:root{--navy:#122d4b;--deep:#0b2240;--ink:#1d2b3a;--gold:#b8943f;--gold2:#d9b65c;--paper:#f4f2ee;--line:#dcd8cf;--mute:#5b6676;--ok:#1f7a4d;--bad:#a8322a;--serif:'Playfair Display',Georgia,'Times New Roman',serif;--sans:Montserrat,-apple-system,'Segoe UI',Roboto,Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:#fff;line-height:1.6;font-size:16px}
img{max-width:100%;height:auto;display:block}a{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.18;margin:0 0 .4em;color:var(--navy)}
h1{font-size:clamp(2.1rem,6vw,3.6rem)}h2{font-size:clamp(1.5rem,3.6vw,2.1rem)}h3{font-size:1.2rem}
h1 em,h2 em,h3 em{font-style:normal;color:var(--gold)}p{margin:0 0 1em}
.wrap{width:min(1120px,100% - 2.4rem);margin-inline:auto}.narrow{max-width:640px;margin-inline:auto}.c{text-align:center}.mt{margin-top:2.4rem}
.eyebrow{font-size:.74rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold2);font-weight:600;margin-bottom:.8rem}.eyebrow.dk{color:var(--gold)}.eyebrow a{color:inherit}
.rule{display:block;width:74px;height:2px;background:var(--gold);margin:.2rem 0 1.2rem}.rule.c{margin-inline:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.7rem 1.5rem;border-radius:3px;border:1.5px solid transparent;font:600 .95rem var(--sans);text-decoration:none;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(11,34,64,.22)}.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,button:focus-visible{outline:3px solid var(--gold2);outline-offset:2px}
.btn.gold{background:var(--gold);color:var(--deep)}.btn.navy{background:var(--navy);color:#fff}.btn.line{border-color:rgba(255,255,255,.75);color:#fff}.btn.line.dk{border-color:var(--navy);color:var(--navy)}
.btn.sm{min-height:40px;padding:.4rem 1rem;font-size:.85rem}.btn.full{width:100%}.btn[disabled]{opacity:.55;cursor:wait}.btns{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.4rem}.btns.c{justify-content:center}
.top{background:var(--navy);position:sticky;top:0;z-index:30;border-bottom:1px solid rgba(255,255,255,.14)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:1rem}
.brand{display:flex;align-items:center;gap:.7rem;color:#fff;text-decoration:none;font-family:var(--serif);font-size:1.05rem;line-height:1.15}.brand img{width:54px;height:54px;border-radius:4px}.brand small{display:block;font:500 .62rem var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gold2);margin-top:3px}
.burger{background:none;border:0;width:48px;height:48px;display:flex;flex-direction:column;justify-content:center;gap:6px;cursor:pointer;padding:10px}.burger i{display:block;height:2px;background:#fff}
#nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--deep);padding:.6rem 1.2rem 1.2rem;flex-direction:column;box-shadow:0 16px 30px rgba(0,0,0,.3)}#nav.open{display:flex}
#nav a{color:#e9edf3;text-decoration:none;padding:.85rem .2rem;border-bottom:1px solid rgba(255,255,255,.08);font-size:.95rem}#nav a.on{color:var(--gold2)}#nav .btn{margin-top:.9rem;border-bottom:0;color:var(--deep)}
@media(min-width:1040px){.burger{display:none}#nav{display:flex;position:static;flex-direction:row;align-items:center;gap:1.3rem;background:none;padding:0;box-shadow:none}#nav a{border:0;padding:.3rem 0;font-size:.86rem}#nav .btn{margin:0 0 0 .4rem;padding:.4rem 1rem}}
.hero{background:radial-gradient(1200px 500px at 85% 0,#1c3d63 0,var(--navy) 55%,var(--deep) 100%);color:#fff;padding:3.2rem 0 3.6rem;border-bottom:3px solid var(--gold);overflow:hidden}
.hero .grid{display:grid;gap:2.4rem;align-items:center}.hero h1{color:#fbf8f1;font-weight:700;font-size:clamp(2.7rem,9vw,4.8rem);letter-spacing:-.01em}
.hero .tag{font:italic 500 clamp(1.25rem,3.6vw,1.75rem) var(--serif);color:#fff;margin-bottom:.5rem}.hero .host{font-size:1.02rem}.hero .host b{color:var(--gold2);font-weight:600}.hero .founder{margin-top:1.6rem;font-size:.86rem;color:#c9d2de;letter-spacing:.04em}
.arch{justify-self:center;width:min(300px,74vw);aspect-ratio:4/5;border-radius:160px 160px 10px 10px;border:2px solid var(--gold2);padding:7px;box-shadow:0 26px 60px rgba(0,0,0,.4)}.arch img{width:100%;height:100%;object-fit:cover;object-position:50% 12%;border-radius:152px 152px 6px 6px}
@media(min-width:760px){.hero{padding:4.6rem 0 5rem}.hero .grid{grid-template-columns:1.25fr .75fr}.arch{width:330px;justify-self:end}}
.phead{background:linear-gradient(120deg,var(--deep),var(--navy) 60%,#274a72);color:#fff;padding:2.8rem 0 3rem;border-bottom:3px solid var(--gold)}.phead h1{color:#fff;max-width:19ch}.phead .lede{max-width:60ch;color:#dfe5ee;font-size:1.05rem;margin:0}
.band{background:var(--navy);color:#fff;padding:3.4rem 0 3.8rem}.lt{color:#fff}.band .sub{color:#c9d2de;margin-bottom:2rem;font-weight:500}
.arms{display:grid;gap:1.1rem}@media(min-width:820px){.arms{grid-template-columns:repeat(3,1fr)}}
.arm{position:relative;display:block;background:linear-gradient(160deg,#17375b,var(--deep));border:1px solid rgba(217,182,92,.35);border-radius:8px;padding:1.7rem 1.5rem 1.5rem;color:#fff;text-decoration:none;box-shadow:0 14px 30px rgba(0,0,0,.28),inset 0 1px 0 rgba(255,255,255,.08);transition:transform .2s,box-shadow .2s,border-color .2s}
.arm:hover{transform:translateY(-5px);box-shadow:0 22px 44px rgba(0,0,0,.38);border-color:var(--gold2)}.arm .n{font:500 .8rem var(--sans);letter-spacing:.2em;color:var(--gold2)}.arm h3{color:#fff;font-size:1.4rem;margin:.5rem 0 .6rem}.arm h3 em{color:var(--gold2)}.arm p{color:#c9d2de;font-size:.93rem}.go{font-weight:600;font-size:.86rem;color:var(--gold);letter-spacing:.02em}.arm .go{color:var(--gold2)}
.sec{padding:3.2rem 0}.sec.alt{background:var(--paper)}
.two{display:grid;gap:2.2rem;align-items:center}.two.start{align-items:start}@media(min-width:860px){.two{grid-template-columns:1fr 1fr}.two.wide{grid-template-columns:1.05fr .95fr}}
.pic{justify-self:center}.pic img{border-radius:120px 120px 8px 8px;border:2px solid var(--gold);padding:6px;width:min(260px,70vw);aspect-ratio:4/5;object-fit:cover;object-position:50% 10%;background:#fff;box-shadow:0 18px 40px rgba(18,45,75,.2)}
.panel{background:var(--navy);color:#e6ebf2;border-radius:8px;padding:1.7rem 1.6rem;box-shadow:0 16px 36px rgba(18,45,75,.22)}.panel h3{color:#fff;border-bottom:1px solid var(--gold);padding-bottom:.5rem;margin:1.2rem 0 .9rem}.panel h3:first-child{margin-top:0}.panel .ticks li::before{background:var(--gold2)}
.ticks{list-style:none;padding:0;margin:0 0 1.2rem}.ticks li{position:relative;padding:.3rem 0 .3rem 1.5rem}.ticks li::before{content:'';position:absolute;left:.1rem;top:.82rem;width:8px;height:8px;background:var(--gold);transform:rotate(45deg)}.narrow.c .ticks{display:inline-block;text-align:left}
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 1.2rem}.steps li{counter-increment:s;position:relative;padding:.5rem 0 .5rem 2.7rem}.steps li::before{content:counter(s);position:absolute;left:0;top:.42rem;width:1.9rem;height:1.9rem;border-radius:50%;border:1.5px solid var(--gold2);color:var(--gold2);display:grid;place-items:center;font:600 .82rem var(--sans)}.steps b{display:block;color:#fff}.steps.dk b{color:var(--navy)}.steps.dk li::before{border-color:var(--gold);color:var(--gold)}.steps.plain li{padding-top:.62rem}
.tiles{display:grid;gap:1.1rem;margin:1.2rem 0}@media(min-width:640px){.tiles.three{grid-template-columns:repeat(2,1fr)}}@media(min-width:980px){.tiles.three{grid-template-columns:repeat(3,1fr)}}
.tile{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:8px;padding:1.4rem 1.3rem 1.2rem;text-decoration:none;color:var(--ink);box-shadow:0 2px 0 #fff inset,0 10px 24px rgba(18,45,75,.1);transition:transform .2s,box-shadow .2s}
a.tile:hover{transform:translateY(-4px);box-shadow:0 20px 38px rgba(18,45,75,.2)}.tile p{font-size:.93rem;color:#3d4a5a;flex:1}.tile .fee{font-size:.8rem;color:var(--mute);margin-bottom:.6rem}.tile.flat{box-shadow:none;border-top-width:1px;border-left:3px solid var(--gold)}.tile.flat p{margin:0}
.cat{margin:1.8rem 0 0;font-size:1.25rem}.cat::before{content:'';display:inline-block;width:12px;height:12px;background:var(--gold);transform:skew(-18deg);margin-right:.6rem}
.quick{display:grid;gap:1rem}@media(min-width:780px){.quick{grid-template-columns:repeat(3,1fr)}}.quick a{display:block;padding:1.3rem 1.3rem 1.3rem 1.5rem;border-left:3px solid var(--gold);background:var(--paper);text-decoration:none;border-radius:0 8px 8px 0;transition:background .2s}.quick a:hover{background:#ebe7de}.quick b{display:block;font-family:var(--serif);font-size:1.15rem;color:var(--navy);font-weight:500}.quick span{font-size:.9rem;color:#3d4a5a}
.four{display:grid;gap:1rem;margin-top:1.6rem}@media(min-width:600px){.four{grid-template-columns:repeat(2,1fr)}}@media(min-width:980px){.four{grid-template-columns:repeat(4,1fr)}.four.sm{grid-template-columns:repeat(2,1fr)}}
.four>div{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.3rem 1.1rem;text-align:center;box-shadow:0 8px 20px rgba(18,45,75,.08)}.four b{display:block;font-family:var(--serif);font-weight:500;font-size:1.08rem;color:var(--navy);margin-bottom:.3rem}.four span{font-size:.88rem;color:#3d4a5a}.four.sm>div{padding:.9rem .8rem}.four.sm b{font-size:.95rem;margin:0}
.show{background:var(--deep);color:#dfe5ee;text-align:center;padding:3.2rem 0;border-top:1px solid rgba(217,182,92,.4);border-bottom:1px solid rgba(217,182,92,.4)}
.cta{background:linear-gradient(180deg,var(--navy),var(--deep));color:#dfe5ee;text-align:center;padding:3.2rem 0}.cta h2{color:#fff}
.list{list-style:none;padding:0;margin:1rem 0}.list li{padding:.8rem 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:.15rem}.list span{font-size:.92rem;color:#3d4a5a}
.note,.fineprint{font-size:.86rem;color:var(--mute)}.feebox{background:var(--paper);border-left:3px solid var(--gold);padding:.8rem 1rem;font-weight:600;color:var(--navy)}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:1.5rem 1.3rem;box-shadow:0 14px 34px rgba(18,45,75,.13);margin-bottom:1.3rem}.card.ok{border-left:4px solid var(--ok)}.card.bad{border-left:4px solid var(--bad)}
.form label{display:block;font-size:.86rem;font-weight:600;color:var(--navy);margin-bottom:.9rem}.form input,.form select,.form textarea{display:block;width:100%;margin-top:.3rem;padding:.75rem .8rem;min-height:48px;border:1.5px solid #c3c9d2;border-radius:5px;font:400 1rem var(--sans);color:var(--ink);background:#fff}.form textarea{min-height:92px;resize:vertical}
.form .row{display:grid;gap:0 .9rem}@media(min-width:560px){.form .row{grid-template-columns:1fr 1fr}}.hp{position:absolute!important;left:-9999px;height:1px;width:1px;opacity:0}
.msg{margin:.8rem 0 0;font-weight:600;min-height:1.2em}.msg.err{color:var(--bad)}.msg.good{color:var(--ok)}
.done{text-align:center;padding:1rem 0}.done .ref{font:700 1.7rem var(--serif);color:var(--navy);letter-spacing:.04em;margin:.3rem 0 1rem}
.foot{background:var(--deep);color:#c9d2de;padding:2.6rem 0 1.4rem;font-size:.92rem}.foot .cols{display:grid;gap:1.8rem}@media(min-width:780px){.foot .cols{grid-template-columns:1.4fr 1fr 1fr}}.foot b{display:block;color:#fff;margin-bottom:.5rem;font-family:var(--serif);font-weight:500;font-size:1.05rem}.foot a,.foot span{display:block;color:#c9d2de;text-decoration:none;padding:.22rem 0}.foot a:hover{color:var(--gold2)}.foot .quote{font:italic 500 1.1rem var(--serif);color:#fff;max-width:32ch}.foot .fine{margin-top:1.8rem;padding-top:1rem;border-top:1px solid rgba(255,255,255,.12);font-size:.8rem}.foot .fine a{display:inline}
.wa{position:fixed;right:16px;bottom:16px;width:54px;height:54px;border-radius:50%;background:#1f9d57;display:grid;place-items:center;box-shadow:0 8px 20px rgba(0,0,0,.3);z-index:20}
/* portal */
.pf h2{margin-bottom:.1em}.badge{display:inline-block;padding:.18rem .7rem;border-radius:20px;font-size:.76rem;font-weight:600;background:#e7edf5;color:var(--navy);text-transform:capitalize}.badge.ok{background:#dff2e7;color:var(--ok)}.badge.bad{background:#f7e1df;color:var(--bad)}.badge.warn{background:#f8ecd0;color:#7a5a12}
.track{list-style:none;margin:1rem 0 0;padding:0}.track li{position:relative;padding:0 0 1.1rem 2.2rem;color:var(--mute)}.track li::before{content:'';position:absolute;left:.3rem;top:.25rem;width:14px;height:14px;border-radius:50%;border:2px solid #c3c9d2;background:#fff}.track li::after{content:'';position:absolute;left:calc(.3rem + 6px);top:1.25rem;bottom:0;width:2px;background:#dfe3e9}.track li:last-child::after{display:none}
.track li.did{color:var(--ink)}.track li.did::before{background:var(--gold);border-color:var(--gold)}.track li.did::after{background:var(--gold)}.track li.now{color:var(--navy);font-weight:700}.track li.now::before{background:var(--navy);border-color:var(--navy);box-shadow:0 0 0 4px rgba(18,45,75,.15)}
.rows{width:100%;border-collapse:collapse;font-size:.93rem}.rows td,.rows th{padding:.55rem .3rem;border-bottom:1px solid #e8e5de;text-align:left;vertical-align:top}.rows td:last-child,.rows th:last-child{text-align:right;white-space:nowrap}.rows tr.tot td{font-weight:700;border-bottom:0;color:var(--navy)}
.doc{display:flex;align-items:center;justify-content:space-between;gap:.8rem;padding:.7rem 0;border-bottom:1px solid #e8e5de}.doc small{display:block;color:var(--bad)}.doc .btn{flex:none}
.thread{display:flex;flex-direction:column;gap:.6rem;margin:1rem 0}.thread div{padding:.6rem .8rem;border-radius:8px;background:var(--paper);font-size:.93rem;max-width:92%}.thread .in{align-self:flex-end;background:#e3ebf5}.thread small{display:block;color:var(--mute);font-size:.74rem}
.bank{white-space:pre-wrap;background:var(--paper);padding:.8rem 1rem;border-radius:6px;font-size:.93rem;margin:.8rem 0}
/* printable sheets */
body.paper{background:#e9e6df;padding:1.2rem}.sheet{background:#fff;max-width:640px;margin:0 auto;padding:2rem;border-top:6px solid var(--navy)}.lh{display:flex;gap:1rem;align-items:center;border-bottom:2px solid var(--gold);padding-bottom:1rem;margin-bottom:1.4rem}.lh span{display:block;font-size:.85rem;color:var(--mute)}.kv{width:100%;border-collapse:collapse}.kv td{padding:.6rem .2rem;border-bottom:1px solid #e8e5de}.kv td:last-child{text-align:right}.thanks{margin:1.6rem 0;font:italic 1.2rem var(--serif)}
.cert{max-width:980px;margin:0 auto 1rem;background:#fff;padding:14px;border:3px solid var(--navy)}.cert .in{border:1.5px solid var(--gold);padding:2.4rem 1.4rem;text-align:center}.cert img{margin:0 auto .8rem;border-radius:4px}.cert h1{font-size:clamp(1.8rem,5vw,3rem);margin:.3rem 0 1rem}.cert h2{font:italic 500 clamp(1.7rem,5vw,2.7rem) var(--serif);border-bottom:1px solid var(--gold);display:inline-block;padding:0 1.5rem .3rem}.cert h3{font-size:1.5rem;color:var(--gold)}.cert .sig{display:flex;justify-content:space-around;gap:2rem;margin:2.6rem 0 1.2rem}.cert .sig div{flex:1;max-width:260px;font-weight:600}.cert .sig span{display:block;border-bottom:1px solid var(--ink);height:3rem;margin-bottom:.4rem}.cert .sig small{display:block;font-weight:400;color:var(--mute)}.cert .code{font-size:.78rem;color:var(--mute);margin:0}
@media print{.noprint,.wa{display:none!important}body.paper{background:#fff;padding:0}.cert{border-width:3px}@page{margin:12mm}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
/* spoken welcome (home page) */
.guide{background:var(--deep);border-bottom:1px solid rgba(217,182,92,.4);position:sticky;top:74px;z-index:25}.gin{display:flex;align-items:center;gap:.8rem;min-height:56px;padding:.4rem 0}
.gplay{display:inline-flex;align-items:center;gap:.6rem;background:var(--gold);color:var(--deep);border:0;border-radius:30px;min-height:44px;padding:.4rem 1.1rem .4rem .5rem;font:600 .9rem var(--sans);cursor:pointer;flex:none}
.gi{width:32px;height:32px;border-radius:50%;background:var(--deep);position:relative;flex:none}.gi::before{content:'';position:absolute;left:12px;top:9px;border-left:11px solid var(--gold2);border-top:7px solid transparent;border-bottom:7px solid transparent}
.guide.playing .gi::before{left:10px;top:9px;width:4px;height:14px;border:0;border-left:4px solid var(--gold2);border-right:4px solid var(--gold2);box-sizing:content-box}
#gcap{flex:1;margin:0;color:#fff;font-size:.92rem;line-height:1.35}.gx{background:none;border:1px solid rgba(255,255,255,.5);color:#fff;width:44px;height:44px;border-radius:50%;font-size:1.3rem;cursor:pointer;flex:none}
.guide.active .gplay{padding-right:.5rem}.guide.active #glabel{display:none}
.speaking{outline:3px solid var(--gold2);outline-offset:6px;border-radius:8px;transition:outline-color .2s}
@media(max-width:600px){#gcap{font-size:.8rem}.gin{gap:.6rem}}