:root{--navy:#071b33;--navy2:#0c2947;--green:#245a3c;--sage:#4f7c62;--cream:#f7f6f1;--paper:#fff;--line:#dfe4df;--ink:#14202d;--muted:#66716d;--soft:#eaf0eb}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:var(--cream);line-height:1.62}h1,h2{font-family:Georgia,'Times New Roman',serif;line-height:1.02;letter-spacing:-.035em;margin:.18em 0 .42em}h1{font-size:clamp(3.6rem,6.4vw,6.8rem);max-width:850px}h2{font-size:clamp(2.4rem,4.1vw,4.5rem)}h3{line-height:1.2;margin:.45em 0}a{color:inherit;text-decoration:none}.eyebrow{font-size:11px;font-weight:800;letter-spacing:.21em;color:var(--sage);margin:0 0 18px}.button,.ghost{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:4px;font-size:13px;font-weight:750;transition:.2s}.button{background:var(--green);color:white;border:1px solid var(--green)}.button:hover{background:#19482e}.ghost{border:1px solid #b8c1bc}.ghost:hover{border-color:var(--green)}header{height:88px;display:flex;align-items:center;gap:28px;padding:0 5vw;background:rgba(247,246,241,.97);backdrop-filter:blur(12px);position:sticky;top:0;z-index:20;border-bottom:1px solid #e7e6e0}.brand{display:flex;align-items:center;gap:12px;color:var(--navy)}.mark{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:white;font-family:Georgia;font-weight:700;font-size:14px;letter-spacing:-.04em}.brandtext{font-family:Georgia;font-weight:700;font-size:20px;letter-spacing:.05em;line-height:1}.brandtext b{color:var(--green)}.brandtext small{display:block;font-family:Arial;font-size:7px;letter-spacing:.19em;margin-top:7px;font-weight:400}nav{display:flex;gap:21px;margin-left:auto;font-size:12px}.actions{display:flex;gap:9px}.hero{min-height:780px;display:grid;grid-template-columns:1.08fr .92fr;align-items:center;padding:7vw 6vw;gap:5vw;background:linear-gradient(135deg,#faf9f5 0%,#f4f5f0 100%)}.hero h1 em{color:var(--green);font-style:normal}.lead{font-size:22px;line-height:1.45;max-width:720px}.sublead{max-width:650px;color:var(--muted);font-size:16px}.heroBtns{display:flex;gap:10px;margin-top:30px}.heroMeta{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:22px;color:#65716b;font-size:11px}.heroMeta span:before{content:'✓';color:var(--green);font-weight:bold;margin-right:6px}.toolkitCard{background:white;border:1px solid #e0e5e0;border-radius:14px;padding:28px;box-shadow:0 35px 80px rgba(7,27,51,.10)}.toolkitTop{display:flex;justify-content:space-between;align-items:end;border-bottom:1px solid var(--line);padding-bottom:18px;font-size:12px;font-weight:800;letter-spacing:.12em}.toolkitTop .mini{font-weight:400;letter-spacing:0;color:var(--muted);font-size:11px}.toolgrid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}.tool{padding:22px;border-radius:8px;background:#f4f4ef;display:grid;grid-template-columns:42px 1fr;align-items:center;column-gap:12px}.tool i{grid-row:1/3;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:white;color:var(--navy);font-style:normal;font-size:20px}.tool strong{font-family:Georgia;font-size:17px}.tool small{color:var(--muted)}.tool.featured{grid-column:1/3;background:var(--green);color:white}.tool.featured i{color:var(--green)}.tool.featured small{color:#dfeae3}.toolkitFoot{font-size:12px;color:var(--muted);padding-top:5px}.toolkitSection,.how,.faqSection,.openAccount{padding:8vw 6vw;background:white}.sectionIntro{max-width:900px}.sectionIntro>p:last-child{font-size:18px;color:var(--muted);max-width:800px}.purposeGrid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:50px}.purposeGrid article{padding:28px;background:var(--cream);border:1px solid #e5e7e2;border-radius:8px}.purposeGrid .purposeFeature{background:var(--navy);color:white}.purposeIcon{font-size:28px;color:var(--green)}.purposeFeature .purposeIcon{color:#8fc0a1}.purposeGrid p{font-size:14px;color:var(--muted)}.purposeFeature p{color:#bdc9c3}.riskLine{font-size:11px;color:var(--muted);margin-top:25px}.dimension{display:grid;grid-template-columns:.9fr 1.1fr;gap:7vw;padding:8vw 6vw;align-items:center}.dimensionCopy>p:not(.eyebrow):not(.note){font-size:18px}.plainPoints{display:grid;gap:10px;margin:28px 0}.plainPoints div{display:grid;grid-template-columns:75px 1fr;align-items:center;padding:13px 0;border-top:1px solid var(--line)}.plainPoints b{color:var(--green);font-size:11px;letter-spacing:.15em}.plainPoints span{font-size:14px}.note{font-size:11px!important;color:var(--muted)!important}.rangeVisual{background:var(--navy);color:white;border-radius:12px;padding:34px;box-shadow:0 30px 70px rgba(7,27,51,.12)}.rangeTitle{font-size:11px;letter-spacing:.16em;color:#9cc2aa;margin-bottom:28px}.rangeBox{display:grid;grid-template-columns:.75fr 2fr .75fr;height:190px;align-items:stretch}.rangeBox>div{display:flex;align-items:center;justify-content:center;text-align:center;font-size:11px}.danger{background:#112d4a;color:#9baaba}.safe{background:linear-gradient(90deg,#234b3b,#2f6749,#234b3b);position:relative;flex-direction:column;gap:18px}.safe:before,.safe:after{content:'';position:absolute;top:0;bottom:0;width:2px;background:#b7d1c0}.safe:before{left:0}.safe:after{right:0}.marketDot{padding:8px 12px;border-radius:20px;background:white;color:var(--navy);font-weight:800;font-size:9px;letter-spacing:.12em}.rangeExplain{display:grid;grid-template-columns:.75fr 2fr .75fr;text-align:center;font-size:9px;color:#9fb0ba;margin-top:10px}.rangeVisual>p{font-size:12px;color:#c5d0cb;margin-top:25px}.how{background:#f3f3ee}.steps{max-width:980px;margin:50px auto 0}.steps article{display:grid;grid-template-columns:70px 1fr;gap:22px;padding:25px 0;border-top:1px solid #d7dcd7}.steps>article>span{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--green);color:white;font-family:Georgia}.steps h3{font-family:Georgia;font-size:23px}.steps p{color:var(--muted);margin-top:4px}.dark{background:var(--navy);color:white;padding:8vw 6vw}.darkHead{max-width:850px}.darkHead .eyebrow{color:#8fc0a1}.darkHead>p:last-child{font-size:18px;color:#c5d0cb}.process{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;margin-top:55px}.process article{border-top:1px solid #52715f;padding:22px 4px}.process span{font-size:10px;letter-spacing:.14em;color:#8fc0a1}.process h3{font-family:Georgia;font-size:25px}.process p{font-size:13px;color:#bdc9c3}.darkNote{font-size:11px;color:#9fafa7;margin-top:35px;max-width:1000px}.transparency{display:grid;grid-template-columns:1fr 1fr;gap:7vw;padding:8vw 6vw;background:white;align-items:center}.transparency>div:first-child>p:not(.eyebrow){font-size:17px;color:var(--muted)}.textLink{display:inline-block;margin-top:16px;color:var(--green);font-weight:700;font-size:13px}.accountDiagram{background:#f2f4ef;padding:35px;border-radius:10px;text-align:center}.personNode,.brokerNode,.nodeRow>div{background:white;border:1px solid #d7ded8;border-radius:7px;padding:18px;font-weight:800;font-size:12px;letter-spacing:.08em}.brokerNode{background:var(--navy);color:white}.accountDiagram small{display:block;font-weight:400;letter-spacing:0;color:#6c7771;margin-top:4px}.brokerNode small{color:#c1cec7}.connector{font-size:20px;color:var(--green);padding:8px}.nodeRow{display:grid;grid-template-columns:1fr 1fr;gap:14px}.pricing{display:grid;grid-template-columns:.8fr 1.2fr;gap:8vw;padding:8vw 6vw;align-items:center}.pricePanel{text-align:left}.price{display:flex;align-items:end;gap:8px;color:var(--green);margin:25px 0}.price strong{font-family:Georgia;font-size:80px;line-height:.8}.price span{font-size:14px}.min{margin-bottom:28px}.feeDisclosure{background:white;border:1px solid #dce0db;border-radius:8px;padding:30px;font-size:13px;box-shadow:0 20px 50px rgba(7,27,51,.05)}.feeDisclosure strong{font-size:14px}.about{display:grid;grid-template-columns:.72fr 1.28fr;gap:7vw;padding:8vw 6vw;background:#ecece6;align-items:center}.portraitWrap{position:relative;max-width:460px}.portraitWrap img{width:100%;display:block;border-radius:8px;box-shadow:0 30px 60px rgba(7,27,51,.12)}.portraitTag{position:absolute;left:20px;right:20px;bottom:20px;background:rgba(7,27,51,.94);color:white;padding:16px 18px;border-radius:6px}.portraitTag strong{display:block;font-family:Georgia;font-size:20px}.portraitTag span{font-size:11px;color:#c3d0c9}.aboutCopy>p:not(.eyebrow){font-size:16px;color:#56625d}.credentials{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:30px}.credentials span{background:white;padding:15px;border-radius:6px;font-size:10px;color:#68726e}.credentials b{display:block;color:var(--navy);font-size:11px;margin-bottom:3px}.openAccount{background:white}.accountGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:45px}.accountGrid a{position:relative;padding:22px 44px 22px 22px;border:1px solid #dfe3df;border-radius:7px;background:#fafaf7;transition:.2s}.accountGrid a:hover{border-color:var(--green);transform:translateY(-2px);box-shadow:0 12px 25px rgba(7,27,51,.06)}.accountGrid b{display:block;font-family:Georgia;font-size:19px}.accountGrid span{font-size:11px;color:var(--muted)}.accountGrid i{position:absolute;right:18px;top:22px;color:var(--green);font-style:normal}.notSure{margin-top:25px;padding:18px;background:#eef3ee;font-size:13px}.notSure a{color:var(--green);font-weight:700}.faqSection{background:var(--cream)}.faq{max-width:900px;margin-top:45px}.faq details{border-top:1px solid #ccd0cc;padding:20px 0}.faq summary{font-weight:700;cursor:pointer}.faq p{color:var(--muted)}.finalCta{text-align:center;background:var(--green);color:white;padding:7vw}.finalCta .eyebrow{color:#c5dccd}.finalCta>p:not(.eyebrow){color:#dce9e1}.finalCta>div{display:flex;justify-content:center;gap:10px;margin-top:25px}.light{background:white;color:var(--green);border-color:white}.lightGhost{border-color:#aac6b4;color:white}footer{background:#05172a;color:#dfe5e1;padding:60px 6vw;display:grid;grid-template-columns:280px 230px 1fr;gap:50px}.foot{color:white}.foot .mark{background:#1f4f36}.footerBrand>p{font-size:11px;color:#aebbb5}.footerLinks{display:grid;align-content:start;gap:8px;font-size:11px}.footerLinks a{text-decoration:underline}.legal{font-size:10px;max-width:900px;color:#aebbb5}@media(max-width:1020px){nav,.actions .ghost{display:none}.actions{margin-left:auto}.hero,.dimension,.transparency,.pricing,.about{grid-template-columns:1fr}.hero{padding-top:80px}.purposeGrid,.process{grid-template-columns:1fr 1fr}.accountGrid{grid-template-columns:1fr 1fr}.portraitWrap{max-width:380px}.about{align-items:start}footer{grid-template-columns:1fr 1fr}.legal{grid-column:1/3}}@media(max-width:640px){header{padding:0 18px;height:76px}.brandtext{font-size:16px}.mark{width:36px;height:36px}.hero,.toolkitSection,.dimension,.how,.dark,.transparency,.pricing,.about,.openAccount,.faqSection{padding:70px 22px}.hero{min-height:auto}.heroBtns,.finalCta>div{flex-direction:column}.heroMeta{display:grid}.toolgrid,.purposeGrid,.process,.credentials,.accountGrid{grid-template-columns:1fr}.tool.featured{grid-column:auto}.rangeVisual{padding:20px}.rangeBox{height:150px}.rangeExplain{font-size:7px}.steps article{grid-template-columns:52px 1fr}.nodeRow{grid-template-columns:1fr}.pricing{gap:35px}.price strong{font-size:64px}.portraitWrap{max-width:none}.finalCta{padding:70px 22px}footer{grid-template-columns:1fr;padding:50px 22px}.legal{grid-column:auto}.toolkitTop{align-items:start;gap:10px;flex-direction:column}}


/* v4 readability + brand refinements */
body{font-size:16px}
.logoBrand{display:flex;align-items:center;flex:0 0 auto}
.logoBrand img{display:block;width:270px;max-width:31vw;height:auto;object-fit:contain}
footer .logoBrand{background:#fff;border-radius:8px;padding:9px 12px;width:max-content;max-width:100%}
footer .logoBrand img{width:245px;max-width:100%}
nav{font-size:14px}
.button,.ghost{font-size:14px}
.eyebrow{font-size:13px}
.sublead{font-size:17px}
.heroMeta{font-size:14px}
.toolkitTop{font-size:14px}
.toolkitTop .mini{font-size:14px}
.tool small{font-size:14px;line-height:1.45}
.toolkitFoot{font-size:14px;line-height:1.55}
.purposeGrid p{font-size:15px;line-height:1.55}
.riskLine{font-size:14px;line-height:1.6}
.plainPoints b{font-size:13px}
.plainPoints span{font-size:15px}
.note{font-size:14px!important;line-height:1.6!important}
.rangeTitle{font-size:13px}
.rangeBox>div{font-size:13px}
.marketDot{font-size:12px}
.rangeExplain{font-size:12px}
.rangeVisual>p{font-size:14px;line-height:1.55}
.process span{font-size:13px}
.process p{font-size:15px;line-height:1.55}
.darkNote{font-size:14px;line-height:1.6}
.textLink{font-size:14px}
.personNode,.brokerNode,.nodeRow>div{font-size:14px}
.price span{font-size:16px}
.feeDisclosure{font-size:15px;line-height:1.65}
.feeDisclosure strong{font-size:16px}
.portraitTag span{font-size:14px}
.aboutCopy>p:not(.eyebrow){font-size:17px}
.credentials span{font-size:14px;line-height:1.45}
.credentials b{font-size:14px}
.accountGrid span{font-size:14px;line-height:1.45}
.notSure{font-size:15px}
.faq summary{font-size:17px}
.faq p{font-size:16px;line-height:1.65}
.footerBrand>p,.footerLinks{font-size:14px;line-height:1.6}
.legal{font-size:13px;line-height:1.6}
@media(max-width:1020px){.logoBrand img{width:240px;max-width:42vw}}
@media(max-width:640px){.logoBrand img{width:205px;max-width:58vw}.actions .button{font-size:13px;padding:11px 13px}.rangeExplain{font-size:11px}.legal{font-size:13px}}