@font-face{font-family:"Young Serif";src:url(/fonts/young-serif-400.woff2) format("woff2");font-weight:400;font-display:optional}
@font-face{font-family:Outfit;src:url(/fonts/outfit-var.woff2) format("woff2");font-weight:100 900;font-display:optional}
:root{--bg:#fbf8f2;--bg2:#f1ebdf;--card:#fff;--ink:#1d2621;--mute:#56625a;--line:#ddd4c3;--brand:#1f4d3a;--brand2:#2d6a50;--acc:#b8452c;--gold:#f6c26b;--good:#e6f2ea;--bad:#fbe9e4;--shadow:0 1px 2px rgba(0,0,0,.05),0 8px 24px rgba(31,77,58,.08)}
@media (prefers-color-scheme:dark){:root{--bg:#121714;--bg2:#18201b;--card:#1c2520;--ink:#ebe7df;--mute:#a9b3ab;--line:#2f3b34;--brand:#7fc5a0;--brand2:#9ad6b5;--acc:#f08a6c;--good:#1d3228;--bad:#3a2420;--shadow:none}}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:400 1.0625rem/1.6 Outfit,system-ui,-apple-system,"Segoe UI",sans-serif;padding-bottom:64px}
@media (min-width:900px){body{padding-bottom:0}}
h1,h2,h3{font-family:"Young Serif",Georgia,serif;font-weight:400;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;text-wrap:balance}
h1{font-size:clamp(2rem,5.4vw,3.4rem)}h2{font-size:clamp(1.5rem,3.2vw,2.1rem)}h3{font-size:1.25rem}
p,ul,ol{margin:0 0 1em}
a{color:var(--brand2);text-underline-offset:.18em}a:hover{color:var(--acc)}
.wrap{max-width:1160px;margin:0 auto;padding:0 16px}
.vh{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:var(--brand);color:#fff;padding:.6em 1em;z-index:9}.skip:focus{left:8px}
.ico{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;vertical-align:-4px}
.small{font-size:.9rem;color:var(--mute)}.fine{font-size:.82rem;color:var(--mute)}
/* header */
.hdr{background:var(--bg);border-bottom:1px solid var(--line)}
.mast{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:12px;padding-bottom:8px}
.brand{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--ink)}
.brand b{display:block;font-family:"Young Serif",Georgia,serif;font-weight:400;font-size:1.3rem;line-height:1.1}.brand small{color:var(--mute);font-size:.85rem}
.pnav{list-style:none;display:flex;gap:4px 18px;flex-wrap:nowrap;overflow-x:auto;margin:0;padding:4px 0 10px;scrollbar-width:none}
.pnav::-webkit-scrollbar{display:none}
.pnav a{white-space:nowrap;text-decoration:none;color:var(--mute);font-weight:500;font-size:.95rem;padding:6px 0;display:inline-block;border-bottom:2px solid transparent}
.pnav a:hover,.pnav a[aria-current]{color:var(--ink);border-color:var(--acc)}
@media (max-width:560px){.btn.hcta{display:none}}
/* buttons */
.btn{display:inline-block;background:var(--acc);color:#fff;border:0;border-radius:999px;padding:.8em 1.4em;font:600 1rem Outfit,sans-serif;text-decoration:none;cursor:pointer;min-height:44px}
.btn:hover{color:#fff;filter:brightness(1.07)}
@media (prefers-color-scheme:dark){.btn{background:#c4553a}}
.btn.sm{padding:.55em 1.1em;font-size:.92rem}
.btn.ghost{background:transparent;color:var(--brand2);box-shadow:inset 0 0 0 2px currentColor}.btn.ghost:hover{color:var(--acc)}
.btn.light{background:var(--gold);color:#1d2621}
.btn[disabled]{opacity:.45;cursor:not-allowed}
.ctas{display:flex;gap:10px;flex-wrap:wrap}
/* hero */
.hero{padding:40px 0 48px;background:radial-gradient(1200px 400px at 90% -10%,rgba(246,194,107,.28),transparent 70%)}
.hgrid{display:grid;gap:32px;align-items:center}
@media (min-width:900px){.hgrid{grid-template-columns:1.15fr .85fr}}
.hero h1 em{font-style:normal;color:var(--acc)}
.kick{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:600;color:var(--brand2);margin-bottom:.8em}
.lede{font-size:1.2rem;color:var(--mute);max-width:60ch}.lede2{font-size:1.18rem}
.hcard{background:var(--card);border-radius:18px;padding:18px;box-shadow:var(--shadow);border:1px solid var(--line)}
.hc-t{font-weight:600;margin-bottom:10px}
.offer{border-radius:12px;padding:12px 14px;margin-top:10px}.offer ul{margin:.3em 0 .5em;padding-left:1.1em}.offer li{margin:.15em 0}
.offer.bad{background:var(--bad)}.offer.good{background:var(--good)}
.o-h{font-weight:700;margin:0}.o-v{margin:0;font-size:.95rem}
/* sections */
.sec{padding:48px 0}.sec.alt{background:var(--bg2)}
.opener{padding:32px 0 8px}.crumbs{font-size:.9rem;color:var(--mute);margin-bottom:12px}.crumbs a{color:var(--mute)}
.band{background:var(--brand);color:#f4f1ea;padding:32px 0}
@media (prefers-color-scheme:dark){.band{background:#17362a}}
.band a{color:var(--gold)}.band .note{font-size:.92rem;opacity:.9;margin:14px 0 0}
.stats{list-style:none;padding:0;margin:0;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.stats b{display:block;font-family:"Young Serif",Georgia,serif;font-weight:400;font-size:2.4rem;line-height:1;color:var(--gold);margin-bottom:6px}
.stats.sm{margin:1em 0}.stats.sm li{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:14px}.stats.sm b{color:var(--acc);font-size:2rem}
.split{display:grid;gap:28px}
@media (min-width:860px){.split{grid-template-columns:1.3fr 1fr;align-items:start}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow)}
.panel.dark{background:var(--brand);color:#f4f1ea;border:0}.panel.dark a{color:var(--gold)}.panel.dark .small{color:#d9e6de}
@media (prefers-color-scheme:dark){.panel.dark{background:#17362a}}
.ticks{list-style:none;padding:0}.ticks li{position:relative;padding-left:28px;margin:.5em 0}
.ticks li::before{content:"";position:absolute;left:4px;top:.5em;width:12px;height:7px;border-left:2.5px solid var(--acc);border-bottom:2.5px solid var(--acc);transform:rotate(-45deg)}
.path{counter-reset:s;list-style:none;padding:0;display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.path li{counter-increment:s;background:var(--card);border-radius:16px;padding:18px;border:1px solid var(--line)}
.path li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;margin-bottom:10px}
@media (prefers-color-scheme:dark){.path li::before{color:#121714}}
.path h3{font-size:1.1rem}.path p{margin:0;color:var(--mute);font-size:.97rem}
.cards{list-style:none;padding:0;display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.cards a{display:block;height:100%;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px;text-decoration:none;color:var(--ink)}
.cards a:hover{border-color:var(--acc)}.cards b{display:block;font-size:1.08rem}.cards span{color:var(--mute);font-size:.93rem}
.gbp{list-style:none;padding:0;margin:0}.gbp li{padding:8px 0;border-bottom:1px solid var(--line)}.gbp li:last-child{border:0}.gbp a{font-weight:600;display:block}.gbp span{font-size:.88rem;color:var(--mute)}
.prose{max-width:74ch}.prose h2{margin-top:1.4em}.prose h3{margin-top:1.1em}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin:10px 0;padding:0 16px}
.faq summary{cursor:pointer;font-weight:600;padding:14px 0;list-style-position:outside}.faq p{color:var(--mute)}
.src{max-width:1160px;margin:0 auto;padding:24px 16px 40px;font-size:.88rem;color:var(--mute)}.src h2{font-size:1.1rem}.src a{color:var(--mute)}
/* tables */
.cmp{border-collapse:collapse;width:100%;background:var(--card);border-radius:12px;overflow:hidden;margin:1em 0;font-size:.97rem}
.cmp th,.cmp td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.cmp thead th{background:var(--brand);color:#fff;font-weight:600}
@media (prefers-color-scheme:dark){.cmp thead th{color:#121714}}
.tblwrap{overflow-x:auto;margin:1em 0}.cmp.wide{min-width:680px}
/* forms and calculators */
.two{display:grid;gap:18px}@media (min-width:900px){.two{grid-template-columns:1fr 1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:var(--shadow);min-width:0}
.fields{display:grid;gap:0 14px}@media (min-width:560px){.fields{grid-template-columns:1fr 1fr}.fields .full{grid-column:1/-1}}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:4px}
input,select,textarea{width:100%;font:inherit;color:var(--ink);background:var(--bg);border:1.5px solid var(--line);border-radius:10px;padding:.6em .7em;min-height:44px}
input:focus,select:focus,textarea:focus,summary:focus-visible,a:focus-visible,.btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.hp{position:absolute;left:-5000px}
.calcgrid{display:grid;gap:18px}@media (min-width:900px){.calcgrid{grid-template-columns:1fr 1fr}}
.calc{display:grid;gap:0 12px;grid-template-columns:1fr 1fr}.calc p{margin-bottom:.8em}
.out{background:var(--good);border-radius:12px;padding:14px 16px;min-height:170px}.out b.big{display:block;font-family:"Young Serif",Georgia,serif;font-weight:400;font-size:1.9rem;line-height:1.1;color:var(--brand)}
.out ul{margin:.5em 0 0;padding-left:1.1em}.out p{margin:.3em 0}
.jump{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}.jump a{background:var(--card);border:1px solid var(--line);border-radius:999px;padding:6px 14px;text-decoration:none;font-size:.93rem;color:var(--ink)}
/* footer */
.ftr{background:#16241d;color:#d9dfd9;padding:40px 0 24px;margin-top:0}
.ftr a{color:#f6c26b}.ftr h2{font-size:1.1rem;color:#fff}.ftr ul{list-style:none;padding:0}.ftr li{margin:.35em 0}
.fgrid{display:grid;gap:24px}@media (min-width:860px){.fgrid{grid-template-columns:1.2fr 1fr 1fr}}
.legal{grid-column:1/-1;border-top:1px solid #2f4238;padding-top:16px;font-size:.82rem;color:#aab5ad}
.dock{position:fixed;bottom:0;left:0;right:0;display:grid;grid-template-columns:repeat(4,1fr);background:var(--brand);z-index:5;padding-bottom:env(safe-area-inset-bottom)}
@media (prefers-color-scheme:dark){.dock{background:#17362a}}
.dock a{color:#fff;text-decoration:none;display:flex;flex-direction:column;align-items:center;padding:8px 0;font-size:.78rem;min-height:56px;justify-content:center}
@media (min-width:900px){.dock{display:none}}
.bar{background:var(--brand);color:#eef3ef;font-size:.85rem}
@media (prefers-color-scheme:dark){.bar{background:#17362a}}
.brow{display:flex;justify-content:space-between;gap:10px;padding-top:6px;padding-bottom:6px}.brow p{margin:0}.brow a{color:#f6c26b;font-weight:600}
@media (max-width:560px){.brow p:first-child{font-size:.78rem}}