:root{--bg:#f3ecdc;--bg2:#ebe2cd;--panel:#fbf7ee;--ink:#1b2233;--muted:#5d6577;--navy:#13315c;--gold:#b8892e;--green:#2f6b3a;--rule:#cdbf9f;--r:6px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 "IBM Plex Sans",Georgia,system-ui,sans-serif}
a{color:var(--navy)}img{max-width:100%;height:auto;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:"Fraunces",Georgia,"Times New Roman",serif;font-weight:700;line-height:1.05;margin:0 0 .4em;letter-spacing:-.01em;text-wrap:balance;color:var(--navy)}
h1{font-size:clamp(44px,7.5vw,88px);font-variation-settings:"opsz" 144,"SOFT" 40}h2{font-size:clamp(30px,4.2vw,50px)}h3{font-size:21px}
.eyebrow{color:var(--gold);font-weight:700;letter-spacing:.2em;text-transform:uppercase;font-size:11px;font-family:"IBM Plex Sans",sans-serif}
nav.top{position:sticky;top:0;z-index:50;background:rgba(243,236,220,.92);backdrop-filter:blur(8px);border-bottom:2px solid var(--navy)}
nav.top .wrap{display:flex;align-items:center;gap:22px;height:64px}
nav.top .logo{font-family:"Fraunces",serif;font-weight:900;font-size:24px;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
nav.top .links{display:flex;align-items:center;gap:20px;margin-left:auto;flex-wrap:wrap}nav.top .links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14px}nav.top .links a.btn.primary{color:#fff}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:var(--r);font-weight:700;text-decoration:none;border:2px solid var(--navy);cursor:pointer;font-size:14px;letter-spacing:.06em;text-transform:uppercase;transition:transform .12s;font-family:"IBM Plex Sans",sans-serif}
.btn:hover{transform:translateY(-1px)}.btn.primary{background:var(--navy);color:#fff}.btn.gold{background:var(--gold);border-color:var(--gold);color:#fff}.btn.ghost{background:transparent;color:var(--navy)}
.hero{position:relative;padding:76px 0 40px;border-bottom:3px double var(--navy)}
.hero .grid{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.hero p.lead{font-size:20px;color:var(--muted);max-width:560px}
.ctas{display:flex;gap:14px;flex-wrap:wrap;margin:26px 0 12px}
.fine{font-size:13px;color:var(--muted)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:30px;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.stat{padding:16px 14px;min-height:96px;display:flex;flex-direction:column;justify-content:center;border-right:1px solid var(--rule)}.stat:last-child{border-right:0}
.stat b{display:block;font-size:30px;line-height:1;font-family:"Fraunces",serif;font-weight:900;color:var(--navy);margin-bottom:8px;white-space:nowrap;font-variant-numeric:tabular-nums}
.stat span{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;white-space:nowrap}
section{padding:70px 0;border-top:1px solid var(--rule)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
.card{background:var(--panel);border:1px solid var(--rule);border-radius:var(--r);padding:20px}.card h3{color:var(--navy)}.card p{color:var(--muted);margin:0;font-size:15px}
/* the retiree portrait */
.portrait{position:relative;background:var(--panel);border:1px solid var(--rule);border-radius:var(--r);padding:26px;aspect-ratio:1/1;display:grid;place-items:center;box-shadow:0 20px 50px rgba(19,49,92,.12)}
.portrait .frame{position:absolute;inset:14px;border:3px double var(--gold);border-radius:2px;pointer-events:none}
.portrait .face{position:relative;width:54%;aspect-ratio:1;border-radius:50%;background:linear-gradient(160deg,#f2cfae,#d9a982);box-shadow:inset -10px -14px 0 rgba(0,0,0,.08)}
.portrait .hair{position:absolute;top:-4%;left:8%;right:8%;height:26%;border-radius:50% 50% 0 0;background:#d8d8d8}
.portrait .glass{position:absolute;top:38%;width:24%;aspect-ratio:1;border:4px solid var(--navy);border-radius:50%}.portrait .glass.l{left:16%}.portrait .glass.r{right:16%}
.portrait .bridge{position:absolute;top:47%;left:40%;right:40%;height:4px;background:var(--navy)}
.portrait .brow{position:absolute;top:32%;width:24%;height:5px;background:#9a9a9a;border-radius:3px}.portrait .brow.l{left:16%;transform:rotate(-6deg)}.portrait .brow.r{right:16%;transform:rotate(6deg)}
.portrait .mouth{position:absolute;left:50%;top:70%;width:22%;height:6px;transform:translateX(-50%);background:var(--navy);border-radius:3px}
.portrait .polo{position:absolute;bottom:-2%;left:50%;transform:translateX(-50%);width:110%;height:26%;background:var(--green);border-radius:50% 50% 0 0}
.portrait .plaque{position:absolute;bottom:22px;left:50%;transform:translateX(-50%);background:var(--navy);color:#f3ecdc;font:700 12px/1 "IBM Plex Sans",sans-serif;padding:8px 14px;letter-spacing:.12em;text-transform:uppercase;white-space:nowrap}
/* nest egg card */
.egg{background:var(--panel);border:1px solid var(--rule);border-radius:var(--r);padding:22px}
.egg-head{display:flex;justify-content:space-between;align-items:flex-start;gap:10px;border-bottom:2px solid var(--navy);padding-bottom:12px;margin-bottom:6px}
.egg-head h3{margin:0;font-size:22px}.egg-head small{display:block;color:var(--muted);font-size:12px;margin-top:4px}
.egg-list{list-style:none;margin:0;padding:0}.egg-list li{display:flex;align-items:center;gap:14px;padding:14px 0;border-bottom:1px solid var(--rule)}.egg-list li:last-child{border-bottom:0}
.e-ico{width:38px;height:38px;border-radius:var(--r);background:var(--bg2);display:grid;place-items:center;font-size:18px;flex:none}
.e-main{flex:1;min-width:0}.e-main b{display:block;font-size:15px}.e-main small{display:block;color:var(--muted);font-size:12px}
.htag{font:700 10px/1 "IBM Plex Sans",sans-serif;letter-spacing:.1em;padding:6px 9px;border-radius:3px;text-transform:uppercase;white-space:nowrap}
.htag.live{background:var(--green);color:#fff}.htag.planned{background:var(--bg2);color:var(--ink);border:1px solid var(--rule)}.htag.soon{background:var(--gold);color:#fff}.htag.mock{background:var(--bg2);color:var(--muted);border:1px solid var(--rule)}
.how{margin-top:26px;background:var(--bg2);border:1px solid var(--rule);border-radius:var(--r);padding:20px 22px}
.how .t{font-family:"Fraunces",serif;font-weight:700;font-size:20px;color:var(--navy)}.how .t span{font:500 13px "IBM Plex Sans",sans-serif;color:var(--muted);margin-left:8px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;list-style:none;padding:0;margin:14px 0 0;counter-reset:s}
.steps li{background:var(--panel);border:1px solid var(--rule);border-radius:var(--r);padding:14px;font-size:14px;color:var(--muted);position:relative;padding-left:44px;counter-increment:s}
.steps li::before{content:counter(s);position:absolute;left:12px;top:12px;width:22px;height:22px;border-radius:50%;background:var(--navy);color:#fff;font:700 12px/22px "IBM Plex Sans",sans-serif;text-align:center}
.steps li b{color:var(--ink);display:block;margin-bottom:2px}
.kicker{margin:16px 0 0;font-family:"Fraunces",serif;font-weight:700;font-style:italic;font-size:clamp(18px,2.4vw,26px);color:var(--navy)}
/* patience ladder */
.ladder{display:grid;grid-template-columns:repeat(5,1fr);gap:0;margin-top:20px;border:1px solid var(--rule);border-radius:var(--r);overflow:hidden;background:var(--panel)}
.rung{padding:16px;border-right:1px solid var(--rule)}.rung:last-child{border-right:0}.rung b{display:block;font-family:"Fraunces",serif;font-size:18px;color:var(--navy);margin-bottom:6px}.rung p{margin:0;color:var(--muted);font-size:13px}
.legend{display:flex;gap:14px;flex-wrap:wrap;margin:16px 0 0;font-size:13px;color:var(--muted)}.legend i{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px}
.dot.live{background:var(--green)}.dot.soon{background:var(--gold)}.dot.mock{background:var(--rule)}
table.spec{width:100%;border-collapse:collapse;font-size:15px}table.spec td{padding:12px 8px;border-bottom:1px solid var(--rule)}table.spec td:first-child{color:var(--muted)}
footer{padding:40px 0;border-top:3px double var(--navy);color:var(--muted);font-size:13px}footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}footer b{color:var(--ink);display:block;margin-bottom:6px}footer a{display:block;color:var(--muted);text-decoration:none;margin:3px 0}
@media(max-width:820px){.hero .grid,.two{grid-template-columns:1fr}.stats{grid-template-columns:repeat(2,1fr)}.stat:nth-child(2){border-right:0}.ladder{grid-template-columns:1fr}.rung{border-right:0;border-bottom:1px solid var(--rule)}}