:root{--ink:#14213d;--text:#2b3245;--muted:#5b6275;--bg:#f7f4ee;--card:#fff;--line:#e4dfd4;--acc:#1f7a6f;--acc2:#e6f2ef;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65;font-size:17px}
h1,h2,h3,.brand span,.brand-f{font-family:Fraunces,Georgia,serif;color:var(--ink);line-height:1.2;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.1rem);margin:.2em 0 .4em}h2{font-size:1.6rem;margin:2rem 0 .8rem}h3{font-size:1.2rem;margin:.2rem 0 .5rem}
a{color:var(--acc)}a:hover{color:var(--ink)}:focus-visible{outline:3px solid var(--acc);outline-offset:2px;border-radius:4px}
.wrap{max-width:1080px;margin:0 auto;padding:0 1.25rem}.article{max-width:860px}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem 1rem;z-index:99}
header.site{position:sticky;top:0;z-index:10;background:rgba(247,244,238,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:68px;flex-wrap:wrap}
.brand{display:flex;gap:.6rem;align-items:center;text-decoration:none}.brand span{font-weight:700;font-size:1.2rem;display:flex;flex-direction:column;line-height:1.1}
.brand small{font-family:Inter,system-ui,sans-serif;font-size:.72rem;color:var(--muted);font-weight:500;letter-spacing:.04em;text-transform:uppercase}
header nav{display:flex;gap:.3rem}header nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem;padding:.45rem .75rem;border-radius:8px}header nav a:hover{background:var(--acc2)}
.nt,.burger{display:none}
@media(max-width:760px){.burger{display:block;cursor:pointer;font-weight:600;padding:.4rem .8rem;border:1px solid var(--line);border-radius:8px;color:var(--ink)}header nav{display:none;width:100%;flex-direction:column;padding-bottom:.8rem}.nt:checked~nav{display:flex}.nt:focus-visible+.burger{outline:3px solid var(--acc)}.nt{display:block;position:absolute;opacity:0;width:1px;height:1px}}
.disclosure{background:var(--acc2);border-bottom:1px solid #cfe5df;font-size:.88rem}.disclosure p{margin:0;padding:.55rem 0;color:var(--ink)}
main{padding-bottom:3rem}.article{padding-top:1.5rem}
.hero{padding:4.5rem 0 3rem;background:radial-gradient(1200px 400px at 80% -10%,#e2efe9,transparent),var(--bg)}
.eyebrow,.cat{text-transform:uppercase;letter-spacing:.08em;font-size:.75rem;font-weight:600;color:var(--acc);margin:0}
.lead{font-size:1.15rem;max-width:640px;color:var(--muted)}.ctas{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.6rem}
.btn{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;font-weight:600;padding:.75rem 1.3rem;border-radius:10px;border:2px solid var(--ink)}.btn:hover{background:var(--acc);border-color:var(--acc);color:#fff}
.btn.ghost{background:transparent;color:var(--ink)}.btn.ghost:hover{background:var(--ink);color:#fff}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:.5rem}.trust div{border-top:3px solid var(--acc);padding-top:.6rem}.trust .t{font-size:1.05rem;margin:.2rem 0}.trust p{margin:0;font-size:.95rem;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.1rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.4rem;display:flex;flex-direction:column;box-shadow:0 1px 2px rgba(20,33,61,.04);transition:transform .15s,box-shadow .15s}.card:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(20,33,61,.08)}
.card h3 a{color:var(--ink);text-decoration:none}.card p{margin:.2rem 0 .6rem;color:var(--muted);font-size:.95rem}.tools{font-weight:500;color:var(--ink)!important}.more{margin-top:auto;font-weight:600;text-decoration:none}
.note{font-size:.9rem;color:var(--muted);margin-top:1rem}
.how ol{padding-left:1.2rem;max-width:720px}.how li{margin:.3rem 0}
.panel{margin-top:2.5rem;background:var(--ink);color:#e9ecf3;border-radius:var(--r);padding:1.8rem;display:flex;justify-content:space-between;align-items:center;gap:1.2rem;flex-wrap:wrap}.panel h2{color:#fff;margin:0 0 .3rem}.panel p{margin:0}.panel .btn{background:var(--acc);border-color:var(--acc)}
.crumb{font-size:.88rem;margin:0;color:var(--muted)}
.tw{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r);margin:1.2rem 0}
table{border-collapse:collapse;width:100%;min-width:640px;font-size:.93rem}th{background:#f1ede4;color:var(--ink);font-weight:600}td,th{border-bottom:1px solid var(--line);padding:.8rem;text-align:left;vertical-align:top}tr:last-child td{border-bottom:0}td:first-child{font-weight:600;color:var(--ink)}
sup{font-size:.72em}sup a{text-decoration:none}
main ul li{margin:.35rem 0}
footer.site{background:var(--ink);color:#c9cfdc;font-size:.92rem;padding:2.5rem 0 1rem;margin-top:2rem}footer.site a{color:#fff}
.fgrid{display:grid;grid-template-columns:1.3fr .8fr 1.4fr;gap:2rem}.brand-f{color:#fff;font-size:1.25rem;margin:0 0 .4rem}.fh{color:#fff;font-weight:600;margin:0 0 .4rem}.small{font-size:.83rem}
.copy{border-top:1px solid #2c3a5c;margin-top:1.5rem;padding-top:1rem;font-size:.82rem}
@media(max-width:760px){.trust,.fgrid{grid-template-columns:1fr}.hero{padding:3rem 0 2rem}body{font-size:16px}}