@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:.001ms !important;transition-duration:.001ms !important;scroll-behavior:auto !important}}
:root{
  --navy:#0A1F3D;--navy-lift:#0C264A;--navy-deep:#081A36;
  --plum:#4A2B4A;--plum-lift:#5B3559;--plum-deep:#341E34;
  --petrol:#14464E;--petrol-lift:#1B5A63;--petrol-deep:#0E343A;
  --gold:#C8AD61;--gold-light:#D4B373;--gold-deep:#A8853C;
  --paper:#FBFAF6;--paper-2:#F1ECE0;--platinum-light:#F5F3EE;--white:#FFFFFF;--cream:#F5F1E6;--steel:#8C99AC;
  --ink:#0A1F3D;--muted:#6B7480;
  --f-display:'Fraunces',Georgia,serif;--f-body:'Manrope',sans-serif;--f-logo:'Montserrat',sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--f-body);background:var(--paper);color:var(--ink);-webkit-font-smoothing:antialiased;line-height:1.65}
a{color:inherit;text-decoration:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 28px}
header{position:sticky;top:0;z-index:60;background:rgba(10,31,61,.92);backdrop-filter:blur(12px);border-bottom:1px solid rgba(200,173,97,.14)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px}
.brand .wm{display:flex;flex-direction:column;line-height:1;align-items:flex-start}
.brand .the{font-family:var(--f-logo);font-weight:500;font-size:7.5px;letter-spacing:.36em;text-transform:uppercase;color:var(--steel);margin-bottom:3px;padding-left:.36em}
.brand .nm{font-family:var(--f-logo);font-weight:800;font-size:19px;letter-spacing:.02em;color:var(--platinum-light);line-height:1}
.brand .nm b{color:var(--gold)}
.brand .ds{font-family:var(--f-logo);font-weight:500;font-size:7.5px;letter-spacing:.30em;text-transform:uppercase;color:var(--steel);margin-top:4px;padding-left:.30em}
.navlinks{display:flex;gap:26px;align-items:center}
.navlinks a{font-size:14px;font-weight:600;color:var(--platinum-light);opacity:.82}
.navlinks a:hover{opacity:1;color:var(--gold-light)}
.navlinks a.cta{border:1px solid var(--gold);color:var(--gold-light);padding:8px 16px;border-radius:30px;font-size:13px}
/* masthead band */
.masthead{color:var(--cream);padding:64px 0 56px;text-align:center}
.masthead.assoc{background:linear-gradient(168deg,var(--navy-lift),var(--navy) 60%,var(--navy-deep))}
.masthead.business{background:linear-gradient(168deg,var(--plum-lift),var(--plum) 60%,var(--plum-deep))}
.masthead.practice{background:linear-gradient(168deg,var(--petrol-lift),var(--petrol) 60%,var(--petrol-deep))}
.m-kicker{font-family:var(--f-logo);font-weight:700;font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-light)}
.m-rule{height:1px;width:120px;background:linear-gradient(90deg,transparent,var(--gold),transparent);margin:18px auto 18px}
.m-title{font-family:var(--f-display);font-weight:500;font-size:clamp(28px,4.4vw,46px);line-height:1.1;max-width:20ch;margin:0 auto}
.m-deck{font-family:var(--f-display);font-style:italic;font-size:19px;color:rgba(245,241,230,.9);margin:16px auto 0;max-width:46ch;line-height:1.5}
/* article */
.article-wrap{display:flex;justify-content:center;padding:54px 18px 70px}
.article{background:var(--white);max-width:760px;width:100%;border-radius:16px;padding:52px clamp(24px,5vw,60px) 56px;box-shadow:0 20px 60px rgba(10,31,61,.08);border:1px solid rgba(10,31,61,.06)}
.article p{font-size:17px;line-height:1.78;color:#2A3340;margin-bottom:18px}
.article em{font-style:italic}
.article strong{color:var(--navy)}
.article a{color:var(--gold-deep);text-decoration:underline;text-underline-offset:2px;font-weight:600}
.post-cta{background:var(--paper);border:1px solid rgba(200,173,97,.4);border-left:4px solid var(--gold);border-radius:8px;padding:16px 18px !important;font-size:16px !important}
.post-more{margin-top:30px;padding-top:22px;border-top:1px solid rgba(10,31,61,.12)}
.post-more a{font-weight:700;font-size:15px;color:var(--gold-deep)}
.post-more a:hover{color:var(--navy)}
.post-nav{display:grid;grid-template-columns:1fr auto 1fr;gap:14px;align-items:center;margin-top:30px;padding-top:22px;border-top:1px solid rgba(10,31,61,.1);font-size:13px}
.post-nav .pn{color:var(--muted);font-weight:600}
.post-nav .pn:hover{color:var(--gold-deep)}
.post-nav .next{text-align:right}
.post-nav .home{font-family:var(--f-logo);text-transform:uppercase;letter-spacing:.12em;font-size:11px;color:var(--navy)}
/* subscribe */
.subscribe{background:linear-gradient(168deg,#0C264A,#0A1F3D 60%,#081A36);padding:64px 0;border-top:1px solid rgba(200,173,97,.14)}
.sub-card{max-width:680px;margin:0 auto;text-align:center}
.sub-card .eyebrow{font-family:var(--f-logo);font-weight:500;font-size:11px;letter-spacing:.26em;text-transform:uppercase;color:var(--gold)}
.sub-card h2{font-family:var(--f-display);font-weight:400;font-size:clamp(26px,3.4vw,38px);color:var(--cream);margin-top:12px}
.sub-card p{color:#C8D0DC;margin-top:12px}
.sub-form{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-top:24px}
.sub-form input{font-family:var(--f-body);font-size:15px;padding:13px 16px;border-radius:30px;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.06);color:var(--cream);min-width:240px}
.sub-form input:focus{outline:none;border-color:var(--gold)}
.sub-form input::placeholder{color:#7A879A}
.sub-form button{font-family:var(--f-body);font-weight:700;font-size:15px;padding:13px 26px;border-radius:30px;border:0;background:var(--gold);color:#081A36;cursor:pointer}
.sub-form button:hover{background:var(--gold-light)}
footer{background:var(--navy-deep);color:var(--steel);padding:50px 0 34px;border-top:1px solid rgba(200,173,97,.12)}
.foot{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:18px}
.foot .nm{font-family:var(--f-logo);font-weight:800;font-size:20px;color:var(--platinum-light)}
.foot .nm b{color:var(--gold)}
.foot a{color:var(--steel)}
.foot a:hover{color:var(--gold-light)}
.legal{font-size:12px;color:var(--steel);margin-top:18px;max-width:80ch;line-height:1.6}
@media(max-width:600px){.navlinks{display:none}.post-nav{grid-template-columns:1fr}.post-nav .next{text-align:left}}