:root{
  --ink:#14324A;
  --ink-2:#0C2233;
  --blue:#1B6CA8;
  --blue-soft:#E8F1F8;
  --gold:#C99B3F;
  --gold-soft:#F7EFDD;
  --paper:#F5F7F6;
  --white:#FFFFFF;
  --line:#DCE3E4;
  --body:#33454F;
  --alert:#A33B2B;
  --ok:#2E7D5B;
  --shadow:0 12px 34px rgba(12,34,51,.10);
  --r:10px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Public Sans',system-ui,sans-serif;color:var(--body);background:var(--white);font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Fraunces',serif;color:var(--ink);line-height:1.15;font-weight:600}
h1 em,h2 em{font-style:italic;color:var(--gold)}
img{max-width:100%}
a{color:var(--blue)}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-family:'Public Sans';font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.eyebrow.gold{color:var(--gold)}
section{padding:84px 0}
.section-head{max-width:760px;margin-bottom:44px}
.section-head h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin-bottom:14px}
.section-head p{font-size:1.05rem}

/* Topbar */
.topbar{background:var(--ink-2);color:#B9C9D4;font-size:.8rem;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.topbar a{color:#E4EDF2;text-decoration:none;font-weight:600;margin-left:18px;white-space:nowrap}
.topbar a:hover{color:var(--gold)}

/* Nav */
header.nav{position:sticky;top:0;z-index:900;background:var(--white);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{height:42px;width:auto;display:block}
.brand-mark-foot{height:40px;width:auto;display:block}
.brand-name{font-family:'Fraunces';font-weight:700;color:var(--ink);font-size:1.12rem;line-height:1.1}
.brand-sub{font-size:.68rem;color:#6B7E8A;letter-spacing:.08em;text-transform:uppercase;font-weight:600}
.nav-links{display:flex;align-items:center;gap:26px}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.92rem}
.nav-links a:hover{color:var(--blue)}
.btn{display:inline-block;border:none;cursor:pointer;font-family:'Public Sans';font-weight:700;font-size:.95rem;padding:14px 26px;border-radius:8px;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:var(--ink-2)}
.btn-gold:hover{box-shadow:0 8px 20px rgba(201,155,63,.35)}
.btn-outline{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.5)}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}
.btn-blue{background:var(--blue);color:#fff}
.nav-cta{padding:11px 20px;font-size:.88rem}
.hamburger{display:none;background:none;border:none;font-size:1.6rem;color:var(--ink);cursor:pointer}

/* Hero */
.hero{background:linear-gradient(160deg,var(--ink-2) 0%,var(--ink) 58%,#1A425F 100%);color:#D6E2EA;padding:96px 0 0;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-140px;width:520px;height:520px;border-radius:50%;border:1.5px dashed rgba(201,155,63,.28);pointer-events:none}
.hero::before{content:"";position:absolute;right:-40px;top:60px;width:320px;height:320px;border-radius:50%;border:1.5px dashed rgba(255,255,255,.10);pointer-events:none}
.hero .wrap{position:relative;z-index:2}
.hero-badge{display:inline-block;background:rgba(201,155,63,.14);border:1px solid rgba(201,155,63,.45);color:var(--gold);font-size:.74rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;padding:8px 16px;border-radius:999px;margin-bottom:26px}
.hero h1{color:#fff;font-size:clamp(2.3rem,5.4vw,3.7rem);max-width:760px;margin-bottom:24px}
.hero p.lede{max-width:700px;font-size:1.12rem;margin-bottom:36px}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:70px}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.14);padding:34px 0 44px;gap:24px}
.stat b{display:block;font-family:'Fraunces';font-size:1.7rem;color:var(--gold);font-weight:700;margin-bottom:4px}
.stat span{font-size:.84rem;color:#AFC2CE}

/* Plain-English cards */
.alt{background:var(--paper)}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:44px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:28px 24px}
.card .ic{width:46px;height:46px;border-radius:9px;background:var(--blue-soft);color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:1.25rem;margin-bottom:16px}
.card h4{font-size:1.04rem;margin-bottom:8px}
.card p{font-size:.92rem}
.prose-2col{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start}
.prose-2col p{margin-bottom:18px}
.prose-2col strong{color:var(--ink)}

/* Obligation panels */
.ob-list{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:40px}
.ob{background:var(--white);border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:var(--r);padding:26px 26px}
.ob .tag{font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:8px;display:block}
.ob h3{font-size:1.22rem;margin-bottom:10px}
.ob p{font-size:.95rem}
.ob.gold{border-left-color:var(--gold)}
.ob.gold .tag{color:var(--gold)}

/* NPI Stack calculator — signature element */
.stack-panel{background:var(--ink);border-radius:16px;color:#CFE0EA;padding:48px;display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center;box-shadow:var(--shadow)}
.stack-panel h3{color:#fff;font-size:1.6rem;margin-bottom:14px}
.stack-panel p{font-size:.97rem;margin-bottom:22px}
.stack-controls label{display:block;font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
input[type=range]{width:100%;accent-color:var(--gold);height:6px;cursor:pointer}
.stack-count{font-family:'Fraunces';font-size:2.6rem;color:#fff;font-weight:700;margin:10px 0 4px}
.stack-count small{font-size:1rem;color:#9FB6C4;font-family:'Public Sans';font-weight:600}
.stack-visual{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:30px}
.stack-bars{display:flex;align-items:flex-end;gap:5px;height:120px;margin-bottom:22px}
.stack-bars i{flex:1;background:linear-gradient(180deg,var(--gold),#9A7226);border-radius:3px 3px 0 0;min-width:6px;animation:rise .5s ease}
@keyframes rise{from{height:0 !important}}
.stack-total{display:flex;justify-content:space-between;align-items:baseline;border-top:1px solid rgba(255,255,255,.15);padding-top:18px}
.stack-total b{font-family:'Fraunces';font-size:2rem;color:var(--gold)}
.stack-total span{font-size:.82rem;color:#9FB6C4}
.stack-note{font-size:.8rem;color:#8FA8B7;margin-top:14px;line-height:1.5}

/* Elevated / alert box */
.callout{background:var(--gold-soft);border:1px solid #E5D3A8;border-radius:var(--r);padding:26px 28px;margin-top:36px}
.callout h4{color:#7A5B18;margin-bottom:8px;font-size:1.05rem}
.callout p{font-size:.94rem;color:#5C4A1E}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:44px;counter-reset:step}
.step{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:30px 24px;position:relative}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);font-family:'Fraunces';font-weight:700;font-size:2rem;color:var(--gold);display:block;margin-bottom:12px}
.step h4{font-size:1.02rem;margin-bottom:8px}
.step p{font-size:.9rem}
.docs{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:34px;margin-top:40px}
.docs h3{margin-bottom:20px;font-size:1.25rem}
.docs ul{list-style:none;display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px 28px}
.docs li{font-size:.93rem;padding-left:28px;position:relative}
.docs li::before{content:"▣";position:absolute;left:0;color:var(--blue)}
.docs li b{display:block;color:var(--ink)}

/* FAQ */
.faq-item{border:1px solid var(--line);border-radius:var(--r);margin-bottom:14px;background:var(--white);overflow:hidden}
.faq-item summary{cursor:pointer;padding:20px 24px;font-weight:700;color:var(--ink);font-size:1.02rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-family:'Fraunces';font-size:1.4rem;color:var(--gold);flex-shrink:0}
.faq-item[open] summary::after{content:"–"}
.faq-item .a{padding:0 24px 22px;font-size:.96rem}

/* CTA band */
.cta-band{background:linear-gradient(150deg,var(--ink-2),var(--ink));color:#D6E2EA;text-align:center;border-radius:18px;padding:70px 40px}
.cta-band h2{color:#fff;font-size:clamp(1.7rem,3.4vw,2.5rem);margin-bottom:16px}
.cta-band p{max-width:640px;margin:0 auto 32px;font-size:1.06rem}
.cta-band .hero-ctas{justify-content:center;margin-bottom:0}

/* Footer */
footer{background:var(--ink-2);color:#9FB3BF;padding:70px 0 34px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:44px;margin-bottom:46px}
footer h5{color:#fff;font-family:'Public Sans';font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
footer ul{list-style:none}
footer li{margin-bottom:10px}
footer a{color:#B9C9D4;text-decoration:none}
footer a:hover{color:var(--gold)}
.foot-brand p{margin-top:14px;line-height:1.6;font-size:.88rem}
.socials{display:flex;gap:12px;margin-top:20px;flex-wrap:wrap}
.socials a{width:38px;height:38px;border-radius:8px;border:1px solid rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center;color:#D6E2EA;font-size:.95rem;transition:all .15s}
.socials a:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
.socials svg{width:17px;height:17px;fill:currentColor}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:26px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.82rem;color:#7E93A1}

/* ===== Application overlay ===== */
.overlay{position:fixed;inset:0;background:rgba(12,34,51,.72);backdrop-filter:blur(3px);z-index:1000;display:none;align-items:flex-start;justify-content:center;overflow-y:auto;padding:40px 16px}
.overlay.open{display:flex}
.app-modal{background:var(--white);border-radius:16px;max-width:880px;width:100%;margin:auto;box-shadow:0 30px 80px rgba(0,0,0,.35);overflow:hidden;animation:pop .25s ease}
@keyframes pop{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.app-head{background:var(--ink);color:#fff;padding:28px 36px;position:relative}
.app-head .eyebrow{color:var(--gold);margin-bottom:6px}
.app-head h2{color:#fff;font-size:1.5rem}
.app-head p{color:#AFC2CE;font-size:.86rem;margin-top:4px}
.app-close{position:absolute;top:20px;right:22px;background:none;border:none;color:#AFC2CE;font-size:1.7rem;cursor:pointer;line-height:1}
.app-close:hover{color:var(--gold)}
.app-progress{display:flex;background:var(--paper);border-bottom:1px solid var(--line);overflow-x:auto}
.app-progress span{flex:1;text-align:center;padding:13px 8px;font-size:.72rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:#8AA0AC;border-bottom:3px solid transparent;white-space:nowrap}
.app-progress span.active{color:var(--blue);border-bottom-color:var(--gold);background:var(--white)}
.app-progress span.done{color:var(--ok)}
.app-body{padding:34px 36px;max-height:62vh;overflow-y:auto}
.app-step{display:none}
.app-step.active{display:block}
.app-step h3{font-size:1.25rem;margin-bottom:6px}
.app-step .hint{font-size:.9rem;color:#6B7E8A;margin-bottom:24px}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.frow.thirds{grid-template-columns:1fr 1fr 1fr}
.frow.single{grid-template-columns:1fr}
.field label{display:block;font-size:.8rem;font-weight:700;color:var(--ink);margin-bottom:6px}
.field label i{color:var(--alert);font-style:normal}
.field input,.field select,.field textarea{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:7px;font-family:'Public Sans';font-size:.94rem;color:var(--body);background:var(--white)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue)}
.field textarea{min-height:84px;resize:vertical}
.field.invalid input,.field.invalid select{border-color:var(--alert)}
.yn{display:flex;gap:10px}
.yn label{display:flex;align-items:center;gap:7px;font-size:.9rem;font-weight:600;color:var(--body);border:1.5px solid var(--line);border-radius:7px;padding:9px 16px;cursor:pointer;margin:0}
.yn input{width:auto;accent-color:var(--blue)}
.yn label:has(input:checked){border-color:var(--blue);background:var(--blue-soft);color:var(--ink)}
.qrow{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;padding:14px 0;border-bottom:1px solid var(--paper)}
.qrow p{font-size:.93rem;color:var(--ink);font-weight:500}
.subhead{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);margin:26px 0 14px;padding-top:8px}
.owner-block{border:1px solid var(--line);border-radius:var(--r);padding:22px;margin-bottom:18px;position:relative}
.owner-block h4{font-size:.95rem;margin-bottom:14px;color:var(--blue)}
.owner-remove{position:absolute;top:16px;right:16px;background:none;border:none;color:var(--alert);font-size:.8rem;font-weight:700;cursor:pointer}
.add-owner{background:var(--paper);border:1.5px dashed var(--line);color:var(--blue);font-weight:700;width:100%;padding:13px;border-radius:8px;cursor:pointer;font-size:.9rem}
.add-owner:hover{border-color:var(--blue)}
.review-box{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:22px;font-size:.88rem;max-height:230px;overflow-y:auto;margin-bottom:22px;white-space:pre-wrap;font-family:ui-monospace,monospace;line-height:1.55;color:var(--ink)}
.cert{display:flex;gap:12px;align-items:flex-start;font-size:.86rem;margin-bottom:16px}
.cert input{margin-top:4px;accent-color:var(--blue);flex-shrink:0;width:17px;height:17px}
.app-foot{display:flex;justify-content:space-between;align-items:center;padding:22px 36px;border-top:1px solid var(--line);background:var(--paper)}
.btn-back{background:none;border:none;color:#6B7E8A;font-weight:700;cursor:pointer;font-size:.92rem}
.btn-back:hover{color:var(--ink)}
.app-error{color:var(--alert);font-size:.84rem;font-weight:600;display:none}
.app-success{text-align:center;padding:56px 36px}
.app-success .okmark{width:74px;height:74px;border-radius:50%;background:#E5F2EC;color:var(--ok);font-size:2.2rem;display:flex;align-items:center;justify-content:center;margin:0 auto 22px}
.app-success h3{font-size:1.5rem;margin-bottom:12px}
.app-success p{max-width:460px;margin:0 auto 26px;font-size:.96rem}

/* Responsive */
@media (max-width:980px){
  .grid-4,.steps{grid-template-columns:1fr 1fr}
  .hero-stats{grid-template-columns:1fr 1fr}
  .prose-2col,.stack-panel{grid-template-columns:1fr;gap:34px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .docs ul{grid-template-columns:1fr 1fr}
}
@media (max-width:700px){
  section{padding:60px 0}
  .nav-links{display:none;position:absolute;top:74px;left:0;right:0;background:var(--white);flex-direction:column;padding:20px 24px;border-bottom:1px solid var(--line);gap:18px;align-items:flex-start}
  .nav-links.open{display:flex}
  .hamburger{display:block}
  .grid-4,.steps,.ob-list,.docs ul,.frow,.frow.thirds{grid-template-columns:1fr}
  .hero{padding-top:64px}
  .stack-panel{padding:32px 24px}
  .app-body,.app-head,.app-foot{padding-left:20px;padding-right:20px}
  .foot-grid{grid-template-columns:1fr}
  .topbar .t-tag{display:none}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important}
  html{scroll-behavior:auto}
}

/* ===== Article pages ===== */
.art-hero{background:linear-gradient(160deg,var(--ink-2) 0%,var(--ink) 70%);color:#D6E2EA;padding:72px 0 56px}
.art-hero .crumb{font-size:.78rem;color:#8FA8B7;margin-bottom:18px}
.art-hero .crumb a{color:#B9C9D4;text-decoration:none}
.art-hero .crumb a:hover{color:var(--gold)}
.art-hero h1{color:#fff;font-size:clamp(1.9rem,4.2vw,3rem);max-width:840px;margin-bottom:18px}
.art-hero .dek{max-width:780px;font-size:1.1rem;color:#C4D4DE}
.art-meta{margin-top:22px;font-size:.8rem;color:#8FA8B7;letter-spacing:.04em}
article.art{max-width:800px;margin:0 auto;padding:72px 24px}
article.art p{margin-bottom:22px;font-size:1.03rem;line-height:1.75}
article.art h2{font-size:1.65rem;margin:52px 0 18px}
article.art h3{font-size:1.22rem;margin:38px 0 14px}
article.art strong{color:var(--ink)}
article.art .lead{font-size:1.14rem;color:var(--ink);font-weight:500}
.defbox{background:var(--blue-soft);border-left:4px solid var(--blue);border-radius:0 var(--r) var(--r) 0;padding:22px 26px;margin:30px 0}
.defbox p{margin-bottom:0 !important;font-size:.98rem !important}
.defbox b{color:var(--ink)}
.art .callout{margin:34px 0}
.cite{font-size:.85rem;color:#6B7E8A;border-top:1px solid var(--line);margin-top:48px;padding-top:20px}
.related{background:var(--paper);padding:64px 0}
.related h2{font-size:1.5rem;margin-bottom:28px}
.rel-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:20px}
.rel-grid a{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;display:block;transition:box-shadow .15s}
.rel-grid a:hover{box-shadow:var(--shadow)}
.rel-grid b{display:block;color:var(--ink);font-family:'Fraunces';font-size:1.02rem;margin-bottom:6px}
.rel-grid span{font-size:.85rem;color:var(--body)}
.guide-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:22px;margin-top:44px}
.guide-grid a{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:28px 24px;text-decoration:none;display:block;transition:box-shadow .15s,transform .15s}
.guide-grid a:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.guide-grid .g-tag{font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);display:block;margin-bottom:10px}
.guide-grid b{display:block;color:var(--ink);font-family:'Fraunces';font-size:1.12rem;margin-bottom:10px;line-height:1.3}
.guide-grid span{font-size:.9rem;color:var(--body)}
.guide-grid .g-more{display:block;margin-top:14px;color:var(--blue);font-weight:700;font-size:.86rem}
@media (max-width:980px){.rel-grid,.guide-grid{grid-template-columns:1fr 1fr}}
@media (max-width:700px){.rel-grid,.guide-grid{grid-template-columns:1fr}article.art{padding:48px 20px}}