:root{--ink:#15191D;--ink2:#2B3238;--paper:#F4F2EE;--card:#FFFFFF;--line:#DCD8CF;--muted:#5B6167;--accent:#F2B705;--accent-d:#D9A200;--green:#1E6B47;--steel:#1F272E;--steel2:#2A343C;--r:10px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink);text-underline-offset:3px}
h1,h2,h3,.disp{font-family:"Barlow Condensed",Inter,sans-serif;font-weight:700;letter-spacing:.2px;line-height:1.05;margin:0}
h1{font-size:clamp(38px,6vw,64px);text-transform:none}
h2,.h2{font-size:clamp(28px,3.6vw,40px)}
h3{font-size:22px}
p{margin:0 0 16px}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
.ico{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}
.btn svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font:600 13px/1 Inter,sans-serif;letter-spacing:1.4px;text-transform:uppercase;color:var(--green);margin-bottom:14px}
.muted{color:var(--muted)}
.center{text-align:center}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 22px;border-radius:8px;font:700 16px/1 Inter,sans-serif;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .08s,background .15s}
.btn:active{transform:translateY(1px)}
.btn-y{background:var(--accent);color:var(--ink)}.btn-y:hover{background:var(--accent-d)}
.btn-dark{background:var(--ink);color:#fff}.btn-dark:hover{background:var(--ink2)}
.btn-ghost{background:transparent;border-color:var(--ink);color:var(--ink)}.btn-ghost:hover{background:var(--ink);color:#fff}
.on-dark .btn-ghost{border-color:#fff;color:#fff}.on-dark .btn-ghost:hover{background:#fff;color:var(--ink)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
/* header */
.topbar{background:var(--steel);color:#E8E6E1;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px}
.topbar a{color:var(--accent)}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;gap:24px;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex:none}
.brand svg{width:38px;height:38px}
.brand-name{font:700 22px/1 "Barlow Condensed",sans-serif;letter-spacing:.3px}
.brand-name b{color:var(--green);font-weight:700}
.brand-sub{font-size:11px;letter-spacing:1.6px;text-transform:uppercase;color:var(--muted);margin-top:3px}
.links{display:flex;gap:4px;align-items:center;margin-left:auto}
.links>a,.dd>button{background:none;border:0;font:500 15px Inter,sans-serif;color:var(--ink);padding:10px 12px;border-radius:6px;text-decoration:none;cursor:pointer;display:flex;align-items:center;gap:4px}
.links>a:hover,.dd>button:hover,.links>a[aria-current]{background:var(--paper)}
.dd{position:relative}
.dd>button svg{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2}
.dd-menu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:10px;min-width:260px;box-shadow:0 14px 40px rgba(0,0,0,.12)}
.dd-menu.cols{columns:2;min-width:520px}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:block}
.dd-menu a{display:block;padding:7px 10px;border-radius:6px;text-decoration:none;font-size:14px;break-inside:avoid}
.dd-menu a:hover{background:var(--paper)}
.dd-menu .all{font-weight:600;color:var(--green)}
.nav-cta{display:flex;gap:10px;align-items:center}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger svg{width:28px;height:28px;stroke:var(--ink);fill:none;stroke-width:2}
.mnav{display:none;border-top:1px solid var(--line);padding:12px 20px 24px;max-height:75vh;overflow:auto;background:#fff}
.mnav.open{display:block}
.mnav a{display:block;padding:9px 0;text-decoration:none;border-bottom:1px solid #F0EDE7}
.mnav-h{font:700 13px Inter;letter-spacing:1.3px;text-transform:uppercase;color:var(--green);margin:18px 0 4px}
/* hero */
.hero{background:linear-gradient(180deg,#fff 0,var(--paper) 100%);padding:56px 0 64px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.hero h1 em{font-style:normal;color:var(--green)}
.lead{font-size:19px;color:var(--ink2);margin:18px 0 0;max-width:640px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:26px;font-size:14px;color:var(--ink2)}
.trust span{display:flex;align-items:center;gap:7px}
.trust .ico{color:var(--green)}
/* page hero */
.phero{padding:40px 0 48px;background:#fff;border-bottom:1px solid var(--line)}
.phero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center}
.phero-img img,.hero-img img{border-radius:var(--r);aspect-ratio:16/10;object-fit:cover;width:100%}
.crumbs{padding-top:16px;padding-bottom:0;font-size:13px}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px;color:var(--muted)}
.crumbs li+li:before{content:"/";margin-right:6px;color:#B5B0A6}
.crumbs a{color:var(--muted)}
.meta{display:flex;gap:16px;font-size:14px;color:var(--muted);margin-top:14px}
/* sections */
.blk{padding:72px 0}
.blk.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.blk.dark{background:var(--steel);color:#EDEBE6}
.blk.dark .eyebrow{color:var(--accent)}
.blk.dark .muted{color:#B9BDC1}
.sec-head{max-width:760px;margin-bottom:36px}
.sec-head p{margin-top:12px}
.body{padding:48px 0 24px}
.cols2{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.prose h2{font-size:clamp(26px,3vw,34px);margin:40px 0 14px}
.prose h2:first-child{margin-top:0}
.prose p,.prose li{font-size:17px;color:#262B30}
.prose ul{padding-left:20px;margin:0 0 18px}
.prose li{margin:6px 0}
.prose a{color:var(--green);font-weight:500}
.fig{margin:28px 0}
.fig img{border-radius:var(--r)}
/* side */
.side{position:sticky;top:96px;display:grid;gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card h3{margin-bottom:10px}
.card.accent{border-top:5px solid var(--accent)}
.card .btn{width:100%;margin-top:10px}
.facts{list-style:none;margin:0;padding:0;display:grid;gap:12px;font-size:14px}
.facts li{display:flex;gap:10px;align-items:flex-start}
.facts .ico{color:var(--green);margin-top:2px}
/* grids */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.svc{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--ink);transition:box-shadow .15s,transform .15s}
.svc:hover{box-shadow:0 12px 30px rgba(0,0,0,.08);transform:translateY(-2px)}
.svc img{aspect-ratio:16/9;object-fit:cover;width:100%}
.svc .in{padding:18px 20px 20px;display:flex;flex-direction:column;gap:8px;flex:1}
.svc p{margin:0;font-size:15px;color:var(--muted)}
.svc .more{margin-top:auto;padding-top:8px;font-weight:600;font-size:14px;color:var(--green);display:flex;align-items:center;gap:6px}
.tag{font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.steps.four{grid-template-columns:repeat(4,1fr)}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.step .n{font:700 44px/1 "Barlow Condensed";color:var(--accent-d)}
.step h3{margin:10px 0 8px}
.step p{margin:0;color:var(--muted)}
.blk.dark .step{background:var(--steel2);border-color:#3A464F}.blk.dark .step p{color:#C5C9CC}
.finish{position:relative;border-radius:var(--r);overflow:hidden;text-decoration:none;color:#fff;display:block}
.finish img{aspect-ratio:4/3;object-fit:cover;width:100%}
.finish span{position:absolute;left:0;right:0;bottom:0;padding:40px 16px 14px;background:linear-gradient(transparent,rgba(0,0,0,.72));font:700 21px/1.1 "Barlow Condensed"}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{display:inline-block;padding:9px 14px;border:1px solid var(--line);background:#fff;border-radius:99px;font-size:14px;text-decoration:none;color:var(--ink)}
.chip:hover{border-color:var(--ink)}
.chip.hl{background:var(--ink);color:#fff;border-color:var(--ink)}
.county-h{font:700 15px Inter;margin:22px 0 10px;color:var(--ink2)}
/* tables */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:8px 0 28px;font-size:15px}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid #ECE8E1;text-align:left;vertical-align:top}
.tbl thead th{background:var(--steel);color:#fff;font-weight:600}
.tbl td.r{white-space:nowrap;font-weight:700}
.tbl .note{display:block;font-size:13px;color:var(--muted);font-weight:400}
.tbl-wrap{overflow-x:auto;margin:8px 0 28px}
.tbl-wrap .tbl{margin:0;min-width:560px}
.src{font-size:13px;color:var(--muted);margin-top:-16px}
/* faq */
.faq{padding:56px 0}
details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:10px}
summary{cursor:pointer;padding:18px 48px 18px 20px;font-weight:600;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:20px;top:14px;font-size:24px;color:var(--green)}
details[open] summary:after{content:"–"}
details p{padding:0 20px 18px;margin:0;color:#30363B}
/* related */
.related{padding:40px 0 56px}
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.rel{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:16px 18px;background:#fff;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;font-weight:600}
.rel:hover{border-color:var(--ink)}
.rel .ico{color:var(--green)}
/* cta band */
.cta-wrap{padding:0 0 64px}
.cta-band{background:var(--steel);color:#fff;border-radius:14px;padding:40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(28px,3.4vw,38px)}
.cta-band p{margin:8px 0 0;color:#C9CDD0}
/* forms */
.form{display:grid;gap:14px}
.form .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form label{display:grid;gap:6px;font-size:14px;font-weight:600}
.form input,.form select,.form textarea{width:100%;padding:13px 14px;border:1.5px solid #CFCAC0;border-radius:8px;font:16px Inter,sans-serif;background:#fff;color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid rgba(242,183,5,.45);border-color:var(--ink)}
.form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:12.5px;color:var(--muted);line-height:1.5}
.form .consent input{width:18px;height:18px;margin-top:2px;flex:none}
.form .hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.form .btn{width:100%;padding:17px}
.form .err{color:#B3261E;font-size:14px;margin:0}
.form-card{background:#fff;border:1px solid var(--line);border-top:6px solid var(--accent);border-radius:14px;padding:26px;box-shadow:0 18px 50px rgba(21,25,29,.08)}
.form-card h2{font-size:30px;margin-bottom:6px}
.checks{display:grid;grid-template-columns:repeat(2,1fr);gap:6px 14px;font-weight:400}
.checks label{display:flex;gap:8px;align-items:center;font-weight:400}
.checks input{width:18px;height:18px}
/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-top:6px solid var(--accent);border-radius:14px;padding:26px;margin:0 0 36px}
.calc .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.calc-out{margin-top:20px;padding:20px;background:var(--steel);color:#fff;border-radius:10px;display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px}
.calc-out .big{font:700 40px/1 "Barlow Condensed"}
.calc-out small{display:block;color:#C5C9CC;font-size:13px;margin-top:6px}
/* footer */
footer.site{background:var(--steel);color:#C9CDD0;padding:56px 0 100px;font-size:14px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.foot-h{color:#fff;font:700 15px Inter;margin-bottom:12px}
.foot a{display:block;color:#C9CDD0;text-decoration:none;padding:3px 0}
.foot a:hover{color:#fff}
footer .brand-name{color:#fff}
.disclose{border-top:1px solid #3A464F;margin-top:36px;padding-top:20px;font-size:12.5px;line-height:1.6;color:#9EA4A9}
.copy{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-top:14px;font-size:12.5px;color:#9EA4A9}
.sticky{display:none}
@media (max-width:1060px){.links{display:none}.burger{display:block}.nav-cta .btn-ghost{display:none}.nav{gap:12px}.nav-cta{margin-left:auto}}
@media (max-width:900px){
 .hero-grid,.phero-grid,.cols2{grid-template-columns:minmax(0,1fr)}
 .side{position:static}
 .grid3,.steps,.steps.four,.rel-grid{grid-template-columns:1fr 1fr}
 .grid4{grid-template-columns:1fr 1fr}
 .foot-grid{grid-template-columns:1fr 1fr}
 .calc .grid{grid-template-columns:1fr 1fr}
 .phero-img{order:-1}
}
@media (max-width:620px){
 body{font-size:15.5px}
 .topbar .wrap span:last-child{display:none}
 .nav{height:64px}.brand-sub{display:none}.brand-name{font-size:19px}.brand svg{width:32px;height:32px}
 .nav-cta .btn-y{display:none}
 .grid3,.steps,.steps.four,.rel-grid,.foot-grid,.calc .grid{grid-template-columns:1fr}
 .grid4{grid-template-columns:1fr 1fr}
 .form .row2,.checks{grid-template-columns:1fr}
 .hero{padding:32px 0 40px}.blk{padding:52px 0}.lead{font-size:17px}
 .cta-band{padding:28px 22px}
 .phero-img{display:none}
 .sticky{display:grid;grid-template-columns:1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);border-top:1px solid var(--line);z-index:60}
 .sticky.two{grid-template-columns:1fr 1fr}
 .sticky .btn{padding:15px}
}