*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-9999px;top:0;background:#000;color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid currentColor;outline-offset:2px}
.tbl-wrap{overflow-x:auto;margin:14px 0}
table{border-collapse:collapse;width:100%;min-width:460px;font-size:.96rem}
caption{text-align:left;font-size:.85rem;opacity:.75;padding:6px 0}
th,td{padding:10px 12px;text-align:left;vertical-align:top}
.crumbs{font-size:.85rem;margin:0 0 8px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.crumbs li+li::before{content:"›";padding-right:6px;opacity:.5}
.navtoggle{display:none}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

body{font-family:Georgia,'Times New Roman',serif;color:#16233b;background:#f3f5f9;line-height:1.68;font-size:17px}
h1,h2,h3,.brand-txt{font-family:Georgia,serif}
.site-head{background:#0b1f3a;color:#fff;border-bottom:3px solid #e8b23a}
.head-inner{display:flex;align-items:center;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff}
.brand-txt{display:none}
.mainnav{margin-left:auto}
.mainnav ul{list-style:none;display:flex;flex-wrap:wrap;gap:2px;margin:0;padding:0}
.mainnav a{display:block;padding:9px 12px;color:#cdd9ea;text-decoration:none;font-family:Arial,sans-serif;font-size:.9rem;border-radius:6px}
.mainnav a:hover,.mainnav a[aria-current]{background:#14315c;color:#fff}
.hero{background:linear-gradient(120deg,#0b1f3a,#14315c);color:#fff;padding:44px 0}
.hero .wrap{display:grid;grid-template-columns:1.3fr .9fr;gap:28px;align-items:center}
.hero h1{font-size:2.2rem;margin:.1em 0 .3em;line-height:1.2}
.hero p{color:#d3deee;font-family:Arial,sans-serif;font-size:1.05rem}
.hero-svg{width:100%;border-radius:14px}
.badge{display:inline-block;background:#e8b23a;color:#0b1f3a;font-family:Arial;font-weight:700;font-size:.8rem;padding:4px 10px;border-radius:20px;margin-bottom:10px}
main{padding:30px 0 10px}
.blk{background:#fff;border-radius:12px;padding:22px 24px;margin:0 0 20px;border-left:5px solid #e8b23a;box-shadow:0 1px 3px rgba(11,31,58,.08)}
.blk h2{font-size:1.5rem;color:#0b1f3a;margin:.1em 0 .5em}
.blk h3{font-size:1.16rem;color:#14315c;margin:1.1em 0 .3em}
.blk p,.blk li{font-size:1.02rem}
ul,ol{padding-left:1.25em}
li{margin:.3em 0}
th{background:#0b1f3a;color:#fff;font-family:Arial}
tbody tr:nth-child(even){background:#eef2f8}
.note,.warn{display:flex;gap:12px;font-family:Arial,sans-serif;font-size:.96rem;border-radius:10px;padding:12px 14px;margin:14px 0}
.note{background:#eaf1fb;border:1px solid #c9d9ef}
.warn{background:#fdf3e6;border:1px solid #f0d29b}
.note-ic{flex:0 0 24px;height:24px;border-radius:50%;background:#0b1f3a;color:#fff;display:grid;place-items:center;font-weight:700}
.warn .note-ic{background:#c9852a}
.faq-item{border:1px solid #dbe4f0;border-radius:10px;margin:8px 0;background:#fff}
.faq-item summary{cursor:pointer;padding:13px 16px;font-weight:700;color:#0b1f3a;list-style:none;font-family:Arial}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::before{content:"+";float:right;color:#e8b23a;font-weight:900}
.faq-item[open] summary::before{content:"–"}
.faq-a{padding:0 16px 14px;font-family:Arial;font-size:.98rem}
.site-foot{background:#0b1f3a;color:#c7d3e6;font-family:Arial;margin-top:30px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1.2fr;gap:26px;padding:34px 0}
.foot-brand{font-family:Georgia;font-size:1.3rem;color:#e8b23a;margin-bottom:8px}
.foot-nav ul{list-style:none;padding:0;margin:0;columns:2;font-size:.9rem}
.foot-nav a{color:#c7d3e6;text-decoration:none;line-height:2}
.disc{font-size:.9rem;color:#aebccd}.small{font-size:.82rem;opacity:.85}
.age{display:inline-block;background:#e8b23a;color:#0b1f3a;font-weight:800;border-radius:8px;padding:3px 10px}
.foot-bar{border-top:1px solid #1c355e;display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;padding:14px 0;font-size:.82rem}
@media(max-width:820px){.hero .wrap{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}
.navtoggle{display:flex;flex-direction:column;gap:4px;margin-left:auto;background:none;border:1px solid #3a557f;border-radius:8px;padding:9px}
.navtoggle span{width:22px;height:2px;background:#fff}
.mainnav{flex-basis:100%;margin:0;display:none}
.mainnav.open{display:block}.mainnav ul{flex-direction:column}}


/* Affiliate conversion layer — clear, disclosed and non-deceptive */
.t-rebate{--aff-primary:#e8b23a;--aff-primary-text:#0b1f3a;--aff-dark:#0b1f3a;--aff-soft:#fff8e8;--aff-border:#e8b23a}
.t-lucky{--aff-primary:#c99a1e;--aff-primary-text:#06331d;--aff-dark:#06331d;--aff-soft:#f4fff7;--aff-border:#37b06f}
.t-tpower{--aff-primary:#d11f2a;--aff-primary-text:#fff;--aff-dark:#101014;--aff-soft:#fff3f4;--aff-border:#d11f2a}
.t-a9{--aff-primary:#f26a1b;--aff-primary-text:#fff;--aff-dark:#20242a;--aff-soft:#fff6f0;--aff-border:#f26a1b}
.t-ace{--aff-primary:#e8b23a;--aff-primary-text:#3a2168;--aff-dark:#3a2168;--aff-soft:#fff9e8;--aff-border:#e8b23a}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.aff-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 20px;border-radius:10px;text-decoration:none!important;font-family:Arial,sans-serif;font-weight:800;line-height:1.2;transition:transform .18s ease,box-shadow .18s ease,filter .18s ease}
.aff-btn:hover{transform:translateY(-1px);box-shadow:0 8px 24px rgba(0,0,0,.18);filter:brightness(1.03)}
.aff-btn-primary{background:var(--aff-primary);color:var(--aff-primary-text)!important;border:2px solid var(--aff-primary)}
.aff-btn-secondary{background:transparent;color:inherit!important;border:2px solid currentColor}
.aff-btn-dark{background:var(--aff-dark);color:#fff!important;border:2px solid var(--aff-dark)}
.aff-disclosure{font-family:Arial,sans-serif;font-size:.79rem;line-height:1.45;opacity:.88;margin:10px 0 0;max-width:720px}
.hero .aff-disclosure{color:rgba(255,255,255,.85)}
.access-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:18px 0}
.access-card{display:flex;flex-direction:column;gap:8px;padding:18px;border:1px solid color-mix(in srgb,var(--aff-border) 45%,#d7dce5);border-radius:12px;background:var(--aff-soft);text-decoration:none}
.access-card strong{font-family:Arial,sans-serif;color:var(--aff-dark)}
.access-card span{font-family:Arial,sans-serif;font-size:.92rem;line-height:1.45}
.access-card .access-arrow{margin-top:auto;font-weight:800;color:var(--aff-dark)}
.cta-panel{border:2px solid var(--aff-border);background:linear-gradient(135deg,var(--aff-soft),#fff);border-radius:16px;padding:24px;margin:24px 0;box-shadow:0 10px 30px rgba(0,0,0,.07)}
.cta-panel h2,.cta-panel h3{margin-top:0;color:var(--aff-dark)}
.cta-panel p{font-family:Arial,sans-serif}
.cta-actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin-top:16px}
.partner-pill{display:inline-flex;align-items:center;gap:6px;font-family:Arial,sans-serif;font-weight:700;font-size:.76rem;background:var(--aff-soft);color:var(--aff-dark);border:1px solid var(--aff-border);padding:5px 9px;border-radius:999px}
.mobile-aff-bar{display:none}
.foot-aff{margin-top:14px;padding-top:14px;border-top:1px solid rgba(255,255,255,.12)}
.foot-aff .aff-btn{min-height:42px;padding:9px 14px;font-size:.9rem}
.page-aff-note{font-family:Arial,sans-serif;font-size:.88rem;padding:10px 12px;border-radius:9px;background:var(--aff-soft);border-left:4px solid var(--aff-border);margin:12px 0 18px}
@media(min-width:1101px){.head-aff{margin-left:auto;white-space:nowrap}.site-head .mainnav{margin-left:0}.head-aff .aff-btn{min-height:40px;padding:8px 13px;font-size:.82rem}}
@media(max-width:1100px){.head-aff{display:none}}
@media(max-width:820px){.access-grid{grid-template-columns:1fr}.hero-actions .aff-btn{width:100%}.cta-actions .aff-btn{width:100%}.mobile-aff-bar{position:fixed;display:flex;align-items:center;gap:10px;left:0;right:0;bottom:0;z-index:180;background:rgba(15,18,24,.96);backdrop-filter:blur(10px);padding:9px max(12px,env(safe-area-inset-left)) calc(9px + env(safe-area-inset-bottom));box-shadow:0 -8px 24px rgba(0,0,0,.22)}.mobile-aff-bar .mobile-aff-copy{color:#fff;font-family:Arial,sans-serif;font-size:.72rem;line-height:1.25;flex:1}.mobile-aff-bar .aff-btn{min-height:44px;padding:9px 14px;font-size:.85rem;white-space:nowrap}body{padding-bottom:72px}}
@media(max-width:390px){.mobile-aff-bar .mobile-aff-copy{display:none}.mobile-aff-bar .aff-btn{width:100%}}



/* Expert profile — Douglas Smith */
.expert-card{display:grid;grid-template-columns:140px 1fr;gap:22px;align-items:center;padding:22px;border:1px solid rgba(127,127,127,.22);border-radius:16px;background:linear-gradient(135deg,rgba(255,255,255,.96),rgba(255,255,255,.82));box-shadow:0 10px 28px rgba(0,0,0,.06)}
.expert-photo{width:128px;height:128px;object-fit:contain;border-radius:50%;background:linear-gradient(145deg,rgba(255,255,255,.96),rgba(220,220,220,.55));border:3px solid currentColor;padding:5px}
.expert-kicker{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;opacity:.72;margin-bottom:5px}
.expert-card h2,.expert-card h3{margin:.05em 0 .25em}.expert-role{font-weight:700;margin:.1em 0 .55em;opacity:.86}
.expert-meta{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}.expert-link{display:inline-flex;align-items:center;gap:7px;font-weight:700;text-decoration:none;border-bottom:2px solid currentColor;padding-bottom:2px}
.expert-note{font-size:.88rem;opacity:.78;margin-top:12px}.expert-profile-hero{display:grid;grid-template-columns:220px 1fr;gap:30px;align-items:center;margin:18px 0 24px}
.expert-profile-hero .expert-photo{width:210px;height:210px}.expertise-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.expertise-item{padding:14px 16px;border:1px solid rgba(127,127,127,.2);border-radius:12px;background:rgba(255,255,255,.65)}
@media(max-width:680px){.expert-card,.expert-profile-hero{grid-template-columns:1fr;text-align:center}.expert-photo,.expert-profile-hero .expert-photo{margin:0 auto}.expert-meta{justify-content:center}.expertise-grid{grid-template-columns:1fr}}


/* Approved expert quotation */
.expert-quote{margin:14px 0 0;padding:16px 18px;border-left:4px solid currentColor;border-radius:10px;background:rgba(255,255,255,.66);font-size:1.03rem;line-height:1.65}
.expert-quote p{margin:0}
.expert-quote figcaption{margin-top:10px;font-size:.86rem;font-weight:700;opacity:.78}
.expert-approved{display:inline-flex;align-items:center;gap:6px;margin-top:10px;font-size:.78rem;font-weight:800;letter-spacing:.03em;text-transform:uppercase;opacity:.72}