:root{--ink:#17221d;--muted:#5e6863;--paper:#faf8f2;--card:#fff;--gold:#a87920;--gold2:#d7b763;--green:#1d3c30;--green2:#285443;--line:#ddd8ca;--shadow:0 8px 28px rgba(20,35,28,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.7}
a{color:#205b45}a:hover{color:#143d2e}.wrap{max-width:1180px;margin:auto;padding:0 22px}
header{background:rgba(250,248,242,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;backdrop-filter:blur(10px)}.navrow{display:flex;align-items:center;min-height:74px;gap:20px}.brand{white-space:nowrap;text-decoration:none;color:var(--ink);font-family:Georgia,serif;font-weight:700;font-size:1.28rem}.brand span{color:var(--gold)}
.desktopnav{display:flex;align-items:center;gap:17px;margin-left:auto}.desktopnav a{text-decoration:none;color:var(--ink);font-size:.9rem}.header-cta{white-space:nowrap;background:var(--gold);color:white!important;padding:10px 14px;border-radius:7px;font-weight:800;text-decoration:none;font-size:.86rem}
.mobile-actions{display:none;margin-left:auto;align-items:center;gap:8px}.hamb{border:1px solid var(--line);background:white;border-radius:7px;width:42px;height:40px;font-size:21px;line-height:1;cursor:pointer}.mobile-menu{display:none;background:white;border-top:1px solid var(--line);padding:10px 22px 18px}.mobile-menu.open{display:block}.mobile-menu a{display:block;padding:10px 0;text-decoration:none;border-bottom:1px solid #eee9de;color:var(--ink)}
.hero{padding:76px 0 54px;background:linear-gradient(135deg,#f5ecd4,#faf8f2 60%)}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.75rem;font-weight:850;color:#7e5d1d}.hero h1,.article h1{font-family:Georgia,serif;font-size:clamp(2.25rem,5vw,4.6rem);line-height:1.05;margin:.24em 0}.article h1{font-size:clamp(2rem,4vw,3.55rem)}.lede{font-size:1.17rem;color:var(--muted);max-width:790px}
.btn{display:inline-block;background:var(--green);color:white!important;text-decoration:none;padding:13px 18px;border-radius:7px;font-weight:800;margin:8px 8px 8px 0}.btn.gold{background:var(--gold)}.btn:hover{filter:brightness(.95)}
.section{padding:54px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:var(--shadow)}.card h2,.card h3{font-family:Georgia,serif;margin-top:0}.card a{text-decoration:none;font-weight:750}
.content-shell{max-width:1180px;margin:auto;padding:52px 22px;display:grid;grid-template-columns:minmax(0,790px) 290px;gap:48px}.article{min-width:0}.article h2{font-family:Georgia,serif;font-size:1.75rem;margin-top:2em;line-height:1.2}.article h3{font-family:Georgia,serif;font-size:1.18rem;margin-top:1.7em}.article p,.article li{font-size:1.01rem}.article ul{padding-left:1.3rem}.callout{border-left:4px solid var(--gold);background:#f4edd9;padding:18px 20px;margin:28px 0}.disclosure{font-size:.88rem;color:var(--muted);border:1px solid var(--line);padding:14px 16px;border-radius:8px;background:white}.cta{background:var(--green);color:white;border-radius:14px;padding:28px;margin:34px 0;box-shadow:var(--shadow)}.cta h2,.cta h3{margin-top:0;color:white}.cta p{color:#e7eee9}.cta .btn{background:#d3aa4f;color:#14271f!important}.small{font-size:.84rem;color:var(--muted)}.sources{font-size:.9rem;background:#fff;border:1px solid var(--line);padding:20px;border-radius:10px}.sources li{margin:.5em 0}
.sidebar{align-self:start}.sidebox{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;margin-bottom:18px;box-shadow:var(--shadow)}.sidebox h2,.sidebox h3{font-family:Georgia,serif;font-size:1.2rem;margin-top:0}.sidebox .btn{display:block;text-align:center;margin:12px 0 5px}.sidebox a:not(.btn){display:block;padding:6px 0;text-decoration:none}.experience{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px;margin:24px 0}.experience strong{color:var(--green)}
.breadcrumb{font-size:.84rem;color:var(--muted);margin-bottom:18px}.compare{width:100%;border-collapse:collapse;background:#fff}.compare th,.compare td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.compare th{background:#f1ecdf}
.sitemap-list{columns:2;column-gap:38px}.sitemap-list li{break-inside:avoid;margin:.35rem 0}
footer{background:#13271f;color:#e6e9e6;padding:42px 0;margin-top:50px}footer a{color:#efd793}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:25px}.risk{border-top:1px solid #365045;margin-top:24px;padding-top:20px;font-size:.83rem;color:#c9d0cc}
@media(max-width:900px){.desktopnav{display:none}.mobile-actions{display:flex}.content-shell{grid-template-columns:1fr;gap:10px}.sidebar{margin-top:0}.grid{grid-template-columns:1fr}.foot{grid-template-columns:1fr}.hero{padding-top:46px}.hero h1{font-size:2.6rem}.brand{font-size:1.04rem}.mobile-actions .header-cta{padding:9px 10px;font-size:.76rem}.sitemap-list{columns:1}}
@media(max-width:430px){.wrap{padding:0 14px}.navrow{gap:7px}.brand{font-size:.96rem}.mobile-actions{gap:6px}.mobile-actions .header-cta{font-size:.72rem;padding:8px 9px}.hamb{width:39px;height:38px}}

.meta{display:flex;gap:12px;flex-wrap:wrap;color:var(--muted);font-size:.84rem;margin:10px 0 20px}.takeaways{background:#eef4ef;border:1px solid #cddbcf;border-radius:12px;padding:20px 22px;margin:24px 0}.takeaways h2{margin-top:0!important;font-size:1.3rem!important}.toc{background:white;border:1px solid var(--line);border-radius:12px;padding:20px;margin:24px 0}.toc strong{display:block;margin-bottom:8px}.toc a{display:block;text-decoration:none;padding:3px 0}.faq{border-top:1px solid var(--line);padding:13px 0}.faq h3{margin:.2rem 0}.hubgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.hubcard{background:white;border:1px solid var(--line);border-radius:12px;padding:22px}.hubcard h2{margin-top:0}.updated{display:inline-flex;align-items:center;gap:6px}.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:25px 0}.journey div{background:white;border:1px solid var(--line);padding:15px;border-radius:9px;text-align:center;font-size:.9rem}.journey b{display:block;color:var(--gold);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}.note{font-size:.88rem;color:var(--muted);font-style:italic}
@media(max-width:900px){.hubgrid,.journey{grid-template-columns:1fr}}