:root{
  --blue:#005890;--blue-deep:#003f69;--gold:#f8b038;--gold-deep:#d9931b;--steel:#5890b0;
  --ink:#14293b;--ink-soft:#44586a;--line:#d6e1ea;--wash:#edf3f8;--wash-2:#f7fafc;--white:#fff;
  --display:"Newsreader",Georgia,serif;--sans:"Source Sans 3","Helvetica Neue",Arial,sans-serif;
  --max:1120px;--gutter:clamp(16px,4vw,40px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.55;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.1;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5.6vw,4rem);font-variation-settings:"opsz" 72}
h2{font-size:clamp(1.75rem,3.6vw,2.6rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.lede{font-size:clamp(1.1rem,1.6vw,1.3rem);color:var(--ink-soft);max-width:38em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 1rem var(--sans);padding:.8rem 1.3rem;border-radius:6px;border:2px solid transparent;cursor:pointer;text-decoration:none;white-space:nowrap}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:var(--blue-deep)}
.btn-gold{background:var(--gold);color:var(--ink)}.btn-gold:hover{background:var(--gold-deep)}
.btn-line{background:transparent;color:var(--blue);border-color:var(--blue)}.btn-line:hover{background:var(--wash)}
.btn-lg{font-size:1.1rem;padding:1rem 1.6rem}

/* header */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px}
.logo img{width:120px}
.nav{display:none;gap:1.6rem;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:1rem}
.nav a:hover{color:var(--blue)}
.nav .btn{margin-left:.5rem}
.burger{display:inline-flex;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer}
.burger span{width:24px;height:2px;background:var(--ink);display:block}
.menu{display:none;border-top:1px solid var(--line);background:#fff}
.menu.open{display:block}
.menu a{display:block;padding:.9rem var(--gutter);border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:600}
@media(min-width:900px){.nav{display:flex}.burger,.menu{display:none!important}}

/* hero */
.hero{background:var(--wash);padding:clamp(2.5rem,7vw,5.5rem) 0 clamp(2.5rem,6vw,4.5rem)}
.hero .wrap{display:grid;gap:2.5rem}
.hero .since{font-weight:600;color:var(--blue);margin-bottom:1rem}
@media(min-width:960px){.hero .wrap{grid-template-columns:1.05fr .95fr;align-items:start;gap:4rem}}

/* the question form */
.ask{background:#fff;border:1px solid var(--line);border-radius:14px;padding:clamp(1.25rem,3vw,2rem);box-shadow:0 20px 50px -30px rgba(0,63,105,.35)}
.ask h2{font-size:clamp(1.6rem,3vw,2.1rem);margin-bottom:.35em}
.ask .hint{color:var(--ink-soft);margin-bottom:1.25rem}
.ziprow{display:flex;gap:.6rem;flex-wrap:wrap}
.ziprow input{flex:1 1 160px;font:500 1.6rem var(--sans);letter-spacing:.08em;padding:.7rem .9rem;border:2px solid var(--line);border-radius:8px;min-width:0}
.ziprow input:focus{border-color:var(--blue)}
.ziprow .btn{flex:1 1 150px}
.fine{font-size:.9rem;color:var(--ink-soft);margin:1rem 0 0}
.fine a{color:inherit}
.field{display:grid;gap:.35rem;margin-bottom:.9rem}
.field label{font-weight:600;font-size:.95rem}
.field input,.field select,.field textarea{font:1rem var(--sans);padding:.65rem .75rem;border:2px solid var(--line);border-radius:8px;width:100%;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue)}
.two{display:grid;gap:0 .9rem}
@media(min-width:560px){.two{grid-template-columns:1fr 1fr}}
.zipchip{display:flex;align-items:center;justify-content:space-between;gap:1rem;background:var(--wash);border-radius:8px;padding:.7rem .9rem;margin-bottom:1rem}
.zipchip b{font-size:1.2rem;letter-spacing:.06em}
.zipchip button{background:none;border:0;color:var(--blue);font:600 .95rem var(--sans);cursor:pointer;text-decoration:underline}
.err{color:#9b2c1a;font-weight:600;margin:.5rem 0 0}
.done{padding:.5rem 0}
.done h3{font-size:1.6rem}
[hidden]{display:none!important}

/* sections */
.sec{padding:clamp(3rem,7vw,5.5rem) 0}
.sec-wash{background:var(--wash-2)}
.sec-ink{background:var(--ink);color:#fff}
.sec-ink a{color:#fff}
.cols{display:grid;gap:2rem}
@media(min-width:860px){.cols{grid-template-columns:1fr 1fr;gap:4rem}}
.duties{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.duties li{display:grid;grid-template-columns:9.5rem 1fr;gap:1rem;padding:.9rem 0;border-bottom:1px solid var(--line)}
.duties b{font-family:var(--display);font-weight:500;font-size:1.2rem;color:var(--blue)}
@media(max-width:480px){.duties li{grid-template-columns:1fr;gap:.2rem}}
.test{margin-top:2.5rem;background:var(--wash);border-left:6px solid var(--gold);padding:1.5rem;border-radius:0 10px 10px 0}
.test h3{margin-bottom:.6rem}
.test ol{margin:0 0 .8rem;padding-left:1.3rem;font-size:1.15rem;font-family:var(--display)}
.test ol li{margin:.3rem 0}
.proof{display:grid;gap:1.5rem;margin-top:2rem}
@media(min-width:640px){.proof{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.proof{grid-template-columns:repeat(4,1fr)}}
.proof div{border-top:3px solid var(--gold);padding-top:.9rem}
.proof b{display:block;font-family:var(--display);font-size:1.5rem;font-weight:500;margin-bottom:.25rem}
.proof p{margin:0;color:var(--ink-soft)}
.recommended{margin-top:2.5rem;color:var(--ink-soft);max-width:60em}

/* podcast */
.pod{display:grid;gap:2rem}
@media(min-width:900px){.pod{grid-template-columns:1.2fr .8fr;gap:3.5rem}}
.episode{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}
.episode .art{display:block;position:relative;aspect-ratio:16/9;background:var(--ink)}
.episode .art img{width:100%;height:100%;object-fit:cover}
.episode .play{position:absolute;inset:0;display:grid;place-items:center;background:linear-gradient(to top,rgba(20,41,59,.55),transparent 60%)}
.episode .play span{width:64px;height:64px;border-radius:50%;background:var(--gold);display:grid;place-items:center;color:var(--ink);font-size:1.4rem}
.episode .body{padding:1.4rem}
.episode .meta{color:var(--ink-soft);font-size:.95rem;margin-bottom:.4rem}
.episode h3{font-size:1.5rem}
.chapters{list-style:none;padding:0;margin:1rem 0 0;display:grid;gap:.35rem;font-size:.95rem}
.chapters li{display:grid;grid-template-columns:3.4rem 1fr;gap:.5rem}
.chapters time{color:var(--blue);font-weight:600;font-variant-numeric:tabular-nums}
.listen{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1.2rem}
.listen a{font-size:.9rem;font-weight:600;text-decoration:none;border:1.5px solid var(--line);padding:.45rem .8rem;border-radius:999px;color:var(--ink)}
.more{list-style:none;margin:0;padding:0}
.more li{display:grid;grid-template-columns:84px 1fr;gap:1rem;padding:1rem 0;border-bottom:1px solid var(--line);align-items:center}
.more img{border-radius:6px;aspect-ratio:3/2;object-fit:cover}
.more a{color:var(--ink);text-decoration:none;font-weight:600;line-height:1.3}
.more a:hover{color:var(--blue)}
.more small{display:block;color:var(--ink-soft);margin-top:.2rem}
.podhead{margin-bottom:2rem}
.podhead p{max-width:40em;color:var(--ink-soft)}

/* guides */
.cats{display:flex;flex-wrap:wrap;gap:.6rem;margin:0 0 2rem;padding:0;list-style:none}
.cats a{display:inline-block;text-decoration:none;color:var(--ink);background:var(--wash);border-radius:999px;padding:.5rem 1rem;font-weight:600}
.cats a:hover{background:var(--line)}
.cats small{color:var(--ink-soft);font-weight:400;margin-left:.3rem}
.guides{display:grid;gap:1.5rem;list-style:none;margin:0;padding:0}
@media(min-width:620px){.guides{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.guides{grid-template-columns:repeat(4,1fr)}}
.guides img{border-radius:10px;aspect-ratio:3/2;object-fit:cover;margin-bottom:.8rem}
.guides a{color:var(--ink);text-decoration:none;font-weight:600;font-size:1.05rem;line-height:1.3}
.guides a:hover{color:var(--blue)}
.guides small{display:block;color:var(--ink-soft);margin-top:.3rem}

/* testimonial */
.quote{max-width:46em;margin:0 auto;text-align:center}
.quote blockquote{font-family:var(--display);font-size:clamp(1.35rem,2.6vw,1.9rem);line-height:1.35;margin:0 0 1.2rem}
.quote cite{font-style:normal;color:var(--ink-soft)}

/* broker line (low dial) */
.broker{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:1.6rem 0}
.broker .wrap{display:flex;flex-wrap:wrap;gap:.5rem 2rem;align-items:center;justify-content:space-between}
.broker p{margin:0;color:var(--ink-soft)}
.broker a{font-weight:600}

/* footer */
footer{background:var(--ink);color:#c8d6e2;padding:3rem 0 2rem;font-size:.95rem}
footer .wrap{display:grid;gap:2rem}
@media(min-width:800px){footer .wrap{grid-template-columns:1.2fr 1fr 1fr}}
footer img{width:140px;margin-bottom:1rem}
footer a{color:#fff;text-decoration:none}
footer a:hover{text-decoration:underline}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:.35rem 0}
footer h4{color:#fff;margin:0 0 .6rem;font-size:1rem}
.social{display:flex;gap:.6rem}
.social a{width:36px;height:36px;border-radius:50%;border:1px solid #3d5a73;display:grid;place-items:center;font-size:.8rem;font-weight:700}
.preview{grid-column:1/-1;border-top:1px solid #3d5a73;padding-top:1.2rem;color:#9fb3c3;font-size:.85rem}
.preview b{color:var(--gold)}