:root{--navy:#0f2438;--gold:#e8a020;--ink:#1d2733;--mute:#5b6b7f;--line:#e3e8ee;--soft:#f6f8fa;--link:#1a5c92}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;font-size:17px;line-height:1.65;color:var(--ink);background:#fff}
a{color:var(--link)}
h1,h2,h3{font-family:Lora,Georgia,serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h2{font-size:1.65rem;margin-top:1.6em}
h3{font-size:1.15rem}
code{background:var(--soft);border:1px solid var(--line);border-radius:4px;padding:0 .3em;font-size:.9em}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
/* header */
.top{background:var(--navy);position:sticky;top:0;z-index:20;border-bottom:3px solid var(--gold)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:74px}
.logo img{height:52px;width:auto;display:block}
.nav{display:flex;gap:4px;align-items:center;flex-wrap:wrap}
.nav a{color:#dfe6ee;text-decoration:none;font-size:.92rem;padding:8px 10px;border-radius:4px}
.nav a:hover,.nav a.on{color:#fff;background:rgba(255,255,255,.08)}
.nav a.call{background:var(--gold);color:var(--navy);font-weight:700;margin-left:6px}
.mt,.burger{display:none}
/* hero */
.hero{background:var(--navy);color:#dfe6ee;padding:46px 0 50px}
.hero.home{padding:80px 0 86px;background:linear-gradient(160deg,#0f2438 0%,#16324e 100%)}
.hero h1{color:#fff;font-size:2.4rem;max-width:820px}
.hero.home h1{font-size:2.9rem}
.hero p{font-size:1.15rem;max-width:760px;margin:0}
.rule{width:56px;height:3px;background:var(--gold);margin:6px 0 18px}
.crumbs{font-size:.85rem;margin-bottom:14px;color:#9fb0c3}.crumbs a{color:#c9d3de}
/* sections */
main section{padding:28px 0}
main section.band{background:var(--soft);margin:0 -22px;padding:30px 22px;border-radius:8px}
.lede{font-size:1.15rem}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin-top:14px}
.grid.three{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.card{display:block;background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:6px;padding:18px 18px 14px;text-decoration:none;color:var(--ink);transition:box-shadow .15s}
.card:hover{box-shadow:0 6px 20px rgba(15,36,56,.12)}
.card p{margin:.2em 0 .6em;font-size:.95rem;color:var(--mute)}
.card .more{font-size:.85rem;font-weight:700;color:var(--link)}
.trio{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding:30px 0 10px}
.trio>div{background:var(--soft);border-radius:8px;padding:20px 20px 8px;border-top:3px solid var(--navy)}
.trio>div:nth-child(2){border-top-color:#c0392b}.trio>div:nth-child(3){border-top-color:#2f8f5b}
.tk{font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--gold);margin-bottom:8px}
.trio ul{padding-left:18px}.trio li{margin-bottom:6px}
ul.checks{list-style:none;padding:0}
ul.checks li{position:relative;padding-left:28px;margin-bottom:12px}
ul.checks li:before{content:"";position:absolute;left:4px;top:.55em;width:10px;height:10px;background:var(--gold);border-radius:2px}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:12px 22px;border-radius:6px;margin:6px 8px 6px 0;border:2px solid var(--navy)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.ghostw{background:transparent;border-color:#fff;color:#fff}
.cta{background:var(--navy);color:#dfe6ee;border-radius:10px;padding:34px 30px!important;margin:30px 0 40px}
.cta h2{color:#fff;margin-top:0}
.src{font-size:.85rem;color:var(--mute)}
.grades{display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center;font-size:.95rem}
.g{display:inline-block;min-width:28px;height:28px;line-height:28px;text-align:center;border-radius:4px;color:#fff;font-weight:700}
.gA{background:#2f8f5b}.gB{background:#e8a020}.gC{background:#8a96a3}.gD{background:#d9822b}.gF{background:#c0392b}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{font-family:Lora,Georgia,serif;font-weight:700;color:var(--navy);font-size:1.12rem;cursor:pointer}
.contact{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px}
.cbox{background:var(--soft);border-radius:8px;padding:20px;border-top:3px solid var(--gold)}
.contact p{grid-column:1/-1}
.big{font-size:1.25rem;font-weight:700;color:var(--navy);text-decoration:none;word-break:break-word}
.legal h2{font-size:1.25rem}
/* footer */
.foot{background:var(--navy);color:#c9d3de;padding:44px 0 0;margin-top:20px;font-size:.92rem}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:26px}
.foot a{color:#dfe6ee;text-decoration:none;display:block;margin-bottom:6px}
.foot p a{display:inline}
.flogo{height:56px;width:auto}
.fh{color:var(--gold);font-weight:700;letter-spacing:.1em;text-transform:uppercase;font-size:.75rem;margin-bottom:10px}
.fbar{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding:16px 22px 22px;font-size:.8rem;color:#9fb0c3}
.fbar a{display:inline;color:#c9d3de}
@media(max-width:900px){
 .burger{display:block;color:#fff;font-size:28px;cursor:pointer;padding:6px 10px}
 .nav{display:none;position:absolute;top:74px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:10px 16px 18px;border-bottom:3px solid var(--gold)}
 .mt:checked~.nav{display:flex}
 .nav a.call{margin:8px 0 0;text-align:center}
 .trio{grid-template-columns:1fr}
 .fgrid{grid-template-columns:1fr 1fr}
 .hero h1,.hero.home h1{font-size:2rem}
 body{font-size:16.5px}
}
@media(max-width:520px){.fgrid{grid-template-columns:1fr}.logo img{height:42px}}
main>section.band:first-child{margin-top:34px}
.hero.photo{background-size:cover;background-position:center;padding:78px 0 84px}
.hero.home.photo{padding:110px 0 120px}
figure.pic{margin:34px 0 0}
figure.pic img{width:100%;height:auto;max-height:440px;object-fit:cover;border-radius:10px;display:block}
figure.pic.portrait{float:right;width:340px;margin:34px 0 20px 34px}
figure.pic.portrait img{max-height:none;aspect-ratio:auto;box-shadow:0 10px 30px rgba(15,36,56,.25);border-bottom:4px solid var(--gold)}
figure.pic.portrait figcaption{font-size:.85rem;color:var(--mute);margin-top:8px;text-align:center}
@media(max-width:700px){figure.pic.portrait{float:none;width:100%;max-width:360px;margin:28px auto 0}}
/* ===== report (magazine) style ===== */
.cover{background:var(--navy);color:#dfe6ee;position:relative;padding-bottom:48px}
.cimg{height:clamp(240px,34vw,430px);background:#16324e center/cover no-repeat;position:relative}
.cover.home .cimg{height:clamp(320px,46vw,600px)}
.cimg::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,36,56,.05) 0%,rgba(15,36,56,.15) 45%,rgba(15,36,56,.85) 85%,#0f2438 100%)}
.ctext{position:relative;margin-top:-150px;z-index:2}
.ctext .crumbs{margin-bottom:18px}
.gl{width:100px;height:2px;background:var(--gold);margin-bottom:12px}
.kick{font-size:.74rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:8px}
.cover h1{color:#fff;font-size:2.7rem;max-width:860px;margin:6px 0 10px;text-shadow:0 2px 18px rgba(0,0,0,.35)}
.cover.home h1{font-size:3.2rem}
.cover p{font-size:1.15rem;max-width:760px;margin:0;color:#c9d3de}
main h2::after{content:"";display:block;width:40px;height:3px;background:var(--gold);margin-top:12px}
.cta h2::after,.tile h2::after{display:none}
.card{position:relative;padding-top:16px}
.card .num{position:absolute;top:14px;right:16px;font-family:Lora,Georgia,serif;font-weight:700;font-size:1.5rem;color:var(--gold);line-height:1}
.card h3{padding-right:42px}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.tile{background:var(--navy);color:#fff;border-radius:8px;padding:20px 18px 16px}
.tile .n{font-family:Lora,Georgia,serif;font-size:2.6rem;font-weight:700;color:var(--gold);line-height:1}
.tile .l{font-size:.88rem;color:#dfe6ee;margin-top:8px;line-height:1.4}
table.score{width:100%;border-collapse:collapse;font-size:.95rem;margin:12px 0 6px}
table.score th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-size:.85rem}
table.score td{padding:10px 12px;border-bottom:1px solid var(--line)}
table.score tr:nth-child(even) td{background:var(--soft)}
.note{font-size:.85rem;color:var(--mute)}
.cta{display:grid;grid-template-columns:220px 1fr;gap:30px;align-items:center}
.ctal img{width:100%;height:auto}
.cta .kick{margin-bottom:4px}
.trio>div{background:#fff;border:1px solid var(--line);box-shadow:0 2px 10px rgba(15,36,56,.05)}
@media(max-width:900px){.tiles{grid-template-columns:1fr 1fr}.cta{grid-template-columns:1fr}.ctal img{max-width:200px}.cover h1,.cover.home h1{font-size:2.05rem}.ctext{margin-top:-110px}}
.trio>div{border-top:3px solid var(--navy)}.trio>div:nth-child(2){border-top-color:#c0392b}.trio>div:nth-child(3){border-top-color:#2f8f5b}
main .kick+h2{margin-top:.15em}
.card{padding:0 0 16px;overflow:hidden;display:flex;flex-direction:column}
.card .thumb{display:block;height:150px;background:#16324e center/cover no-repeat;position:relative;transition:transform .25s}
.card .thumb::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,36,56,0) 55%,rgba(15,36,56,.45) 100%)}
.card:hover .thumb{transform:scale(1.03)}
.card h3,.card p,.card .more{padding-left:18px;padding-right:18px}
.card h3{margin-top:14px;padding-right:18px}
.card .num{top:112px;right:14px;z-index:2;background:var(--navy);color:var(--gold);border:2px solid var(--gold);border-radius:50%;width:46px;height:46px;display:flex;align-items:center;justify-content:center;font-size:1.05rem;box-shadow:0 4px 12px rgba(0,0,0,.25)}
.card .more{margin-top:auto}

/* site search */
.nav a.srch{display:inline-flex;align-items:center;gap:6px}
.nav a.srch svg{flex:none}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.sbox{display:flex;gap:8px;margin:30px 0 8px;max-width:680px}
.sbox input{flex:1;min-width:0;font:inherit;padding:12px 14px;border:2px solid var(--line);border-radius:6px;color:var(--ink)}
.sbox input:focus{outline:none;border-color:var(--gold)}
.sbox button{font:inherit;font-weight:700;background:var(--navy);color:#fff;border:0;border-radius:6px;padding:0 20px;cursor:pointer}
ol.sres{list-style:none;padding:0;margin:10px 0 30px;max-width:780px}
ol.sres li{padding:16px 0;border-bottom:1px solid var(--line)}
ol.sres li a{font-family:Lora,Georgia,serif;font-weight:700;font-size:1.15rem;text-decoration:none}
ol.sres .su{font-size:.8rem;color:#2f8f5b;margin:2px 0 4px}
ol.sres p{margin:0;font-size:.95rem;color:var(--mute)}
ol.sres mark{background:#fbe7c0;color:inherit;padding:0 1px}
.sbox.mini{margin:18px 0}
@media(min-width:901px) and (max-width:1120px){.nav a.srch span{display:none}.nav a.srch{padding:8px 9px}.nav a{padding:8px 8px}}
/* red box around Search so it stands out */
.nav a.srch{border:2px solid #ffffff;padding:6px 12px;margin-left:4px}
.nav a.srch:hover{background:rgba(255,255,255,.12)}
.nav a.srch svg{color:#ffffff}
@media(min-width:901px) and (max-width:1120px){.nav a.srch{padding:6px 8px}}
@media(max-width:900px){.nav a.srch{justify-content:center;margin:6px 0 0}}