:root{--bg:#faf8f4;--ink:#23261f;--mut:#4a4f43;--g:#2f5d3a;--g2:#1f4029;--sand:#ece6d9;--line:#d8d0bf;--ac:#8a4b12;--acbg:#f6e9d2;--w:1120px;--ser:Charter,'Bitstream Charter','Sitka Text',Cambria,Georgia,serif;--san:system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:1.0625rem/1.65 var(--san)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
a{color:var(--g);text-underline-offset:.15em}a:hover{color:var(--g2)}
:focus-visible{outline:3px solid #b7791f;outline-offset:2px}
.wrap{max-width:var(--w);margin:0 auto;padding:0 1.1rem}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.6rem 1rem;z-index:99}.skip:focus{left:.5rem;top:.5rem}
.topnote{background:var(--g2);color:#f2efe6;font-size:.875rem;text-align:center;padding:.4rem 1rem}
.hd{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hd-in{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:64px}
.logo{display:block;height:40px;width:auto;color:var(--g)}
.hd a.brand{display:block;text-decoration:none}
.nav-toggle{position:absolute;opacity:0;pointer-events:none}
.menu-btn{display:none;cursor:pointer;border:1px solid var(--line);border-radius:6px;padding:.45rem .8rem;font-weight:600;color:var(--g2);background:#fff}
.nav-toggle:focus-visible+.menu-btn{outline:3px solid #b7791f;outline-offset:2px}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:.2rem;align-items:center}
.nav a{display:block;padding:.55rem .7rem;text-decoration:none;color:var(--ink);font-weight:500;border-radius:6px}
.nav a:hover,.nav a[aria-current=page]{background:var(--sand);color:var(--g2)}
.nav .has-sub{position:relative}
.nav .sub{display:none;position:absolute;left:0;top:100%;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 8px 24px rgba(0,0,0,.1);min-width:250px;padding:.4rem;flex-direction:column;align-items:stretch;gap:0}
.nav .has-sub:hover .sub,.nav .has-sub:focus-within .sub{display:flex}
.nav .cta{background:var(--g);color:#fff;font-weight:600}.nav .cta:hover{background:var(--g2);color:#fff}
@media (max-width:900px){.menu-btn{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);max-height:80vh;overflow:auto;padding:.5rem 1rem 1rem}
.nav-toggle:checked~.nav{display:block}.nav ul{flex-direction:column;align-items:stretch}.nav .sub{display:flex;position:static;border:0;box-shadow:none;padding:0 0 0 1rem;min-width:0}.hd-in{position:relative}.logo{height:34px}}
.hero{background:linear-gradient(180deg,#fff 0,var(--bg) 100%);position:relative;padding:2.2rem 0 5.5rem;overflow:hidden}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:140px;background:url(/assets/hero.4fa68b35.svg) bottom/100% 100% no-repeat;pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:2.5rem;align-items:start;position:relative;z-index:1}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
h1,h2,h3{font-family:var(--ser);line-height:1.2;color:#1c2a1f}
h1{font-size:clamp(1.9rem,4.4vw,2.9rem);margin:.2rem 0 .8rem}
h2{font-size:clamp(1.4rem,2.6vw,1.8rem);margin:2.2rem 0 .6rem}h3{font-size:1.2rem;margin:1.5rem 0 .4rem}
.eyebrow{font:600 .8rem var(--san);letter-spacing:.14em;text-transform:uppercase;color:var(--ac);margin:0}
.lead{font-size:1.2rem;color:var(--mut);max-width:60ch}
.facts{list-style:none;padding:0;margin:1.2rem 0 0;display:grid;gap:.5rem}
.facts li{padding-left:1.6rem;position:relative}.facts li::before{content:"";position:absolute;left:0;top:.55em;width:.8rem;height:.8rem;border:2px solid var(--g);border-radius:2px;transform:rotate(45deg)}
.offer-form{background:#fff;border:1px solid var(--line);border-top:5px solid var(--g);border-radius:10px;padding:1.2rem 1.2rem 1rem;box-shadow:0 10px 30px rgba(35,38,31,.08)}
.form-title{margin:0 0 .4rem;font-size:1.3rem}.form-intro{margin:.2rem 0 .8rem;color:var(--mut);font-size:.95rem}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 .8rem}.fld{margin:0 0 .75rem}.fld.full{grid-column:1/-1}
@media (max-width:520px){.fgrid{grid-template-columns:1fr}}
.fld label{display:block;font-weight:600;font-size:.92rem;margin-bottom:.2rem}
.req{color:#a4281a}.opt{font-weight:400;color:var(--mut)}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;padding:.6rem .7rem;border:1.5px solid #8b8672;border-radius:6px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--g);outline:3px solid #b7791f33}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.88rem}.consent input{margin-top:.25rem;width:1.15rem;height:1.15rem;flex:none}.consent label{font-weight:400;margin:0}
.btn{display:inline-block;background:var(--g);color:#fff;border:0;border-radius:8px;padding:.8rem 1.4rem;font:600 1.05rem var(--san);cursor:pointer;text-decoration:none}
.btn:hover{background:var(--g2);color:#fff}.btn[disabled]{opacity:.6}.btn.alt{background:#fff;color:var(--g2);border:2px solid var(--g)}
.fsubmit{margin:.4rem 0}.fsubmit .btn{width:100%}
.form-msg{padding:.6rem .8rem;border-radius:6px;font-size:.92rem}.form-msg.err{background:#fbe9e5;color:#7a1d12;border:1px solid #e3a99f}
.form-fallback{font-size:.85rem;color:var(--mut);margin:.6rem 0 0}.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.band{padding:2.4rem 0}.band.alt{background:var(--sand)}
.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;list-style:none;padding:0;counter-reset:s}
.steps3 li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:10px;padding:1rem 1rem 1rem 3.2rem;position:relative}
.steps3 li::before{content:counter(s);position:absolute;left:.9rem;top:.9rem;width:1.8rem;height:1.8rem;border-radius:50%;background:var(--g);color:#fff;display:grid;place-items:center;font-weight:700}
@media (max-width:760px){.steps3{grid-template-columns:1fr}}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1rem;list-style:none;padding:0}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:1rem 1.1rem;height:100%}
.card h3{margin:0 0 .3rem}.card h3 a{text-decoration:none;color:var(--g2)}.card h3 a:hover{text-decoration:underline}.card p{margin:.2rem 0;color:var(--mut);font-size:.97rem}
.page{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:2.4rem;padding:1.4rem 0 3rem;align-items:start}
@media (max-width:980px){.page{grid-template-columns:1fr}}
.aside{position:sticky;top:84px}@media (max-width:980px){.aside{position:static}}
.crumbs{font-size:.88rem;color:var(--mut);padding:.9rem 0 0}.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.3rem}.crumbs li+li::before{content:"›";margin-right:.3rem}
.crumbs a{color:var(--mut)}
.prose{max-width:72ch}.prose ul,.prose ol{padding-left:1.3rem}.prose li{margin:.25rem 0}
.answer{background:#eef4ea;border-left:5px solid var(--g);padding:.8rem 1rem;border-radius:0 8px 8px 0;margin:1.2rem 0}.answer p{margin:0}
.note{background:var(--acbg);border:1px solid #e4cd9f;border-radius:8px;padding:.8rem 1rem;margin:1.2rem 0;font-size:.97rem}
.def{background:#fff;border:1px dashed var(--line);padding:.6rem .9rem;border-radius:8px}.def dfn{font-weight:700;font-style:normal;color:var(--g2)}
.steps{counter-reset:st;list-style:none;padding:0!important}.steps li{counter-increment:st;position:relative;padding-left:2.6rem;margin:.7rem 0}
.steps li::before{content:counter(st);position:absolute;left:0;top:.05rem;width:1.8rem;height:1.8rem;border-radius:50%;background:var(--sand);border:2px solid var(--g);color:var(--g2);font-weight:700;display:grid;place-items:center;font-size:.95rem}
.table-wrap{overflow-x:auto;margin:1rem 0}table{border-collapse:collapse;width:100%;font-size:.96rem;background:#fff}
caption{text-align:left;font-weight:600;padding:.4rem 0;color:var(--mut)}th,td{border:1px solid var(--line);padding:.5rem .7rem;text-align:left;vertical-align:top}thead th{background:var(--sand)}tbody th{background:#faf6ec;font-weight:600}
.faq-item{border-bottom:1px solid var(--line);padding:.3rem 0}.faq-item h3{font-size:1.08rem;margin:.8rem 0 .3rem}.faq-a p{margin:.3rem 0 .8rem}
.related{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0}.related a{display:inline-block;border:1px solid var(--line);background:#fff;padding:.35rem .8rem;border-radius:999px;text-decoration:none;font-size:.95rem}
.ft{background:var(--g2);color:#e9eadf;margin-top:2rem;padding:2.2rem 0 1.2rem;font-size:.95rem}.ft a{color:#fff}.ft h2{font:700 1rem var(--san);color:#fff;margin:0 0 .5rem;letter-spacing:.04em}
.ft-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:1.6rem}@media (max-width:900px){.ft-grid{grid-template-columns:1fr 1fr}}@media (max-width:520px){.ft-grid{grid-template-columns:1fr}}
.ft ul{list-style:none;margin:0;padding:0}.ft li{margin:.25rem 0}.ft .small{border-top:1px solid #ffffff33;margin-top:1.5rem;padding-top:.9rem;font-size:.85rem;color:#c9ccbc}
.one-col{padding:1.4rem 0 3rem}.stickycta{display:none}
@media (max-width:980px){.stickycta{display:block;position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);padding:.6rem 1rem;z-index:15;text-align:center}.stickycta .btn{width:100%;max-width:420px}body{padding-bottom:4.2rem}}
.pgnav{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0}
.hubgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:1rem}
.hubgrid h3{margin-top:0}