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:root{--ink:#1B2741;--navy:#164C70;--gold:#B69249;--cream:#F5F2EB;--text:#2B2B2B;--gray:#666;--line:#D9D4C7;--callout:#EDF3F7;--paper:#FBFAF6}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--text);line-height:1.65;font-size:18px;background:#fff}

nav.top{position:sticky;top:0;z-index:10;background:var(--ink);border-bottom:1px solid rgba(255,255,255,.08)}
nav.top .in{max-width:1180px;margin:0 auto;padding:14px 24px;display:flex;gap:24px;flex-wrap:wrap;align-items:center}
nav.top .brand{display:flex;align-items:center;gap:10px;margin-right:auto;color:#fff;text-decoration:none;font-family:'Instrument Serif',Georgia,serif;font-size:26px;line-height:1.1;letter-spacing:.2px}
nav.top .brand .yr{font-family:Inter,system-ui,sans-serif;font-size:11px;font-weight:700;letter-spacing:1.2px;color:var(--ink);background:var(--gold);border-radius:999px;padding:3px 9px}
nav.top a.nl{color:#DCE1EA;text-decoration:none;font-size:14.5px;font-weight:600;padding-bottom:3px;border-bottom:2px solid transparent}
nav.top a.nl:hover,nav.top a.nl[aria-current]{color:#fff;border-bottom-color:var(--gold)}

header.hero{background:var(--ink);color:#fff;background-image:linear-gradient(180deg,var(--ink) 0,var(--ink) 70%,#1F2E4D 100%)}
header.hero .in{max-width:1180px;margin:0 auto;padding:46px 24px 54px}
.eyebrow{font-size:12.5px;letter-spacing:1.8px;text-transform:uppercase;color:var(--gold);font-weight:700;margin:0 0 14px}
header.hero h1{font-family:'Instrument Serif',Georgia,serif;font-weight:400;font-size:62px;line-height:1.03;margin:0 0 20px;max-width:860px;letter-spacing:-.01em}
.updated{display:inline-flex;align-items:center;gap:9px;margin:0;font-size:14px;color:#C9CFDA;border:1px solid rgba(255,255,255,.2);border-radius:999px;padding:5px 15px}
.updated::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold)}

.wrap{max-width:1240px;margin:0 auto;padding:40px 24px 72px;display:grid;grid-template-columns:minmax(0,1fr) 420px;gap:44px;align-items:start}
article{max-width:720px;min-width:0}
article .lead>p:first-child{font-size:19.5px;background:var(--cream);border-left:5px solid var(--gold);padding:18px 24px;margin:0 0 8px;border-radius:0 10px 10px 0}
article h2{font-family:'Instrument Serif',Georgia,serif;font-weight:400;font-size:34px;line-height:1.15;color:var(--ink);margin:52px 0 14px;scroll-margin-top:84px}
article h3{font-size:20px;font-weight:700;color:var(--ink);margin:30px 0 8px;scroll-margin-top:84px}
article p,article .lead>ul,article .lead>ol,article .rest>ul,article .rest>ol{max-width:68ch}
article a{color:var(--navy);text-underline-offset:2px}
article li{margin:7px 0}
article hr{border:none;border-top:1px solid var(--line);margin:40px 0}
mark.pending{background:#FFF3D1;color:#6E4F0E;border-radius:4px;padding:1px 5px;font-size:.92em;font-weight:600}

.picks{border:1px solid var(--line);border-radius:16px;padding:18px 20px 10px;margin:26px 0 6px;background:#fff}
.picks-label{font-size:12px;letter-spacing:1.6px;text-transform:uppercase;color:var(--navy);font-weight:700;margin:0 0 8px}
.pick{display:grid;grid-template-columns:34px minmax(0,190px) minmax(0,1fr) auto;gap:14px;align-items:center;padding:12px 0;border-top:1px solid var(--line);color:inherit;text-decoration:none}
.pick:first-of-type{border-top:none}
.pick .rk{width:30px;height:30px;border-radius:50%;background:var(--ink);color:var(--gold);font-family:'Instrument Serif',Georgia,serif;font-size:18px;display:grid;place-items:center}
.pick .lbl{font-size:13px;font-weight:600;color:var(--gray);line-height:1.3}
.pick .nm{font-family:'Instrument Serif',Georgia,serif;font-size:24px;color:var(--ink);line-height:1.2}
.pick .go{font-size:13.5px;font-weight:700;color:var(--navy);white-space:nowrap}
.pick .go::after{content:" \2192"}
.pick:hover .nm{text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}
.pick.fx .nm{font-size:27px}

.tool{border:1px solid var(--line);border-radius:16px;margin:0 0 22px;overflow:hidden;background:#fff;scroll-margin-top:84px}
.tool.fx{border:2px solid var(--navy);box-shadow:0 20px 44px -26px rgba(27,39,65,.5)}
.tool .th{display:flex;gap:16px;align-items:center;padding:18px 26px;border-bottom:1px solid var(--line)}
.tool.fx .th{background:var(--cream)}
.tool .rk{flex:none;width:46px;height:46px;border-radius:50%;background:var(--ink);color:var(--gold);font-family:'Instrument Serif',Georgia,serif;font-size:28px;display:grid;place-items:center}
.tool h3{margin:0;font-size:22px;line-height:1.25}
.tool h3 a{color:inherit;text-decoration:none}
.tool h3 a:hover{text-decoration:underline}
.tool .badge{margin-left:auto;flex:none;background:var(--gold);color:var(--ink);font-size:11.5px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;padding:6px 13px;border-radius:999px}
.tool dl{display:grid;grid-template-columns:150px 1fr;row-gap:12px;column-gap:20px;margin:0;padding:20px 26px}
.tool dt{font-weight:700;font-size:12px;letter-spacing:.6px;text-transform:uppercase;color:var(--navy);margin:0;padding-top:3px;line-height:1.4}
.tool dd{margin:0}
.tool .tf{display:flex;flex-wrap:wrap;gap:12px 20px;align-items:center;justify-content:space-between;padding:14px 26px;border-top:1px solid var(--line);background:var(--paper)}
.tool .src{margin:0;font-size:14px;color:var(--gray);flex:1 1 260px}
.tool .src a{color:var(--navy)}
.cta{display:inline-block;background:var(--gold);color:var(--ink);font-weight:700;font-size:15.5px;padding:12px 26px;border-radius:999px;text-decoration:none;white-space:nowrap}
.cta:hover{background:#C4A35E}
.visit{display:inline-block;border:2px solid var(--navy);color:var(--navy);font-weight:700;font-size:15px;padding:9px 22px;border-radius:999px;text-decoration:none;white-space:nowrap}


footer{border-top:1px solid var(--line);font-size:14px;color:var(--gray);background:var(--cream)}
footer .in{max-width:1180px;margin:0 auto;padding:30px 24px 40px}
footer .flogo{display:inline-block;margin-bottom:14px}
footer .flogo img{display:block;height:27px;width:auto}
footer p{margin:0 0 10px;max-width:90ch}
footer a{color:var(--navy)}

@media(max-width:1100px){
  .wrap{grid-template-columns:minmax(0,1fr);padding-top:30px}
  header.hero h1{font-size:44px}
}
@media(max-width:620px){
  .tool dl{grid-template-columns:1fr;row-gap:4px;padding:16px 20px}
  .tool dt{margin-top:10px}
  .tool .th,.tool .tf{padding-left:20px;padding-right:20px}
  .pick{grid-template-columns:30px minmax(0,1fr) auto;row-gap:2px}
  .pick .lbl{grid-column:2/4}
  .pick .nm{grid-column:2/3}
  .pick .rk{grid-row:1/3}
}
@media(max-width:480px){
  nav.top .in{gap:4px 16px;padding:12px 16px}
  nav.top .brand{width:100%;margin-bottom:2px;font-size:22px}
  nav.top a.nl{font-size:13.5px}
  header.hero .in{padding:32px 16px 38px}
  header.hero h1{font-size:36px}
  .wrap{padding-left:16px;padding-right:16px}
  .tool .badge{display:none}
}
.fields{margin-top:26px;display:flex;flex-wrap:wrap;align-items:center;gap:10px 14px}
.fields p{margin:0;font-size:12px;letter-spacing:1.6px;text-transform:uppercase;color:#9AA4B8;font-weight:700}
.fields ul{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
.fields li{font-size:13.5px;color:#fff;background:rgba(255,255,255,.08);border:1px solid rgba(182,146,73,.45);border-radius:8px;padding:4px 11px}
.owner{margin:-4px 0 18px;max-width:760px;font-size:15.5px;line-height:1.5;color:#DCE1EA}
.pick .rk.none{background:none}

aside.rail{position:sticky;top:88px}
.fx-offer{display:block}
.fx-offer img{display:block;width:100%;height:auto;border-radius:12px;box-shadow:0 14px 34px -18px rgba(27,39,65,.4)}
.fx-offer .fx-offer-cta{display:block;margin-top:12px;background:var(--gold);color:var(--ink);font-weight:700;font-size:16px;line-height:1.35;text-align:center;padding:14px 18px;border-radius:26px;text-decoration:none}
.fx-offer .fx-offer-cta:hover{filter:brightness(1.07)}
@media(max-width:1100px){
  .wrap{display:flex;flex-direction:column;gap:0}
  .wrap>article{display:contents}
  .wrap>article>.lead{order:1}
  .wrap>aside.rail{display:block;order:2;position:static;margin:28px 0 12px;width:100%;max-width:720px}
  .wrap>article>.rest{order:3}
  .wrap>article>.lead,.wrap>article>.rest{width:100%;max-width:720px;min-width:0}
}