.learn-home{background:var(--cream)}
.learn-hero{padding:72px 0 34px;border-bottom:1px solid var(--line)}
.learn-hero__grid{display:grid;grid-template-columns:minmax(0,.95fr) minmax(420px,1fr);gap:clamp(34px,6vw,86px);align-items:end}
.learn-hero h1{max-width:11ch;font-size:clamp(54px,7.4vw,112px);letter-spacing:0}
.learn-hero__lede{max-width:42em;color:var(--ink-soft);font-size:20px;line-height:1.6}
.learn-hero__backdrop{position:relative;min-height:390px;margin:0;overflow:hidden;border:1px solid rgba(18,60,51,.13);box-shadow:0 28px 80px rgba(8,42,37,.13);background:var(--ink-deep);isolation:isolate}
.learn-hero__backdrop::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,27,23,.88) 0%,rgba(5,27,23,.62) 34%,rgba(5,27,23,.14) 72%),linear-gradient(0deg,rgba(5,27,23,.46),rgba(5,27,23,0) 48%);z-index:1}
.learn-hero__backdrop::after{content:"";position:absolute;left:28px;right:28px;bottom:28px;height:1px;background:rgba(255,255,255,.28);z-index:2}
.learn-hero__backdrop img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;filter:saturate(.88) contrast(1.03)}
.learn-hero__backdrop figcaption{position:relative;z-index:3;max-width:470px;min-height:390px;padding:34px 36px 48px;color:#fff;display:flex;flex-direction:column;justify-content:flex-end}
.learn-hero__backdrop span{display:block;margin-bottom:auto;font-size:12px;font-weight:900;letter-spacing:.16em;text-transform:uppercase;color:var(--mint)}
.learn-hero__backdrop strong{display:block;font-family:var(--display);font-size:clamp(30px,3.2vw,46px);font-weight:500;line-height:1.02;letter-spacing:0;margin-bottom:16px;text-wrap:balance}
.learn-hero__backdrop p{max-width:34em;color:rgba(255,255,255,.78);font-size:16px;line-height:1.55;margin:0}
.learn-path-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:28px}
.learn-path-strip span{background:#fff;padding:17px 18px;font-size:12px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:#4f6b62}
.learn-grid-section{padding:46px 0 96px}
.learn-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.learn-card{position:relative;display:grid;min-height:475px;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink-deep);overflow:hidden;box-shadow:0 16px 50px rgba(8,42,37,.06);transition:transform .22s,box-shadow .22s,border-color .22s}
.learn-card:hover{transform:translateY(-5px);border-color:#b3ccb9;box-shadow:0 24px 70px rgba(8,42,37,.11)}
.learn-card__cover{height:218px;padding:0;background:var(--ink-deep);border-bottom:1px solid var(--line);display:block;position:relative;overflow:hidden}
.learn-card__cover::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,27,23,.1),rgba(5,27,23,.48));z-index:1;opacity:.88;transition:opacity .22s}
.learn-card__cover::after{content:"";position:absolute;left:18px;right:18px;bottom:16px;height:1px;background:rgba(255,255,255,.35);z-index:2}
.learn-card:hover .learn-card__cover::before{opacity:.68}
.learn-card__cover img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.86) contrast(1.04);transform:scale(1.01);transition:transform .35s,filter .35s}
.learn-card:hover .learn-card__cover img{transform:scale(1.045);filter:saturate(.95) contrast(1.05)}
.learn-card:nth-child(1) .learn-card__cover img{object-position:center 42%}
.learn-card:nth-child(2) .learn-card__cover img{object-position:center 42%}
.learn-card:nth-child(3) .learn-card__cover img{object-position:center 45%}
.learn-card:nth-child(4) .learn-card__cover img{object-position:center 44%}
.learn-card:nth-child(5) .learn-card__cover img{object-position:center 45%}
.learn-card:nth-child(6) .learn-card__cover img{object-position:center 47%}
.learn-card__number{position:absolute;top:17px;left:18px;z-index:3;background:rgba(255,255,255,.9);border:1px solid rgba(255,255,255,.45);box-shadow:0 10px 26px rgba(8,42,37,.16);padding:8px 10px;font-size:12px;font-weight:900;letter-spacing:.12em;color:var(--ink-deep)}
.learn-card__mark{height:118px;border:1px solid rgba(18,60,51,.15);background:rgba(255,255,255,.55);position:relative;overflow:hidden}
.learn-card__mark::before,.learn-card__mark::after{content:"";position:absolute;inset:auto 18px 28px 18px;height:7px;border-radius:99px;background:#d8e3dc}
.learn-card__mark::after{inset:auto 18px 28px 18px;width:38%;background:var(--mint-dark)}
.learn-card__mark--contract::before{inset:20px 24px auto;height:1px;background:rgba(18,60,51,.2)}
.learn-card__mark--contract::after{inset:auto 24px 24px;height:56px;width:auto;border:1px solid rgba(18,60,51,.2);background:linear-gradient(90deg,#fff 0 33%,#eef6ef 33% 66%,#bdf36f 66%)}
.learn-card__mark--floor::before{inset:auto 18px 36px 18px;height:3px;background:var(--ink-deep)}
.learn-card__mark--floor::after{inset:34px 20px auto 20px;width:auto;height:52px;background:none;border-left:0;border-bottom:8px solid #b6403a;clip-path:polygon(0 20%,18% 35%,35% 26%,52% 58%,72% 45%,100% 85%,100% 100%,0 100%)}
.learn-card__mark--move::before{inset:35px 24px auto;height:50px;background:none;border:3px solid var(--ink-deep);border-left:0;border-bottom:0;border-radius:0 50px 0 0}
.learn-card__mark--move::after{right:22px;left:auto;top:75px;width:24px;height:24px;border-radius:50%;background:var(--mint)}
.learn-card__mark--income::before{inset:22px 28px auto;height:72px;background:repeating-linear-gradient(90deg,#dfeee3 0 42px,transparent 42px 58px)}
.learn-card__mark--income::after{inset:auto 26px 24px;width:auto;background:var(--ink-deep)}
.learn-card__mark--safe::before{inset:24px auto auto 24px;width:72px;height:72px;border-radius:50%;background:var(--mint)}
.learn-card__mark--safe::after{left:118px;right:22px;top:38px;width:auto;height:10px;box-shadow:0 25px 0 #dfeee3,0 50px 0 #dfeee3;background:#dfeee3}
.learn-card__body{padding:28px;display:flex;flex-direction:column}
.learn-card__meta{font-size:11px;font-weight:900;letter-spacing:.13em;text-transform:uppercase;color:#668176;margin-bottom:14px}
.learn-card h2{font-size:35px;letter-spacing:0;margin-bottom:14px}
.learn-card p{color:var(--ink-soft);font-size:16px;line-height:1.58}
.learn-card__link{margin-top:auto;font-size:14px;font-weight:900;color:var(--ink-deep)}
.article-page{background:var(--cream)}
.article-shell{padding:54px 0 0}
.article-hero{display:grid;grid-template-columns:minmax(0,.95fr) minmax(420px,1fr);gap:clamp(34px,6vw,92px);align-items:center;margin-bottom:42px}
.article-kicker{font-size:12px;font-weight:900;letter-spacing:.15em;text-transform:uppercase;color:#4d8067;margin:0 0 22px}
.article-hero h1{max-width:12ch;font-size:clamp(48px,6.2vw,88px);letter-spacing:0}
.article-deck{max-width:42em;color:var(--ink-soft);font-size:20px;line-height:1.62}
.article-meta{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.article-meta span{border:1px solid var(--line);background:#fff;padding:8px 11px;border-radius:99px;font-size:12px;font-weight:800;color:#4f6b62}
.article-cover{position:relative;min-height:430px;background:#fff;border:1px solid var(--line);box-shadow:0 24px 70px rgba(8,42,37,.08);padding:28px;display:grid;align-items:stretch;overflow:hidden}
.article-cover--photo{padding:0;background:var(--ink-deep)}
.article-cover--photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,27,23,.08),rgba(5,27,23,.42));pointer-events:none}
.article-cover--photo img{width:100%;height:100%;object-fit:cover;filter:saturate(.9) contrast(1.04)}
.article-body{display:block;padding-bottom:96px}
.article-prose{max-width:1480px;margin:0 auto;font-size:20px;line-height:1.78;color:var(--ink-soft)}
.article-prose h2{font-size:clamp(38px,4.5vw,62px);letter-spacing:0;margin-top:0;color:var(--ink-deep);line-height:1.02}
.article-prose h2:first-child{margin-top:0}
.article-prose p{margin-bottom:1.22em}
.article-prose strong{color:var(--ink-deep)}
.article-section{display:block;padding:58px 0;border-top:1px solid var(--line);clear:both}
.article-section::after{content:"";display:block;clear:both}
.article-section:first-child{border-top:0;padding-top:18px}
.article-section--wide{display:block}
.article-section > div:first-child{max-width:none}
.article-section--wide > div:first-child,.article-section--wide > h2{max-width:none}
.article-section > .diagram,.article-section > .floor-chart,.article-section > .comparison-table,.article-section > .article-photo,.article-section > .article-section__media{float:right;width:min(44%,640px);margin:4px 0 24px clamp(28px,4.2vw,62px)}
.article-section > .article-photo{min-height:360px}
.article-section > .article-section__media{display:grid;gap:14px}
.article-section__media{position:relative}
.article-photo{position:relative;min-height:340px;border:1px solid var(--line);overflow:hidden;background:#fff;box-shadow:0 18px 55px rgba(8,42,37,.07)}
.article-photo img{width:100%;height:100%;object-fit:cover;display:block;filter:saturate(.9) contrast(1.03)}
.article-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,27,23,0),rgba(5,27,23,.22));pointer-events:none}
.article-caption{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#668176;margin-top:12px}
.article-aside{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:22px 0 66px}
.advisor-note,.article-next,.article-disclosure{background:#fff;border:1px solid var(--line);padding:22px;box-shadow:0 12px 35px rgba(8,42,37,.05)}
.advisor-note{border-left:5px solid var(--mint)}
.advisor-note strong,.article-next strong{display:block;font-family:var(--display);font-size:26px;font-weight:500;line-height:1.1;margin-bottom:8px;color:var(--ink-deep)}
.advisor-note p,.article-next p,.article-disclosure{font-size:14px;line-height:1.55;color:var(--ink-soft)}
.article-next a{font-weight:900;text-decoration:none}
.article-disclosure{font-size:12px;background:#f8fbf7}
.article-cta{margin-top:0;background:var(--ink-deep);color:#fff;padding:36px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.article-cta h2{color:#fff;margin:0 0 8px;font-size:36px}
.article-cta p{color:rgba(255,255,255,.75);margin:0}
.article-cta .btn{background:var(--mint);color:var(--ink-deep)}
.lesson-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:28px 0 6px}
.lesson-card{background:#fff;border:1px solid var(--line);padding:24px;min-height:190px}
.lesson-card b{display:block;font-family:var(--display);font-size:30px;line-height:1.04;font-weight:500;color:var(--ink-deep);margin-bottom:10px}
.lesson-card p{font-size:15px;line-height:1.55;margin:0;color:var(--ink-soft)}
.full-bleed-note{background:#edf8ef;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:44px;margin:34px 0;font-size:24px;line-height:1.35;color:var(--ink-deep)}
.pull-quote{font-family:var(--display);font-size:clamp(34px,4vw,58px);line-height:1.05;color:var(--ink-deep);max-width:13ch;float:left;margin:8px clamp(28px,4vw,62px) 28px 0}
.article-prose .article-inline-list{margin:18px 0 30px;padding:0;list-style:none;display:grid;gap:12px}
.article-inline-list li{background:#fff;border-left:4px solid var(--mint);padding:16px 18px;color:var(--ink-soft);box-shadow:0 8px 24px rgba(8,42,37,.04)}
.article-source-note{font-size:13px;line-height:1.55;color:#668176;margin-top:24px}
.comparison-table{display:grid;grid-template-columns:1fr 1fr 1fr;border:1px solid var(--line);background:var(--line);gap:1px;margin:26px 0}
.comparison-table div{background:#fff;padding:22px}
.comparison-table b{display:block;font-family:var(--display);font-size:27px;line-height:1.05;font-weight:500;color:var(--ink-deep);margin-bottom:9px}
.comparison-table p{font-size:15px;line-height:1.55;margin:0;color:var(--ink-soft)}
.diagram{background:#fff;border:1px solid var(--line);padding:26px;margin:36px 0;box-shadow:0 14px 40px rgba(8,42,37,.06)}
.diagram__label{font-size:11px;font-weight:900;letter-spacing:.15em;text-transform:uppercase;color:#4d8067;margin:0 0 20px}
.bucket-diagram{display:grid;grid-template-columns:1.2fr .7fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line)}
.bucket-diagram div{background:#fff;padding:24px;min-height:150px}
.bucket-diagram b{display:block;font-family:var(--display);font-size:27px;font-weight:500;margin-bottom:8px;color:var(--ink-deep)}
.bucket-diagram span{display:block;height:8px;border-radius:99px;background:#dfeee3;margin-bottom:18px}.bucket-diagram div:last-child span{background:var(--mint)}
.contract-diagram{display:grid;grid-template-columns:1fr 70px 1.4fr;align-items:center;gap:18px}
.contract-diagram__box{border:1px solid var(--line);background:#fbfaf4;padding:24px;min-height:190px}
.contract-diagram__box.dark{background:var(--ink-deep);color:#fff}.contract-diagram__box.dark p{color:rgba(255,255,255,.76)}
.contract-diagram__arrow{height:70px;border-radius:50%;background:var(--mint);display:grid;place-items:center;font-size:28px;font-weight:900}
.floor-chart{height:290px;position:relative;background-color:#fff;background-image:repeating-linear-gradient(0deg,transparent 0 56px,rgba(18,60,51,.08) 56px 57px),repeating-linear-gradient(90deg,transparent 0 90px,rgba(18,60,51,.08) 90px 91px);border:1px solid var(--line);overflow:hidden}
.floor-chart::before{content:"";position:absolute;left:24px;right:24px;bottom:76px;height:3px;background:var(--ink-deep);box-shadow:0 0 0 6px rgba(8,42,37,.03)}
.floor-chart svg{position:absolute;inset:25px 24px 35px;width:calc(100% - 48px);height:calc(100% - 60px);overflow:visible}
.floor-chart .market{fill:none;stroke:#b6403a;stroke-width:8;stroke-linecap:round;stroke-linejoin:round}
.floor-chart .annuity{fill:none;stroke:#2f73d8;stroke-width:8;stroke-linecap:round}
.floor-chart__legend{position:absolute;left:26px;top:22px;display:flex;gap:10px;flex-wrap:wrap}
.floor-chart__legend span{background:rgba(255,255,255,.88);border:1px solid var(--line);padding:5px 8px;font-size:11px;font-weight:900}
.move-map{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.move-map div{background:#fbfaf4;border:1px solid var(--line);padding:20px;min-height:142px;position:relative}
.move-map div:not(:last-child)::after{content:"";position:absolute;right:-18px;top:50%;width:24px;height:2px;background:var(--ink-deep)}
.move-map b,.income-timeline b,.safety-grid b{display:block;font-family:var(--display);font-size:25px;font-weight:500;color:var(--ink-deep);line-height:1.05;margin-bottom:8px}
.income-timeline{display:grid;grid-template-columns:1fr 1.2fr;gap:18px}
.income-timeline__rail{position:relative;border:1px solid var(--line);background:#fbfaf4;min-height:250px;padding:24px}
.income-timeline__rail::before{content:"";position:absolute;left:42px;right:42px;top:50%;height:4px;background:var(--ink-deep)}
.income-timeline__rail i{position:absolute;top:calc(50% - 18px);width:36px;height:36px;border-radius:50%;background:var(--mint);border:4px solid #fff;box-shadow:0 0 0 1px var(--line)}
.income-timeline__rail i:nth-child(1){left:36px}.income-timeline__rail i:nth-child(2){left:42%}.income-timeline__rail i:nth-child(3){right:36px}
.income-timeline__checks{display:grid;gap:12px}
.income-timeline__checks div{border:1px solid var(--line);background:#fff;padding:18px}
.safety-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.safety-grid div{background:#fff;border:1px solid var(--line);padding:20px;border-top:5px solid var(--mint)}
.safety-grid div:nth-child(4){border-top-color:#c85d52}
@media(max-width:1100px){
  .learn-hero__grid,.article-hero{grid-template-columns:1fr}
  .article-aside{grid-template-columns:1fr}
  .learn-card-grid{grid-template-columns:repeat(2,1fr)}
  .article-section > .diagram,.article-section > .floor-chart,.article-section > .comparison-table,.article-section > .article-photo,.article-section > .article-section__media,.pull-quote{float:none;width:auto;max-width:none;margin:28px 0}
  .article-section > div:first-child{max-width:none}
}
@media(max-width:760px){
  .learn-hero{padding:42px 0 20px}
  .learn-hero__backdrop{min-height:340px}
  .learn-hero__backdrop figcaption{min-height:340px;padding:26px}
  .learn-card-grid,.learn-path-strip,.bucket-diagram,.contract-diagram,.move-map,.income-timeline,.safety-grid,.lesson-card-grid,.comparison-table{grid-template-columns:1fr}
  .learn-card{min-height:0}.learn-card__cover{min-height:140px}
  .article-shell{padding:36px 0 70px}.article-hero{margin-bottom:26px;gap:24px}
  .article-hero h1{font-size:clamp(44px,14vw,60px)}
  .article-deck,.article-prose{font-size:18px;line-height:1.68}
  .article-cover{min-height:260px;padding:16px;box-shadow:0 16px 45px rgba(8,42,37,.07)}
  .article-cover--photo{padding:0}
  .article-photo{min-height:250px}
  .article-section > .article-photo{min-height:250px}
  .article-section{padding:44px 0}
  .diagram{padding:18px;margin:28px 0}
  .contract-diagram__box{min-height:0;padding:18px}
  .contract-diagram__arrow{width:58px;height:58px;justify-self:center;transform:rotate(90deg)}
  .floor-chart{height:250px}
  .pull-quote{max-width:none;font-size:34px}
  .article-cta{grid-template-columns:1fr}.article-cta .btn{width:100%}
  .move-map div:not(:last-child)::after{display:none}
}
@media(max-width:480px){
  .learn-hero h1{font-size:clamp(52px,18vw,72px)}
  .learn-hero__backdrop strong{font-size:30px}
  .learn-hero__backdrop p{font-size:15px}
  .learn-card__body{padding:24px}
  .learn-card h2{font-size:31px}
  .article-section{padding:38px 0}
  .article-prose h2{font-size:36px}
  .article-meta span{font-size:11px}
}