:root{
  --ink:#10233F;
  --ink-soft:#4A5B75;
  --paper:#FFFFFF;
  --wash:#F1F4F9;
  --rule:#D8E0EA;
  --gold:#B8862B;        /* decorative only: borders, rules, focus ring (3:1 non-text) */
  --gold-ink:#8A6414;    /* gold as TEXT or as a fill behind white text (AA: 5.4:1) */
  --gold-wash:#FDF6E6;
  --green:#0E7A4F;      /* RESERVED: actions only. Never use for decoration. */
  --serif:"Newsreader",Georgia,serif;
  --sans:"IBM Plex Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --measure:66ch;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  background:var(--wash);
  color:var(--ink);
  font-family:var(--sans);
  font-size:17px;
  line-height:1.6;
  padding-bottom:76px;
}
@media(min-width:820px){body{padding-bottom:0}}

.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
a{color:var(--ink)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

/* ---------- disclosure strip ---------- */
.strip{background:var(--ink);color:#C9D5E6;font-size:13px;line-height:1.45}
.strip .wrap{display:flex;gap:14px;align-items:center;justify-content:space-between;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.strip p{margin:0;flex:1 1 320px}
/* Microsoft Advertising requires advertorial landing pages to carry an
   "Advertisement" label at the top, no smaller than the page's body text
   (17px) and in a colour that stands out. Do not shrink it to match the strip. */
.ad-label{
  flex:none;display:inline-block;
  background:var(--gold-ink);color:#fff;
  font-size:17px;font-weight:700;line-height:1.2;letter-spacing:.04em;text-transform:uppercase;
  padding:5px 12px;border-radius:4px;
}
.article .ad-label--article{margin:0 0 14px}
.strip button{
  background:none;border:1px solid #3C5375;color:#fff;
  font:inherit;font-size:12px;padding:3px 10px;border-radius:3px;cursor:pointer;white-space:nowrap;
}
.strip button:hover{background:#1D3559}

#disclosure-full{background:#0B1A30;color:#B4C4DA;font-size:13px;line-height:1.65;display:none}
#disclosure-full.open{display:block}
#disclosure-full .wrap{padding-top:18px;padding-bottom:20px;max-width:820px}
#disclosure-full p{margin:0 0 10px}
#disclosure-full p:last-child{margin-bottom:0}

/* ---------- masthead ---------- */
.masthead{background:var(--paper);border-bottom:1px solid var(--rule)}
.masthead .wrap{display:flex;align-items:baseline;justify-content:space-between;padding-top:18px;padding-bottom:18px;gap:16px;flex-wrap:wrap}
.brand{font-family:var(--serif);font-size:22px;font-weight:600;letter-spacing:-.01em;text-decoration:none}
.brand span{color:var(--gold-ink)}
.stamp{font-size:13px;color:var(--ink-soft)}

/* ---------- hero ---------- */
.hero{position:relative;background:#E9ECF5;border-bottom:1px solid var(--rule);overflow:hidden}
.hero-inner{position:relative;z-index:2;max-width:1040px;margin:0 auto;padding:30px 20px}
.hero h1{
  font-family:var(--serif);
  font-size:clamp(26px,2.9vw,34px);
  line-height:1.12;font-weight:600;letter-spacing:-.02em;
  margin:0 0 8px;max-width:24ch;
}
.hero .lede{font-size:15.5px;color:var(--ink-soft);margin:0;max-width:60ch;line-height:1.45}
/* visible on narrow screens as a band under the text */
.hero-photo{display:block;position:relative;width:100%;aspect-ratio:16/7;max-height:210px}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 10%;display:block}

@media(min-width:900px){
  /* 7.47:1 -- the proportions of the reference banner */
  /* width:100% pins the inline axis so aspect-ratio only drives height;
     without it, min-height feeds back through the ratio and widens the box */
  .hero{width:100%;aspect-ratio:1600/214;min-height:186px;display:flex;align-items:center}
  .hero-inner{width:100%}
  .hero-photo{display:block;position:absolute;top:0;right:0;bottom:0;width:46%;z-index:1}
  .hero-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 26%;display:block}
  /* fade the photo's left edge into the lavender, as in the source artwork */
  .hero-photo::after{
    content:"";position:absolute;inset:0;
    background:linear-gradient(to right,#E9ECF5 0%,rgba(233,236,245,.88) 20%,rgba(233,236,245,0) 60%);
  }
}

/* ---------- ranked list ---------- */
.ranking{padding-top:40px;padding-bottom:8px}
.ranking-head{display:flex;align-items:baseline;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-bottom:18px}
.ranking-head h2{font-family:var(--serif);font-size:27px;font-weight:600;margin:0;letter-spacing:-.01em}
.ranking-head a{font-size:13px;color:var(--ink-soft)}

/* ---------- comparison cards ---------- */
.cards{display:grid;gap:20px}
.card{
  position:relative;
  background:var(--paper);
  border:1px solid var(--rule);
  border-radius:8px;
  padding:0 22px;
  box-shadow:0 1px 3px rgba(16,35,63,.05);
}
.card.featured{
  border-color:#E6D2A2;
  box-shadow:0 8px 26px rgba(184,134,43,.14);
  margin-top:26px;
}
.card-num{
  position:absolute;top:0;left:0;
  background:var(--ink);color:#fff;
  font-family:var(--serif);font-size:14px;font-weight:600;line-height:1;
  width:28px;height:28px;display:flex;align-items:center;justify-content:center;
  border-radius:8px 0 8px 0;
}
.card-flag{
  position:absolute;top:-26px;left:0;
  background:var(--gold-ink);color:#fff;
  font-size:11px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  padding:6px 16px;border-radius:6px 6px 0 0;
}

.card-body{display:flex;gap:26px;flex-wrap:wrap;padding:28px 0 22px}
.card-logo{flex:0 0 132px;padding-top:2px}
.card-logo svg{width:100%;height:auto;display:block}
.card-main{flex:1 1 300px;min-width:0}
.card-name{font-family:var(--serif);font-size:23px;font-weight:600;margin:0;letter-spacing:-.015em;line-height:1.15}
.card-sub{font-size:13.5px;color:var(--ink-soft);margin:4px 0 0;line-height:1.5}
.card-reviews{font-size:13px;color:var(--ink-soft);font-weight:600;margin:4px 0 0}
.card-pill{
  display:inline-block;margin:12px 0 0;
  background:var(--wash);border:1px solid var(--rule);border-radius:999px;
  font-size:12.5px;font-weight:600;color:var(--ink-soft);padding:4px 13px;
}
.card-tag{font-weight:700;font-size:15.5px;margin:14px 0 0}

.checks{list-style:none;margin:12px 0 0;padding:0;display:grid;gap:8px}
.checks li{position:relative;padding-left:24px;font-size:14.5px;line-height:1.45;color:var(--ink-soft)}
.checks li::before{
  content:"";position:absolute;left:0;top:4px;width:15px;height:15px;border-radius:50%;
  background:var(--wash);box-shadow:inset 0 0 0 1px var(--rule);
}
.checks li::after{
  content:"";position:absolute;left:4.5px;top:8px;width:5px;height:2.5px;
  border-left:2px solid var(--ink);border-bottom:2px solid var(--ink);
  transform:rotate(-45deg);
}

.card-cta{
  flex:0 0 176px;text-align:center;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
}
@media(max-width:560px){.card-cta{flex:1 1 100%;align-items:stretch}}
.score{font-family:var(--serif);font-size:44px;font-weight:600;line-height:1;letter-spacing:-.02em}
.score small{font-size:17px;color:var(--ink-soft);font-weight:400}
.score-label{font-size:11.5px;color:var(--ink-soft);margin:0 0 14px}

.btn{
  display:block;text-align:center;text-decoration:none;
  background:var(--green);color:#fff;font-weight:600;font-size:16.5px;
  padding:14px 18px;border-radius:4px;border:0;cursor:pointer;
  transition:background .15s ease;
}
.btn:hover{background:#0B6641}
.btn-sub{font-size:12px;color:var(--ink-soft);margin:9px 0 0;text-align:center}
.card-cta .btn{width:100%;font-size:14.5px;letter-spacing:.06em;text-transform:uppercase;padding:13px 16px;border-radius:5px}

.card-bestfor{flex:0 0 176px;font-size:14px;color:var(--ink);display:flex;flex-direction:column;justify-content:center}
.card-bestfor span{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.05em;color:var(--ink-soft);margin-bottom:4px}
.card-bestfor b{font-weight:600}

.card-details{
  border-top:1px solid var(--rule);
  margin:0 -22px;padding:14px 22px 15px;
  background:#FAFBFD;border-radius:0 0 8px 8px;
  display:flex;align-items:baseline;flex-wrap:wrap;gap:16px 28px;
}
.card-details .more{font-size:13px;font-weight:600;color:var(--ink);flex:0 0 auto}
.card-details .dt{font-size:14px}
.card-details .dt span{display:block;font-size:11px;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.03em;margin-bottom:2px}
.card-details .dt b{font-weight:600}
.card-details .card-terms{flex:1 1 100%;margin:0;font-size:12.5px;line-height:1.5;color:var(--ink-soft)}

/* ---------- editorial body ---------- */
.article{background:var(--paper);border:1px solid var(--rule);border-radius:4px;margin-top:34px;padding:34px 26px}
@media(min-width:780px){.article{padding:44px 52px}}
.article h2{font-family:var(--serif);font-size:31px;font-weight:600;letter-spacing:-.015em;margin:0 0 6px;line-height:1.15}
.article h3{font-family:var(--serif);font-size:22px;font-weight:600;margin:34px 0 8px}
.article p{max-width:var(--measure);margin:0 0 15px;line-height:1.65}
.byline{font-size:13.5px;color:var(--ink-soft);margin:0 0 24px!important;padding-bottom:18px;border-bottom:1px solid var(--rule)}
.pull{
  border-left:3px solid var(--gold);padding:4px 0 4px 20px;margin:26px 0;
  font-family:var(--serif);font-size:21px;line-height:1.4;color:var(--ink);max-width:48ch;
}

/* steps */
.steps{list-style:none;counter-reset:s;padding:0;margin:22px 0 8px;display:grid;gap:2px}
.steps li{counter-increment:s;position:relative;padding:14px 0 14px 46px;border-top:1px solid var(--rule)}
.steps li:last-child{border-bottom:1px solid var(--rule)}
.steps li::before{
  content:counter(s);position:absolute;left:0;top:14px;
  font-family:var(--serif);font-size:19px;font-weight:600;color:var(--gold-ink);
  width:28px;text-align:center;
}
.steps b{display:block;font-size:16.5px}
.steps span{font-size:15px;color:var(--ink-soft)}

/* table */
.tablewrap{overflow-x:auto;margin:20px 0 6px;border:1px solid var(--rule);border-radius:4px}
table{border-collapse:collapse;width:100%;min-width:600px;font-size:14.5px}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--rule)}
thead th{background:var(--wash);font-size:13px;font-weight:600;color:var(--ink-soft)}
tbody tr:last-child td{border-bottom:0}
tr.mine td{background:var(--gold-wash)}
tr.mine td:first-child{font-weight:600}

/* faq */
details{border-top:1px solid var(--rule);padding:0}
details:last-of-type{border-bottom:1px solid var(--rule)}
summary{cursor:pointer;padding:15px 30px 15px 0;font-weight:600;font-size:16.5px;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:13px;font-size:21px;font-weight:400;color:var(--gold-ink)}
details[open] summary::after{content:"–"}
details p{padding:0 0 16px;margin:0;color:var(--ink-soft);font-size:15.5px}

/* closing cta */
.closer{background:var(--ink);color:#fff;border-radius:4px;margin:34px 0 0;padding:36px 26px;text-align:center}
@media(min-width:780px){.closer{padding:46px}}
.closer h2{font-family:var(--serif);font-size:clamp(26px,3.6vw,36px);font-weight:600;margin:0 0 10px;letter-spacing:-.015em}
.closer p{color:#B9C8DC;margin:0 auto 22px;max-width:50ch;font-size:16.5px}
.closer .btn{display:inline-block;padding:15px 40px;font-size:17px}
.closer small{display:block;margin-top:14px;color:#8FA3BE;font-size:12.5px}

/* footer */
footer{margin-top:40px;background:var(--paper);border-top:1px solid var(--rule);padding:30px 0 40px}
footer .wrap{max-width:860px}
footer nav{display:flex;gap:18px;flex-wrap:wrap;font-size:14px;margin-bottom:20px}
footer p{font-size:12.5px;line-height:1.65;color:var(--ink-soft);margin:0 0 11px}

/* sticky mobile bar */
.sticky{
  position:fixed;left:0;right:0;bottom:0;z-index:40;
  background:var(--paper);border-top:1px solid var(--rule);
  padding:10px 16px;display:flex;align-items:center;gap:14px;
  box-shadow:0 -3px 14px rgba(16,35,63,.09);
}
.sticky div{flex:1;min-width:0}
.sticky b{display:block;font-size:14.5px;line-height:1.25}
.sticky span{display:block;font-size:12px;line-height:1.35;color:var(--ink-soft)}
.sticky .btn{flex:none;padding:12px 22px;font-size:15px}
@media(min-width:820px){.sticky{display:none}}

/* ---------- main nav ---------- */
.mainnav{display:flex;gap:22px;flex-wrap:wrap;font-size:14.5px}
.mainnav a{text-decoration:none;color:var(--ink-soft);font-weight:500;padding:2px 0;border-bottom:2px solid transparent}
.mainnav a:hover{color:var(--ink)}
.mainnav a[aria-current="page"]{color:var(--ink);font-weight:600;border-bottom-color:var(--gold)}

/* text-only hero (interior pages): drop the banner proportions */
@media(min-width:900px){
  .hero--plain{aspect-ratio:auto;min-height:0;display:block}
}
.hero--plain .hero-inner{padding:38px 20px 34px}
.hero--plain h1{max-width:20ch}

/* ---------- knowledge page ---------- */
.kicker{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-ink);margin:0 0 10px}
.toc{background:var(--wash);border:1px solid var(--rule);border-radius:6px;padding:18px 22px;margin:0 0 30px}
.toc h2{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-soft);margin:0 0 10px}
.toc ol{margin:0;padding-left:20px;display:grid;gap:6px;font-size:15px}
.toc a{color:var(--ink)}
.callout{border-left:3px solid var(--gold);background:var(--gold-wash);padding:16px 20px;border-radius:0 5px 5px 0;margin:22px 0}
.callout p{margin:0;font-size:15.5px;max-width:none}
.callout b{display:block;margin-bottom:4px}
.glossary{margin:18px 0 0;display:grid;gap:0}
.glossary div{border-top:1px solid var(--rule);padding:13px 0}
.glossary div:last-child{border-bottom:1px solid var(--rule)}
.glossary dt{font-weight:600;font-size:15.5px;margin:0 0 3px}
.glossary dd{margin:0;font-size:15px;color:var(--ink-soft);line-height:1.55}

/* ---------- article index (knowledge.html) ---------- */
.postlist{list-style:none;margin:0;padding:0;display:grid;gap:0}
.postcard{border-top:1px solid var(--rule);padding:26px 0}
.postcard:last-child{border-bottom:1px solid var(--rule)}
.postcard a.thumb{display:block;flex:0 0 auto}
.postcard picture{display:block}
.postcard img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:4px;background:var(--rule)}
.postcard-body{min-width:0}
.post-meta{font-size:12.5px;color:var(--ink-soft);margin:0 0 6px;letter-spacing:.01em}
.post-meta span{margin:0 7px}
.postcard h2{font-family:var(--serif);font-size:21px;font-weight:600;line-height:1.22;letter-spacing:-.012em;margin:0 0 7px}
.postcard h2 a{text-decoration:none}
.postcard h2 a:hover{color:var(--gold-ink)}
.postcard p{font-size:15px;color:var(--ink-soft);line-height:1.55;margin:0 0 10px;max-width:62ch}
.readmore{font-size:13.5px;font-weight:600;color:var(--ink);text-decoration:none;display:inline-flex;align-items:center;gap:5px}
.readmore::after{content:"\203A";font-size:17px;line-height:1;position:relative;top:-1px}
.readmore:hover{color:var(--gold-ink)}

@media(min-width:620px){
  .postcard{display:flex;gap:24px;align-items:flex-start}
  .postcard a.thumb{width:248px}
  .postcard-body{flex:1 1 auto}
}

/* featured "start here" card */
.postcard--featured{
  border:1px solid var(--rule);border-top:3px solid var(--gold);
  background:var(--paper);border-radius:4px;padding:24px;margin-bottom:30px;
}
.postcard--featured:last-child{border-bottom:1px solid var(--rule)}
.postcard--featured h2{font-size:26px}
.postcard--featured .post-meta{color:var(--gold-ink);font-weight:700;text-transform:uppercase;letter-spacing:.07em;font-size:11.5px}
@media(min-width:620px){.postcard--featured a.thumb{width:300px}}

.archive-head{display:flex;align-items:baseline;justify-content:space-between;gap:14px;flex-wrap:wrap;margin:34px 0 4px}
.archive-head h2{font-family:var(--serif);font-size:25px;font-weight:600;margin:0;letter-spacing:-.01em}
.archive-head p{font-size:13px;color:var(--ink-soft);margin:0}

/* ---------- must reads (index.html) ---------- */
.mustreads{margin:38px 0 0}
.mustreads > h2{font-family:var(--serif);font-size:27px;font-weight:600;margin:0 0 4px;letter-spacing:-.01em}
.mustreads > p.sub{font-size:14px;color:var(--ink-soft);margin:0 0 20px}
.mustread-grid{display:grid;gap:26px}
@media(min-width:780px){.mustread-grid{grid-template-columns:repeat(3,1fr);gap:24px}}
.mustread{background:var(--paper);border:1px solid var(--rule);border-radius:4px;overflow:hidden;display:flex;flex-direction:column}
.mustread img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;background:var(--rule)}
.mustread-body{padding:18px 20px 20px;display:flex;flex-direction:column;flex:1}
.mustread h3{font-family:var(--serif);font-size:19px;font-weight:600;line-height:1.24;letter-spacing:-.01em;margin:0 0 8px}
.mustread h3 a{text-decoration:none}
.mustread h3 a:hover{color:var(--gold-ink)}
.mustread p{font-size:14.5px;color:var(--ink-soft);line-height:1.5;margin:0 0 14px;flex:1}

/* ---------- article pages ---------- */
.article h1{
  font-family:var(--serif);font-size:clamp(27px,4vw,37px);font-weight:600;
  letter-spacing:-.02em;line-height:1.13;margin:0 0 10px;
}
.article > p.standfirst{font-size:18px;color:var(--ink-soft);line-height:1.5;margin:0 0 4px;max-width:60ch}
.article-hero{margin:0 0 26px}
.article-hero img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:4px;background:var(--rule)}
.article-hero figcaption{font-size:12px;color:var(--ink-soft);margin-top:7px}
.article ul.plain{margin:14px 0 18px;padding-left:20px;max-width:var(--measure)}
.article ul.plain li{margin-bottom:8px;line-height:1.6}
.crumbs{font-size:13px;color:var(--ink-soft);margin:0 0 18px}
.crumbs a{color:var(--ink-soft)}
.endnote{border-top:1px solid var(--rule);margin-top:34px;padding-top:22px}
.endnote h3{font-family:var(--serif);font-size:19px;font-weight:600;margin:0 0 12px}
.related{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.related li{font-size:15px;line-height:1.45}
.related a{font-weight:500}

/* ---------- CTA banner (WeLendIt) ---------- */
.promo{
  display:flex;align-items:center;gap:14px;flex-wrap:wrap;
  background:var(--wash);border:1px solid var(--rule);border-radius:4px;
  padding:11px 16px;margin:20px 0;
}
.promo-brand{display:flex;align-items:center;flex:0 0 auto;line-height:0}
.promo-logo{width:112px;height:auto;display:block}
.promo-copy{
  flex:1 1 160px;margin:0;text-align:center;
  font-family:var(--sans);font-size:14.5px;font-weight:700;
  letter-spacing:-.005em;color:var(--ink);line-height:1.3;
}
.promo-btn{
  flex:0 0 auto;display:inline-block;text-decoration:none;
  background:var(--green);color:#fff;
  font-size:12.5px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;
  padding:8px 22px;border-radius:3px;
  transition:background .15s ease;
}
.promo-btn:hover{background:#0B6340;color:#fff}

@media(max-width:700px){
  .promo{flex-direction:column;align-items:stretch;text-align:center;gap:10px;padding:14px 16px}
  .promo-brand{justify-content:center}
  .promo-copy{flex:none;font-size:14px}
  .promo-btn{display:block;text-align:center;padding:9px 16px}
}

/* ---------- legal + contact pages ---------- */
.legal{margin-top:26px}
.legal .legal-meta{
  font-size:12.5px;color:var(--ink-soft);
  border-bottom:1px solid var(--rule);padding-bottom:16px;margin:0 0 26px;max-width:none;
}
.legal h2{font-size:27px;margin-bottom:14px}
.legal h3{font-size:19px;margin:32px 0 8px;scroll-margin-top:20px}
.legal h4{font-family:var(--sans);font-size:15px;font-weight:700;margin:20px 0 6px}
.legal p,.legal li{max-width:var(--measure)}
.legal ul,.legal ol{margin:12px 0 16px;padding-left:22px;max-width:var(--measure)}
.legal li{margin-bottom:8px;line-height:1.6}
.legal a{color:var(--gold-ink)}

.legal-toc{
  background:var(--wash);border:1px solid var(--rule);border-radius:4px;
  padding:18px 22px;margin:0 0 30px;
}
.legal-toc h3{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.07em;
  text-transform:uppercase;color:var(--ink-soft);margin:0 0 10px}
.legal-toc ol{list-style:none;margin:0;padding:0;columns:2;column-gap:30px;max-width:none}
.legal-toc li{margin-bottom:6px;font-size:14px;break-inside:avoid}
@media(max-width:620px){.legal-toc ol{columns:1}}

.callout{
  background:var(--gold-wash);border:1px solid #E6D2A2;border-left:3px solid var(--gold-ink);
  border-radius:3px;padding:16px 20px;margin:22px 0;max-width:none;
}
.callout p{margin:0 0 10px}
.callout p:last-child{margin:0}

/* contact */
.contact-card--solo{margin:0 0 8px}
.contact-card{
  background:var(--paper);border:1px solid var(--rule);border-radius:6px;
  padding:22px 24px;box-shadow:0 1px 3px rgba(16,35,63,.05);
}
.contact-card h3{font-family:var(--serif);font-size:19px;font-weight:600;margin:0 0 6px}
.contact-card p{font-size:14.5px;color:var(--ink-soft);margin:0 0 12px;line-height:1.55;max-width:none}
.contact-card .contact-value{font-size:16px;font-weight:600;color:var(--ink);word-break:break-word}
.contact-card .contact-value a{color:var(--gold-ink)}
.contact-card .contact-note{font-size:12.5px;margin:8px 0 0}
.contact-lead{font-size:17px;line-height:1.6;max-width:var(--measure);margin:0 0 22px}

/* contact form (composes a mailto: — no backend required) */
.contact-form{
  background:var(--paper);border:1px solid var(--rule);border-radius:6px;
  padding:26px 24px;box-shadow:0 1px 3px rgba(16,35,63,.05);margin:0 0 8px;
}
@media(min-width:760px){.contact-form{padding:30px 32px}}
.contact-form h3{font-family:var(--serif);font-size:21px;font-weight:600;margin:0 0 4px}
.contact-form > p{font-size:14px;color:var(--ink-soft);margin:0 0 20px;max-width:var(--measure)}
.field{margin:0 0 16px}
.field label{display:block;font-size:13px;font-weight:600;margin:0 0 5px}
.field label .opt{font-weight:400;color:var(--ink-soft)}
.field input,.field select,.field textarea{
  width:100%;box-sizing:border-box;
  font:inherit;font-size:15.5px;color:var(--ink);background:var(--paper);
  border:1px solid var(--rule);border-radius:4px;padding:10px 12px;
}
.field textarea{min-height:132px;resize:vertical;line-height:1.5}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold);
}
.field-row{display:grid;gap:16px}
@media(min-width:620px){.field-row{grid-template-columns:1fr 1fr}}
.contact-form .btn{width:100%;max-width:280px}
.form-note{font-size:12.5px;color:var(--ink-soft);margin:10px 0 0;max-width:var(--measure)}

/* honeypot: off-screen rather than display:none, which some bots skip */
.field-hp{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}

.cf-turnstile{margin:0 0 18px}

.form-status{
  font-size:14.5px;line-height:1.55;margin:14px 0 0;padding:12px 16px;
  border-radius:4px;border:1px solid var(--rule);max-width:var(--measure);
}
.form-status--ok{background:#EAF6F0;border-color:#B6DECB;color:#0A5537}
.form-status--error{background:#FDF0EE;border-color:#F0C8C0;color:#8A2C1B}
.form-status a{color:inherit;font-weight:600}
.contact-form .btn[disabled]{opacity:.6;cursor:default}