:root{--bg:#08090b;--panel:#101218;--panel2:#151922;--gold:#c7a45a;--gold2:#ead39a;--text:#f5f1e8;--muted:#b9b3a7;--line:rgba(199,164,90,.22);--soft:rgba(255,255,255,.065);--green:#9bbf9b}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:radial-gradient(circle at 25% 0%,#1d1a14 0,#08090b 35%,#050506 100%);color:var(--text);font:16px/1.6 Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif}a{color:inherit;text-decoration:none}.container{width:min(1160px,92vw);margin:auto}.nav{position:sticky;top:0;z-index:30;background:rgba(8,9,11,.84);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.nav-inner{display:flex;align-items:center;justify-content:center;gap:16px 22px;flex-wrap:wrap;padding:16px 0 14px}.brand{display:flex;align-items:center;justify-content:center;gap:14px;width:100%;font-weight:800;font-size:clamp(22px,3.2vw,46px);line-height:1;letter-spacing:.28em;text-transform:uppercase;text-align:center}.brand span{display:inline-block}.brand img{width:52px;height:52px}.mark{width:44px;height:44px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--gold2);font-family:Georgia,serif;font-size:25px}.nav-links{display:flex;gap:20px;align-items:center;justify-content:center;color:var(--muted);font-size:13px;letter-spacing:.12em;text-transform:uppercase}.nav-ctas{display:flex;gap:10px;align-items:center;justify-content:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1px solid var(--gold);padding:13px 18px;border-radius:999px;color:var(--gold2);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase;transition:.2s}.btn:hover{transform:translateY(-1px);background:rgba(199,164,90,.1)}.btn.primary{background:linear-gradient(135deg,var(--gold),#9f7d35);color:#0a0906;border-color:transparent}.btn.ghost{border-color:rgba(255,255,255,.18);color:var(--text)}.hero{padding:105px 0 72px;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:40px auto auto 50%;width:520px;height:520px;transform:translateX(-50%);border:1px solid rgba(199,164,90,.13);border-radius:50%;opacity:.6}.eyebrow{color:var(--gold2);letter-spacing:.18em;text-transform:uppercase;font-size:13px;font-weight:800}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center;position:relative}.hero h1,.page-hero h1{font-family:Georgia, 'Times New Roman', serif;font-size:clamp(48px,7vw,92px);line-height:.96;margin:18px 0 22px;font-weight:500}.lead{font-size:clamp(18px,2vw,23px);color:#ded8ce;max-width:760px}.hero-card{background:linear-gradient(180deg,rgba(255,255,255,.08),rgba(255,255,255,.03));border:1px solid var(--line);border-radius:28px;padding:28px;box-shadow:0 25px 80px rgba(0,0,0,.35)}.proof-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:20px}.proof{border:1px solid var(--line);border-radius:18px;padding:16px;background:rgba(255,255,255,.035)}.proof strong{display:block;color:var(--gold2);font-size:22px}.section{padding:74px 0;border-top:1px solid rgba(255,255,255,.06)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:28px}.section h2{font-family:Georgia,serif;font-size:clamp(34px,4vw,56px);line-height:1.05;margin:8px 0 0;font-weight:500}.muted{color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:linear-gradient(180deg,var(--panel2),var(--panel));border:1px solid var(--line);border-radius:24px;padding:24px;min-height:220px;position:relative;overflow:hidden}.card:after{content:"";position:absolute;right:-35px;bottom:-35px;width:120px;height:120px;border:1px solid rgba(199,164,90,.16);border-radius:50%}.card h3{font-family:Georgia,serif;font-size:26px;margin:0 0 12px}.card p{color:var(--muted);margin:0 0 16px}.card a{color:var(--gold2);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase}.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:38px;align-items:start}.panel{background:rgba(255,255,255,.045);border:1px solid var(--line);border-radius:28px;padding:28px}.list{display:grid;gap:14px}.list div{padding:15px;border-left:2px solid var(--gold);background:rgba(255,255,255,.035);border-radius:0 14px 14px 0}.area-tags{display:flex;flex-wrap:wrap;gap:10px}.tag{border:1px solid rgba(199,164,90,.28);background:rgba(199,164,90,.08);color:var(--gold2);border-radius:999px;padding:8px 12px;font-size:13px}.form{display:grid;gap:12px}.form input,.form select,.form textarea{width:100%;border:1px solid rgba(199,164,90,.35);background:#fff;color:#111318;border-radius:14px;padding:14px 15px;font:inherit;box-shadow:inset 0 1px 0 rgba(0,0,0,.05)}.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--gold);outline-offset:2px}.form label span{display:block;margin:0 0 7px;color:var(--gold2);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:11px}.form textarea{min-height:128px}.checks{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;color:var(--muted);font-size:14px}.checks label{display:flex;gap:8px;align-items:center;padding:8px 10px;border:1px solid rgba(255,255,255,.09);border-radius:12px;background:rgba(255,255,255,.025)}.checks input{width:auto;margin:0;accent-color:var(--gold)}.page-hero{padding:78px 0 44px}.breadcrumbs{color:var(--muted);font-size:13px;margin-bottom:20px}.content-grid{display:grid;grid-template-columns:1fr 340px;gap:34px}.article{display:grid;gap:20px}.article-block{background:rgba(255,255,255,.035);border:1px solid var(--line);border-radius:24px;padding:26px}.article-block h2,.article-block h3{font-family:Georgia,serif;margin-top:0}.sticky{position:sticky;top:96px}.faq details{border-top:1px solid rgba(255,255,255,.1);padding:16px 0}.faq summary{cursor:pointer;color:var(--gold2);font-weight:700}.footer{padding:52px 0;background:#050506;border-top:1px solid var(--line);color:var(--muted)}.footer-grid{display:grid;grid-template-columns:1.2fr repeat(3,1fr);gap:26px}.mobile-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:40;background:#090a0d;border-top:1px solid var(--line);padding:10px;gap:8px}.mobile-bar a{flex:1;padding:12px 8px;text-align:center;border-radius:999px;background:rgba(199,164,90,.14);color:var(--gold2);font-size:12px;font-weight:800;text-transform:uppercase}@media(max-width:900px){.hero-grid,.split,.content-grid,.footer-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr}.nav-links{display:none}.nav-inner{align-items:flex-start}.nav-ctas .ghost{display:none}.hero{padding-top:70px}.mobile-bar{display:flex}body{padding-bottom:64px}.checks{grid-template-columns:1fr}.section-head{display:block}}

/* Secure intake enhancements */
.form label{display:block;color:var(--muted);font-size:13px;letter-spacing:.04em}.form label span{display:block;margin:8px 0 4px;color:var(--gold2);font-weight:700;text-transform:uppercase;font-size:11px}.field-note{border:1px solid var(--line);background:rgba(255,255,255,.045);border-radius:14px;padding:10px 12px;margin:8px 0 12px;color:var(--muted);font-size:13px}.secure-form textarea,.secure-form input,.secure-form select{margin-bottom:8px}.secure-form .checks label{letter-spacing:0;text-transform:none;font-size:13px;color:var(--text)}

.hp-field{position:absolute!important;left:-10000px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important}.form-status{border:1px solid var(--line);border-radius:14px;padding:10px 12px;margin-top:12px}.form-status.ok{border-color:rgba(155,191,155,.45);color:#cfe8cf}.form-status.err{border-color:rgba(255,120,120,.45);color:#ffd1d1}

.intake-extra{margin:8px 0 4px;padding:16px;border:1px solid rgba(201,162,76,.35);border-radius:18px;background:rgba(255,255,255,.04)}
.intake-extra legend{padding:0 8px;color:var(--gold);font-weight:800;font-size:.92rem}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
@media (max-width:720px){.form-grid{grid-template-columns:1fr}}

.updated-note{font-size:.9rem;font-weight:800;color:var(--gold);letter-spacing:.03em;text-transform:uppercase;margin:0 0 10px}
.content-block{margin:24px 0;padding-top:8px;border-top:1px solid rgba(255,255,255,.10)}
.content-block h2{font-size:clamp(1.35rem,2vw,2rem);margin-bottom:8px}
.source-links{margin-top:22px;padding:14px 16px;border:1px solid rgba(201,162,76,.28);border-radius:16px;background:rgba(255,255,255,.035);color:var(--muted)}
.source-links a{display:inline-block;margin-left:10px}
.faq-list div{align-items:flex-start}

.trust-strip{display:grid;gap:8px;margin:0 0 18px;padding:14px 16px;border:1px solid rgba(201,162,76,.32);border-radius:16px;background:rgba(201,162,76,.08);color:var(--muted);font-size:.92rem}
.trust-strip strong{color:var(--text);font-size:1rem}
.trust-strip a{font-weight:800}

.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px;align-items:start}
.article-body{min-width:0}
.article-body ul{color:var(--muted);line-height:1.75}
.article-sidebar{position:sticky;top:92px;display:grid;gap:18px}
.article-sidebar .btn{margin-top:12px;width:100%;justify-content:center}
@media (max-width:900px){.article-layout{grid-template-columns:1fr}.article-sidebar{position:static}}

.coverage-scope{border:1px solid rgba(212,175,55,.22);border-radius:16px;padding:14px;background:rgba(255,255,255,.03);display:grid;gap:10px}
.coverage-scope[hidden]{display:none}
.coverage-scope>span{font-weight:700;color:var(--gold)}
.source-links a+a:before{content:" · ";color:var(--muted)}


/* SMB / fast-quote light theme */
body.theme-light{--bg:#fbf7ef;--panel:#ffffff;--panel2:#f5eee2;--text:#08090b;--muted:#3d4350;--line:rgba(60,42,12,.18);--soft:rgba(8,9,11,.055);--gold:#c7a45a;--gold2:#75530f;background:linear-gradient(180deg,#fffdf8 0%,#f8f0e2 100%);color:var(--text)}
body.theme-light .nav{background:rgba(255,252,246,.92);border-bottom:1px solid rgba(60,42,12,.16);box-shadow:0 10px 28px rgba(31,22,8,.06)}
body.theme-light .nav-links{color:#2f3540}body.theme-light .brand{color:#08090b}body.theme-light .mark{color:#75530f;border-color:#b88c30}
body.theme-light .hero,body.theme-light .page-hero{background:linear-gradient(180deg,#fffdf8 0%,#f7eddf 100%)}
body.theme-light .hero:before{border-color:rgba(199,164,90,.26)}
body.theme-light .lead{color:#2f3540}.theme-light .eyebrow{color:#6f4d08}.theme-light .updated-note{color:#6f4d08}.theme-light .muted{color:var(--muted)}
body.theme-light .hero-card,body.theme-light .panel{background:#fff;border-color:rgba(60,42,12,.18);box-shadow:0 20px 60px rgba(62,44,12,.10)}
body.theme-light .card{background:linear-gradient(180deg,#ffffff,#f7efe3);border-color:rgba(60,42,12,.16);box-shadow:0 16px 38px rgba(62,44,12,.08)}
body.theme-light .card p,body.theme-light .article p,body.theme-light .article-body ul{color:#303744}body.theme-light .card a{color:#5f4108;font-weight:800}
body.theme-light .proof,body.theme-light .list div{background:rgba(199,164,90,.10);border-color:rgba(119,83,15,.30)}
body.theme-light .tag{background:rgba(199,164,90,.12);border-color:rgba(119,83,15,.30);color:#5f4108}
body.theme-light .source-links,body.theme-light .trust-strip,body.theme-light .field-note,body.theme-light .coverage-scope,body.theme-light .intake-extra{background:#fffaf1;border-color:rgba(119,83,15,.28);color:#303744}
body.theme-light .trust-strip strong{color:#08090b}.theme-light .source-links a,.theme-light .trust-strip a{color:#5f4108;text-decoration:underline;text-underline-offset:3px}
body.theme-light .content-block{border-top-color:rgba(60,42,12,.14)}body.theme-light .coverage-scope>span,body.theme-light .intake-extra legend{color:#5f4108}
body.theme-light .form label{color:#303744}body.theme-light .form label span{color:#5f4108}body.theme-light .secure-form .checks label{color:#111827}
body.theme-light .form input,body.theme-light .form select,body.theme-light .form textarea{background:#ffffff;color:#08090b;border-color:rgba(60,42,12,.28);box-shadow:inset 0 1px 0 rgba(8,9,11,.03)}
body.theme-light .form input:focus,body.theme-light .form select:focus,body.theme-light .form textarea:focus{outline:3px solid rgba(199,164,90,.32);border-color:#8b6416}
body.theme-light .btn{border-color:#7a560f;color:#5a3d05;background:#fffaf1}body.theme-light .btn:hover{background:#f4ead8}
body.theme-light .btn.primary{background:#08090b;color:#ffffff;border-color:#08090b;box-shadow:0 14px 30px rgba(8,9,11,.20)}body.theme-light .btn.ghost{border-color:#5f6774;color:#08090b;background:#ffffff}
body.theme-light .footer{background:#f2e7d7;color:#303744;border-top-color:rgba(60,42,12,.16)}body.theme-light .footer a{color:#111827;text-decoration:underline;text-underline-offset:3px}
body.theme-light .mobile-bar{background:#fffaf1;border-top-color:rgba(60,42,12,.22);box-shadow:0 -10px 24px rgba(31,22,8,.12)}body.theme-light .mobile-bar a{background:#08090b;color:#ffffff}
/* Dark-theme contrast hardening for small gold/bottom-bar text */
body:not(.theme-light) .mobile-bar a{color:#fff3c7;background:rgba(199,164,90,.22)}
body:not(.theme-light) .updated-note,body:not(.theme-light) .intake-extra legend,body:not(.theme-light) .coverage-scope>span{color:#ead39a}

/* Light-theme small-text accessibility refinements */
body.theme-light .eyebrow{font-size:13.5px;font-weight:900;color:#5f4108}
body.theme-light .form label span{font-size:12px;letter-spacing:.075em;color:#4f3605}
body.theme-light .form input::placeholder,body.theme-light .form textarea::placeholder{color:#5f6774;opacity:1}
body.theme-light .checks label,body.theme-light .secure-form .checks label{color:#111827;font-size:14px}
body.theme-light .nav-links{font-weight:800;color:#1f2933}