.ret-hero,.ret-video-hero{background:#132e3e;color:#f8f5ed;padding:76px 0}.ret-hero h1,.ret-video-hero h1{color:#fff;font-size:clamp(44px,5.5vw,76px);line-height:1.03;margin:18px 0 26px}.ret-split{display:grid;grid-template-columns:1.15fr 1fr;align-items:center;gap:80px}.ret-eyebrow{font-size:13px;letter-spacing:2px;font-weight:700;color:#927542;margin:0 0 16px}.ret-hero .ret-eyebrow,.ret-video-hero .ret-eyebrow{color:#d2b777}.ret-lead{font-size:23px;line-height:1.55;max-width:650px}.ret-small{font-size:15px;line-height:1.6}.ret-hero .ret-small,.ret-video-hero .ret-small{color:#c6d2d7;margin-top:28px}.ret-cover{width:min(100%,350px);height:auto;display:block;margin:auto;box-shadow:0 22px 48px #0003;border:1px solid #bca979}.ret-cover-link{transform:rotate(2deg);display:block}.ret-hero .btn-y,.ret-guide .btn-y,.ret-contact .btn-y,.ret-calc .btn-y{background:#d2b777;border-color:#d2b777;color:#142f3f}.ret-jump{display:flex;gap:32px;flex-wrap:wrap;padding-top:24px;padding-bottom:24px;border-bottom:1px solid #d8d8d0}.ret-jump a{font-weight:600;text-decoration:none;font-size:16px}.ret-video-hero a{color:#f1dfb3}.ret-video-hero .ret-jump{border-color:#ffffff30;padding-bottom:0;margin-top:30px;border:0}.ret-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin:36px 0}.ret-cards article{border-top:2px solid #b2955d;padding:26px 0}.ret-cards span{font-size:13px;letter-spacing:1px;font-weight:700;color:#746441}.ret-cards h3{font-size:30px;line-height:1.15;margin:15px 0}.ret-text-link{font-weight:700}.ret-guide{background:#f3f0e8}.ret-guide .ret-split{grid-template-columns:.8fr 1.2fr}.ret-guide h2,.ret-calc h2,.ret-contact h2{font-size:clamp(34px,4vw,48px);line-height:1.1}.ret-checks{padding-left:24px;line-height:1.8;margin:24px 0}.ret-library{background:#f8f7f3}.ret-lesson{display:grid;grid-template-columns:1.15fr 1fr;gap:40px;align-items:start;padding:44px 0;border-bottom:1px solid #d9dedc;scroll-margin-top:110px}.ret-lesson:first-child{padding-top:0}.ret-lesson:last-child{border:0}.ret-video{background:#132e3e;border-radius:10px;overflow:hidden;box-shadow:0 8px 25px #142d3b15}.ret-video video{display:block;width:100%;aspect-ratio:16/9;object-fit:contain}.ret-lesson h2{font-size:34px;line-height:1.12;margin:12px 0 16px}.ret-lesson-copy details{margin-top:20px}.ret-lesson-copy summary{cursor:pointer;font-weight:600;color:#21556c}.ret-lesson-copy details p{font-size:16px;line-height:1.8;max-height:400px;overflow:auto;padding:16px;background:white;border-radius:8px}.ret-calc-card{background:#f4f2eb;border:1px solid #d9d3c4;border-radius:12px;padding:30px;display:grid;gap:12px}.ret-calc-card label{font-weight:600}.ret-calc-card input{background:white;border:1px solid #9ba8ad;border-radius:6px;padding:14px;width:100%;font:inherit}.ret-calc-card p{margin:0 0 10px}#income-result{font-weight:600;background:#fff;padding:20px;border-left:3px solid #b2955d;min-height:90px;margin-top:10px}.ret-contact{text-align:center;background:#f4f2eb}.ret-contact p{max-width:730px;margin:20px auto}.ret-contact .btn-row{justify-content:center}.ret-contact .ret-small{margin-top:35px}.ret-hero .btn-o{color:#fff;border-color:#92a7b1}#guide,#calculator,#conversation{scroll-margin-top:95px}@media(max-width:800px){.ret-split,.ret-guide .ret-split,.ret-lesson{grid-template-columns:1fr;gap:32px}.ret-hero,.ret-video-hero{padding:44px 0}.ret-cover{max-width:260px}.ret-cards{grid-template-columns:1fr;gap:4px}.ret-guide .ret-cover{max-width:220px}.ret-jump{gap:16px 24px}.ret-lesson{padding:32px 0}.ret-lesson h2{font-size:30px}.ret-lead{font-size:20px}.ret-calc-card{padding:22px}.ret-cover-link{margin-top:20px}}
.ret-hero .ret-lead,.ret-video-hero .ret-lead{color:#e1e9ec}

.ret-welcome{background:#f3f0e8;scroll-margin-top:95px}.ret-welcome .ret-lesson{padding:0;border:0}

.ret-intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;margin-top:26px}.ret-intro-grid h1{font-size:clamp(42px,4.2vw,62px)}.ret-intro-transcript{margin-top:16px;color:#e1e9ec}.ret-intro-transcript summary{cursor:pointer;font-size:16px}.ret-intro-transcript p{color:#e1e9ec;font-size:16px;line-height:1.7;max-height:280px;overflow:auto}@media(max-width:800px){.ret-intro-grid{grid-template-columns:1fr;gap:28px}}

.ret-intro-grid > div > .ret-eyebrow{margin-top:0;margin-bottom:18px}.ret-intro-grid h1{margin-top:0}.ret-intro-grid .ret-lead{margin-bottom:0}.ret-video-hero .ret-jump{margin-top:22px}