:root{--primary:#315c4b;--accent:#d39b5f;--bg:#f3f4ed;--white:#ffffff;--text:#22332d;--muted:#6b7280;--max:1220px;}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.65}a{color:var(--primary);text-underline-offset:3px}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:10px;z-index:100;background:#fff;padding:8px}.site-header{position:sticky;top:0;z-index:20;background:color-mix(in srgb,var(--white) 94%,transparent);backdrop-filter:blur(10px);border-bottom:1px solid #dde2e6}.header-inner{min-height:72px;display:flex;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;color:var(--text)}.mark{width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--primary) 0 60%,var(--accent) 60%);box-shadow:0 2px 10px #0002}.site-nav{margin-left:auto;display:flex;gap:18px}.site-nav a{text-decoration:none;font-weight:650}.menu-button{display:none;margin-left:auto;background:none;border:0;font-size:24px}.hero{background:linear-gradient(135deg,var(--bg),#fff);border-bottom:1px solid #e5e7eb}.hero-grid{min-height:500px;display:grid;grid-template-columns:1.3fr .7fr;gap:50px;align-items:center;padding:76px 0}.hero h1,.article h1{font-size:clamp(2.25rem,5vw,4.8rem);line-height:1.02;letter-spacing:-.035em;margin:.2em 0}.lede{font-size:1.18rem;color:#475569;max-width:760px}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.78rem;font-weight:800;color:var(--primary)}.button{display:inline-block;background:var(--primary);color:white!important;text-decoration:none;padding:12px 18px;border-radius:10px;font-weight:800;box-shadow:0 8px 24px #0001}.hero-art{height:330px;position:relative;border-radius:28px;background:var(--primary);overflow:hidden;box-shadow:0 24px 60px #0002}.hero-art:before{content:"";position:absolute;inset:18%;border:16px solid var(--bg);border-radius:16px}.hero-art span{position:absolute;background:var(--accent);border-radius:999px}.hero-art span:nth-child(1){width:72%;height:18px;left:14%;top:22%}.hero-art span:nth-child(2){width:18px;height:72%;left:48%;top:14%}.hero-art span:nth-child(3){width:44%;height:44%;right:-10%;bottom:-10%;opacity:.65}.section{padding:72px 0}.alt{background:var(--bg)}.two{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:start}.checklist{background:#fff;padding:24px;border-radius:18px;box-shadow:0 10px 30px #0001}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.card{border:1px solid #e1e5e8;border-radius:18px;padding:24px;background:#fff;box-shadow:0 8px 24px #0000000a}.card h3{margin-top:0}.card a{text-decoration:none}.article{padding:72px 0;max-width:920px}.article section{padding:24px 0;border-bottom:1px solid #eceff1}.article h2{font-size:1.7rem;line-height:1.2}.note{border-left:5px solid var(--accent);background:var(--bg);padding:18px 20px;margin:30px 0;border-radius:0 12px 12px 0}.next{padding-top:30px}.calculator{margin:30px 0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;padding:26px;background:var(--bg);border-radius:20px}.calculator label{font-weight:700}input,select{width:100%;margin-top:7px;padding:12px;border:1px solid #cbd5e1;border-radius:9px;font:inherit;background:#fff}.result{grid-column:1/-1;padding:20px;border-radius:14px;background:#fff;border:2px solid var(--accent);font-size:1.08rem}footer{background:var(--text);color:#e5e7eb;margin-top:54px;padding:48px 0 22px}footer a{display:block;color:#fff;margin:5px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}.fine{border-top:1px solid #ffffff22;margin-top:28px;padding-top:18px;color:#bfc5cc;font-size:.9rem}.fineprint{font-size:.9rem;color:var(--muted)}
@media(max-width:820px){.hero-grid,.two,.footer-grid{grid-template-columns:1fr}.hero-grid{padding:48px 0}.hero-art{height:220px}.cards{grid-template-columns:1fr 1fr}.menu-button{display:block}.site-nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;padding:18px 24px;border-bottom:1px solid #ddd;flex-direction:column}.site-nav.open{display:flex}.calculator{grid-template-columns:1fr}}
@media(max-width:560px){.cards{grid-template-columns:1fr}.hero h1,.article h1{font-size:2.35rem}.section,.article{padding:46px 0}}