:root{
    --paper:#F3F1EA;
    --paper-2:#ECE9DF;
    --ink:#18221D;
    --green:#1F3B32;
    --green-2:#2C5347;
    --brass:#A6803E;
    --muted:#5C655E;
    --line:rgba(24,34,29,0.14);
    --line-soft:rgba(24,34,29,0.08);
    --on-green:#EDEBE2;
    --on-green-muted:#A9B6AE;
    --sans:"Schibsted Grotesk",system-ui,-apple-system,sans-serif;
    --serif:"Newsreader",Georgia,serif;
    --mono:"JetBrains Mono",ui-monospace,monospace;
    --maxw:1120px;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    background:var(--paper);
    color:var(--ink);
    font-family:var(--sans);
    font-size:17px;
    line-height:1.55;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3{margin:0;font-weight:700;letter-spacing:-0.02em;line-height:1.06;}
  p{margin:0;}
  a{color:inherit;text-decoration:none;}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px;}
  .lede{font-family:var(--serif);font-size:1.18rem;line-height:1.55;color:#39423c;}
  .eyebrow{
    font-size:0.72rem;font-weight:600;letter-spacing:0.18em;text-transform:uppercase;
    color:var(--brass);display:inline-flex;align-items:center;gap:9px;
  }
  .eyebrow::before{content:"";width:24px;height:1px;background:var(--brass);display:inline-block;}
  .mono{font-family:var(--mono);}
  :focus-visible{outline:2px solid var(--green-2);outline-offset:3px;border-radius:3px;}

  /* ---- Nav ---- */
  .nav{
    position:sticky;top:0;z-index:50;
    background:rgba(243,241,234,0.86);
    backdrop-filter:saturate(140%) blur(10px);
    border-bottom:1px solid var(--line-soft);
  }
  .nav__inner{display:flex;align-items:center;justify-content:space-between;height:66px;}
  .brand{display:flex;align-items:center;gap:10px;font-weight:800;letter-spacing:-0.01em;font-size:1.12rem;}
  .brand__mark{width:26px;height:26px;color:var(--green);}
  .brand small{font-weight:500;color:var(--muted);font-size:0.7rem;letter-spacing:0.16em;text-transform:uppercase;}
  .nav__links{display:flex;align-items:center;gap:20px;}
  .nav__links a{font-size:0.92rem;color:#3a433d;}
  .nav__links a:hover{color:var(--green);}
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:8px;
    font-family:var(--sans);font-weight:600;font-size:0.95rem;
    padding:13px 22px;border-radius:2px;border:1px solid transparent;cursor:pointer;
    transition:transform .15s ease, background .2s ease, color .2s ease, border-color .2s ease;
  }
  .btn--primary{background:var(--green);color:#F3F1EA;}
  .btn--primary:hover{background:var(--green-2);color:#F3F1EA;transform:translateY(-1px);}
  .btn--ghost{background:transparent;color:var(--ink);border-color:var(--line);}
  .btn--ghost:hover{border-color:var(--green);color:var(--green);}
  .btn--lg{padding:16px 28px;font-size:1rem;}
  .nav__cta{display:inline-flex;}
  .nav__links .nav__cta,.btn--consultation-red{background:#DC2626;color:#FFFFFF;}
  .nav__links .nav__cta:hover,.btn--consultation-red:hover{background:#B91C1C;color:#FFFFFF;}
  .nav__toggle{display:none;background:none;border:0;cursor:pointer;padding:8px;}
  .nav__toggle span{display:block;width:22px;height:2px;background:var(--ink);margin:4px 0;transition:.2s;}

  /* ---- Hero ---- */
  .hero{padding:78px 0 60px;}
  .hero__grid{display:grid;grid-template-columns:1.15fr 0.85fr;gap:56px;align-items:center;}
  .hero h1{font-size:clamp(2.5rem,5.4vw,4rem);}
  .hero h1 em{font-style:normal;color:var(--green);}
  .hero__sub{margin-top:26px;max-width:30ch;}
  .hero__cta{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap;}
  .hero__note{margin-top:22px;font-size:0.85rem;color:var(--muted);display:flex;align-items:center;gap:10px;}
  .dot{width:7px;height:7px;border-radius:50%;background:var(--brass);display:inline-block;}

  /* ---- Fee ladder (signature) ---- */
  .ladder{
    background:var(--green);color:var(--on-green);border-radius:4px;
    padding:30px 30px 26px;box-shadow:0 24px 60px -28px rgba(24,34,29,0.55);
  }
  .ladder__head{font-size:0.74rem;letter-spacing:0.16em;text-transform:uppercase;color:var(--on-green-muted);margin-bottom:4px;}
  .ladder__thesis{font-family:var(--serif);font-size:1.16rem;line-height:1.4;color:#fff;max-width:26ch;margin-bottom:22px;}
  .rung{
    display:grid;grid-template-columns:1fr auto;align-items:baseline;gap:12px;
    padding:14px 0;border-top:1px solid rgba(237,235,226,0.16);
  }
  .rung__roi{font-family:var(--mono);font-size:0.95rem;color:var(--on-green-muted);}
  .rung__roi b{color:#fff;font-weight:600;}
  .rung__fee{font-family:var(--mono);font-weight:600;font-size:1.7rem;color:#fff;letter-spacing:-0.02em;}
  .rung--top .rung__fee{color:#E7C679;}
  .ladder__foot{margin-top:18px;font-size:0.78rem;color:var(--on-green-muted);line-height:1.5;}

  /* ---- Trust strip ---- */
  .trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 0;}
  .trust__row{display:flex;flex-wrap:wrap;gap:14px 36px;align-items:center;justify-content:space-between;}
  .trust__item{font-size:0.82rem;color:var(--muted);display:flex;align-items:center;gap:9px;}
  .trust__item svg{width:16px;height:16px;color:var(--green-2);flex:none;}

  /* ---- Section scaffold ---- */
  .section{padding:88px 0;}
  .section--alt{background:var(--paper-2);}
  .section__head{max-width:60ch;margin-bottom:46px;}
  .section__head h2{font-size:clamp(1.9rem,3.6vw,2.7rem);margin-top:14px;}
  .section__head p{margin-top:16px;}

  /* ---- Steps ---- */
  .steps{display:grid;gap:0;border-top:1px solid var(--line);}
  .step{
    display:grid;grid-template-columns:88px 1fr 220px;gap:28px;align-items:start;
    padding:30px 0;border-bottom:1px solid var(--line);
  }
  .step__num{font-family:var(--mono);font-size:1.05rem;color:var(--brass);font-weight:600;padding-top:3px;}
  .step__body h3{font-size:1.3rem;}
  .step__body p{margin-top:9px;color:#3c453f;max-width:46ch;}
  .step__agent{
    font-size:0.78rem;color:var(--muted);border-left:1px solid var(--line);padding-left:18px;
  }
  .step__agent b{display:block;color:var(--green);font-weight:600;font-size:0.82rem;margin-bottom:3px;letter-spacing:0.01em;}
  .step__tag{display:inline-block;margin-top:10px;font-family:var(--mono);font-size:0.68rem;letter-spacing:0.08em;text-transform:uppercase;color:var(--brass);border:1px solid var(--line);border-radius:2px;padding:3px 7px;}

  /* ---- Fees + calculator ---- */
  .fees__grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
  .calc{background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:28px;}
  .calc__field{margin-bottom:18px;}
  .calc__field label{display:block;font-size:0.8rem;font-weight:600;color:#3a433d;margin-bottom:7px;}
  .calc__input{
    width:100%;font-family:var(--mono);font-size:1rem;color:var(--ink);
    background:#fff;border:1px solid var(--line);border-radius:2px;padding:12px 13px;
  }
  .calc__input:focus{outline:none;border-color:var(--green-2);}
  .calc__out{
    margin-top:8px;border-top:1px solid var(--line);padding-top:20px;
    display:flex;align-items:flex-end;justify-content:space-between;gap:14px;
  }
  .calc__out small{font-size:0.74rem;letter-spacing:0.14em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:6px;}
  .calc__tier{font-family:var(--sans);font-weight:600;font-size:0.95rem;color:var(--green);}
  .calc__fee{font-family:var(--mono);font-weight:600;font-size:2.1rem;color:var(--ink);letter-spacing:-0.02em;line-height:1;}
  .fees__points{list-style:none;padding:0;margin:24px 0 0;}
  .fees__points li{display:flex;gap:12px;padding:12px 0;border-top:1px solid var(--line-soft);font-size:0.95rem;color:#3c453f;}
  .fees__points li:first-child{border-top:0;}
  .fees__points svg{width:18px;height:18px;color:var(--green-2);flex:none;margin-top:2px;}

  /* ---- Audience ---- */
  .who{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
  .who__card{background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:26px;}
  .who__card h3{font-size:1.1rem;margin-bottom:8px;}
  .who__card p{font-size:0.92rem;color:#3c453f;}

  /* ---- CTA / form ---- */
  .cta{background:var(--green);color:var(--on-green);}
  .cta__grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
  .cta h2{color:#fff;font-size:clamp(1.9rem,3.6vw,2.6rem);}
  .cta__lede{font-family:var(--serif);color:var(--on-green-muted);margin-top:18px;font-size:1.1rem;line-height:1.55;max-width:34ch;}
  .cta__steps{margin-top:26px;display:grid;gap:14px;}
  .cta__step{display:flex;gap:13px;align-items:flex-start;font-size:0.92rem;color:var(--on-green);}
  .cta__step span{font-family:var(--mono);color:#E7C679;font-size:0.85rem;padding-top:1px;}
  .form{background:var(--paper);color:var(--ink);border-radius:4px;padding:30px;}
  .form h3{font-size:1.15rem;margin-bottom:4px;}
  .form p.small{font-size:0.84rem;color:var(--muted);margin-bottom:20px;}
  .form__row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
  .form__field{margin-bottom:14px;}
  .form__field label{display:block;font-size:0.78rem;font-weight:600;margin-bottom:6px;color:#3a433d;}
  .form__field input,.form__field select,.form__field textarea{
    width:100%;font-family:var(--sans);font-size:0.95rem;color:var(--ink);
    background:#fff;border:1px solid var(--line);border-radius:2px;padding:11px 12px;
  }
  .form__field textarea{display:block;resize:vertical;min-height:110px;}
  .form__field input:focus,.form__field select:focus,.form__field textarea:focus{outline:none;border-color:var(--green-2);}
  .form__msg{display:none;margin-top:14px;padding:13px 15px;border-radius:2px;background:#E4ECE5;border:1px solid #B9CDBF;color:var(--green);font-size:0.9rem;}
  .form__msg.show{display:block;}
  .form__note{margin-top:14px;font-size:0.74rem;color:var(--muted);line-height:1.5;}

  /* ---- Footer ---- */
  .footer{background:var(--ink);color:#C7CFC8;padding:56px 0 32px;font-size:0.86rem;}
  .footer__top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,0.1);}
  .footer__brand{display:flex;align-items:center;gap:10px;font-weight:800;color:#fff;font-size:1.1rem;margin-bottom:14px;}
  .footer__brand .brand__mark{color:#9FBFA9;}
  .footer p{max-width:38ch;line-height:1.6;color:#9aa49c;}
  .footer h4{font-size:0.72rem;letter-spacing:0.14em;text-transform:uppercase;color:#7f8a82;margin:0 0 14px;font-weight:600;}
  .footer ul{list-style:none;padding:0;margin:0;display:grid;gap:9px;}
  .footer ul a:hover{color:#fff;}
  .footer__compliance{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:24px;}
  .footer__compliance span{font-family:var(--mono);font-size:0.72rem;color:#7f8a82;}
  .footer__legal{margin-top:26px;color:#6f7a72;font-size:0.76rem;line-height:1.6;max-width:90ch;}
  .footer__bar{margin-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;color:#6f7a72;font-size:0.78rem;}

  .footer__membership{display:flex;justify-content:flex-end;margin-top:24px;padding-top:24px;border-top:1px solid rgba(255,255,255,0.1);}
  .footer__membership img{display:block;width:240px;max-width:100%;height:auto;}
  @media (max-width:540px){.footer__membership{justify-content:flex-start;}}

  /* ---- Reveal animation ---- */
  .reveal{opacity:0;transform:translateY(18px);transition:opacity .7s ease, transform .7s ease;}
  .reveal.in{opacity:1;transform:none;}

  /* ---- Responsive ---- */
  @media (max-width:900px){
    .hero__grid,.fees__grid,.cta__grid{grid-template-columns:1fr;gap:40px;}
    .who{grid-template-columns:1fr;}
    .step{grid-template-columns:54px 1fr;}
    .step__agent{grid-column:1 / -1;border-left:0;border-top:1px solid var(--line-soft);padding-left:0;padding-top:14px;margin-top:4px;}
    .footer__top{grid-template-columns:1fr;gap:28px;}
    .nav__links{
      display:none;position:absolute;top:66px;left:0;right:0;flex-direction:column;
      align-items:flex-start;gap:0;background:var(--paper);border-bottom:1px solid var(--line);padding:8px 28px 20px;
    }
    .nav__links.open{display:flex;}
    .nav__links a{padding:13px 0;width:100%;border-bottom:1px solid var(--line-soft);}
    .nav__links .nav__cta{margin-top:14px;width:100%;}
    .nav__toggle{display:block;}
  }
  @media (max-width:540px){
    body{font-size:16px;}
    .wrap{padding:0 20px;}
    .section{padding:64px 0;}
    .form__row{grid-template-columns:1fr;}
  }
  @media (prefers-reduced-motion:reduce){
    .reveal{opacity:1;transform:none;transition:none;}
    html{scroll-behavior:auto;}
  }

[hidden]{display:none!important}
.skip-link{position:absolute;left:20px;top:-100px;z-index:100;background:var(--green);color:white;padding:12px}.skip-link:focus{top:8px}
.tool-hero{padding:54px 0 34px}.tool-hero h1{font-size:clamp(2.4rem,5vw,3.5rem);margin:14px 0 18px}.tool-hero .lede{max-width:64ch}.breadcrumb{font-size:.83rem;color:var(--muted);margin-bottom:24px}.breadcrumb a{text-decoration:underline;text-underline-offset:3px}
.tool-content{padding:0 0 70px}.tools-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.tool-card{padding:30px;background:#fff;border:1px solid var(--line);border-radius:4px;display:flex;flex-direction:column;align-items:flex-start}.tool-card h2{font-size:1.5rem;margin:16px 0 14px}.tool-card p{color:var(--muted);margin-bottom:22px}.tool-card .btn{margin-top:auto}.card-num{font-family:var(--mono);color:var(--brass);font-size:.86rem}
.tool-strip{display:flex;flex-wrap:wrap;gap:8px;margin-top:28px}.tool-strip a{border:1px solid var(--line);padding:8px 12px;font-size:.8rem;border-radius:3px}.tool-strip a[aria-current=page]{background:var(--green);color:#fff;border-color:var(--green)}.tool-strip a:hover{border-color:var(--green)}
.calculator-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.13fr);gap:28px;align-items:start}.inputs-panel{background:#fff;border:1px solid var(--line);border-radius:4px;padding:28px}.results-panel{background:var(--paper-2);border:1px solid var(--line);border-radius:4px;padding:28px;min-width:0}.results-panel h2{font-size:1.6rem}.results-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:24px}.print-btn{font-size:.8rem;padding:8px 12px;background:transparent;border:1px solid var(--line);border-radius:2px;cursor:pointer;color:var(--ink)}
fieldset{padding:0;margin:0 0 24px;border:0;min-width:0}legend{font-weight:700;font-size:1.05rem;margin:0 0 18px;padding-top:18px;border-top:1px solid var(--line);width:100%}fieldset:first-child legend{padding-top:0;border-top:0}.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px 14px}.field:has(select){grid-column:1/-1}.field label{display:block;font-weight:600;font-size:.8rem;margin-bottom:7px}.field input,.field select{width:100%;max-width:100%;padding:11px 10px;background:var(--paper);color:var(--ink);font:inherit;font-size:.9rem;border:1px solid var(--line);border-radius:2px}.field input{font-family:var(--mono);font-variant-numeric:tabular-nums}.field-help{display:block;font-size:.74rem;line-height:1.5;color:var(--muted);margin-top:7px}.group-help{margin:0 0 15px}.form-actions{display:flex;flex-wrap:wrap;gap:10px}.form-actions .btn{font-size:.84rem;padding:11px 16px}.error{color:#8b2020;background:#fff1ed;padding:14px;border:1px solid #ba6969;margin-bottom:16px;font-size:.9rem}
.metrics{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:0 0 24px}.metric{background:var(--green);color:var(--on-green);padding:19px 18px;min-width:0;border-radius:3px}.metric dt{font-size:.73rem;line-height:1.5;color:var(--on-green-muted);font-weight:500}.metric dd{font:600 clamp(1.35rem,2.3vw,1.8rem)/1.2 var(--mono);margin:9px 0 0;overflow-wrap:anywhere;letter-spacing:-.04em}.metric small{display:block;font-size:.68rem;line-height:1.45;color:var(--on-green-muted);margin-top:9px}.results-panel h3{font-size:1.05rem;margin:30px 0 12px}.breakdown{margin:0}.breakdown>div{display:flex;justify-content:space-between;gap:14px;border-bottom:1px solid var(--line);padding:10px 0;font-size:.82rem}.breakdown dd{margin:0;font-family:var(--mono);white-space:nowrap}.breakdown>div:last-child{font-weight:700}.result-note{font-size:.77rem;line-height:1.65;color:var(--muted);margin:18px 0}.table-scroll{overflow-x:auto;margin:20px 0}table{border-collapse:collapse;width:100%;font-size:.72rem;line-height:1.5}caption{text-align:left;color:var(--muted);margin-bottom:10px}th,td{text-align:right;padding:10px 8px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums;white-space:nowrap}th:first-child{text-align:left}thead th{font-weight:600;color:var(--green)}
.explanation{margin-top:30px;padding:24px;border:1px solid var(--line);border-radius:4px}.explanation h2{font-size:1.15rem;margin-bottom:12px}.explanation p,.explanation li{font-size:.83rem;color:var(--muted)}.explanation p+p{margin-top:12px}.explanation a{text-decoration:underline;text-underline-offset:3px}.tool-cta{display:flex;align-items:center;justify-content:space-between;gap:30px;background:var(--green);color:var(--on-green);padding:32px;margin-top:32px;border-radius:4px}.tool-cta h2{font-size:1.4rem;margin-bottom:10px}.tool-cta p{font-size:.88rem;color:var(--on-green-muted);max-width:52ch}.tool-cta .btn{white-space:nowrap}.resources-empty{max-width:780px;padding:42px;border:1px solid var(--line);background:#fff;border-radius:4px}.resources-empty h2{font-size:1.6rem;margin:14px 0}.resources-empty p{color:var(--muted);max-width:52ch}.resources-empty .btn{margin-top:24px}
@media(max-width:850px){.calculator-layout{grid-template-columns:1fr}.tools-grid{grid-template-columns:1fr}.tool-cta{align-items:flex-start;flex-direction:column}}@media(max-width:540px){.tool-hero{padding-top:34px}.inputs-panel,.results-panel{padding:22px}.fields{grid-template-columns:1fr}.field:has(select){grid-column:auto}.resources-empty{padding:26px}.metric{padding:16px 12px}}
@media print{.nav,.footer,.tool-strip,.tool-cta,.form-actions,.print-btn,.skip-link{display:none!important}body{background:white;font-size:12px}.wrap{padding:0;max-width:none}.tool-hero{padding:0 0 16px}.tool-hero h1{font-size:24px}.calculator-layout{display:block}.inputs-panel,.results-panel{border:0;background:white;padding:0}.fields{grid-template-columns:repeat(3,1fr)}fieldset{margin-bottom:10px}legend{margin-bottom:8px}.field-help{display:none}.field input,.field select{border:0;background:white;padding:2px;appearance:none}.metric{background:#f0f0ec;color:#18221d;break-inside:avoid}.metric dt,.metric small{color:#39423c}.metric dd{font-size:22px}.table-scroll{overflow:visible}table{font-size:10px}tr{break-inside:avoid}.explanation{padding:12px}.tool-content{padding-bottom:0}}