:root{
  --navy:#203080;        /* Save Financial royal blue (brand) */
  --navy-2:#1B2A66;      /* deep royal blue */
  --blue-mid:#2c3e9e;
  --sky:#A9C4E8;         /* light blue from logo sphere */
  --ink:#1a1f3a;
  --slate:#525974;
  --line:#e3e7f0;
  --paper:#ffffff;
  --cream:#f4f6fb;       /* cool brand-neutral */
  --gold:#f08030;        /* Save Financial orange (brand accent) */
  --gold-soft:#fdeadb;   /* soft orange tint */
  --green:#2f7d3f;
  --red:#a12f26;
  --maxw:1160px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter Tight',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:18px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;color:var(--navy);line-height:1.18;font-weight:600}
a{color:var(--gold)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}

.topbar{background:var(--navy);color:#cdd8ef;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:9px 22px;flex-wrap:wrap}
.topbar strong{color:#fff}
.topbar a{color:#fff;text-decoration:none;font-weight:600}

header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.1) blur(6px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 22px;gap:18px}
.sfbrand{font-family:'Fraunces',serif;font-weight:700;font-size:22px;color:var(--navy);text-decoration:none;letter-spacing:.2px}
.sfbrand span{color:var(--gold)}
nav.main{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
nav.main a{color:var(--ink);text-decoration:none;font-weight:600;font-size:15.5px}
nav.main a:hover{color:var(--gold)}
.sfbtn{display:inline-block;background:var(--gold);color:#fff;font-weight:700;text-decoration:none;padding:11px 20px;border-radius:8px;font-size:15px;border:none;cursor:pointer;transition:transform .12s ease, background .2s}
.sfbtn:hover{background:#d96e1a;transform:translateY(-1px)}
.sfbtn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.sfbtn.ghost:hover{background:var(--navy);color:#fff}
.hide-mobile{display:inline-flex}

.sfhero{background:linear-gradient(155deg,var(--navy-2) 0%,var(--navy) 55%,var(--blue-mid) 100%);color:#eef3fb;padding:54px 0 60px;position:relative;overflow:hidden}
.sfhero::after{content:"";position:absolute;right:-120px;top:-80px;width:440px;height:440px;background:radial-gradient(circle,rgba(244,134,47,.32),transparent 62%);pointer-events:none}
.sfhero::before{content:"";position:absolute;left:-90px;bottom:-140px;width:340px;height:340px;background:radial-gradient(circle,rgba(169,196,232,.28),transparent 65%);pointer-events:none}
.crumbs{font-size:13.5px;color:#a9bce0;margin-bottom:18px;position:relative}
.crumbs a{color:#cdd9ef;text-decoration:none}
.sfeyebrow{display:inline-block;font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:14px;position:relative}
.sfhero h1{color:#fff;font-size:clamp(30px,5vw,50px);max-width:16ch;font-weight:600;position:relative}
.sfhero h1 em{font-style:italic;color:#ffd9b8}
.sfhero p.sflede{margin-top:18px;max-width:60ch;font-size:19px;color:#dbe4f4;position:relative}
.hero-cta{margin-top:26px;display:flex;gap:14px;flex-wrap:wrap;position:relative}
.hero-cta .sfbtn.ghost{color:#fff;border-color:#7f95c4}
.hero-cta .sfbtn.ghost:hover{background:#fff;color:var(--navy)}
.trust{margin-top:30px;display:flex;gap:26px;flex-wrap:wrap;align-items:center;color:#c3d2ec;font-size:14px;position:relative}
.trust{color:#c3d2ec}
.trust b{color:#fff}

.layout{display:grid;grid-template-columns:1fr 320px;gap:48px;padding:52px 0}
@media(max-width:960px){.layout{grid-template-columns:1fr}}
article{max-width:760px}
article h2{font-size:clamp(25px,3.4vw,34px);margin:46px 0 14px;padding-top:6px}
article h3{font-size:21px;margin:30px 0 8px;color:var(--navy-2)}
article p{margin:0 0 16px;color:#26313f}
article ul,article ol{margin:0 0 18px 22px}
article li{margin-bottom:9px}
article strong{color:var(--navy)}

.quick{background:var(--cream);border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:10px;padding:24px 26px;margin:6px 0 8px}
.quick .tag{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:800;display:block;margin-bottom:8px}
.quick p{font-size:18.5px;margin-bottom:0;color:#232f3d}

.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 24px;margin:26px 0}
.toc h4{font-size:14px;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:12px;font-family:'Inter Tight',sans-serif;font-weight:800}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:32px}
.toc li{margin-bottom:7px}
.toc a{color:var(--navy);text-decoration:none;font-weight:500;font-size:15.5px}
.toc a:hover{color:var(--gold);text-decoration:underline}
@media(max-width:620px){.toc ol{columns:1}}

.tablewrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px}
table{width:100%;border-collapse:collapse;font-size:15.5px;min-width:520px}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-family:'Inter Tight',sans-serif;font-weight:700;font-size:14px;letter-spacing:.02em}
tbody tr:nth-child(even){background:#f6f8fd}
td strong{color:var(--navy)}
.yes{color:var(--green);font-weight:700}
.no{color:var(--red);font-weight:700}

.note{border-radius:10px;padding:18px 22px;margin:22px 0;font-size:16px}
.note.tip{background:var(--gold-soft);border:1px solid #f6d3b4}
.note.tip b{color:#c25f10}
.note.watch{background:#fbeeec;border:1px solid #f0d0cb}
.note.watch b{color:var(--red)}

.pc{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:22px 0}
@media(max-width:620px){.pc{grid-template-columns:1fr}}
.pc .card{border:1px solid var(--line);border-radius:12px;padding:20px 22px}
.pc .card.pros{background:#f2f8f4;border-color:#d3e7dc}
.pc .card.cons{background:#fbf3ef;border-color:#f0dcd4}
.pc h4{font-family:'Inter Tight',sans-serif;font-size:15px;letter-spacing:.05em;text-transform:uppercase;margin-bottom:12px}
.pc .card.pros h4{color:var(--green)}
.pc .card.cons h4{color:var(--red)}
.pc ul{margin:0 0 0 18px}
.pc li{margin-bottom:9px;font-size:15.5px}

.steps{counter-reset:step;margin:24px 0}
.step{position:relative;padding:4px 0 20px 56px;border-left:2px solid var(--line);margin-left:16px}
.step:last-child{border-left-color:transparent}
.step::before{counter-increment:step;content:counter(step);position:absolute;left:-19px;top:0;width:38px;height:38px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:'Fraunces',serif}
.step h3{margin:0 0 4px}
.step p{margin-bottom:0}

.faq details{border:1px solid var(--line);border-radius:10px;padding:0;margin-bottom:12px;overflow:hidden;background:#fff}
.faq summary{cursor:pointer;padding:17px 20px;font-weight:700;color:var(--navy);font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:22px;color:var(--gold);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .ans{padding:16px 20px;color:#2a3543;font-size:16px}
.faq .ans p{margin-bottom:10px}

aside{position:relative}
.sticky{position:sticky;top:96px}
.leadcard{background:var(--navy);color:#eaf0fb;border-radius:14px;padding:26px 24px;box-shadow:0 18px 40px -22px rgba(38,59,142,.75)}
.leadcard h3{color:#fff;font-size:22px;margin-bottom:6px}
.leadcard p.sub{font-size:14.5px;color:#c0cdea;margin-bottom:18px}
.leadcard label{display:block;font-size:12.5px;text-transform:uppercase;letter-spacing:.06em;color:#a9bce0;margin:12px 0 5px;font-weight:700}
.leadcard input,.leadcard select{width:100%;padding:11px 12px;border-radius:8px;border:1px solid #3e57ad;background:#1b2a66;color:#fff;font-size:15px;font-family:inherit}
.leadcard input::placeholder{color:#8ea0cc}
.leadcard .sfbtn{width:100%;margin-top:18px;text-align:center}
.leadcard small{display:block;margin-top:12px;color:#98a9cf;font-size:12px;text-align:center}
.mini{background:var(--gold-soft);border:1px solid #f6d3b4;border-radius:12px;padding:20px 22px;margin-top:20px}
.mini h4{font-size:16px;margin-bottom:8px}
.mini a{display:block;color:var(--navy);text-decoration:none;font-weight:600;font-size:15px;padding:6px 0;border-bottom:1px solid #f6d3b4}
.mini a:last-child{border-bottom:none}
.mini a:hover{color:var(--gold)}

.related{background:var(--cream);border-top:1px solid var(--line);padding:48px 0}
.related h2{font-size:28px;margin-bottom:22px}
.rgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:820px){.rgrid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.rgrid{grid-template-columns:1fr}}
.rgrid a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;text-decoration:none;display:block;transition:transform .12s,box-shadow .2s}
.rgrid a:hover{transform:translateY(-3px);box-shadow:0 14px 30px -18px rgba(38,59,142,.45);border-color:var(--sky)}
.rgrid b{display:block;color:var(--navy);font-family:'Fraunces',serif;font-size:19px;margin-bottom:5px}
.rgrid span{color:var(--slate);font-size:14.5px}

.finalcta{background:linear-gradient(150deg,var(--navy-2),var(--blue-mid));color:#fff;padding:56px 0;text-align:center;position:relative;overflow:hidden}
.finalcta::after{content:"";position:absolute;right:-60px;top:-60px;width:300px;height:300px;background:radial-gradient(circle,rgba(244,134,47,.3),transparent 62%)}
.finalcta h2{color:#fff;font-size:clamp(26px,4vw,38px);max-width:20ch;margin:0 auto 14px;position:relative}
.finalcta p{max-width:56ch;margin:0 auto 26px;color:#dbe4f4;font-size:18px;position:relative}
.finalcta .hero-cta{position:relative}
.finalcta .sfbtn.ghost{color:#fff;border-color:#8ba0cf}
.finalcta .sfbtn.ghost:hover{background:#fff;color:var(--navy)}

footer.site{background:#141f47;color:#a9bce0;padding:46px 0 30px;font-size:14.5px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:30px}
@media(max-width:760px){footer.site .cols{grid-template-columns:1fr}}
footer.site h5{color:#fff;font-family:'Inter Tight',sans-serif;font-size:13px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
footer.site a{color:#bcccec;text-decoration:none;display:block;margin-bottom:8px}
footer.site a:hover{color:var(--gold)}
footer.site .office{margin-bottom:16px;line-height:1.5}
footer.site .office b{color:#fff}
.disclaimer{border-top:1px solid #2a3970;padding-top:22px;font-size:12.5px;color:#8ea0cc;line-height:1.6}
.disclaimer a{display:inline;color:#a9bce0}
.nvchk{display:none}.nvburger{display:none}@media(max-width:860px){header.site .wrap{flex-wrap:wrap;position:relative}.nvburger{display:flex;flex-direction:column;gap:5px;cursor:pointer;padding:6px;margin-left:auto}.nvburger span{display:block;width:26px;height:3px;background:var(--navy);border-radius:2px}header.site nav.main{display:none;flex-basis:100%;flex-direction:column;align-items:flex-start;gap:14px;padding:12px 0 8px}.nvchk:checked~nav.main{display:flex}}