:root{--ink-950: #000000;--ink-900: #08080a;--ink-850: #0e0e11;--ink-800: #141417;--ink-700: #1c1c20;--ink-500: #34343b;--gold-100: #f6e9c4;--gold-200: #ecd597;--gold-300: #dcbc6e;--gold-400: #c9a24e;--gold-500: #b0883b;--gold-600: #927031;--gold-700: #6e5224;--cream-50: #fbf8f1;--cream-100: #f3eddf;--cream-200: #e6dcc6;--cream-300: #c9bda0;--warm-500: #79746b;--bg: var(--cream-50);--surface: #ffffff;--surface-2: var(--cream-100);--text: #1a1814;--text-muted: #5c574e;--link: var(--gold-700);--border: var(--cream-200);--accent: var(--gold-400);--ok: #2f6b3a;--err: #9b2c1f;--gradient-gold-cta: linear-gradient(135deg, #927031 0%, #c9a24e 45%, #dcbc6e 100%);--gradient-ink: linear-gradient(180deg, #141417 0%, #000000 100%);--font-display: "Cormorant Garamond", Georgia, "Times New Roman", serif;--font-body: "Hanken Grotesk", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--font-eyebrow: "Cinzel", Georgia, serif;--font-mono: "IBM Plex Mono", ui-monospace, SFMono-Regular, Menlo, monospace;--radius: 10px;--shadow: 0 1px 2px rgba(20, 20, 23, .06), 0 6px 24px rgba(20, 20, 23, .06);--focus: 0 0 0 3px var(--cream-50), 0 0 0 5px var(--gold-600);--wrap: 1120px;--wrap-narrow: 760px}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--text);font:400 1.0625rem/1.65 var(--font-body);text-rendering:optimizeLegibility}[hidden]{display:none!important}img{max-width:100%;height:auto;display:block}a{color:var(--link);text-underline-offset:.18em}a:hover{color:var(--ink-900)}:focus-visible{outline:none;box-shadow:var(--focus);border-radius:4px}h1,h2,h3{font-family:var(--font-display);font-weight:600;line-height:1.15;color:var(--ink-900);margin:1.6em 0 .5em}h1{font-size:clamp(2.1rem,5.5vw,3.3rem);margin-top:.2em}h2{font-size:clamp(1.6rem,3.6vw,2.2rem)}h3{font-size:1.35rem}p{margin:0 0 1em}.small{font-size:.875rem}.muted{color:var(--text-muted)}.fig{font-family:var(--font-mono);font-variant-numeric:tabular-nums;font-size:.95em;white-space:nowrap}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.skip{position:absolute;left:16px;top:-60px;background:var(--gold-300);color:var(--ink-900);padding:8px 14px;z-index:10;border-radius:6px}.skip:focus{top:8px}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}.wrap--narrow{max-width:var(--wrap-narrow)}@media(min-width:720px){.wrap{padding:0 24px}}.section{margin:3.5rem auto}.eyebrow{font-family:var(--font-eyebrow);font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-700);margin:0 0 .6em}.band--ink{background:var(--gradient-ink);color:var(--cream-100)}.band--ink a{color:var(--gold-200)}.band--ink a:hover{color:var(--gold-100)}.band--ink .eyebrow{color:var(--gold-300)}.band--ink :focus-visible{box-shadow:0 0 0 3px var(--ink-900),0 0 0 5px var(--gold-300)}.site-header{border-bottom:1px solid rgba(201,162,78,.18)}.site-header__in{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:72px;flex-wrap:wrap}.brand img{width:92px;height:auto}@media(min-width:720px){.brand img{width:116px}}.nav{display:flex;flex-wrap:wrap;gap:4px 18px;list-style:none;margin:0;padding:8px 0;font-size:.95rem;font-weight:500}.nav a{text-decoration:none;padding:6px 2px;display:inline-block}.nav a[aria-current=page]{border-bottom:2px solid var(--gold-400)}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:4px;padding:14px 0 0;margin:0;font-size:.85rem;color:var(--text-muted)}.crumbs li+li:before{content:"›";margin:0 6px 0 2px}.site-footer{margin-top:4rem;padding:2.5rem 0 2rem;font-size:.9rem}.site-footer__top{display:flex;flex-wrap:wrap;gap:20px 40px;align-items:flex-start;justify-content:space-between;margin-bottom:1.5rem}.footer-links{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:6px 28px}.site-footer__fine{color:var(--cream-300);font-size:.8rem;max-width:70ch}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 24px;border-radius:999px;font:600 1rem/1.2 var(--font-body);text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .15s ease,filter .15s ease}.btn:hover{transform:translateY(-1px)}.btn--gold,.band--ink .btn--gold{background:var(--gradient-gold-cta);color:var(--ink-900)}.btn--gold:hover,.band--ink .btn--gold:hover{filter:brightness(1.06);color:var(--ink-900)}.btn--ghost{background:transparent;color:var(--ink-900);border-color:var(--gold-600)}.btn--ghost-light,.band--ink .btn--ghost-light{background:transparent;color:var(--cream-50);border-color:#dcbc6e99}.btn[disabled]{opacity:.6;cursor:progress}.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.25rem 0}.hero{padding:3.5rem 0 4rem}.hero__h{color:var(--cream-50);font-size:clamp(2.2rem,6.5vw,3.9rem);max-width:18ch;margin:.2em 0 .4em}.hero__h em{color:var(--gold-300);font-style:italic}.hero__lede{font-size:1.15rem;max-width:60ch;color:var(--cream-100)}.hero__fine{font-size:.8rem;color:var(--cream-300)}.page-head{padding-top:1.5rem}.lede{font-size:1.15rem;color:var(--text-muted);max-width:65ch}.article__head{padding-top:1.5rem}.answer{background:var(--surface);border:1px solid var(--border);border-left:4px solid var(--gold-400);border-radius:var(--radius);padding:16px 20px;margin:1rem 0 1.25rem;box-shadow:var(--shadow);font-size:1.08rem}.answer p:last-child{margin-bottom:0}.answer__label{font-family:var(--font-eyebrow);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-700);margin-bottom:.4em}.byline{margin-bottom:1.5rem}.prose{font-size:1.0625rem}.prose h2{margin-top:1.8em}.prose ul,.prose ol{padding-left:1.3em}.prose li{margin:.3em 0}.prose table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.95rem;display:block;overflow-x:auto}.prose th,.prose td{border-bottom:1px solid var(--border);padding:8px 10px;text-align:left}.prose blockquote{margin:1.2em 0;padding:.2em 1em;border-left:3px solid var(--gold-400);color:var(--text-muted)}.cards,.industry-grid{list-style:none;padding:0;margin:1rem 0;display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(min(100%,260px),1fr))}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:16px 18px;box-shadow:var(--shadow)}.card--link{position:relative}.card--link>a{font-family:var(--font-display);font-size:1.3rem;font-weight:600;color:var(--ink-900);text-decoration:none}.card--link>a:after{content:"";position:absolute;inset:0}.card--link:hover{border-color:var(--gold-400)}.card--link:focus-within{box-shadow:var(--focus)}.card--link p{margin:.4em 0 0}.cta{margin:3rem 0}.cta--band .cta__in{background:var(--gradient-ink);color:var(--cream-100);border-radius:16px;padding:32px 24px}.cta--band .cta__h{color:var(--cream-50);margin-top:0}.cta--band .eyebrow{color:var(--gold-300)}.cta--inline .cta__in{border:1px solid var(--gold-400);background:var(--surface);border-radius:16px;padding:24px}.cta--inline .cta__h{margin-top:0}.author{display:flex;gap:16px;align-items:flex-start;border-top:1px solid var(--border);padding-top:1.5rem;margin-top:2.5rem}.author__avatar{flex:0 0 56px;height:56px;border-radius:50%;background:var(--gradient-ink);color:var(--gold-300);display:grid;place-items:center;font-family:var(--font-eyebrow);font-weight:600}.author__name{font-family:var(--font-display);font-size:1.35rem;font-weight:600;margin:0 0 .2em}.author__name a{color:var(--ink-900)}.faq__item{border-bottom:1px solid var(--border);padding:12px 0}.faq__item summary{cursor:pointer;font-weight:600;min-height:32px}.faq__item p{margin:.6em 0 .2em}.calc{margin:2.5rem 0;background:var(--surface);border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow);overflow:hidden}.calc__panel{padding:22px 18px 6px;background:var(--surface-2);border-bottom:1px solid var(--border)}.calc__h{margin-top:0}.calc__form{display:grid;gap:14px;grid-template-columns:1fr}@media(min-width:720px){.calc__panel{padding:28px 28px 8px}.calc__form{grid-template-columns:2fr 1fr;align-items:start}.calc--teaser .calc__form{grid-template-columns:minmax(0,360px)}}.calc__out{padding:18px;min-height:160px}@media(min-width:720px){.calc__out{padding:28px}}.field{display:grid;gap:6px}.field label{font-weight:600;font-size:.95rem}.field input,.field select{font:inherit;min-height:48px;padding:10px 12px;border-radius:8px;border:1px solid var(--cream-300);background:#fff;color:var(--text);width:100%}.field input:focus-visible,.field select:focus-visible{border-color:var(--gold-600)}.field p{margin:0}.input-prefix{position:relative}.input-prefix>span{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-family:var(--font-mono);color:var(--text-muted)}.input-prefix input{padding-left:26px;font-family:var(--font-mono)}.field--check{grid-template-columns:24px 1fr;align-items:start}.field--check input{min-height:22px;width:22px;height:22px;margin:2px 0 0;accent-color:var(--gold-600)}.field--check label{font-weight:400;font-size:.9rem}.tag{display:inline-block;font:600 .72rem/1 var(--font-body);letter-spacing:.04em;text-transform:uppercase;background:var(--gold-100);color:var(--gold-700);border-radius:999px;padding:5px 10px;vertical-align:middle}.tag--alt{background:var(--ink-800);color:var(--gold-200)}.teaser-line{font-size:1.15rem;margin:.5em 0}.results__h{margin-top:0}.scenarios{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));margin:1rem 0 1.5rem}.scenario{border:1px solid var(--border);border-radius:var(--radius);padding:18px;background:var(--surface)}.scenario--best{border-top:4px solid var(--gold-400)}.scenario--worst{border-top:4px solid var(--ink-700)}.scenario__title{margin:0 0 .2em}.scenario__desc{color:var(--text-muted);font-size:.92rem}.scenario__headline{font-family:var(--font-display);font-size:1.5rem;line-height:1.25;color:var(--ink-900)}.scenario__headline .fig{font-size:.9em}.kv{margin:.5rem 0 1rem;display:grid;gap:0}.kv>div{display:flex;justify-content:space-between;gap:14px;padding:7px 0;border-bottom:1px dashed var(--border)}.kv dt{color:var(--text-muted);font-size:.92rem}.kv dd{margin:0;text-align:right}.upfront{background:var(--surface-2);border-radius:var(--radius);padding:16px 18px;margin-bottom:1.25rem}.upfront h3{margin-top:0}.years-details summary{cursor:pointer;font-weight:600;padding:8px 0}.table-wrap{overflow-x:auto;margin:.75rem 0 1.25rem;border:1px solid var(--border);border-radius:var(--radius)}.years{border-collapse:collapse;width:100%;min-width:480px;font-size:.92rem;background:var(--surface)}.years caption{text-align:left;font-weight:600;padding:10px 12px;background:var(--surface-2)}.years th,.years td{padding:8px 12px;border-bottom:1px solid var(--border);text-align:right}.years th[scope=row]{text-align:left;font-weight:500;color:var(--text-muted)}.years thead th{font-weight:600;color:var(--ink-900)}.years thead th .small{display:block;font-weight:400}.years tr.total th,.years tr.total td{background:var(--gold-100);color:var(--ink-900)}.disclaimer-short{font-size:.82rem;color:var(--text-muted);border-top:1px solid var(--border);padding-top:.9rem;margin-top:1rem}.report{margin-top:2.5rem;padding-top:2rem;border-top:2px solid var(--gold-400)}.report__title{margin-top:0}.report__place{color:var(--text-muted);margin-top:-.4em}.gallery{display:grid;gap:8px;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));margin:1rem 0 1.5rem}.gallery img{width:100%;aspect-ratio:3 / 2;object-fit:cover;border-radius:8px;background:var(--cream-100)}.gallery--empty{grid-template-columns:1fr;max-width:360px}.gallery--empty img{background:#000;object-fit:contain}.report__grid{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr))}.report__grid h3{margin-top:.8em}.report__grid h3:first-child{margin-top:0}.assumptions li{margin:.35em 0}.disclosures,.disclaimer-full{font-size:.9rem;color:var(--text-muted)}.disclaimer-full{background:var(--surface-2);border-radius:var(--radius);padding:14px 18px;margin:1.5rem 0}.disclaimer-full h3{margin-top:0;font-size:1.1rem}.report-ctas{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));margin-top:1.5rem}.report-ctas__webinar{background:var(--gradient-ink);color:var(--cream-100);border-radius:16px;padding:24px}.report-ctas__webinar h3{color:var(--cream-50);margin-top:0}.report-form{border:1px solid var(--border);border-radius:16px;padding:24px;display:grid;gap:12px;background:var(--surface)}.report-form h3{margin:0}.form-status:empty{display:none}.form-status[data-kind=ok]{color:var(--ok);font-weight:600}.form-status[data-kind=err]{color:var(--err);font-weight:600}.unavailable{text-align:left;padding:8px 0}.unavailable h3{margin-top:0}@media(prefers-reduced-motion:reduce){*{transition:none!important}}
