@font-face{font-family:Inter;font-weight:100 900;font-display:swap;src:url(/inter-latin-wght-normal.woff2) format("woff2")}
@font-face{font-family:"DM Serif Display";font-weight:400;font-display:swap;src:url(/dm-serif-display-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Inter Fallback";src:local("Arial"),local("Liberation Sans");size-adjust:105.2%;ascent-override:92.1%;descent-override:22.9%;line-gap-override:0%}
@font-face{font-family:"DM Serif Fallback";src:local("Times New Roman"),local("Liberation Serif");size-adjust:107.8%;ascent-override:96.1%;descent-override:31.1%;line-gap-override:0%}
:root{--navy:#0b2a55;--green:#0d6b3a;--gold:#98650b;--ink:#1d2433;--muted:#566074;--cream:#fdf6e9;--line:#e8e1d2}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:Inter,"Inter Fallback",system-ui,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
h1,h2,h3.serif,.serif{font-family:"DM Serif Display","DM Serif Fallback",Georgia,serif;font-weight:400}
a{color:inherit}img{max-width:100%;height:auto}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 16px;z-index:100}.skip:focus{left:8px;top:8px}
.bar{position:fixed;top:0;left:0;height:3px;width:0;background:var(--green);z-index:99}
/* header */
header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 1px 10px rgba(0,0,0,.07)}
.nav{display:flex;align-items:center;gap:16px;height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;min-width:0}
.logo img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.logo b{font-family:"DM Serif Display","DM Serif Fallback",serif;font-weight:400;font-size:21px;color:var(--navy);white-space:nowrap}
nav{margin-left:auto}nav ul{display:flex;gap:22px;list-style:none;font-size:14px;font-weight:600}
nav a{text-decoration:none;padding:6px 0}nav a:hover,nav a[aria-current]{color:var(--green)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 20px;border-radius:999px;font-weight:600;font-size:14px;text-decoration:none;border:0;cursor:pointer}
.b-green{background:var(--green);color:#fff}.b-navy{background:var(--navy);color:#fff}.b-gold{background:#f1c76a;color:var(--navy)}
.menu{display:none;margin-left:auto;background:none;border:0;font-size:26px;width:44px;height:44px;color:var(--navy)}
/* listing */
.hero{background:linear-gradient(var(--cream),#fff);padding:46px 0 26px;text-align:center}
.crumb{font-size:13px;color:var(--muted);margin-bottom:16px}.crumb a{text-decoration:none}.crumb a:hover{text-decoration:underline}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.hero h1{font-size:clamp(34px,5vw,52px);line-height:1.1;color:var(--navy);margin:8px 0 12px}
.hero p{max-width:640px;margin:0 auto;color:var(--muted)}
.tools{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin:24px 0 6px}
.tools input{font:inherit;padding:12px 16px;border:1px solid #cfc8b8;border-radius:999px;min-width:min(100%,300px)}
.chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.chip{font:inherit;font-size:14px;font-weight:600;padding:9px 16px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--navy);cursor:pointer}
.chip[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;padding:30px 0 60px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 6px 22px rgba(40,30,10,.08);overflow:hidden;display:flex;flex-direction:column;transition:transform .15s}
.card:hover{transform:translateY(-3px)}
.card .th{aspect-ratio:16/9;background:linear-gradient(135deg,#0b2a55,#12407f);display:grid;place-items:center;font-size:44px;overflow:hidden}
.card .th img{width:100%;height:100%;object-fit:cover;display:block}
.card .bd{padding:18px 20px 22px;display:flex;flex-direction:column;flex:1}
.tag{display:inline-block;font-size:12px;font-weight:700;color:var(--green);background:#e6f3ea;border-radius:999px;padding:3px 10px;align-self:flex-start}
.card h2{font-size:22px;line-height:1.25;color:var(--navy);margin:10px 0 8px}
.card h2 a{text-decoration:none}.card h2 a::after{content:"";position:absolute;inset:0}
.card{position:relative}
.card p{font-size:14px;color:var(--muted);flex:1}
.meta{font-size:12.5px;color:var(--muted);margin-top:12px}
.empty{grid-column:1/-1;text-align:center;color:var(--muted);padding:30px}
.card.feat{grid-column:1/-1;flex-direction:row}.card.feat .th{flex:0 0 42%;aspect-ratio:auto;min-height:240px}.card.feat h2{font-size:30px}
/* article */
.art{max-width:760px;margin:0 auto;padding:34px 20px 20px}
.art h1{font-size:clamp(32px,5vw,46px);line-height:1.12;color:var(--navy);margin:10px 0 14px}
.byline{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13.5px;color:var(--muted);padding-bottom:18px;border-bottom:1px solid var(--line)}
.lead{font-size:18px;color:var(--muted);margin:22px 0}
.art h2{font-size:30px;color:var(--navy);margin:38px 0 12px;line-height:1.2}
.art h3{font-size:19px;color:var(--navy);margin:22px 0 6px}
.art p{margin-bottom:16px}.art ul,.art ol{margin:0 0 18px 22px}.art li{margin-bottom:8px}
.art a{color:var(--green);font-weight:600}
.box{background:var(--cream);border-left:4px solid var(--gold);border-radius:12px;padding:18px 20px;margin:24px 0}
.box b{display:block;color:var(--navy);margin-bottom:6px}.box ul{margin-bottom:0}
.toc{border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin:22px 0;background:#fff}
.toc b{color:var(--navy)}.toc ol{margin:8px 0 0 20px}.toc a{font-weight:500;text-decoration:none}
table{width:100%;border-collapse:collapse;margin:18px 0;font-size:14.5px}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}th{background:var(--cream);color:var(--navy)}
.scroll{overflow-x:auto}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600}details p{margin:10px 0 0;color:var(--muted)}
.share{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:26px 0;font-size:14px}
.share a,.share button{font:inherit;font-size:14px;font-weight:600;padding:9px 16px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--navy);text-decoration:none;cursor:pointer}
.cta{background:linear-gradient(135deg,#0b2a55,#12407f);color:#fff;border-radius:20px;padding:28px;margin:34px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h3{font-family:"DM Serif Display","DM Serif Fallback",serif;font-weight:400;font-size:26px;color:#fff;margin:0 0 4px}.cta p{margin:0;opacity:.9;font-size:14px}
.cta .row{display:flex;gap:10px;flex-wrap:wrap}
.author{display:flex;gap:14px;align-items:center;border-top:1px solid var(--line);padding-top:22px;margin-top:30px;font-size:14px;color:var(--muted)}
.author img{width:52px;height:52px;border-radius:50%}.author b{display:block;color:var(--navy)}
.disc{font-size:13px;color:var(--muted);background:#f6f7fa;border-radius:10px;padding:12px 16px;margin-top:22px}
.related{background:var(--cream);padding:46px 0;margin-top:30px}.related h2{font-size:30px;color:var(--navy);margin-bottom:18px}.related .posts{padding:0}
/* footer */
footer{background:#0a2447;color:#cfd8e8;padding:34px 0 22px;font-size:14px}
.fl{display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:center;margin-bottom:14px}.fl a{text-decoration:none;padding:6px 0;display:inline-block}.fl a:hover{color:#fff}
footer p{text-align:center;font-size:13px;opacity:.85;margin-top:6px}
@media(max-width:980px){
  .menu{display:grid;place-items:center;margin-left:0}.nav>.btn{margin-left:auto;padding:9px 14px;white-space:nowrap}
  nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;padding:6px 20px 16px;box-shadow:0 10px 20px rgba(0,0,0,.1);margin:0}
  nav.open{display:block}nav ul{flex-direction:column;gap:0}nav a{display:block;padding:13px 0;border-bottom:1px solid var(--line);font-size:16px}
  .posts{grid-template-columns:repeat(2,1fr)}.card.feat{flex-direction:column}.card.feat .th{flex:none;min-height:0;aspect-ratio:16/9}
}
@media(max-width:620px){.nav>.btn{font-size:13px}.logo b{font-size:17px}.posts{grid-template-columns:1fr}.cta{padding:22px}.cta .btn{width:100%;justify-content:center}.cta .row{width:100%}.logo b{font-size:18px}.art h2{font-size:26px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
/* ===== hub additions ===== */
.badges{display:flex;flex-wrap:wrap;gap:10px 22px;justify-content:center;margin-top:22px;font-size:13.5px;font-weight:600;color:var(--navy)}
.badges span::before{content:"✔";color:var(--green);margin-right:6px}
.hero .cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:22px}
.sec{padding:54px 0}.sec.alt{background:var(--cream)}
.sh{text-align:center;max-width:680px;margin:0 auto 30px}.sh h2{font-size:clamp(28px,4vw,38px);color:var(--navy);line-height:1.15;margin:6px 0 8px}.sh p{color:var(--muted)}
.topics{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.topic{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 6px 22px rgba(40,30,10,.07);display:flex;flex-direction:column}
.topic .ic{width:48px;height:48px;border-radius:14px;background:#e8eefb;display:grid;place-items:center;font-size:24px;margin-bottom:12px}
.topic h3{font-family:"DM Serif Display","DM Serif Fallback",serif;font-weight:400;font-size:23px;color:var(--navy);margin-bottom:6px}
.topic p{font-size:14px;color:var(--muted);margin-bottom:14px;flex:1}
.topic ul{list-style:none;font-size:14px;margin-bottom:14px}.topic li{padding:6px 0;border-top:1px solid var(--line)}
.topic li a{font-weight:600;text-decoration:none;color:var(--green)}.topic li a:hover{text-decoration:underline}
.topic .soon{color:var(--muted);font-size:13px}
.topic .go{font-weight:700;font-size:14px;color:var(--navy);text-decoration:none}.topic .go:hover{text-decoration:underline}
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:26px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:0 10px 34px rgba(40,30,10,.1)}
.fld{margin-bottom:20px}.fld label{display:flex;justify-content:space-between;font-weight:600;font-size:14px;color:var(--navy);margin-bottom:8px}
.fld output{color:var(--green)}
input[type=range]{width:100%;accent-color:var(--green);height:28px}
.res{background:linear-gradient(135deg,#0b2a55,#12407f);color:#fff;border-radius:18px;padding:24px;display:flex;flex-direction:column;justify-content:center}
.res small{opacity:.8;font-size:13px}.res .big{font-family:"DM Serif Display","DM Serif Fallback",serif;font-size:clamp(34px,5vw,46px);line-height:1.1;margin:4px 0 16px}
.res dl{display:grid;grid-template-columns:1fr auto;gap:8px 12px;font-size:14px;margin-bottom:14px}.res dd{font-weight:700;text-align:right}
.split{height:12px;border-radius:99px;background:#f1c76a;overflow:hidden;margin-bottom:6px}.split i{display:block;height:100%;background:#7fd1a0;width:50%}
.legend{display:flex;justify-content:space-between;font-size:12px;opacity:.85;margin-bottom:16px}
.res .btn{justify-content:center}
.note{font-size:12.5px;color:var(--muted);margin-top:12px;text-align:center}
.how{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:s}
.how div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;font-size:14px;color:var(--muted)}
.how div::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--gold);color:#fff;font-weight:700;margin-bottom:10px}
.how b{display:block;color:var(--navy);font-size:16px;margin-bottom:4px}
.faqs{max-width:780px;margin:0 auto}
.areas{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:16px}.areas span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:13px;font-weight:600;color:var(--navy)}
@media(max-width:980px){.topics{grid-template-columns:repeat(2,1fr)}.calc{grid-template-columns:1fr}.how{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.topics,.how{grid-template-columns:1fr}.calc{padding:20px}.sec{padding:40px 0}.hero .cta-row .btn{width:100%;justify-content:center}}

@media(max-width:620px){.hide-xs{display:none}}
@media(max-width:375px){.logo b{font-size:15px}.logo img{width:34px;height:34px}.nav{gap:8px}.nav>.btn{padding:8px 10px}}