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*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--ivory);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.6;font-synthesis:none}a{color:inherit}button,input{font:inherit}h1,h2,h3,p{margin:0}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.08}h1{font-size:clamp(4.1rem,8vw,8.5rem);letter-spacing:-.035em}h2{font-size:clamp(2.6rem,4.4vw,4.7rem);letter-spacing:-.025em}h3{font-size:2rem}p{max-width:65ch}a,button{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--sand);outline-offset:6px}.skip-link{position:fixed;top:-80px;left:20px;z-index:1000;background:var(--ivory);color:var(--blue);padding:12px}.skip-link:focus{top:16px}
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/* Chapter layout and restrained editorial motion. */
.vat-row{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:5px 14px;margin-top:15px;color:var(--muted);font-size:.9rem}.vat-row output{color:var(--blue);font-size:1.08rem;white-space:nowrap;font-variant-numeric:tabular-nums}.total-label{font-size:.9rem;color:var(--muted);margin-top:22px}.total{font-size:1.4rem;color:var(--blue);display:block;margin-top:4px;white-space:nowrap;font-variant-numeric:tabular-nums}@media(max-width:700px){.vat-row,.total-label{font-size:.8rem}.vat-row{gap:5px;margin-top:14px}.vat-row output{font-size:1rem}.total{font-size:1.14rem}.total-label{margin-top:20px}}
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html{scroll-padding-top:98px}.chapter{scroll-margin-top:0;display:flex;flex-direction:column;justify-content:center;padding:138px max(7vw,24px) 125px}.site-header{position:fixed;padding-top:12px;padding-bottom:12px;transition:background .4s,color .4s,box-shadow .4s;pointer-events:none}.site-header>*{pointer-events:auto}.site-header.is-light{color:var(--blue);background:rgba(248,246,241,.96);box-shadow:0 1px 0 rgba(12,60,82,.07)}.site-header.is-dark:not(.at-start){background:rgba(12,60,82,.95)}.brand{width:156px}.site-header nav{align-items:center}.motion-control{border:1px solid rgba(255,255,255,.45);background:transparent;color:inherit;cursor:pointer;width:40px;height:40px;border-radius:50%;font-size:1rem;line-height:1}.is-light .motion-control{border-color:var(--line)}.site-header a:not(.brand):hover{text-decoration:underline;text-underline-offset:6px}.hero{padding-top:170px}.hero-copy{max-width:900px;width:100%;margin-right:auto}.hero h1{font-size:clamp(4.4rem,8.5vw,8.3rem)}.hero-intro{font-size:clamp(1.1rem,1.7vw,1.5rem)}.hero-caption{bottom:98px}.hero-image{transform:scale(1.035)}html.enhanced .hero.is-visible .hero-image{animation:photo-settle 6s cubic-bezier(.2,.55,.25,1) both}.hero-shade{background:linear-gradient(90deg,rgba(4,28,38,.88),rgba(4,28,38,.45) 60%,rgba(4,28,38,.12)),linear-gradient(0deg,rgba(4,28,38,.36),transparent 40%)}
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.approach{display:grid;grid-template-columns:1fr 1fr;gap:7vw;align-items:center}.approach-photo{height:min(65vh,690px);min-height:400px;position:relative;overflow:hidden}.approach-photo img{width:100%;height:100%;object-fit:cover;object-position:44% 50%;display:block}.approach-photo span{position:absolute;left:24px;bottom:22px;color:white;font-size:.9rem;text-shadow:0 1px 8px #000}.approach-copy h2{color:var(--blue);margin-bottom:28px}.approach-copy>p:not(.eyebrow):not(.signature){margin-top:22px}.approach-copy .lead{font-size:1.35rem}.signature{font-family:var(--serif);font-size:1.8rem;color:var(--blue);margin-top:30px}.service-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px 7vw}.service{display:grid;grid-template-columns:40px 1fr;gap:18px;padding-top:24px;border-top:1px solid var(--line)}.service-index{font-family:var(--serif);color:#8c7858;font-size:1.5rem}.service h3{font-size:clamp(1.7rem,2.4vw,2.4rem);color:var(--blue);margin-bottom:18px}.service p{font-size:1.07rem;line-height:1.65}.service a{text-decoration-thickness:1px;text-underline-offset:4px}sup{font-size:.7em}
.formulas{background:var(--blue);color:var(--ivory)}.formulas .eyebrow{color:var(--sand)}.formula-top{display:flex;gap:35px;justify-content:space-between;align-items:flex-end;margin-bottom:55px}.formula-top h2{font-size:clamp(2.4rem,3.7vw,3.9rem)}.formula-tabs{display:flex;flex-shrink:0;gap:2px;padding:4px;border:1px solid rgba(200,179,143,.5);border-radius:3px}.formula-tabs button{background:transparent;border:0;color:var(--ivory);cursor:pointer;min-width:122px;padding:12px 18px;border-radius:1px;font-family:var(--serif);font-size:1.65rem;line-height:1.2;transition:background .25s,color .25s}.formula-tabs button span{display:block;font-family:var(--sans);font-size:.8rem;margin-top:6px}.formula-tabs [aria-selected=true]{background:var(--ivory);color:var(--blue)}.formula-panel{display:grid;grid-template-columns:30% 1fr;gap:6vw;align-items:start;min-height:330px}.formula-panel[hidden]{display:none}.formula-panel.is-selected{animation:panel-enter .5s cubic-bezier(.2,.6,.3,1)}.formula-identity .large-rate{color:var(--ivory);font-size:clamp(7rem,12vw,12rem);margin-bottom:12px;line-height:.9}.formula-kind{font-size:1.2rem;margin-top:25px}.formula-for{font-size:1rem;line-height:1.5;max-width:25ch;color:#dfd7ca;margin-top:18px}.formula-description h3{font-size:clamp(2.4rem,4.5vw,4.3rem);max-width:23ch;margin-bottom:26px}.formula-description .lead{font-size:clamp(1.14rem,1.55vw,1.45rem);max-width:58ch}.responsibility{border-top:1px solid rgba(200,179,143,.3);margin-top:30px;padding-top:25px}.responsibility .eyebrow{margin-bottom:12px}.responsibility>p:last-child{font-size:1.03rem;max-width:61ch}.formula-bottom{display:flex;justify-content:space-between;gap:45px;border-top:1px solid rgba(200,179,143,.3);margin-top:38px;padding-top:24px;font-size:.88rem;color:#dfd7ca}.formula-bottom p{max-width:72ch}.formula-bottom a{flex-shrink:0;text-underline-offset:5px}
.table-wrap{overflow-x:auto;max-width:100%}table{border-collapse:collapse;width:100%;font-size:1.02rem;min-width:680px;text-align:left}th{font-weight:400}thead th{padding:18px 25px 24px;border-bottom:1px solid var(--sand);color:var(--blue);vertical-align:bottom}thead th:first-child{width:44%;font-size:1rem}.table-rate{display:block;font-family:var(--serif);font-size:3.25rem;line-height:1.2;margin-bottom:4px}tbody th,tbody td{padding:22px 25px;border-bottom:1px solid var(--line);line-height:1.45}tbody th{color:var(--muted)}td,th{transition:background .4s}.selected-col{background:rgba(200,179,143,.13)}.owner{background:#eeebe3;display:grid;grid-template-columns:1fr 1.15fr;gap:8vw;align-items:center}.owner-heading{align-self:start}.owner h2{color:var(--blue)}.brand-symbol{display:block;width:min(75%,320px);height:auto;object-fit:contain;margin-top:55px}.owner-points{display:grid;gap:0}.owner-points article{display:flex;gap:22px;padding:29px 0;border-bottom:1px solid #d7d3c8}.owner-points article:first-child{padding-top:0}.owner-points article>span{font-size:.85rem;color:#796b55;padding-top:6px}.owner-points h3{font-size:2.05rem;color:var(--blue);margin-bottom:17px}.owner-points p{font-size:1.12rem;line-height:1.6}
.economics{padding-top:135px}.calculator{display:grid;grid-template-columns:1.05fr 1fr 1fr;border-block:1px solid var(--sand)}.amount-entry,.calculation{padding:32px 30px}.amount-entry{padding-left:0}.amount-entry label{display:block;font-size:1rem;color:var(--muted)}.amount-input{display:flex;align-items:center;gap:12px;border-bottom:1px solid var(--blue);margin-top:20px;max-width:290px;font-family:var(--serif);font-size:2.3rem;color:var(--blue)}.amount-input input{font-family:inherit;font-size:inherit;color:inherit;width:100%;min-width:0;background:transparent;border:0;outline-offset:2px;padding:8px 0}.amount-entry>p{font-size:.84rem;margin-top:16px;max-width:28ch;color:var(--muted)}.amount-entry .input-error{color:#9b3428}.calculation{border-left:1px solid var(--line)}.calculation h3{font-size:2.1rem;color:var(--blue);margin-bottom:21px}.calculation h3 span{font-family:var(--sans);font-size:.98rem}.calc-label,.residual-label{font-size:.9rem;color:var(--muted)}.fee{font-family:var(--serif);font-size:clamp(2.25rem,3.5vw,3.8rem);line-height:1.25;color:var(--blue);display:block;white-space:nowrap;font-variant-numeric:tabular-nums}.residual-label{margin-top:25px}.residual{font-size:1.3rem;display:block;margin-top:6px;font-variant-numeric:tabular-nums}.economic-note{font-size:.93rem;max-width:100%;color:var(--muted);margin-top:25px}.exclusions{border-bottom:1px solid var(--line);margin-top:30px}.exclusions summary{padding:19px 4px;color:var(--blue);font-size:1.1rem;cursor:pointer}.exclusion-grid{display:grid;grid-template-columns:1fr 1fr;gap:7vw;padding:24px 0 34px}.exclusion-grid h3{font-size:1.8rem;margin-bottom:18px;color:var(--blue)}.exclusion-grid p{font-size:1rem}.exclusion-grid p+p{margin-top:16px}
.start{display:grid;grid-template-columns:.9fr 1.1fr;gap:7vw;align-items:center;background:var(--blue);color:var(--ivory)}.start .eyebrow{color:var(--sand)}.timing{margin-top:55px;max-width:31ch}.timing p{font-family:var(--serif);font-size:2.5rem;margin-bottom:16px}.timing span{font-size:.95rem;color:#dfd7ca;line-height:1.6}.start-steps{list-style:none;counter-reset:steps;margin:0;padding:0}.start-steps li{counter-increment:steps;padding:26px 0 26px 57px;border-bottom:1px solid rgba(200,179,143,.25);position:relative}.start-steps li:first-child{padding-top:0}.start-steps li:before{content:'0' counter(steps);position:absolute;left:0;top:30px;color:var(--sand);font-family:var(--serif);font-size:1.5rem}.start-steps li:first-child:before{top:5px}.start-steps h3{font-size:2rem;margin-bottom:14px}.start-steps p{font-size:1.05rem;color:#e5e3dd}
.contact{background:var(--ivory);color:var(--blue);gap:0;align-items:stretch}.contact .eyebrow{color:var(--muted)}.contact h2{max-width:none;font-size:clamp(2.6rem,4.5vw,4.8rem)}.contact>.lead{margin-top:26px;color:var(--muted);max-width:70ch;font-size:1.3rem}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:8vw;margin-top:65px}.contact-name{font-family:var(--serif);font-size:2.1rem}.phone{font-size:1.6rem;display:block;text-decoration:none;margin-top:16px}.contact .button{margin-top:30px}.contact-links{display:flex;flex-direction:column;align-items:flex-start;justify-content:center;gap:20px}.contact-links a{font-size:1.07rem;text-decoration:underline;text-decoration-color:var(--sand);text-underline-offset:6px;overflow-wrap:anywhere}.contact .small-note{margin-top:65px;font-size:.82rem}
.presentation-bar{position:fixed;z-index:50;bottom:0;left:0;width:100%;display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:70px;padding:12px 5vw 16px;background:rgba(248,246,241,.97);color:var(--blue);border-top:1px solid rgba(12,60,82,.14);backdrop-filter:blur(12px);transition:background .4s,color .4s}.presentation-bar.is-dark{background:rgba(12,60,82,.97);color:var(--ivory);border-top-color:rgba(200,179,143,.25)}.chapter-info{display:flex;align-items:center;gap:10px;font-size:.9rem}.bar-separator{opacity:.55}.current-title{margin-left:20px}.chapter-dots{display:flex;align-items:center;gap:3px}.chapter-dots a{display:flex;justify-content:center;align-items:center;width:29px;height:30px}.chapter-dots a:before{content:'';width:5px;height:5px;border-radius:50%;background:currentColor;opacity:.35;transition:width .3s,opacity .3s}.chapter-dots a[aria-current=step]:before{width:19px;border-radius:4px;opacity:1}.chapter-controls{display:flex;gap:28px}.chapter-controls button{font:inherit;font-size:.92rem;border:0;background:transparent;color:inherit;padding:8px 0;cursor:pointer;min-height:40px}.chapter-controls button:disabled{opacity:.35;cursor:default}.chapter-controls button:not(:disabled):hover{text-decoration:underline;text-underline-offset:5px}.progress-line{position:absolute;bottom:0;left:0;width:100%;height:3px;background:rgba(200,179,143,.15)}.progress-line span{display:block;background:var(--sand);width:11.111%;height:100%;transition:width .5s ease}
html.enhanced .reveal{opacity:0;transform:translateY(24px);transition:opacity .8s ease var(--delay,0ms),transform .8s cubic-bezier(.2,.65,.3,1) var(--delay,0ms)}html.enhanced .reveal.is-revealed{opacity:1;transform:none}html.reduced-motion .reveal{opacity:1!important;transform:none!important;transition:none!important}html.reduced-motion{scroll-behavior:auto}html.reduced-motion *,html.reduced-motion *:before,html.reduced-motion *:after{animation:none!important;transition:none!important}.fee.is-updated{animation:amount-change .35s ease}.formula-tabs button:hover:not([aria-selected=true]){background:rgba(255,255,255,.08)}
@keyframes photo-settle{from{transform:scale(1.075)}to{transform:scale(1.01)}}@keyframes panel-enter{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}@keyframes amount-change{from{opacity:.4;transform:translateY(5px)}to{opacity:1;transform:none}}
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