@import url('assets/fonts.css');
:root{--paper:#fcf9f2;--ink:#080808;--muted:#54534e;--line:#d7d5cd}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,Arial,sans-serif;line-height:1.6}h1,h2,h3{font-family:'PT Serif',Georgia,serif;line-height:1.2;letter-spacing:-.0704px}h1{font-size:clamp(40px,4.4vw,64px);font-weight:700;margin:0 0 26px}h2{font-size:clamp(32px,3.2vw,48px);font-weight:400;margin:18px 0 28px}h3{font-size:30px;font-weight:400;margin:10px 0 18px}p{font-size:17px;margin:0 0 20px}a{color:inherit;text-underline-offset:5px}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #a58952;outline-offset:5px}header{max-width:1440px;padding:48px 6.5%;margin:auto;display:flex;align-items:center;gap:48px}.logo{width:76px;height:52px;object-fit:contain}nav{display:flex;gap:34px;align-items:center;flex:1}nav a{font-size:14px;text-decoration:none;color:var(--muted)}nav a[aria-current=page]{color:#000;font-weight:600}.button{display:inline-flex;align-items:center;justify-content:center;background:#000;color:#fff;text-decoration:none;font-size:14px;line-height:1.4;padding:16px 23px;border:1px solid #000;cursor:pointer;gap:8px;transition:background .15s}.button:hover{background:#333}.button.outline{color:#000;background:transparent}.button.outline:hover{background:#eeede6}header>.button{border-radius:14px;white-space:nowrap}.wrap{max-width:1440px;margin:auto;padding:0 7.6%}.hero{display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:center;min-height:680px;padding-top:105px;padding-bottom:85px}.hero p{font-size:18px;max-width:520px}.hero figure{margin:0}.hero img{display:block;width:100%;height:590px;object-fit:cover}.hero figcaption{font-size:10px;color:var(--muted);padding-top:8px}.actions{display:flex;gap:16px;flex-wrap:wrap;margin-top:30px}.kicker{font-size:13px;font-weight:500;margin-bottom:15px}.section{padding:95px 0;border-top:1px solid var(--line)}.split{display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:start}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:38px;margin:45px 0}.card{border-top:1px solid var(--line);padding:25px 0}.card p{font-size:15px;color:var(--muted)}.number{font-size:12px;color:var(--muted)}.photo{width:100%;max-height:520px;object-fit:cover}.aside{font-size:13px;color:var(--muted);max-width:800px}.note{border-left:2px solid #9c875b;padding:10px 0 10px 20px;font-size:14px;line-height:1.7;color:var(--muted);margin:25px 0}.black{background:#080808;color:var(--paper)}.black .button{background:var(--paper);color:#000;border-color:var(--paper)}.black p{color:#d9d7cd}.black .outline{background:transparent;color:var(--paper)}.black .card{border-color:#46443e}.black .card p{color:#d9d7cd}details{border-bottom:1px solid var(--line);padding:22px 0}summary{font-size:17px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:25px}summary:after{content:'+';font-size:22px}details[open] summary:after{content:'−'}details p{font-size:15px;color:var(--muted);margin:18px 0 5px;white-space:pre-line}.faq-group{margin-top:65px}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.article{border-top:1px solid var(--line);padding:25px 0;text-decoration:none}.article h3{font-size:24px}.article p{font-size:14px;color:var(--muted)}.article small{font-size:11px;color:var(--muted)}.calculator{border:1px solid var(--line);padding:30px;background:#f2f0e7}label{display:block;font-size:14px;margin:18px 0 8px}input{width:100%;background:var(--paper);border:1px solid #999;padding:13px;font:inherit}.results{margin:25px 0 0;padding:0;list-style:none}.results li{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding:12px 0;gap:20px;font-size:14px}.results strong{white-space:nowrap}footer{padding:65px 0 45px;border-top:1px solid var(--line)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:50px}.footer-grid p{font-size:12px;color:var(--muted)}.footer-grid a{display:block;font-size:13px;margin-bottom:10px;text-decoration:none}.footer-bottom{margin-top:45px;font-size:11px;color:var(--muted);border-top:1px solid var(--line);padding-top:20px}.review{font-size:11px;text-align:center;padding:9px;background:#eeece3;color:#5c584b}.page-head{padding-top:85px;padding-bottom:65px;max-width:950px}.page-head p{font-size:19px}.legal{max-width:850px;padding-bottom:90px}.legal h2{font-size:27px}.legal p{font-size:15px}.mobile-menu{display:none}.pill{font-size:11px;border:1px solid var(--line);padding:6px 10px;display:inline-block;margin:0 0 20px}.service-list{padding-left:20px;line-height:2}.service-list li{font-size:16px}.wide{max-width:950px}blockquote{margin:25px 0;font-family:'PT Serif',Georgia,serif;font-size:30px}.risk{font-size:13px;color:var(--muted);margin-top:25px}.text-link{display:inline-block;margin-top:12px}.scroll-top{float:right} @media(max-width:1050px){header{gap:25px;padding:30px 5%}nav{gap:18px}nav a{font-size:12px}header>.button{font-size:12px;padding:13px 16px}.hero{gap:5%;padding-top:65px;min-height:600px}.hero img{height:480px}.wrap{padding:0 6%}.cards{gap:22px}} @media(max-width:760px){header{padding:22px 6%;flex-wrap:wrap;gap:20px}.logo{width:62px;height:42px}header>.button{margin-left:auto}nav{order:3;flex-basis:100%;gap:18px;overflow:auto;padding-top:10px;white-space:nowrap}.hero{grid-template-columns:1fr;padding-top:55px;padding-bottom:55px;gap:40px;min-height:0}.hero img{height:440px}.section{padding:60px 0}.split,.cards,.article-grid,.footer-grid{grid-template-columns:1fr;gap:25px}.cards{margin:30px 0}.page-head{padding:55px 0 35px}.actions{gap:12px}.actions .button{font-size:13px}.section h2{max-width:550px}.calculator{padding:22px}h1{font-size:43px}.split .photo{max-height:400px}.footer-grid{gap:25px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.logo{transform:scale(1.75);transform-origin:center}

@media(max-width:760px){nav{flex-wrap:wrap;overflow:visible;row-gap:12px}}

/* Investor edition: editorial hierarchy and meaningful diagrams. */
.invest-hero{padding:70px 0 65px}.invest-hero h1{font-size:clamp(44px,5.5vw,78px);line-height:1.12;max-width:1000px}.invest-hero em{color:#234e3b;font-weight:400}.intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:9%;max-width:1020px;margin:36px 0 20px}.intro-grid p{font-size:19px}.plain-answer{border-left:2px solid #b09153;padding-left:28px}.diagram-section{background:#fff;padding:25px 0 45px}.invest-diagram{width:100%;display:block;max-width:1180px;margin:auto}.editorial-heading{max-width:740px}.invest-timeline{max-width:950px;margin:45px 0 0}.invest-timeline article{display:grid;grid-template-columns:70px 1fr;gap:28px;padding:35px 0;border-top:1px solid var(--line)}.invest-timeline article>span{font-family:Georgia,serif;font-size:48px;color:#8c7142;line-height:1.1}.invest-timeline h3{font-size:31px}.micro{font-size:14px;color:#365442;border-left:2px solid #9b885f;padding-left:16px}.green{background:#123d31;color:#fff}.green h2{font-size:clamp(42px,5vw,70px)}.example-grid{display:grid;grid-template-columns:1fr 1fr;gap:9%;margin-top:40px}.example-grid>div>p{color:#e4ece6}.example-calc{background:#fff;color:#15392d;padding:32px}.example-calc label{margin:0 0 16px;font-size:15px;display:flex;justify-content:space-between;gap:15px}.example-calc output{font-weight:700;font-size:22px}.example-calc input{accent-color:#987843;padding:0;background:transparent;min-height:40px;border:0}.calc-row{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #d9dfd9;padding:16px 0;font-size:15px}.calc-row.result{font-size:19px;font-weight:600;border-top:2px solid #15392d}.example-calc p{font-size:12px;margin-top:20px;color:#53645b}.example-calc #scenario{font-size:15px;color:#15392d}.two-columns{display:grid;grid-template-columns:1fr 1fr;gap:8%;margin-top:40px}.two-columns h3{font-size:29px}.statement{border-top:1px solid #193e30;margin-top:38px;padding:30px 0;max-width:960px}.statement strong{font-family:Georgia,serif;font-size:27px;font-weight:400}.statement p{margin-top:20px}.risk-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px 8%;margin:40px 0}.risk-grid article{border-top:1px solid var(--line);padding-top:24px}.risk-grid h3{font-size:28px}.risk-grid p{font-size:16px;color:var(--muted)}.invest-docs{max-width:960px}.end-cta{margin-top:70px;max-width:800px}.end-cta .text-link{display:block;margin-top:25px}
@media(max-width:760px){.invest-hero{padding:45px 0}.invest-hero h1{font-size:44px}.intro-grid,.example-grid,.two-columns,.risk-grid{grid-template-columns:1fr;gap:24px}.intro-grid p{font-size:17px}.invest-timeline article{grid-template-columns:34px 1fr;gap:20px;padding:28px 0}.invest-timeline article>span{font-size:35px}.invest-timeline h3{font-size:26px}.example-calc{padding:22px}.calc-row{font-size:13px}.calc-row.result{font-size:15px}.diagram-section .wrap{padding:0 3%}.diagram-section .text-link{margin-left:3%}.plain-answer{padding-left:20px}.risk-grid{gap:14px}.statement strong{font-size:23px}}

.category-icon{display:block;width:64px;height:64px;object-fit:contain;margin-bottom:24px}.card:has(.category-icon){padding-top:28px}

.reading{max-width:800px;margin:60px auto 100px}.reading h1{font-size:clamp(36px,4vw,58px);margin-top:24px}.reading h2{font-size:32px;margin-top:48px}.reading li{margin-bottom:12px}.article-intro{font-size:22px}.article{display:block}.article:hover h3{text-decoration:underline;text-underline-offset:6px}@media(max-width:760px){.reading{margin-top:35px}.reading h2{font-size:27px}}