/* Layout: navy-and-gold agent site; sticky header, full-width colored bands, 1120px content column, large type for 65+ readers */
  :root {
    --bg: #ffffff;
    --surface: #eef3f8;
    --surface-2: #e1eaf3;
    --ink: #15273b;
    --muted: #44596f;
    --navy: #0d2f52;
    --navy-deep: #082139;
    --on-navy: #ffffff;
    --on-navy-muted: #cfe0f0;
    --gold: #e3a81c;
    --gold-deep: #a86f05;
    --gold-ink: #241a02;
    --line: #cfdce8;
    --card: #ffffff;
    --link: #0d4a85;
    --heading-accent: #0d2f52;
    --placeholder-bg: #fff2c7;
    --placeholder-ink: #5a3d00;
    --shadow: 0 10px 30px rgba(9, 37, 64, 0.12);
    --radius: 14px;
    --font-display: "Source Serif 4", Georgia, "Times New Roman", serif;
    --font-body: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  }
  @media (prefers-color-scheme: dark) {
    :root:not([data-theme="light"]) {
      --bg: #0a1a2c; --surface: #0f2640; --surface-2: #143352; --ink: #eef3f8; --muted: #b6c7d8;
      --navy: #0d2f52; --navy-deep: #061a2e; --line: #28496a; --card: #0e243d; --link: #93c5f3;
      --heading-accent: #a9cdf2; --gold-deep: #e3a81c; --placeholder-bg: #4a3800; --placeholder-ink: #ffe6a3;
      --shadow: 0 10px 30px rgba(0, 0, 0, 0.45); color-scheme: dark;
    }
  }
  :root[data-theme="dark"] {
    --bg: #0a1a2c; --surface: #0f2640; --surface-2: #143352; --ink: #eef3f8; --muted: #b6c7d8;
    --navy: #0d2f52; --navy-deep: #061a2e; --line: #28496a; --card: #0e243d; --link: #93c5f3;
    --heading-accent: #a9cdf2; --gold-deep: #e3a81c; --placeholder-bg: #4a3800; --placeholder-ink: #ffe6a3;
    --shadow: 0 10px 30px rgba(0, 0, 0, 0.45); color-scheme: dark;
  }

  * { box-sizing: border-box; }
  html { scroll-behavior: smooth; scroll-padding-top: 96px; }
  body {
    margin: 0; font-family: var(--font-body); font-size: 19px; line-height: 1.6;
    color: var(--ink); background: var(--bg);
  }
  body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 70; background: var(--navy-deep); }
  img { max-width: 100%; height: auto; display: block; }
  a { color: var(--link); }
  .wrap {
    max-width: 1120px; margin: 0 auto;
    padding-left: max(20px, env(safe-area-inset-left, 0px));
    padding-right: max(20px, env(safe-area-inset-right, 0px));
  }
  h1, h2, h3 { font-family: var(--font-display); line-height: 1.18; margin: 0; color: var(--ink); text-wrap: balance; }
  h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); }
  h3 { font-size: 1.28rem; }
  p { margin: 0; }
  .lead { font-size: 1.14rem; color: var(--muted); max-width: 62ch; }
  .eyebrow { font-size: .86rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-deep); }
  :focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
  .ph { background: var(--placeholder-bg); color: var(--placeholder-ink); padding: 0 .3em; border-radius: 4px; font-weight: 700; }

  /* ---------- Buttons ---------- */
  .btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 10px;
    font: inherit; font-weight: 800; font-size: 1.06rem; text-decoration: none; cursor: pointer;
    padding: 12px 24px; border-radius: 999px; min-height: 54px; border: 2px solid transparent;
  }
  .btn svg { flex: none; }
  .btn-gold { background: var(--gold); color: var(--gold-ink); box-shadow: 0 4px 14px rgba(0,0,0,.18); }
  .btn-gold:hover { background: #efb732; }
  .btn-navy { background: var(--navy); color: var(--on-navy); }
  .btn-navy:hover { background: #134272; }
  .btn-ghost-light { border-color: rgba(255,255,255,.85); color: var(--on-navy); background: transparent; }
  .btn-ghost-light:hover { background: rgba(255,255,255,.1); }
  .btn-ghost { border-color: var(--heading-accent); color: var(--heading-accent); background: transparent; }
  .btn-small { font-size: .98rem; padding: 8px 18px; min-height: 46px; }

  /* ---------- Utility bar + header ---------- */
  .util { background: var(--navy-deep); color: var(--on-navy-muted); font-size: .92rem; }
  .util .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 6px 20px; padding-block: 7px; }
  .util a { color: var(--on-navy); font-weight: 700; text-decoration: none; }
  header.site {
    position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
    background: var(--navy); color: var(--on-navy); box-shadow: 0 2px 14px rgba(0,0,0,.22);
  }
  .site-inner { display: flex; align-items: center; gap: 14px 22px; flex-wrap: wrap; padding-block: 12px; }
  .brand { margin-right: auto; line-height: 1.2; text-decoration: none; display: flex; align-items: center; gap: 12px; }
  .brand-mark {
    width: 44px; height: 44px; border-radius: 50%; background: var(--gold); color: var(--gold-ink);
    display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; flex: none;
  }
  .brand .name { font-family: var(--font-display); font-weight: 700; font-size: 1.25rem; color: var(--on-navy); }
  .brand .role { font-size: .82rem; color: var(--on-navy-muted); }
  nav.main { display: flex; gap: 4px 20px; flex-wrap: wrap; }
  nav.main a { color: var(--on-navy); text-decoration: none; font-weight: 700; font-size: .98rem; padding: 6px 0; border-bottom: 2px solid transparent; }
  nav.main a:hover { border-bottom-color: var(--gold); }
  .lang-switch { display: flex; border: 2px solid rgba(255,255,255,.45); border-radius: 999px; overflow: hidden; flex: none; }
  .lang-switch button {
    appearance: none; border: 0; background: transparent; color: #dce9f5; font: inherit;
    font-size: .92rem; font-weight: 800; padding: 6px 13px; cursor: pointer; min-height: 40px;
  }
  .lang-switch button[aria-pressed="true"] { background: var(--gold); color: var(--gold-ink); }

  /* ---------- Hero ---------- */
  .hero { background: var(--navy); color: var(--on-navy); position: relative; overflow: hidden; }
  .hero::after {
    content: ""; position: absolute; right: -180px; top: -180px; width: 520px; height: 520px; border-radius: 50%;
    border: 70px solid rgba(227,168,28,.08); pointer-events: none;
  }
  .hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; padding-block: 52px 60px; position: relative; z-index: 1; }
  .hero .eyebrow { color: var(--gold); margin-bottom: 14px; }
  .hero h1 { color: var(--on-navy); font-size: clamp(2.1rem, 4.8vw, 3.3rem); margin-bottom: 18px; }
  .hero h1 em { font-style: normal; color: var(--gold); }
  .hero .lead { color: var(--on-navy-muted); }
  .hero .lead strong { color: var(--on-navy); }
  .hero-photo { position: relative; }
  .hero-photo img { width: 100%; border-radius: var(--radius); aspect-ratio: 4 / 5; object-fit: cover; object-position: center 30%; box-shadow: 0 20px 50px rgba(0,0,0,.35); }
  .photo-badge {
    position: absolute; left: -18px; bottom: 26px; background: var(--card); color: var(--ink);
    border-radius: 12px; padding: 12px 16px; box-shadow: var(--shadow); font-size: .92rem; line-height: 1.35; max-width: 250px;
  }
  .photo-badge strong { display: block; font-family: var(--font-display); font-size: 1.05rem; color: var(--heading-accent); }
  .deadline {
    display: flex; gap: 14px; align-items: flex-start;
    background: rgba(255,255,255,.08); border: 1.5px solid rgba(227,168,28,.55);
    border-radius: var(--radius); padding: 15px 18px; margin-block: 24px; font-size: 1rem; max-width: 580px;
  }
  .deadline svg { flex: none; margin-top: 3px; }
  .deadline strong { color: var(--gold); }
  .hero-actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
  .hero-enroll { margin-top: 18px; font-size: 1rem; }
  .hero-enroll a { color: var(--gold); font-weight: 700; }
  .hero-checks { list-style: none; margin: 24px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: .95rem; color: var(--on-navy-muted); }
  .hero-checks li { display: flex; align-items: center; gap: 8px; }
  .hero-checks svg { color: var(--gold); flex: none; }

  /* ---------- Value props ---------- */
  .values { background: var(--surface); border-bottom: 1px solid var(--line); }
  .values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; padding-block: 40px; }
  .value { display: grid; grid-template-columns: 52px 1fr; gap: 4px 16px; align-items: start; }
  .value .ic { grid-row: span 2; width: 52px; height: 52px; border-radius: 12px; background: var(--navy); color: var(--gold); display: grid; place-items: center; }
  .value h3 { font-size: 1.15rem; }
  .value p { color: var(--muted); font-size: 1rem; }

  /* ---------- Sections ---------- */
  section.block { padding-block: 72px; }
  section.alt { background: var(--surface); }
  .section-head { max-width: 740px; margin-bottom: 36px; display: grid; gap: 12px; }

  .paths { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
  .path {
    background: var(--card); border: 1.5px solid var(--line); border-radius: var(--radius);
    padding: 26px 22px 22px; display: flex; flex-direction: column; gap: 12px; min-width: 0;
  }
  .path .ic { width: 56px; height: 56px; border-radius: 50%; background: var(--surface-2); color: var(--heading-accent); display: grid; place-items: center; }
  .path p { color: var(--muted); font-size: 1rem; flex: 1; }
  .path a.more { font-weight: 800; color: var(--link); text-decoration: none; display: inline-flex; gap: 6px; align-items: center; }
  .path a.more:hover { text-decoration: underline; }

  .split { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
  .split > * { min-width: 0; }
  .split .photo img { width: 100%; border-radius: var(--radius); box-shadow: var(--shadow); aspect-ratio: 1 / 1; object-fit: cover; }
  .split .stack { display: grid; gap: 16px; justify-items: start; }
  .checklist { list-style: none; margin: 6px 0 10px; padding: 0; display: grid; gap: 16px; }
  .checklist li { display: flex; gap: 13px; align-items: flex-start; font-size: 1.04rem; }
  .checklist .tick { flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--gold); color: var(--gold-ink); display: grid; place-items: center; margin-top: 2px; }
  .checklist strong { display: block; }

  .compare { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
  .panel { background: var(--card); border: 1.5px solid var(--line); border-radius: var(--radius); padding: 26px; display: grid; gap: 6px; align-content: start; min-width: 0; }
  .panel .tag { justify-self: start; font-size: .8rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; background: var(--surface-2); color: var(--heading-accent); border-radius: 999px; padding: 3px 11px; }
  .panel .aka { color: var(--muted); font-size: .95rem; margin-bottom: 8px; }
  .panel ul { margin: 0; padding-left: 21px; display: grid; gap: 8px; font-size: 1rem; }
  .compare-note { margin-top: 24px; font-size: 1.05rem; max-width: 72ch; }

  .steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; counter-reset: step; }
  .step { display: grid; gap: 10px; align-content: start; }
  .step .num {
    width: 58px; height: 58px; border-radius: 50%; border: 3px solid var(--gold); color: var(--heading-accent);
    display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; font-size: 1.6rem;
  }
  .step p { color: var(--muted); font-size: 1rem; }
  .steps-cta { margin-top: 34px; }

  .table-scroll { overflow-x: auto; border: 1.5px solid var(--line); border-radius: var(--radius); background: var(--card); }
  table.vs { width: 100%; min-width: 640px; border-collapse: collapse; font-size: 1rem; }
  table.vs th, table.vs td { padding: 15px 18px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
  table.vs tr:last-child td { border-bottom: 0; }
  table.vs thead th { font-family: var(--font-display); font-size: 1.05rem; background: var(--surface); }
  table.vs tbody th { font-weight: 700; width: 22%; }
  table.vs .me { background: color-mix(in srgb, var(--gold) 16%, var(--card)); font-weight: 700; }
  table.vs thead .me { background: var(--gold); color: var(--gold-ink); }
  .tbl-note { margin-top: 16px; color: var(--muted); font-size: .98rem; max-width: 76ch; }

  .numbers { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
  .number-card { border-top: 5px solid var(--gold); padding-top: 20px; display: grid; gap: 10px; align-content: start; }
  .number-card .big { font-family: var(--font-display); font-weight: 700; font-size: clamp(2.3rem, 4vw, 3.1rem); color: var(--heading-accent); line-height: 1; font-variant-numeric: tabular-nums; }
  .number-card p { color: var(--muted); font-size: 1rem; }
  .numbers-note { margin-top: 26px; color: var(--muted); font-size: .98rem; max-width: 76ch; }

  .about { display: grid; grid-template-columns: 220px 1fr; gap: 44px; align-items: start; }
  .about > * { min-width: 0; }
  .about .portrait img { width: 100%; max-width: 220px; aspect-ratio: 1 / 1; object-fit: cover; border-radius: 50%; border: 5px solid var(--gold); }
  .about .text { display: grid; gap: 14px; }
  .creds { list-style: none; margin: 6px 0 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 26px; }
  .creds li { display: flex; gap: 10px; align-items: flex-start; font-weight: 600; font-size: 1rem; }
  .creds svg { flex: none; margin-top: 4px; color: var(--gold-deep); }

  .faq { max-width: 860px; }
  .faq details { border-top: 1px solid var(--line); }
  .faq details:last-child { border-bottom: 1px solid var(--line); }
  .faq summary { cursor: pointer; font-weight: 700; font-size: 1.12rem; padding: 18px 4px; list-style: none; display: flex; justify-content: space-between; gap: 16px; align-items: center; }
  .faq summary::-webkit-details-marker { display: none; }
  .faq summary::after { content: "+"; font-size: 1.6rem; font-weight: 400; color: var(--gold-deep); flex: none; line-height: 1; }
  .faq details[open] summary::after { content: "\2013"; }
  .faq details p { padding: 0 4px 20px; color: var(--muted); max-width: 70ch; }

  /* ---------- Contact ---------- */
  .contact { background: var(--navy); color: var(--on-navy); }
  .contact h2 { color: var(--on-navy); }
  .contact .lead { color: var(--on-navy-muted); }
  .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: start; }
  .contact-grid > * { min-width: 0; }
  .contact-info { display: grid; gap: 22px; }
  .big-phone { font-family: var(--font-display); font-size: clamp(2rem, 4.4vw, 2.8rem); font-weight: 700; color: var(--on-navy); text-decoration: none; display: inline-block; }
  .big-email { color: var(--gold); font-weight: 700; font-size: 1.08rem; overflow-wrap: anywhere; }
  .lbl { font-size: .86rem; color: var(--on-navy-muted); font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
  form.callback { background: var(--card); color: var(--ink); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); display: grid; gap: 15px; }
  form.callback h3 { font-size: 1.4rem; }
  form.callback label { display: grid; gap: 6px; font-weight: 700; font-size: .98rem; }
  form.callback input, form.callback select, form.callback textarea {
    font: inherit; font-size: 1.02rem; padding: 12px 14px; min-height: 52px;
    border: 1.5px solid var(--line); border-radius: 10px; background: var(--bg); color: var(--ink); width: 100%;
  }
  form.callback textarea { min-height: 92px; resize: vertical; }
  form.callback .row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
  .form-note { font-size: .92rem; color: var(--muted); }
  .form-done { background: var(--surface); border-radius: 10px; padding: 14px 16px; font-size: .98rem; }

  /* ---------- Footer ---------- */
  footer { background: var(--navy-deep); color: var(--on-navy-muted); padding-block: 48px 120px; font-size: .94rem; }
  footer .foot-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 36px; }
  footer .disclaimer { display: grid; gap: 12px; max-width: 80ch; }
  footer .disclaimer .ph { font-weight: 800; }
  footer a { color: var(--on-navy); }
  footer .foot-contact { display: grid; gap: 6px; align-content: start; }
  footer .foot-contact strong { color: var(--on-navy); font-family: var(--font-display); font-size: 1.15rem; }
  footer .foot-line { margin-top: 28px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.2); display: flex; flex-wrap: wrap; gap: 8px 28px; justify-content: space-between; }

  /* ---------- Sticky mobile call bar ---------- */
  .sticky-call {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: var(--navy-deep);
    padding: 10px max(14px, env(safe-area-inset-right, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)) max(14px, env(safe-area-inset-left, 0px));
    display: none; box-shadow: 0 -4px 18px rgba(0,0,0,.3); transform: translateY(110%); transition: transform .25s ease;
  }
  .sticky-call.show { transform: none; }
  .sticky-call a { width: 100%; }

  @media (max-width: 1360px) {
    .site-inner > .btn { display: none; }
  }
  @media (max-width: 1000px) {
    nav.main { display: none; }
    .paths { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 860px) {
    .hero-grid, .split, .contact-grid, footer .foot-grid { grid-template-columns: 1fr; }
    .hero-grid { gap: 34px; padding-block: 38px 46px; }
    .hero-photo img { aspect-ratio: 4 / 3.4; }
    .photo-badge { left: 12px; bottom: 12px; }
    .values-grid, .compare, .steps, .numbers { grid-template-columns: 1fr; }
    .about { grid-template-columns: 1fr; }
    .about .portrait img { max-width: 170px; }
    .creds { grid-template-columns: 1fr; }
    section.block { padding-block: 52px; }
    .sticky-call { display: block; }
    .site-inner > .btn { display: none; }
    .split .photo { order: -1; }
  }
  @media (max-width: 560px) {
    body { font-size: 18px; }
    .paths { grid-template-columns: 1fr; }
    form.callback .row2 { grid-template-columns: 1fr; }
    .brand .role { display: none; }
    .util .util-lang { display: none; }
    .hero-actions .btn { width: 100%; }
  }
  @media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .sticky-call { transition: none; }
  }

[hidden] { display: none !important; }
nav.main a[aria-current="page"] { border-bottom-color: var(--gold); }
.page-head { background: var(--navy); color: var(--on-navy); }
.page-head .wrap { padding-block: 44px 48px; display: grid; gap: 12px; }
.page-head h1 { color: var(--on-navy); font-size: clamp(2rem, 4.4vw, 2.9rem); }
.page-head .lead { color: var(--on-navy-muted); }
.page-head .eyebrow { color: var(--gold); }
.guides { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.guide { background: var(--card); border: 1.5px solid var(--line); border-radius: var(--radius); padding: 26px; display: grid; gap: 12px; align-content: start; }
.guide .tag { justify-self: start; font-size: .8rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; background: var(--surface-2); color: var(--heading-accent); border-radius: 999px; padding: 3px 11px; }
.guide p { color: var(--muted); font-size: 1rem; }
.guide ul { margin: 0; padding-left: 20px; color: var(--muted); font-size: 1rem; display: grid; gap: 4px; }
.dl-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 6px; }
.dl-row .btn { min-height: 48px; padding: 8px 18px; font-size: .98rem; }
.dl-note { font-size: .9rem; color: var(--muted); }
.cta-band { background: var(--surface); border: 1.5px solid var(--line); border-radius: var(--radius); padding: 26px; display: flex; flex-wrap: wrap; gap: 16px 28px; align-items: center; justify-content: space-between; margin-top: 40px; }
.cta-band h2 { font-size: 1.5rem; }
.cta-band p { color: var(--muted); }
.cta-band .acts { display: flex; flex-wrap: wrap; gap: 12px; }
.post-list { display: grid; gap: 18px; max-width: 860px; }
.post-card { display: grid; gap: 8px; padding: 22px 24px; background: var(--card); border: 1.5px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); }
.post-card:hover { border-color: var(--gold); }
.post-card h2 { font-size: 1.35rem; }
.post-card p { color: var(--muted); font-size: 1rem; }
.post-date { font-size: .88rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--gold-deep); }
.empty { color: var(--muted); }
article.post { max-width: 720px; display: grid; gap: 16px; }
article.post h1 { font-size: clamp(1.9rem, 4vw, 2.6rem); }
article.post h2 { font-size: 1.4rem; margin-top: 10px; }
article.post p, article.post li { font-size: 1.05rem; }
article.post ul, article.post ol { margin: 0; padding-left: 24px; display: grid; gap: 6px; }
.post-sources { font-size: .92rem; color: var(--muted); }
.post-sources a { overflow-wrap: anywhere; }
.back { font-weight: 700; text-decoration: none; }
footer .disclaimer p { margin: 0; }
@media (max-width: 860px) { .guides { grid-template-columns: 1fr; } }