:root{--navy:#1f354a;--blue:#496884;--ink:#202a33;--muted:#5f6c76;--line:#dbe2e8;--soft:#f4f7f9;--white:#fff;--gold:#c5a56a;--good:#dce9e2;--warn:#f2e7d2;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:1rem/1.65 Arial,Helvetica,sans-serif;background:#fff}a{color:var(--navy);text-underline-offset:.18em}a:hover{text-decoration-thickness:2px}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.narrow{max-width:790px}.skip{position:absolute;left:12px;top:-80px;background:#fff;color:var(--navy);padding:.65rem 1rem;z-index:100}.skip:focus{top:12px}.candidate{background:#fff4d9;color:#4b3812;border-bottom:1px solid #e5cf9c;padding:.55rem 1rem;text-align:center;font-size:.9rem;font-weight:700}.site-nav{background:var(--navy);color:#fff}.nav-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;color:#fff;text-decoration:none;font-weight:700;letter-spacing:.08em;font-size:.84rem}.brand img{width:42px;height:42px;object-fit:contain}.links{display:flex;align-items:center;gap:20px;font-size:.9rem}.links a{color:#fff;text-decoration:none}.links a[aria-current=page]{border-bottom:2px solid var(--gold)}.menu{display:none;color:#fff}.menu summary{cursor:pointer;font-weight:700}.menu-panel{padding:.65rem 0 1rem;display:grid;gap:.5rem}.menu-panel a{color:#fff}.hero{padding:88px 0 72px;background:linear-gradient(135deg,#fff 0%,var(--soft) 100%)}.eyebrow{color:var(--blue);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.14}h1{font-size:clamp(2.65rem,5vw,4.8rem);max-width:940px;margin:.25em 0}h2{font-size:clamp(2rem,3.3vw,3rem);margin:.2em 0 .5em}h3{font-size:1.35rem;margin:.25em 0}.lead{font-size:1.2rem;color:var(--muted);max-width:780px}.actions{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.5rem}.button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:.7rem 1rem;border:1px solid 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var(--gold);padding:1rem 1.2rem;background:#fff9eb}.clock-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;align-items:start}.clock{border:1px solid var(--line);border-radius:8px;padding:24px;background:#fff}.clock-face{width:min(100%,430px);aspect-ratio:1;margin:1rem auto;position:relative;border-radius:50%;border:2px solid var(--navy);display:grid;place-items:center;background:conic-gradient(var(--warn) 0 33.333%,#e2e8ee 33.333% 66.666%,#dbe7ef 66.666%)}.clock.modeled .clock-face{background:conic-gradient(var(--good) 0 33.333%,#e2e8ee 33.333% 66.666%,#dbe7ef 66.666%)}.clock-center{width:48%;height:48%;border-radius:50%;background:#fff;border:2px solid var(--navy);display:grid;place-items:center;text-align:center;padding:1rem;font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-weight:700}.clock-label{position:absolute;background:#fff;border:1px solid var(--line);padding:.25rem .45rem;border-radius:4px;font-size:.78rem;font-weight:700}.clock-label.availability{top:8%;left:50%;transform:translateX(-50%)}.clock-label.stability{right:2%;bottom:22%}.clock-label.growth{left:7%;bottom:16%}.legend{list-style:none;padding:0;margin:1rem 0 0;display:grid;gap:.65rem}.legend li{padding-left:1rem;border-left:5px solid var(--blue)}.legend li:first-child{border-left-color:#c69f55}.comparison{overflow-x:auto}.comparison table{width:100%;border-collapse:collapse;min-width:580px}.comparison th,.comparison td{padding:.85rem;text-align:left;border-bottom:1px solid var(--line)}.comparison th{background:var(--navy);color:#fff}.number{font-variant-numeric:tabular-nums;font-weight:700}.form-shell{max-width:760px}.field{margin:0 0 1.25rem}.field label,.legend-title{display:block;font-weight:700;margin-bottom:.35rem}.field input,.field select{width:100%;min-height:48px;border:1px solid #7c8994;border-radius:4px;padding:.7rem;font:inherit}.choice{display:flex;align-items:flex-start;gap:.65rem}.choice input{margin-top:.35rem;min-width:20px;min-height:20px}.error{color:#9d1d16;font-weight:700;margin:.35rem 0 0}.notice{padding:1rem 1.2rem;border-left:4px solid var(--blue);background:var(--soft)}[hidden]{display:none!important}.receipt{border:2px solid var(--navy);padding:1.4rem;border-radius:6px;background:#fff}.footer{background:var(--navy);color:#dbe5ec;padding:45px 0}.footer-inner{display:flex;justify-content:space-between;gap:30px}.footer a{color:#fff}.footer-links{display:flex;gap:.75rem;flex-wrap:wrap}.text-equivalent{border-top:1px solid var(--line);margin-top:1rem;padding-top:1rem}.delta{font-size:clamp(1.8rem,4vw,3.2rem);font-family:Georgia,'Times New Roman',serif;color:var(--navy)}
.navy .button{color:var(--navy)}
.choice input{width:auto;flex:0 0 auto}
.canonical-clock-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;align-items:start}.canonical-clock{margin:0;border:1px solid var(--line);border-radius:8px;padding:22px;background:#fff;min-width:0}.canonical-clock h3{text-align:center}.state-label{text-align:center;color:var(--muted);font-size:.9rem}.clock-viewport{overflow-x:auto;overscroll-behavior-inline:contain;border-radius:6px}.clock-viewport:focus-visible{outline:3px solid #edbd58;outline-offset:3px}.clock-viewport img{display:block;width:100%;height:auto;min-width:520px}.clock-key{display:flex;flex-wrap:wrap;gap:.7rem 1.1rem;margin:1.25rem 0 1.5rem;padding:1rem;background:#fff;border:1px solid var(--line);border-radius:6px}.clock-key>div{display:flex;align-items:center;gap:.45rem}.key-color,.key-pattern{display:inline-block;width:26px;height:18px;border:1px solid #52606b}.availability-key{background:#9fc9d8}.stability-key{background:#4f7897}.growth-key{background:#7ea06d}.taxable-key{background:#969696}.deferred-key{background:#1f1f1f}.free-key{background:#fff}.clock-equivalent{margin-top:1rem}.clock-equivalent summary{cursor:pointer;font-weight:700;color:var(--navy)}.clock-equivalent .comparison{margin-top:.8rem}.clock-boundary{border-left:4px solid var(--blue);padding:.8rem 1rem;background:#fff;margin-top:1.5rem}
@media(max-width:980px){.links{gap:12px;font-size:.82rem}}
@media(max-width:800px){.links{display:none}.menu{display:block}.grid2,.grid3,.clock-grid,.canonical-clock-grid{grid-template-columns:1fr}.hero{padding:62px 0 50px}section{padding:52px 0}.footer-inner{display:block}.clock-face{max-width:390px}h1{font-size:2.55rem}}
@media(max-width:390px){.wrap{width:min(var(--max),calc(100% - 28px))}.brand span{font-size:.72rem}.brand img{width:36px;height:36px}.clock{padding:16px}.clock-label{font-size:.7rem}.button{width:100%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Expanded Functional-Design case study 1.0 */
.case-hero .lead{max-width:870px}.section-intro{max-width:850px;margin-bottom:1.7rem}.formula-strip{display:inline-block;margin:0 0 1.5rem;padding:.65rem .9rem;border:1px solid var(--line);border-radius:5px;background:var(--soft);font-weight:700;color:var(--navy)}.requirement-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.requirement-card{position:relative;border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:7px;background:#fff;padding:22px 20px 18px}.requirement-card h3{margin:.75rem 0 .2rem}.requirement-card p{margin:.15rem 0}.requirement-card .amount{font:700 1.5rem/1.2 Georgia,'Times New Roman',serif;color:var(--navy)}.timing-chip{display:inline-block;border-radius:999px;padding:.2rem .6rem;font-size:.76rem;font-weight:700}.availability-chip{background:#dcecf2;color:#173a57}.stability-chip{background:#d7e2ea;color:#173a57}.growth-chip{background:#e0e9dc;color:#294122}.surplus-note{margin-top:1rem;padding:.8rem 1rem;border-left:4px solid var(--growth,#7ea06d);background:var(--soft)}.portfolio-summary{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid var(--line);border-radius:8px;overflow:hidden;background:#fff}.portfolio-summary article{display:flex;flex-direction:column;justify-content:space-between;gap:.7rem;padding:20px;border-right:1px solid var(--line)}.portfolio-summary article:last-child{border-right:0}.portfolio-summary span{font-size:.84rem;color:var(--muted)}.portfolio-summary strong{font:700 1.45rem/1.15 Georgia,'Times New Roman',serif;color:var(--navy)}.portfolio-summary .total{background:var(--navy)}.portfolio-summary .total span,.portfolio-summary .total strong{color:#fff}.blend-visual{margin:26px 0;padding:22px;border:1px solid var(--line);border-radius:8px;background:#fff}.blend-label{display:flex;justify-content:space-between;gap:18px;margin-bottom:.7rem}.blend-label span{color:var(--muted)}.blend-bar{display:flex;min-height:54px;border-radius:5px;overflow:hidden;color:#fff;font-weight:700}.blend-bar span{display:flex;align-items:center;justify-content:center;padding:.5rem}.blend-bar .stocks{background:#29485f}.blend-bar .bonds{background:#71879a}.reveal-card{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:26px 0}.reveal-card>div{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:.15rem 1rem;padding:22px;border:1px solid var(--line);border-radius:8px;background:#fff}.reveal-card p{grid-column:2;margin:.2rem 0;color:var(--muted)}.reveal-number{grid-row:1/3;font:700 clamp(2rem,4vw,3.2rem)/1 Georgia,'Times New Roman',serif;color:var(--navy)}.clock-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:14px}.clock-heading h3{text-align:left;margin:.15rem 0}.state-kicker{font-size:.72rem;font-weight:700;letter-spacing:.13em;color:var(--blue)}.capacity-badge{flex:0 0 auto;border-radius:999px;padding:.35rem .65rem;font-size:.76rem;font-weight:700}.current-badge{background:#f2e7d2;color:#5b4112}.designed-badge{background:#dce9e2;color:#23412f}.expanded-clocks .canonical-clock{padding:24px}.expanded-clocks .clock-viewport img{min-width:460px}.clock-callout{display:flex;justify-content:space-between;gap:12px;margin-top:1rem;padding:.75rem .9rem;border-radius:5px;font-size:.88rem}.warning-callout{background:#f5e5df;color:#6c281c}.good-callout{background:#dce9e2;color:#23412f}.assignment-comparison{display:grid;grid-template-columns:minmax(0,1fr) auto minmax(0,1fr);align-items:center;gap:18px}.assignment-comparison article{height:100%;border:1px solid var(--line);border-radius:8px;padding:24px;background:#fff}.assignment-comparison h3{margin:.2rem 0 1rem}.assignment-arrow{font-size:2rem;color:var(--blue)}.assignment-row{display:flex;justify-content:space-between;gap:14px;border-left:6px solid #9fc9d8;padding:.65rem .75rem;margin:.55rem 0;background:var(--soft)}.assignment-row.stock-row{border-left-color:#29485f}.assignment-row.bond-row{border-left-color:#71879a}.assignment-row span{color:var(--muted)}.change-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin-top:2rem}.result-hero{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:18px;margin:1.5rem 0 2rem}.result-hero>div:not(.result-arrow){display:flex;flex-direction:column;align-items:center;padding:24px;border:1px solid var(--line);border-radius:8px;background:var(--soft)}.result-hero span{font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}.result-hero strong{font:700 clamp(2.25rem,5vw,4rem)/1.1 Georgia,'Times New Roman',serif;color:var(--navy)}.result-arrow{font-size:2.2rem;color:var(--blue)}.bridge{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:2rem 0 1rem}.bridge article{position:relative;display:flex;flex-direction:column;min-height:185px;padding:20px;border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:7px;background:#fff}.bridge article:not(:last-child)::after{content:'→';position:absolute;right:-18px;top:43%;z-index:2;color:var(--blue);font-size:1.5rem}.bridge-step{display:grid;place-items:center;width:26px;height:26px;margin-bottom:.7rem;border-radius:50%;background:var(--navy);color:#fff;font-weight:700}.bridge strong{margin-top:auto;font:700 1.55rem/1.15 Georgia,'Times New Roman',serif;color:var(--navy)}.bridge small{color:var(--muted)}.bridge-total{padding:1rem 1.2rem;border-left:4px solid var(--gold);background:#fff9eb}
@media(max-width:980px){.requirement-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.portfolio-summary{grid-template-columns:repeat(2,minmax(0,1fr))}.portfolio-summary article:nth-child(2){border-right:0}.portfolio-summary article:nth-child(-n+2){border-bottom:1px solid var(--line)}.bridge{grid-template-columns:repeat(2,minmax(0,1fr))}.bridge article:nth-child(2)::after{display:none}}
@media(max-width:800px){.expanded-clocks .clock-viewport img{min-width:0}.assignment-comparison{grid-template-columns:1fr}.assignment-arrow{transform:rotate(90deg);text-align:center}.change-grid{grid-template-columns:1fr}.clock-callout{display:grid}.bridge article::after{display:none!important}}
@media(max-width:540px){.requirement-grid,.portfolio-summary,.reveal-card,.result-hero,.bridge{grid-template-columns:1fr}.portfolio-summary article{border-right:0;border-bottom:1px solid var(--line)}.portfolio-summary article:last-child{border-bottom:0}.blend-label{display:grid;gap:.1rem}.blend-bar{min-height:46px;font-size:.78rem}.reveal-card>div{grid-template-columns:1fr}.reveal-card p{grid-column:1}.reveal-number{grid-row:auto}.clock-heading{display:grid}.capacity-badge{justify-self:start}.assignment-row{display:grid;gap:.1rem}.result-arrow{transform:rotate(90deg);text-align:center}.result-hero>div:not(.result-arrow){padding:20px}.bridge article{min-height:0}.button{width:100%}}