:root{--navy:#071426;--deep:#040b16;--panel:#0e2238;--gold:#c9a56a;--cream:#f5f2eb;--ink:#17283a;--muted:#9aaabd}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--cream)}a{color:inherit;text-decoration:none}.top{background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:space-between;padding:20px 5%;gap:25px;border-bottom:1px solid #304057}.brand{display:flex;align-items:center;gap:12px;font-size:20px;font-weight:700;letter-spacing:3px;white-space:nowrap}.brand small{display:block;font-size:9px;letter-spacing:4px;color:var(--gold);margin-top:4px}.monogram{width:42px;height:42px;display:grid;place-items:center;border:1px solid var(--gold);color:var(--gold);font-family:Georgia,serif;font-size:29px}.top nav{display:flex;gap:26px;flex-wrap:wrap}.top nav a{font-size:12px;color:#e1e8ef}.top nav a:hover{color:var(--gold)}.edition{font-size:9px;letter-spacing:2px;color:var(--gold);white-space:nowrap}.hero{background:radial-gradient(circle at 75% 45%,#1a3854 0%,#071426 52%,#040b16 100%);color:white;padding:65px 7% 0;overflow:hidden}.eyebrow,.section-kicker{font-size:11px;letter-spacing:3px;color:var(--gold);font-weight:bold}.line{display:inline-block;width:45px;height:1px;background:var(--gold);vertical-align:middle;margin:0 12px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;align-items:center;gap:40px;min-height:500px}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-2px}h1{font-size:clamp(55px,6.2vw,105px);line-height:1.03;margin:30px 0}h1 em,h2 em{color:var(--gold);font-weight:400}.lead{max-width:570px;font-size:17px;line-height:1.8;color:#c2cedb}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.button{display:inline-block;padding:16px 23px;font-size:12px;letter-spacing:1px;font-weight:bold}.primary{background:var(--gold);color:#081423}.secondary{border:1px solid #5a6b7c;color:white}.orb-wrap{height:420px;position:relative;display:grid;place-items:center}.orb{width:260px;height:260px;border-radius:50%;border:1px solid #b89962;background:radial-gradient(circle at 30% 25%,#284965,#071426 75%);display:flex;flex-direction:column;justify-content:center;align-items:center;box-shadow:0 0 80px #c9a56a1c}.orb span,.orb small{font-size:10px;letter-spacing:3px;color:var(--gold)}.orb strong{font-family:Georgia,serif;font-size:60px;font-weight:normal;margin:16px}.orbit{position:absolute;border:1px solid #c9a56a45;border-radius:50%;width:370px;height:370px}.orbit2{width:410px;height:240px;transform:rotate(-40deg)}.orbit-tag{position:absolute;font-size:10px;letter-spacing:2px;color:var(--gold);background:var(--navy);padding:7px}.tag1{top:25px}.tag2{right:5px;bottom:65px}.tag3{left:5px;bottom:85px}.metrics{border-top:1px solid #4b5c6d;display:grid;grid-template-columns:repeat(3,1fr);padding:25px 0 35px;gap:20px}.metrics div{display:flex;align-items:center;gap:18px}.metrics b{font:40px Georgia,serif;color:var(--gold)}.metrics span{font-size:12px;letter-spacing:1px;color:#d4dce5}.section{padding:105px 8%}.section-kicker{margin-bottom:30px}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:start}.section h2{font-size:clamp(44px,5vw,72px);line-height:1.13;margin:0 0 25px}.section p{font-size:17px;line-height:1.8}.muted{color:#718094!important;font-size:13px!important}.dark{background:var(--navy);color:white}.cap-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#2b3d50;margin-top:55px;border:1px solid #2b3d50}.cap-grid article{background:var(--navy);padding:36px}.cap-grid article span{color:var(--gold);font:23px Georgia,serif}.cap-grid h3{font:26px Georgia,serif;margin:25px 0 10px}.cap-grid p{color:#acbbca;font-size:14px;line-height:1.7}.studio{background:#e9e8e2}.calculator{background:white;padding:28px;box-shadow:0 25px 80px #06172a18}.calchead{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #d8dee2;padding-bottom:18px;font-size:11px;letter-spacing:1.5px}.calchead span{color:#738295;font-size:9px}.factor{margin:19px 0}.factor-top{display:flex;justify-content:space-between;font-size:13px;font-weight:bold}.factor-top output{color:#9d783f}.factor input{width:100%;accent-color:#b9975c;margin-top:12px}.result{display:flex;justify-content:space-between;align-items:center;padding:25px 0;border-top:1px solid #d8dee2}.result>div:first-child{display:flex;flex-direction:column;gap:8px}.result span{font-size:12px}.result strong{font:48px Georgia,serif;color:var(--navy)}.result small{font-size:12px;color:#66798a}.ring{width:110px;height:110px;border-radius:50%;display:grid;place-items:center;background:conic-gradient(var(--gold) 0%,#e7e9ea 0%);position:relative}.ring:before{content:'';position:absolute;inset:11px;background:white;border-radius:50%}.ring span{z-index:1;font-size:24px;font-weight:bold}.insight{background:#f1f3f3;padding:16px;font-size:13px;line-height:1.6}.reset{margin-top:18px;border:0;background:transparent;text-decoration:underline;color:var(--ink);cursor:pointer;padding:0;font-size:12px}footer{background:var(--deep);color:#d5dee7;padding:45px 8%;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px}footer p{font:16px Georgia,serif}footer>small{width:100%;color:#8192a2;font-size:11px}@media(max-width:900px){.top{flex-wrap:wrap}.top nav{order:3;width:100%;justify-content:space-between}.edition{margin-left:auto}.hero-grid,.split{grid-template-columns:1fr}.hero-grid{gap:0}.orb-wrap{height:340px}.orb{width:220px;height:220px}.orbit{width:300px;height:300px}.orbit2{width:330px;height:200px}.cap-grid{grid-template-columns:repeat(2,1fr)}.section{padding:70px 6%}}@media(max-width:550px){.top{padding:16px 5%}.top nav{gap:12px}.top nav a{font-size:11px}.edition{display:none}.hero{padding:45px 6% 0}.eyebrow{font-size:9px;line-height:1.8}.hero-grid{min-height:0}h1{font-size:53px}.orb-wrap{height:320px}.metrics{grid-template-columns:1fr}.metrics b{font-size:30px}.cap-grid{grid-template-columns:1fr}.calculator{padding:20px}.calchead{flex-wrap:wrap}.section h2{font-size:45px}}

.report-actions{display:flex;gap:.75rem;flex-wrap:wrap}.report-actions .reset{flex:1;min-width:170px;cursor:pointer}

/* V3 Financial Lab — newly authored components */
.finance{background:#f2f1ed}.finance-notes{margin-top:2rem;border-left:2px solid #b9955d;padding-left:1.25rem}.finance-notes p{font-size:.92rem;line-height:1.6}.financial-inputs{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.4rem 0}.financial-inputs label{display:flex;flex-direction:column;gap:.5rem;font-size:.83rem;font-weight:600;color:#243345}.financial-inputs input{width:100%;border:1px solid #cbd0d5;border-radius:5px;padding:.72rem;background:#fff;color:#14283f;font:inherit;box-sizing:border-box}.financial-inputs input:focus{outline:2px solid #b9955d;outline-offset:1px}.financial-results{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:#d8dce0;border:1px solid #d8dce0;margin:1.25rem 0}.financial-results>div{background:#fff;padding:1.2rem}.financial-results small{display:block;font-size:.75rem;color:#5b6773;line-height:1.4}.financial-results strong{display:block;margin-top:.5rem;font-size:1.7rem;color:#10243a}#financialNotice{min-height:1.4rem;font-size:.85rem}@media(max-width:680px){.financial-inputs,.financial-results{grid-template-columns:1fr}}