px;
  font-size: 14px;
  font-weight: bold;
  transition: background 0.2s;
}
.button:hover {
  background: #7ce0f1;
  text-decoration: none;
}
.text-link {
  font-size: 14px;
  font-weight: 600;
  border-bottom: 1px solid #8695a4;
  padding-bottom: 7px;
  display: inline-block;
}
.text-link span {
  margin-left: 14px;
}
.hero-foot {
  margin-top: auto;
  border-top: 1px solid #47607c;
  width: 100%;
  padding-top: 21px;
  display: flex;
  justify-content: space-between;
  font-size: 10px;
  letter-spacing: 1.3px;
  gap: 16px;
}
.hero-foot span {
  font-size: 12px;
  letter-spacing: 0;
  color: #bfcddd;
}
.hero-photo {
  position: relative;
  overflow: hidden;
}
.hero-photo > img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 48%;
  position: absolute;
}
.hero-photo:after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    0deg,
    rgba(6, 27, 53, 0.85),
    rgba(21, 47, 81, 0.06) 70%
  );
}
.photo-caption {
  position: absolute;
  bottom: 38px;
  left: 42px;
  z-index: 1;
}
.photo-caption > span {
  font-size: 11px;
  letter-spacing: 2px;
}
.photo-caption p {
  font:
    40px/1.1 Georgia,
    serif;
  margin: 15px 0 0;
}
.principles {
  display: flex;
  justify-content: space-between;
  background: #edf3f7;
  padding: 25px 9%;
  font-size: 14px;
}
.principles span + span {
  border-left: 1px solid #bac9d3;
  padding-left: 8%;
}
.section {
  padding: 95px 8%;
  scroll-margin-top: 10px;
}
.approach {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 8%;
}
.approach-copy {
  padding-top: 40px;
}
.large {
  font-size: 23px;
  line-height: 1.55;
}
.approach-copy > p:not(.large),
.section-heading > p {
  color: var(--muted);
}
.investments {
  background: var(--wash);
}
.section-heading {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 32px;
}
.section-heading h2 {
  margin-bottom: 0;
}
.section-heading > p {
  max-width: 350px;
  margin-bottom: 4px;
}
.investment-card {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  background: var(--navy);
  color: #fff;
}
.investment-title {
  padding: 45px;
  border-right: 1px solid #48607a;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.tag {
  font-size: 11px;
  letter-spacing: 1.5px;
  color: #97ddeb;
  border: 1px solid #5d8b9c;
  padding: 5px 12px;
  margin-bottom: 28px;
}
.investment-title h3 {
  font:
    35px/1.18 Georgia,
    serif;
}
.investment-title p {
  color: #c4d0df;
  max-width: 370px;
}
.button.light {
  background: #fff;
  color: var(--navy);
  margin-top: 22px;
}
.button.light:hover {
  background: #d5f4fa;
}
.investment-details {
  padding: 30px 40px;
}
.investment-details > div {
  padding: 17px 0;
  border-bottom: 1px solid #48607a;
}
.investment-details > div:last-child {
  border: 0;
}
.investment-details span {
  font-size: 11px;
  letter-spacing: 1.6px;
  color: #80d5e8;
}
.investment-details p {
  font-size: 15px;
  line-height: 1.6;
  color: #e0e6ee;
  margin: 6px 0 0;
}
.risk-note {
  font-size: 13px;
  color: #566477;
  margin: 20px 0 0;
  max-width: 1000px;
}
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 55px;
}
.number {
  display: block;
  color: var(--blue);
  font:
    42px Georgia,
    serif;
  border-bottom: 1px solid var(--line);
  padding-bottom: 22px;
  margin-bottom: 25px;
}
.steps p {
  color: var(--muted);
}
.education {
  background: var(--wash);
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 8%;
}
.education > div > p {
  color: var(--muted);
}
.faqs {
  border-top: 1px solid #becbd6;
}
details {
  border-bottom: 1px solid #becbd6;
  padding: 20px 0;
}
summary {
  cursor: pointer;
  list-style: none;
  font-size: 18px;
  padding-right: 35px;
  position: relative;
}
summary::-webkit-details-marker {
  display: none;
}
summary:after {
  content: "+";
  position: absolute;
  right: 5px;
  font-size: 23px;
  color: var(--blue);
}
details[open] summary:after {
  content: "−";
}
details p {
  color: var(--muted);
  font-size: 15px;
  margin: 16px 35px 0 0;
}
.team {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  margin-top: 45px;
}
.team article {
  display: flex;
  gap: 24px;
  border-top: 1px solid var(--line);
  padding-top: 30px;
}
.initials {
  width: 64px;
  height: 64px;
  flex-shrink: 0;
  background: #eaf2f7;
  color: var(--blue);
  display: grid;
  place-items: center;
  font:
    25px Georgia,
    serif;
}
.team h3 {
  margin: 0 0 5px;
}
.role {
  color: var(--blue);
  font-size: 14px;
}
.team p {
  font-size: 15px;
  color: var(--muted);
  margin-top: 20px;
}
.team a {
  font-size: 14px;
  font-weight: bold;
}
.contact {
  background: var(--navy);
  color: #fff;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 12%;
}
.contact .eyebrow {
  color: #8cdeed;
}
.contact h2 {
  font-size: clamp(38px, 3.8vw, 58px);
}
.contact p {
  color: #c4d0df;
}
.contact-details {
  border-left: 1px solid #466180;
  padding: 10px 0 0 55px;
}
.contact-details > span {
  display: block;
  color: #95b0cb;
  font-size: 11px;
  letter-spacing: 1.8px;
  margin-bottom: 9px;
}
.contact-details > a {
  display: block;
  font-size: 28px;
  margin-bottom: 25px;
}
.contact-details small {
  font-size: 16px;
}
.contact-details address {
  font-style: normal;
  margin-bottom: 25px;
}
.contact-details .email {
  font-size: 18px;
  overflow-wrap: anywhere;
}
footer {
  padding: 50px 8% 20px;
}
.footer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  padding-bottom: 35px;
}
.footer-top p {
  color: var(--muted);
  font-size: 15px;
  margin: 0;
}
.footer-top > div {
  display: flex;
  flex-direction: column;
  font-size: 13px;
  gap: 7px;
}
.disclosures {
  border-top: 1px solid var(--line);
  padding-top: 28px;
  color: #627084;
}
.disclosures h3 {
  font-size: 14px;
  margin-bottom: 12px;
}
.disclosures p {
  font-size: 12px;
  line-height: 1.75;
}
.copyright {
  display: flex;
  justify-content: space-between;
  border-top: 1px solid var(--line);
  padding-top: 20px;
  font-size: 12px;
  color: var(--muted);
}
@media (min-width: 1600px) {
  body {
    max-width: 1920px;
    margin: auto;
  }
}
@media (max-width: 1100px) {
  nav {
    gap: 18px;
  }
  header {
    padding-inline: 4%;
  }
  .logo {
    width: 170px;
  }
  .hero-copy {
    padding-top: 50px;
  }
  h1 {
    font-size: 55px;
  }
  .hero-foot {
    flex-direction: column;
    gap: 2px;
  }
  .principles {
    padding-inline: 5%;
  }
  .principles span + span {
    padding-left: 5%;
  }
  .investment-title {
    padding: 30px;
  }
  .section {
    padding: 75px 6%;
  }
  .contact-details {
    padding-left: 30px;
  }
}
@media (max-width: 800px) {
  html {
    scroll-padding-top: 90px;
  }
  header {
    height: 85px;
  }
  .logo {
    width: 155px;
  }
  .menu {
    display: flex;
    gap: 15px;
    border: 1px solid #cbd5df;
    background: #fff;
    padding: 7px 12px;
    font-size: 14px;
  }
  nav {
    display: none;
    position: absolute;
    top: 85px;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    padding: 20px 6%;
    background: white;
    border-bottom: 1px solid #ddd;
    gap: 0;
  }
  nav.open {
    display: flex;
  }
  nav a {
    padding: 12px;
  }
  .hero {
    grid-template-columns: 1fr;
  }
  .hero-copy {
    padding: 48px 7% 30px;
  }
  .hero h1 {
    font-size: clamp(46px, 9vw, 66px);
  }
  .hero-copy .lead {
    font-size: 20px;
  }
  .hero-photo {
    height: 320px;
  }
  .hero-foot {
    flex-direction: row;
    flex-wrap: wrap;
  }
  .photo-caption {
    left: 7%;
    bottom: 25px;
  }
  .photo-caption p {
    font-size: 33px;
  }
  .actions {
    margin-bottom: 35px;
  }
  .principles {
    gap: 15px;
    padding: 20px 7%;
    flex-wrap: wrap;
  }
  .principles span {
    font-size: 12px;
  }
  .principles span + span {
    border: 0;
    padding: 0;
  }
  .section {
    padding: 60px 7%;
  }
  .approach,
  .education,
  .contact {
    grid-template-columns: 1fr;
    gap: 25px;
  }
  .approach-copy {
    padding: 0;
  }
  .section-heading {
    display: block;
  }
  .section-heading > p,
  .section-heading > .text-link {
    margin-top: 23px;
  }
  .investment-card {
    grid-template-columns: 1fr;
  }
  .investment-title {
    border-right: 0;
    border-bottom: 1px solid #48607a;
    padding: 30px;
  }
  .investment-title h3 {
    font-size: 30px;
  }
  .investment-details {
    padding: 15px 30px;
  }
  .steps {
    grid-template-columns: 1fr;
    gap: 22px;
    margin-top: 30px;
  }
  .number {
    font-size: 32px;
    padding-bottom: 10px;
    margin-bottom: 18px;
  }
  .steps p {
    margin-bottom: 0;
  }
  .team {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .contact-details {
    padding: 30px 0 0;
    border-left: 0;
    border-top: 1px solid #466180;
    margin-top: 15px;
  }
  .footer-top {
    align-items: flex-start;
    flex-wrap: wrap;
  }
  .copyright {
    gap: 20px;
    font-size: 11px;
  }
  h2 {
    letter-spacing: -1px;
  }
  .button {
    gap: 20px;
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  * {
    transition: none !important;
  }
}
.access-menu {
  position: relative;
  border: 0;
  padding: 0;
}
.access-menu summary {
  cursor: pointer;
  list-style: none;
  font-size: 14px;
  padding-right: 18px;
}
.access-menu summary::-webkit-details-marker {
  display: none;
}
.access-menu summary:after {
  content: "⌄";
  position: absolute;
  right: 0;
  color: var(--blue);
}
.access-menu[open] summary:after {
  content: "⌃";
}
.access-menu > div {
  position: absolute;
  top: 34px;
  left: -18px;
  min-width: 190px;
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 12px 28px rgba(20, 41, 79, 0.14);
  padding: 8px;
  z-index: 30;
}
.access-menu > div a {
  display: block;
  padding: 10px 12px;
  white-space: nowrap;
}
.access-menu > div a:hover {
  background: var(--wash);
  text-decoration: none;
}
@media (max-width: 800px) {
  .access-menu {
    padding: 12px;
  }
  .access-menu > div {
    position: static;
    box-shadow: none;
    border: 0;
    border-left: 2px solid var(--cyan);
    margin-top: 10px;
    padding: 0 0 0 10px;
  }
  .access-menu > div a {
    padding: 9px 10px;
  }
}
.learn-hero {
  background: var(--navy);
  color: #fff;
  padding-block: 65px 60px;
}
.breadcrumb {
  display: inline-block;
  font-size: 14px;
  color: #bfd1e2;
  margin-bottom: 30px;
}
.learn-hero .eyebrow {
  color: #8ddced;
}
.learn-hero h1 {
  font-size: clamp(46px, 5vw, 72px);
}
.learn-hero .lead {
  max-width: 640px;
  font-size: 21px;
  color: #d6e1eb;
}
.learn-meta {
  font-size: 13px;
  color: #b2c7da;
  margin-bottom: 0;
}
.topic-nav {
  display: flex;
  background: var(--wash);
  padding: 22px 8%;
  gap: 30px;
  flex-wrap: wrap;
  border-bottom: 1px solid var(--line);
  font-size: 14px;
}
.learning-layout {
  display: grid;
  grid-template-columns: 230px minmax(0, 1fr);
  gap: 8%;
  padding: 65px 8% 85px;
  align-items: start;
}
.learning-aside {
  position: sticky;
  top: 140px;
}
.learning-aside p {
  font-size: 14px;
  color: var(--muted);
}
.learning-aside .eyebrow {
  display: block;
  font-size: 11px;
}
.learning-aside h3 {
  font-family: Georgia, serif;
  font-size: 28px;
}
.lesson {
  padding: 0 0 55px;
  margin: 0 0 55px;
  border-bottom: 1px solid var(--line);
  scroll-margin-top: 130px;
}
.lesson:last-child {
  border: 0;
  margin: 0;
  padding: 0;
}
.lesson > .eyebrow {
  display: block;
}
.lesson h2 {
  font-size: clamp(33px, 3.2vw, 47px);
}
.lesson > p {
  max-width: 780px;
}
.lesson p,
.lesson li {
  color: var(--muted);
}
.lesson details p,
.lesson details li {
  font-size: 16px;
}
.lesson details {
  padding: 22px 0;
}
.lesson details a {
  margin-top: 15px;
}
.lesson ul {
  padding-left: 24px;
}
.lesson li {
  margin-bottom: 10px;
}
.comparison {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 28px 0;
}
.comparison > div {
  border-top: 3px solid var(--cyan);
  padding: 24px;
  background: var(--wash);
}
.comparison h3 {
  font-size: 21px;
}
.comparison p {
  margin: 0;
  font-size: 15px;
}
.learning-callout {
  background: #edf6fa;
  border-left: 3px solid var(--blue);
  padding: 23px 26px;
  margin: 25px 0;
}
.learning-callout p {
  margin: 8px 0 0;
}
.learning-callout a {
  margin-top: 20px;
}
.lesson .source {
  font-size: 13px;
  margin-top: 22px;
}
.source a {
  color: var(--blue);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.example {
  background: var(--navy);
  color: white;
  padding: 30px;
  margin: 28px 0;
}
.example > span {
  font-size: 11px;
  letter-spacing: 1.4px;
  color: #8cdeed;
}
.example h3 {
  margin-top: 17px;
  font-family: Georgia, serif;
  font-size: 27px;
}
.example p {
  color: #d6e1eb;
  font-size: 15px;
}
.example p:last-child {
  margin-bottom: 0;
}
.example-numbers {
  display: flex;
  align-items: center;
  gap: 35px;
  border-block: 1px solid #49607c;
  padding: 22px 0;
  margin: 22px 0;
}
.example-numbers strong {
  display: block;
  color: #8cdeed;
  font:
    40px Georgia,
    serif;
}
.example-numbers div span {
  font-size: 12px;
}
.risk-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 30px;
  margin: 28px 0;
}
.risk-grid > div {
  border-top: 1px solid var(--line);
  padding-top: 22px;
}
.risk-grid h3 {
  font-size: 20px;
}
.risk-grid p {
  font-size: 15px;
}
.reading-list {
  list-style: decimal-leading-zero;
  padding-left: 35px;
}
.reading-list li {
  padding: 16px 0 16px 12px;
  border-bottom: 1px solid var(--line);
}
.reading-list strong {
  display: block;
  color: var(--ink);
  font-size: 18px;
}
.reading-list span {
  display: block;
  margin-top: 7px;
}
.reading-list li::marker {
  color: var(--blue);
}
@media (max-width: 800px) {
  .topic-nav {
    position: static;
    flex-direction: row;
    align-items: center;
    gap: 12px 22px;
    padding: 20px 7%;
    font-size: 13px;
  }
  .topic-nav a {
    padding: 0;
  }
  .learning-layout {
    grid-template-columns: 1fr;
    gap: 35px;
    padding: 40px 7% 60px;
  }
  .learning-aside {
    position: static;
    border-bottom: 1px solid var(--line);
    padding-bottom: 25px;
  }
  .lesson {
    scroll-margin-top: 105px;
    margin-bottom: 40px;
    padding-bottom: 40px;
  }
  .comparison,
  .risk-grid {
    grid-template-columns: 1fr;
  }
  .example {
    padding: 24px;
  }
  .example-numbers {
    gap: 20px;
  }
  .example-numbers strong {
    font-size: 34px;
  }
  .example-numbers div span {
    font-size: 11px;
  }
  .learn-hero {
    padding-block: 40px;
  }
  .lesson details summary {
    font-size: 18px;
  }
}
[hidden] {
  display: none !important;
}
.tool-home-link {
  margin-top: 18px;
}
.learning-tool-banner {
  margin: 45px 8% 0;
  padding: 30px;
  background: var(--wash);
  display: flex;
  gap: 30px;
  align-items: center;
  justify-content: space-between;
}
.learning-tool-banner .eyebrow {
  display: block;
  margin-bottom: 12px;
}
.learning-tool-banner h2 {
  font-size: 32px;
  margin-bottom: 10px;
}
.learning-tool-banner p {
  margin: 0;
  color: var(--muted);
}
.learning-tool-banner .button {
  flex-shrink: 0;
}
.tool-intro {
  background: var(--navy);
  color: white;
  padding-block: 40px;
}
.tool-intro .eyebrow {
  color: #8ddced;
}
.tool-intro h1 {
  font-size: clamp(42px, 4.5vw, 64px);
  margin-bottom: 20px;
}
.tool-intro > p {
  max-width: 700px;
  font-size: 18px;
}
.privacy-strip {
  font-size: 13px;
  border-top: 1px solid #49607c;
  padding-top: 15px;
  color: #c7dae9;
}
.tool-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr);
  align-items: start;
  gap: 6%;
  padding: 55px 8%;
}
.tool-layout fieldset {
  border: 0;
  padding: 0 0 30px;
  margin: 0 0 30px;
  border-bottom: 1px solid var(--line);
  min-width: 0;
}
.tool-layout legend {
  font:
    28px/1.25 Georgia,
    serif;
  padding: 0;
  margin-bottom: 24px;
}
.field {
  display: flex;
  flex-direction: column;
  margin-bottom: 20px;
}
.field label {
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 8px;
}
.field input,
.field select {
  width: 100%;
  min-height: 48px;
  border: 1px solid #a5b6c7;
  background: white;
  border-radius: 0;
  padding: 10px 12px;
  font:
    16px Arial,
    sans-serif;
  color: var(--ink);
}
.field input:focus,
.field select:focus {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}
.field small,
.field-help {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.6;
  margin-top: 8px;
}
.income-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}
.check-label {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  margin: 15px 0;
  cursor: pointer;
}
.check-label input {
  width: 20px;
  height: 20px;
  accent-color: var(--blue);
}
.tool-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.tool-actions button {
  cursor: pointer;
  border: 0;
}
.reset-button {
  background: none;
  text-decoration: underline;
  padding: 12px;
}
.tool-result {
  position: sticky;
  top: 135px;
  background: var(--wash);
  border-top: 4px solid var(--cyan);
  padding: 30px;
  scroll-margin-top: 110px;
}
.tool-result h2 {
  font-size: 35px;
  line-height: 1.2;
}
.tool-result p {
  color: var(--muted);
  font-size: 15px;
}
.tool-result .learning-callout {
  background: #fff;
  padding: 20px;
}
.result-amount {
  background: var(--navy);
  color: white;
  padding: 24px;
  margin-top: 25px;
}
.result-amount > span,
.result-amount small {
  display: block;
  font-size: 12px;
}
.result-amount strong {
  display: block;
  font:
    44px Georgia,
    serif;
  margin: 10px 0;
  color: #8cdeed;
}
.result-math {
  font-size: 14px;
}
.result-math > div {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
}
.result-math dd {
  margin: 0;
  white-space: nowrap;
  font-weight: bold;
}
.result-reasons {
  padding-left: 20px;
  font-size: 14px;
  color: var(--muted);
}
.tool-notes {
  background: var(--wash);
  padding-top: 45px;
}
.tool-notes h2 {
  font-size: 36px;
}
.tool-notes > p {
  font-size: 14px;
  color: var(--muted);
}
.tool-notes .comparison > div {
  background: #fff;
}
@media (max-width: 900px) {
  .tool-layout {
    grid-template-columns: 1fr;
    padding: 40px 7%;
    gap: 35px;
  }
  .tool-result {
    position: static;
  }
  .learning-tool-banner {
    margin-inline: 7%;
    flex-direction: column;
    align-items: flex-start;
  }
  .income-grid {
    gap: 8px;
  }
  .income-grid label {
    font-size: 13px;
  }
}
@media (max-width: 420px) {
  .income-grid {
    grid-template-columns: 1fr;
  }
  .tool-result {
    padding: 24px;
  }
  .result-amount strong {
    font-size: 36px;
  }
}

/* Shared editorial refinement */
:root {
  --navy: #14294f;
  --ink: #1e304b;
  --muted: #526175;
  --line: #d9e2e9;
  --wash: #f3f6f9;
}
body {
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
h1,
h2 {
  letter-spacing: -0.035em;
  text-wrap: balance;
}
h3 {
  font-weight: 600;
}
p {
  text-wrap: pretty;
}
.section {
  padding: 88px max(6%, calc((100% - 1240px) / 2));
}
.eyebrow {
  font-size: 12px;
  letter-spacing: 0.15em;
}
.hero {
  grid-template-columns: 55% 45%;
  min-height: 650px;
}
.hero-copy {
  padding: 66px 9% 30px 10.9%;
}
.hero h1 {
  font-size: clamp(46px, 4.4vw, 72px);
  line-height: 1.12;
}
.hero-copy > p:not(.lead) {
  color: #d0daea;
  max-width: 470px;
}
.hero .lead {
  font-size: 22px;
  max-width: 470px;
}
.hero-foot {
  font-size: 12px;
  letter-spacing: 0.07em;
  flex-wrap: wrap;
}
.hero-foot span {
  font-size: 14px;
}
.photo-caption > span {
  font-size: 12px;
}
.photo-caption p {
  font-size: 42px;
  line-height: 1.15;
}
.principles {
  padding: 22px 6%;
  font-size: 14px;
  letter-spacing: 0.025em;
}
.principles span + span {
  padding-left: 8%;
}
.button {
  min-height: 48px;
  border-radius: 2px;
}
.text-link {
  line-height: 1.7;
}
.section-heading {
  gap: 48px;
  margin-bottom: 40px;
}
.section-heading > p {
  max-width: 340px;
}
.large {
  font-size: 22px;
}
.investment-title {
  padding: 42px;
}
.investment-details p,
.team p,
details p,
.comparison p,
.risk-grid p,
.example p,
.tool-result p {
  font-size: 16px;
}
.tag,
.investment-details span {
  font-size: 12px;
}
.risk-note {
  font-size: 14px;
  line-height: 1.7;
}
.performance-story {
  display: grid;
  grid-template-columns: minmax(280px, 0.8fr) minmax(440px, 1.2fr);
  gap: clamp(36px, 6vw, 82px);
  margin-top: 34px;
  padding: clamp(34px, 5vw, 64px);
  background:
    radial-gradient(circle at 78% 16%, rgba(39, 199, 232, 0.14), transparent 34%),
    linear-gradient(135deg, #0f2347, #162f5e 58%, #0f2347);
  color: #fff;
  overflow: hidden;
}
.performance-copy h3 {
  font: normal clamp(32px, 3.6vw, 51px)/1.08 Georgia, serif;
  margin: 22px 0 18px;
  letter-spacing: -0.025em;
}
.performance-copy > p {
  color: #cad8e8;
  max-width: 530px;
}
.performance-switch {
  display: flex;
  gap: 8px;
  margin: 26px 0 34px;
  flex-wrap: wrap;
}
.performance-target {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px 20px;
  margin: 26px 0 16px;
  padding: 20px 0;
  border-block: 1px solid rgba(255,255,255,.18);
}
.performance-target strong {
  color: #63dcf3;
  font-size: clamp(2.75rem, 5vw, 4rem);
  line-height: 1.1;
  font-variant-numeric: tabular-nums;
}
.performance-target div {
  flex: 1 1 190px;
}
.performance-target span {
  font-size: 1rem;
  font-weight: 700;
}
.performance-target p {
  margin: 6px 0 0;
  color: #cad8e8;
  font-size: .875rem;
  line-height: 1.5;
}
.performance-copy > .performance-disclaimer {
  font-size: .875rem;
  line-height: 1.65;
}
.performance-switch button {
  border: 1px solid rgba(255, 255, 255, 0.26);
  background: transparent;
  color: #dbe8f4;
  padding: 10px 15px;
  min-height: 44px;
  cursor: pointer;
}
.performance-switch button.active {
  background: #fff;
  border-color: #fff;
  color: var(--navy);
}
.performance-result {
  margin: 0;
  display: grid;
  gap: 0;
}
.performance-result > div {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 12px 0;
  border-top: 1px solid rgba(255,255,255,.18);
}
.performance-result dt {
  color: #b9cadb;
}
.performance-result dd {
  margin: 0;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.performance-chart {
  align-self: center;
  min-width: 0;
}
.chart-heading {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 20px;
  padding: 0 16px;
}
.chart-heading span {
  font-size: 11px;
  letter-spacing: .15em;
  color: #93dced;
}
.chart-heading strong {
  font: normal clamp(25px, 3vw, 38px)/1 Georgia, serif;
  font-variant-numeric: tabular-nums;
}
.performance-chart svg {
  display: block;
  width: 100%;
  height: auto;
  margin-top: 8px;
  overflow: visible;
}
.chart-grid line {
  stroke: rgba(255,255,255,.13);
  stroke-width: 1;
}
.chart-axis text {
  fill: #9eb2c8;
  font: 12px Arial, sans-serif;
}
.chart-area {
  fill: url(#performance-area);
}
.chart-line {
  fill: none;
  stroke: #2ad0ec;
  stroke-width: 5;
  stroke-linecap: round;
  filter: url(#performance-glow);
}
.chart-orbit {
  fill: rgba(42,208,236,.18);
  stroke: rgba(42,208,236,.5);
  stroke-width: 1;
}
.chart-point {
  fill: #fff;
  stroke: #2ad0ec;
  stroke-width: 3;
}
.chart-caption {
  color: #9fb2c8;
  font-size: 12px;
  line-height: 1.55;
  margin: 4px 16px 0;
}
.steps {
  gap: 36px;
}
.steps h3 {
  font-size: 22px;
}
.steps .number {
  font-size: 36px;
}
.contact-details > span {
  font-size: 12px;
}
.footer-top > div {
  font-size: 14px;
}
.disclosures p {
  font-size: 13px;
}
.copyright {
  font-size: 13px;
}
.learning-aside .eyebrow {
  font-size: 12px;
}
.example > span {
  font-size: 12px;
}
.field label,
.check-label {
  font-size: 16px;
}
.field small,
.field-help,
.privacy-strip {
  font-size: 14px;
}
.field input,
.field select {
  border-radius: 2px;
}
.tool-result {
  border-top-color: var(--blue);
}
nav a[aria-current="page"] {
  color: var(--blue);
  text-decoration: underline;
  text-underline-offset: 7px;
}
.breadcrumb {
  display: inline-block;
  font-size: 14px;
  margin-bottom: 20px;
  color: #d8e6f4;
}
/* Full leadership profiles, with portraits from Indigoblue Law. */
.team {
  gap: 40px;
  margin-top: 0;
  align-items: stretch;
}
.team article.leader {
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1px solid var(--line);
  border-top: 3px solid var(--blue);
  padding: 32px;
  background: #fff;
  min-width: 0;
}
.leader-heading {
  display: flex;
  align-items: center;
  gap: 24px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--line);
}
.portrait {
  width: 124px;
  height: 150px;
  object-fit: cover;
  object-position: 50% 20%;
  background: var(--wash);
  flex-shrink: 0;
}
.leader-label {
  display: block;
  font-size: 12px;
  letter-spacing: 0.13em;
  color: var(--muted);
  margin-bottom: 10px;
}
.team h3 {
  font:
    30px/1.15 Georgia,
    serif;
  margin-bottom: 10px;
}
.role {
  font-size: 14px;
  color: var(--blue);
  display: block;
}
.leader-bio {
  padding: 24px 0 8px;
}
.team .leader-bio p {
  margin: 0 0 18px;
  line-height: 1.8;
}
.team .text-link {
  margin-top: auto;
  align-self: flex-start;
}
.leadership {
  background: linear-gradient(#fff, #f6f8fb);
}
@media (max-width: 1100px) {
  header nav {
    gap: 16px;
  }
  .hero-copy {
    padding-left: 8%;
    padding-right: 7%;
  }
  .section {
    padding: 72px 6%;
  }
  .team {
    gap: 24px;
  }
  .team article.leader {
    padding: 24px;
  }
  .leader-heading {
    gap: 18px;
  }
  .portrait {
    width: 100px;
    height: 126px;
  }
  .team h3 {
    font-size: 27px;
  }
  .hero-foot {
    flex-direction: column;
  }
  .contact {
    gap: 7%;
  }
}
@media (max-width: 800px) {
  .hero {
    grid-template-columns: 1fr;
    min-height: 0;
  }
  .hero-copy {
    padding: 48px 7% 30px;
  }
  .hero h1 {
    font-size: clamp(44px, 8.5vw, 64px);
  }
  .hero-photo {
    height: 320px;
  }
  .photo-caption p {
    font-size: 36px;
  }
  .hero .lead {
    font-size: 21px;
  }
  .hero-foot {
    flex-direction: row;
  }
  .section {
    padding: 56px 7%;
  }
  .principles {
    padding: 20px 7%;
    gap: 12px 24px;
  }
  .principles span {
    font-size: 14px;
  }
  .principles span + span {
    padding-left: 0;
  }
  .section-heading {
    margin-bottom: 30px;
  }
  .section-heading > p {
    margin-top: 22px;
  }
  .team {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .team article.leader {
    padding: 26px;
  }
  .leader-heading {
    gap: 22px;
  }
  .portrait {
    width: 110px;
    height: 136px;
  }
  .team h3 {
    font-size: 29px;
  }
  .investment-title {
    padding: 28px;
  }
  .investment-details {
    padding: 18px 28px;
  }
  .performance-story {
    grid-template-columns: 1fr;
    padding: 32px 24px;
  }
  .performance-copy h3 {
    font-size: 36px;
  }
  .performance-chart {
    margin-top: 6px;
  }
  .investment-title h3 {
    font-size: 31px;
  }
  .contact-details {
    padding: 24px 0 0;
    border-left: 0;
    border-top: 1px solid #466180;
  }
  .steps {
    gap: 28px;
  }
  .topic-nav {
    font-size: 14px;
  }
  .footer-top {
    align-items: flex-start;
  }
  .income-grid label {
    font-size: 14px;
  }
}
@media (max-width: 420px) {
  .leader-heading {
    align-items: flex-start;
    gap: 16px;
  }
  .portrait {
    width: 84px;
    height: 108px;
  }
  .team h3 {
    font-size: 25px;
  }
  .team article.leader {
    padding: 22px;
  }
  .role {
    font-size: 14px;
  }
  .photo-caption > span {
    letter-spacing: 0.1em;
  }
  .hero-foot {
    flex-direction: column;
  }
  .principles {
    flex-direction: column;
  }
  .button {
    gap: 16px;
  }
  .hero h1 {
    font-size: 44px;
  }
  .investment-title h3 {
    font-size: 28px;
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  * {
    transition: none !important;
  }
  .chart-line,
  .chart-area,
  .chart-orbit,
  .chart-point {
    animation: none !important;
  }
}