:root{
  --navy:#17457A;--navy-dark:#0b2f57;--ink:#0e1a2a;--soft:#34445a;--muted:#627188;
  --cream:#f6f2e8;--paper:#fbf8ef;--rule:#d7ccb4;--gold:#c69653;--white:#fff;
  --serif:'Newsreader', Georgia, serif;--sans:'Manrope',system-ui,-apple-system,Segoe UI,sans-serif;
  --max:1180px;--gutter:clamp(20px,4vw,42px);--radius:18px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit}img{display:block;max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 var(--gutter)}.section{padding:clamp(58px,8vw,105px) 0}.eyebrow{margin:0 0 12px;font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--muted);font-weight:700}.serif{font-family:var(--serif)}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:var(--serif);font-weight:500;letter-spacing:-.02em}h1{font-size:clamp(48px,7vw,88px);line-height:.98;max-width:11ch}h2{font-size:clamp(31px,4.2vw,54px);line-height:1.05}h3{font-size:24px;line-height:1.14}.lead{font-size:19px;line-height:1.7;color:var(--soft)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:16px 24px;border-radius:4px;border:1px solid transparent;text-transform:uppercase;letter-spacing:.08em;font-weight:800;font-size:13px;text-decoration:none;white-space:nowrap}.btn-primary{background:var(--navy);color:var(--cream);box-shadow:0 18px 30px -20px rgba(23,69,122,.7)}.btn-primary:hover{background:var(--navy-dark)}.btn-ghost{border-color:#b8c2ce;background:rgba(255,255,255,.5);color:var(--ink)}.btn-white{background:var(--cream);color:var(--ink)}
.header{position:sticky;top:0;z-index:99;background:rgba(246,242,232,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--rule)}.header-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;line-height:1.08;min-width:230px;max-width:285px}.brand-name{display:block;font-family:var(--serif);font-size:23px;color:var(--ink);margin-bottom:4px}.brand-sub{display:block;color:var(--navy);font-size:10.5px;font-weight:800;line-height:1.25;letter-spacing:.01em}.nav{display:none;align-items:center;gap:22px;font-size:14px;white-space:nowrap}.nav a{text-decoration:none}.header-cta{display:flex;align-items:center;gap:12px;flex:0 0 auto}.phone{font-weight:800;text-decoration:none;white-space:nowrap;line-height:1}.header-cta .btn{min-height:48px;padding:14px 21px}.menu-btn{display:inline-flex;width:44px;height:44px;align-items:center;justify-content:center;background:transparent;border:1px solid var(--rule);border-radius:4px}.mobile-nav{display:none;border-top:1px solid var(--rule);background:var(--cream)}.mobile-nav.open{display:block}.mobile-nav a{display:block;padding:14px var(--gutter);text-decoration:none;border-bottom:1px solid var(--rule);min-height:48px}.desktop-phone{display:none}@media(min-width:960px){.nav{display:flex}.menu-btn{display:none}.desktop-phone{display:inline-flex}}@media(max-width:1100px){.nav{gap:16px;font-size:13px}.header-cta .btn{padding:13px 18px}.brand{min-width:215px}.desktop-phone{display:none}}@media(max-width:520px){.header-inner{min-height:68px}.header .btn-primary{display:none}.brand{min-width:0;max-width:240px}.brand-name{font-size:19px}.brand-sub{font-size:10px}}
.hero{position:relative;min-height:calc(100vh - 74px);overflow:hidden;isolation:isolate;background:var(--ink)}.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(246,242,232,.97) 0%,rgba(246,242,232,.93) 32%,rgba(246,242,232,.45) 56%,rgba(14,26,42,.08) 100%);z-index:1}.hero:after{content:"";position:absolute;inset:auto 0 0;height:36%;background:linear-gradient(0deg,rgba(14,26,42,.55),transparent);z-index:1}.hero-content{position:relative;z-index:2;padding:clamp(48px,7vw,86px) var(--gutter) 190px;max-width:var(--max);margin:auto}.hero-meta{font-size:14px;color:var(--soft);margin-bottom:24px}.hero-meta strong{display:block;font-family:var(--serif);font-size:32px;color:var(--ink);font-weight:500}.hero-sub{font-family:var(--serif);font-size:clamp(24px,3.2vw,40px);line-height:1.2;font-style:italic;max-width:650px;color:var(--ink);margin:22px 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.hero-note{font-size:13px;color:var(--soft);margin-top:14px}.trust-card{position:absolute;z-index:3;right:clamp(20px,4vw,70px);bottom:36px;width:min(430px,42vw);background:rgba(23,69,122,.97);color:var(--cream);border:1px solid var(--gold);padding:32px;box-shadow:0 24px 50px -25px #000}.trust-card h2{font-size:34px;color:var(--cream);margin-bottom:14px}.trust-card p{margin:0;color:rgba(246,242,232,.85)}@media(max-width:850px){.hero{min-height:auto}.hero:before{background:rgba(246,242,232,.9)}.hero-content{padding-bottom:28px}.trust-card{position:relative;right:auto;bottom:auto;width:auto;margin:0 var(--gutter) 24px}.hero-img{opacity:.45}h1{max-width:12ch}}
.process{background:var(--paper);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}.process-grid{display:grid;gap:0;grid-template-columns:1fr}.process-card{text-align:center;padding:30px 24px;border-bottom:1px solid var(--rule)}.process-icon{margin:0 auto 16px;width:64px;height:64px;border-radius:50%;background:var(--navy);color:var(--cream);display:flex;align-items:center;justify-content:center;font-size:28px}.process-card h3{font-family:var(--sans);font-size:14px;letter-spacing:.1em;text-transform:uppercase;font-weight:800}.process-card p{color:var(--soft);font-size:15px;margin:0 auto;max-width:230px}@media(min-width:800px){.process-grid{grid-template-columns:repeat(4,1fr)}.process-card{border-bottom:0}.process-card+.process-card{border-left:1px solid var(--rule)}}
.grid2{display:grid;gap:48px}.grid3{display:grid;gap:18px}.card{background:var(--white);border:1px solid var(--rule);border-radius:var(--radius);padding:28px;box-shadow:0 22px 44px -32px rgba(23,69,122,.35)}.list{list-style:none;margin:24px 0 0;padding:0;border-top:1px solid var(--rule)}.list li{padding:14px 0;border-bottom:1px solid var(--rule);display:flex;gap:12px;color:var(--soft)}.list li:before{content:"✓";color:var(--navy);font-weight:800}.dark{background:var(--ink);color:var(--cream)}.dark .lead,.dark p{color:rgba(246,242,232,.78)}.dark h2{color:var(--cream)}.prep-card{background:var(--paper);color:var(--ink);border:1px solid var(--rule);border-radius:var(--radius);padding:30px}.prep-step{display:grid;grid-template-columns:32px 1fr;gap:14px;padding:14px;border-radius:8px;background:rgba(236,229,211,.65);margin-top:12px}.prep-step b{display:flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--cream);font-family:var(--serif)}.markets{display:grid;gap:14px}.market-card{text-decoration:none;background:var(--white);border:1px solid var(--rule);border-radius:14px;padding:22px;min-height:140px;display:flex;flex-direction:column;justify-content:space-between}.market-card span{font-size:11px;text-transform:uppercase;letter-spacing:.18em;color:var(--navy);font-weight:800}.pills{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px}.pill{border:1px dashed var(--rule);border-radius:999px;padding:8px 13px;font-size:13px;color:var(--soft);background:var(--paper)}.faq details{border-bottom:1px solid var(--rule);padding:18px 0}.faq details:first-child{border-top:1px solid var(--rule)}.faq summary{cursor:pointer;font-family:var(--serif);font-size:22px}.faq p{color:var(--soft);margin:12px 0 0}.review-box{border:1px dashed var(--rule);background:var(--paper);border-radius:14px;padding:34px;text-align:center}.form{display:grid;gap:16px}.row{display:grid;gap:16px}.field label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.16em;color:var(--muted);font-weight:800;margin-bottom:8px}.field input,.field select,.field textarea{width:100%;min-height:50px;border:1px solid #cfc4a9;background:var(--paper);padding:14px;font:inherit;border-radius:4px}.field textarea{min-height:120px}.msg{display:none;padding:12px;border-radius:4px;font-size:14px}.msg.err{display:block;background:#fff1f1;color:#8b1e1e}.msg.ok{display:block;background:#eef8f1;color:#176138}.footer{background:var(--ink);color:rgba(246,242,232,.72);padding:60px 0 28px}.footer a{color:var(--cream)}.footer-grid{display:grid;gap:32px}.fine{font-size:12px;color:rgba(246,242,232,.55);border-top:1px solid rgba(255,255,255,.12);padding-top:22px;margin-top:34px}.call-bar{position:fixed;bottom:0;left:0;right:0;z-index:100;display:grid;grid-template-columns:repeat(3,1fr);background:var(--ink);padding-bottom:env(safe-area-inset-bottom)}.call-bar a{min-height:54px;display:flex;align-items:center;justify-content:center;color:var(--cream);text-decoration:none;text-transform:uppercase;font-size:13px;font-weight:800}.call-bar a+a{border-left:1px solid rgba(255,255,255,.12)}@media(min-width:720px){.call-bar{display:none}}@media(max-width:720px){body{padding-bottom:56px}}@media(min-width:900px){.grid2{grid-template-columns:5fr 7fr}.grid3{grid-template-columns:repeat(3,1fr)}.markets{grid-template-columns:repeat(5,1fr)}.row{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:2fr 1fr 1.5fr}}

/* Brokerage logo placement — transparent PNGs, no card wrappers */
.brokerage-strip{
  background:var(--paper);
  border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);
  padding:22px 0;
}
.brokerage-strip-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
}
.brokerage-copy{min-width:0}
.brokerage-copy .eyebrow{margin-bottom:4px}
.brokerage-copy p:last-child{margin:0;color:var(--soft);font-size:15px;font-weight:650}
.equity-logo{
  display:block;
  flex:0 0 auto;
  width:200px;
  max-width:36vw;
  height:auto;
  object-fit:contain;
}
.footer-equity-logo{
  display:block;
  width:170px;
  max-width:100%;
  height:auto;
  object-fit:contain;
  opacity:.85;
  margin:22px 0 18px;
}
@media(max-width:720px){
  .brokerage-strip-inner{align-items:flex-start;flex-direction:column;gap:14px}
  .equity-logo{width:185px;max-width:80vw}
  .footer-equity-logo{width:155px}
}

/* === v4 additions === */

/* Stats credibility grid inside trust-card (hero) */
.trust-card h2{margin-bottom:18px}
.trust-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px 14px;margin:6px 0 14px}
.trust-stat{display:flex;flex-direction:column;gap:2px}
.trust-stat b{font-family:var(--serif);font-size:32px;line-height:1;color:var(--cream);font-weight:500;letter-spacing:-.01em}
.trust-stat:nth-child(4) b{font-size:22px;letter-spacing:0}
.trust-stat span{font-size:11px;text-transform:uppercase;letter-spacing:.14em;color:rgba(246,242,232,.7);font-weight:700}
.trust-foot{font-size:12px;color:rgba(246,242,232,.65);margin:0;border-top:1px solid rgba(255,255,255,.18);padding-top:14px}

/* Quick Answer snippet box */
.quick-answer{padding:48px 0;background:var(--paper);border-bottom:1px solid var(--rule)}
.qa-card{background:var(--white);border-left:4px solid var(--navy);border-radius:6px;padding:32px clamp(22px,3vw,42px);box-shadow:0 18px 40px -32px rgba(23,69,122,.4)}
.qa-card h2{font-size:clamp(24px,3vw,36px);margin-bottom:18px}
.qa-card p{margin:0 0 14px;font-size:16px;line-height:1.7;color:var(--soft)}
.qa-card p:last-child{margin-bottom:0}
.qa-card a{color:var(--navy);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.qa-card a:hover{text-decoration-thickness:2px}
.qa-sources{font-size:14px;padding-top:14px;border-top:1px dashed var(--rule)}
.qa-sources strong{color:var(--ink);font-weight:700;margin-right:4px}

/* Prep ROI calculator */
.calc-section{background:rgba(236,229,211,.4)}
.calc-card{background:var(--white);border:1px solid var(--rule);border-radius:var(--radius);padding:30px;box-shadow:0 22px 44px -32px rgba(23,69,122,.35)}
.calc-field{margin-bottom:16px}
.calc-field label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.16em;color:var(--muted);font-weight:800;margin-bottom:8px}
.calc-input{display:flex;align-items:stretch;border:1px solid #cfc4a9;background:var(--paper);border-radius:4px;overflow:hidden}
.calc-input span{display:flex;align-items:center;padding:0 14px;background:rgba(23,69,122,.06);color:var(--navy);font-weight:800;font-family:var(--serif);font-size:18px}
.calc-input input{flex:1;border:0;background:transparent;padding:14px;font:inherit;font-size:16px;min-height:50px;outline:none}
.calc-input input:focus{background:rgba(255,255,255,.5)}
.btn-block{display:flex;width:100%;margin-top:8px}
.calc-out{margin-top:22px;padding-top:22px;border-top:1px solid var(--rule)}
.calc-row{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:1px solid rgba(215,204,180,.5)}
.calc-row span{font-size:13px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);font-weight:700}
.calc-row b{font-family:var(--serif);font-size:22px;color:var(--ink);font-weight:500}
.calc-verdict{margin:18px 0 0;padding:14px 16px;border-radius:4px;font-size:15px;line-height:1.5}
.calc-verdict.positive{background:#eef8f1;color:#176138;border-left:3px solid #176138}
.calc-verdict.marginal{background:#fff8e6;color:#7a5400;border-left:3px solid #c69653}
.calc-verdict.negative{background:#fff1f1;color:#8b1e1e;border-left:3px solid #8b1e1e}
.calc-verdict.neutral{background:var(--paper);color:var(--soft);border-left:3px solid var(--rule)}
.calc-disclaimer{font-size:12px;color:var(--muted);margin:14px 0 0;line-height:1.5}

/* Testimonials */
.testimonials{background:var(--paper)}
.testimonial-card{background:var(--white);border:1px solid var(--rule);border-radius:var(--radius);padding:28px;margin:0;display:flex;flex-direction:column;gap:14px;box-shadow:0 18px 36px -32px rgba(23,69,122,.3)}
.testimonial-feature{border-color:rgba(23,69,122,.3);background:linear-gradient(180deg,#fff,#fbf8ef)}
.testimonial-card .stars{color:var(--gold);font-size:18px;letter-spacing:2px}
.testimonial-card blockquote{margin:0;padding:0;border:0}
.testimonial-card blockquote p{font-family:var(--serif);font-size:18px;line-height:1.5;color:var(--ink);margin:0;font-style:italic}
.testimonial-feature blockquote p{font-size:21px}
.testimonial-card figcaption{display:flex;flex-direction:column;gap:2px;padding-top:14px;border-top:1px solid var(--rule)}
.testimonial-card figcaption strong{color:var(--ink);font-size:15px;font-weight:700}
.testimonial-card figcaption span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;font-weight:700}
.reviews-cta{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:38px}

/* Call bar: now 3 columns */
.call-bar{grid-template-columns:1fr 1fr 1fr}

/* Editorial standards page typography polish */
main h2{margin-top:36px}

@media(max-width:720px){
  .trust-stats{grid-template-columns:repeat(3,1fr);gap:10px}
  .trust-stat b{font-size:24px}
  .trust-stat span{font-size:10px}
  .qa-card{padding:24px 20px}
  .calc-card{padding:22px}
  .testimonial-feature blockquote p{font-size:18px}
}

/* v5 — reviews source line */
.reviews-source{margin:28px 0 0;text-align:center;font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;font-weight:700}

.hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}