/* ==========================================================================
   Ryan G. Coleman — ryangcoleman.com
   Direction D "Editorial". Midnight + cream, transitional serif display,
   Plex sans/mono for UI and figures.
   Built 2026-09-22 · Signature Financial Solutions / Marketing
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,500;0,6..72,600;0,6..72,700;1,6..72,400;1,6..72,600&family=IBM+Plex+Mono:wght@400;500;600&family=IBM+Plex+Sans:wght@400;450;500;600&display=swap');

/* --------------------------------------------------------------- tokens */
:root {
  --midnight:      #1a2432;
  --midnight-deep: #131b26;
  --midnight-soft: #24303f;
  --cream:         #f4f1eb;
  --cream-hi:      #faf8f4;
  --sand:          #e9e3d6;
  --sand-deep:     #ddd5c4;
  --ice:           #b9e3ec;
  --ice-deep:      #8fcfdd;
  --clay:          #b4553a;
  --clay-soft:     #c9714f;

  --ink:      #202a36;
  --ink-soft: #46525f;
  --muted:    #6f7a87;
  --line:     #ddd7cb;
  --line-dk:  rgba(244, 241, 235, 0.16);

  --serif: 'Newsreader', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --sans:  'IBM Plex Sans', 'Segoe UI', -apple-system, BlinkMacSystemFont, Helvetica, Arial, sans-serif;
  --mono:  'IBM Plex Mono', 'SFMono-Regular', Consolas, monospace;

  --shell:  1180px;
  --gutter: clamp(20px, 5vw, 56px);
  --pad-y:  clamp(72px, 9vw, 126px);

  --ease: cubic-bezier(.22, .61, .36, 1);
}

/* grain used over dark panels for depth */
:root {
  --grain: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.82' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='180' height='180' filter='url(%23n)' opacity='.42'/%3E%3C/svg%3E");
}

/* ---------------------------------------------------------------- reset */
*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  font-weight: 400;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; height: auto; display: block; }
figure, dl { margin: 0; }
a { color: inherit; }
button { font: inherit; color: inherit; }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -0.014em;
  margin: 0;
  text-wrap: balance;
}

p { margin: 0 0 1.05em; }
p:last-child { margin-bottom: 0; }

:focus-visible {
  outline: 2px solid var(--clay);
  outline-offset: 3px;
  border-radius: 2px;
}
.on-dark :focus-visible, .band-dark :focus-visible { outline-color: var(--ice); }

.skip {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--ice); color: var(--midnight);
  padding: 12px 20px; font-weight: 600;
}
.skip:focus { left: 12px; top: 12px; }

/* --------------------------------------------------------------- layout */
.shell {
  width: 100%;
  max-width: var(--shell);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.shell-narrow { max-width: 860px; }

.band { padding-block: var(--pad-y); position: relative; }
.band-cream { background: var(--cream); }
.band-sand  { background: var(--sand); }

.band-dark {
  background: var(--midnight);
  color: var(--cream);
  position: relative;
  isolation: isolate;
}
.band-dark::after {
  content: '';
  position: absolute; inset: 0;
  background-image: var(--grain);
  opacity: .30;
  mix-blend-mode: overlay;
  pointer-events: none;
  z-index: -1;
}

/* ------------------------------------------------------------ type bits */
.eyebrow {
  font-family: var(--mono);
  font-size: .715rem;
  font-weight: 500;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--clay);
  margin: 0 0 1.15rem;
  display: block;
}
.band-dark .eyebrow { color: var(--ice); }

.h-display { font-size: clamp(2.55rem, 6.1vw, 4.5rem); line-height: 1.015; letter-spacing: -.022em; }
.h-section { font-size: clamp(1.95rem, 3.5vw, 2.85rem); }
.h-sub     { font-size: clamp(1.4rem, 2.2vw, 1.75rem); }

.accent { color: var(--ice); }
.band-cream .accent, .band-sand .accent { color: var(--clay); }

.lede {
  font-size: clamp(1.03rem, 1.35vw, 1.16rem);
  color: var(--ink-soft);
  max-width: 58ch;
}
.band-dark .lede { color: rgba(244, 241, 235, .82); }

.rule {
  width: 52px; height: 2px;
  background: var(--clay);
  border: 0; margin: 0 0 1.6rem;
}
.band-dark .rule { background: var(--ice); }

/* -------------------------------------------------------------- buttons */
.btn {
  --btn-bg: var(--ice);
  --btn-fg: var(--midnight);
  display: inline-flex;
  align-items: center;
  gap: .6em;
  background: var(--btn-bg);
  color: var(--btn-fg);
  font-family: var(--sans);
  font-size: .905rem;
  font-weight: 600;
  letter-spacing: .012em;
  padding: .92em 1.6em;
  border: 1px solid var(--btn-bg);
  border-radius: 0;
  text-decoration: none;
  white-space: nowrap;
  cursor: pointer;
  transition: background .22s var(--ease), border-color .22s var(--ease),
              color .22s var(--ease), transform .22s var(--ease);
}
.btn:hover { transform: translateY(-2px); background: var(--ice-deep); border-color: var(--ice-deep); }
.btn .arw { transition: transform .22s var(--ease); }
.btn:hover .arw { transform: translateX(3px); }

.btn-dark  { --btn-bg: var(--midnight); --btn-fg: var(--cream); }
.btn-dark:hover { background: var(--midnight-soft); border-color: var(--midnight-soft); }
.btn-clay  { --btn-bg: var(--clay); --btn-fg: #fff; }
.btn-clay:hover { background: var(--clay-soft); border-color: var(--clay-soft); }

.btn-ghost {
  background: transparent;
  border-color: currentColor;
  color: inherit;
  opacity: .9;
}
.btn-ghost:hover { background: transparent; opacity: 1; }
.band-dark .btn-ghost:hover { background: rgba(185, 227, 236, .1); border-color: var(--ice); color: var(--ice); }
.band-cream .btn-ghost:hover, .band-sand .btn-ghost:hover { background: rgba(26, 36, 50, .05); }

.btn-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }

/* underline text link */
.tlink {
  font-weight: 500;
  text-decoration: none;
  border-bottom: 1px solid currentColor;
  padding-bottom: 1px;
  transition: opacity .2s var(--ease);
}
.tlink:hover { opacity: .65; }

/* --------------------------------------------------------------- header */
.masthead {
  position: sticky; top: 0; z-index: 90;
  background: var(--midnight);
  border-bottom: 1px solid var(--line-dk);
}
.masthead-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 74px;
}

.wordmark {
  font-family: var(--serif);
  font-size: clamp(.92rem, 1.5vw, 1.08rem);
  font-weight: 600;
  letter-spacing: .265em;
  text-transform: uppercase;
  color: var(--cream);
  text-decoration: none;
  white-space: nowrap;
  padding-right: .265em;
}
.wordmark em { font-style: normal; color: var(--ice); }
.wordmark:hover em { color: var(--cream); transition: color .2s var(--ease); }

.mainnav { display: flex; align-items: center; gap: clamp(16px, 2.2vw, 30px); }
.mainnav a {
  font-size: .845rem;
  font-weight: 450;
  letter-spacing: .015em;
  color: rgba(244, 241, 235, .8);
  text-decoration: none;
  padding: 6px 0;
  position: relative;
  transition: color .2s var(--ease);
}
.mainnav a::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: 0;
  height: 1px; background: var(--ice);
  transform: scaleX(0); transform-origin: left;
  transition: transform .26s var(--ease);
}
.mainnav a:hover, .mainnav a[aria-current="page"] { color: var(--cream); }
.mainnav a:hover::after, .mainnav a[aria-current="page"]::after { transform: scaleX(1); }
.mainnav a.btn {
  color: var(--btn-fg);
  font-size: .82rem;
  font-weight: 600;
  padding: .7em 1.15em;
  margin-left: 6px;
}
.mainnav a.btn:hover { color: var(--btn-fg); }
.mainnav a.btn::after { display: none; }

.navtoggle {
  display: none;
  background: none; border: 1px solid var(--line-dk);
  width: 44px; height: 40px;
  cursor: pointer; padding: 0;
  align-items: center; justify-content: center;
  flex-direction: column; gap: 5px;
}
.navtoggle span { display: block; width: 19px; height: 1.5px; background: var(--cream); transition: transform .26s var(--ease), opacity .2s; }
.navtoggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.navtoggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.navtoggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

@media (max-width: 940px) {
  .navtoggle { display: flex; }
  .mainnav {
    position: fixed; inset: 74px 0 auto 0;
    background: var(--midnight);
    border-bottom: 1px solid var(--line-dk);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px var(--gutter) 26px;
    transform: translateY(-12px);
    opacity: 0; visibility: hidden;
    transition: opacity .24s var(--ease), transform .24s var(--ease), visibility .24s;
    max-height: calc(100vh - 74px);
    overflow-y: auto;
  }
  .mainnav.open { opacity: 1; visibility: visible; transform: none; }
  .mainnav a { padding: 15px 0; border-bottom: 1px solid var(--line-dk); font-size: 1rem; }
  .mainnav a::after { display: none; }
  .mainnav .btn { margin: 20px 0 0; justify-content: center; }
}

/* ----------------------------------------------------------------- hero */
.hero {
  background:
    radial-gradient(112% 76% at 88% -6%, rgba(185, 227, 236, .13) 0%, rgba(185, 227, 236, 0) 62%),
    radial-gradient(90% 60% at -8% 105%, rgba(180, 85, 58, .13) 0%, rgba(180, 85, 58, 0) 60%),
    var(--midnight);
  padding-block: clamp(62px, 8.5vw, 116px) clamp(66px, 9vw, 120px);
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.28fr) minmax(0, .78fr);
  gap: clamp(32px, 5vw, 76px);
  align-items: center;
}
.hero h1 { margin-bottom: 1.45rem; }
.hero .lede { margin-bottom: 2rem; }

.hero-portrait { position: relative; }
.hero-portrait img {
  width: 100%;
  height: auto;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: 50% 18%;
  filter: saturate(.94) contrast(1.03);
}
/* thin offset frame, an editorial touch */
.hero-portrait img {
  position: relative;
  z-index: 1;
  filter: saturate(.62) contrast(1.06);
  transition: filter 1.1s var(--ease);
}
.hero-portrait.in img { filter: saturate(1) contrast(1.03); }

/* soft wash behind the photo instead of an outlined frame */
.hero-portrait::before {
  content: '';
  position: absolute;
  inset: -9% -9% -16% -9%;
  background: radial-gradient(64% 58% at 62% 34%, rgba(185, 227, 236, .26) 0%, rgba(185, 227, 236, 0) 70%);
  filter: blur(14px);
  pointer-events: none;
  z-index: 0;
}

/* editorial caption under the portrait */
.hero-portrait figcaption {
  display: flex;
  align-items: center;
  gap: .55em;
  margin-top: 14px;
  font-family: var(--mono);
  font-size: .625rem;
  font-weight: 500;
  letter-spacing: .17em;
  text-transform: uppercase;
  color: rgba(244, 241, 235, .52);
}
.hero-portrait figcaption .dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--ice);
  flex: none;
  box-shadow: 0 0 0 0 rgba(185, 227, 236, .7);
  animation: pulse 2.6s var(--ease) infinite;
}
@keyframes pulse {
  0%   { box-shadow: 0 0 0 0 rgba(185, 227, 236, .55); }
  70%  { box-shadow: 0 0 0 7px rgba(185, 227, 236, 0); }
  100% { box-shadow: 0 0 0 0 rgba(185, 227, 236, 0); }
}

.hero-meta {
  margin-top: clamp(38px, 5vw, 62px);
  padding-top: 26px;
  border-top: 1px solid var(--line-dk);
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 22px 30px;
}
.hero-meta div { min-width: 0; }
.hero-meta dt {
  font-family: var(--mono);
  font-size: .66rem; font-weight: 500;
  letter-spacing: .17em; text-transform: uppercase;
  color: var(--ice);
  margin-bottom: .45rem;
}
.hero-meta dd { margin: 0; font-size: .925rem; color: rgba(244, 241, 235, .84); line-height: 1.45; }

@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-portrait { max-width: 330px; order: -1; }
  .hero-portrait img { aspect-ratio: 1 / 1; }
}

/* ------------------------------------------------------- section header */
.sec-head { max-width: 62ch; margin-bottom: clamp(38px, 4.6vw, 62px); }
.sec-head.wide { max-width: none; }
.sec-head-split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(26px, 4vw, 60px);
  align-items: end;
  margin-bottom: clamp(38px, 4.6vw, 62px);
}
@media (max-width: 820px) { .sec-head-split { grid-template-columns: 1fr; align-items: start; } }

/* ------------------------------------------------- numbered card grid */
.numgrid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
}
.numgrid.g4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

@media (max-width: 1020px) {
  .numgrid, .numgrid.g4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .numgrid.g3 { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .numgrid, .numgrid.g4, .numgrid.g3 { grid-template-columns: 1fr; }
}
.band-dark .numgrid { background: var(--line-dk); border-color: var(--line-dk); }

.numcard {
  background: var(--cream);
  padding: clamp(24px, 2.6vw, 34px);
  position: relative;
  transition: background .28s var(--ease);
}
.numcard:hover { background: var(--cream-hi); }
.band-sand .numcard { background: var(--sand); }
.band-sand .numcard:hover { background: #efeade; }
.band-dark .numcard { background: var(--midnight); }
.band-dark .numcard:hover { background: var(--midnight-soft); }

.numcard .idx {
  font-family: var(--mono);
  font-size: .7rem; font-weight: 500;
  letter-spacing: .14em;
  color: var(--clay);
  display: block;
  margin-bottom: 1.4rem;
}
.band-dark .numcard .idx { color: var(--ice); }
.numcard h3 { font-size: 1.24rem; margin-bottom: .55rem; }
.numcard p { font-size: .925rem; color: var(--ink-soft); margin: 0; }
.band-dark .numcard p { color: rgba(244, 241, 235, .74); }

/* ------------------------------------------------------- prose + rails */
.split {
  display: grid;
  grid-template-columns: minmax(0, 1.42fr) minmax(0, .88fr);
  gap: clamp(34px, 5vw, 78px);
  align-items: start;
}
@media (max-width: 880px) { .split { grid-template-columns: 1fr; } }

.prose p { max-width: 62ch; }
.prose .pullquote {
  font-family: var(--serif);
  font-size: clamp(1.25rem, 2.1vw, 1.6rem);
  line-height: 1.32;
  color: var(--ink);
  border-left: 2px solid var(--clay);
  padding-left: clamp(18px, 2.4vw, 28px);
  margin: 1.9rem 0;
  max-width: 44ch;
}
.band-dark .prose .pullquote { color: var(--cream); border-left-color: var(--ice); }

.rail {
  border-top: 2px solid var(--midnight);
  padding-top: 22px;
}
.band-dark .rail { border-top-color: var(--ice); }
.rail h3 {
  font-family: var(--mono);
  font-size: .715rem; font-weight: 500;
  letter-spacing: .18em; text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 1.15rem;
}
.band-dark .rail h3 { color: var(--ice); }
.rail ul { list-style: none; margin: 0; padding: 0; }
.rail li {
  font-size: .915rem;
  line-height: 1.5;
  padding: 11px 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink-soft);
}
.band-dark .rail li { border-bottom-color: var(--line-dk); color: rgba(244, 241, 235, .8); }
.rail li:last-child { border-bottom: 0; }
.rail li b { color: var(--ink); font-weight: 600; }
.band-dark .rail li b { color: var(--cream); }

/* ------------------------------------------------------------- Q and A */
.qagrid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(232px, 1fr));
  gap: clamp(20px, 2.4vw, 30px);
}
.qacard { border-top: 1px solid var(--line); padding-top: 18px; }
.band-dark .qacard { border-top-color: var(--line-dk); }
.qacard .q {
  font-family: var(--mono);
  font-size: .68rem; font-weight: 500;
  letter-spacing: .13em; text-transform: uppercase;
  color: var(--muted);
  margin-bottom: .55rem;
}
.band-dark .qacard .q { color: var(--ice); }
.qacard .a { font-family: var(--serif); font-size: 1.1rem; line-height: 1.34; color: var(--ink); }
.band-dark .qacard .a { color: var(--cream); }

/* ------------------------------------------------------------- CTA band */
.cta-split {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: clamp(22px, 4vw, 50px);
}
.cta-split h2 { max-width: 20ch; }
.cta-split .lede { margin-top: .85rem; }

/* --------------------------------------------------------------- footer */
.sitefoot { background: var(--midnight-deep); color: rgba(244, 241, 235, .74); font-size: .875rem; }
.sitefoot a { color: rgba(244, 241, 235, .74); }
.foot-top {
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr) minmax(0, 1.15fr);
  gap: clamp(28px, 4vw, 56px);
  padding-block: clamp(50px, 6vw, 74px) 40px;
}
@media (max-width: 800px) { .foot-top { grid-template-columns: 1fr; } }
.foot-top h4 {
  font-family: var(--mono);
  font-size: .665rem; font-weight: 500;
  letter-spacing: .18em; text-transform: uppercase;
  color: var(--ice);
  margin-bottom: 1.05rem;
}
.foot-top ul { list-style: none; margin: 0; padding: 0; }
.foot-top li { margin-bottom: .62rem; }
.foot-top a { text-decoration: none; transition: color .2s var(--ease); }
.foot-top a:hover { color: var(--cream); }
.foot-brand .wordmark { font-size: 1rem; display: inline-block; margin-bottom: 1.1rem; }
.foot-brand p { max-width: 34ch; line-height: 1.6; }

.disclosure {
  border-top: 1px solid var(--line-dk);
  padding-block: 30px 44px;
  font-size: .765rem;
  line-height: 1.68;
  color: rgba(244, 241, 235, .58);
}
.disclosure p { margin-bottom: .85em; max-width: 98ch; }
.disclosure b { color: rgba(244, 241, 235, .82); font-weight: 600; }
.disclosure a { color: rgba(244, 241, 235, .74); }
.disclosure .legal-links { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-bottom: 1.1em; }
.disclosure .legal-links a { text-decoration: none; border-bottom: 1px solid rgba(244, 241, 235, .3); }
.disclosure .legal-links a:hover { color: var(--cream); border-bottom-color: var(--ice); }

/* =========================================================== CALCULATORS */
.toolnav {
  display: flex; flex-wrap: wrap; gap: 10px;
  margin-top: 2rem;
}
.toolnav a {
  font-family: var(--sans);
  font-size: .855rem; font-weight: 500;
  text-decoration: none;
  padding: .62em 1.15em;
  border: 1px solid rgba(244, 241, 235, .3);
  color: rgba(244, 241, 235, .88);
  transition: border-color .2s var(--ease), background .2s var(--ease), color .2s var(--ease);
}
.toolnav a:hover { border-color: var(--ice); color: var(--ice); background: rgba(185, 227, 236, .08); }

.calc {
  display: grid;
  grid-template-columns: minmax(0, 370px) minmax(0, 1fr);
  gap: clamp(22px, 3vw, 40px);
  align-items: start;
}
@media (max-width: 920px) { .calc { grid-template-columns: 1fr; } }

.calc-form, .calc-out {
  background: var(--cream-hi);
  border: 1px solid var(--line);
  padding: clamp(22px, 2.6vw, 30px);
}
.band-sand .calc-form, .band-sand .calc-out { background: var(--cream); border-color: var(--sand-deep); }

.calc-form label {
  display: block;
  font-family: var(--sans);
  font-size: .795rem;
  font-weight: 500;
  letter-spacing: .01em;
  color: var(--ink-soft);
  margin: 1.05rem 0 .4rem;
}
.calc-form label:first-of-type { margin-top: 0; }

.field-wrap { position: relative; display: flex; align-items: center; }
.field-wrap .affix {
  position: absolute;
  font-family: var(--mono);
  font-size: .9rem;
  color: var(--muted);
  pointer-events: none;
}
.field-wrap .affix-l { left: 13px; }
.field-wrap .affix-r { right: 13px; }
.field-wrap:has(.affix-l) .field { padding-left: 29px; }
.field-wrap:has(.affix-r) .field { padding-right: 32px; }

.field {
  width: 100%;
  font-family: var(--mono);
  font-size: .975rem;
  font-weight: 500;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 0;
  padding: .64em .8em;
  transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
  -moz-appearance: textfield;
}
.field::-webkit-outer-spin-button,
.field::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.field:focus {
  outline: none;
  border-color: var(--midnight);
  box-shadow: 0 0 0 3px rgba(185, 227, 236, .45);
}

.radio-row { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.radio-row label {
  margin: 0;
  display: flex; align-items: center; gap: 9px;
  border: 1px solid var(--line);
  background: #fff;
  padding: .7em .8em;
  font-size: .82rem;
  color: var(--ink);
  cursor: pointer;
  transition: border-color .18s var(--ease), background .18s var(--ease);
}
.radio-row label:has(input:checked) { border-color: var(--midnight); background: var(--sand); }
.radio-row input { accent-color: var(--clay); margin: 0; }

.calc-form .btn { width: 100%; justify-content: center; margin-top: 1.5rem; }

/* results */
.statrow {
  display: flex; flex-wrap: wrap;
  gap: clamp(20px, 3vw, 44px);
  padding-bottom: 20px;
  border-bottom: 1px solid var(--line);
}
.stat { min-width: 140px; }
.stat .v {
  font-family: var(--serif);
  font-size: clamp(1.75rem, 3.1vw, 2.35rem);
  font-weight: 600;
  line-height: 1.04;
  letter-spacing: -.018em;
  color: var(--midnight);
  font-variant-numeric: tabular-nums;
}
.stat .v.pos { color: #2f6b4f; }
.stat .v.neg { color: var(--clay); }
.stat .l {
  font-family: var(--sans);
  font-size: .775rem;
  color: var(--muted);
  margin-top: .42rem;
  line-height: 1.4;
}

.verdict {
  background: var(--sand);
  border-left: 2px solid var(--clay);
  font-size: .9rem;
  line-height: 1.58;
  color: var(--ink);
  padding: 15px 18px;
  margin: 20px 0 4px;
}
.verdict b { font-weight: 600; }

.chart-wrap { position: relative; margin-top: 18px; }
.chart-wrap svg { width: 100%; height: auto; display: block; overflow: visible; }
.chart-tip {
  position: absolute;
  pointer-events: none;
  background: var(--midnight);
  color: var(--cream);
  font-family: var(--sans);
  font-size: .765rem;
  line-height: 1.45;
  padding: 7px 10px;
  white-space: nowrap;
  transform: translate(-50%, -128%);
  opacity: 0;
  transition: opacity .13s;
  z-index: 5;
}
.chart-tip b { font-family: var(--mono); font-weight: 600; }

.finenote {
  font-size: .79rem;
  line-height: 1.55;
  color: var(--muted);
  margin-top: 16px;
}

.calc-sep {
  border: 0;
  border-top: 1px solid var(--line);
  margin: 0;
}

.discbox {
  border: 1px solid var(--line);
  padding: clamp(20px, 2.5vw, 28px);
  font-size: .805rem;
  line-height: 1.66;
  color: var(--muted);
}
.discbox p:last-child { margin-bottom: 0; }

/* ------------------------------------------------------------ reveal fx */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .72s var(--ease), transform .72s var(--ease);
  transition-delay: var(--d, 0ms);
}
.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .btn:hover { transform: none; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

/* ----------------------------------------------------------------- misc */
@media print {
  .masthead, .navtoggle, .toolnav, .btn, .gate, .progress, .ticker { display: none !important; }
  /* never let an un-fired reveal print as blank space */
  .kin .w > i, .reveal { opacity: 1 !important; transform: none !important; }
  html.locked #main, html.locked .masthead, html.locked .sitefoot { visibility: visible !important; }
  body { background: #fff; color: #000; }
  .band-dark, .hero { background: #fff !important; color: #000 !important; }
}


/* ==========================================================================
   KINETIC LAYER  ·  added 2026-09-22
   Motion, scroll-driven effects, marquee, spotlight cards, and the preview gate.
   Everything here is progressive: without JS or with reduced motion the page
   still reads correctly, it just sits still.
   ========================================================================== */

/* cross-document morph between index and tools where supported */
@view-transition { navigation: auto; }

/* ------------------------------------------------------- scroll progress */
.progress {
  position: fixed;
  top: 0; left: 0;
  height: 2px;
  width: 100%;
  background: linear-gradient(90deg, var(--ice), var(--clay));
  transform-origin: 0 50%;
  transform: scaleX(var(--p, 0));
  z-index: 120;
  pointer-events: none;
}
/* modern path: no JS at all */
@supports (animation-timeline: scroll()) {
  .progress {
    transform: scaleX(0);
    animation: progress-grow linear both;
    animation-timeline: scroll(root block);
  }
  @keyframes progress-grow { to { transform: scaleX(1); } }
}

/* ------------------------------------------------- word-by-word headline */
.kin { display: inline; }
.kin .w {
  display: inline-block;
  overflow: hidden;
  vertical-align: bottom;
  padding-bottom: .04em;
}
.kin .w > i {
  display: inline-block;
  font-style: inherit;
  transform: translateY(105%) rotate(2.2deg);
  opacity: 0;
  transition: transform .82s var(--ease), opacity .6s var(--ease);
  transition-delay: calc(var(--i, 0) * 42ms + var(--base, 0ms));
  will-change: transform;
}
.kin.in .w > i { transform: none; opacity: 1; }

@media (prefers-reduced-motion: reduce) {
  .kin .w > i { transform: none; opacity: 1; transition: none; }
}

/* ---------------------------------------------------------- hero accents */
.hero { position: relative; }
/* slow drifting light so the dark panel is never dead flat */
.hero::before {
  content: '';
  position: absolute;
  inset: -20% -10%;
  background:
    radial-gradient(38% 42% at 22% 28%, rgba(185, 227, 236, .10), transparent 68%),
    radial-gradient(34% 40% at 78% 72%, rgba(180, 85, 58, .10), transparent 66%);
  animation: drift 26s var(--ease) infinite alternate;
  pointer-events: none;
  z-index: 0;
}
.hero > .shell { position: relative; z-index: 1; }
@keyframes drift {
  0%   { transform: translate3d(0, 0, 0) scale(1); }
  100% { transform: translate3d(3%, -2.5%, 0) scale(1.07); }
}
@media (prefers-reduced-motion: reduce) { .hero::before { animation: none; } }

/* ---------------------------------------------------------- ticker band */
.ticker {
  background: var(--midnight-soft);
  color: rgba(244, 241, 235, .72);
  border-block: 1px solid var(--line-dk);
  overflow: hidden;
  padding-block: 13px;
  display: flex;
  user-select: none;
}
.ticker-track {
  display: flex;
  flex: none;
  gap: 0;
  animation: slide 42s linear infinite;
}
.ticker:hover .ticker-track { animation-play-state: paused; }
.ticker span {
  font-family: var(--mono);
  font-size: .705rem;
  font-weight: 500;
  letter-spacing: .21em;
  text-transform: uppercase;
  white-space: nowrap;
  padding-inline: 1.5rem;
  display: inline-flex;
  align-items: center;
  gap: 1.5rem;
}
.ticker span::after {
  content: '';
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--clay);
  display: inline-block;
}
@keyframes slide { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .ticker-track { animation: none; }
}

/* ------------------------------------------------------- spotlight cards */
.numcard {
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.numcard::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(240px circle at var(--mx, 50%) var(--my, 50%),
              rgba(185, 227, 236, .16), transparent 62%);
  opacity: 0;
  transition: opacity .32s var(--ease);
  pointer-events: none;
  z-index: -1;
}
.band-cream .numcard::before, .band-sand .numcard::before {
  background: radial-gradient(240px circle at var(--mx, 50%) var(--my, 50%),
              rgba(180, 85, 58, .10), transparent 62%);
}
.numcard:hover::before { opacity: 1; }

/* the index rule slides a hair on hover */
.numcard .idx { transition: transform .34s var(--ease), letter-spacing .34s var(--ease); }
.numcard:hover .idx { transform: translateX(3px); letter-spacing: .2em; }

/* ---------------------------------------------------------- magnetic CTA */
.btn { will-change: transform; }
.btn.mag { transform: translate3d(var(--tx, 0), var(--ty, 0), 0); }
.btn.mag:hover { transform: translate3d(var(--tx, 0), calc(var(--ty, 0px) - 2px), 0); }

/* --------------------------------------------------------- chart draw-in */
.chart-line {
  stroke-dasharray: var(--len);
  stroke-dashoffset: var(--len);
  animation: draw 1.15s var(--ease) forwards;
}
.chart-area { opacity: 0; animation: fade .9s var(--ease) .32s forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }
@keyframes fade { to { opacity: .10; } }
@media (prefers-reduced-motion: reduce) {
  .chart-line { stroke-dasharray: none; stroke-dashoffset: 0; animation: none; }
  .chart-area { opacity: .10; animation: none; }
}

/* stat figures tick up, so give them a stable box */
.stat .v { font-variant-numeric: tabular-nums; }

/* ============================================================ PREVIEW GATE */
html.locked, html.locked body { overflow: hidden; }
html.locked #main,
html.locked .masthead,
html.locked .sitefoot,
html.locked .progress { visibility: hidden; }

.gate {
  position: fixed;
  inset: 0;
  z-index: 300;
  display: grid;
  place-items: center;
  padding: var(--gutter);
  background:
    radial-gradient(70% 60% at 76% 8%, rgba(185, 227, 236, .15), transparent 62%),
    radial-gradient(60% 55% at 12% 96%, rgba(180, 85, 58, .15), transparent 60%),
    var(--midnight);
  color: var(--cream);
}
html:not(.locked) .gate { display: none; }
.gate::after {
  content: '';
  position: absolute; inset: 0;
  background-image: var(--grain);
  opacity: .3;
  mix-blend-mode: overlay;
  pointer-events: none;
}
.gate-card {
  position: relative;
  z-index: 1;
  width: min(430px, 100%);
  text-align: left;
  animation: gate-in .7s var(--ease) both;
}
@keyframes gate-in { from { opacity: 0; transform: translateY(14px); } }

.gate .wordmark { font-size: 1rem; display: inline-block; margin-bottom: 2.4rem; }
.gate .eyebrow { color: var(--ice); }
.gate h1 {
  font-size: clamp(1.85rem, 4.6vw, 2.5rem);
  margin-bottom: .75rem;
}
.gate p {
  font-size: .925rem;
  color: rgba(244, 241, 235, .74);
  margin-bottom: 1.7rem;
  max-width: 34ch;
}
.gate form { display: flex; gap: 10px; flex-wrap: wrap; }
.gate input {
  flex: 1 1 200px;
  min-width: 0;
  font-family: var(--mono);
  font-size: .95rem;
  color: var(--cream);
  background: rgba(244, 241, 235, .06);
  border: 1px solid rgba(244, 241, 235, .26);
  border-radius: 0;
  padding: .82em .95em;
  transition: border-color .2s var(--ease), background .2s var(--ease);
}
.gate input::placeholder { color: rgba(244, 241, 235, .38); }
.gate input:focus {
  outline: none;
  border-color: var(--ice);
  background: rgba(244, 241, 235, .1);
}
.gate .btn { flex: none; }
.gate .err {
  min-height: 1.3em;
  margin: 1rem 0 0;
  font-family: var(--mono);
  font-size: .715rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--clay-soft);
  opacity: 0;
  transition: opacity .2s var(--ease);
}
.gate .err.show { opacity: 1; }
.gate-card.shake { animation: shake .42s var(--ease); }
@keyframes shake {
  10%, 90% { transform: translateX(-2px); }
  20%, 80% { transform: translateX(4px); }
  30%, 50%, 70% { transform: translateX(-7px); }
  40%, 60% { transform: translateX(7px); }
}
@media (prefers-reduced-motion: reduce) {
  .gate-card, .gate-card.shake { animation: none; }
}

.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;
}

/* descenders need room inside the word masks */
.kin .w { padding-bottom: .14em; margin-bottom: -.14em; }