:root {
  --navy: #1F2A44;
  --off-white: #F7F5F2;
  --sage: #6FA89A;
  --sand: #D6A85C;
  --sand-hover: #C99947;
  --charcoal: #2E2E2E;
  --light-grey: #E6E6E6;
  --column: 720px;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; overflow-x: hidden; }

body {
  margin: 0;
  background: var(--off-white);
  color: var(--charcoal);
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Helvetica Neue', sans-serif;
  font-size: 17px;
  line-height: 1.65;
  font-feature-settings: "tnum" 1;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; }

a { color: var(--navy); text-decoration: underline; text-decoration-color: var(--sage); text-underline-offset: 3px; text-decoration-thickness: 1.5px; transition: color 0.15s ease; }
a:hover { color: var(--sage); }

h1, h2, h3, h4 {
  color: var(--navy);
  font-family: 'Inter', sans-serif;
  margin: 0 0 0.4em 0;
  line-height: 1.2;
}

h1 { font-size: 44px; font-weight: 700; letter-spacing: -0.01em; margin-bottom: 0.5em; }
h2 { font-size: 28px; font-weight: 600; margin-top: 2em; }
h3 { font-size: 20px; font-weight: 600; margin-top: 1.6em; }
h4 { font-size: 17px; font-weight: 600; margin-top: 1.4em; margin-bottom: 0.2em; }

p { margin: 0 0 1.1em 0; max-width: 65ch; }

ul, ol { margin: 0 0 1.4em 0; padding-left: 1.4em; max-width: 65ch; }
li { margin-bottom: 0.5em; }
li::marker { color: var(--sage); }

strong { color: var(--navy); font-weight: 600; }

hr { border: none; border-top: 1px solid var(--light-grey); margin: 3em 0; }

/* Header */
header.site {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 245, 242, 0.92);
  backdrop-filter: saturate(180%) blur(8px);
  -webkit-backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid rgba(31, 42, 68, 0.06);
}

.header-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 18px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.wordmark {
  display: inline-flex;
  align-items: baseline;
  text-decoration: none;
  cursor: pointer;
}

.wordmark-text {
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 28px;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1;
  position: relative;
}

.wordmark-svg { height: 28px; width: auto; display: block; }

nav.primary {
  display: flex;
  gap: 28px;
  align-items: center;
}

nav.primary a {
  text-decoration: none;
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: 0;
  padding: 6px 0;
  border-bottom: 1.5px solid transparent;
  transition: border-color 0.15s ease;
}

nav.primary a:hover { border-bottom-color: var(--sage); }
nav.primary a.active { border-bottom-color: var(--navy); }

.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 500;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: background 0.15s ease, color 0.15s ease;
  letter-spacing: 0;
}

.btn-primary {
  background: var(--sand);
  color: var(--navy);
}
.btn-primary:hover { background: var(--sand-hover); color: var(--navy); }

.btn-secondary {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--navy);
  padding: 10.5px 20px;
}
.btn-secondary:hover { background: rgba(31, 42, 68, 0.05); }

.header-cta { font-size: 14px; padding: 9px 18px; }

/* Main layout */
main {
  max-width: 1180px;
  margin: 0 auto;
  padding: 64px 32px 96px;
}

.column {
  max-width: var(--column);
  margin: 0 auto;
}

.lead {
  font-family: 'Source Serif 4', Georgia, serif;
  font-style: italic;
  font-size: 21px;
  line-height: 1.55;
  color: var(--navy);
  margin: 0 0 2.2em 0;
  max-width: 60ch;
}

.section-label {
  display: inline-block;
  font-size: 13px;
  font-weight: 500;
  color: var(--sage);
  letter-spacing: 0.04em;
  margin-bottom: 8px;
  margin-top: 3em;
}

.section-label:first-child { margin-top: 0; }

/* Hero */
.hero {
  padding: 24px 0 32px;
  max-width: 820px;
  margin: 0 auto;
}

.hero h1 {
  font-size: 56px;
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.08;
  margin-bottom: 24px;
  max-width: 18ch;
}

.hero .lead { font-size: 22px; max-width: 56ch; margin-bottom: 0; }

/* Cards / categories */
.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin: 1.5em 0 2em;
  max-width: 100%;
}

.card {
  background: white;
  border: 1px solid var(--light-grey);
  border-radius: 10px;
  padding: 24px 26px;
}

.card h4 { margin-top: 0; color: var(--navy); }
.card p { margin-bottom: 0; font-size: 16px; }

/* Steps */
.steps {
  counter-reset: step;
  list-style: none;
  padding-left: 0;
  margin: 1.5em 0;
}
.steps li {
  counter-increment: step;
  padding: 16px 0 16px 56px;
  position: relative;
  border-top: 1px solid var(--light-grey);
}
.steps li::before {
  content: counter(step);
  position: absolute;
  left: 0;
  top: 18px;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--off-white);
  border: 1.5px solid var(--sage);
  color: var(--navy);
  font-weight: 600;
  font-size: 14px;
  border-radius: 50%;
}
.steps li:last-child { border-bottom: 1px solid var(--light-grey); }
.steps li strong { display: block; margin-bottom: 4px; }

/* Categories list (Insights) */
.article-list {
  counter-reset: art;
  list-style: none;
  padding-left: 0;
  border-top: 1px solid var(--light-grey);
}
.article-list li {
  counter-increment: art;
  padding: 14px 0 14px 44px;
  border-bottom: 1px solid var(--light-grey);
  position: relative;
  color: var(--navy);
  font-weight: 500;
}
.article-list li::before {
  content: counter(art, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: 14px;
  color: var(--sage);
  font-size: 14px;
  font-weight: 500;
}
.article-list a {
  text-decoration: none;
  color: var(--navy);
  border-bottom: 1px solid transparent;
}
.article-list a:hover { border-bottom-color: var(--sage); color: var(--navy); }

/* Article cards (Insights index) */
.article-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 28px;
  margin: 32px 0 56px;
}
.article-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--light-grey);
  border-radius: 8px;
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.article-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(31, 42, 68, 0.08);
  border-color: var(--sage);
}
.article-card img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
}
.article-card-body {
  padding: 22px 24px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.article-card .card-tag {
  font-size: 12px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--sage);
  font-weight: 600;
}
.article-card h3 {
  font-size: 19px;
  line-height: 1.3;
  margin: 0;
  color: var(--navy);
  font-weight: 600;
}
.article-card p {
  margin: 0;
  font-size: 15px;
  color: var(--mid-grey);
  line-height: 1.5;
}

/* Article page (single) */
article.page.article .column { max-width: 760px; }
.article-hero {
  margin: 12px 0 28px;
  border-radius: 8px;
  overflow: hidden;
  background: var(--light-grey);
}
.article-hero img {
  width: 100%;
  height: auto;
  display: block;
  aspect-ratio: 16 / 9;
  object-fit: cover;
}
.article-meta {
  font-size: 14px;
  color: var(--mid-grey);
  margin: 0 0 32px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--light-grey);
}
article.page.article h2 {
  margin-top: 44px;
  font-size: 26px;
  letter-spacing: -0.4px;
}
article.page.article h3 {
  margin-top: 32px;
  font-size: 20px;
  color: var(--navy);
}
article.page.article h4 {
  margin-top: 24px;
  font-size: 17px;
  color: var(--navy);
}
article.page.article p { margin: 0 0 18px; }
article.page.article ul, article.page.article ol { margin: 0 0 22px; padding-left: 22px; }
article.page.article li { margin-bottom: 8px; line-height: 1.65; }
article.page.article table.cost { margin: 18px 0 28px; }
.article-end {
  border: none;
  border-top: 1px solid var(--light-grey);
  margin: 56px 0 24px;
}
.article-footnote {
  font-size: 13px;
  color: var(--mid-grey);
  font-style: italic;
}

/* Footer */
footer.site {
  background: var(--navy);
  color: var(--off-white);
  padding: 64px 32px 32px;
  margin-top: 96px;
}
.footer-inner {
  max-width: 1180px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(247, 245, 242, 0.12);
}
footer.site h5 {
  font-size: 13px;
  font-weight: 500;
  color: var(--sage);
  margin: 0 0 16px;
  letter-spacing: 0.04em;
}
footer.site .desc {
  font-size: 15px;
  color: rgba(247, 245, 242, 0.75);
  max-width: 32ch;
  margin-top: 16px;
}
footer.site ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
footer.site li { margin-bottom: 10px; }
footer.site a {
  color: var(--off-white);
  text-decoration: none;
  font-size: 15px;
  border-bottom: 1px solid transparent;
}
footer.site a:hover { border-bottom-color: var(--sage); color: var(--off-white); }

.footer-baseline {
  max-width: 1180px;
  margin: 0 auto;
  padding-top: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: rgba(247, 245, 242, 0.6);
}
.footer-baseline .legal-links a {
  color: rgba(247, 245, 242, 0.7);
  margin-right: 18px;
  font-size: 13px;
}
.footer-baseline .disclaimer {
  font-size: 13px;
  max-width: 60ch;
  color: rgba(247, 245, 242, 0.55);
}

/* Editorial imagery */
figure.editorial {
  margin: 2.4em 0 2.6em;
  max-width: 100%;
}
figure.editorial img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: 4px;
}
figure.editorial.wide {
  margin-left: calc((var(--column) - min(100%, 920px)) / 2);
  margin-right: calc((var(--column) - min(100%, 920px)) / 2);
  max-width: 920px;
}
figure.editorial.full {
  width: calc(100vw - 64px);
  max-width: 1080px;
  margin-left: 50%;
  transform: translateX(-50%);
}
figure.editorial figcaption {
  font-size: 13px;
  color: #6b6b6b;
  margin-top: 12px;
  line-height: 1.5;
  max-width: 60ch;
}
figure.editorial figcaption strong {
  color: var(--charcoal);
  font-weight: 500;
}
figure.editorial figcaption .credit {
  color: #9a9a9a;
  font-size: 12px;
  margin-left: 6px;
}

/* Hero with image */
.hero-with-image {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: center;
  max-width: 1080px;
  margin: 0 auto;
  padding: 24px 0 48px;
}
.hero-with-image .hero-text h1 { font-size: 52px; line-height: 1.08; max-width: 100%; }
.hero-with-image .hero-text .lead { font-size: 20px; }
.hero-with-image figure {
  margin: 0;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border-radius: 6px;
  background: #e6dfd5;
}
.hero-with-image figure img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Quote treatment */
blockquote {
  font-family: 'Source Serif 4', Georgia, serif;
  font-style: italic;
  font-size: 19px;
  line-height: 1.55;
  color: var(--navy);
  border-left: 2px solid var(--sage);
  padding: 4px 0 4px 20px;
  margin: 1.5em 0;
  max-width: 56ch;
}

/* Three-column grid (Funding products hub) */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 1.5em 0 2em;
  max-width: 100%;
}

/* Product card on hub */
.product-card {
  background: white;
  border: 1px solid var(--light-grey);
  border-radius: 10px;
  padding: 24px 26px;
  display: flex;
  flex-direction: column;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.product-card:hover { border-color: var(--sage); }
.product-card h4 {
  margin-top: 0;
  color: var(--navy);
  font-size: 18px;
}
.product-card .pc-desc {
  font-size: 15px;
  color: var(--charcoal);
  margin: 0 0 14px 0;
  flex: 1;
}
.product-card .pc-meta {
  font-size: 13px;
  color: #6b6b6b;
  margin-bottom: 14px;
  line-height: 1.55;
}
.product-card .pc-meta strong { color: var(--navy); font-weight: 500; }
.product-card .pc-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
  border-bottom: 1.5px solid var(--sage);
  align-self: flex-start;
  padding-bottom: 1px;
}
.product-card .pc-link:hover { color: var(--sage); }

/* Back link / breadcrumb */
.back-link {
  display: inline-block;
  font-size: 14px;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
  margin-bottom: 24px;
  border-bottom: 1px solid transparent;
}
.back-link::before { content: "\2190  "; color: var(--sage); }
.back-link:hover { border-bottom-color: var(--sage); }

/* At-a-glance / callout */
.at-a-glance {
  background: white;
  border: 1px solid var(--light-grey);
  border-left: 3px solid var(--sage);
  border-radius: 4px;
  padding: 22px 26px;
  margin: 1.5em 0 2.4em;
  font-size: 15.5px;
}
.at-a-glance h4 {
  margin: 0 0 12px;
  font-size: 13px;
  font-weight: 500;
  color: var(--sage);
  letter-spacing: 0.04em;
  text-transform: none;
}
.at-a-glance dl {
  margin: 0;
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 8px 24px;
}
.at-a-glance dt {
  font-weight: 500;
  color: var(--navy);
}
.at-a-glance dd {
  margin: 0;
  color: var(--charcoal);
}

/* Worked example callout */
.callout {
  background: rgba(111, 168, 154, 0.06);
  border-radius: 6px;
  padding: 20px 24px;
  margin: 1.4em 0;
  font-size: 15.5px;
}
.callout h4 {
  margin-top: 0;
  margin-bottom: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--sage);
  letter-spacing: 0.04em;
}
.callout p:last-child, .callout ul:last-child { margin-bottom: 0; }
.callout ul { margin: 0.4em 0; }

/* Cost table */
table.cost {
  width: 100%;
  border-collapse: collapse;
  margin: 1.2em 0 1.8em;
  font-size: 15.5px;
}
table.cost th, table.cost td {
  text-align: left;
  padding: 10px 14px;
  border-bottom: 1px solid var(--light-grey);
  vertical-align: top;
}
table.cost th {
  color: var(--navy);
  font-weight: 500;
  font-size: 13px;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  border-bottom: 1.5px solid var(--navy);
}
table.cost td:first-child {
  font-weight: 500;
  color: var(--navy);
  width: 38%;
}

/* Mobile menu */
.menu-toggle {
  display: none;
  background: transparent;
  border: 1.5px solid var(--navy);
  color: var(--navy);
  padding: 8px 14px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 14px;
  font-weight: 500;
}

/* Cookie consent banner */
.cookie-banner {
  position: fixed;
  bottom: 16px;
  left: 16px;
  right: 16px;
  max-width: 720px;
  margin: 0 auto;
  background: white;
  border: 1px solid var(--light-grey);
  border-radius: 10px;
  box-shadow: 0 12px 40px rgba(31, 42, 68, 0.16);
  padding: 20px 22px;
  z-index: 200;
  display: none;
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--charcoal);
}
.cookie-banner.visible { display: block; }
.cookie-banner h4 {
  margin: 0 0 6px 0;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
}
.cookie-banner p {
  margin: 0 0 14px 0;
  font-size: 14px;
  max-width: none;
}
.cookie-banner .actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.cookie-banner .btn {
  font-size: 14px;
  padding: 9px 16px;
}
.cookie-banner .btn-link {
  background: transparent;
  color: var(--navy);
  text-decoration: underline;
  text-decoration-color: var(--sage);
  padding: 9px 8px;
  font-size: 13.5px;
}
.cookie-banner a { color: var(--navy); text-decoration-color: var(--sage); }

@media (max-width: 860px) {
  .hero-with-image { grid-template-columns: 1fr; gap: 32px; padding: 8px 0 24px; }
  .hero-with-image .hero-text h1 { font-size: 36px; }
  figure.editorial.full { width: calc(100vw - 40px); }

  .grid-3 { grid-template-columns: 1fr; gap: 16px; }
  .at-a-glance dl { grid-template-columns: 1fr; gap: 4px; }
  .at-a-glance dt { margin-top: 8px; }
  .at-a-glance dt:first-child { margin-top: 0; }

  nav.primary { display: none; }
  nav.primary.open {
    display: flex;
    position: absolute;
    top: 100%;
    right: 24px;
    flex-direction: column;
    align-items: flex-start;
    background: var(--off-white);
    padding: 20px 24px;
    border: 1px solid var(--light-grey);
    bor