:root{--ink:#17313b;--muted:#5f737b;--paper:#fbfcfa;--card:#fff;--line:#dbe4e1;--sage:#dcebe5;--teal:#1d6b67;--teal2:#15514f;--sand:#f1e8d8;--accent:#b96b3d;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}
a{color:var(--teal2);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--accent)}img,svg{max-width:100%}
.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}.topbar{background:var(--ink);color:white;font-size:.9rem;text-align:center;padding:8px 16px}
header{background:rgba(251,252,250,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{min-height:72px;display:flex;align-items:center;gap:28px}.brand{font-weight:850;letter-spacing:-.035em;font-size:1.15rem;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:10px}.mark{width:34px;height:24px;border:2px solid var(--teal);border-radius:8px;position:relative}.mark:after{content:"";position:absolute;left:6px;right:6px;top:9px;height:2px;background:var(--teal);box-shadow:0 -5px 0 var(--sage),0 5px 0 var(--sage)}
nav{margin-left:auto;display:flex;gap:20px;align-items:center}.header-cta{white-space:nowrap;margin-left:4px;padding:10px 14px}.mobile-actions{display:flex;align-items:center;gap:8px;margin-left:auto}nav a{font-size:.94rem;text-decoration:none;color:var(--ink);font-weight:650}.menu{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:9px 12px}
.hero{padding:76px 0 58px;background:linear-gradient(135deg,#eef6f2 0%,#fbfcfa 55%,#f6eee2 100%)}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.78rem;font-weight:800;color:var(--teal)}
h1,h2,h3{line-height:1.13;letter-spacing:-.035em}h1{font-size:clamp(2.35rem,6vw,4.8rem);max-width:880px;margin:.2em 0}h2{font-size:clamp(1.65rem,3vw,2.5rem);margin-top:2.2em}h3{font-size:1.3rem;margin-top:1.7em}.lede{font-size:1.2rem;color:var(--muted);max-width:760px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.btn{display:inline-block;background:var(--teal);color:white!important;text-decoration:none;font-weight:800;border-radius:10px;padding:13px 18px;border:0}.btn:hover{background:var(--teal2)}.btn.secondary{background:white;color:var(--ink)!important;border:1px solid var(--line)}
.section{padding:58px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}.card h3{margin-top:0}.card p{color:var(--muted)}.pill{display:inline-block;background:var(--sage);padding:5px 9px;border-radius:999px;font-size:.78rem;font-weight:800;color:var(--teal2)}
.content{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:54px;padding:54px 0}.article{font-size:1.05rem}.article p,.article li{color:#314850}.article .intro{font-size:1.18rem;color:#38525a}.sidebar{position:relative}.sticky{position:static}.callout{background:#eef6f2;border-left:4px solid var(--teal);padding:20px 22px;border-radius:0 12px 12px 0;margin:28px 0}.money{background:var(--ink);color:white;border-radius:18px;padding:26px;margin:34px 0}.money p{color:#dce6e8}.money .btn{background:#fff;color:var(--ink)!important}.disclosure{font-size:.9rem;color:var(--muted);background:#f5f6f4;border:1px solid var(--line);padding:12px 15px;border-radius:10px}
table{width:100%;border-collapse:collapse;margin:26px 0;font-size:.94rem;background:white}th,td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#edf4f1;color:var(--ink)}.table-scroll{overflow-x:auto}
.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:var(--muted)}.sourcebox{font-size:.9rem;border-top:1px solid var(--line);margin-top:42px;padding-top:20px}.sourcebox li{margin:.5em 0}
footer{background:#112a33;color:#dbe7e7;padding:44px 0;margin-top:40px}footer a{color:#e6f4f1}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.fine{font-size:.85rem;color:#aebfc3}
@media(max-width:850px){nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--paper);padding:18px 24px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}nav.open{display:flex}.menu{display:block;margin-left:auto}.content{grid-template-columns:1fr}.sticky{position:static}.grid{grid-template-columns:1fr 1fr}.hero{padding-top:52px}}
@media(max-width:560px){.grid,.foot{grid-template-columns:1fr}.wrap{width:min(var(--max),calc(100% - 24px))}h1{font-size:2.5rem}.topbar{font-size:.8rem}.content{padding-top:34px}}

.sitewide-cta{margin-top:18px}
.sidebar .money{margin:18px 0 0}
.sidebar .money h3{font-size:1.15rem}
.sidebar .money p{font-size:.93rem}
.sitemap-list{columns:2;column-gap:36px}.sitemap-list li{break-inside:avoid;margin:.45rem 0}
@media(min-width:851px){.mobile-actions{display:contents}.menu{display:none}.header-cta{order:3}}
@media(max-width:850px){
  .nav{gap:8px;min-height:68px}
  .brand{font-size:1rem;min-width:0;white-space:nowrap}
  .mobile-actions{display:flex;margin-left:auto;gap:7px}
  .header-cta{font-size:.82rem;padding:9px 10px;border-radius:8px;margin:0}
  .menu{display:block;margin:0;font-size:0;width:42px;height:42px;padding:0;position:relative}
  .menu:before,.menu:after,.menu span{content:"";position:absolute;left:10px;right:10px;height:2px;background:var(--ink)}
  .menu:before{top:12px}.menu span{top:19px}.menu:after{top:26px}
  nav{top:68px}
}
@media(max-width:470px){
  .mark{display:none}
  .brand{font-size:.88rem;max-width:145px;line-height:1.05;white-space:normal}
  .header-cta{font-size:.76rem;padding:8px 9px}
}
@media(max-width:365px){
  .brand{display:none}
  .header-cta{font-size:.78rem;padding:9px 10px}
}
@media(max-width:560px){.sitemap-list{columns:1}}

.offer-modal[hidden]{display:none}.offer-modal{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:20px}.offer-backdrop{position:absolute;inset:0;background:rgba(10,28,34,.62)}.offer-dialog{position:relative;width:min(520px,100%);background:var(--card);border-radius:18px;padding:30px;border:1px solid var(--line);box-shadow:0 22px 70px rgba(0,0,0,.22)}.offer-dialog h2{margin:.55rem 0}.offer-dialog p{color:var(--muted)}.offer-close{position:absolute;right:12px;top:10px;width:42px;height:42px;border:0;background:transparent;color:var(--ink);font-size:2rem;line-height:1;cursor:pointer}.offer-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.offer-actions .btn{cursor:pointer;font-size:1rem}.offer-actions button.secondary{background:white;border:1px solid var(--line)}body.modal-open{overflow:hidden}
@media(max-width:560px){.offer-dialog{padding:26px 20px 20px}.offer-actions{display:grid;grid-template-columns:1fr}.offer-actions .btn{text-align:center}}
.takeaways{background:#f1f7f4;border:1px solid var(--line);border-radius:14px;padding:20px 24px;margin:24px 0}.takeaways h2,.guide-nav h2{margin-top:0;font-size:1.25rem}.takeaways li{margin:.35rem 0}.guide-nav{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:18px 0;margin:26px 0}.guide-nav ul{columns:2;padding-left:20px}.byline{font-size:.9rem;color:var(--muted)}@media(max-width:560px){.guide-nav ul{columns:1}}.hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.hub-group{background:white;border:1px solid var(--line);border-radius:16px;padding:24px}.hub-group h2{margin-top:0}.hub-group li{margin:.45rem 0}@media(max-width:700px){.hub-grid{grid-template-columns:1fr}}