*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:#0d1b2a;color:#1A1A1A;line-height:1.7;font-size:16px;-webkit-font-smoothing:antialiased;overflow-x:hidden;padding-bottom:72px}
h1,h2,h3,h4{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1.2;color:#0d1b2a;letter-spacing:-0.01em}
h1{font-size:clamp(30px,6vw,50px)}
h2{font-size:clamp(24px,5vw,34px);margin:30px 0 12px}
h3{font-size:clamp(18px,4vw,23px);margin:22px 0 8px}
p{margin-bottom:14px;color:#ffffff}
em{color:#19d185;font-style:italic}
b,strong{color:#0d1b2a;font-weight:700}
a{color:#19d185;text-decoration:none}a:hover{color:#8B6914;text-decoration:underline}
.container{width:100%;max-width:880px;margin:0 auto;padding:0 18px}
.wide{max-width:1100px}
.eyebrow{font-size:11px;color:#19d185;letter-spacing:2.5px;text-transform:uppercase;font-weight:700}
.topstrip{background:#0d1b2a;color:#19d185;font-size:10px;padding:8px 12px;text-align:center;letter-spacing:1px;text-transform:uppercase}
.topstrip a{color:#F4D772;font-weight:600}
.breadcrumb{background:#F4F1EA;font-size:12px;padding:9px 0;color:#6B6B6B}
.breadcrumb a{color:#8B6914}.breadcrumb span{color:#19d185}
.navbar{background:#FFF;border-bottom:1px solid #24405e;position:sticky;top:0;z-index:100}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:12px 18px;max-width:1100px;margin:0 auto}
.logo{display:flex;align-items:center;gap:10px}
.logo-mark{width:38px;height:38px;background:linear-gradient(135deg,#19d185,#19d185,#F4D772);color:#0d1b2a;font-family:'Cormorant Garamond',serif;font-size:20px;font-weight:700;display:flex;align-items:center;justify-content:center;border-radius:50%}
.logo-text{font-family:'Cormorant Garamond',serif;font-size:20px;color:#0d1b2a;font-weight:600;letter-spacing:1px}
.logo-sub{display:block;color:#8B6914;font-size:9px;letter-spacing:2px;text-transform:uppercase;margin-top:-2px}
.nav-cta{display:flex;align-items:center;gap:8px}
.nav-phone{display:none;color:#19d185;font-size:13px;font-weight:600}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;font-weight:600;font-size:12px;letter-spacing:1px;text-transform:uppercase;border-radius:6px;transition:all .2s;cursor:pointer;border:none;min-height:44px;white-space:nowrap}
.btn-gold{background:linear-gradient(135deg,#19d185,#19d185);color:#0d1b2a;box-shadow:0 4px 12px rgba(184,134,11,.25)}
.btn-gold:hover{transform:translateY(-1px);text-decoration:none}
.btn-outline{background:transparent;color:#19d185;border:1.5px solid #19d185}
.btn-outline:hover{background:#19d185;color:#FFF;text-decoration:none}
.btn-sm{padding:9px 14px;font-size:11px;min-height:36px}
.hero{background:linear-gradient(180deg,#FFF,#0d1b2a);border-bottom:1px solid #24405e;padding:30px 0 34px}
.hero h1{margin-bottom:14px;text-wrap:balance}
.meta{font-size:12.5px;color:#6B6B6B;margin-bottom:14px}.meta b{color:#0d1b2a}
.standfirst{font-size:18px;color:#ffffff;line-height:1.6;margin-bottom:18px}
.hero-ctas{display:flex;gap:10px;flex-wrap:wrap}
.toc{background:#FFF;border:1px solid #24405e;border-radius:12px;padding:16px 20px;margin:18px 0}
.toc b{font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:#19d185}
.toc ul{list-style:none;margin-top:8px;columns:2;column-gap:24px}
.toc li{margin-bottom:5px;font-size:14px}
article{padding:24px 0 10px}
.tldr{background:linear-gradient(135deg,#0d1b2a,#1A1A1A);color:#FFF;padding:22px 24px;border-radius:14px;margin:6px 0 22px}
.tldr h2{color:#19d185;margin:0 0 8px;font-size:22px}.tldr p{color:#E8E8E8;font-size:15px;margin:0}
.prose p{margin-bottom:15px}.prose ul{margin:0 0 16px;padding-left:22px}.prose li{margin-bottom:8px;color:#ffffff}
table{width:100%;border-collapse:collapse;background:#FFF;border:1px solid #24405e;border-radius:12px;overflow:hidden;font-size:14px;margin:18px 0;display:block;overflow-x:auto}
thead{background:#0d1b2a}
th{font-family:'Cormorant Garamond',serif;font-size:14px;padding:12px;text-align:left;color:#19d185;white-space:nowrap}
td{padding:11px 12px;border-bottom:1px solid #24405e;color:#1A1A1A;vertical-align:top}
tr:last-child td{border-bottom:none}
.price{font-family:'Cormorant Garamond',serif;color:#19d185;font-weight:700;font-size:16px;white-space:nowrap}
.note{background:#FFF9E6;border:1px solid #E8D8A8;border-radius:10px;padding:14px 16px;font-size:14px;color:#5A4A1A;margin:16px 0}
.note b{color:#0d1b2a}
.hack{background:#EAF6EE;border:1px solid #A8D8BE;border-radius:10px;padding:14px 16px;font-size:14px;color:#1A4A2E;margin:16px 0}
.hack b{color:#0F3D22}
.xfer{background:linear-gradient(135deg,#FFF9E6,#0d1b2a);border:1px solid #19d185;border-radius:14px;padding:24px;margin:26px 0}
.xfer h3{margin:0 0 8px;color:#0d1b2a}.xfer p{font-size:14.5px;margin-bottom:14px}
.faq{margin:8px 0}
.faq details{background:#FFF;border:1px solid #24405e;border-radius:10px;margin-bottom:10px}
.faq details[open]{border-color:#19d185}
.faq summary{padding:15px 18px;cursor:pointer;font-weight:600;color:#0d1b2a;font-size:15px;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';color:#19d185;font-weight:700;font-size:20px;line-height:1}
.faq details[open] summary::after{content:'\2212'}
.faq .a{padding:0 18px 16px;color:#ffffff;font-size:14.5px}
.cluster{background:#FFF;border-top:1px solid #24405e;padding:30px 0}
.cluster-grid{display:grid;grid-template-columns:1fr;gap:10px;margin-top:14px}
.cl-card{display:flex;justify-content:space-between;align-items:center;gap:12px;background:#0d1b2a;border:1px solid #24405e;border-radius:10px;padding:14px 16px;font-size:14px;transition:all .2s}
.cl-card:hover{border-color:#19d185;background:#FFF;text-decoration:none;box-shadow:0 4px 14px rgba(184,134,11,.08)}
.cl-card .nm{font-weight:600;color:#0d1b2a;line-height:1.3}
.cl-card .ar{color:#19d185;font-weight:700;flex-shrink:0}
.cl-card.here{border-color:#19d185;background:#FFF9E6}
.cta-banner{background:linear-gradient(135deg,#0d1b2a,#1A1A1A);text-align:center;color:#FFF;padding:42px 0;margin-top:20px}
.cta-banner h2{color:#FFF;margin:0 0 10px}.cta-banner h2 em{color:#19d185}
.cta-banner p{color:#D4D4D4;font-size:14px;margin:0 auto 20px;max-width:60ch}
.cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
footer{background:#0d1b2a;color:#D4D4D4;padding:34px 0 18px;font-size:14px}
.foot-grid{display:grid;grid-template-columns:1fr;gap:22px;margin-bottom:22px;max-width:1100px;margin-left:auto;margin-right:auto;padding:0 18px}
.foot-brand b{font-family:'Cormorant Garamond',serif;font-size:22px;color:#19d185}
footer h5{color:#19d185;font-size:11px;letter-spacing:2px;text-transform:uppercase;margin-bottom:10px}
footer ul{list-style:none}footer li{margin-bottom:7px}
footer a{color:#D4D4D4;font-size:13px}footer a:hover{color:#19d185}
.foot-bot{border-top:1px solid #2A2A2A;padding-top:14px;font-size:10px;color:#8B8B8B;letter-spacing:1px;text-transform:uppercase;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;max-width:1100px;margin:0 auto;padding-left:18px;padding-right:18px}
.disc{font-size:12px;color:#9A9A9A;margin-top:18px;font-style:italic}
.mobile-cta{position:fixed;bottom:0;left:0;right:0;z-index:50;background:#FFF;border-top:1px solid #24405e;padding:8px;display:flex;gap:6px;box-shadow:0 -4px 12px rgba(0,0,0,.08)}
.mobile-cta .btn{flex:1;padding:10px 4px;font-size:10px;min-height:42px;letter-spacing:.5px}
@media(min-width:760px){.nav-phone{display:inline}.cluster-grid{grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:2fr 1fr 1fr}}
@media(min-width:900px){body{padding-bottom:0}.mobile-cta{display:none}}

/* readability fix 2026-09-13: solid dark ground, light text */
.xfer{background:#0d1b2a}
.xfer h2,.xfer h3{color:#eef2f0}
.xfer p{color:#cfd7d3}
.xfer strong,.xfer b,.xfer em{color:#ffffff}