:root{--navy:#10233d;--navy2:#183654;--gold:#b58a36;--gold2:#d8bd7a;--ivory:#fbf8f1;--paper:#fff;--ink:#17212b;--muted:#607080;--line:#e5dfd2;--ok:#eaf4ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--ivory);font:17px/1.68 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:#174f82;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#0e365b}
.wrap{width:min(1120px,92vw);margin:auto}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 16px #0002}.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:22px}.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;letter-spacing:.2px}.brand svg{width:34px;height:34px}.navlinks{display:flex;gap:20px;align-items:center}.navlinks a{color:#e9eef4;text-decoration:none;font-size:15px}.navlinks a:hover{color:#fff}.navcta,.btn{display:inline-block;background:var(--gold);color:#fff!important;text-decoration:none;border-radius:7px;padding:11px 16px;font-weight:750}.menu{display:none;background:none;border:1px solid #ffffff55;color:#fff;border-radius:6px;padding:7px 10px}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:72px 0}.hero .eyebrow,.eyebrow{color:var(--gold2);text-transform:uppercase;font-size:13px;letter-spacing:1.4px;font-weight:800}.hero h1{font:800 clamp(38px,6vw,66px)/1.04 Georgia,serif;max-width:880px;margin:10px 0 18px}.hero p{font-size:20px;max-width:760px;color:#dce7ef}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn.alt{background:transparent;border:1px solid #ffffff88}
main{min-height:70vh}.section{padding:58px 0}.section.white{background:#fff}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 5px 18px #13233a0b}.card h3{margin:5px 0 8px;font:700 22px/1.25 Georgia,serif}.card p{color:var(--muted);margin:0 0 12px}.kicker{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:#8b6b2d;font-weight:800}.section h2,.article h2{font:800 34px/1.2 Georgia,serif;color:var(--navy);margin:0 0 18px}.article h3{font:700 24px/1.3 Georgia,serif;color:var(--navy);margin-top:32px}
.article-wrap{display:grid;grid-template-columns:minmax(0,760px) 290px;gap:44px;padding:52px 0}.article h1{font:800 clamp(38px,5vw,56px)/1.08 Georgia,serif;color:var(--navy);margin:8px 0 16px}.dek{font-size:20px;color:#4d6071}.meta{font-size:14px;color:#71808c;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:28px}.article p,.article li{max-width:760px}.article li{margin-bottom:8px}
.notice{background:#f3eee1;border-left:4px solid var(--gold);padding:18px 20px;border-radius:4px;margin:25px 0}.risk{background:#fff6e6;border:1px solid #e8cf9a;padding:18px 20px;border-radius:8px;margin:25px 0}.sourcebox{background:#f5f7f8;border:1px solid #dde4e8;border-radius:8px;padding:18px;margin:28px 0;font-size:15px}.sourcebox h3{margin-top:0}.sourcebox a{overflow-wrap:anywhere}
.cta{background:var(--navy);color:#fff;border-radius:12px;padding:26px;margin:34px 0}.cta h3{color:#fff;margin:0 0 8px}.cta p{color:#dce7ef}.cta .btn{margin-top:6px}
aside .card{position:sticky;top:96px}aside ul{padding-left:18px}aside li{margin:8px 0}.breadcrumb{font-size:14px;color:#6d7b86;margin-bottom:18px}.breadcrumb a{color:#526c80}
table{border-collapse:collapse;width:100%;margin:24px 0;background:#fff}th,td{border:1px solid #ddd8cb;padding:13px;text-align:left;vertical-align:top}th{background:#f1ecdf;color:var(--navy)}
footer{background:#091827;color:#cbd6df;padding:46px 0 28px}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}footer a{color:#dce7ef}footer h3{color:#fff}.fine{font-size:13px;color:#9fb0bd;border-top:1px solid #ffffff22;margin-top:28px;padding-top:20px}
.badge{display:inline-block;background:#efe5cb;color:#735820;border-radius:999px;padding:5px 10px;font-size:12px;font-weight:800}
@media(max-width:800px){.navlinks{display:none;position:absolute;top:70px;left:0;right:0;background:var(--navy);padding:20px;flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu{display:block}.grid{grid-template-columns:1fr}.article-wrap{grid-template-columns:1fr}.hero{padding:52px 0}.footgrid{grid-template-columns:1fr}aside .card{position:static}}

/* Requested sitewide UX refinements */
header{position:sticky;top:0}
aside .card{position:static!important}
.header-actions{display:flex;align-items:center;gap:10px}
.mobile-cta{display:none}
@media(max-width:800px){
  .nav{min-height:66px;gap:8px}
  .brand{font-size:15px;min-width:0;white-space:nowrap}
  .brand svg{width:28px;height:28px;flex:none}
  .header-actions{margin-left:auto;gap:6px}
  .mobile-cta{display:inline-block;background:var(--gold);color:#fff!important;text-decoration:none;border-radius:7px;padding:8px 10px;font-weight:800;font-size:12px;line-height:1.15;white-space:nowrap}
  .menu{display:block;margin:0}
  .navlinks{top:66px}
  .navlinks .navcta{display:none}
}

.offer-modal{display:none;position:fixed;inset:0;z-index:1000;align-items:center;justify-content:center;padding:20px}
.offer-modal.is-open{display:flex}.offer-modal__backdrop{position:absolute;inset:0;background:#081522c9}
.offer-modal__panel{position:relative;z-index:1;width:min(520px,94vw);background:#fff;border-radius:14px;padding:32px;box-shadow:0 24px 80px #0006}
.offer-modal__panel h2{font:800 30px/1.15 Georgia,serif;color:var(--navy);margin:8px 36px 12px 0}
.offer-modal__panel p{color:var(--muted)}.offer-modal__x{position:absolute;right:14px;top:10px;border:0;background:transparent;font-size:32px;line-height:1;cursor:pointer;color:#52606c}
.offer-modal__actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.modal-stay{border:1px solid #b8c0c7;background:#fff!important;color:var(--navy)!important;cursor:pointer}
@media(max-width:800px){
 header .navlinks,header .menu{display:none!important}
 .header-actions{margin-left:auto}
 .mobile-cta{display:inline-flex!important;align-items:center;justify-content:center;padding:11px 14px;font-size:13px}
 .brand{max-width:42vw;overflow:hidden;text-overflow:ellipsis}
}

/* Benchmark-inspired information architecture, adapted for Gold IRA Scout */
.desktop-mega{display:flex;align-items:center;gap:3px;flex:1;justify-content:flex-end}
.mega-item{position:relative}.mega-trigger,.plain-nav{border:0;background:transparent;color:#e9eef4;text-decoration:none;font:600 14px/1 system-ui;padding:26px 9px;cursor:pointer;white-space:nowrap}
.mega-trigger:hover,.plain-nav:hover,.mega-item:focus-within .mega-trigger{color:#fff;background:#ffffff0a}
.mega-panel{display:none;position:absolute;top:64px;left:0;width:310px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px;box-shadow:0 18px 50px #07152233;z-index:50}
.mega-item:hover .mega-panel,.mega-item:focus-within .mega-panel{display:grid}
.mega-panel a{display:grid;grid-template-columns:1fr;text-decoration:none;padding:10px 11px;border-radius:7px;color:var(--navy)}
.mega-panel a:hover{background:#f6f2e8}.mega-panel strong{font-size:14px}.mega-panel span{font-size:12px;color:var(--muted);margin-top:2px}
.desktop-cta{font-size:13px;white-space:nowrap}.mobile-cta{display:none}
.guide-meta{display:flex;gap:9px;flex-wrap:wrap;margin:18px 0}.guide-meta span{font-size:12px;font-weight:750;background:#f2eee4;border:1px solid #e3dbc8;border-radius:999px;padding:5px 9px;color:#66522c}
.takeaways{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px 22px;margin:24px 0}.takeaways h2{font-size:24px;margin:0 0 10px}.takeaways ul{margin:0;padding-left:22px}.takeaways li::marker{color:var(--gold)}
.toc{background:#f7f8f8;border:1px solid #e0e5e8;border-radius:10px;padding:18px 22px;margin:26px 0}.toc h2{font-size:22px;margin:0 0 8px}.toc ul{columns:2;margin:0;padding-left:20px}.toc a{text-decoration:none}
.cluster-strip{border:1px solid var(--line);border-radius:12px;padding:20px;margin:24px 0;background:#fff}.cluster-strip h2{font-size:24px;margin:0 0 12px}.cluster-links{display:flex;gap:8px;flex-wrap:wrap}.cluster-links a{border:1px solid #d8dfe4;border-radius:999px;padding:7px 10px;text-decoration:none;font-size:13px}
.faq{margin:36px 0}.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:14px 16px;margin:9px 0}.faq summary{font-weight:750;cursor:pointer;color:var(--navy)}.faq details p{margin-bottom:0}
.next-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:24px 0}.next-card{border:1px solid var(--line);background:#fff;border-radius:10px;padding:18px;text-decoration:none}.next-card strong{display:block;color:var(--navy)}.next-card span{font-size:13px;color:var(--muted)}
.fresh-note{font-size:14px;background:#f7f2e6;border-left:3px solid var(--gold);padding:11px 14px;margin:18px 0}
.hub-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:56px 0}.hub-hero h1{font:800 clamp(38px,5vw,58px)/1.05 Georgia,serif;margin:8px 0}.hub-hero p{color:#dce7ef;max-width:760px}
.hub-section{padding:42px 0}.hub-list{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.hub-list a{background:#fff;border:1px solid var(--line);border-radius:9px;padding:15px;text-decoration:none}.hub-list strong{display:block;color:var(--navy)}.hub-list span{font-size:13px;color:var(--muted)}
@media(max-width:1050px){.desktop-mega{gap:0}.mega-trigger,.plain-nav{font-size:12px;padding-left:5px;padding-right:5px}.desktop-cta{padding:9px 10px}}
@media(max-width:800px){.desktop-mega,.desktop-cta{display:none!important}.mobile-cta{display:inline-flex!important;font-size:13px;padding:11px 14px}.header-actions{margin-left:auto}.brand{max-width:46vw}.toc ul{columns:1}.next-grid,.hub-list{grid-template-columns:1fr}}