:root{--navy:#0a1226;--navy2:#111b36;--black:#05080f;--gold:#d4af37;--gold2:#b8912a;--ivory:#faf6ea;--ivory2:#f1ead6;--ink:#1a2036;--muted:#566079;--radius:14px;--serif:"Playfair Display",Georgia,"Times New Roman",serif;--sans:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:72px}
body{margin:0;font:1.0625rem/1.65 var(--sans);color:var(--ink);background:var(--ivory);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}a{color:inherit}
h1,h2,h3{font-family:var(--serif);line-height:1.15;margin:0 0 .6em;font-weight:700}
h1{font-size:clamp(2rem,6.5vw,3.5rem)}h2{font-size:clamp(1.6rem,4.5vw,2.4rem)}h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{width:min(1080px,100% - 2.5rem);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--black);padding:.6rem 1rem;z-index:100}.skip:focus{left:0}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.crown{width:1.6em;height:1.2em;color:var(--gold);flex:none}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,18,38,.96);backdrop-filter:blur(8px);border-bottom:1px solid rgba(212,175,55,.25)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:64px}
.logo{display:flex;align-items:center;gap:.55rem;text-decoration:none;color:#fff;font-family:var(--serif);font-weight:700;font-size:1.15rem;letter-spacing:.02em}
.logo .crown{width:28px;height:21px}
.nav{display:flex;align-items:center;gap:1.4rem}
.nav a.link{display:none;color:#e9e4d2;text-decoration:none;font-size:.95rem}.nav a.link:hover{color:var(--gold)}
/* buttons */
.btn{display:inline-block;background:linear-gradient(180deg,#e6c555,var(--gold) 55%,var(--gold2));color:var(--black);font-weight:700;text-decoration:none;padding:.95rem 1.7rem;border-radius:999px;border:0;font-size:1.05rem;box-shadow:0 6px 20px rgba(212,175,55,.28);transition:transform .15s,box-shadow .15s;text-align:center}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(212,175,55,.4)}
.btn.sm{padding:.55rem 1.1rem;font-size:.92rem;box-shadow:none}
.btn.lg{padding:1.1rem 2.2rem;font-size:1.15rem}
/* sections */
section{padding:clamp(3rem,8vw,5.5rem) 0}
.dark{background:radial-gradient(1200px 500px at 70% -10%,#1b2a55 0,transparent 60%),var(--navy);color:#f3efe2}
.darker{background:var(--black);color:#f3efe2}
.alt{background:var(--ivory2)}
.eyebrow{display:block;color:var(--gold2);font-weight:700;letter-spacing:.16em;text-transform:uppercase;font-size:.78rem;margin-bottom:.9rem}
.dark .eyebrow,.darker .eyebrow{color:var(--gold)}
.center{text-align:center}.narrow{max-width:700px;margin-inline:auto}
.rule{width:64px;height:3px;background:var(--gold);border:0;margin:0 0 1.4rem}.center .rule{margin-inline:auto}
/* hero */
.hero{padding-top:clamp(2.5rem,7vw,5rem)}
.hero .grid{display:grid;gap:2.2rem;align-items:center}
.hero h1{color:#fff}.hero h1 em{font-style:italic;color:var(--gold)}
.hero p.sub{font-size:1.2rem;color:#dcd6c2;max-width:34em}
.micro{font-size:.88rem;color:#b9b6a8;margin-top:1rem}
.video{aspect-ratio:16/9;border:1px solid rgba(212,175,55,.5);border-radius:var(--radius);background:linear-gradient(135deg,#16224a,#0b1330);display:grid;place-items:center;text-align:center;padding:1rem;color:#d8d2bd;box-shadow:0 20px 50px rgba(0,0,0,.45);overflow:hidden}
.video iframe{width:100%;height:100%;border:0}
.video .play{width:68px;height:68px;border-radius:50%;border:2px solid var(--gold);display:grid;place-items:center;margin:0 auto .8rem}
.video .play::after{content:"";border-left:20px solid var(--gold);border-top:12px solid transparent;border-bottom:12px solid transparent;margin-left:6px}
.video small{display:block;color:#aaa595}
/* content */
.cols{display:grid;gap:1.2rem;margin-top:2rem}
.card{background:#fff;border:1px solid #e6dcbc;border-radius:var(--radius);padding:1.5rem;box-shadow:0 4px 18px rgba(10,18,38,.06)}
.dark .card,.darker .card{background:rgba(255,255,255,.05);border-color:rgba(212,175,55,.3);box-shadow:none}
.stakes{display:grid;gap:1.2rem;margin-top:2rem}
.stakes .lose,.stakes .win{border-radius:var(--radius);padding:1.6rem}
.stakes .lose{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.18)}
.stakes .win{background:rgba(212,175,55,.1);border:1px solid var(--gold)}
.stakes h3{color:var(--gold)}
.stakes ul{margin:0;padding-left:1.2rem}.stakes li{margin-bottom:.4rem}
/* guide */
.guide{display:grid;gap:2rem;align-items:center}
.photo{aspect-ratio:4/5;max-width:340px;width:100%;margin-inline:auto;border:2px dashed var(--gold2);border-radius:var(--radius);background:var(--ivory);display:grid;place-items:center;text-align:center;color:var(--muted);padding:1rem;font-size:.95rem}
.photo img{width:100%;height:100%;object-fit:cover;border-radius:var(--radius)}
.license{display:inline-block;background:#fff;border:1px solid #e0d4a8;border-left:4px solid var(--gold);padding:.5rem .9rem;border-radius:6px;font-size:.92rem;color:var(--muted)}
/* steps */
.steps{list-style:none;margin:2rem 0 2.2rem;padding:0;display:grid;gap:1.2rem;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding:1.6rem 1.5rem 1.5rem 5rem}
.steps li::before{content:counter(s);position:absolute;left:1.3rem;top:1.3rem;width:2.8rem;height:2.8rem;border-radius:50%;background:var(--navy);color:var(--gold);font:700 1.4rem/2.8rem var(--serif);text-align:center;border:2px solid var(--gold)}
.steps h3{margin-bottom:.3em}.steps p{margin:0;color:var(--muted)}
.checks{list-style:none;padding:0;margin:1.5rem 0 0;display:grid;gap:.8rem}
.checks li{padding-left:2rem;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:.4em;width:1.1rem;height:.6rem;border-left:3px solid var(--gold2);border-bottom:3px solid var(--gold2);transform:rotate(-45deg)}
/* faq */
details{background:#fff;border:1px solid #e6dcbc;border-radius:var(--radius);margin-bottom:.8rem;padding:0 1.3rem}
summary{cursor:pointer;font-weight:600;padding:1.1rem 1.5rem 1.1rem 0;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:0;top:.85rem;font-size:1.5rem;color:var(--gold2);line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--muted)}
/* booking */
.cta-final{text-align:center}.cta-final h2{color:#fff}
.ph{background:rgba(212,175,55,.18);color:inherit;padding:0 .3em;border-radius:3px}
/* privacy / text pages */
.page{padding:3rem 0}.page h1{font-size:2rem}.page .note{background:#fff3cd;border:1px solid #e5c76b;padding:.8rem 1rem;border-radius:8px;font-size:.95rem}
@media(min-width:720px){
 .nav a.link{display:inline}
 .cols.three{grid-template-columns:repeat(3,1fr)}.cols.two,.stakes{grid-template-columns:1fr 1fr}
 .steps{grid-template-columns:repeat(3,1fr)}.steps li{padding:5rem 1.5rem 1.5rem}.steps li::before{left:1.5rem;top:1.4rem}
 .guide{grid-template-columns:340px 1fr;gap:3rem}
}
@media(min-width:960px){.hero .grid{grid-template-columns:1.05fr 1fr;gap:3.5rem}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

.photo{border:0;background:none;display:block}.photo img{display:block;aspect-ratio:4/5;box-shadow:0 18px 40px rgba(10,18,38,.22);border:3px solid var(--gold)}

.legal h2{font-size:1.3rem;margin-top:1.8em}.legal ul{padding-left:1.2rem}.legal li{margin-bottom:.5rem}

/* logo images */
.logo img{height:30px;width:auto;display:block}
.btn.sm{white-space:nowrap}
.nav a.link{font-weight:500}
.nav{gap:1.2rem}
/* booking */
.book-points{list-style:none;padding:0;margin:1.2rem 0 2rem;display:flex;flex-wrap:wrap;justify-content:center;gap:.6rem 1.4rem;color:#e9e4d2;font-size:.98rem}
.book-points li::before{content:"\2713";color:var(--gold);margin-right:.45rem;font-weight:700}
.cta-final .micro a{color:#d8d2bd}.cta-final .micro a:hover{color:var(--gold)}
.cta-final p{color:#dcd6c2}
/* footer */
footer{background:var(--black);color:#c3c0b2;padding:3.5rem 0 2rem;font-size:.95rem}
footer a{color:#e9e4d2;text-decoration:none}footer a:hover{color:var(--gold);text-decoration:underline}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem 1.5rem}
.f-brand{grid-column:1/-1}
.f-brand img{height:44px;width:auto;display:block;margin-bottom:1rem}
.f-brand p{margin:0;max-width:28em;color:#c3c0b2}
.f-col h2{font:600 .78rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:0 0 1rem}
.f-col ul{list-style:none;margin:0;padding:0}.f-col li{margin-bottom:.6rem}
.f-col:last-child{grid-column:1/-1}
.f-cred{margin:2.5rem 0 0;padding-top:1.5rem;border-top:1px solid rgba(212,175,55,.3);color:#e9e4d2;font-size:.92rem}
.f-fine{margin-top:1.2rem;padding-top:1.2rem;border-top:1px solid rgba(255,255,255,.12)}
.f-fine p{margin:0;font-size:.82rem;line-height:1.7;color:#a9a698;max-width:62em}
.f-fine a{color:var(--gold);text-decoration:underline}
.f-copy{margin:1.4rem 0 0;font-size:.82rem;color:#a9a698}
/* subpages */
.hero .mini{font:600 .8rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:2rem 0 1rem}
.checks.light li{color:#e9e4d2}.checks.light li::before{border-color:var(--gold)}
.form-card{background:var(--ivory);color:var(--ink);border-color:var(--gold)}
.form-card h2{font-size:1.5rem;color:var(--navy)}
.muted{color:var(--muted)}
.form-card fieldset{border:0;padding:0;margin:0;min-width:0}
.form-card label{display:block;font-weight:600;font-size:.9rem;margin:1rem 0 .35rem}
.form-card input[type=text],.form-card input[type=email]{width:100%;padding:.8rem .9rem;border:1px solid #cfc49b;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
.form-card input:disabled{background:#f3eedd;cursor:not-allowed}
.form-card label.consent{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;margin:1.1rem 0 1.3rem;font-size:.9rem}
.form-card label.consent input{margin-top:.25rem;width:1.1rem;height:1.1rem;flex:none}
.form-card .btn{width:100%}
.form-card .btn:disabled{opacity:.55;cursor:not-allowed;transform:none;box-shadow:none}
.notice{background:#fff;border:1px solid #e0d4a8;border-left:4px solid var(--gold);padding:.8rem 1rem;border-radius:6px;font-size:.92rem;margin:1.2rem 0 0;color:var(--ink)}
.notice a{font-weight:600;color:var(--navy)}
.fine-print{font-size:.82rem;color:var(--muted);margin:.8rem 0 0}.fine-print a{color:var(--navy)}
.cols.three .card h3{font-size:1.2rem}.cols.three .card p{color:var(--muted);font-size:1rem}
.note-card{margin-top:2rem;border-left:4px solid var(--gold)}.note-card p{margin:0;color:var(--muted);font-size:.95rem}
@media(min-width:720px){.logo img{height:34px}.f-grid{grid-template-columns:1.6fr 1fr 1fr 1.2fr}.f-brand,.f-col:last-child{grid-column:auto}}
@media(max-width:380px){.logo img{height:26px}.btn.sm{padding:.5rem .8rem;font-size:.88rem}}
.dark .form-card{background:var(--ivory);color:var(--ink);border-color:var(--gold);box-shadow:0 20px 50px rgba(0,0,0,.4)}
.dark .form-card h2{color:var(--navy)}.dark .form-card .muted,.dark .form-card .fine-print{color:var(--muted)}
.dark .hero .form-card p{color:inherit}
.logo img{height:30px}@media(min-width:720px){.logo img{height:40px}}@media(max-width:380px){.logo img{height:26px}}

.facts{list-style:none;padding:0;margin:1.2rem 0 1.8rem;display:grid;gap:.5rem;color:#e9e4d2}
.facts strong{color:var(--gold)}
.dates{list-style:none;padding:0;margin:1.2rem 0;display:grid;gap:.6rem}
.dates li{background:#fff;border:1px solid #e6dcbc;border-left:4px solid var(--gold);border-radius:8px;padding:.8rem 1rem;font-weight:600;text-align:left}
.form-card select,.form-card input[type=tel]{width:100%;padding:.8rem .9rem;border:1px solid #cfc49b;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
.form-card select:disabled{background:#f3eedd;cursor:not-allowed}
.form-card .radios{margin:1.1rem 0 0}.form-card .radios .lbl{display:block;font-weight:600;font-size:.9rem;margin-bottom:.4rem}
.form-card .radios label{display:flex;gap:.6rem;align-items:center;font-weight:400;margin:.4rem 0}
.form-card .radios input{width:1.1rem;height:1.1rem}
#reserve{scroll-margin-top:84px}
.logo img{height:44px}@media(min-width:720px){.logo img{height:52px}}@media(max-width:380px){.logo img{height:38px}}.f-brand img{height:64px}

/* join: placeholders and info-night list */
#stories .video{box-shadow:0 10px 30px rgba(10,18,38,.2)}
#info-night .dates{max-width:420px;margin:1.2rem auto 1.8rem}

/* join: testimonial cards */
.testimonials{align-items:start}
.tcard{margin:0;padding:1rem}
.tcard video{display:block;width:100%;aspect-ratio:16/9;background:var(--navy);border:1px solid rgba(212,175,55,.5);border-radius:10px}
.tcard figcaption{font-family:var(--serif);font-weight:700;color:var(--navy);text-align:center;margin-top:.9rem;font-size:1.05rem}
.testimonial-note{text-align:center;color:var(--muted);font-size:.9rem;margin:1.4rem auto 0;max-width:640px}

/* class page */
.steps.four{grid-template-columns:1fr}
@media(min-width:720px){.steps.four{grid-template-columns:repeat(2,1fr)}.steps.four li{padding:1.6rem 1.5rem 1.5rem 5rem}.steps.four li::before{left:1.3rem;top:1.3rem}}
@media(min-width:1000px){.steps.four{grid-template-columns:repeat(4,1fr)}.steps.four li{padding:5rem 1.3rem 1.5rem}.steps.four li::before{left:1.3rem;top:1.4rem}}
.host-card{margin:0 0 1.2rem}.host-card h3{margin-bottom:.2em}.host-card p{margin:0;color:var(--ink);font-weight:500}
.form-card .ml-embedded{margin-top:1rem}
/* join.html: "Is this the right fit?" block */
.fit-grid{display:grid;gap:1.2rem;margin-top:2rem}
.fit-yes,.fit-no{border-radius:var(--radius);padding:1.6rem;background:#fff}
.fit-yes{border:2px solid var(--gold)}
.fit-no{border:1px solid #d9d2bd}
.fit-yes h3,.fit-no h3{margin-top:0}
.fit-grid ul{margin:0;padding-left:1.2rem}.fit-grid li{margin-bottom:.5rem}
.fit-close{margin-top:1.8rem;font-weight:600}
@media(min-width:720px){.fit-grid{grid-template-columns:1fr 1fr}}

/* mobile menu */
.menu-btn{display:inline-flex;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;padding:0 10px;background:transparent;border:1px solid rgba(212,175,55,.5);border-radius:10px;cursor:pointer}
.menu-btn span{display:block;height:2px;background:var(--gold);border-radius:2px}
.mobile-menu{background:var(--navy);border-top:1px solid rgba(212,175,55,.25);padding:.4rem 1rem 1rem}
.mobile-menu[hidden]{display:none}
.mobile-menu a{display:block;color:#f3efe2;text-decoration:none;font-size:1.1rem;padding:.9rem .4rem;border-bottom:1px solid rgba(212,175,55,.18)}
.mobile-menu a:hover{color:var(--gold)}
.site-header .nav .btn.sm{padding:.6rem 1rem;font-size:.9rem;white-space:nowrap}
@media(max-width:380px){.site-header .nav .btn.sm{display:none}}
@media(min-width:720px){.menu-btn,.mobile-menu{display:none!important}}

/* v5: sub-links in mobile menu, card links */
.mobile-menu a.sub{padding-left:1.6rem;font-size:1rem;color:#d8d2bd}
.card .more{display:inline-block;margin-top:.8rem;font-weight:700;color:var(--navy)}
.card .more:hover{color:var(--gold2)}
.card .lbl{font-weight:700;color:var(--navy)}
.darker .cols .card p,.darker .steps .card p,.dark .cols .card p{color:#d8d2bd}
.darker .card a{color:var(--gold)}

/* v6: retirement protection page */
.btn.ghost{background:transparent;color:var(--gold);border:2px solid var(--gold);box-shadow:none}
.btn.ghost:hover{background:rgba(212,175,55,.14);box-shadow:none}
.hero-ctas{display:flex;flex-wrap:wrap;gap:.8rem 1rem;align-items:center}
.guide-note{max-width:34em;margin:1.6rem auto 0}
.disclosure{font-size:.92rem}

/* v9: Start Here (link-in-bio) page */
.start-header .wrap{justify-content:center;min-height:56px}
.start-header .logo img{height:34px}
@media(min-width:720px){.start-header .logo img{height:40px}}
.start{padding:1.6rem 0 2.2rem}
.start .wrap{width:min(560px,100% - 2rem)}
.start-intro{text-align:center}
.start-intro .avatar{width:84px;height:84px;border-radius:50%;object-fit:cover;object-position:50% 18%;border:3px solid var(--gold);display:block;margin:0 auto .9rem;box-shadow:0 8px 22px rgba(0,0,0,.4)}
.start-intro h1{font-size:clamp(1.7rem,7vw,2.3rem);color:#fff;margin-bottom:.4em}
.start-intro p.sub{font-size:1.05rem;color:#dcd6c2;margin:0 auto 1.4rem;max-width:26em}
.paths{list-style:none;margin:0;padding:0;display:grid;gap:.75rem}
.path{display:block;text-decoration:none;color:#f3efe2;background:rgba(255,255,255,.06);border:1.5px solid rgba(212,175,55,.45);border-radius:var(--radius);padding:1rem 3rem 1rem 1.1rem;min-height:68px;position:relative;text-align:left;transition:transform .15s,border-color .15s,background .15s;-webkit-tap-highlight-color:transparent}
.path:hover,.path:active{border-color:var(--gold);background:rgba(212,175,55,.12);transform:translateY(-1px)}
.path::after{content:"";position:absolute;right:1.1rem;top:50%;width:.6rem;height:.6rem;border-top:3px solid var(--gold);border-right:3px solid var(--gold);transform:translateY(-50%) rotate(45deg)}
.path strong{display:block;font-family:var(--serif);font-size:1.2rem;line-height:1.2;color:#fff;margin-bottom:.2rem}
.path span{display:block;font-size:.95rem;line-height:1.4;color:#d8d2bd;overflow-wrap:anywhere}
.path.primary{background:linear-gradient(180deg,#e6c555,var(--gold) 55%,var(--gold2));border-color:var(--gold);box-shadow:0 6px 20px rgba(212,175,55,.28)}
.path.primary strong{color:var(--black)}.path.primary span{color:#2a2410}
.path.primary::after{border-color:var(--black)}
.path.primary:hover,.path.primary:active{background:linear-gradient(180deg,#ecd06a,#dcb73e 55%,var(--gold2))}
.career-sub{display:block;text-align:center;margin:.6rem 0 0;font-size:.95rem;color:#d8d2bd}
.career-sub a{color:var(--gold);font-weight:600;padding:.5rem .3rem;display:inline-block}
.not-sure{margin-top:1.8rem;padding:1.3rem 1.1rem;border:1px solid rgba(212,175,55,.35);border-radius:var(--radius);background:rgba(212,175,55,.08);text-align:center}
.not-sure h2{font-size:1.25rem;color:#fff;margin-bottom:.3em}
.not-sure p{color:#dcd6c2;font-size:.95rem;margin-bottom:1rem}
.not-sure .btn{display:block;width:100%}
.start-note{text-align:center;font-size:.82rem;color:#a9a698;margin:1.4rem 0 0}
.start-note a{color:var(--gold)}
.start-footer{padding-top:2.5rem}

/* v11: "Is this a good fit?" quiz (assets/quiz.js) */
#fit-quiz{scroll-margin-top:72px}
.fq-card{margin-top:2rem;background:var(--navy);color:#f3efe2;border:1px solid var(--gold);border-radius:var(--radius);padding:1.4rem 1.2rem;box-shadow:0 16px 40px rgba(10,18,38,.22)}
.fq-step{margin:0 0 .5rem;font-size:.82rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.fq-bar{height:6px;border-radius:99px;background:rgba(212,175,55,.2);margin-bottom:1.2rem;overflow:hidden}
.fq-bar span{display:block;height:100%;background:var(--gold);border-radius:99px;transition:width .25s}
.fq-set{border:0;margin:0;padding:0;min-width:0}
.fq-legend{padding:0;margin:0 0 1rem;font:700 1.35rem/1.25 var(--serif);color:#fff}
.fq-legend:focus{outline:none}
.fq-opt{display:flex;align-items:center;gap:.8rem;min-height:52px;padding:.75rem 1rem;margin:0 0 .6rem;border:1.5px solid rgba(212,175,55,.4);border-radius:12px;background:rgba(255,255,255,.05);cursor:pointer;font-size:1.02rem;line-height:1.35;color:#f3efe2;transition:border-color .15s,background .15s}
.fq-opt:hover{border-color:var(--gold);background:rgba(212,175,55,.1)}
.fq-opt input{flex:none;width:1.35rem;height:1.35rem;margin:0;accent-color:var(--gold);cursor:pointer}
.fq-opt:focus-within{outline:3px solid var(--gold);outline-offset:2px}
.fq-opt.is-checked{border-color:var(--gold);background:rgba(212,175,55,.16);color:#fff}
.fq-err{margin:.2rem 0 .8rem;color:#ffd98a;font-weight:600;font-size:.95rem}
.fq-nav{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1rem}
.fq-nav .btn{flex:1 1 140px;min-height:48px;cursor:pointer;font-family:inherit}
.fq-result{text-align:center;padding:.4rem 0}
.fq-msg{font:700 1.3rem/1.4 var(--serif);color:#fff;margin:0 0 1.2rem}
.fq-msg:focus{outline:none}
.fq-actions{display:flex;flex-direction:column;gap:.8rem;align-items:stretch}
.fq-actions .btn{font-size:1.05rem}
.fq-again{margin-top:1.2rem;background:none;border:0;color:var(--gold);text-decoration:underline;font:inherit;font-size:.95rem;cursor:pointer;padding:.6rem .8rem;min-height:44px}
.fq-privacy{margin:1.1rem 0 0;font-size:.85rem;color:#b9b6a8;text-align:center}
.fq-honest{margin:1.4rem auto 0;text-align:center;color:var(--muted);font-size:.98rem;max-width:36em}
.fq-noscript{text-align:center}.fq-noscript p{color:#f3efe2}
@media(min-width:720px){.fq-card{padding:2rem 2.2rem}.fq-actions{flex-direction:row;justify-content:center;flex-wrap:wrap}.fq-legend{font-size:1.5rem}.fq-nav .btn{flex:0 1 auto;min-width:160px}.fq-nav{justify-content:flex-end}}
.fq-hint{margin:-.4rem 0 1rem;font-size:.92rem;color:#b9b6a8}
.fq-note{margin:1rem auto 0;max-width:34em;font-size:.88rem;color:#b9b6a8}
.need-box{margin:1.6rem auto 0;max-width:40em;background:#fff;border:1.5px solid var(--gold);border-left-width:6px;border-radius:var(--radius);padding:1.2rem 1.4rem;text-align:left}
.need-box h3{margin:0 0 .4rem;font-size:1.2rem;color:var(--navy)}
.need-box p{margin:0;color:var(--ink);font-size:1rem}
.honest-note{margin:1.4rem 0 0;padding:.9rem 1.1rem;border-left:4px solid var(--gold);background:rgba(255,255,255,.07);color:#f3efe2;font-size:1rem;max-width:34em}
.hero-disc{margin:1.1rem 0 0;font-size:.85rem;color:#b9b6a8;max-width:40em}
.fine-list{margin:.5rem 0 0;padding-left:1.2rem;color:var(--muted);font-size:.95rem}.fine-list li{margin-bottom:.35rem}

/* v19: home page welcome video (vertical 9:16) */
.welcome{background:linear-gradient(180deg,var(--navy2),var(--navy));color:#f3efe2;border-top:1px solid rgba(212,175,55,.25)}
.welcome .eyebrow{color:var(--gold)}
.welcome h2{color:#fff}
.welcome p{color:#dcd6c2;font-size:1.1rem;max-width:30em}
.welcome-grid{display:grid;gap:1.6rem;justify-items:center;text-align:center;grid-template-areas:"head" "media" "ctas"}
.welcome-head{grid-area:head}.welcome-head .rule{margin-inline:auto}.welcome-head p{margin-inline:auto;margin-bottom:0}
.welcome-video{grid-area:media;margin:0;width:min(360px,90vw);max-width:100%}
.welcome-video video{display:block;width:100%;height:auto;aspect-ratio:9/16;object-fit:cover;background:var(--black);border:2px solid rgba(212,175,55,.7);border-radius:18px;box-shadow:0 0 0 6px rgba(212,175,55,.08),0 24px 60px rgba(0,0,0,.5)}
.welcome-ctas{grid-area:ctas;display:flex;flex-wrap:wrap;justify-content:center;gap:.8rem 1rem}
@media(max-width:480px){.welcome-ctas{width:100%;flex-direction:column;align-items:stretch}.welcome-ctas .btn{width:100%}}
@media(min-width:860px){.welcome-grid{grid-template-columns:360px minmax(0,460px);grid-template-areas:"media head" "media ctas";grid-template-rows:auto auto;justify-content:center;align-content:center;column-gap:4rem;row-gap:1.6rem;text-align:left;justify-items:start}.welcome-head{align-self:end}.welcome-head .rule{margin-inline:0}.welcome-head p{margin-inline:0}.welcome-ctas{align-self:start;justify-content:flex-start}.welcome-video{width:360px}}
.welcome-ctas .btn:not(.ghost){border:2px solid transparent}

/* v20: mortgage video funnel (watch.html opt-in, watch-video.html player) */
.mv-hero .facts{margin-bottom:1.4rem}
.mv-form .req{color:var(--gold2);font-weight:700}
.mv-form .opt{font-weight:400;color:var(--muted);font-size:.85rem}
.mv-form .help{font-size:.84rem;color:var(--muted);margin:.35rem 0 0;line-height:1.45}
.mv-form .radios.inline label{display:inline-flex;margin-right:1.4rem}
.mv-form label.consent.sms{margin:.8rem 0 0;font-size:.84rem;line-height:1.45}
.mv-form .btn{margin-top:1.3rem;cursor:pointer;font-family:inherit}
.mv-form .wf-err{margin:.9rem 0 0;padding:.6rem .8rem;border-left:4px solid #b3261e;background:#fbeaea;color:#7a1a14;font-size:.92rem;font-weight:600;border-radius:6px}
.mv-learn .card h3{font-size:1.15rem}
.mv-honest{max-width:40em;margin:1.8rem auto 0;text-align:center;color:var(--muted);font-size:.95rem}
.dark .mv-honest{color:#c9c3ae}
.mv-player{margin:1.6rem auto 0;max-width:960px}
.mv-player video{display:block;width:100%;height:auto;aspect-ratio:16/9;background:var(--black);border:2px solid rgba(212,175,55,.7);border-radius:16px;box-shadow:0 0 0 6px rgba(212,175,55,.08),0 24px 60px rgba(0,0,0,.5)}
.mv-cta{text-align:center;margin-top:2rem}
.mv-cta .micro{margin-top:.8rem}
.mv-topics{list-style:none;padding:0;margin:1.2rem 0 0;display:grid;gap:.6rem}
.mv-topics li{padding:.8rem 1rem;background:#fff;border:1px solid #e6dcbc;border-left:4px solid var(--gold);border-radius:10px}
.mv-card{display:grid;gap:1.2rem;align-items:center;margin:2rem auto 0;max-width:820px;text-align:left;background:#fff;border:1px solid #e6dcbc;border-radius:var(--radius);padding:1.2rem;box-shadow:0 4px 18px rgba(10,18,38,.06)}
.mv-card img{display:block;width:100%;height:auto;border-radius:10px;border:1px solid rgba(212,175,55,.5)}
.mv-card h3{margin:0 0 .4rem;font-size:1.3rem;color:var(--navy)}
.mv-card p{margin:0 0 1rem;color:var(--muted);font-size:1rem}
@media(min-width:720px){.mv-card{grid-template-columns:300px 1fr;padding:1.4rem 1.6rem}}

/* v22 */
.job-body h2{margin-top:2rem}.job-body h3{margin-top:1.4rem;font-size:1.1rem;color:var(--navy)}.job-body ul{margin:.6rem 0 1rem;padding-left:1.2rem}.job-body li{margin:.35rem 0}.video-placeholder{text-align:center}

/* v22: footer sister-brand links (Barbara Queen, Maison Sarti) */
.f-col li.f-also a{color:#a9a698;font-size:.9rem}.f-col li.f-also a:hover{color:var(--gold)}
.f-col li:not(.f-also)+li.f-also{margin-top:1rem;padding-top:.85rem;border-top:1px solid rgba(212,175,55,.22);max-width:14rem}

/* start 2-door (v22): start.html link-in-bio page, big choices + quiet "Other ways I can help" (3 doors since ?v=10, see "start 3-door" below) */
.start2{padding:1.1rem 0 2.6rem}
.start2 .wrap{width:min(900px,100% - 2rem)}
.start2 .start-intro .avatar{width:88px;height:88px;margin-bottom:.55rem}
.start2 .s2-name{font-family:var(--serif);font-weight:700;font-size:1.3rem;line-height:1.2;color:#fff;margin:0}
.start2 .s2-brand{font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin:.25rem 0 .9rem}
.start2 .start-intro h1{font-size:clamp(1.45rem,6.2vw,2.4rem);margin:0 0 1rem}
.start2 .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.doors{list-style:none;margin:0;padding:0;display:grid;gap:.9rem}
.door-item{display:flex;flex-direction:column}
.door{flex:1;display:flex;flex-direction:column;align-items:center;gap:.4rem;text-align:center;text-decoration:none;color:#f3efe2;background:linear-gradient(180deg,rgba(255,255,255,.08),rgba(255,255,255,.03));border:2px solid var(--gold);border-radius:18px;padding:1.05rem 1.1rem 1.1rem;box-shadow:0 12px 32px rgba(0,0,0,.35);transition:transform .15s,background .15s,box-shadow .15s;-webkit-tap-highlight-color:transparent}
.door:hover,.door:active{background:rgba(212,175,55,.12);transform:translateY(-2px);box-shadow:0 16px 38px rgba(0,0,0,.45)}
.door:focus-visible{outline:3px solid #fff;outline-offset:4px}
.door-icon{width:44px;height:44px;padding:10px;border-radius:50%;color:var(--gold);background:rgba(212,175,55,.14);border:1px solid rgba(212,175,55,.4);flex:none}
.door strong{display:block;font-family:var(--serif);font-size:clamp(1.4rem,5.8vw,1.7rem);line-height:1.15;color:#fff;margin-top:.1rem}
.door-sub{display:block;font-size:1rem;line-height:1.45;color:#dcd6c2;max-width:22em}
.door-go{margin-top:auto;display:inline-flex;align-items:center;justify-content:center;gap:.45rem;min-height:48px;padding:.7rem 1.4rem;border-radius:999px;background:linear-gradient(180deg,#e6c555,var(--gold) 55%,var(--gold2));color:var(--black);font-weight:700;font-size:1rem;line-height:1.2;box-shadow:0 6px 18px rgba(212,175,55,.28)}
.door-sub{margin-bottom:.6rem}
.door-go::after{content:"\2192";font-size:1.1em}
.door-extra{text-align:center;margin:.3rem 0 0;font-size:.92rem;color:#c9c4b2}
.door-extra a{display:inline-flex;align-items:center;min-height:44px;padding:.35rem .7rem;color:var(--gold);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.door-extra a:hover{color:#ecd06a}
.door-fine{display:block;font-size:.82rem;line-height:1.4;color:#b9b6a8}
.door-extra>.door-fine:only-child{padding-top:.4rem}
.door-extra a+.door-fine{margin-top:-.35rem}
.more-help{margin:1.8rem auto 0;max-width:620px;padding:0;background:transparent;border:0;border-radius:0;border-top:1px solid rgba(212,175,55,.25);border-bottom:1px solid rgba(212,175,55,.25)}
.more-help summary{list-style:none;cursor:pointer;position:static;display:flex;align-items:center;justify-content:center;gap:.6rem;min-height:52px;padding:.4rem .5rem;color:#dcd6c2;font-weight:600;font-size:.98rem}
.more-help summary::-webkit-details-marker{display:none}
.more-help summary::after{content:"";position:static;font-size:0;line-height:0;width:.5rem;height:.5rem;border-right:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:translateY(-2px) rotate(45deg);transition:transform .15s}
.more-help[open] summary::after{content:"";transform:translateY(2px) rotate(-135deg)}
.more-help summary:hover{color:#fff}
.more-help ul{list-style:none;margin:0;padding:0 0 .8rem;display:grid;gap:.15rem}
.more-help li a{display:flex;align-items:center;min-height:44px;padding:.5rem .9rem;border-radius:10px;color:#e9e4d2;text-decoration:none;font-size:.95rem;line-height:1.35}
.more-help li a:hover{background:rgba(255,255,255,.06);color:var(--gold)}
@media(min-width:760px){
 .start2{padding:2.4rem 0 3.4rem}
 .start2 .start-intro .avatar{width:112px;height:112px;margin-bottom:.7rem}
 .start2 .start-intro h1{margin-bottom:1.4rem}
 .door-icon{width:54px;height:54px;padding:12px}
 .doors{grid-template-columns:1fr 1fr;gap:1.5rem}
 .door{padding:1.9rem 1.6rem 1.6rem}
 .door-extra{min-height:4.4rem}
 .more-help ul{grid-template-columns:1fr 1fr;column-gap:1rem}
}
@media(prefers-reduced-motion:reduce){.door,.door:hover{transition:none;transform:none}}

/* start 3-door (v22, css ?v=10): three whole-card door links; stacked below 980px, three equal columns at 980px+ */
.doors{max-width:560px;margin-inline:auto}
@media(min-width:760px) and (max-width:979.98px){.doors{grid-template-columns:1fr;max-width:560px;gap:1.1rem}.door-extra{min-height:0}}
@media(min-width:980px){
 .start2 .wrap{width:min(1120px,100% - 2rem)}
 .doors{grid-template-columns:repeat(3,1fr);max-width:none;gap:1.25rem}
 .door{padding:1.8rem 1.3rem 1.5rem}
 .door strong{font-size:1.55rem}
}
.more-help li a{justify-content:center;text-align:center}
@media(min-width:760px){.more-help ul{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}}

/* build-a-legacy hub (v22, css ?v=10): build-a-legacy.html option cards */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.lh-hero .hero-ctas{justify-content:center;margin-top:1.4rem}
.lh-hero p.sub{margin-inline:auto}
.lh-grid{display:grid;gap:1.2rem;margin-top:2rem}
.lh-card{display:flex;flex-direction:column;align-items:flex-start;border-top:3px solid var(--gold)}
.lh-card h3{color:var(--navy);margin:.85rem 0 .45rem;font-size:1.25rem}
.lh-card p{color:var(--muted);font-size:1rem;margin:0 0 1rem}
.lh-icon{width:46px;height:46px;padding:11px;border-radius:50%;color:var(--gold2);background:rgba(212,175,55,.14);border:1px solid rgba(212,175,55,.45);flex:none}
.lh-link{margin-top:auto;display:inline-flex;align-items:center;gap:.4rem;min-height:44px;font-weight:700;color:var(--navy);text-decoration:none}
.lh-link-t{text-decoration:underline;text-decoration-color:rgba(184,145,42,.55);text-underline-offset:4px}
.lh-link::after{content:"\2192"}
.lh-link:hover{color:var(--gold2)}
.lh-wide{background:var(--navy);border-color:var(--gold);color:#f3efe2}
.lh-wide h3{color:#fff}.lh-wide p{color:#d8d2bd}
.lh-wide .lh-icon{color:var(--gold)}
.lh-wide p{max-width:62em}
.lh-wide .lh-link{color:var(--gold)}.lh-wide .lh-link:hover{color:#ecd06a}
@media(min-width:700px){.lh-grid{grid-template-columns:1fr 1fr}.lh-wide{grid-column:1/-1;flex-direction:row;gap:1.3rem}.lh-wide h3{margin-top:0}}
@media(min-width:1000px){.lh-grid{grid-template-columns:repeat(3,1fr)}}
/* v22 career video (/career/) */
.career-player{margin:0 0 1.5rem;width:min(960px,calc(100vw - 40px));max-width:none;position:relative;left:50%;transform:translateX(-50%)}
.career-player figcaption{margin:.9rem auto 0;max-width:46em;text-align:center;color:#4a4f5c;font-size:.9rem}

/* v23 mortgage video (HLS + captions track), Oct 9, 2026 */
.mv-player video::cue{color:#fff;background:rgba(10,18,38,.82);font-family:Inter,system-ui,sans-serif;font-size:1.05em;line-height:1.35}
.mv-player #mp-video-note{text-align:center;color:#dcd6c2;margin-top:.8rem}