:root{
  --bg:#f3f5f9; --ink:#10192b; --muted:#4b566b;
  --accent:#e2a93a; --on-accent:#0c1830;
  --hdr-bg:#0b1730; --hdr-ink:#ffffff;
  --ftr-bg:#060c18; --ftr-ink:#aeb7c8; --ftr-link:#ecc67a;
  --display:"Newsreader",Georgia,"Times New Roman",serif; --body:var(--display);
  --fs:20px; --mark-size:23px; --nav-size:17px;
}
.hdr{border-bottom:1px solid rgba(255,255,255,.08)}

/* hero: dusk over the Santa Clarita hills */
.hero{position:relative;overflow:hidden;color:#fff;
  background:linear-gradient(180deg,#0b1730 0%,#14264d 36%,#3a3f6c 60%,#b4764b 84%,#e8b062 100%)}
.hero .wrap{position:relative;z-index:2;padding-top:51px;padding-bottom:188px}
.hero h1{font:500 clamp(33px,4.8vw,62px)/1 var(--display);letter-spacing:-.022em;margin:0 0 18px;max-width:12em}
.hero .tag{font:italic 400 clamp(18px,1.9vw,22px)/1.35 var(--display);color:#f6dca6;margin:0 0 27px;max-width:25em}
.hero .btn{display:inline-block;background:var(--accent);color:var(--on-accent);font:600 18px/1 var(--display);text-decoration:none;padding:14px 26px;border-radius:2px}
.hero .btn:hover{background:#f0bc52}
.hero .serving{margin:20px 0 0;font-size:16px;color:#d3d9e6;line-height:1.5}
.ridges{position:absolute;left:0;right:0;bottom:-1px;height:315px;width:100%;z-index:1}

.intro{padding:64px 0 56px}
.intro h2{font:500 clamp(36px,4.3vw,58px)/1.04 var(--display);letter-spacing:-.016em;margin:0 0 36px;color:#0b1730}
.reviews{max-width:340px}
.prose{columns:2;column-gap:64px}.prose p{break-inside:avoid-column}
.prose p:first-child{color:#0b1730}
.prose strong{font-weight:600;color:#0b1730}
.prose a{color:#7d5110;text-decoration-color:var(--accent);text-underline-offset:3px}

.media{background:#0b1730;padding:92px 0}
.media .wrap{display:grid;grid-template-columns:7fr 5fr;gap:52px;align-items:center}
.media .video{box-shadow:0 30px 60px rgba(0,0,0,.45)}
.media .webinar img{box-shadow:0 24px 50px rgba(0,0,0,.4)}

.places{padding:96px 0 88px}
.places h2{font:500 clamp(28px,3.2vw,40px)/1.15 var(--display);margin:0 0 30px;color:#0b1730;letter-spacing:-.01em}
.places ul{list-style:none;margin:0 0 28px;padding:0;display:flex;flex-wrap:wrap;gap:4px 40px}
.places a{font:500 clamp(30px,4vw,52px)/1.28 var(--display);letter-spacing:-.015em;text-decoration:none;color:#0b1730;border-bottom:3px solid transparent}
.places a:hover{border-color:var(--accent)}
.places p{margin:0;color:var(--muted)}

.pi{background:#e6eaf2;text-align:center;padding:30px 24px;font-size:18px}
.pi a{color:#0b1730;text-decoration-color:var(--accent)}

@media (max-width:900px){
  .hero .wrap{padding-top:45px;padding-bottom:172px}
  .media .wrap{grid-template-columns:1fr;gap:36px}.prose{columns:1}
  .intro{padding:64px 0}.media{padding:60px 0}.places{padding:64px 0}
  .ridges{height:225px}
  :root{--fs:19px}
}

/* article pages */
.a-hero{position:relative;overflow:hidden;color:#fff;background:linear-gradient(180deg,#0b1730 0%,#1b2f5c 55%,#6a5473 86%,#c98d55 100%)}
.a-hero .wrap{position:relative;z-index:2;max-width:1100px;padding-top:60px;padding-bottom:130px}
.a-hero .crumb{font-size:17px;margin:0 0 14px}
.a-hero .crumb a{color:#f6dca6;text-decoration:none}
.a-hero h1{font:500 clamp(28px,4.1vw,50px)/1.1 var(--display);letter-spacing:-.02em;margin:0 0 16px}
.a-hero .meta{margin:0;color:#d3d9e6;font-size:17px}
.a-ridges{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:150px;z-index:1}
.article{padding:56px 0 40px}
.article .wrap{max-width:1040px}
.article .body p{margin:0 0 1.25em}
.article .body h3{font:600 clamp(26px,3vw,34px)/1.2 var(--display);color:#0b1730;margin:1.9em 0 .55em;letter-spacing:-.01em}
.article .body ul,.article .body ol{padding-left:1.3em;margin:0 0 1.4em}
.article .body li{margin:0 0 .65em}
.article .body strong{color:#0b1730;font-weight:600}
.article .body a{color:#7d5110}
.tiers{margin:1.8em 0;background:#fff;border-left:4px solid var(--accent);padding:20px 24px}
.tiers p{margin:0 0 .6em}.tiers p:last-child{margin:0}
.callout{margin:1.8em 0;background:#fff;border-left:4px solid #0b1730;padding:20px 24px}
.callout strong:first-child{display:block;margin-bottom:4px}
.byline{border-top:1px solid #d3d9e6;margin-top:48px;padding-top:26px;font-size:18px;color:var(--muted)}
.byline strong{color:#0b1730}
.back{display:inline-block;margin-top:14px;font-weight:600;text-decoration-color:var(--accent)}

/* ---- migrated content ---- */
.article .body h2{font:500 clamp(28px,3.4vw,40px)/1.15 var(--display);color:#0b1730;margin:1.7em 0 .5em;letter-spacing:-.012em}
.article .body h2:first-child{margin-top:0}
.article .body img{margin:0 auto}
.article .body figure{margin:1.6em 0;text-align:center}
.article .body figcaption{font-size:16px;color:var(--muted);margin-top:8px}
.article .body hr{border:0;border-top:1px solid #d3d9e6;margin:2em 0}
.article .body table{width:100%;border-collapse:collapse;margin:0 0 1.4em}
.article .body td,.article .body th{border:1px solid #d3d9e6;padding:8px 10px;text-align:left;vertical-align:top}
.article .body blockquote{margin:1.5em 0;padding:4px 0 4px 20px;border-left:4px solid var(--accent);color:var(--muted)}
.article .body .video{margin:1.6em 0;border-radius:2px}
.article .body .video video{position:absolute;inset:0;width:100%;height:100%;background:#000}
.article .body .map iframe{width:100%;border:0;margin:1.2em 0}
.article .body audio{width:100%}
.article .body .audio{margin:1.4em 0;text-align:left}
.article .body .embed{margin:1.6em 0;overflow-x:auto}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:28px;margin:1.6em 0}
.cols .col>*:first-child{margin-top:0}
.callout-box{margin:1.8em 0;background:#fff;border-left:4px solid var(--accent);padding:12px 24px;text-align:center}
.callout-box h2{font-size:clamp(22px,2.6vw,28px);margin-top:.4em}
.wrap.wide{max-width:900px}
.afilter{display:block;font-weight:600;color:#0b1730;margin-bottom:10px}
.afilter input{display:block;width:100%;margin-top:6px;font:400 19px/1.3 var(--body);padding:12px 14px;border:1px solid #b8c0d0;border-radius:3px;background:#fff}
.year-jump{margin:0 0 8px;font-size:17px}.year-jump a{margin-right:12px;color:#7d5110}
.article h2[id^=y]{font:500 34px/1.1 var(--display);color:#0b1730;margin:1.6em 0 .4em;border-bottom:2px solid var(--accent);padding-bottom:6px}
.alist{list-style:none;margin:0;padding:0}
.alist li{border-bottom:1px solid #d3d9e6}
.alist a{display:block;padding:16px 0;text-decoration:none}
.alist .t{display:block;font:500 clamp(21px,2.3vw,26px)/1.25 var(--display);color:#0b1730}
.alist a:hover .t{color:#7d5110;text-decoration:underline;text-decoration-color:var(--accent)}
.alist .d{display:block;font-size:15px;color:var(--muted);margin:2px 0 4px}
.alist .x{display:block;font-size:17px;color:var(--muted);line-height:1.5}
.contact-form{background:#fff;border:1px solid #d3d9e6;border-left:4px solid var(--accent);padding:24px;margin:1.6em 0}
.contact-form label,.contact-form legend{display:block;font-weight:600;color:#0b1730;margin-bottom:5px}
.contact-form input[type=text],.contact-form input[type=tel],.contact-form input[type=email],.contact-form textarea{width:100%;font:400 19px/1.3 var(--body);padding:11px 12px;border:1px solid #b8c0d0;border-radius:3px;background:#fff}
.contact-form fieldset{border:0;padding:0;margin:0 0 1.1em}
.contact-form .name{display:grid;grid-template-columns:1fr 1fr;gap:12px}.contact-form .name legend{grid-column:1/-1}
.contact-form .choice label{display:inline-block;font-weight:400;margin-right:22px}
.contact-form p{margin:0 0 1.1em}.contact-form .req{font-size:16px;color:var(--muted)}
.contact-form .hp{position:absolute;left:-9999px}
.btn-send{background:var(--accent);color:var(--on-accent);font:600 19px/1 var(--display);border:0;padding:15px 30px;border-radius:2px;cursor:pointer}
@media (max-width:560px){.contact-form .name{grid-template-columns:1fr}}
.btn-wrap{text-align:center}
.btn-link{display:inline-block;background:var(--accent);color:var(--on-accent)!important;font:600 19px/1 var(--display);text-decoration:none;padding:16px 28px;border-radius:2px}
.article .body .embed td,.article .body .embed th{border:0;padding:3px 0}
.article .body .embed table{margin:0}

/* Articles page, grouped by subject */
.jump{margin:0 0 .5em;font-size:18px}.jump a{display:inline-block;margin:0 16px 6px 0;color:#7d5110}
.article h2[id]{font:500 clamp(26px,3vw,34px)/1.15 var(--display);color:#0b1730;margin:1.6em 0 .4em;border-bottom:2px solid var(--accent);padding-bottom:6px}
.subj{list-style:none;margin:0 0 1em;padding:0}.subj li{border-bottom:1px solid #d3d9e6;margin:0}
.subj a{display:block;padding:11px 0;text-decoration:none;color:#0b1730;font-size:21px;line-height:1.3}
.subj a:hover{color:#7d5110;text-decoration:underline;text-decoration-color:var(--accent)}
.subj small{color:var(--muted);font-size:15px;margin-left:8px;white-space:nowrap}
.article .body ul.subj{padding-left:0}.article .body .subj a{color:#0b1730}.article .body .subj a:hover{color:#7d5110}

/* home: header gold mark, badges, FAQ, helpful articles, resource cards */
.mark{color:var(--accent)}
.badges{background:#fff;border-bottom:1px solid #d3d9e6;padding:22px 0}
.badges .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px 28px;flex-wrap:wrap}
.badges img{height:88px;width:auto}
.intro h2{margin:0 0 28px}
.faq{background:#fff;padding:72px 0}
.faq h2,.helpful h2,.resources h2{font:500 clamp(30px,3.6vw,44px)/1.1 var(--display);letter-spacing:-.015em;color:#0b1730;margin:0 0 28px}
.faq-list{max-width:900px}
.faq details{border-bottom:1px solid #d3d9e6}
.faq summary{cursor:pointer;list-style:none;font:500 clamp(20px,2.1vw,24px)/1.3 var(--display);color:#0b1730;padding:18px 36px 18px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-size:28px;color:var(--accent);line-height:1}
.faq details[open] summary:after{content:"\2212"}
.faq details p{margin:0 0 20px;max-width:46em;color:var(--muted)}
.faq details a{color:#7d5110}
.helpful{padding:72px 0 24px}
.helpful ul{list-style:none;margin:0 0 18px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 48px}
.helpful li{border-bottom:1px solid #d3d9e6}
.helpful li a{display:block;padding:15px 0;font:500 clamp(19px,1.9vw,22px)/1.3 var(--display);text-decoration:none;color:#0b1730}
.helpful li a:hover{color:#7d5110;text-decoration:underline;text-decoration-color:var(--accent)}
.helpful .all{margin:0}.helpful .all a{color:#7d5110;font-weight:600}
.resources{padding:56px 0 72px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{display:block;background:#fff;border:1px solid #d3d9e6;border-top:4px solid var(--accent);padding:22px 24px;text-decoration:none;color:var(--ink);transition:box-shadow .15s}
.card:hover{box-shadow:0 10px 26px rgba(11,23,48,.14)}
.card b{display:block;font:600 24px/1.2 var(--display);color:#0b1730;margin-bottom:6px}
.card span{display:block;font-size:17px;line-height:1.5;color:var(--muted)}
.places{padding:56px 0 52px;background:#fff}
.places a{font-size:clamp(22px,2.4vw,30px)}
.places ul{gap:2px 28px}
@media (max-width:900px){.cards{grid-template-columns:1fr 1fr}.helpful ul{grid-template-columns:1fr}.badges .wrap{justify-content:center}.badges img{height:64px}.faq,.helpful{padding-top:52px}}
@media (max-width:560px){.cards{grid-template-columns:1fr}}

/* Serving: navy band with area tiles */
.places{background:#0b1730;color:#fff;padding:68px 0 64px;position:relative;overflow:hidden}
.places:before{content:"";position:absolute;right:-120px;top:-160px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(246,198,103,.32),rgba(246,198,103,0) 68%)}
.places .wrap{position:relative}
.places h2{color:#fff;margin:0 0 30px}
.places ul{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:0 0 26px;padding:0;list-style:none}
.places li:first-child{grid-column:span 2}
.places a{display:flex;justify-content:space-between;align-items:center;font:500 clamp(20px,2vw,25px)/1.2 var(--display);letter-spacing:0;color:#fff;text-decoration:none;border:1px solid rgba(255,255,255,.2);border-left:4px solid var(--accent);padding:20px 22px;background:rgba(255,255,255,.04);transition:background .15s,border-color .15s}
.places a:after{content:"\2192";color:var(--accent);margin-left:12px}
.places a:hover{background:rgba(255,255,255,.1);border-color:var(--accent)}
.places li:first-child a{font-size:clamp(22px,2.3vw,28px)}
.places p{color:#c3cbdb;margin:0}
@media (max-width:900px){.places ul{grid-template-columns:1fr 1fr}.places{padding:48px 0}}
@media (max-width:480px){.places ul{grid-template-columns:1fr}.places li:first-child{grid-column:auto}}

/* ===== sitewide type colors: deep black body copy, blue headings ===== */
:root{--ink:#000;--muted:#1a1a1a;--blue:#17366f}
body{color:#000}
.prose p:first-child,.prose strong,.article .body strong,.article .body li,.article .body p{color:#000}
.article .body h2,.article .body h3,.intro h2,.faq h2,.helpful h2,.resources h2,.card b,.faq summary,.article h2[id],.helpful li a,.subj a{color:var(--blue)}
.article .body .subj a{color:var(--blue)}
.faq details p,.card span{color:#000}

/* ===== areas served pages ===== */
.a-hero .hero-sub{margin:0 0 20px;color:#f6dca6;font-size:20px;font-style:italic}
.a-hero .btn{display:inline-block;background:var(--accent);color:var(--on-accent);font:600 18px/1 var(--display);text-decoration:none;padding:14px 26px;border-radius:2px}
.article.area .wrap{max-width:1040px}
.area .body .lead{font-size:clamp(21px,2.3vw,26px);line-height:1.5;max-width:46em;color:#000;margin:0 0 1.6em;padding-left:22px;border-left:4px solid var(--accent)}
.area .body h2{margin:1.8em 0 .7em;padding-bottom:10px;border-bottom:2px solid var(--accent);font-size:clamp(26px,3vw,36px)}
.cards-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:0 0 1.6em}
.cards-grid.one{grid-template-columns:1fr}
.feat{background:#fff;border:1px solid #d3d9e6;border-top:4px solid var(--accent);padding:20px 24px 14px;box-shadow:0 1px 0 rgba(11,23,48,.04)}
.area .body .feat h3{font:600 clamp(21px,2vw,24px)/1.25 var(--display);color:var(--blue);margin:0 0 8px;letter-spacing:0}
.feat p{margin:0 0 .8em;line-height:1.55}
.feat ul{margin:.2em 0 .6em;padding-left:1.2em}.feat li{margin:0 0 .5em}
.cards-grid.steps{counter-reset:step}
.cards-grid.steps .feat{counter-increment:step;position:relative;padding-left:76px}
.cards-grid.steps .feat:before{content:counter(step);position:absolute;left:20px;top:18px;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font:600 21px/38px var(--display);text-align:center}
.area .embed.mapframe{margin:2.2em 0 0;border:1px solid #d3d9e6;box-shadow:0 14px 30px rgba(11,23,48,.12);overflow:hidden}
.area .embed.mapframe iframe{display:block;width:100%;height:420px}
.area-cta{background:#0b1730;color:#fff;padding:60px 0 54px;margin-top:40px;position:relative;overflow:hidden}
.area-cta:before{content:"";position:absolute;right:-140px;top:-180px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(246,198,103,.3),rgba(246,198,103,0) 68%)}
.area-cta .wrap{position:relative;max-width:1040px}
.area-cta h2{font:500 clamp(28px,3.4vw,42px)/1.15 var(--display);color:#fff;margin:0 0 12px}
.area-cta p{color:#e3e8f2;margin:0 0 20px;font-size:20px}
.area-cta .btn{display:inline-block;background:var(--accent);color:var(--on-accent);font:600 19px/1 var(--display);text-decoration:none;padding:16px 28px;border-radius:2px}
.chips{margin-top:26px;display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.chips b{flex:0 0 100%;font:600 15px/1 var(--display);letter-spacing:.08em;text-transform:uppercase;color:#f6dca6;margin-bottom:2px}
.chips a{color:#fff;text-decoration:none;border:1px solid rgba(255,255,255,.28);padding:9px 15px;border-radius:999px;font-size:17px}
.chips a:hover{border-color:var(--accent);color:var(--accent)}
@media (max-width:760px){.cards-grid{grid-template-columns:1fr}.area .embed.mapframe iframe{height:320px}}
.cards-grid{align-items:stretch}

/* ---- practice pages ---- */
.article.practice .wrap{max-width:1040px}
.article.practice .body>h2{margin-top:2.1em;padding-bottom:.35em;border-bottom:2px solid #e3d5b4;color:var(--blue)}
.article.practice .intro{font-weight:700;margin:1.2em 0 .6em}
.yt{margin:0 0 20px}
.yt a{display:inline-flex;align-items:center;gap:10px;background:#f3f5f9;border:1px solid #cfd7e6;border-radius:40px;padding:9px 20px 9px 14px;color:var(--blue);font-weight:600;text-decoration:none}
.yt a:before{content:"\25B6";display:inline-grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--accent);color:var(--on-accent);font-size:11px}
.diagram{margin:30px 0;background:#f3f5f9;border:1px solid #d9e0ee;border-radius:10px;padding:26px 24px}
.diagram figcaption{text-align:center;font-style:italic;margin-top:16px;color:#1a1a1a}
.diagram figcaption.top{font:600 22px/1.2 var(--display);font-style:normal;color:var(--blue);margin:0 0 18px}
.flow{display:flex;align-items:stretch;justify-content:center;gap:0}
.flow .node{flex:1 1 0;background:#fff;border:1px solid #cfd7e6;border-top:4px solid var(--blue);border-radius:6px;padding:14px 14px 16px;text-align:center}
.flow .node.n2{border-top-color:#c98d55}.flow .node.n3{border-top-color:#2c4272}.flow .node.n4{border-top-color:#6a5473}
.flow .node b{display:block;font:600 19px/1.2 var(--display);color:var(--blue);margin-bottom:6px}
.flow .node span{display:block;font-size:16px;line-height:1.4}
.flow .arr{flex:0 0 34px;align-self:center;position:relative;height:2px;background:#c98d55;margin:0 4px}
.flow .arr:after{content:"";position:absolute;right:-1px;top:-5px;border-left:9px solid #c98d55;border-top:6px solid transparent;border-bottom:6px solid transparent}
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.ccol{background:#fff;border-radius:6px;padding:16px 20px;border-top:4px solid var(--blue)}
.ccol.r{border-top-color:#c98d55}
.ccol h3{margin:0 0 8px;font-size:21px;color:var(--blue)}
.ccol ul{margin:0;padding-left:20px}.ccol li{margin:4px 0}
.roadmap{list-style:none;display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 8px;padding:0}
.roadmap li{display:flex;align-items:center;gap:8px;background:#f3f5f9;border:1px solid #cfd7e6;border-radius:30px;padding:6px 16px 6px 6px;font-size:16px;font-weight:600;color:var(--blue)}
.roadmap li span{display:grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--blue);color:#fff;font-size:14px}
.qa{margin:14px 0}
.qa details{background:#fff;border:1px solid #d9e0ee;border-left:4px solid #c98d55;border-radius:6px;margin:10px 0}
.qa summary{cursor:pointer;padding:14px 18px;font-weight:700;color:var(--blue);list-style:none;position:relative;padding-right:46px}
.qa summary::-webkit-details-marker{display:none}
.qa summary:after{content:"+";position:absolute;right:18px;top:8px;font-size:26px;color:#c98d55}
.qa details[open] summary:after{content:"\2212"}
.qa details[open] summary{border-bottom:1px solid #e6eaf3}
.qa details p{margin:0;padding:14px 18px 16px}
.timeline{margin:22px 0;border-left:3px solid #e3d5b4;padding-left:0}
.tstep{display:grid;grid-template-columns:52px 1fr;gap:14px;position:relative;margin:0 0 22px -3px}
.tstep .n{width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font:600 20px var(--display);margin-left:-22px;box-shadow:0 0 0 5px #fff}
.tstep h3{margin:6px 0 6px;font-size:23px;color:var(--blue)}
.tstep p{margin:0 0 10px}
.pcols{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:18px 0}
.pcol{border-radius:8px;padding:16px 20px;background:#f3f5f9;border-top:4px solid #c98d55}
.pcol.yes{border-top-color:#b4552d}.pcol.no{border-top-color:#2f7a4f}
.pcol .intro{margin-top:0}
.pcol ul{margin:0;padding-left:20px}.pcol li{margin:5px 0}
.tool{background:#fff;border:1px solid #d9e0ee;border-radius:10px;padding:14px;margin:24px 0;box-shadow:0 2px 10px rgba(11,23,48,.07)}
@media(max-width:760px){
 .flow{flex-direction:column}
 .flow .arr{flex:0 0 28px;width:2px;height:28px;margin:0 auto}
 .flow .arr:after{right:-5px;top:auto;bottom:-1px;border-top:9px solid #c98d55;border-left:6px solid transparent;border-right:6px solid transparent;border-bottom:0}
 .cgrid,.pcols{grid-template-columns:1fr}
 .tstep{grid-template-columns:40px 1fr}
}

.pic{margin:26px auto;max-width:760px;text-align:center}
.pic img{width:100%;height:auto;border-radius:10px;border:1px solid #d9e0ee;box-shadow:0 2px 12px rgba(11,23,48,.1)}
.pic figcaption{margin-top:10px;font-style:italic;font-size:17px;color:#1a1a1a}

.funnels .fsub{text-align:center;font-style:italic;margin:-8px 0 20px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.fcol .mouth{background:linear-gradient(180deg,#dfe6f3,#eef2f9);clip-path:polygon(0 0,100% 0,86% 100%,14% 100%);padding:22px 16% 34px;text-align:center;position:relative}
.fcol.benef .mouth{background:linear-gradient(180deg,#e9e0f0,#f3eef7)}
.fcol .mouth .drop{display:block;margin:0 auto 6px;width:3px;height:18px;background:var(--blue);position:relative}
.fcol .mouth .drop:after{content:"";position:absolute;left:-6px;bottom:-6px;border-top:9px solid var(--blue);border-left:7.5px solid transparent;border-right:7.5px solid transparent}
.fcol .mouth b{display:block;font:600 19px/1.2 var(--display);color:var(--blue);margin:8px 0 6px}
.fcol .mouth ul{list-style:none;margin:0;padding:0;font-size:16px;line-height:1.35}
.fcol .mouth li{margin:3px 0}
.fcol .neck{background:#fff;border:1px solid #cfd7e6;border-radius:6px;margin:-14px 12% 0;position:relative;padding:10px 14px;font-size:15.5px;line-height:1.4}
.fcol .neck p{margin:0}
.fcol .out{margin:12px 6% 0;background:#fff;border:3px solid var(--blue);border-radius:6px;padding:14px;text-align:center}
.fcol.benef .out{border-color:#6a5473}
.fcol .out h3{margin:0 0 4px;font-size:25px;color:var(--blue);text-transform:uppercase;letter-spacing:.02em}
.fcol.benef .out h3{color:#6a5473}
.fcol .out p{margin:0;font-size:16px}
.frules{margin:22px 0 0;padding-left:22px;font-size:17px;line-height:1.5}
.frules li{margin:8px 0}
@media(max-width:760px){.fgrid{grid-template-columns:1fr}.fcol .mouth{padding:20px 14% 30px}}
.frules{text-align:left}
.fcol{display:flex;flex-direction:column}
.fcol .out{margin-top:auto;position:relative;top:0}
.fcol .neck{margin-bottom:12px}
.pic.wide{max-width:960px}

/* ---- articles ---- */
.a-hero .chips{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-top:6px}
.a-hero .chip{display:inline-block;background:rgba(246,220,166,.16);border:1px solid rgba(246,220,166,.5);color:#f6dca6;border-radius:30px;padding:4px 14px;font-size:15px;text-decoration:none}
.a-hero .chip.plain{background:transparent;border-color:rgba(255,255,255,.3);color:#d3d9e6}
.a-hero .by{color:#d3d9e6;font-size:16px;margin-left:6px}
.article.post .wrap{max-width:1040px}
.article.post .body p{font-size:20px;line-height:1.75}
.article.post .lead{font-size:23px;line-height:1.6;border-left:4px solid #e3a93b;padding-left:20px;margin-bottom:1.4em}
.article.post .body>h2{color:var(--blue);padding-bottom:.3em;border-bottom:2px solid #e3d5b4}
.tlabel{display:inline-block;margin:0 0 14px!important;font:700 14px/1 var(--display)!important;letter-spacing:.12em;text-transform:uppercase;color:#7d5110;background:#fbf3df;border-radius:4px;padding:7px 12px}
.article.post .tlabel+p{font-size:20px}
blockquote.pull{margin:34px -20px;padding:22px 28px;border:0;border-left:6px solid #e3a93b;background:#f3f5f9;border-radius:0 10px 10px 0;font:500 clamp(23px,2.6vw,30px)/1.3 var(--display);color:var(--blue)}
.article .diagram,.article .pic{max-width:none}
.article.post .diagram .flow .node span{font-size:16px;line-height:1.4}
.related{background:#eef1f7;padding:48px 0 54px}
.related h2{font:500 32px var(--display);color:var(--blue);margin:0 0 20px}
.relgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.rel{display:block;background:#fff;border:1px solid #d9e0ee;border-top:4px solid #e3a93b;border-radius:8px;padding:18px 20px;text-decoration:none;color:#000}
.rel:hover{box-shadow:0 6px 18px rgba(11,23,48,.12)}
.rel b{display:block;font:600 20px/1.25 var(--display);color:var(--blue);margin-bottom:8px}
.rel span{font-size:16px;line-height:1.45;color:#1a1a1a}
/* hub */
.searchrow{margin:20px 0 0}
.searchrow input{width:100%;max-width:640px;font:400 18px var(--body,inherit);padding:14px 18px;border-radius:40px;border:0;box-shadow:0 2px 10px rgba(0,0,0,.25)}
.article.hub .wrap{max-width:1180px}
.hub h2{font:500 clamp(28px,3vw,36px) var(--display);color:var(--blue);border:0;margin:0 0 16px}
.starthere{margin-bottom:46px}
.agrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.acard{display:flex;flex-direction:column;background:#fff;border:1px solid #d9e0ee;border-radius:10px;padding:20px 22px;text-decoration:none;color:#000;transition:box-shadow .15s,transform .15s}
.acard:hover{box-shadow:0 8px 22px rgba(11,23,48,.13);transform:translateY(-2px)}
.acard b{font:600 21px/1.25 var(--display);color:var(--blue);margin-bottom:8px}
.acard span{font-size:16.5px;line-height:1.5;color:#1a1a1a;flex:1}
.acard i{font-style:normal;font-weight:700;font-size:15px;color:#7d5110;margin-top:12px}
.acard i:after{content:" \2192"}
.acard.feat2{border-top:5px solid #e3a93b;background:linear-gradient(180deg,#fffaf0,#fff)}
.tilesh{margin-top:10px!important}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:50px}
.tile{display:flex;flex-direction:column;background:var(--blue);border-radius:10px;padding:18px 18px 16px;text-decoration:none;color:#fff;min-height:150px}
.tile:nth-child(3n+2){background:#2c4272}.tile:nth-child(3n){background:#182c56}
.tile b{font:600 20px/1.2 var(--display);color:#f6dca6;margin-bottom:8px}
.tile span{font-size:15.5px;line-height:1.4;color:#e8ecf5;flex:1}
.tile i{font-style:normal;font-size:14px;margin-top:10px;color:#f6dca6}
.tile:hover{filter:brightness(1.15)}
.subjsec{margin:0 0 50px;scroll-margin-top:90px}
.subjsec h2{border-bottom:2px solid #e3d5b4;padding-bottom:8px;margin-bottom:6px}
.subjsec h2 small{font:600 16px var(--body,inherit);color:#7d5110;margin-left:8px}
.subjsec .sb{margin:0 0 18px;color:#1a1a1a;font-style:italic}
.more{margin-top:16px}.more summary{cursor:pointer;font-weight:700;color:var(--blue);padding:10px 0}
.more .agrid{margin-top:12px}
#nores{font-size:20px;text-align:center;padding:40px 0}
@media(max-width:900px){.agrid,.relgrid{grid-template-columns:1fr 1fr}.tiles{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.agrid,.relgrid,.tiles{grid-template-columns:1fr}blockquote.pull{margin:28px 0}}
.ccol,.ccol ul{text-align:left}
.article .body .ccol h3{font-size:22px;margin:0 0 8px;color:var(--blue)}
.article.post .feat{padding:20px 22px}
.article.post .feat h3{margin:0 0 8px;font-size:23px;line-height:1.2}
.article.post .feat p{font-size:18px;line-height:1.55;margin:0 0 .5em}
.article.post .cards-grid{align-items:stretch}
@media(min-width:1181px){.nav>ul>li>a,.nav>ul>li>button{white-space:nowrap;padding:12px 10px}.hdr .wrap{gap:12px}}

.mark{display:inline-flex;align-items:center;gap:12px}.mark img{width:44px;height:44px;flex:none}
@media(max-width:600px){.mark img{width:36px;height:36px}.mark{gap:9px}}

/* hero photos: navy gradient on the left, photo shows through on the right */
.hero.photo::before,.a-hero.photo::before{content:"";position:absolute;top:0;bottom:0;right:var(--pr,0);width:var(--pw,70%);z-index:0;
  background:var(--hp) var(--pos,50% 30%)/cover no-repeat;transform:var(--flip,none)}
.hero.photo::after,.a-hero.photo::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
  background:linear-gradient(90deg,#0b1730 0%,#0b1730 30%,rgba(11,23,48,.85) 42%,rgba(16,32,66,.42) 56%,rgba(22,40,80,.06) 72%,rgba(22,40,80,0) 100%),
             linear-gradient(180deg,rgba(11,23,48,.35) 0%,rgba(11,23,48,0) 35%)}
@media(max-width:760px){
  .hero.photo::before,.a-hero.photo::before{width:100%;opacity:.55}
  .hero.photo::after,.a-hero.photo::after{background:linear-gradient(90deg,rgba(11,23,48,.92) 0%,rgba(11,23,48,.6) 60%,rgba(11,23,48,.25) 100%)}
}
.hero.photo .ridges circle{display:none}
.hero.photo .ridges{height:56px}
.a-hero.photo .a-ridges{height:24px}
.a-hero.photo .wrap{padding-bottom:62px}
.hero.photo .wrap{padding-bottom:84px}
@media(min-width:761px){.a-hero.photo h1{max-width:680px}}
.hero.photo::before,.a-hero.photo::before{-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 22%);mask-image:linear-gradient(90deg,transparent 0,#000 22%)}
/* About page headshot */
.bio{display:grid;grid-template-columns:280px 1fr;gap:36px;align-items:start;margin:1.2em 0}
.bio-text p{margin-top:0}
.headshot{margin:0!important;padding:8px;background:#fff;border:3px solid var(--accent);border-radius:6px;box-shadow:0 0 0 6px #14264d,0 10px 28px rgba(11,23,48,.28)}
.headshot img{display:block;width:100%;height:auto;border-radius:2px}
@media(max-width:700px){.bio{grid-template-columns:1fr;gap:26px}.headshot{max-width:260px;margin:6px auto 0!important}}
.badges.in-article{margin:1.8em 0;border:1px solid #d3d9e6;border-radius:6px}
.badges.in-article .wrap{max-width:none;padding:0 24px}
@media(min-width:761px){.a-hero.photo{min-height:400px;display:flex;align-items:center}.a-hero.photo .wrap{width:100%;padding-top:50px;padding-bottom:70px}}
@media(max-width:760px){.a-hero.photo{min-height:300px;display:flex;align-items:center}.a-hero.photo .wrap{width:100%}}
/* wide screens: lighter navy at the far left edge, dark only behind the text column */
@media(min-width:761px){
  .hero.photo,.a-hero.photo{background:linear-gradient(90deg,#2f4d8f 0,#203a70 45%,#1a2f5e 100%)}
  .hero.photo::after,.a-hero.photo::after{
    background:linear-gradient(90deg,rgba(11,23,48,0) 0,rgba(11,23,48,.35) max(3%,calc((50% - 520px) * .45)),rgba(11,23,48,.8) max(5%,calc((50% - 520px) * .75)),#0b1730 max(7%,calc(50% - 520px)),#0b1730 30%,rgba(11,23,48,.85) 42%,rgba(16,32,66,.42) 56%,rgba(22,40,80,.06) 72%,rgba(22,40,80,0) 100%),
               linear-gradient(180deg,rgba(11,23,48,.35) 0%,rgba(11,23,48,0) 35%)}
}

.hero .btn.btn-alt{background:transparent;color:var(--accent);box-shadow:inset 0 0 0 2px var(--accent);margin-left:10px}
.hero .btn.btn-alt:hover{background:var(--accent);color:var(--on-accent)}
@media(max-width:560px){.hero .btn.btn-alt{margin-left:0;margin-top:10px}.call-text{margin-left:6px}}

.yt-lite{position:relative;aspect-ratio:16/9;max-width:900px;margin:0 auto 14px;background:linear-gradient(135deg,#1a2f5e,#0b1730);border-radius:4px;overflow:hidden}
.yt-lite .yt-play{all:unset;box-sizing:border-box;cursor:pointer;position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;color:#fff;font:600 20px/1.2 var(--display)}
.yt-lite .yt-play:hover svg path:first-child{fill:#f0bc52}
.yt-lite .yt-play:focus-visible{outline:3px solid #e3a93a;outline-offset:-6px}
.yt-lite iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.yt-note{max-width:900px;margin:0 auto 1.5em;font-size:.9em;color:#595959}

.vgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:30px 26px;margin:0 0 1.5em}
.vgrid .yt-lite{margin:0;max-width:none}
.vgrid .yt-play{font-size:17px}
.vgrid .yt-play svg{width:56px;height:40px}
.vtitle{margin:30px 0 0;text-align:center;font:600 18px/1.3 var(--display);color:var(--h,#1a2f5e)}

.pay-tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:0 0 2em}
.pay-tiles a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;min-height:140px;padding:18px 12px;text-align:center;text-decoration:none;color:#1a2f5e;background:#fff;border:2px solid #d5dbe8;border-radius:4px;font:600 19px/1.25 var(--display)}
.pay-tiles a:hover{border-color:#e3a93a;background:#fff9ec}
.pay-tiles a:focus-visible{outline:3px solid #e3a93a;outline-offset:2px}
.pay-tiles svg{color:#1a2f5e}
.callout-box[id^="pay-"]{scroll-margin-top:90px}
@media(max-width:700px){.pay-tiles{grid-template-columns:repeat(2,1fr);gap:12px}.pay-tiles a{min-height:120px;font-size:17px}}
.yt-lite .yt-play img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.yt-lite .yt-play::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,23,48,.05),rgba(11,23,48,.35))}
.yt-lite .yt-play svg,.yt-lite .yt-play span{position:relative}
.yt-lite .yt-play:has(img) span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.vgrid{grid-template-columns:repeat(3,1fr)}
@media(max-width:900px){.vgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.vgrid{grid-template-columns:1fr}}
.article .pay-tiles a,.article .pay-tiles a:visited{color:#1a2f5e;text-decoration:none}
@media(min-width:761px){.cards-grid{grid-auto-rows:1fr}}
@media(min-width:761px){.cards-grid.wide-last>.feat:last-child:nth-child(odd){grid-column:1/-1}}
.btn-link.btn-block{display:block;text-align:center}.btn-link:hover{background:#f0bc52}.btn-link:focus-visible{outline:3px solid #0b1730;outline-offset:2px}
.yt-note{text-align:center}