:root {
    --ink: #17232d;
    --muted: #52616c;
    --soft-ink: #72808b;
    --paper: #fcfdfd;
    --canvas: #f3f7f5;
    --surface: #ffffff;
    --line: #d7e1dc;
    --line-strong: #b8c9c0;
    --brand: #075f53;
    --brand-dark: #06443d;
    --brand-pale: #dceee8;
    --accent: #d99a3e;
    --accent-pale: #fff4df;
    --danger-pale: #fff0eb;
    --shadow: 0 12px 30px rgba(20, 43, 37, .08);
    --radius-lg: 1.25rem;
    --radius-md: .8rem;
    --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    --serif: Iowan Old Style, Palatino Linotype, Book Antiqua, Georgia, serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; min-width: 20rem; color: var(--ink); background: var(--paper); font-family: var(--sans); font-size: 1rem; line-height: 1.6; }
img { max-width: 100%; height: auto; }
a { color: var(--brand); text-decoration-thickness: .08em; text-underline-offset: .16em; }
a:hover { color: var(--brand-dark); }
button, input { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--ink); line-height: 1.12; letter-spacing: -.03em; }
h1 { font-family: var(--serif); font-size: clamp(2.65rem, 6vw, 5.65rem); font-weight: 500; }
h2 { font-family: var(--serif); font-size: clamp(1.85rem, 3.4vw, 3rem); font-weight: 500; }
h3 { font-size: 1.09rem; }
code { padding: .15em .38em; border-radius: .3rem; background: #e9f0ed; color: var(--brand-dark); font-family: ui-monospace, SFMono-Regular, Consolas, monospace; font-size: .9em; }

.container { width: min(100% - 2.5rem, 74rem); margin-inline: auto; }
.narrow { width: min(100% - 2.5rem, 48rem); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; }
.skip-link { position: fixed; top: .75rem; left: .75rem; z-index: 50; padding: .65rem .9rem; transform: translateY(-180%); border-radius: .35rem; background: var(--ink); color: #fff; }
.skip-link:focus { transform: translateY(0); }
.site-notice { padding: .38rem 1rem; background: var(--ink); color: #dceae5; text-align: center; font-size: .77rem; letter-spacing: .025em; }
.site-header { position: relative; z-index: 10; border-bottom: 1px solid var(--line); background: rgba(252, 253, 253, .97); }
.header-inner { display: flex; min-height: 5.2rem; align-items: center; justify-content: space-between; gap: 1.75rem; }
.site-brand { display: inline-flex; align-items: center; gap: .68rem; color: var(--ink); font-size: .93rem; font-weight: 700; line-height: 1.1; text-decoration: none; }
.site-brand:hover { color: var(--ink); }
.brand-mark { display: grid; width: 2rem; height: 2rem; place-items: center; border-radius: 50%; background: var(--brand); color: #fff; font-family: var(--serif); font-size: 1.25rem; font-weight: 700; }
.site-nav { display: flex; align-items: center; }
.site-nav ul { display: flex; align-items: center; gap: 1.1rem; margin: 0; padding: 0; list-style: none; }
.site-nav a { color: var(--muted); font-size: .85rem; font-weight: 650; text-decoration: none; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--brand); }
.nav-toggle { display: none; border: 1px solid var(--line-strong); border-radius: .4rem; background: var(--surface); color: var(--ink); padding: .45rem .65rem; cursor: pointer; }

.hero { overflow: hidden; padding: clamp(4.2rem, 9vw, 8.5rem) 0 clamp(3.75rem, 7vw, 6.5rem); background: var(--canvas); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(19rem, .7fr); align-items: center; gap: clamp(2rem, 7vw, 7rem); }
.hero-copy h1 { max-width: 11ch; margin-bottom: 1.25rem; }
.hero-lede { max-width: 42rem; color: var(--muted); font-size: clamp(1.12rem, 2vw, 1.35rem); line-height: 1.62; }
.eyebrow { margin-bottom: .8rem; color: var(--brand); font-size: .73rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.independent-label { display: inline-flex; gap: .5rem; align-items: center; margin: 1.4rem 0 0; color: var(--brand-dark); font-size: .86rem; font-weight: 700; }
.independent-label span { color: var(--accent); }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.75rem; }
.button { display: inline-flex; min-height: 2.9rem; align-items: center; justify-content: center; gap: .45rem; border: 1px solid transparent; border-radius: .45rem; padding: .65rem 1rem; font-size: .91rem; font-weight: 750; line-height: 1.2; text-align: center; text-decoration: none; transition: transform .18s ease, background-color .18s ease, border-color .18s ease; }
.button:hover { transform: translateY(-1px); }
.button-primary { background: var(--brand); color: #fff; }
.button-primary:hover { background: var(--brand-dark); color: #fff; }
.button-secondary { border-color: var(--line-strong); background: transparent; color: var(--brand-dark); }
.button-secondary:hover { border-color: var(--brand); background: #eff7f4; color: var(--brand-dark); }
.hero-panel { position: relative; padding: clamp(1.5rem, 4vw, 2.3rem); border: 1px solid var(--line-strong); border-radius: var(--radius-lg); background: var(--surface); box-shadow: var(--shadow); }
.hero-panel::before { position: absolute; top: -1px; left: 2rem; width: 3.8rem; height: 3px; background: var(--accent); content: ""; }
.hero-panel h2 { margin-bottom: 1.4rem; font-size: clamp(1.6rem, 2.5vw, 2.2rem); }
.panel-label, .note-kicker { margin-bottom: .6rem; color: var(--soft-ink); font-size: .71rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.check-list { display: grid; gap: 1.15rem; margin: 0; padding: 0; list-style: none; }
.check-list li { display: grid; grid-template-columns: 2.35rem 1fr; gap: .6rem; align-items: start; color: var(--muted); font-size: .93rem; }
.check-list span { color: var(--brand); font-size: .75rem; font-weight: 800; }

.section { padding: clamp(4rem, 8vw, 7rem) 0; }
.section-tight { padding: clamp(2.7rem, 5vw, 4.5rem) 0; }
.section-muted { background: #f4f7f5; }
.section-accent { background: var(--brand-dark); }
.section-accent h2, .section-accent h3, .section-accent p, .section-heading--light .eyebrow { color: #fff; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 2.1rem; }
.section-heading > p { max-width: 28rem; margin: 0; color: var(--muted); }
.section-heading h2 { margin-bottom: 0; }
.split-layout { display: grid; grid-template-columns: minmax(15rem, .85fr) minmax(22rem, 1.15fr); gap: clamp(2.4rem, 7vw, 7rem); align-items: start; }
.split-layout--faq { align-items: center; }
.split-layout > div > p:not(.eyebrow) { color: var(--muted); }
.steps-list { display: grid; gap: 1.25rem; margin: 0; padding: 0; list-style: none; }
.steps-list li { display: grid; grid-template-columns: 2.6rem 1fr; gap: .9rem; padding-bottom: 1.2rem; border-bottom: 1px solid var(--line); }
.steps-list li:last-child { padding-bottom: 0; border-bottom: 0; }
.steps-list h3 { margin: .1rem 0 .3rem; }
.steps-list p { margin: 0; color: var(--muted); font-size: .93rem; }
.step-number { display: grid; width: 2.25rem; height: 2.25rem; place-items: center; border-radius: 50%; background: var(--brand-pale); color: var(--brand-dark); font-weight: 800; }
.reading-copy { font-size: 1.04rem; }
.reading-copy p { color: var(--muted); }
.text-link { display: inline-flex; gap: .35rem; align-items: center; margin-top: .4rem; font-weight: 800; text-decoration: none; }
.text-link:hover { text-decoration: underline; }
.feature-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(17rem, .56fr); gap: clamp(2rem, 8vw, 8rem); align-items: end; }
.feature-copy p:not(.eyebrow) { max-width: 43rem; color: var(--muted); font-size: 1.05rem; }
.editorial-note { padding: 1.5rem 1.6rem; border-radius: var(--radius-md); background: var(--accent-pale); }
.editorial-note p { margin-bottom: 0; color: #74501e; font-size: .93rem; }
.consider-grid { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.consider-grid article { min-height: 14rem; padding: 1.5rem; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--surface); }
.consider-grid h3 { margin: .8rem 0 .7rem; }
.consider-grid p { margin: 0; color: var(--muted); font-size: .9rem; }
.consider-number { color: var(--brand); font-size: .78rem; font-weight: 800; }
.guide-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: .75rem; }
.guide-card { display: flex; min-height: 13rem; flex-direction: column; justify-content: space-between; padding: 1.25rem; border: 1px solid rgba(255,255,255,.22); border-radius: var(--radius-md); color: #fff; text-decoration: none; transition: background-color .18s ease, transform .18s ease; }
.guide-card:hover { transform: translateY(-2px); background: rgba(255,255,255,.08); color: #fff; }
.guide-card span { color: #b4d8ce; font-size: .75rem; font-weight: 800; }
.guide-card h3 { margin: auto 0 .3rem; color: #fff; font-family: var(--serif); font-size: 1.36rem; font-weight: 500; }
.guide-card p { margin: 0; color: #c9e1da; font-size: .85rem; line-height: 1.45; }

.referral-card { padding: clamp(1.4rem, 4vw, 2.35rem); border: 1px solid var(--line-strong); border-radius: var(--radius-lg); background: var(--surface); box-shadow: var(--shadow); }
.referral-card--pending { border-color: #dfb879; background: #fffaf1; box-shadow: none; }
.referral-card h2 { margin-bottom: .55rem; font-size: clamp(1.7rem, 3vw, 2.35rem); }
.referral-card p { color: var(--muted); }
.referral-card__content > .button { margin-top: .35rem; }
.offer-status { display: flex; gap: .45rem; align-items: center; margin: 1rem 0 1.2rem; color: var(--brand-dark) !important; font-size: .86rem; font-weight: 700; }
.status-dot { width: .55rem; height: .55rem; border-radius: 50%; background: #16824d; box-shadow: 0 0 0 3px #d8f3e3; }
.offer-facts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; margin: 1.25rem 0; }
.offer-facts > div { min-height: 5.5rem; padding: 1rem; border: 1px solid var(--line); border-radius: .65rem; background: #fbfcfb; }
.offer-facts dt { margin-bottom: .28rem; color: var(--soft-ink); font-size: .73rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.offer-facts dd { margin: 0; font-weight: 700; line-height: 1.35; }
.offer-note { max-width: 52rem; font-size: .84rem; }
.offer-terms { margin-top: -.45rem; font-size: .84rem; }
.code-row { display: flex; flex-wrap: wrap; gap: .55rem; align-items: center; margin: 1rem 0; }
.code-label { color: var(--soft-ink); font-size: .78rem; font-weight: 800; text-transform: uppercase; }
.code-row code { padding: .5rem .65rem; border: 1px dashed var(--line-strong); background: #f3f8f6; font-size: 1rem; }
.copy-button { border: 1px solid var(--line-strong); border-radius: .38rem; background: #fff; padding: .43rem .65rem; color: var(--brand-dark); font-size: .83rem; font-weight: 800; cursor: pointer; }
.copy-button:hover { border-color: var(--brand); background: #f3f8f6; }
.copy-feedback { min-height: 1.3em; color: var(--brand-dark); font-size: .82rem; font-weight: 700; }
.disclosure { padding: 1rem 1.1rem; border-left: 4px solid var(--accent); background: var(--accent-pale); color: #674b26; font-size: .88rem; }
.disclosure--compact { font-size: .83rem; }

.breadcrumbs { padding-top: 1.25rem; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: .35rem; margin: 0; padding: 0; color: var(--soft-ink); list-style: none; font-size: .78rem; }
.breadcrumbs li:not(:last-child)::after { margin-left: .35rem; color: var(--line-strong); content: "/"; }
.breadcrumbs a { color: var(--muted); }
.article-shell { padding: 0 0 clamp(3rem, 6vw, 5.5rem); }
.article-hero { padding-top: clamp(3rem, 6vw, 5.6rem); padding-bottom: clamp(2rem, 5vw, 4rem); }
.article-hero h1 { max-width: 15ch; margin-bottom: 1rem; font-size: clamp(2.55rem, 5.5vw, 4.5rem); }
.article-deck { max-width: 42rem; color: var(--muted); font-size: clamp(1.05rem, 2vw, 1.22rem); }
.article-meta { display: flex; flex-wrap: wrap; gap: .45rem .85rem; color: var(--soft-ink); font-size: .78rem; font-weight: 650; }
.article-meta span:not(:last-child)::after { margin-left: .85rem; color: var(--line-strong); content: "•"; }
.article-content > section { margin: 0 0 2.7rem; }
.article-content h2 { margin-bottom: .75rem; font-size: clamp(1.65rem, 3vw, 2.35rem); }
.article-content h3 { margin: 1.7rem 0 .5rem; }
.article-content p, .article-content li { color: var(--muted); }
.article-content a { font-weight: 700; }
.article-content ul, .article-content ol { padding-left: 1.3rem; }
.content-pending { margin-bottom: 2rem; padding: 1.15rem 1.3rem; border: 1px solid #e0ba7e; border-radius: var(--radius-md); background: #fffaf1; }
.content-pending p { margin: .3rem 0 0; color: #674b26; }
.editorial-placeholder, .pending-text { color: #8a5c28 !important; font-style: italic; }
.at-a-glance { padding: 1.45rem; border: 1px solid var(--line); border-radius: var(--radius-md); background: #f8fbfa; }
.at-a-glance h2 { margin-bottom: 1rem; }
.at-a-glance dl { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 0; }
.at-a-glance dt { color: var(--soft-ink); font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.at-a-glance dd { margin: .25rem 0 0; color: var(--muted); font-size: .9rem; }
.review-snapshot { padding: 1.5rem; border-radius: var(--radius-md); background: var(--brand-pale); }
.review-snapshot h2 { margin-bottom: .55rem; }
.review-snapshot p { margin-bottom: 0; color: var(--brand-dark); }
.source-rule { padding: .85rem 1rem; border-left: 3px solid var(--brand); background: #edf6f2; color: var(--brand-dark) !important; font-size: .88rem; }
.facts-table { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-md); }
.facts-table table { width: 100%; border-collapse: collapse; font-size: .86rem; }
.facts-table th, .facts-table td { padding: .9rem; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.facts-table thead th { background: #f3f7f5; color: var(--soft-ink); font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; }
.facts-table tbody th { min-width: 10rem; color: var(--ink); }
.facts-table tr:last-child th, .facts-table tr:last-child td { border-bottom: 0; }
.numbered-copy { display: grid; gap: .7rem; }
.faq-list { display: grid; gap: .7rem; }
.faq-item { border: 1px solid var(--line); border-radius: .55rem; background: #fff; }
.faq-item summary { padding: 1rem 3rem 1rem 1rem; color: var(--ink); font-weight: 750; cursor: pointer; }
.faq-item summary::marker { color: var(--brand); }
.faq-item > div { padding: 0 1rem 1rem; }
.faq-item p { margin: 0; font-size: .93rem; }
.faq-help { padding: 1.4rem; border-radius: var(--radius-md); background: var(--canvas); }
.faq-help p { margin-bottom: 1rem; }
.inline-links { display: flex; flex-wrap: wrap; gap: .8rem 1.25rem; }
.inline-links a { font-size: .9rem; }
.empty-state { padding: clamp(1.6rem, 4vw, 2.5rem); border: 1px dashed var(--line-strong); border-radius: var(--radius-lg); background: var(--canvas); }
.empty-state h2 { margin-bottom: .7rem; }
.empty-state p:not(.eyebrow) { max-width: 39rem; margin-bottom: 0; color: var(--muted); }
.post-list { display: grid; gap: 1rem; }
.post-card { padding: 1.4rem; border: 1px solid var(--line); border-radius: var(--radius-md); }
.post-card h2 { margin: .5rem 0; font-size: 1.6rem; }
.post-card h2 a { color: var(--ink); text-decoration: none; }
.post-card p:not(.article-meta) { color: var(--muted); }
.not-found { padding: clamp(6rem, 16vw, 12rem) 0; background: var(--canvas); }
.not-found h1 { max-width: 9ch; }
.not-found p:not(.eyebrow) { color: var(--muted); font-size: 1.1rem; }

.site-footer { padding: 3.75rem 0 1rem; border-top: 1px solid var(--line); background: #eef3f0; }
.footer-grid { display: grid; grid-template-columns: minmax(14rem, 1.4fr) repeat(2, minmax(9rem, .65fr)); gap: 2.5rem; }
.footer-brand { margin-bottom: 1rem; }
.footer-grid p { max-width: 28rem; color: var(--muted); font-size: .84rem; }
.footer-grid h2 { margin-bottom: .75rem; font-family: var(--sans); font-size: .83rem; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; }
.footer-links { display: grid; gap: .45rem; margin: 0; padding: 0; list-style: none; }
.footer-links a { color: var(--muted); font-size: .87rem; text-decoration: none; }
.footer-links a:hover { color: var(--brand); text-decoration: underline; }
.footer-bottom { margin-top: 2.5rem; padding-top: 1rem; border-top: 1px solid var(--line); }
.footer-bottom p { margin: 0; color: var(--soft-ink); font-size: .78rem; }

@media (max-width: 62rem) {
    .site-nav ul { gap: .7rem; }
    .site-nav a { font-size: .78rem; }
    .consider-grid { grid-template-columns: repeat(2, 1fr); }
    .guide-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 48rem) {
    .header-inner { min-height: 4.5rem; }
    .site-nav { position: relative; }
    .nav-toggle { display: inline-flex; }
    .site-nav ul { position: absolute; top: calc(100% + 1rem); right: 0; display: none; width: min(19rem, calc(100vw - 2.5rem)); flex-direction: column; align-items: stretch; gap: 0; padding: .55rem; border: 1px solid var(--line); border-radius: .6rem; background: #fff; box-shadow: var(--shadow); }
    .site-nav ul.is-open { display: flex; }
    .site-nav li + li { border-top: 1px solid var(--line); }
    .site-nav a { display: block; padding: .75rem; font-size: .9rem; }
    .hero-grid, .split-layout, .feature-grid { grid-template-columns: 1fr; }
    .hero-copy h1 { max-width: 12ch; }
    .hero-panel { max-width: 34rem; }
    .section-heading { display: block; }
    .section-heading > p { margin-top: .85rem; }
    .guide-grid { grid-template-columns: repeat(2, 1fr); }
    .guide-card { min-height: 11rem; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-grid > :first-child { grid-column: 1 / -1; }
    .at-a-glance dl { grid-template-columns: 1fr; gap: .85rem; }
}

@media (max-width: 34rem) {
    .container, .narrow { width: min(100% - 1.5rem, 74rem); }
    .site-notice { font-size: .69rem; }
    .site-brand { font-size: .82rem; }
    .brand-mark { width: 1.75rem; height: 1.75rem; }
    .hero { padding-top: 3.5rem; }
    .hero-actions, .hero-actions .button { width: 100%; }
    .offer-facts, .consider-grid, .guide-grid, .footer-grid { grid-template-columns: 1fr; }
    .footer-grid > :first-child { grid-column: auto; }
    .code-row { align-items: flex-start; flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}