:root{
  --ink:#16211e;--muted:#4a5a55;--green:#1c3d34;--green-deep:#122a24;
  --gold:#8a6428;--cream:#faf7f1;--cream-2:#f2ece1;--line:#ded6c7;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,Helvetica,Arial,sans-serif;
  --wrap:1140px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--ink);font:17px/1.68 var(--sans);overflow-x:clip;-webkit-font-smoothing:antialiased}
a{color:var(--green);text-underline-offset:3px}
img{display:block;max-width:100%}
.wrap{width:min(var(--wrap),calc(100% - 48px));margin:auto}
.narrow{max-width:800px}
h1,h2,h3{font-family:var(--serif);font-weight:400;letter-spacing:-.015em;line-height:1.15;margin:0}
h1{font-size:clamp(2.35rem,5.5vw,4rem)}
h2{font-size:clamp(1.7rem,3.5vw,2.45rem);margin:58px 0 18px}
h3{font-size:1.25rem;margin:30px 0 10px}
p{margin:0 0 1.15em}
.lede{font-size:1.16rem;color:#c6d8d1;max-width:42rem}
.eyebrow{font-size:.74rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:#d2b273;margin-bottom:1rem}
.skip{position:absolute;left:-9999px;top:0;z-index:300;background:var(--green);color:#fff;padding:12px 20px;font-weight:700}
.skip:focus{left:0}
:focus-visible{outline:3px solid #b78938;outline-offset:3px}

.btn{display:inline-block;border:1px solid transparent;border-radius:2px;padding:14px 24px;font-weight:700;font-size:.94rem;text-decoration:none;cursor:pointer}
.btn-primary{background:var(--green);color:#fff}.btn-primary:hover{background:var(--green-deep)}
.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:#6f4e1c}
.btn-ghost{border-color:var(--green);color:var(--green)}.btn-ghost:hover{background:var(--green);color:#fff}
.btn-lg{padding:17px 30px;font-size:1rem}

header{position:sticky;top:0;z-index:100;background:rgba(250,247,241,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:74px}
.brand{font-family:var(--serif);font-size:1.3rem;color:var(--green);text-decoration:none;white-space:nowrap}
.brand span{display:block;font:800 .59rem/1.2 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-top:3px}
.nav-links{display:flex;align-items:center;gap:4px;background:var(--cream-2);border:1px solid var(--line);padding:5px;border-radius:3px}
.nav-links>a,.nav-trigger{font:700 .84rem/1 var(--sans);color:var(--muted);text-decoration:none;white-space:nowrap;padding:11px 12px;border:0;background:transparent;cursor:pointer}
.nav-links>a:hover,.nav-trigger:hover{background:#fff;color:var(--green)}
.nav-drop{position:relative}.nav-trigger{display:flex;align-items:center;gap:7px}.caret{font-size:.72rem}
.nav-panel{position:absolute;top:calc(100% + 10px);left:0;width:350px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);box-shadow:0 18px 44px rgba(18,42,36,.18);padding:8px;z-index:110}
.nav-panel[hidden]{display:none}.nav-panel a{display:block;padding:11px 13px;text-decoration:none}.nav-panel a:hover{background:var(--cream-2)}
.nav-panel b{display:block;font-family:var(--serif);font-size:1rem;font-weight:400}.nav-panel span{display:block;color:var(--muted);font-size:.78rem;line-height:1.35;margin-top:2px}
.nav-cta{display:flex;align-items:center;gap:15px}.nav-phone{font-size:.9rem;font-weight:700;text-decoration:none;white-space:nowrap}

.hero{background:var(--green-deep);color:#fff;padding:72px 0 68px}.hero h1{max-width:16ch;margin-bottom:20px}.crumb{font-size:.8rem;color:#9fb8af;margin-bottom:22px}.crumb a{color:#c7d9d2}
main{padding:54px 0 0}.answer{background:var(--cream-2);border-left:4px solid var(--gold);padding:28px 30px;margin-bottom:38px}.answer p:last-child{margin:0}.answer strong{color:var(--green)}
.toc{display:flex;flex-wrap:wrap;gap:9px;margin:26px 0 12px}.toc a{border:1px solid var(--line);background:#fff;padding:9px 12px;font-size:.87rem;font-weight:700;text-decoration:none}
.callout{background:var(--green);color:#fff;padding:34px 32px;margin:40px 0}.callout h2,.callout h3{color:#fff;margin-top:0}.callout p{color:#d4e2dd}.callout p:last-child{margin-bottom:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:28px 0}.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);padding:23px}.card h3{margin:0 0 8px}.card p{color:var(--muted);font-size:.93rem;margin:0 0 13px}.card a{font-weight:700}
.table-wrap{overflow-x:auto;margin:28px 0}.data{border-collapse:collapse;width:100%;min-width:650px;background:#fff}.data th,.data td{text-align:left;vertical-align:top;padding:15px;border-bottom:1px solid var(--line)}.data th{background:var(--green);color:#fff;font-size:.76rem;letter-spacing:.08em;text-transform:uppercase}.data td:first-child{font-weight:700;color:var(--green)}
.steps{list-style:none;padding:0;margin:30px 0;counter-reset:step}.steps li{position:relative;counter-increment:step;padding:0 0 25px 58px;margin:0 0 22px;border-bottom:1px solid var(--line)}.steps li:before{content:counter(step);position:absolute;left:0;top:-4px;width:39px;height:39px;border:2px solid var(--gold);border-radius:50%;display:grid;place-items:center;font-family:var(--serif);color:var(--gold)}.steps b{display:block;font:400 1.2rem/1.3 var(--serif);color:var(--green);margin-bottom:5px}.steps p{color:var(--muted);margin:0}
.source{font-size:.82rem;color:var(--muted);border-left:3px solid var(--line);padding-left:14px}.source a{font-weight:700}
.faq{border-top:1px solid var(--line);margin-top:22px}.faq details{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;list-style:none;padding:21px 38px 21px 0;font-family:var(--serif);font-size:1.14rem;color:var(--green);position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:8px;color:var(--gold);font-family:var(--sans);font-size:1.4rem}.faq details[open] summary:after{content:"−"}.faq .a{padding:0 0 22px;color:var(--muted)}
.calculator{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);padding:28px;margin:32px 0}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field label{display:block;font-size:.82rem;font-weight:800;color:var(--green);margin-bottom:6px}.field input{width:100%;padding:13px;border:1px solid #bcb3a4;background:var(--cream);font:inherit}.calc-total{background:var(--green-deep);color:#fff;padding:25px;margin-top:20px;display:flex;align-items:end;justify-content:space-between;gap:20px}.calc-total span{color:#c9d9d3;font-size:.9rem}.calc-total strong{font:400 2.2rem/1 var(--serif)}
.cta{background:var(--cream-2);border:1px solid var(--line);padding:40px 34px;text-align:center;margin-top:56px}.cta h2{margin:0 0 12px}.cta p{max-width:38rem;margin:0 auto 23px;color:var(--muted)}.cta-actions{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.related{border-top:1px solid var(--line);padding-top:28px;margin-top:45px}.related a{display:block;padding:8px 0;font-weight:700}
footer{background:var(--green-deep);color:#9eb5ad;padding:48px 0;margin-top:68px;font-size:.85rem}footer a{color:#d4e2dd}footer strong{color:#fff}.fine{font-size:.76rem;line-height:1.55;color:#809b92;margin-top:16px}
.actionbar{display:none}

@media(max-width:1050px){.nav{flex-wrap:wrap;padding-top:11px}.brand{flex:1}.nav-phone{display:none}.nav-links{order:3;width:calc(100% + 48px);margin:0 -24px;overflow-x:auto;border-left:0;border-right:0;border-bottom:0;border-radius:0;padding:6px 24px}.nav-drop{display:contents}.nav-trigger{display:none}.nav-panel,.nav-panel[hidden]{display:contents}.nav-panel a{white-space:nowrap;font-size:.82rem;font-weight:700;padding:10px 12px}.nav-panel b{display:inline;font-family:var(--sans);font-size:inherit;font-weight:700}.nav-panel span{display:none}}
@media(max-width:760px){.wrap{width:min(100% - 32px,var(--wrap))}.nav-links{width:calc(100% + 32px);margin:0 -16px;padding:6px 10px;gap:0;overflow:visible}.nav-links>a,.nav-trigger{font-size:.75rem;padding:10px 8px}.nav-drop{display:block;position:relative}.nav-trigger{display:flex}.nav-panel[hidden]{display:none}.nav-panel:not([hidden]){display:block;position:absolute;left:auto;right:0;top:calc(100% + 8px);width:min(340px,calc(100vw - 32px));padding:8px}.nav-panel a{display:block;white-space:normal;padding:11px 13px}.nav-panel b{display:block;font-family:var(--serif);font-size:1rem;font-weight:400}.nav-panel span{display:block;font-size:.78rem;font-weight:400}.grid{grid-template-columns:1fr}.calc-grid{grid-template-columns:1fr}.hero{padding:55px 0}.actionbar{display:grid;grid-template-columns:1fr 1fr 1.3fr;position:fixed;left:0;right:0;bottom:0;z-index:150;background:var(--line);gap:1px;padding-bottom:env(safe-area-inset-bottom)}.actionbar a{min-height:56px;display:grid;place-items:center;background:var(--cream);font-weight:800;text-decoration:none}.actionbar .primary{background:var(--green);color:#fff}body{padding-bottom:58px}.calc-total{align-items:start;flex-direction:column}}
@media print{header,.actionbar,.btn,.toc{display:none!important}body{background:#fff;font-size:11pt}.wrap{width:100%}.hero{background:#fff;color:#000;padding:20px 0}.hero .lede,.crumb{color:#333}.card,.calculator,.cta{break-inside:avoid}footer{background:#fff;color:#333;border-top:1px solid #999}}