:root{
  --ink:#0e1b2a;
  --ink-2:#22374d;
  --slate:#41586f;
  --muted:#6b7d90;
  --line:#e2e7ee;
  --line-2:#cfd8e3;
  --paper:#ffffff;
  --wash:#f6f8fb;
  --wash-2:#eef2f7;
  --accent:#a8642a;
  --accent-dark:#8a4f1f;
  --accent-wash:#fbf3ea;
  --ok:#1f6b4a;
  --warn:#8a5a12;
  --warn-wash:#fdf6e7;
  --radius:6px;
  --shadow:0 1px 2px rgba(14,27,42,.06),0 8px 24px rgba(14,27,42,.06);
  --max:1120px;
  --serif:ui-serif,Georgia,"Iowan Old Style","Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--ink-2);
  font-family:var(--sans);font-size:17px;line-height:1.68;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent-dark);text-decoration:none;border-bottom:1px solid rgba(168,100,42,.28)}
a:hover{border-bottom-color:var(--accent)}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:10px 16px;z-index:99}
.skip:focus{left:8px;top:8px}

/* header */
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;gap:28px;min-height:70px}
.brand{display:flex;flex-direction:column;gap:2px;border:0;color:var(--ink);flex:0 0 auto}
.brand b{font-family:var(--serif);font-size:21px;font-weight:600;letter-spacing:-.01em;line-height:1.1}
.brand span{font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.nav{margin-left:auto;display:flex;align-items:center;gap:22px;flex-wrap:wrap;justify-content:flex-end}
.nav a{font-size:14.5px;color:var(--ink-2);border:0;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current="page"]{border-bottom-color:var(--accent);color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--ink);color:#fff;border:1px solid var(--ink);border-radius:999px;padding:11px 20px;font-size:14.5px;font-weight:600;line-height:1.2;border-bottom:1px solid var(--ink)}
.btn:hover{background:var(--ink-2);color:#fff}
.btn-accent{background:var(--accent);border-color:var(--accent)}
.btn-accent:hover{background:var(--accent-dark);border-color:var(--accent-dark)}
.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line-2)}
.btn-ghost:hover{background:var(--wash);color:var(--ink)}
.wa-dot{width:7px;height:7px;border-radius:50%;background:#37d67a;display:inline-block}

/* disclosure */
.disclosure{background:var(--wash);border-bottom:1px solid var(--line);font-size:12.8px;color:var(--slate);line-height:1.5}
.disclosure .wrap{padding:9px 24px;display:flex;gap:10px;align-items:flex-start}
.disclosure b{color:var(--ink);font-weight:600}

/* breadcrumbs */
.crumbs{font-size:12.5px;color:var(--muted);padding:14px 0 0}
.crumbs a{color:var(--muted);border:0}
.crumbs a:hover{color:var(--accent)}
.crumbs span{margin:0 6px;opacity:.6}

/* hero */
.hero{padding:44px 0 36px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.35fr .85fr;gap:52px;align-items:start}
.eyebrow{font-size:12px;letter-spacing:.13em;text-transform:uppercase;color:var(--accent);font-weight:700;margin:0 0 14px}
h1{font-family:var(--serif);font-size:clamp(32px,4.3vw,46px);line-height:1.13;letter-spacing:-.018em;color:var(--ink);margin:0 0 18px;font-weight:600}
.lede{font-size:19px;line-height:1.6;color:var(--slate);margin:0 0 24px;max-width:60ch}
.hero-points{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:9px}
.hero-points li{position:relative;padding-left:24px;font-size:15.5px;color:var(--ink-2)}
.hero-points li:before{content:"";position:absolute;left:0;top:8px;width:10px;height:10px;border-radius:50%;border:2px solid var(--accent)}
.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.small{font-size:13.5px;color:var(--muted);line-height:1.55}
.hero-card{background:var(--wash);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.hero-card h3{margin:0 0 4px;font-family:var(--serif);font-size:19px;color:var(--ink);font-weight:600}
.hero-card p{margin:0 0 16px;font-size:13.5px;color:var(--slate)}
.hero-card dl{display:grid;grid-template-columns:auto 1fr;gap:8px 14px;margin:0;font-size:13.5px}
.hero-card dt{color:var(--muted)}
.hero-card dd{margin:0;color:var(--ink-2);font-weight:600}

/* sections */
main{display:block}
.section{padding:52px 0}
.section.wash{background:var(--wash);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:70ch;margin-bottom:28px}
h2{font-family:var(--serif);font-size:clamp(24px,3vw,31px);line-height:1.22;color:var(--ink);margin:0 0 12px;letter-spacing:-.012em;font-weight:600}
h3{font-size:19px;line-height:1.35;color:var(--ink);margin:32px 0 10px;font-weight:650}
h4{font-size:16px;color:var(--ink);margin:24px 0 8px;font-weight:650}
p{margin:0 0 18px}
ul,ol{margin:0 0 20px;padding-left:22px}
li{margin:0 0 9px}
li>ul,li>ol{margin-top:9px}
strong{color:var(--ink);font-weight:650}
hr{border:0;border-top:1px solid var(--line);margin:36px 0}
blockquote{margin:0 0 22px;padding:16px 20px;background:var(--wash);border-left:3px solid var(--accent);font-size:16px;color:var(--ink-2)}
blockquote p:last-child{margin:0}
code{font-family:var(--mono);font-size:.9em;background:var(--wash-2);padding:2px 5px;border-radius:3px}

/* prose body */
.prose{max-width:74ch}
.prose h2{margin-top:42px}
.prose h2:first-child{margin-top:0}

/* cards */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;gap:8px}
.card:hover{border-color:var(--line-2);box-shadow:var(--shadow)}
.card h3{margin:0;font-size:17.5px}
.card p{margin:0;font-size:14.5px;color:var(--slate);line-height:1.6}
.card .tag{font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);font-weight:700}
.card a.card-link{border:0;color:inherit;display:flex;flex-direction:column;gap:8px;height:100%}
.card .more{margin-top:auto;padding-top:10px;font-size:13.5px;color:var(--accent-dark);font-weight:600}

/* tables */
.table-wrap{overflow-x:auto;margin:0 0 24px;border:1px solid var(--line);border-radius:var(--radius)}
table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px}
caption{caption-side:top;text-align:left;font-size:12.5px;color:var(--muted);padding:10px 14px;background:var(--wash);border-bottom:1px solid var(--line)}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--wash);font-weight:650;color:var(--ink);font-size:13px;letter-spacing:.02em}
tbody tr:nth-child(even){background:#fcfdfe}
tbody tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}

/* callouts */
.note,.warn,.box{border-radius:var(--radius);padding:18px 20px;margin:0 0 24px;font-size:15.5px;line-height:1.65}
.note{background:var(--wash);border:1px solid var(--line);border-left:3px solid var(--ink-2)}
.warn{background:var(--warn-wash);border:1px solid #f0dfb8;border-left:3px solid var(--warn)}
.box{background:#fff;border:1px solid var(--line-2)}
.note p:last-child,.warn p:last-child,.box p:last-child{margin-bottom:0}
.note-title{display:block;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--muted);margin-bottom:7px}

/* sample */
.sample-badge{display:inline-flex;align-items:center;gap:7px;background:#fdf0dc;color:#7a4a10;border:1px solid #eed9b4;border-radius:3px;padding:5px 10px;font-size:11px;letter-spacing:.09em;text-transform:uppercase;font-weight:700}
.sample-doc{border:2px solid #e6d3ae;border-radius:var(--radius);padding:0;overflow:hidden;margin:0 0 28px;background:#fffdf9}
.sample-doc .doc-head{background:#fdf6e7;border-bottom:1px solid #eadfc6;padding:14px 20px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;align-items:center}
.sample-doc .doc-body{padding:24px 26px}
.sample-doc .doc-body p:last-child{margin:0}

/* process */
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 26px;display:grid;gap:0}
.steps li{counter-increment:s;position:relative;padding:20px 0 20px 58px;border-bottom:1px solid var(--line);margin:0}
.steps li:last-child{border-bottom:0}
.steps li:before{content:counter(s);position:absolute;left:0;top:18px;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-size:14px;font-weight:700;font-family:var(--sans)}
.steps b{display:block;color:var(--ink);font-size:16.5px;margin-bottom:3px}
.steps span{font-size:15px;color:var(--slate)}

/* faq */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:0}
.faq summary{cursor:pointer;padding:18px 34px 18px 0;font-weight:600;color:var(--ink);font-size:16.5px;position:relative;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:4px;top:15px;font-size:22px;color:var(--accent);font-weight:400}
.faq details[open] summary:after{content:"–"}
.faq details .ans{padding:0 0 20px;font-size:15.5px;color:var(--slate);max-width:72ch}
.faq details .ans p:last-child{margin:0}

/* form */
.lead{background:var(--wash);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.lead h2,.lead h3{margin-top:0}
.lead-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-size:13px;font-weight:650;color:var(--ink)}
.field .hint{font-size:12px;color:var(--muted);font-weight:400}
input,select,textarea{font-family:var(--sans);font-size:15px;color:var(--ink);background:#fff;border:1px solid var(--line-2);border-radius:4px;padding:11px 12px;width:100%}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(168,100,42,.12)}
textarea{min-height:110px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--slate);line-height:1.5}
.consent input{width:16px;height:16px;margin-top:3px;flex:0 0 auto}
.btn-submit{width:100%;margin-top:4px}
.form-note{font-size:12.5px;color:var(--muted);margin:12px 0 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* cta band */
.cta-band{background:var(--ink);color:#fff;padding:44px 0}
.cta-band h2{color:#fff;margin-bottom:8px}
.cta-band p{color:#cfdae6;margin-bottom:22px;max-width:62ch}
.cta-band .btn{background:#fff;color:var(--ink);border-color:#fff}
.cta-band .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.cta-band a{color:#fff}

/* footer */
.site-footer{background:#0b1521;color:#a9b8c8;padding:46px 0 26px;font-size:14px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px;margin-bottom:34px}
.site-footer h4{color:#fff;font-size:12px;letter-spacing:.11em;text-transform:uppercase;margin:0 0 14px;font-weight:700}
.site-footer a{color:#c3d0dd;border:0;display:block;padding:4px 0;font-size:14px}
.site-footer a:hover{color:#fff}
.site-footer p{color:#8fa2b4;font-size:13.5px;line-height:1.65;margin:0 0 12px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:12.5px;color:#8fa2b4}
.footer-disclosure{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:4px;padding:14px 16px;font-size:12.5px;color:#a9b8c8;margin:0 0 26px;line-height:1.6}

/* misc */
.kicker{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700}
.meta-row{display:flex;gap:16px;flex-wrap:wrap;font-size:12.5px;color:var(--muted);padding:0 0 22px}
.pill{display:inline-block;background:var(--wash);border:1px solid var(--line);border-radius:999px;padding:4px 11px;font-size:12px;color:var(--slate)}
.related{border-top:1px solid var(--line);margin-top:44px;padding-top:26px}
.related h2{font-size:20px;margin-bottom:14px}
.related ul{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:8px 24px}
.related a{font-size:15px}
.toc{background:var(--wash);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin:0 0 30px}
.toc p{margin:0 0 8px;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700}
.toc ol{margin:0;padding-left:18px;font-size:14.5px}
.toc li{margin:0 0 6px}

@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .g4{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .hdr{min-height:auto;padding:12px 0 0;gap:6px;display:grid;grid-template-columns:1fr auto;grid-template-areas:"brand cta" "nav nav";align-items:center}
  .brand{grid-area:brand}
  .hdr .btn{grid-area:cta;margin-left:0;padding:9px 16px;font-size:13.5px}
  .nav{grid-area:nav;margin:0;width:100%;justify-content:flex-start;gap:18px;flex-wrap:nowrap;overflow-x:auto;padding:8px 0 9px;scrollbar-width:none}
  .nav::-webkit-scrollbar{display:none}
  .nav a{white-space:nowrap;font-size:13.5px}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .lead-grid{grid-template-columns:1fr}
  .related ul{grid-template-columns:1fr}
  .hero{padding:30px 0 26px}
  .section{padding:38px 0}
  .disclosure .wrap{padding:8px 18px}
  .footer-grid{grid-template-columns:1fr;gap:24px}
}
@media print{
  .site-header,.disclosure,.cta-band,.lead,.site-footer,.related,.crumbs{display:none}
  body{font-size:11pt}
  a{color:#000;border:0}
}