:root{
    --dark:#1c50dd;--dark-2:#1642bd;--ink:#141a3a;
    --grey:#f6f6f6;--grey-2:#eceef1;--white:#fff;--muted:#666a72;--stroke:#e8e8e8;
    --cyan:#3fd0ff;--on-dark:#e4ebff;--maxw:1320px;
    --ease:cubic-bezier(.22,.61,.36,1);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased;line-height:1.55;overflow-x:hidden}
  h1,h2,h3,h4{font-family:'Inter',sans-serif;color:var(--ink);text-transform:uppercase;font-weight:700;letter-spacing:-.05em;line-height:1.02}
  h1{font-size:clamp(34px,4.6vw,56px)}h2{font-size:clamp(24px,3vw,34px)}h3{font-size:clamp(19px,2.2vw,24px)}h4{font-size:19px;letter-spacing:-.03em}
  img{max-width:100%;display:block}a{color:inherit;text-decoration:none}p{font-size:16px}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
  section.band{padding:90px 0}
  .band.grey{background:var(--grey)}
  .band.dark{background:var(--dark);color:var(--on-dark)}
  .band.dark h2,.band.dark h3,.band.dark h4{color:#fff}
  .sh{max-width:640px;margin-bottom:44px}
  .sh.center{margin-left:auto;margin-right:auto;text-align:center}
  .sh p{margin-top:16px;font-size:19px;color:var(--muted)}

  .btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:500;font-size:15px;padding:14px 30px;border-radius:100px;cursor:pointer;border:1.5px solid transparent;transition:transform .25s var(--ease),background .25s,color .25s,border-color .25s;white-space:nowrap}
  .btn svg{transition:transform .25s var(--ease)}.btn:hover svg{transform:translateX(3px)}
  .btn:active{transform:scale(.97);transition-duration:.12s}
  .btn-gold{background:#fff;color:var(--dark);box-shadow:0 8px 24px rgba(0,0,0,.14)}.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(0,0,0,.18)}
  .btn-dark{background:var(--dark);color:#fff}.btn-dark:hover{background:var(--dark-2);transform:translateY(-2px)}
  .btn-on-dark{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.34);color:#fff}.btn-on-dark:hover{background:rgba(255,255,255,.2)}
  .btn-on-light{background:#fff;color:var(--dark);border-color:var(--stroke)}.btn-on-light:hover{border-color:var(--dark);transform:translateY(-2px)}

  .reveal{opacity:0;transform:translateY(40px);filter:blur(5px);transition:opacity .8s var(--ease),transform .8s var(--ease),filter .8s var(--ease)}
  .reveal.in{opacity:1;transform:none;filter:blur(0)}
  .d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}

  /* NAV */
  header.nav{position:fixed;top:0;left:0;right:0;z-index:60;background:rgba(255,255,255,.92);backdrop-filter:blur(16px);border-bottom:1px solid var(--stroke);transition:box-shadow .3s}
  header.nav.scrolled{box-shadow:0 6px 24px rgba(20,26,58,.06)}
  .nav-in{display:flex;align-items:center;gap:28px;height:74px}
  .nav-logo img{height:32px}
  .nav-links{display:flex;gap:26px;flex:1;justify-content:center}
  .nav-links a{font-weight:500;font-size:14.5px;color:var(--ink);transition:color .2s}
  .nav-links a:hover,.nav-links a.active{color:var(--dark)}
  .nav-right{display:flex;align-items:center;gap:16px;flex-shrink:0}
  .nav-phone{font-weight:600;font-size:14.5px;color:var(--ink)}.nav-phone:hover{color:var(--dark)}
  .nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
  .nav-toggle span{width:24px;height:2px;background:var(--ink);border-radius:2px}
  .mobile-menu{display:none}

  /* HERO BAND (dimensional blue arrival) */
  .ahero{position:relative;background:linear-gradient(120deg,#12308f 0%,var(--dark) 50%,#2a5cf0 100%);color:#fff;padding:128px 0 150px;overflow:hidden}
  .ahero::after{content:"";position:absolute;right:-8%;top:-30%;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(63,208,255,.22),rgba(63,208,255,0) 70%);pointer-events:none}
  .ahero-in{max-width:820px;position:relative;z-index:2}
  .crumbs{font-size:13.5px;font-weight:500;color:rgba(255,255,255,.72);margin-bottom:24px}
  .crumbs a{color:rgba(255,255,255,.72)}.crumbs a:hover{color:#fff}
  .crumbs span{color:var(--cyan);font-weight:600}
  .ahero h1{color:#fff}
  .a-meta{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin-top:26px;font-size:14px;color:rgba(255,255,255,.8)}
  .a-meta .m-cat{color:var(--cyan);font-weight:600;text-transform:uppercase;letter-spacing:.05em}
  .a-meta .dot{width:4px;height:4px;border-radius:50%;background:rgba(255,255,255,.4)}
  .a-meta .a-author{display:flex;align-items:center;gap:10px;font-weight:500;color:#fff}
  .a-meta .a-author img{width:32px;height:32px;border-radius:50%;object-fit:cover;border:1.5px solid rgba(255,255,255,.5)}

  /* FEATURE IMAGE overlapping the band */
  .a-hero-img{position:relative;z-index:5;margin-top:-104px}
  .a-hero-img .fig{max-width:1080px;margin:0 auto;padding:0 20px}
  .a-hero-img img{width:100%;aspect-ratio:16/7;object-fit:cover;border-radius:26px;box-shadow:0 30px 70px rgba(12,26,82,.24)}

  /* ARTICLE LAYOUT: sticky rail + prose */
  .article{padding:56px 0 20px}
  .article-grid{max-width:1240px;margin:0 auto;padding:0 20px;display:grid;grid-template-columns:248px 1fr;gap:60px;align-items:start}
  .rail{position:sticky;top:104px}
  .rail .r-lbl{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
  .toc{list-style:none;display:flex;flex-direction:column;gap:3px;margin-bottom:26px}
  .toc a{display:flex;align-items:center;gap:13px;padding:9px 12px;border-radius:12px;font-size:14px;color:var(--muted);line-height:1.35;transition:background .2s,color .2s}
  .toc a .t-n{flex-shrink:0;width:26px;height:26px;border-radius:8px;background:var(--grey-2);color:var(--muted);font-size:12px;font-weight:700;display:flex;align-items:center;justify-content:center;transition:background .2s,color .2s}
  .toc a:hover{background:var(--grey);color:var(--ink)}
  .toc a.active{background:var(--grey);color:var(--ink);font-weight:600}
  .toc a.active .t-n{background:var(--dark);color:#fff}
  .rail-card{background:var(--dark);border-radius:18px;padding:24px}
  .rail-card .rc-title{font-family:'Inter',sans-serif;font-weight:700;line-height:1.02;font-size:15px;letter-spacing:-.01em;margin-bottom:8px;color:#fff}
  .rail-card p{font-size:13px;color:rgba(255,255,255,.82);line-height:1.5;margin-bottom:16px}
  .rail-card .btn{width:100%;font-size:14px;padding:12px 18px}
  .share{display:flex;gap:8px;margin-top:22px}
  .share a{width:38px;height:38px;border-radius:50%;border:1px solid var(--stroke);display:flex;align-items:center;justify-content:center;color:var(--muted);transition:border-color .2s,color .2s,transform .12s var(--ease)}
  .share a:hover{border-color:var(--dark);color:var(--dark)}
  .share a:active{transform:scale(.94)}
  .share svg{width:16px;height:16px}

  /* PROSE: text stays readable, design blocks break wider */
  .prose{max-width:none}
  .prose>p,.prose>ul,.prose>ol,.prose>h2,.prose>h3,.disc{max-width:730px}
  .prose>p{font-size:18px;line-height:1.78;color:#2c3350;margin-bottom:24px}
  .prose>p.lede{font-size:20px;line-height:1.62;color:var(--ink);font-weight:500;margin-bottom:34px}
  .prose>p.lede::first-letter{float:left;font-family:'Inter',sans-serif;font-weight:700;font-size:70px;line-height:.78;color:var(--dark);margin:8px 14px 0 0;letter-spacing:-.04em}
  .prose>h2{margin:54px 0 18px;scroll-margin-top:100px}
  .prose>h3{margin:36px 0 14px}
  .prose>ul,.prose>ol{margin:0 0 24px;padding-left:22px}
  .prose>ul li,.prose>ol li{font-size:18px;line-height:1.7;color:#2c3350;margin-bottom:12px}
  .prose>ul li::marker,.prose>ol li::marker{color:var(--dark)}
  .prose a.inline{color:var(--dark);font-weight:600;text-decoration:underline;text-decoration-color:rgba(28,80,221,.4);text-underline-offset:3px;transition:text-decoration-color .2s}
  .prose a.inline:hover{text-decoration-color:var(--dark)}
  .prose b,.prose strong{color:var(--ink);font-weight:700}

  /* KEY TAKEAWAY strip */
  .takeaway{display:flex;gap:18px;align-items:flex-start;background:var(--grey);border:1px solid var(--stroke);border-radius:20px;padding:26px 28px;margin:0 0 34px}
  .takeaway .tk-ic{width:44px;height:44px;border-radius:12px;background:#fff;color:var(--dark);display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 3px 10px rgba(10,28,110,.08)}
  .takeaway .tk-ic svg{width:22px;height:22px}
  .takeaway .tk-l{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--dark);margin-bottom:5px}
  .takeaway p{font-size:16px;line-height:1.6;color:var(--ink);margin:0}

  /* PULL QUOTE (full box fill) */
  .pquote{position:relative;background:var(--dark);border-radius:22px;padding:40px 40px 36px;margin:44px 0;color:#fff;overflow:hidden}
  .pquote::before{content:"\201C";position:absolute;top:-24px;left:22px;font-size:150px;line-height:1;font-weight:700;color:rgba(63,208,255,.22)}
  .pquote p{position:relative;font-size:23px;line-height:1.42;font-weight:500;color:#fff;margin:0}

  /* WORKED EXAMPLE (mirrors the equity calculator) */
  .worked{background:#fff;border:1px solid var(--stroke);border-radius:22px;padding:28px 30px;margin:36px 0;box-shadow:0 16px 40px rgba(20,26,58,.07)}
  .worked .w-h{font-family:'Inter';font-weight:700;font-size:15px;letter-spacing:-.01em;text-transform:none;color:var(--ink);margin-bottom:18px}
  .worked .w-row{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-top:1px solid var(--stroke);font-size:15px;color:var(--muted)}
  .worked .w-row:first-of-type{border-top:none}
  .worked .w-row b{font-family:'Inter';font-weight:700;font-size:19px;color:var(--ink);letter-spacing:-.02em}
  .worked .w-row .op{color:var(--dark);font-weight:700;margin-right:6px}
  .worked .w-out{background:linear-gradient(135deg,#2f6bf3,#1a44bd);border-radius:14px;padding:18px 22px;margin-top:18px;display:flex;justify-content:space-between;align-items:center;gap:14px}
  .worked .w-out .wo-l{font-size:12.5px;font-weight:600;letter-spacing:.03em;text-transform:uppercase;color:rgba(255,255,255,.85)}
  .worked .w-out .wo-v{font-family:'Inter';font-weight:700;font-size:30px;letter-spacing:-.03em;color:#fff;line-height:1}
  .worked .w-note{font-size:12px;color:var(--muted);margin-top:14px;line-height:1.5}

  /* CALLOUT */
  .callout{background:var(--grey);border:1px solid var(--stroke);border-radius:20px;padding:28px 30px;margin:36px 0}
  .callout h4{margin-bottom:12px}
  .callout p{font-size:16px;line-height:1.65;color:var(--muted);margin:0}
  .callout p+p{margin-top:12px}

  /* LTV TABLE */
  .ltv{width:100%;border-collapse:collapse;margin:32px 0;font-size:16px;border:1px solid var(--stroke);border-radius:16px;overflow:hidden}
  .ltv thead th{background:var(--dark);color:#fff;text-align:left;font-weight:600;font-size:14px;padding:15px 20px;letter-spacing:.02em}
  .ltv td{padding:15px 20px;border-top:1px solid var(--stroke);color:#2c3350;vertical-align:top}
  .ltv tbody tr:nth-child(even){background:var(--grey)}
  .ltv td:first-child{font-weight:600;color:var(--ink)}

  /* INLINE CTA */
  .icta{background:linear-gradient(120deg,#12308f,var(--dark) 60%,#2a5cf0);border-radius:26px;padding:44px 44px;margin:44px 0;color:#fff;text-align:center;position:relative;overflow:hidden}
  .icta h3{color:#fff;margin-bottom:12px}
  .icta p{color:rgba(255,255,255,.86);font-size:16px;max-width:440px;margin:0 auto 24px}
  .icta .icta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

  /* AUTHOR CARD */
  .author{display:flex;gap:22px;align-items:center;background:var(--grey);border:1px solid var(--stroke);border-radius:24px;padding:28px 30px;margin:48px 0 0}
  .author img{width:76px;height:76px;border-radius:50%;object-fit:cover;flex-shrink:0}
  .author .a-name{font-family:'Inter';font-weight:700;font-size:18px;letter-spacing:-.02em;text-transform:none;color:var(--ink)}
  .author .a-role{font-size:13.5px;color:var(--dark);font-weight:600;margin-top:2px}
  .author .a-bio{font-size:14.5px;color:var(--muted);margin-top:10px;line-height:1.6}

  /* DISCLAIMER */
  .disc{margin:36px 0 0}
  .disc p{font-size:12.5px;line-height:1.7;color:var(--muted)}

  /* RELATED */
  .rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
  .rcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--stroke);border-radius:24px;overflow:hidden;transition:transform .3s var(--ease),box-shadow .3s}
  .rcard:hover{transform:translateY(-5px);box-shadow:0 22px 48px rgba(20,26,58,.09)}
  .rcard .r-img{height:180px;overflow:hidden;background:#0f2a80}
  .rcard .r-img img{width:100%;height:100%;object-fit:cover;transition:transform .6s var(--ease)}
  .rcard:hover .r-img img{transform:scale(1.06)}
  .rcard .r-body{padding:24px 24px 26px}
  .rcard h3{font-size:18px;letter-spacing:-.03em;line-height:1.15;margin-bottom:10px}
  .rcard .r-meta{font-size:12.5px;font-weight:600;color:var(--dark);text-transform:uppercase;letter-spacing:.04em}
  .rcard .r-meta span{color:var(--muted);font-weight:500;text-transform:none;letter-spacing:0}

  /* FOOTER */
  footer{background:#0e1533;color:rgba(255,255,255,.7);padding:64px 0 30px}
  .foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
  .foot-brand img{height:34px;margin-bottom:18px}
  .foot-brand h4{color:#fff;font-size:18px;text-transform:none;letter-spacing:-.02em;max-width:240px;margin-bottom:20px;line-height:1.3}
  footer h4.col{color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:16px}
  .foot-addr{font-size:14px;line-height:1.6;margin-bottom:14px}
  footer ul{list-style:none}footer li{margin-bottom:10px}
  footer li a{font-size:14px;color:rgba(255,255,255,.7);transition:color .2s}footer li a:hover{color:#fff}
  .foot-legal{font-size:12px;color:rgba(255,255,255,.5);padding:24px 0;line-height:1.6;border-bottom:1px solid rgba(255,255,255,.1)}
  .foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:22px;font-size:13px}

  @media(max-width:900px){
    .article-grid{grid-template-columns:1fr;gap:0;max-width:730px}
    .rail{display:none}
    .prose>p,.prose>ul,.prose>ol,.prose>h2,.prose>h3,.disc{max-width:none}
    .a-hero-img img{aspect-ratio:16/9}
    .rel-grid{grid-template-columns:1fr 1fr}
    .foot-top{grid-template-columns:1fr 1fr;gap:28px}
  }
  @media(max-width:680px){
    .nav-links,.nav-phone{display:none}.nav-toggle{display:flex}
    .mobile-menu{display:none;flex-direction:column;gap:6px;padding:16px 20px 22px;background:#fff;border-bottom:1px solid var(--stroke)}
    .mobile-menu.open{display:flex}.mobile-menu a{padding:10px 0;font-weight:500}
    section.band{padding:60px 0}
    .ahero{padding:104px 0 120px}
    .a-hero-img{margin-top:-80px}
    .author{flex-direction:column;text-align:center}
    .rel-grid{grid-template-columns:1fr}.foot-top{grid-template-columns:1fr}
    .ltv{font-size:14px}.ltv td,.ltv thead th{padding:12px 14px}
    .icta{padding:36px 26px}
  }
  @media(hover:none){.rcard:hover{transform:none}}
  @media(prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important;filter:none!important}}

  /* blog template additions */
  .ahero .a-dek{color:rgba(255,255,255,.86);font-size:19px;line-height:1.5;margin-top:18px;max-width:720px}
  .a-author .a-av,.author .a-av{display:inline-flex;align-items:center;justify-content:center;border-radius:50%;background:rgba(255,255,255,.16);color:#fff;font-weight:700;font-size:12px}
  .a-author .a-av{width:30px;height:30px}
  .author .a-av{width:64px;height:64px;font-size:18px;background:var(--dark);flex-shrink:0}
  .prose>h4{max-width:730px;margin:28px 0 10px}
  .sec-h{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap;margin-bottom:26px}
  .sec-h p{color:var(--muted);max-width:560px;margin-top:10px}