:root{--ink:#16261f;--deep:#123328;--mid:#46584f;--paper:#fbf8f1;--tint:#f1ebdd;--line:#ddd4c0;--gold:#c9a24b;--goldd:#8a6a1f;--white:#fff}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
h1,h2,h3,.brand span{font-family:Georgia,"Iowan Old Style","Times New Roman",serif;font-weight:700;line-height:1.15;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5.2vw,3.7rem);margin:.2em 0 .35em}h2{font-size:clamp(1.55rem,3vw,2.1rem);margin:1.5em 0 .5em}h3{font-size:1.3rem;margin:0 0 .4em}
.block>h2:first-child,.prose>h2:first-child,.split h2:first-child{margin-top:0}
a{color:var(--goldd)}img{max-width:100%;height:auto;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:9}
.top{background:var(--deep);color:#fff;position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none}.brand span{font-size:1.32rem}
nav{display:flex;align-items:center;gap:20px}nav a{color:#e9e3d3;text-decoration:none;font-size:.96rem;white-space:nowrap}
nav a:hover,nav a[aria-current]{color:#fff;text-decoration:underline;text-underline-offset:5px;text-decoration-color:var(--gold)}
nav a.cta{background:var(--gold);color:#1c1608;padding:8px 15px;border-radius:4px;font-weight:600;text-decoration:none}
.menu{display:none;background:none;border:1px solid #7b8f85;color:#fff;padding:7px 13px;border-radius:4px;font:inherit}
.hero{background:var(--deep);color:#fff;padding:72px 0 84px}.hero .lead{color:#dcd8ca}
.kicker{text-transform:uppercase;letter-spacing:.13em;font-size:.8rem;font-weight:600;color:var(--goldd);margin:0}.hero .kicker,.pagehead .kicker{color:var(--gold)}
.lead{font-size:1.2rem;max-width:40em}
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}.top-align{align-items:start}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-block;padding:13px 22px;border-radius:4px;font:inherit;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer}
.gold{background:var(--gold);color:#1c1608}.gold:hover{background:#dbb760}.line{border-color:#a9b5ae;color:#fff}.line:hover{border-color:#fff}
.sheet{margin:0;background:#fffdf7;color:var(--ink);border-radius:6px;box-shadow:0 14px 34px rgba(0,0,0,.28);overflow:hidden;border:1px solid var(--line)}
.sheet figcaption{display:flex;justify-content:space-between;gap:12px;background:var(--tint);padding:12px 18px;font-weight:600;font-size:.95rem}.sheet figcaption span{font-weight:400;color:var(--mid);font-size:.84rem}
.sheet table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums}.sheet th{font-weight:400;text-align:left}.sheet td{text-align:right;white-space:nowrap}
.sheet th,.sheet td{padding:11px 18px;border-bottom:1px solid #eee6d4;font-size:.96rem}.sum th,.sum td{font-weight:600;border-top:2px solid var(--ink)}
.ok th,.ok td{font-weight:700;background:#e8f1e6;color:#1c5a35;border-bottom:0}
.proof{background:var(--tint);border-bottom:1px solid var(--line)}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding-top:30px;padding-bottom:30px}
.three b{display:block;font:700 1.5rem Georgia,serif}.three span{color:var(--mid)}
.block{padding-top:64px;padding-bottom:64px}.prose{max-width:760px}.split .prose{max-width:none}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:4px;padding:26px;text-decoration:none;color:inherit;display:flex;flex-direction:column}
a.card:hover{box-shadow:0 8px 22px rgba(18,51,40,.12)}.card p{flex:1;margin:0 0 14px}.card.plain p{margin:0}.card span{color:var(--goldd);font-weight:600}
.tint{background:var(--tint);padding:64px 0}.more{font-weight:600}
.ticks{list-style:none;padding:0;margin:0}.ticks li{padding:9px 0 9px 32px;position:relative;border-bottom:1px solid var(--line)}
.ticks li:before{content:"";position:absolute;left:4px;top:15px;width:14px;height:7px;border-left:3px solid var(--goldd);border-bottom:3px solid var(--goldd);transform:rotate(-45deg)}
.steps{padding-left:22px}.steps li{margin:0 0 12px}
.band{background:var(--deep);color:#fff;padding:52px 0}.band .split{grid-template-columns:1fr auto}.band h2{margin:0 0 .3em}.band p{margin:0;color:#dcd8ca}
.pagehead{background:var(--deep);color:#fff;padding:60px 0}.pagehead .lead{color:#dcd8ca;margin-bottom:0}.note{color:var(--mid);font-size:.92rem;margin-top:26px}
.shot{display:block;border:1px solid var(--line);border-radius:6px;overflow:hidden;box-shadow:0 10px 26px rgba(18,51,40,.16)}
.check ol{list-style:none;counter-reset:q;padding:0;margin:0;max-width:760px}.check li{counter-increment:q;background:#fff;border:1px solid var(--line);border-radius:4px;padding:18px 20px;margin-bottom:14px}
.check li>p{margin:0 0 10px;font-weight:600}.check li>p:before{content:counter(q) ". "}.check label{display:inline-flex;align-items:center;gap:7px;margin-right:22px;min-height:32px;cursor:pointer}
.result{max-width:760px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);padding:22px 24px;margin-top:22px}.result h2{margin:0 0 .4em}
footer{background:#0d241c;color:#c9cdc2;padding:50px 0 22px;font-size:.95rem}footer a{color:#efe7d2}footer strong{display:block;color:#fff;margin-bottom:9px}
.cols{display:grid;grid-template-columns:1.6fr 1fr 1.3fr .8fr;gap:30px}.cols div>a,.cols div>span{display:block;padding:3px 0}.cols p{margin:0 0 8px}
.legal{border-top:1px solid #2c4339;margin-top:30px;padding-top:16px;font-size:.84rem}
@media(max-width:1000px){.menu{display:block}nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--deep);flex-direction:column;align-items:flex-start;gap:0;padding:8px 24px 18px}nav.open{display:flex}nav a{padding:10px 0;width:100%;font-size:1.05rem}nav a.cta{width:auto;margin-top:8px;padding:9px 16px}}
@media(max-width:820px){.split,.cards,.cards.two,.three,.band .split{grid-template-columns:1fr}.split{gap:34px}.cols{grid-template-columns:1fr 1fr}.hero{padding:48px 0 56px}.block,.tint{padding-top:44px;padding-bottom:44px}}
@media(max-width:480px){.cols{grid-template-columns:1fr}.sheet th,.sheet td{padding:10px 13px;font-size:.9rem}}