:root{
  --ink:#1d2921;--forest:#28563a;--forest2:#1d452d;--sage:#738a68;
  --cream:#f6f1e5;--paper:#fffdf8;--wood:#b87742;--wood2:#8f5632;
  --line:#ddd5c5;--muted:#657066;--shadow:0 14px 38px rgba(29,41,33,.10)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Georgia,"Times New Roman",serif;line-height:1.72}
a{color:var(--forest);text-underline-offset:3px}
img{max-width:100%;height:auto}
.wrap{max-width:1200px;margin:auto;padding:0 22px}
.notice{background:var(--ink);color:#fff;padding:9px 0;text-align:center;font:13px/1.4 Arial,sans-serif}
.site-header{background:rgba(246,241,229,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;backdrop-filter:blur(8px)}
.headrow{display:flex;align-items:center;gap:28px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;color:var(--ink);text-decoration:none;flex:0 0 auto}
.brand strong{font:800 27px/1 Arial,sans-serif;letter-spacing:-1.1px}
.compass{width:42px;height:42px;border:3px solid var(--wood);border-radius:50%;position:relative;background:#fff}
.compass:before{content:"";position:absolute;left:16px;top:5px;border-left:5px solid transparent;border-right:5px solid transparent;border-bottom:25px solid var(--forest);transform:rotate(20deg)}
.header-cta{display:inline-block;background:var(--forest);color:white!important;text-decoration:none;padding:11px 16px;border-radius:6px;font:700 14px Arial,sans-serif;white-space:nowrap;flex:0 0 auto;margin-left:auto}
.headrow nav{display:flex;align-items:center;gap:18px;flex-wrap:nowrap;padding:0;margin:0;font:700 13px Arial,sans-serif;white-space:nowrap;flex:1 1 auto}
.headrow nav a{text-decoration:none;color:var(--ink)}
.hero{background:linear-gradient(115deg,var(--cream),#fff 62%);border-bottom:1px solid var(--line);padding:62px 0}
.eyebrow{font:800 12px/1.4 Arial,sans-serif;text-transform:uppercase;letter-spacing:1.7px;color:var(--wood2)}
h1{font-size:clamp(38px,5.7vw,66px);line-height:1.03;letter-spacing:-2px;margin:.15em 0 .3em;max-width:960px}
h2{font-size:32px;line-height:1.18;margin:1.65em 0 .45em;letter-spacing:-.5px}
h3{font-size:22px;line-height:1.25}
.lede{font-size:21px;max-width:820px;color:#334139}
.btn{display:inline-block;background:var(--forest);color:#fff!important;text-decoration:none;padding:13px 19px;border-radius:6px;font:800 15px Arial,sans-serif;border:1px solid var(--forest2)}
.btn:hover,.header-cta:hover{background:var(--forest2)}
.btn.secondary{background:white;color:var(--forest)!important}
main{padding:38px 0 80px}
.layout{display:grid;grid-template-columns:minmax(0,790px) 300px;gap:50px}
.article p,.article li{font-size:18px}
.breadcrumbs{font:13px Arial,sans-serif;color:#6d746e;margin-bottom:21px}
.disclosure{font:13px/1.55 Arial,sans-serif;color:#59625c;background:#f7f5ee;padding:11px 13px;border-radius:6px}
.callout{border-left:4px solid var(--wood);background:var(--cream);padding:16px 20px;margin:26px 0}
.checklist{background:#faf8f2;border:1px solid var(--line);border-radius:8px;padding:20px 24px}
.sticky{position:sticky;top:22px;background:var(--cream);border:2px solid var(--wood);border-radius:10px;padding:22px;box-shadow:var(--shadow)}
.sticky h3{margin-top:0}.sticky .btn{width:100%;text-align:center}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);background:#fff;border-radius:9px;padding:23px;box-shadow:0 7px 18px rgba(29,41,33,.04)}
.card h3{margin-top:0}.card p{color:#4f5b52}
.section-intro{max-width:820px}
.related{margin-top:50px;padding-top:26px;border-top:1px solid var(--line)}
.related ul{columns:2;gap:28px}
.toc{border:1px solid var(--line);border-radius:8px;padding:16px 20px;background:#fff}
.toc b{font-family:Arial,sans-serif}.toc a{text-decoration:none}
.table-wrap{overflow-x:auto}.compare{border-collapse:collapse;width:100%;font-family:Arial,sans-serif;font-size:15px}
.compare th,.compare td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.compare th{background:var(--cream)}
footer{background:var(--ink);color:#ecefe9;padding:46px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:34px}
footer a{color:white}.small{font:13px Arial,sans-serif;color:#ced5cf}
.offer-strip{margin:34px 0;padding:22px;background:linear-gradient(105deg,#f5eadc,var(--cream));border:1px solid #dec5aa;border-radius:10px}
.offer-strip h3{margin:.1em 0 .4em}
@media(max-width:900px){
  .layout{grid-template-columns:1fr}.sticky{position:static}.grid{grid-template-columns:1fr 1fr}.header-cta{display:none}
}
@media(max-width:620px){
  .grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.related ul{columns:1}
  h1{font-size:43px}.headrow{padding:10px 0}.brand strong{font-size:21px}
  .header-cta{display:none}
  .headrow nav{gap:14px;font-size:12px}
  .hero{padding:44px 0}
}.footer-grid{grid-template-columns:1fr}.related ul{columns:1}
  h1{font-size:43px}.headrow{padding:14px 0}.brand strong{font-size:22px}nav{gap:14px}.hero{padding:44px 0}
}