:root{
  --ink:#101D30; --lake:#172F4D; --palm:#2E5480; --paper:#FBFBF8;
  --mist:#EDF0F5; --line:#D8DDE6; --amber:#9E824D; --amber-soft:#F0E9D8;
  --body:#3B4656;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{font-family:'Public Sans',system-ui,sans-serif;background:var(--paper);color:var(--body);line-height:1.7;font-size:1.02rem}
h1,h2,h3,.display{font-family:'Fraunces',Georgia,serif;color:var(--ink);line-height:1.15;font-weight:600}
h1{font-size:clamp(2rem,5vw,3.3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,3vw,2.1rem);margin-bottom:.7rem}
h3{font-size:1.22rem;margin-bottom:.4rem}
p{margin-bottom:1rem}
a{color:var(--lake)}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 1.25rem}
.narrow{max-width:760px}
/* nav */
.topbar{background:var(--lake);color:#EAF2EE;font-size:.85rem;padding:.4rem 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
nav.main{position:sticky;top:0;background:rgba(251,251,248,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:50}
nav.main .wrap{display:flex;align-items:center;justify-content:space-between;padding:.7rem 1.25rem;gap:1rem}
.logo{font-family:'Fraunces',serif;font-weight:700;font-size:1.25rem;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:.5rem}
.logo svg{flex:none}
.navlinks{display:flex;gap:1.4rem;align-items:center;flex-wrap:wrap}
.navlinks a{text-decoration:none;color:var(--body);font-weight:500;font-size:.95rem}
.navlinks a:hover{color:var(--lake)}
.btn{display:inline-block;background:var(--lake);color:#fff!important;text-decoration:none;padding:.65rem 1.3rem;border-radius:6px;font-weight:700;font-size:.95rem;border:2px solid var(--lake)}
.btn:hover{background:var(--palm);border-color:var(--palm)}
.btn.ghost{background:transparent;color:var(--lake)!important}
.btn.ghost:hover{background:var(--mist)}
.btn.amber{background:var(--amber);border-color:var(--amber)}
/* hero */
.hero{position:relative;background:var(--lake);color:#DCE4EF;overflow:hidden}
.hero .wrap{position:relative;padding:4.5rem 1.25rem 4rem;max-width:1080px}
.hero h1{color:#fff;max-width:15ch}
.hero p.lead{font-size:1.15rem;max-width:52ch;margin:1.2rem 0 1.8rem;color:#C6D2E2}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--amber);margin-bottom:1rem}
.hero .eyebrow{color:#D6BD85}
.hero-ctas{display:flex;gap:.8rem;flex-wrap:wrap}
.hero .btn{background:#fff;color:var(--lake)!important;border-color:#fff}
.hero .btn:hover{background:var(--amber-soft)}
.hero .btn.ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.6)}
.contours{position:absolute;right:-120px;top:-60px;opacity:.16;pointer-events:none}
/* lakes divider (signature) */
.lakes{display:flex;justify-content:center;gap:14px;padding:2.6rem 0 0}
.lakes span{width:12px;height:12px;border:2px solid var(--palm);border-radius:50%;position:relative;opacity:.7}
.lakes span::after{content:"";position:absolute;inset:-6px;border:1px solid var(--palm);border-radius:50%;opacity:.45}
/* sections */
section{padding:3.4rem 0}
section.tint{background:var(--mist)}
.grid{display:grid;gap:1.4rem}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;display:flex;flex-direction:column}
.card .band{background:linear-gradient(135deg,var(--lake),var(--palm));color:#fff;padding:1.4rem 1.3rem 1.1rem}
.card .band .tag{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:#CDD9E8;font-weight:700}
.card .band h3{color:#fff;margin:.2rem 0 0}
.card .body{padding:1.1rem 1.3rem 1.3rem;display:flex;flex-direction:column;gap:.6rem;flex:1}
.card .body p{margin:0;font-size:.95rem}
.card .body a.more{margin-top:auto;font-weight:700;text-decoration:none}
.badge{display:inline-block;background:var(--amber-soft);color:#6B5624;border:1px solid #D8C89F;font-weight:700;font-size:.8rem;padding:.25rem .7rem;border-radius:99px}
/* answer box (AEO) */
.answer{background:var(--mist);border-left:4px solid var(--lake);padding:1.1rem 1.3rem;border-radius:0 8px 8px 0;margin:1.4rem 0}
.answer strong{color:var(--ink)}
/* faq */
details{border:1px solid var(--line);border-radius:8px;background:#fff;margin-bottom:.7rem}
details summary{cursor:pointer;font-weight:700;color:var(--ink);padding:.9rem 1.1rem;list-style:none;display:flex;justify-content:space-between;gap:1rem}
details summary::after{content:"+";color:var(--palm);font-weight:400;font-size:1.3rem;line-height:1}
details[open] summary::after{content:"–"}
details .a{padding:0 1.1rem 1rem}
details .a p{margin-bottom:.5rem}
/* article */
article.post h2{margin-top:2.2rem}
article.post h3{margin-top:1.4rem}
article.post ul,article.post ol{margin:0 0 1.1rem 1.4rem}
article.post li{margin-bottom:.45rem}
.meta{font-size:.85rem;color:#6B7A73;margin-bottom:1.4rem}
.crumbs{font-size:.85rem;margin:1.4rem 0 0;color:#6B7A73}
.crumbs a{text-decoration:none}
table{border-collapse:collapse;width:100%;margin:0 0 1.2rem;font-size:.95rem}
th,td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left;vertical-align:top}
th{background:var(--mist);color:var(--ink)}
/* cta strip */
.cta-strip{background:var(--lake);color:#fff;border-radius:12px;padding:2rem;display:flex;justify-content:space-between;align-items:center;gap:1.4rem;flex-wrap:wrap}
.cta-strip h2{color:#fff;margin:0}
.cta-strip p{color:#C6D2E2;margin:.3rem 0 0}
.cta-strip .btn{background:#fff;color:var(--lake)!important;border-color:#fff}
.cta-strip .btn:hover{background:var(--amber-soft);border-color:var(--amber-soft)}
.cta-strip .btn.ghost,.hero .btn.ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.75)}
.cta-strip .btn.ghost:hover,.hero .btn.ghost:hover{background:rgba(255,255,255,.16);border-color:#fff;color:#fff!important}
/* checklist */
ul.checks{list-style:none;margin-left:0!important}
ul.checks li{padding-left:1.7rem;position:relative}
ul.checks li::before{content:"✓";position:absolute;left:0;color:var(--palm);font-weight:800}
/* footer */
footer{background:var(--ink);color:#B6C0CE;padding:3rem 0 2rem;margin-top:3.5rem;font-size:.92rem}
footer h3{color:#fff;font-size:1rem;margin-bottom:.7rem;font-family:'Public Sans',sans-serif}
footer a{color:#DCE4EF;text-decoration:none}
footer a:hover{text-decoration:underline}
.fgrid{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));margin-bottom:2rem}
.fine{border-top:1px solid #2A3B52;padding-top:1.2rem;font-size:.8rem;color:#8A97A8}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.author{display:flex;gap:1.1rem;align-items:center;background:#fff;border:1px solid var(--line);border-radius:10px;padding:1.1rem 1.3rem;margin-top:2rem}
.author img{width:88px;height:88px;border-radius:50%;object-fit:cover;flex:none;border:3px solid var(--amber-soft)}
.author p{margin:0;font-size:.95rem}
.agent-photo{width:min(280px,70%);border-radius:14px;border:4px solid #fff;box-shadow:0 10px 30px rgba(16,29,48,.25)}
@media(max-width:640px){.navlinks{display:none}.topbar .wrap{justify-content:center}}

/* authority and evidence blocks */
.sources,.experience{margin:2rem 0;padding:1.15rem 1.3rem;border:1px solid var(--line);border-radius:10px;background:#fff}
.sources{border-left:4px solid var(--amber)}
.sources h2,.experience h2{margin-top:0!important;font-size:1.25rem}
.sources ul{margin-bottom:0!important}
.source-note{font-size:.9rem;color:#5f6b79}
.sources a{overflow-wrap:anywhere}

/* table of contents */
nav.toc{margin:1.4rem 0 2rem;padding:1rem 1.3rem;border:1px solid var(--line);border-radius:10px;background:var(--mist)}
.toc-label{margin:0 0 .5rem;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--palm)}
nav.toc ul{margin:0;padding-left:1.1rem;columns:1;font-size:.95rem}
nav.toc li{margin-bottom:.35rem}
nav.toc a{text-decoration:none;color:var(--ink);font-weight:500}
nav.toc a:hover{color:var(--lake);text-decoration:underline}
@media(min-width:640px){nav.toc ul{columns:2;column-gap:1.6rem}}
h2[id]{scroll-margin-top:5.5rem}

/* Visual asset fixes: preserve original logo and headshot proportions */
.logo img{
  display:block;
  width:auto !important;
  height:38px !important;
  max-width:min(268px,62vw);
  object-fit:contain;
  aspect-ratio:auto;
}
.agent-photo{
  display:block;
  width:min(280px,70%) !important;
  height:auto !important;
  aspect-ratio:auto !important;
  object-fit:contain !important;
  margin-inline:auto;
}
.author img{
  width:88px !important;
  height:88px !important;
  aspect-ratio:1 / 1;
  object-fit:cover !important;
  object-position:center 32%;
}
@media(max-width:640px){
  .logo img{height:34px !important;max-width:220px}
  .agent-photo{width:min(260px,82%) !important}
}

/* 2026-10 SEO/AEO refresh additions */
.skip{position:absolute;left:-9999px;top:0;background:var(--lake);color:#fff;padding:.6rem 1rem;z-index:100}
.skip:focus{left:1rem;top:1rem}
.tbl{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 0 1.2rem}
.tbl table{margin:0;min-width:520px}
.formula{background:#fff;border:1px dashed var(--line);border-radius:8px;padding:.9rem 1.1rem;font-size:1.05rem;overflow-x:auto}
code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:var(--mist);padding:.1rem .35rem;border-radius:4px;font-size:.9em}
article.post ol ul,article.post li ul{margin-top:.4rem}
.facts th{width:34%}
.cat-nav{display:flex;flex-wrap:wrap;gap:.5rem;margin:1rem 0 2rem}
.cat-nav a{border:1px solid var(--line);border-radius:99px;padding:.3rem .8rem;text-decoration:none;font-size:.9rem;background:#fff}
.guide-list{list-style:none;margin:0 0 2rem!important}
.guide-list li{padding:.8rem 0;border-bottom:1px solid var(--line)}
.guide-list a{font-weight:700;text-decoration:none}
.guide-list p{margin:.2rem 0 0;font-size:.93rem}
.note{font-size:.9rem;color:#5f6b79}
/* fix: author photo squished by flex layout */
.author picture{flex:0 0 88px;display:block;width:88px;height:88px}
.author picture img{display:block}
/* fix: homepage quick answer spacing */
section.qa{padding:2rem 0 0}
section.qa .answer{margin:0}
section.qa + section{padding-top:2.4rem}