:root{
    --navy:#060d18; --ink:#0e141b; --ink-2:#3d4a5c; --muted:#6b7789;
    --gold:#c4a35a; --gold-2:#e0c57a; --line:rgba(14,20,27,.1);
    --surface:#fbfcfe; --page:#eef2f6; --ok:#0d7a3f; --sea:#1e4a6e;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  body{
    font-family:"DM Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif; color:var(--ink);
    background:
      radial-gradient(1000px 480px at 10% -15%, #d5e2f0, transparent 55%),
      radial-gradient(800px 400px at 100% 0%, #e4ebf3, transparent 50%),
      var(--page);
    line-height:1.55; min-height:100vh;
  }
  a{color:var(--sea)}
  .wrap{width:min(1080px, calc(100% - 40px)); margin:0 auto}
  header{background:var(--navy);color:#fff}
  header .wrap{display:flex;align-items:center;gap:14px;padding:14px 0;flex-wrap:wrap}
  .brand{color:#fff;text-decoration:none;font-weight:750}
  .brand span{color:var(--gold-2)}
  .nav{margin-left:auto;display:flex;gap:8px;flex-wrap:wrap;align-items:center}
  .nav a{color:#c5d2e0;text-decoration:none;font-size:13.5px;padding:8px 10px}
  .nav .cta{background:var(--gold);color:var(--navy)!important;font-weight:750;border-radius:8px;padding:9px 14px}

  .hero{padding:48px 0 28px}
  .eyebrow{font-size:11.5px;font-weight:750;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;display:inline-block}
  h1{font-family:"Source Serif 4",Georgia,"Times New Roman",serif; font-size:clamp(1.9rem,4vw,2.65rem); color:var(--navy); letter-spacing:-.03em; margin-bottom:14px; max-width:18ch}
  .lead{color:var(--ink-2); max-width:40rem; font-size:1.08rem; margin-bottom:18px}
  .truth{
    max-width:42rem; font-size:14.5px; color:var(--ink-2);
    border-left:3px solid var(--gold); padding:4px 0 4px 14px;
  }

  .three{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding:8px 0 36px}
  .col{
    background:var(--surface); border:1px solid var(--line); border-radius:16px;
    padding:22px 20px; box-shadow:0 10px 28px rgba(14,20,27,.04);
  }
  .col.fed{border-color:rgba(196,163,90,.45); box-shadow:0 16px 40px rgba(14,20,27,.08)}
  .col .who{font-size:11.5px; font-weight:750; letter-spacing:.08em; text-transform:uppercase; color:var(--muted); margin-bottom:8px}
  .col h2{font-family:"Source Serif 4",Georgia,"Times New Roman",serif; font-size:1.45rem; color:var(--navy); margin-bottom:6px}
  .col .price{font-size:13.5px; color:var(--ink-2); margin-bottom:14px; padding-bottom:14px; border-bottom:1px solid var(--line)}
  .col h3{font-size:13px; font-weight:750; color:var(--navy); margin:14px 0 8px; text-transform:uppercase; letter-spacing:.04em}
  .col ul{list-style:none}
  .col li{font-size:13.5px; color:var(--ink-2); padding:6px 0 6px 16px; position:relative}
  .col li::before{content:""; width:6px; height:6px; border-radius:50%; background:var(--ok); position:absolute; left:0; top:12px}
  .col li.gap::before{background:#c5cdd8}
  .col li.gap{color:var(--muted)}

  section{padding:0 0 40px}
  section h2{font-family:"Source Serif 4",Georgia,"Times New Roman",serif; font-size:1.55rem; color:var(--navy); margin-bottom:8px}
  section .sub{color:var(--ink-2); max-width:52ch; margin-bottom:16px}
  .table-wrap{overflow-x:auto; border:1px solid var(--line); border-radius:12px; background:var(--surface)}
  table{width:100%; border-collapse:collapse; font-size:13.5px}
  th,td{padding:12px 14px; text-align:left; border-bottom:1px solid var(--line); vertical-align:top}
  th{background:var(--navy); color:#fff; font-weight:650}
  th.fed, td.fed{background:rgba(196,163,90,.08)}
  th.fed{background:#1a2f45}
  td:first-child{font-weight:650; color:var(--navy); min-width:140px}
  .best{color:var(--ok); font-weight:750}
  .mid{color:var(--ink-2)}
  .weak{color:var(--muted)}

  .why{
    background:var(--navy); color:#e8eef6; border-radius:16px; padding:28px 26px; margin-bottom:36px;
  }
  .why h2{color:#fff; margin-bottom:10px}
  .why p{color:#c5d2e0; max-width:52ch; margin-bottom:14px}
  .why ol{margin:0 0 0 1.2em; color:#e8eef6}
  .why li{margin:8px 0; max-width:52ch}
  .why .cta-row{display:flex; gap:10px; flex-wrap:wrap; margin-top:18px}
  .btn{
    display:inline-block; text-decoration:none; font-weight:750; font-size:14px;
    padding:12px 18px; border-radius:9px;
  }
  .btn.primary{background:var(--gold); color:var(--navy)}
  .btn.ghost{background:transparent; color:#fff; border:1px solid rgba(255,255,255,.35)}

  .caveat{
    font-size:13.5px; color:var(--muted); max-width:70ch; margin-top:8px;
  }

  footer{background:#061018; color:#8fa3b8; font-size:13px; padding:26px 0}
  footer .wrap{display:flex; justify-content:space-between; gap:12px; flex-wrap:wrap}
  footer a{color:#c5d2e0}

  @media(max-width:900px){
    .three{grid-template-columns:1fr}
  }

  /* ---- calm pass ---- */
  body{line-height:1.6}
  .card,.tier,article,.also-card{border-color:rgba(6,13,24,.08)!important}