/* Layout: one left-aligned reading column, with a "ledger" side rail for key facts on article pages.
   Brand: the gold coin and black horse of the Dark Horse logo. Gold is used for rules, marks and buttons, never for body text. */
:root{
  --paper:#FAF9F6;      /* page */
  --sheet:#FFFFFF;      /* raised surfaces */
  --ink:#191611;        /* text */
  --ink-2:#4F493F;      /* secondary text */
  --rule:#E3DED3;       /* hairlines */
  --gold:#C39A45;       /* coin gold: rules, marks, button fill */
  --gold-ink:#7E5C18;   /* gold dark enough for text on paper */
  --night:#17140F;      /* dark bands */
  --night-ink:#F1ECE1;
  --on-gold:#17140F;
  --f-wordmark:"Cinzel",Georgia,"Times New Roman",serif;
  --f-display:"Libre Caslon Text",Georgia,"Times New Roman",serif;
  --f-body:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --s-1:.875rem; --s0:1.0625rem; --s1:1.25rem; --s2:1.6rem; --s3:2.1rem; --s4:2.9rem;
  --measure:66ch;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --paper:#13110D; --sheet:#1B1813; --ink:#EEE8DC; --ink-2:#B9B1A2; --rule:#332E25;
  --gold:#D4AE5E; --gold-ink:#E2C27C; --night:#0C0B08; --night-ink:#F1ECE1; --on-gold:#17140F; color-scheme:dark}}
:root[data-theme="dark"]{
  --paper:#13110D; --sheet:#1B1813; --ink:#EEE8DC; --ink-2:#B9B1A2; --rule:#332E25;
  --gold:#D4AE5E; --gold-ink:#E2C27C; --night:#0C0B08; --night-ink:#F1ECE1; --on-gold:#17140F; color-scheme:dark}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 var(--s0)/1.65 var(--f-body)}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold-ink);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}
h1,h2,h3{font-family:var(--f-display);font-weight:400;line-height:1.15;text-wrap:balance;margin:0;color:var(--ink)}
h1{font-size:var(--s4);letter-spacing:-.01em}
h2{font-size:var(--s3)}
h3{font-size:var(--s1);font-family:var(--f-body);font-weight:650;line-height:1.3}
p,ul,ol{margin:0}
.wrap{max-width:72rem;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.eyebrow{font:600 var(--s-1)/1.2 var(--f-body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.lede{font-size:var(--s1);line-height:1.55;color:var(--ink-2);max-width:var(--measure)}
.muted{color:var(--ink-2)}
.skip{position:absolute;left:-999px;top:8px;background:var(--sheet);padding:8px 12px;z-index:50}
.skip:focus{left:12px}

/* Header */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--paper);border-bottom:1px solid var(--rule)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:21;background:var(--paper)}
.site-header .wrap{display:flex;align-items:center;gap:20px;padding-block:12px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);margin-right:auto}
.brand img{width:44px;height:44px}
.brand span{font:600 1.02rem/1.1 var(--f-wordmark);letter-spacing:.12em;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.98rem}
.nav a[aria-current="page"],.nav a:hover{color:var(--gold-ink)}
.menu-btn{display:none;background:none;border:0;color:var(--ink);padding:6px;cursor:pointer}
@media (max-width:880px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;background:var(--paper);border-bottom:1px solid var(--rule);padding:8px max(20px,env(safe-area-inset-right,0px)) 18px max(20px,env(safe-area-inset-left,0px))}
  .nav.open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid var(--rule)}
  .nav .btn{margin-top:14px;text-align:center;border-bottom:0}
}

/* Buttons */
.btn{display:inline-block;font:600 1rem/1 var(--f-body);padding:15px 22px;border-radius:3px;text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn.gold{background:var(--gold);color:var(--on-gold)}
.btn.gold:hover{filter:brightness(1.06)}
.btn.line{border-color:var(--ink);color:var(--ink);background:transparent}
.btn.line:hover{background:var(--ink);color:var(--paper)}
.nav .btn.gold{padding:11px 16px;color:var(--on-gold)}
.actions{display:flex;flex-wrap:wrap;gap:12px}

/* Sections */
section{padding-block:clamp(48px,7vw,88px)}
section + section{border-top:1px solid var(--rule)}
.stack{display:grid;gap:18px}
.stack-lg{display:grid;gap:28px}

/* Home hero: headline left, coin-framed portrait right */
.hero{padding-block:clamp(40px,6vw,76px)}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.9fr);gap:clamp(28px,5vw,64px);align-items:center}
.hero h1{font-size:clamp(2.3rem,5.2vw,3.7rem)}
.portrait{margin:0;position:relative;justify-self:center;width:min(360px,100%)}
.portrait img{border-radius:50%;aspect-ratio:1/1;object-fit:cover;object-position:50% 30%;width:100%;border:6px solid var(--gold);box-shadow:0 0 0 1px var(--rule)}
.portrait figcaption{text-align:center;margin-top:14px;font-size:var(--s-1);color:var(--ink-2)}
.portrait figcaption b{display:block;font:600 1rem/1.3 var(--f-display);color:var(--ink)}
@media (max-width:760px){.hero .wrap{grid-template-columns:1fr}.portrait{width:220px;justify-self:start;order:-1}}

/* Three paths on home */
.paths{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,15rem),1fr));gap:0;border-top:2px solid var(--ink)}
.path{padding:22px 22px 26px 0;border-bottom:1px solid var(--rule);display:grid;gap:10px;align-content:start}
.path + .path{padding-left:22px;border-left:1px solid var(--rule)}
@media (max-width:760px){.path + .path{padding-left:0;border-left:0}}
.path .tag{font:600 var(--s-1)/1 var(--f-body);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.path h3{font:400 var(--s2)/1.15 var(--f-display)}
.path a.more{font-weight:600}

/* Dark band */
.band{background:var(--night);color:var(--night-ink)}
.band h2,.band h3{color:var(--night-ink)}
.band .eyebrow{color:var(--gold)}
.band a:not(.btn){color:var(--gold)}
.band .muted{color:#BDB4A3}
.band .btn.line{border-color:var(--night-ink);color:var(--night-ink)}
.band .btn.line:hover{background:var(--night-ink);color:var(--night)}
.band .wrap{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:clamp(24px,5vw,56px);align-items:center}
@media (max-width:760px){.band .wrap{grid-template-columns:1fr}}

/* Steps (a real sequence) */
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,14rem),1fr));gap:24px;counter-reset:s}
.steps li{counter-increment:s;display:grid;gap:8px;align-content:start;padding-top:16px;border-top:1px solid var(--rule)}
.steps li::before{content:"Step " counter(s);font:600 var(--s-1)/1 var(--f-body);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.band .steps li{border-color:#3A342A}
.band .steps li::before{color:var(--gold)}

/* Article pages with ledger rail */
.page-head{padding-block:clamp(36px,5vw,64px) 12px}
.page-head .wrap{display:grid;gap:16px}
.crumbs{font-size:var(--s-1);color:var(--ink-2)}
.crumbs a{color:var(--ink-2)}
.article{padding-block:24px clamp(48px,7vw,88px)}
.article .wrap{display:grid;grid-template-columns:minmax(0,1fr) 19rem;gap:clamp(28px,5vw,64px);align-items:start}
@media (max-width:900px){.article .wrap{grid-template-columns:1fr}}
.prose{max-width:var(--measure);display:grid;gap:18px;min-width:0}
.prose h2{font-size:var(--s2);margin-top:22px}
.prose h3{margin-top:8px}
.prose ul,.prose ol{padding-left:1.25em;display:grid;gap:8px}
.prose li::marker{color:var(--gold-ink)}
.prose strong{font-weight:650}
.rail{position:sticky;top:calc(env(safe-area-inset-top,0px) + 92px);display:grid;gap:18px;min-width:0}
@media (max-width:900px){.rail{position:static}}
.ledger{background:var(--sheet);border:1px solid var(--rule);border-top:3px solid var(--gold);padding:18px 20px}
.ledger h2{font:600 var(--s-1)/1.2 var(--f-body);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink);margin:0 0 10px}
.ledger dl{margin:0;display:grid;gap:10px}
.ledger dt{font-size:var(--s-1);color:var(--ink-2)}
.ledger dd{margin:0;font-weight:600;line-height:1.35}
.ledger p{font-size:.95rem}
.ledger .btn{width:100%;text-align:center;margin-top:12px}
.note{font-size:var(--s-1);color:var(--ink-2)}

/* Tables */
.table-wrap{overflow-x:auto;border:1px solid var(--rule);background:var(--sheet)}
table{border-collapse:collapse;width:100%;font-size:.97rem;font-variant-numeric:tabular-nums}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--rule);vertical-align:top}
th{font-weight:650;font-size:var(--s-1);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2);background:var(--paper)}
tr:last-child td{border-bottom:0}
td.num{text-align:right;white-space:nowrap}
caption{caption-side:bottom;text-align:left;padding:10px 14px;font-size:var(--s-1);color:var(--ink-2)}

/* FAQ */
.faq{display:grid;gap:0;border-top:2px solid var(--ink);max-width:var(--measure)}
.faq details{border-bottom:1px solid var(--rule);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:16px 36px 16px 0;position:relative;font:400 var(--s1)/1.35 var(--f-display)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font:400 1.6rem/1 var(--f-body);color:var(--gold-ink)}
.faq details[open] summary::after{content:"\2212"}
.faq .ans{padding:0 0 18px;display:grid;gap:12px;color:var(--ink)}

/* Cards list (guides, annuity types) */
.index-list{display:grid;gap:0;border-top:2px solid var(--ink)}
.index-list a{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:6px 24px;padding:20px 0;border-bottom:1px solid var(--rule);text-decoration:none;color:var(--ink)}
.index-list a:hover h3{color:var(--gold-ink)}
.index-list h3{font:400 var(--s2)/1.2 var(--f-display)}
.index-list p{grid-column:1;color:var(--ink-2);max-width:var(--measure)}
.index-list .go{grid-row:1 / span 2;grid-column:2;align-self:center;font-size:1.5rem;color:var(--gold-ink)}

/* Forms */
form.signup{display:grid;gap:14px;max-width:30rem}
.field{display:grid;gap:6px}
label{font-weight:600;font-size:.95rem}
input,select{font:inherit;padding:12px 14px;border:1px solid var(--rule);border-radius:3px;background:var(--sheet);color:var(--ink);width:100%}
.band input,.band select{background:#211D16;border-color:#3A342A;color:var(--night-ink)}
.form-note{font-size:var(--s-1);color:var(--ink-2)}
.band .form-note{color:#BDB4A3}
.form-msg{font-weight:600}

/* States */
.states{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,12rem),1fr));gap:0;border-top:2px solid var(--ink)}
.states li{padding:12px 0;border-bottom:1px solid var(--rule);display:flex;gap:12px;align-items:baseline}
.states abbr{font:600 var(--s-1)/1 var(--f-body);letter-spacing:.1em;color:var(--gold-ink);text-decoration:none;min-width:2.2em}

/* Diagram */
.figure{background:var(--sheet);border:1px solid var(--rule);padding:18px;display:grid;gap:10px}
.figure svg{width:100%;height:auto}
.figure figcaption{font-size:var(--s-1);color:var(--ink-2)}

/* Footer */
.site-footer{background:var(--night);color:#C9C0AE;padding-block:48px 36px;font-size:.95rem}
.site-footer .wrap{display:grid;gap:28px}
.foot-top{display:grid;grid-template-columns:minmax(0,1.3fr) repeat(2,minmax(0,1fr));gap:28px}
@media (max-width:760px){.foot-top{grid-template-columns:1fr}}
.site-footer h2{font:600 var(--s-1)/1.2 var(--f-body);letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.site-footer a{color:#F1ECE1;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer ul{list-style:none;padding:0;display:grid;gap:6px}
.foot-brand{display:flex;gap:14px;align-items:center}
.foot-brand img{width:56px;height:56px}
.foot-brand span{font:600 1rem/1.2 var(--f-wordmark);letter-spacing:.12em;text-transform:uppercase;color:#F1ECE1}
.disclose{border-top:1px solid #2E2921;padding-top:20px;display:grid;gap:8px;font-size:.85rem;color:#A79E8C;max-width:80ch}
.dhg{font-size:.85rem;color:#A79E8C}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
.band.plain .wrap{grid-template-columns:1fr}
.band .steps h3{font:400 var(--s1)/1.25 var(--f-display)}
html,body{overflow-x:clip}
.dl{max-width:30rem}.dl .btn{display:inline-block}.dl .form-note{margin-top:12px}

@media (max-width:640px){
  .table-wrap{border:0;background:none;overflow:visible}
  table,tbody,tr,th,td{display:block;width:100%}
  thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  tbody tr{background:var(--sheet);border:1px solid var(--rule);border-top:3px solid var(--gold);margin:0 0 14px}
  tbody tr:last-child td:last-child{border-bottom:0}
  .rowhead{background:none;font-size:.82rem;padding:12px 14px 6px;border-bottom:0}
  td{display:grid;grid-template-columns:6.6rem 1fr;gap:12px;padding:8px 14px;border-bottom:1px solid var(--rule);text-align:left}
  td.num{text-align:left;white-space:normal}
  td[data-label]::before{content:attr(data-label);font-weight:650;font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-ink);padding-top:.2em}
  td.rowhead{display:block;font-weight:650}
  td.rowhead[data-label]::before{content:attr(data-label) ": ";color:var(--ink-2);font-weight:650}
  caption{display:block;width:100%;padding:2px 2px 0}
}