:root {
  --navy: #12306b;
  --navy-dark: #0b2150;
  --gold: #b8862b;
  --gold-light: #e4c677;
  --ink: #1b2437;
  --muted: #5a6376;
  --ivory: #fbf9f4;
  --line: #e5dfce;
  --ok: #1d7a46;
  --warn: #8a5a00;
  --warn-bg: #fff6e0;
}
* { box-sizing: border-box; }
img { max-width: 100%; }
body { overflow-x: hidden; }
body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--ivory);
  line-height: 1.6;
}
h1, h2, h3 { font-family: Georgia, "Times New Roman", serif; line-height: 1.2; color: var(--navy); }
a { color: var(--navy); }
.wrap { max-width: 860px; margin: 0 auto; padding: 0 20px; }

/* header: navy bar with a gold edge */
header.site {
  background: var(--navy-dark);
  border-bottom: 3px solid var(--gold);
}
header.site .wrap {
  max-width: 1000px;
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 8px 24px; padding-top: 8px; padding-bottom: 8px;
}
.brand {
  display: flex; align-items: center; gap: 10px; text-decoration: none;
  font-family: Georgia, serif; font-weight: bold; font-size: 1.2rem; color: #fff;
}
.brand img { background: #fff; border-radius: 6px; padding: 2px 4px; height: 37px; width: auto; }
.brand small { font-size: 1.2rem; color: var(--gold-light); }
nav a { margin-left: 20px; text-decoration: none; color: #e9eefb; font-size: .95rem; }
nav a:hover { color: var(--gold-light); text-decoration: underline; }

/* hero */
.hero-band { background: #fff; border-bottom: 1px solid var(--line); }
.hero { padding-top: 28px; padding-bottom: 48px; text-align: center; }
.hero-logo { width: 100%; max-width: 560px; height: auto; display: block; margin: 0 auto 8px; }
.eyebrow {
  text-transform: uppercase; letter-spacing: .14em; font-size: .8rem; font-weight: 700;
  color: var(--gold); margin: 0 0 14px;
}
.hero h1 { font-size: clamp(1.6rem, 4vw, 2.3rem); margin: 0 auto 16px; max-width: 760px; }
.hero p.lead { font-size: 1.15rem; color: var(--muted); max-width: 640px; margin: 0 auto; }
.btns { margin-top: 26px; display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.btn {
  display: inline-block; padding: 12px 24px; border-radius: 6px;
  background: var(--navy); color: #fff; text-decoration: none; font-weight: 600; border: 2px solid var(--navy); font-size: 1rem; cursor: pointer;
}
.btn:hover { background: var(--navy-dark); border-color: var(--gold); }
.btn.ghost { background: transparent; color: var(--navy); }
.btn.ghost:hover { background: var(--navy); color: #fff; }

section { padding: 38px 0; border-top: 1px solid var(--line); }
section h2 { margin-top: 0; font-size: 1.6rem; }
section h2::after { content: ""; display: block; width: 56px; height: 3px; background: var(--gold); margin-top: 8px; }
.rules { counter-reset: r; list-style: none; padding: 0; }
.rules li {
  counter-increment: r; position: relative; padding: 14px 16px 14px 62px;
  background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 8px; margin-bottom: 12px;
}
.rules li::before {
  content: counter(r); position: absolute; left: 16px; top: 12px;
  width: 30px; height: 30px; border-radius: 50%; background: var(--navy); color: var(--gold-light);
  border: 2px solid var(--gold);
  text-align: center; line-height: 26px; font-weight: bold; font-family: Georgia, serif;
}
.rules strong { display: block; color: var(--navy); }
.never { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 8px 20px 8px 40px; }

/* organization card */
.card { background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: 10px; padding: 24px; margin: 20px 0; }
.card h1 { margin: 6px 0 4px; font-size: 1.8rem; }
.meta { color: var(--muted); margin: 0 0 18px; }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 12px; }
.stat { border: 1px solid var(--line); border-radius: 8px; padding: 12px 14px; background: var(--ivory); }
.stat .n { font-family: Georgia, serif; font-size: 1.7rem; color: var(--navy); }
.stat .l { font-size: .85rem; color: var(--muted); }
.badge { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .03em; padding: 2px 8px; border-radius: 4px; text-transform: uppercase; }
.badge.ok { background: #e3f4ea; color: var(--ok); }
.badge.un { background: var(--warn-bg); color: var(--warn); }
.entry { border-top: 1px solid var(--line); padding: 12px 0; }
.entry:first-of-type { border-top: 0; }
.entry .when { color: var(--muted); font-size: .9rem; }
.unverified { background: var(--warn-bg); border: 2px dashed #d9b45c; border-radius: 10px; padding: 20px 24px; margin: 20px 0; }
.unverified h2 { margin-top: 0; color: var(--warn); font-size: 1.3rem; }
.unverified h2::after { display: none; }
.sample-note { background: #eef1f9; border: 1px solid #ccd5ea; border-radius: 6px; padding: 8px 12px; font-size: .9rem; margin-top: 16px; }

/* directory */
.orglist { list-style: none; padding: 0; }
.orglist li { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 14px 18px; margin-bottom: 10px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px; }

/* forms */
form { background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: 10px; padding: 24px; }
label { display: block; font-weight: 600; margin: 16px 0 4px; color: var(--navy); }
label small { font-weight: 400; color: var(--muted); }
input, select, textarea {
  width: 100%; padding: 10px; font: inherit; border: 1px solid #b9b4a6; border-radius: 6px; background: #fff;
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
textarea { min-height: 110px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; color: var(--ink); }
.check input { width: auto; margin-top: 6px; }
.notice { background: #eef1f9; border-left: 4px solid var(--navy); padding: 12px 16px; border-radius: 4px; margin: 16px 0; }

footer { background: var(--navy-dark); border-top: 3px solid var(--gold); padding: 26px 0 34px; color: #c9d2ea; font-size: .9rem; margin-top: 40px; }
footer a { color: var(--gold-light); }

@media (max-width: 560px) {
  nav a { margin: 0 14px 0 0; }
  .brand { font-size: 1.05rem; }
  .brand small { font-size: 1.05rem; }
}

/* private review page: financial model */
.model-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 4px 16px; background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: 10px; padding: 8px 20px 20px; }
.model-grid label { margin: 12px 0 2px; font-size: .92rem; }
.scen { display: flex; flex-wrap: wrap; gap: 10px; margin: 16px 0; }
.scen button { font: inherit; }
.scen .btn.on { background: var(--gold); border-color: var(--gold); color: #fff; }
table.t { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--line); font-size: .95rem; margin: 12px 0; }
table.t th, table.t td { padding: 8px 10px; border-bottom: 1px solid var(--line); text-align: right; }
table.t th:first-child, table.t td:first-child { text-align: left; }
table.t th { background: var(--ivory); color: var(--navy); }
.neg { color: #a02828; }
.pos { color: var(--ok); }
.tablewrap { overflow-x: auto; }
.chart { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 8px; }
.chart svg { width: 100%; height: auto; display: block; }

table.t.left th, table.t.left td { text-align: left; vertical-align: top; }

/* private page: urgency band */
.urgent { background: var(--navy-dark); color: #eef2fb; border-bottom: 3px solid var(--gold); padding: 44px 0 40px; }
.urgent .eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: .8rem; font-weight: 700; color: var(--gold-light); margin: 0 0 10px; }
.urgent h2 { color: #fff; font-size: clamp(1.6rem, 4vw, 2.2rem); margin: 0 0 12px; }
.urgent h3 { color: var(--gold-light); font-size: 1.15rem; margin: 28px 0 8px; }
.urgent p, .urgent li { color: #e3e9f7; }
.urgent strong { color: #fff; }
.urgent a { color: var(--gold-light); }
.urgent .lead { font-size: 1.15rem; max-width: 720px; }
.urgent .stats { margin: 22px 0 8px; }
.urgent .stat { background: rgba(255,255,255,.07); border-color: rgba(228,198,119,.45); }
.urgent .stat .n { color: var(--gold-light); }
.urgent .stat .l { color: #d5def2; }
.urgent .src { font-size: .85rem; color: #b9c5e2; margin-top: 22px; }
.urgent .src a { color: #d9e2f8; }
.urgent .ours { border-left: 4px solid var(--gold); padding: 4px 0 4px 16px; margin: 20px 0 0; font-size: 1.05rem; }