:root{--ink:#163e36;--muted:#5c6e65;--paper:#f8f6ef;--line:#d8dfd2;--accent:#cdeb98;--white:#fffef9;--soft:#edf0e6;color-scheme:light}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 system-ui,-apple-system,sans-serif}a{color:inherit;text-underline-offset:4px}a:hover{color:#337056}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid #a06c16;outline-offset:5px}.skip{position:absolute;top:-100px;left:20px;background:var(--white);padding:15px;z-index:10}.skip:focus{top:10px}header,footer{max-width:1240px;margin:auto;padding:30px 32px;display:flex;align-items:center;justify-content:space-between;gap:32px}header{border-bottom:1px solid var(--line)}.brand{font-size:25px;font-weight:800;text-decoration:none;letter-spacing:-1px}.brand small{display:block;font-weight:400;letter-spacing:0;font-size:11px;color:var(--muted);margin-top:3px}nav{display:flex;flex-wrap:wrap;gap:10px 23px}header nav a,footer nav a{font-size:13px;text-decoration:none}main{max-width:1240px;margin:auto;padding:20px 32px 80px}.breadcrumbs{font-size:12px;color:var(--muted);gap:10px;margin-bottom:36px}.hero{padding:38px 0 75px;max-width:960px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:11px;font-weight:750;color:var(--muted);margin-bottom:22px}h1{font:400 clamp(40px,5.8vw,76px)/1.07 Georgia,serif;letter-spacing:-.04em;margin:22px 0 28px;max-width:960px}h2{font:400 clamp(27px,3vw,40px)/1.18 Georgia,serif;letter-spacing:-.025em}h3{font-size:20px;line-height:1.35;letter-spacing:-.025em}.hero>p:not(.eyebrow),.lead{font-size:20px;line-height:1.65;max-width:720px;color:var(--muted)}.actions{display:flex;flex-wrap:wrap;align-items:center;gap:25px;margin-top:34px}.button,button{display:inline-block;background:var(--ink);color:var(--white);padding:14px 23px;border:0;border-radius:5px;text-decoration:none;font-size:14px;font-weight:650;cursor:pointer}.button:hover{background:#275748;color:white}.text-link{font-size:14px}.section{border-top:1px solid var(--line);padding-top:30px;margin-top:24px;margin-bottom:58px}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,275px),1fr));gap:20px}.card{display:block;padding:27px;background:var(--white);border:1px solid var(--line);border-radius:8px;text-decoration:none;transition:border-color .15s}.card:hover{border-color:#648473}.card>span{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}.card p{font-size:14px;color:var(--muted)}.card b{font-size:12px}.topic-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr));gap:0;margin:25px 0 42px}.topic-grid>a{padding:22px 25px 22px 0;text-decoration:none;border-bottom:1px solid var(--line)}.topic-grid>a>span{font:italic 24px Georgia,serif;color:#6e8865}.topic-grid p{font-size:14px;color:var(--muted);max-width:300px}.topic-grid h3{margin:10px 0}.offer{background:var(--ink);color:var(--white);padding:40px;border-radius:10px;margin:55px 0 0;max-width:none}.offer h2{max-width:690px;margin-top:12px}.offer p{max-width:700px}.offer .eyebrow{color:var(--accent)}.offer .button{background:var(--accent);color:var(--ink)}article{max-width:800px;margin:0 auto}article h1{font-size:clamp(37px,4.7vw,61px)}article h2{margin-top:46px;scroll-margin-top:25px}article p{overflow-wrap:anywhere}article ul{padding-left:22px}.byline{font-size:12px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:20px}.model-note{border-left:3px solid #86a861;padding:14px 20px;background:var(--soft);font-size:14px}.toc{display:block;background:var(--soft);padding:24px 30px;border-radius:7px;margin:28px 0 40px;font-size:14px}.toc ul{margin-bottom:0}.toc li{margin:6px 0}.table-scroll{overflow-x:auto;margin:26px 0;border:1px solid var(--line);border-radius:7px}table{width:100%;border-collapse:collapse;font-size:14px;text-align:left}th{background:var(--soft);font-weight:650}th,td{padding:14px 17px;border-bottom:1px solid var(--line);min-width:130px}tr:last-child td{border-bottom:0}aside:not(.offer){padding:24px;background:var(--soft);border-radius:8px;margin-top:38px;font-size:14px;overflow-wrap:anywhere}aside:not(.offer) h2{font-size:24px;margin-top:0}.steps>section{display:flex;gap:28px;border-top:1px solid var(--line);padding:24px 0}.steps h2{font-size:29px;margin-top:0}.step-number{font:italic 35px Georgia,serif;color:#748968}.steps li{margin-bottom:12px}.hero-image{width:100%;height:auto;border-radius:10px}footer{border-top:1px solid var(--line);align-items:flex-start;font-size:12px}footer strong{font-size:18px}footer p{color:var(--muted)}.preview-bar{background:#e6edd7;color:#324d31;text-align:center;padding:9px 20px;font-size:11px;letter-spacing:.02em}fieldset{border:0;padding:0}label{display:block;font-size:14px;font-weight:600;margin:18px 0}input,select,textarea{display:block;margin-top:7px;padding:12px;width:100%;font:inherit;background:var(--white);border:1px solid var(--line);border-radius:5px}button:disabled,fieldset:disabled{opacity:.65}form{max-width:580px}@media(max-width:780px){header{display:block;padding:23px}header nav{margin-top:22px;gap:10px 18px}main{padding:18px 23px 48px}.hero{padding:12px 0 35px}.hero>p:not(.eyebrow),.lead{font-size:18px}.offer{padding:25px}.offer h2{font-size:30px}footer{padding:25px;display:block}footer nav{margin-top:20px}.breadcrumbs{margin-bottom:25px}.table-scroll{max-width:100%}.steps>section{gap:16px}}@media(prefers-reduced-motion:reduce){*{transition:none!important}}

.editorial-image{margin:25px 0}.editorial-image img{display:block;width:100%;height:auto;border-radius:10px}.editorial-image figcaption{font-size:12px;color:var(--muted);margin-top:9px}.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;margin-bottom:36px}.hero-grid .hero{padding:20px 0 35px}.hero-grid h1{font-size:clamp(40px,4.7vw,65px)}.hero-grid .hero>p:not(.eyebrow){font-size:18px}@media(max-width:780px){.hero-grid{grid-template-columns:1fr;gap:0}.hero-grid .hero{padding-bottom:0}.hero-grid .editorial-image{margin-top:28px}}

/* Financial illustrations share the editorial palette; values stay selectable. */
.cost-chart{margin:2rem 0;padding:clamp(18px,4vw,32px);background:var(--soft);border:1px solid var(--ink);border-radius:6px 18px 8px 15px;box-shadow:3px 4px 0 var(--line)}
.cost-chart figcaption{font-size:1.35rem;font-weight:700;color:var(--ink);margin-bottom:1.2rem}
.cost-row{display:grid;grid-template-columns:1fr auto;gap:5px 15px;margin:16px 0}
.cost-track{grid-column:1 / -1;background:var(--paper);height:9px;border-radius:5px;overflow:hidden}
.cost-track>span{display:block;height:100%;background:var(--ink);border-radius:4px}
.cost-total{display:flex;justify-content:space-between;border-top:1px solid var(--ink);padding-top:15px;font-size:1.3rem}

.calculator label,[data-lead-form] label{display:block;margin:16px 0;font-weight:600}.calculator input,[data-lead-form] input,[data-lead-form] select,[data-lead-form] textarea{display:block;width:100%;max-width:520px;padding:12px;border:1px solid var(--line);border-radius:8px;font:inherit;background:var(--white);color:var(--ink)}.calculator output{display:block;margin:24px 0;font-size:1.2rem;line-height:1.7;font-weight:600}.calculator button,[data-lead-form] button{font:inherit;padding:12px 18px;border:1px solid var(--ink);border-radius:8px;background:var(--paper);color:var(--ink);cursor:pointer}.calculator button:disabled{opacity:.5}.calculator input:focus-visible{outline:3px solid var(--accent)}
@media print{header,footer,.preview-bar,.breadcrumbs,.calculator .actions{display:none!important}.calculator{break-inside:avoid}body{background:white;color:black}.calculator input{border:none}}
@media print{.calculator,.calculator p,.calculator h2,.calculator output,.calculator label{color:#000!important;background:#fff!important}}