:root{
  --ink:#172029;--muted:#5d6872;--paper:#fffdf9;--panel:#f6f4ef;--line:#dedbd3;
  --accent:#ea5b38;--accent2:#b94027;--deep:#13252b;--soft:#fff1eb;--radius:18px;
  --shadow:0 18px 50px rgba(19,37,43,.10);--max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.68}
a{color:#8f321e;text-decoration-thickness:.08em;text-underline-offset:.18em}
a:hover{color:var(--accent2)}
img,svg{max-width:100%;height:auto}
.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,253,249,.95);backdrop-filter:blur(12px);border-bottom:1px solid rgba(222,219,211,.85)}
.header-inner{height:74px;display:flex;align-items:center;gap:24px}
.brand{display:flex;align-items:center;gap:10px;color:var(--deep);font-weight:850;text-decoration:none;letter-spacing:-.02em}
.brand img{width:34px;height:34px}
.nav{margin-left:auto;display:flex;align-items:center;gap:18px;font-size:.95rem;font-weight:650}
.nav a{text-decoration:none;color:var(--ink)}
.nav a:hover{color:var(--accent2)}
.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;border-radius:999px;background:var(--accent);color:white!important;text-decoration:none!important;font-weight:800;padding:.78rem 1.06rem;border:0;box-shadow:0 8px 18px rgba(234,91,56,.18);cursor:pointer}
.btn:hover,.nav-cta:hover{background:var(--accent2);color:white}
.btn.secondary{background:transparent;color:var(--deep)!important;border:1px solid var(--deep);box-shadow:none}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;padding:.55rem .7rem;font-size:1rem}
.hero{padding:72px 0 44px;background:radial-gradient(circle at 82% 18%,#ffe2d6 0,transparent 29%),linear-gradient(180deg,#fffdf9 0,#f8f5ee 100%);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.65fr);gap:52px;align-items:center}
.eyebrow{font-size:.8rem;font-weight:850;text-transform:uppercase;letter-spacing:.13em;color:var(--accent2)}
h1,h2,h3{color:var(--deep);line-height:1.12;letter-spacing:-.035em}
h1{font-size:clamp(2.35rem,6vw,4.6rem);margin:.35rem 0 1rem}
.article-hero h1{font-size:clamp(2.2rem,5vw,3.85rem)}
h2{font-size:clamp(1.65rem,3vw,2.35rem);margin-top:2.5rem}
h3{font-size:1.28rem;margin-top:1.8rem}
.lede{font-size:1.18rem;color:#3f4b54;max-width:760px}
.hero-actions,.cta-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:1.45rem}
.micro{font-size:.84rem;color:var(--muted);margin-top:.65rem}
.hero-card{background:var(--deep);color:#f7faf9;border-radius:26px;padding:28px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero-card:after{content:"";position:absolute;width:160px;height:160px;border:1px solid rgba(255,255,255,.16);border-radius:50%;right:-45px;top:-50px}
.hero-card h2{color:white;margin-top:0;font-size:1.55rem}
.hero-card ul{padding-left:1.1rem}
.trust-strip{display:flex;gap:20px;flex-wrap:wrap;font-size:.87rem;color:var(--muted);margin-top:1.4rem}
main{display:block}
.section{padding:54px 0}
.section.tight{padding:34px 0}
.section.alt{background:var(--panel);border-block:1px solid var(--line)}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 8px 24px rgba(19,37,43,.05)}
.card h3{margin-top:.2rem}
.card .tag{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;color:var(--accent2);font-weight:800}
.card a.stretched{font-weight:800}
.content-grid{display:grid;grid-template-columns:minmax(0,760px) minmax(250px,320px);gap:46px;align-items:start}
.article{font-size:1.03rem}
.article p{margin:1rem 0}
.article ul,.article ol{padding-left:1.25rem}
.article li{margin:.55rem 0}
.article blockquote{margin:1.5rem 0;padding:1rem 1.2rem;border-left:4px solid var(--accent);background:var(--soft);border-radius:0 12px 12px 0}
.article table{border-collapse:collapse;width:100%;font-size:.94rem}
.article th,.article td{padding:.85rem;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.article th{background:var(--panel)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px}
.breadcrumbs{font-size:.84rem;color:var(--muted);margin-bottom:1rem}
.breadcrumbs a{color:inherit}
.meta-row{display:flex;gap:14px;flex-wrap:wrap;font-size:.86rem;color:var(--muted);margin:1rem 0}
.decision-box{background:var(--soft);border:1px solid #f3b8a6;border-radius:16px;padding:22px;margin:1.5rem 0}
.decision-box strong{color:var(--deep)}
.cta-module{margin:2rem 0;background:linear-gradient(135deg,#13252b,#213b43);color:white;border-radius:20px;padding:24px;box-shadow:var(--shadow)}
.cta-module h2,.cta-module h3{color:white;margin-top:0}
.cta-module p{color:#e7efed}
.cta-module .micro{color:#cbd7d4}
.cta-rail{position:sticky;top:98px;border:1px solid var(--line);background:white;border-radius:20px;padding:22px;box-shadow:var(--shadow)}
.cta-rail h2{font-size:1.35rem;margin-top:0}
.cta-rail ul{padding-left:1.15rem;font-size:.92rem}
.sources{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:20px;margin-top:2.5rem}
.sources h2{font-size:1.3rem;margin-top:0}
.sources li{word-break:break-word}
.related{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:1.4rem}
.related a{display:block;border:1px solid var(--line);border-radius:14px;padding:15px;text-decoration:none;background:white;font-weight:750}
.pill{display:inline-block;background:var(--soft);border:1px solid #f1b6a4;border-radius:999px;padding:.35rem .7rem;font-size:.78rem;font-weight:800;color:var(--accent2)}
.site-footer{margin-top:60px;background:var(--deep);color:#dbe6e3;padding:46px 0 26px}
.site-footer a{color:white}
.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:28px}
.footer-grid h2{font-size:1rem;color:white;margin-top:0;letter-spacing:0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;font-size:.83rem;color:#b6c6c2}
.utility{max-width:780px;margin:0 auto;padding:60px 20px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-weight:750}
input,textarea{width:100%;margin-top:.35rem;border:1px solid var(--line);border-radius:10px;padding:.8rem;font:inherit;background:white}
textarea{min-height:160px}
.form-full{grid-column:1/-1}
.offer-backdrop{display:none;position:fixed;inset:0;background:rgba(10,20,24,.62);z-index:100;align-items:center;justify-content:center;padding:20px}
.offer-backdrop.open{display:flex}
.offer-modal{position:relative;width:min(560px,100%);background:var(--paper);border-radius:24px;padding:30px;box-shadow:0 28px 80px rgba(0,0,0,.3)}
.offer-modal h2{font-size:2rem;margin:.1rem 0 .7rem}
.offer-close{position:absolute;right:14px;top:12px;border:0;background:var(--panel);width:38px;height:38px;border-radius:50%;font-size:1.4rem;cursor:pointer}
.offer-benefits{padding-left:1.15rem}
.offer-disclosure{font-size:.78rem;color:var(--muted);margin-top:.8rem}
.flow-diagram{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;align-items:center;margin:2rem 0}
.flow-step{background:white;border:1px solid var(--line);border-radius:14px;padding:15px;text-align:center;font-weight:750;font-size:.9rem}
.callout{border:1px solid var(--line);background:#fff;border-radius:16px;padding:20px}
.skip-link{position:absolute;left:-999px;top:0}
.skip-link:focus{left:10px;top:10px;background:white;padding:8px;z-index:999}
@media (max-width:960px){
 .hero-grid,.content-grid,.footer-grid{grid-template-columns:1fr}
 .grid-3{grid-template-columns:1fr 1fr}
 .cta-rail{position:static;margin-top:24px}
 .nav{display:none;position:absolute;left:0;right:0;top:74px;background:var(--paper);border-bottom:1px solid var(--line);padding:18px 20px;flex-direction:column;align-items:stretch}
 .nav.open{display:flex}
 .menu-btn{display:block}
 .nav .nav-cta{text-align:center}
 .hero{padding-top:48px}
}
@media (max-width:640px){
 .wrap{width:min(100% - 28px,var(--max))}
 .grid-3,.related,.form-grid{grid-template-columns:1fr}
 .hero{padding:38px 0 28px}
 h1{font-size:2.55rem}
 .section{padding:38px 0}
 .offer-backdrop{align-items:flex-end;padding:0}
 .offer-modal{border-radius:22px 22px 0 0;padding:26px 20px 24px;max-height:82vh;overflow:auto}
 .offer-modal h2{font-size:1.65rem}
 .flow-diagram{grid-template-columns:1fr}
 .flow-step:after{content:"↓";display:block;margin-top:8px;color:var(--accent)}
 .flow-step:last-child:after{content:""}
}