:root{--blue:#162B4B;--blue2:#1D3150;--taupe:#4C4A47;--muted:#625f5b;--warm:#F7F6F4;--stone:#EFECEA;--line:#D6D1CA;--gold:#8A6A25;--white:#fff;--max:1180px;--sans:'Source Sans Pro','Source Sans 3',Arial,sans-serif;--serif:'Cormorant Garamond','Source Serif 4',Georgia,serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--sans);color:var(--taupe);background:var(--warm);font-size:18px;line-height:1.58}a{color:inherit;text-decoration:none}img,video{max-width:100%;display:block}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:#fff;padding:10px 14px;z-index:20}.site-header{position:fixed;top:0;left:0;right:0;z-index:10;background:rgba(247,246,244,.88);backdrop-filter:blur(18px);border-bottom:1px solid rgba(214,209,202,.7)}.nav{max-width:var(--max);margin:auto;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:18px 24px}.brand{font-weight:700;letter-spacing:.02em;color:var(--blue);line-height:1.1}.brand small{display:block;font-weight:400;color:var(--muted);font-size:12px;letter-spacing:.1em;text-transform:uppercase;margin-top:4px}.nav-links{display:flex;gap:26px;align-items:center;font-size:15px;color:var(--blue);letter-spacing:.01em}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border:1px solid var(--blue);background:var(--blue);color:#fff;font-weight:700;font-size:15px;min-height:48px}.btn:hover{background:#0f203b}.btn.secondary{background:transparent;color:var(--blue)}.btn.light{background:#fff;color:var(--blue);border-color:#fff}.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.75)}.hero{min-height:92vh;position:relative;display:flex;align-items:end;overflow:hidden;background:var(--blue);color:#fff}.hero video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.42}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(22,43,75,.94),rgba(22,43,75,.62) 48%,rgba(22,43,75,.18)),linear-gradient(0deg,rgba(22,43,75,.85),transparent 45%)}.hero-inner{position:relative;z-index:1;width:100%;max-width:var(--max);margin:0 auto;padding:150px 24px 90px}.eyebrow{font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:700}.hero h1{font-family:var(--serif);font-weight:500;font-size:clamp(48px,8vw,96px);line-height:.96;max-width:920px;margin:18px 0 22px;color:#fff}.lead{font-size:clamp(20px,2vw,27px);line-height:1.36;max-width:780px;color:rgba(255,255,255,.92)}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}.hero-note{margin-top:20px;color:rgba(255,255,255,.72);font-size:14px}.section{padding:92px 24px}.container{max-width:var(--max);margin:auto}.section.blue{background:var(--blue);color:#fff}.section.white{background:#fff}.kicker{color:var(--gold);font-size:13px;font-weight:800;letter-spacing:.15em;text-transform:uppercase}.section h2,.page-title h1{font-family:var(--serif);font-weight:500;color:var(--blue);font-size:clamp(38px,5vw,68px);line-height:1;margin:14px 0 24px}.section.blue h2{color:#fff}.intro{font-size:22px;max-width:820px;color:#625f5b}.section.blue .intro{color:rgba(255,255,255,.82)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:42px}.card{border:1px solid var(--line);background:rgba(255,255,255,.68);padding:28px;min-height:230px}.card h3{font-family:var(--serif);font-size:30px;line-height:1.08;color:var(--blue);font-weight:500;margin:0 0 16px}.card p{margin:0;color:#625f5b}.metric-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.25);margin-top:45px}.metric{background:rgba(255,255,255,.08);padding:28px}.metric strong{display:block;font-family:var(--serif);font-size:48px;font-weight:500;color:#fff}.metric span{color:rgba(255,255,255,.78);font-size:15px}.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:40px;counter-reset:step}.step{background:#fff;border-top:3px solid var(--blue);padding:25px;position:relative}.step:before{counter-increment:step;content:"0" counter(step);display:block;color:var(--gold);font-weight:800;margin-bottom:30px}.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}.quote{font-family:var(--serif);font-size:42px;line-height:1.12;color:var(--blue);border-left:3px solid var(--gold);padding-left:26px}.blog-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:42px}.post-card{background:#fff;border:1px solid var(--line);padding:24px;display:flex;flex-direction:column;gap:14px}.post-card .date{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.post-card h3{font-size:24px;line-height:1.1;margin:0;color:var(--blue);font-family:var(--serif);font-weight:500}.post-card p{font-size:16px;margin:0}.contact{background:var(--blue);color:#fff}.contact h2{color:#fff}.contact-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:50px}.contact-list{list-style:none;padding:0;margin:24px 0 0}.contact-list li{padding:10px 0;border-bottom:1px solid rgba(255,255,255,.18)}.footer{padding:34px 24px;background:#0f203b;color:rgba(255,255,255,.72);font-size:14px}.footer-inner{max-width:var(--max);margin:auto;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.page-hero{padding:150px 24px 70px;background:var(--blue);color:#fff}.page-hero h1{font-family:var(--serif);font-size:clamp(42px,6vw,76px);font-weight:500;line-height:1;margin:0 0 18px;max-width:940px}.page-hero p{max-width:760px;font-size:22px;color:rgba(255,255,255,.82)}.article{max-width:820px;margin:0 auto;padding:70px 24px;background:#fff}.article h2{font-family:var(--serif);font-size:40px;color:var(--blue);line-height:1.08;margin-top:44px}.article p,.article li{color:#55514d}.article .notice{background:var(--warm);border-left:3px solid var(--gold);padding:18px 22px;margin:32px 0;color:#55514d}.article-nav{max-width:820px;margin:0 auto;padding:0 24px 70px;background:#fff}.faq{margin-top:42px;border-top:1px solid var(--line)}.faq-item{border-bottom:1px solid var(--line);padding:24px 0}.faq-item h3{font-family:var(--serif);font-size:28px;line-height:1.14;color:var(--blue);font-weight:500;margin:0 0 10px}.faq-item p{margin:0;max-width:860px;color:#625f5b}.step{color:var(--taupe);min-height:230px}.step h3{font-family:var(--serif);font-size:30px;line-height:1.08;color:var(--blue);font-weight:500;margin:0 0 14px}.step p{color:#625f5b;margin:0}.founder{background:var(--stone)}.founder-grid{display:grid;grid-template-columns:1.05fr .55fr;gap:58px;align-items:center}.founder-copy p{max-width:780px}.founder-card{background:#fff;border:1px solid var(--line);padding:18px;box-shadow:0 28px 80px rgba(22,43,75,.10)}.founder-card img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 24%;filter:saturate(.92) contrast(1.02)}.founder-card div{padding:20px 6px 4px}.founder-card strong{display:block;font-family:var(--serif);font-size:30px;line-height:1;color:var(--blue);font-weight:500}.founder-card span{display:block;margin-top:8px;color:#625f5b;font-size:16px;line-height:1.4}.founder-tags{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}.founder-tags span{border:1px solid var(--line);background:#fff;color:var(--blue);padding:9px 12px;font-size:14px;font-weight:700}@media(max-width:900px){.founder-grid{grid-template-columns:1fr}.founder-card{max-width:420px}.nav-links{display:none}.hero-inner{padding-top:120px}.grid,.flow,.blog-grid,.metric-grid,.split,.contact-grid{grid-template-columns:1fr}.section{padding:70px 20px}.hero h1{font-size:52px}.quote{font-size:34px}.card{min-height:auto}.metric strong{font-size:38px}}@media(max-width:520px){body{font-size:17px}.nav{padding:14px 18px}.brand{font-size:15px}.hero h1{font-size:44px}.lead{font-size:19px}.btn{width:100%}.hero-actions{gap:10px}.section h2{font-size:40px}.page-hero{padding-top:120px}}

/* Refinements: Rothschild-inspired founder slide + 3-step method */
.method-three{grid-template-columns:repeat(3,1fr)}
.founder{background:linear-gradient(180deg,#f7f6f4 0%,#efecea 100%)}
.founder-layout{display:grid;grid-template-columns:300px minmax(0,1fr);gap:72px;align-items:center}
.founder-portrait{max-width:300px;justify-self:start;background:#fff;border:1px solid var(--line);padding:14px;box-shadow:0 24px 70px rgba(22,43,75,.08)}
.founder-portrait img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 22%;filter:saturate(.9) contrast(1.03)}
.founder-caption{padding:16px 4px 2px}.founder-caption strong{display:block;font-family:var(--serif);font-size:26px;line-height:1;color:var(--blue);font-weight:500}.founder-caption span{display:block;margin-top:6px;color:#625f5b;font-size:15px}.founder-copy{border-left:1px solid var(--line);padding-left:46px}.founder-copy .intro{max-width:830px}.founder-proof{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);margin-top:34px}.founder-proof span{background:#fff;color:var(--blue);padding:18px 16px;font-size:14px;font-weight:700;line-height:1.25}
@media(max-width:900px){.method-three{grid-template-columns:1fr}.founder-layout{grid-template-columns:1fr;gap:32px}.founder-portrait{max-width:210px}.founder-copy{border-left:0;padding-left:0}.founder-proof{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.founder-proof{grid-template-columns:1fr}.founder-portrait{max-width:190px}}

/* Partners slide */
.partners{background:#fff}.partners-head{display:grid;grid-template-columns:1fr .82fr;gap:58px;align-items:end}.partner-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);margin-top:44px;border:1px solid var(--line)}.partner-logo{min-height:132px;background:var(--warm);display:flex;align-items:center;justify-content:center;text-align:center;padding:24px;color:var(--blue);font-weight:800;letter-spacing:.02em;font-size:18px;filter:grayscale(.15)}.partner-logo img{max-width:132px;max-height:72px;width:auto;height:auto;object-fit:contain}.partner-logo.has-logo{background:#fff}.partner-logo.text-only{background:var(--warm);font-size:16px}.partner-logo:hover{background:#fff}.partners-note{font-size:14px;color:var(--muted);margin-top:18px}.axa-logo{background:#fff}
@media(max-width:900px){.partners-head{grid-template-columns:1fr}.partner-grid{grid-template-columns:repeat(2,1fr)}.partner-logo{min-height:110px}}
@media(max-width:520px){.partner-grid{grid-template-columns:1fr 1fr}.partner-logo{font-size:15px;padding:18px 10px}.partner-logo img{max-width:96px;max-height:54px}}

.lang-switch{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--line);background:rgba(255,255,255,.55);padding:6px 8px;font-size:13px;font-weight:800;color:var(--blue);letter-spacing:.03em}.lang-switch a{opacity:.55}.lang-switch a.active{opacity:1;color:var(--blue)}.lang-switch span{color:var(--muted)}.footer .lang-switch{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.22);color:#fff;margin-left:8px}.footer .lang-switch a.active{color:#fff}.footer .lang-switch span{color:rgba(255,255,255,.55)}@media(max-width:900px){.lang-switch.nav-lang{display:inline-flex;margin-left:auto}.nav{gap:12px}}

.article .answer-box{background:var(--warm);border-left:4px solid var(--gold);padding:20px 24px;margin:26px 0;color:#4C4A47}.article .meta-line{font-size:14px;color:#79736c;margin:0 0 24px}.article .source-list li{margin-bottom:10px}.article .review-badge{display:inline-flex;background:#fff4d7;border:1px solid #e0c16d;color:#705600;padding:6px 10px;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.04em;margin-bottom:14px}.article blockquote{border-left:3px solid var(--gold);margin:28px 0;padding:8px 0 8px 22px;color:#4C4A47;font-size:22px;font-family:var(--serif)}.article .related{background:#fff;border:1px solid var(--line);padding:18px 22px;margin:34px 0}.article .related a{text-decoration:underline}.article h3{color:var(--blue);margin-top:24px}.article .faq h3{font-size:24px;font-family:var(--serif)}

.footer-credits{border-top:1px solid rgba(255,255,255,.16);margin:18px auto 0;padding:14px 24px 0;max-width:1180px;text-align:center;color:rgba(255,255,255,.72);font-size:13px}.footer-credits a{color:#fff;font-weight:700}.footer-credits span{color:rgba(255,255,255,.35);margin:0 8px}@media(max-width:520px){.footer-credits{font-size:12px;line-height:1.7}}

.article .takeaway-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:28px 0}.article .takeaway,.article .checkpoints{background:var(--warm);border:1px solid var(--line);padding:20px 22px;margin:26px 0}.article .takeaway{border-left:4px solid var(--gold)}.article .checkpoints{border-left:4px solid var(--blue)}.article .score-pills{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.article .score-pills span{background:#fff;border:1px solid var(--line);padding:6px 9px;font-size:13px;color:var(--blue);font-weight:800}@media(max-width:900px){.article .takeaway-grid{grid-template-columns:1fr}}

.footer-lang-row{max-width:1180px;margin:14px auto 0;padding:0 24px 20px;display:flex;justify-content:flex-start}.footer-lang-row .lang-switch{margin-left:0}.footer-inner .lang-switch{display:none}.footer-lang-row + .footer-credits{margin-top:22px}@media(max-width:700px){.footer-lang-row{justify-content:center;margin-top:16px;padding-bottom:22px}.footer-lang-row + .footer-credits{margin-top:24px}}

.article .answer-box{background:var(--warm);border-left:4px solid var(--gold);padding:20px 24px;margin:26px 0;color:#4C4A47}.article .meta-line{font-size:14px;color:#79736c;margin:0 0 24px}.article .source-list li{margin-bottom:10px}.article .review-badge{display:inline-flex;background:#fff4d7;border:1px solid #e0c16d;color:#705600;padding:6px 10px;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.04em;margin-bottom:14px}.article blockquote{border-left:3px solid var(--gold);margin:28px 0;padding:8px 0 8px 22px;color:#4C4A47;font-size:22px;font-family:var(--serif)}.article .related{background:#fff;border:1px solid var(--line);padding:18px 22px;margin:34px 0}.article .related a{text-decoration:underline}.article h3{color:var(--blue);margin-top:24px}.article .faq h3{font-size:24px;font-family:var(--serif)}.article .takeaway-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:28px 0}.article .takeaway,.article .checkpoints{background:var(--warm);border:1px solid var(--line);padding:20px 22px;margin:26px 0}.article .takeaway{border-left:4px solid var(--gold)}.article .checkpoints{border-left:4px solid var(--blue)}.filter-bar{display:flex;flex-wrap:wrap;gap:10px;margin:30px 0}.filter-btn{border:1px solid var(--line);background:#fff;color:var(--blue);padding:10px 14px;font-weight:800;cursor:pointer}.filter-btn.active,.filter-btn:hover{background:var(--blue);color:#fff}.post-card[hidden]{display:none}.tag-row{display:flex;flex-wrap:wrap;gap:6px;margin-top:auto}.tag{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--blue);background:var(--warm);border:1px solid var(--line);padding:4px 7px}@media(max-width:900px){.article .takeaway-grid{grid-template-columns:1fr}.filter-bar{gap:8px}.filter-btn{font-size:14px}}

.blue .kicker{color:#F7F6F4}

.contact .kicker{color:#F7F6F4}.contact .intro{color:rgba(255,255,255,.86)}


.nav-toggle{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);background:rgba(255,255,255,.72);align-items:center;justify-content:center;flex-direction:column;gap:5px;cursor:pointer}.nav-toggle span{width:22px;height:2px;background:var(--blue);display:block;transition:transform .18s ease,opacity .18s ease}.site-header.nav-open .nav-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}.site-header.nav-open .nav-toggle span:nth-child(2){opacity:0}.site-header.nav-open .nav-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:900px){.nav-toggle{display:inline-flex}.nav{position:relative}.nav-links{display:none;position:absolute;left:18px;right:18px;top:calc(100% + 10px);background:rgba(247,246,244,.98);border:1px solid var(--line);box-shadow:0 22px 70px rgba(22,43,75,.18);padding:18px;flex-direction:column;align-items:stretch;gap:4px}.site-header.nav-open .nav-links{display:flex}.nav-links a,.nav-links .btn{width:100%;justify-content:flex-start;padding:13px 12px}.nav-links .btn.secondary{background:var(--blue);color:#fff}.nav-links .lang-switch.nav-lang{margin-left:0;width:max-content;align-self:flex-start;margin-top:8px}}

.footer-site-links{max-width:1180px;margin:18px auto 0;padding:16px 24px 0;border-top:1px solid rgba(255,255,255,.16);display:flex;flex-wrap:wrap;gap:12px 22px;justify-content:flex-start;color:rgba(255,255,255,.84);font-size:14px}.footer-site-links a{color:#fff;font-weight:700}.footer-site-links a:hover{text-decoration:underline}.footer-site-links + .footer-lang-row{margin-top:14px}@media(max-width:700px){.footer-site-links{justify-content:center;text-align:center;gap:10px 16px}.footer-site-links + .footer-lang-row{margin-top:16px}}