:root{--teal:#017086;--teal-d:#015a6c;--navy:#0A355E;--gray:#535353;--ice:#F0FCFF;--line:#D9D9D9;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Instrument Sans',Arial,Helvetica,sans-serif;color:var(--gray);line-height:1.6;font-size:17px;background:#fff}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.2vw,3.1rem);font-weight:700;color:var(--navy)}
h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:600}
h3{font-size:1.15rem;font-weight:600}
a{color:var(--teal)}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
.narrow{max-width:760px}
.center{text-align:center}
.preview-bar{background:#fff4d6;color:#6b4e00;text-align:center;font-size:13px;padding:6px 10px;border-bottom:1px solid #f0d58a}
.site-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.2) blur(6px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.brand{text-decoration:none;display:flex;flex-direction:column;line-height:1.1}
.brand-mark{font-weight:700;font-size:1.35rem;color:var(--teal);letter-spacing:-.01em}
.brand-mark.light{color:#fff}
.brand-sub{font-size:.8rem;color:var(--navy)}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:var(--navy);text-decoration:none;font-weight:500;font-size:.95rem}
.nav a.btn{color:#fff}
.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;font-weight:600;border:0;border-radius:8px;padding:12px 22px;cursor:pointer;font:inherit;font-weight:600}
.btn:hover{background:var(--teal-d)}
.btn-sm{padding:8px 14px;font-size:.9rem}
.btn-lg{padding:15px 28px;font-size:1.05rem}
.btn-block{width:100%}
.link-arrow{font-weight:600;text-decoration:none}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;font-weight:600;color:var(--teal);margin:0 0 .6em}
.eyebrow.light{color:#bfeef6}
.hero{background:linear-gradient(180deg,#fff 0%,var(--ice) 100%);padding:64px 0 56px}
.hero-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:48px;align-items:center}
.lead{font-size:1.15rem;color:#3f3f3f;max-width:640px}
.cta-row{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin:26px 0 18px}
.ticks{list-style:none;padding:0;margin:0}
.ticks li{position:relative;padding-left:28px;margin:.35em 0}
.ticks li:before{content:"";position:absolute;left:0;top:.45em;width:16px;height:16px;border-radius:50%;background:var(--teal);-webkit-mask:none}
.ticks li:after{content:"";position:absolute;left:5px;top:.62em;width:5px;height:8px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.ticks.light li{color:#e8f7fa}
.ticks.light li:before{background:#fff}.ticks.light li:after{border-color:var(--teal)}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 10px 30px rgba(10,53,94,.08);text-align:center}
.photo-ph,.cover-ph{background:repeating-linear-gradient(45deg,#eef6f8,#eef6f8 10px,#e3eef1 10px,#e3eef1 20px);border:1px dashed #9cc5ce;border-radius:10px;color:#4b6b73;font-size:.85rem;display:flex;align-items:center;justify-content:center;text-align:center;padding:14px}
.photo-ph{aspect-ratio:1/1;margin-bottom:14px}
.cover-ph{aspect-ratio:2/3;max-width:220px;margin:0 auto 12px}
.card-name{font-weight:700;color:var(--navy);margin:0}
.card-meta{font-size:.9rem;margin:.3em 0 0}
.trust{background:var(--navy);color:#dfe9f2;padding:26px 0}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.trust strong{display:block;color:#fff;font-size:1.35rem}
.trust span{font-size:.9rem}
.section{padding:72px 0}
.section.alt{background:var(--ice)}
.section-lead{font-size:1.05rem;max-width:720px;margin-top:-.2em}
.steps{list-style:none;padding:0;margin:32px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.steps li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px}
.num{display:inline-flex;width:36px;height:36px;border-radius:50%;background:var(--teal);color:#fff;font-weight:700;align-items:center;justify-content:center;margin-bottom:12px}
.two-col{display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:start}
.callout{background:#fff;border-left:4px solid var(--teal);border-radius:10px;padding:24px 26px;box-shadow:0 6px 20px rgba(10,53,94,.06)}
.callout ul{padding-left:1.1em;margin:0}.callout li{margin:.4em 0}
.news-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap}
.updated{font-size:.9rem;background:var(--ice);border:1px solid #cfe9ef;border-radius:999px;padding:6px 14px;color:var(--navy);margin:0 0 1em}
.news-list{list-style:none;padding:0;margin:24px 0 0;display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.news-item{border:1px solid var(--line);border-radius:12px;padding:18px 20px;background:#fff}
.news-item h3{font-size:1.05rem;margin:.2em 0 .4em}
.news-item h3 a{color:var(--navy);text-decoration:none}
.news-item h3 a:hover{color:var(--teal);text-decoration:underline}
.news-item p{margin:0;font-size:.95rem}
.news-meta{font-size:.8rem !important;text-transform:uppercase;letter-spacing:.05em;color:#6b7b84}
.news-meta .src{color:var(--teal);font-weight:600}
.news-sources{font-size:.8rem;color:#6b6b6b;margin-top:18px}
.news-cta{margin-top:22px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;background:var(--ice);border:1px solid #cfe9ef;border-radius:12px;padding:16px 20px}
.news-cta p{margin:0}
.book-card{text-align:center}
.muted{color:#6b6b6b;font-size:.9rem}
.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:20px}
blockquote.placeholder{margin:0;border:1px dashed #9cc5ce;border-radius:12px;padding:22px;background:#fbfeff;color:#4b6b73;font-style:italic}
.testimonials--two{grid-template-columns:repeat(2,1fr)}
blockquote.quote{margin:0;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:12px;padding:22px;background:#fff}
blockquote.quote p{margin:0 0 .8em;font-size:1.05rem;font-style:italic;color:var(--navy)}
blockquote.quote footer{font-size:.9rem;color:#6b6b6b;font-weight:600}
.book-card{border:1px solid var(--line);border-radius:12px;padding:28px 22px;background:#fff}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:10px 0}
summary{cursor:pointer;font-weight:600;color:var(--navy)}
details p{margin:.6em 0 0}
.consult{background:linear-gradient(135deg,var(--navy),#0b4a6e 60%,var(--teal));color:#e8f3f8}
.consult h2{color:#fff}
.small{font-size:.9rem}
.form{background:#fff;color:var(--gray);border-radius:14px;padding:26px;box-shadow:0 14px 40px rgba(0,0,0,.2)}
.row{margin-bottom:14px}
.row.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-size:.88rem;font-weight:600;color:var(--navy)}
input,select,textarea{display:block;width:100%;margin-top:5px;font:inherit;font-size:1rem;padding:11px 12px;border:1px solid #c9d3d8;border-radius:8px;background:#fff;color:#222}
input:focus,select:focus,textarea:focus{outline:2px solid var(--teal);border-color:var(--teal)}
.fine{font-size:.78rem;color:#6b6b6b;margin:.8em 0 0}
.consult .fine{color:#6b6b6b}
.inline-form{display:flex;gap:10px;max-width:480px;margin:18px auto 0}
.inline-form input{margin:0}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.site-footer{background:#082a4b;color:#b9c9d8;padding:40px 0;font-size:.92rem}
.site-footer a{color:#dff3f7}
.site-footer .fine{color:#9fb3c6}
.footer-grid{display:grid;grid-template-columns:1fr 2fr;gap:32px}
:target{scroll-margin-top:80px}
section[id]{scroll-margin-top:80px}
@media (max-width:900px){
  .hero-grid,.two-col,.footer-grid{grid-template-columns:1fr}
  .hero-card{max-width:360px}
  .trust-grid{grid-template-columns:1fr 1fr}
  .steps,.testimonials,.news-list{grid-template-columns:1fr}
  .nav a:not(.btn){display:none}
}
@media (max-width:520px){
  body{font-size:16px}
  .hero{padding:40px 0}
  .section{padding:52px 0}
  .row.two{grid-template-columns:1fr}
  .inline-form{flex-direction:column}
  .brand-sub{display:none}
  .cta-row .btn-lg{width:100%;text-align:center}
}
[hidden]{display:none!important}
/* Lead-form routing (Oct 23, 2026): newsletter status messages wrap below the field */
.inline-form{flex-wrap:wrap}
.inline-form input[type=email]{flex:1 1 220px}
.inline-form .lead-error,.inline-form .lead-ready{flex-basis:100%;margin:6px 0 0}
/* Exclusivity + savings (Oct 23, 2026) */
.hero-sub{font-size:1.3rem;font-weight:600;color:var(--teal-d);margin:-.1em 0 .7em;max-width:640px}
.callout.savings h3{margin-top:0}
.callout.savings sup,.consult sup{font-size:.7em}
.consult .light-fine{color:#bfdbe6}


/* Ads + mutual sponsors (Oct 24, 2026) */
.ad-band{padding:28px 0 0}
.ad-slot{border:1px solid var(--line);border-radius:12px;background:linear-gradient(145deg,#fbfeff 0%,#fff 55%,#f3fafc 100%);padding:16px 18px;box-shadow:0 6px 18px rgba(10,53,94,.05)}
.ad-slot__label{font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:#8a6a12;margin-bottom:10px}
.ad-slot__body{display:flex;gap:14px;align-items:center}
.ad-slot__body p{margin:.25em 0 .45em;font-size:.95rem}
.ad-slot__mark{flex:0 0 auto;width:52px;height:52px;border-radius:12px;display:grid;place-items:center;font-weight:700;font-size:.85rem;background:var(--teal);color:#fff;text-align:center;line-height:1.1}
.ad-slot__cta{font-weight:600;text-decoration:none}
.ad-slot__meta{margin-top:10px;font-size:.75rem;color:#6b7b84;font-family:ui-monospace,Menlo,monospace}
.ad-slot--sidebar{min-height:250px;display:flex;flex-direction:column;justify-content:space-between}
.ad-slot--sidebar .ad-slot__body{flex-direction:column;text-align:center}
.ad-slot--featured{border-color:#9cc5ce;background:linear-gradient(120deg,#eef9fb,#fff)}
.sponsor-card{border:1px solid #b7d8e0;border-radius:14px;background:#fff;padding:22px 24px;box-shadow:0 10px 28px rgba(10,53,94,.07);margin-top:8px}
.sponsor-card__label{display:inline-block;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:#8a6a12;margin-bottom:12px}
.sponsor-card__row{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.sponsor-card__logo{width:88px;height:88px;border-radius:14px;display:grid;place-items:center;flex:0 0 auto;font-weight:700;color:#fff;text-align:center;line-height:1.15;background:var(--navy)}
.sponsor-card__logo--aid{background:linear-gradient(145deg,#1a222c,#2a8f7c)}
.sponsor-card__copy{flex:1 1 240px}
.sponsor-card__copy h3{margin:0 0 .35em}
.sponsor-card__copy p{margin:0 0 .9em}
.featured-listing{margin:18px 0 22px}
.featured-listing__label{font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:#8a6a12;margin-bottom:8px}
.news-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:22px;align-items:start;margin-top:8px}
@media (max-width:900px){
  .news-layout{grid-template-columns:1fr}
  .ad-slot--sidebar{min-height:0}
  .nav a[href="advertise.html"]{display:none}
}