:root{
  --navy0:#0b1428; --navy1:#161f3c; --navy2:#212e5a; --navy3:#253364;
  --gold:#c9a35c; --gold2:#e7c98a; --sky:#9ecaf2; --blue:#56a2e9;
  --ink:#eef4ff; --mut:#a8b6cf; --dim:#7185a3; --line:#2a3a63;
  --ok:#7ac29a; --warn:#e0b070; --down:#e08a8a;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:"Segoe UI",system-ui,-apple-system,sans-serif;background:linear-gradient(165deg,var(--navy0) 0%,var(--navy1) 60%,#070d1c 100%);color:var(--ink);font-size:16px;line-height:1.65;min-height:100vh}
a{color:var(--gold2);text-decoration:none}
a:hover{color:var(--ink)}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
header{border-bottom:1px solid var(--line);background:rgba(11,20,40,.82);position:sticky;top:0;z-index:50;backdrop-filter:blur(8px)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:15px 0;gap:14px;position:relative}
.brand{display:flex;flex-direction:column;line-height:1.15}
.brand .co{font-size:10px;letter-spacing:.34em;color:var(--gold)}
.brand .name{font-family:Georgia,serif;font-size:21px;font-weight:700;color:var(--ink)}
.brand .sub{font-size:9px;letter-spacing:.2em;color:var(--dim);text-transform:uppercase;margin-top:2px}
.links{display:flex;gap:19px;align-items:center;font-size:14px;font-weight:600;flex-wrap:wrap}
.links a{color:var(--mut)}
.links a:hover{color:var(--ink)}
.links a.btn,.links a.btn:hover{color:#241a05}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:9px;color:var(--ink);font-size:19px;padding:5px 12px;cursor:pointer}
.btn{display:inline-block;border:0;border-radius:11px;padding:13px 26px;font-weight:800;cursor:pointer;font-size:15px;background:linear-gradient(135deg,var(--gold2),var(--gold));color:#241a05;font-family:inherit}
.btn.ghost{background:transparent;border:1px solid var(--gold);color:var(--gold2)}
.btn.sm{padding:9px 17px;font-size:13.5px}
.btn:hover{filter:brightness(1.08)}
.hero{padding:74px 0 56px;text-align:center}
.hero h1{font-family:Georgia,serif;font-size:clamp(29px,5vw,47px);line-height:1.18;max-width:870px;margin:0 auto 18px}
.hero h1 em{color:var(--gold2);font-style:normal}
.hero p.lead{color:var(--mut);max-width:670px;margin:0 auto 30px;font-size:18px}
.cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.band{border-top:1px solid var(--line);padding:52px 0}
.band h2{font-family:Georgia,serif;font-size:27px;margin-bottom:8px}
.band .lead{color:var(--mut);margin-bottom:26px;max-width:730px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px}
.card{background:rgba(33,46,90,.4);border:1px solid var(--line);border-radius:15px;padding:23px}
.card h3,.card h4{font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:9px;font-weight:700}
.card .big{font-family:Georgia,serif;font-size:19px;color:var(--ink);margin-bottom:7px}
.card p{color:var(--mut);font-size:14.5px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px}
.step{background:rgba(33,46,90,.32);border:1px solid var(--line);border-radius:13px;padding:18px}
.step::before{counter-increment:s;content:counter(s);display:inline-flex;width:29px;height:29px;border-radius:50%;background:linear-gradient(135deg,var(--gold2),var(--gold));color:#241a05;font-weight:800;align-items:center;justify-content:center;margin-bottom:10px;font-size:14px}
.step b{display:block;margin-bottom:4px}
.step span{color:var(--mut);font-size:13.5px}
footer{border-top:1px solid var(--line);padding:32px 0 40px;margin-top:36px}
footer .co{font-size:10px;letter-spacing:.3em;color:var(--gold);margin-bottom:9px}
footer p{color:var(--dim);font-size:12.5px;line-height:1.7;max-width:960px;margin-bottom:9px}
footer .fnav{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:16px;font-size:13px}
/* rates */
.ratewrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(146px,1fr));gap:13px;margin:22px 0}
.rate{background:rgba(33,46,90,.42);border:1px solid var(--line);border-radius:14px;padding:18px 14px;text-align:center}
.rate .v{font-family:Georgia,serif;font-size:29px;color:var(--gold2);letter-spacing:-.5px}
.rate .lbl{font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mut);margin-top:5px}
.rate .chg{font-size:12px;margin-top:5px;color:var(--dim)}
.rate .chg.up{color:var(--down)}
.rate .chg.down{color:var(--ok)}
.rate.prime{border-color:var(--gold)}
.asof{font-size:12.5px;color:var(--dim)}
.disclosure{border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:12px;padding:18px 20px;margin-top:24px;background:rgba(11,20,40,.5)}
.disclosure h3{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.disclosure p{color:var(--mut);font-size:13px;line-height:1.7;margin-bottom:9px}
/* forms */
.formwrap{max-width:790px;margin:0 auto;padding:44px 22px 66px}
.formwrap h1{font-family:Georgia,serif;font-size:clamp(27px,4.5vw,34px);margin-bottom:8px}
.formwrap .lead{color:var(--mut);margin-bottom:28px}
form .grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
label{display:block;font-size:11.5px;text-transform:uppercase;letter-spacing:.07em;color:var(--dim);margin-bottom:5px}
input,select,textarea{width:100%;background:rgba(7,14,30,.75);border:1px solid var(--line);border-radius:10px;color:var(--ink);padding:12px;font-size:15px;font-family:inherit}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold)}
.note{font-size:12.5px;color:var(--dim);line-height:1.6;margin-top:14px}
#msg{display:none;margin-top:18px;border:1px solid var(--gold);border-radius:12px;padding:16px;font-size:15px}
.hp{position:absolute;left:-9999px;opacity:0}
/* calculators */
.calc{background:rgba(33,46,90,.4);border:1px solid var(--line);border-radius:15px;padding:24px;margin-bottom:22px}
.calc h2{font-family:Georgia,serif;font-size:21px;margin-bottom:5px}
.calc .hint{color:var(--dim);font-size:13px;margin-bottom:18px}
.calcgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(163px,1fr));gap:13px}
.out{margin-top:18px;border-top:1px solid var(--line);padding-top:16px}
.outrow{display:flex;justify-content:space-between;padding:7px 0;font-size:15px;border-bottom:1px solid rgba(42,58,99,.5);gap:12px}
.outrow span{color:var(--mut)}
.outrow b{color:var(--ink);white-space:nowrap}
.outrow.total b{color:var(--gold2);font-size:19px;font-family:Georgia,serif}
.outrow.bad b{color:var(--down)}
.outrow.good b{color:var(--ok)}
/* market data */
.brief{background:rgba(33,46,90,.4);border:1px solid var(--line);border-radius:15px;padding:24px;margin-bottom:18px}
.brief .date{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.brief h2{font-family:Georgia,serif;font-size:22px;margin-bottom:12px}
.brief .seg{margin-bottom:14px}
.brief .seg b{display:block;font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--sky);margin-bottom:4px}
.brief .seg p{color:var(--mut);font-size:14.5px}
.brief audio{width:100%;margin-top:14px}
/* prose */
.prose h2{font-family:Georgia,serif;font-size:24px;margin:32px 0 12px}
.prose h3{font-family:Georgia,serif;font-size:19px;margin:24px 0 10px;color:var(--gold2)}
.prose p{color:var(--mut);margin-bottom:16px}
.prose strong{color:var(--ink)}
.prose ul,.prose ol{color:var(--mut);margin:0 0 16px 22px}
.prose li{margin-bottom:8px}
.prose table{width:100%;border-collapse:collapse;margin:0 0 20px;font-size:14.5px}
.prose th{color:var(--gold);text-align:left;font-size:12px;letter-spacing:.06em;text-transform:uppercase;padding:8px 10px;border-bottom:1px solid var(--line)}
.prose td{color:var(--mut);padding:9px 10px;border-bottom:1px solid var(--line)}
.tablewrap{overflow-x:auto}
.prose blockquote{border-left:3px solid var(--gold);padding:6px 0 6px 16px;margin:0 0 16px;color:var(--ink);font-family:Georgia,serif}
@media(max-width:820px){
  .burger{display:block}
  .links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy1);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 22px 18px;z-index:60}
  .links.open{display:flex}
  .links a{padding:11px 0;border-bottom:1px solid rgba(42,58,99,.5)}
  .links a.btn{margin-top:12px;text-align:center;border-bottom:0}
}
@media(max-width:640px){
  .hero{padding:48px 0 40px}
  .band{padding:38px 0}
  form .grid,.calcgrid{grid-template-columns:1fr}
  .cta .btn{width:100%;max-width:340px;text-align:center}
  .hero p.lead{font-size:16px}
  .rate .v{font-size:25px}
}

/* calculator hub cards */
.calcard{display:block;text-decoration:none;transition:border-color .15s,transform .15s}
.calcard:hover{border-color:var(--gold);transform:translateY(-2px)}
.calcard .big{color:var(--ink)}
.calcard p{color:var(--mut)}
.calcard .open{color:var(--gold2);font-size:13px;font-weight:700;margin-top:12px}
/* tools / forms cards */
.toolcard .meta{color:var(--dim);font-size:12px;margin:10px 0 14px;letter-spacing:.03em}
.toolcard .btn{width:100%;text-align:center}
/* field hints + change flash */
.field .fhint{display:block;font-size:11px;color:var(--dim);margin-top:5px;line-height:1.45;text-transform:none;letter-spacing:0}
@keyframes outchg{0%{background:rgba(201,163,92,.30)}100%{background:transparent}}
.outrow.chg{animation:outchg 1.1s ease-out}
.field select{width:100%;background:rgba(7,14,30,.75);border:1px solid var(--line);border-radius:10px;color:var(--ink);padding:12px;font-size:15px;font-family:inherit}
.field select:focus{outline:none;border-color:var(--gold)}