:root{color-scheme:light;
--white:#FFFFFF;--paper:#F2F4F6;--ink:#0B0F14;--ink-soft:#525C66;--line:#E2E6EA;
--navy:#02243B;--black:#000;--blue:#1470AF;--blue-deep:#0F5C91;--blue-bright:#59A7E2;
--on-dark:#fff;--on-dark-soft:#AFC0CD;--maxw:1180px;--radius:16px;--radius-sm:10px;
--head:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
--body:"Poppins",system-ui,-apple-system,"Segoe UI",sans-serif;}
*{box-sizing:border-box}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.7;overflow-x:hidden;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 32px}
h1,h2,h3,h4{margin:0;font-family:var(--head)}
h1,h2{font-weight:800;letter-spacing:-0.04em;line-height:1.02;text-wrap:balance}
h3{font-weight:700;letter-spacing:-0.02em}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.kicker{font-family:var(--head);font-size:12px;font-weight:800;letter-spacing:.22em;text-transform:uppercase;color:var(--blue);display:inline-flex;align-items:center;gap:12px}
.kicker::before{content:"";width:30px;height:3px;background:var(--blue);display:inline-block}
.hl{color:#fff;padding:0 .14em;border-radius:3px;background-image:linear-gradient(var(--blue),var(--blue));background-repeat:no-repeat;background-position:0 100%;background-size:100% 88%;box-decoration-break:clone;-webkit-box-decoration-break:clone}
.btn{display:inline-flex;align-items:center;gap:.5em;font-family:var(--head);font-size:15px;font-weight:700;padding:15px 28px;border-radius:var(--radius-sm);cursor:pointer;border:2px solid transparent;transition:background .14s,color .14s,border-color .14s,transform .14s}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-deep);text-decoration:none;transform:translateY(-2px)}
.btn-outline{border-color:currentColor;color:var(--ink)}.btn-outline:hover{background:var(--ink);color:#fff;text-decoration:none}
.on-dark .btn-outline{color:#fff;border-color:rgba(255,255,255,.6)}.on-dark .btn-outline:hover{background:#fff;color:var(--navy)}
/* nav */
.nav{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:76px}
.brand{display:flex;align-items:center;gap:12px}
.brand .mark{width:38px;height:38px;background:url(/assets/favicon.png) center/contain no-repeat}
.brand .name{font-family:var(--head);font-weight:800;font-size:20px;letter-spacing:-.02em;color:var(--navy)}
.nav-links{display:flex;gap:26px}
.nav-links a{font-family:var(--head);font-size:15px;font-weight:600;color:var(--ink-soft)}.nav-links a:hover{color:var(--blue);text-decoration:none}
.nav .btn{padding:11px 20px;font-size:14px}
@media(max-width:1000px){.nav-links{display:none}}
/* footer */
footer{background:var(--black);color:var(--on-dark-soft);margin-top:0}
.foot-inner{padding:48px 0 56px;display:flex;flex-wrap:wrap;gap:22px 44px;justify-content:space-between}
.fb{display:flex;align-items:center;gap:12px;color:#fff}
.fb .mark{width:36px;height:36px;background:url(/assets/favicon.png) center/contain no-repeat}
.fb .name{font-family:var(--head);font-weight:800;font-size:18px}
.foot-cities{margin-top:12px;font-family:var(--head);font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--blue-bright)}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:14px}
.foot-links a{color:var(--on-dark-soft);font-size:14px}.foot-links a:hover{color:#fff}
.foot-meta{font-size:14px;line-height:1.8}.foot-meta a{color:var(--on-dark-soft)}.foot-meta a:hover{color:#fff}
/* guides index hero */
.ghero{background:var(--navy);color:#fff;padding:80px 0 72px}
.ghero h1{font-size:clamp(36px,5.5vw,64px);margin-top:18px}
.ghero p{margin-top:20px;max-width:56ch;color:var(--on-dark-soft);font-size:19px}
/* cards */
.gsec{padding:72px 0 96px}
.gcards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
@media(max-width:900px){.gcards{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.gcards{grid-template-columns:1fr}}
.gcard{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--white);transition:transform .16s,box-shadow .16s,border-color .16s}
.gcard:hover{transform:translateY(-4px);box-shadow:0 20px 40px -28px rgba(2,36,59,.5);border-color:var(--blue);text-decoration:none}
.gcard .body{padding:26px 26px 28px;display:flex;flex-direction:column;gap:12px;flex:1}
.gcard .cat{font-family:var(--head);font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--blue)}
.gcard h3{font-size:21px;color:var(--ink);line-height:1.18}
.gcard p{color:var(--ink-soft);font-size:15px;line-height:1.55;flex:1}
.gcard .meta{font-size:13px;color:var(--ink-soft);font-family:var(--head);font-weight:600}
.gcard .go{font-family:var(--head);font-weight:800;font-size:14px;color:var(--blue)}
/* article */
.crumbs{padding:26px 0 0;font-size:14px;color:var(--ink-soft)}
.crumbs a{color:var(--ink-soft)}.crumbs a:hover{color:var(--blue)}
.arthead{padding:26px 0 40px;border-bottom:1px solid var(--line)}
.arthead .cat{font-family:var(--head);font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--blue)}
.arthead h1{font-size:clamp(32px,4.6vw,56px);margin:16px 0 18px}
.arthead .sub{font-size:20px;color:var(--ink-soft);max-width:60ch;line-height:1.5}
.arthead .meta{margin-top:22px;font-family:var(--head);font-weight:600;font-size:14px;color:var(--ink-soft)}
.article{max-width:760px;margin:0 auto;padding:44px 32px 20px}
.article p{margin:0 0 22px;font-size:18px;color:#20272E}
.article h2{font-size:clamp(24px,3vw,32px);margin:44px 0 16px}
.article h3{font-size:21px;margin:32px 0 12px}
.article ul,.article ol{margin:0 0 22px;padding-left:24px}
.article li{margin:0 0 10px;font-size:18px;color:#20272E}
.article strong{font-weight:600;color:var(--ink)}
.article a{font-weight:600}
.article blockquote{margin:28px 0;padding:20px 26px;background:var(--paper);border-left:4px solid var(--blue);border-radius:0 var(--radius-sm) var(--radius-sm) 0}
.article blockquote p{margin:0;font-family:var(--head);font-weight:600;font-size:19px;color:var(--ink)}
.keytakeaway{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:24px 28px;margin:34px 0}
.keytakeaway h2{margin:0 0 12px;font-size:18px;letter-spacing:.02em;text-transform:uppercase;color:var(--blue)}
.keytakeaway ul{margin:0;padding-left:22px}.keytakeaway li{font-size:16px}
/* article CTA */
.artcta{background:var(--navy);color:#fff;border-radius:var(--radius);padding:40px 40px 44px;margin:48px 0 10px;text-align:center}
.artcta h2{color:#fff;font-size:clamp(24px,3vw,34px)}
.artcta p{color:var(--on-dark-soft);margin:14px auto 24px;max-width:48ch}
.related{max-width:760px;margin:0 auto;padding:20px 32px 90px}
.related h2{font-size:22px;margin-bottom:20px}
.related-list{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:640px){.related-list{grid-template-columns:1fr}}
.related-list a{border:1px solid var(--line);border-radius:var(--radius-sm);padding:18px 20px;color:var(--ink);font-family:var(--head);font-weight:700;font-size:16px}
.related-list a:hover{border-color:var(--blue);color:var(--blue);text-decoration:none}

.leadform{max-width:600px;margin:0;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px 30px 32px;text-align:left}
.leadform .two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.leadform .row{margin-bottom:16px}
.leadform label{display:block;font-family:var(--head);font-weight:600;font-size:13px;color:var(--ink);margin:0 0 6px}
.leadform input,.leadform textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:var(--body);font-size:15px;color:var(--ink);background:#fff}
.leadform input:focus,.leadform textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(20,112,175,.15)}
.leadform textarea{min-height:110px;resize:vertical}
.leadform button{width:100%;margin-top:6px;justify-content:center}
.leadform .formnote{font-size:12.5px;color:var(--ink-soft);margin-top:14px;text-align:center;line-height:1.5}
.leadform .formnote a{color:var(--blue);font-weight:600}
@media(max-width:520px){.leadform .two{grid-template-columns:1fr}}

.tablewrap{overflow-x:auto;margin:26px 0;-webkit-overflow-scrolling:touch}
.article table{width:100%;border-collapse:collapse;font-size:15.5px;min-width:460px}
.article th,.article td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.article thead th{font-family:var(--head);font-weight:700;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);border-bottom:2px solid var(--navy)}
.article tbody tr:last-child td{border-bottom:2px solid var(--navy)}
.article td.num,.article th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.example{background:#EEF4F9;border:1px solid #CFE0EE;border-radius:var(--radius);padding:24px 28px;margin:32px 0}
.example h3{font-family:var(--head);font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin:0 0 14px}
.example p,.example li{font-size:16px}
.example p:last-child,.example ul:last-child,.example .tablewrap:last-child{margin-bottom:0}
.example table{min-width:0}
.article h2+p .lead,.article .stepnote{color:var(--ink-soft)}

/* team */
.team-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:8px}
.tm{border:1px solid var(--line);border-radius:var(--radius);padding:32px 30px;display:flex;flex-direction:column;gap:16px}
.tm-top{display:flex;align-items:center;gap:18px}
.tm-avatar{width:88px;height:88px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--head);font-weight:800;font-size:30px;flex:none}
.tm h3{font-size:24px}
.tm .role{font-family:var(--head);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-top:4px}
.tm p{color:var(--ink-soft);font-size:15.5px;line-height:1.6}
.tm .tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:2px}
.tm .tag{font-family:var(--head);font-size:12px;font-weight:600;color:var(--navy);background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:5px 12px}
@media(max-width:760px){.team-grid{grid-template-columns:1fr}}
/* valuation calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.calc-form{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.calc-form .fld{margin-bottom:20px}
.calc-form label{display:block;font-family:var(--head);font-weight:600;font-size:14px;color:var(--ink);margin-bottom:8px}
.calc-form label .hint{font-weight:400;color:var(--ink-soft);font-size:13px}
.calc-form input,.calc-form select{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:var(--body);font-size:16px;color:var(--ink);background:#fff}
.calc-form input:focus,.calc-form select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(20,112,175,.15)}
.calc-out{background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px 32px;position:sticky;top:96px}
.calc-out .lab{font-family:var(--head);font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--blue-bright)}
.calc-out .range{font-family:var(--head);font-weight:800;letter-spacing:-.03em;font-size:clamp(30px,4.5vw,46px);line-height:1;margin:12px 0 6px}
.calc-out .mult{color:var(--on-dark-soft);font-family:var(--head);font-weight:700;font-size:15px}
.calc-out .note{color:var(--on-dark-soft);font-size:13px;line-height:1.5;margin-top:20px;border-top:1px solid rgba(255,255,255,.16);padding-top:18px}
.calc-out .cta{margin-top:20px}
@media(max-width:820px){.calc{grid-template-columns:1fr}.calc-out{position:static}}
/* newsletter band */
.nl{background:var(--paper);border-top:1px solid var(--line)}
.nl .wrap{padding:56px 32px;display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.nl h2{font-size:clamp(24px,3vw,34px)}
.nl p{color:var(--ink-soft);margin-top:10px;font-size:16px}
.nl form{display:flex;gap:10px;flex-wrap:wrap}
.nl input{flex:1;min-width:200px;padding:14px 16px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:var(--body);font-size:15px}
.nl input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(20,112,175,.15)}
@media(max-width:760px){.nl .wrap{grid-template-columns:1fr;gap:18px}}

.tm-photo{width:92px;height:92px;border-radius:50%;object-fit:cover;flex:none;border:2px solid var(--line)}
.tm-social{margin-top:4px}
.li-btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--head);font-weight:700;font-size:13px;color:#fff;background:#0A66C2;border-radius:var(--radius-sm);padding:9px 14px}
.li-btn:hover{background:#004182;text-decoration:none}
.li-btn svg{width:16px;height:16px;fill:currentColor}
.li-inline{display:inline-flex;align-items:center;gap:7px;font-family:var(--head);font-weight:700;font-size:13px;color:#0A66C2}
.li-inline:hover{text-decoration:underline}
.li-inline svg{width:16px;height:16px;fill:#0A66C2}