:root{--forest-900:#12211A;--forest-700:#1B4332;--forest-600:#24513D;--gold-600:#B98A2E;--gold-300:#E8C97A;--parchment-50:#F6F3EA;--parchment-100:#ECE6D4;--sage-500:#6E8577;--line:#D8D0BA;--line-dark:rgba(232,201,122,0.25);--display:'Fraunces',Georgia,serif;--body:'IBM Plex Sans',-apple-system,sans-serif;--mono:'IBM Plex Mono',monospace}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--body);color:var(--forest-900);background:var(--parchment-50);line-height:1.6;font-size:16px}img,svg{display:block;max-width:100%}a{color:inherit;text-decoration:none}.wrap{max-width:1120px;margin:0 auto;padding:0 32px}h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.15;letter-spacing:-0.01em}.eyebrow{font-family:var(--mono);font-size:12px;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold-600)}.eyebrow.on-dark{color:var(--gold-300)}.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--mono);font-size:13px;letter-spacing:0.04em;padding:13px 24px;border-radius:2px;border:1px solid transparent;cursor:pointer;transition:opacity .15s ease}.btn:hover{opacity:0.85}.btn-gold{background:var(--gold-600);color:var(--forest-900)}.btn-outline{border-color:var(--line-dark);color:var(--parchment-50)}.btn-outline-dark{border-color:var(--forest-700);color:var(--forest-700)}.top-social-bar{background:var(--forest-900);padding:24px 0}.top-social-bar .footer-social{border-bottom:none;margin-bottom:0;padding-bottom:0}header{position:sticky;top:0;z-index:50;background:rgba(246,243,234,0.94);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}header .wrap{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:20px;padding-top:28px;padding-bottom:28px;text-align:center;transition:padding .25s ease,gap .25s ease}header.scrolled .wrap{padding-top:12px;padding-bottom:12px;gap:10px}header.scrolled .logo .mark{font-size:19px}header.scrolled .logo .sub{font-size:0;margin-top:0;opacity:0}header.scrolled nav .links{font-size:13px;gap:22px}header.scrolled .btn{font-size:12px;padding:10px 18px}.logo{display:flex;flex-direction:column;align-items:center}.logo .mark{font-family:var(--display);font-size:34px;font-weight:600;color:var(--forest-700);text-transform:uppercase;letter-spacing:0.02em;transition:font-size .25s ease}.logo .sub{font-family:var(--mono);font-size:13px;letter-spacing:0.08em;color:var(--sage-500);text-transform:uppercase;margin-top:4px;transition:font-size .25s ease,margin-top .25s ease,opacity .25s ease}nav{display:flex;align-items:center;gap:40px;flex-wrap:wrap;justify-content:center}nav .links{display:flex;gap:32px;font-size:16px;font-weight:500;transition:font-size .25s ease,gap .25s ease}nav .links a{color:var(--forest-900);opacity:0.75}nav .links a:hover{opacity:1}nav .links a.current{opacity:1;color:var(--gold-600)}header .btn{font-size:14px;padding:14px 26px;font-weight:600;transition:font-size .25s ease,padding .25s ease}@media (max-width:860px){nav .links{display:none}.logo .mark{font-size:26px}}.page-head{background:var(--forest-700);color:var(--parchment-50);padding:72px 0 64px}.page-head h1{font-size:44px;color:var(--parchment-50);margin:14px 0 18px}.page-head h1 em{font-style:normal;color:var(--gold-300)}.page-head p{font-size:17px;color:#CFE0D6;max-width:620px}@media (max-width:640px){.page-head h1{font-size:32px}}.post-list{padding:72px 0 96px}.post-card{display:grid;grid-template-columns:300px 1fr;gap:36px;padding:36px 0;border-bottom:1px solid var(--line);align-items:start}.post-card:first-child{padding-top:0}.post-card .thumb{border:1px solid var(--line);background:var(--parchment-100)}.post-card .thumb img{width:100%;aspect-ratio:1200/630;object-fit:cover}.post-card .meta{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:12px}.chip{font-family:var(--mono);font-size:11px;letter-spacing:0.08em;text-transform:uppercase;color:var(--forest-700);border:1px solid var(--line);background:var(--parchment-100);padding:4px 10px;border-radius:2px}.post-date{font-family:var(--mono);font-size:12px;letter-spacing:0.05em;color:var(--sage-500);text-transform:uppercase}.post-card h2{font-size:28px;color:var(--forest-700);margin-bottom:12px}.post-card h2 a:hover{color:var(--gold-600)}.post-card p{color:#4A5D52;font-size:15.5px;margin-bottom:16px}.read-more{font-family:var(--mono);font-size:12.5px;letter-spacing:0.06em;text-transform:uppercase;color:var(--gold-600);border-bottom:1px solid var(--gold-600);padding-bottom:2px}@media (max-width:820px){.post-card{grid-template-columns:1fr;gap:20px}}.article-head{background:var(--parchment-100);border-bottom:1px solid var(--line);padding:56px 0 48px}.article-head .inner{max-width:760px;margin:0 auto}.article-head .meta{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:18px}.article-head h1{font-size:42px;color:var(--forest-700);margin-bottom:20px}.article-head .dek{font-size:18px;color:#4A5D52;line-height:1.6}.byline{display:flex;align-items:center;gap:12px;margin-top:28px;padding-top:20px;border-top:1px solid var(--line)}.byline .avatar{width:44px;height:44px;border-radius:50%;border:2px solid var(--gold-600);display:flex;align-items:center;justify-content:center;font-family:var(--mono);font-size:14px;color:var(--forest-700);flex-shrink:0}.byline .who b{display:block;font-size:14px;color:var(--forest-900)}.byline .who span{font-family:var(--mono);font-size:11.5px;letter-spacing:0.04em;color:var(--sage-500);text-transform:uppercase}@media (max-width:640px){.article-head h1{font-size:30px}.article-head .dek{font-size:16px}}.article-hero{max-width:900px;margin:0 auto;padding:40px 32px 0}.article-hero img{width:100%;border:1px solid var(--line)}article.post{max-width:720px;margin:0 auto;padding:48px 32px 80px}article.post p{font-size:17.5px;line-height:1.75;margin-bottom:24px;color:#22332B}article.post h2{font-size:27px;color:var(--forest-700);margin:44px 0 18px}article.post h3{font-size:20px;color:var(--forest-700);margin:32px 0 12px}article.post strong{font-weight:600;color:var(--forest-900)}article.post em{font-style:italic}article.post a{color:var(--gold-600);border-bottom:1px solid rgba(185,138,46,0.4)}article.post a:hover{border-bottom-color:var(--gold-600)}article.post ul,article.post ol{margin:0 0 24px 22px}article.post li{font-size:17.5px;line-height:1.75;margin-bottom:12px;color:#22332B}article.post li::marker{color:var(--gold-600)}article.post hr{border:none;border-top:1px solid var(--line);margin:44px 0}.takeaway{background:var(--parchment-100);border-left:3px solid var(--gold-600);padding:26px 28px;margin:36px 0}.takeaway .eyebrow{margin-bottom:12px;display:block}.takeaway p:last-child,.takeaway ul:last-child,.takeaway li:last-child{margin-bottom:0}.brokers-take{background:var(--forest-700);color:var(--parchment-50);padding:32px;margin:44px 0}.brokers-take .eyebrow{color:var(--gold-300);display:block;margin-bottom:14px}.brokers-take p{color:#DCE8E0;margin-bottom:18px;font-size:17px}.brokers-take p:last-child{margin-bottom:0}.brokers-take strong{color:var(--parchment-50)}.post-cta{background:var(--forest-900);color:var(--parchment-50);padding:56px 0}.post-cta .inner{max-width:760px;margin:0 auto;padding:0 32px;text-align:center}.post-cta h3{font-size:28px;color:var(--parchment-50);margin:14px 0 16px}.post-cta p{color:#B9CCC1;font-size:15.5px;margin-bottom:10px}.post-cta .contact{font-family:var(--mono);font-size:14px;color:var(--gold-300);letter-spacing:0.03em;margin:20px 0 26px;line-height:2}.post-cta .contact a{color:var(--gold-300)}.post-cta .fine{font-size:13px;color:#8FA396;font-style:italic;margin-top:22px;margin-bottom:0}.share{display:flex;align-items:center;gap:14px;justify-content:center;margin-top:26px}.share span{font-family:var(--mono);font-size:11px;letter-spacing:0.1em;text-transform:uppercase;color:#8FA396}.share a{width:34px;height:34px;border:1px solid var(--line-dark);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#B9CCC1}.share a:hover{color:var(--gold-300);border-color:var(--gold-600)}.share svg{width:16px;height:16px}.post-nav{max-width:760px;margin:0 auto;padding:0 32px 72px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.post-nav a{font-family:var(--mono);font-size:12.5px;letter-spacing:0.05em;text-transform:uppercase;color:var(--forest-700);border:1px solid var(--line);padding:12px 20px;background:var(--parchment-100)}.post-nav a:hover{border-color:var(--gold-600);color:var(--gold-600)}footer{background:var(--forest-900);border-top:1px solid var(--line-dark);padding:40px 0;color:#8FA396;font-size:12.5px}.footer-social{display:flex;gap:32px;justify-content:center;padding-bottom:24px;margin-bottom:24px;border-bottom:1px solid var(--line-dark)}.footer-social a{color:#8FA396;display:flex;align-items:center;justify-content:center;opacity:0.85;text-decoration:none}.footer-social a:hover{color:var(--gold-300);opacity:1}.footer-social svg{width:32px;height:32px}footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px}footer a{opacity:0.85}footer a:hover{opacity:1}