:root{--ink:#101c18;--ink-soft:#34443d;--pine:#14352e;--spruce:#1d4d42;--sage:#7c9a8b;--sand:#f2eade;--paper:#fbf8f1;--copper:#a2542a;--gold:#bd8a2a;--line:rgba(16,28,24,0.14);--line-strong:rgba(16,28,24,0.28);--serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,"Times New Roman",serif;--sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--mono:ui-monospace,SFMono-Regular,"SF Mono",Menlo,Consolas,"Liberation Mono",monospace;--measure:68ch;--wide:1140px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background:var(--sand);color:var(--ink);font-family:var(--sans);font-size:1.0625rem;line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}img,svg{display:block;max-width:100%}a{color:var(--spruce);text-decoration-color:var(--sage);text-underline-offset:3px}a:hover{color:var(--copper)}h1,h2,h2.as-h3,h3,h4{font-family:var(--serif);font-weight:600;letter-spacing:-.015em;line-height:1.14;margin:0 0 .6em;text-wrap:balance}h1{font-size:clamp(2.35rem,5.2vw,3.9rem);line-height:1.04}h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}h2.as-h3,h3{font-size:clamp(1.2rem,1.9vw,1.5rem);line-height:1.22}h4{font-size:1.06rem;line-height:1.3}p{margin:0 0 1.05em}ol,p,ul{max-width:var(--measure)}ol,ul{padding-left:1.15rem;margin:0 0 1.15em}li{margin-bottom:.45em}strong{font-weight:650}small{font-size:.86rem}hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}::selection{background:var(--gold);color:var(--ink)}:focus-visible{outline:2px solid var(--copper);outline-offset:3px}.shell{width:100%;max-width:var(--wide);margin:0 auto;padding:0 1.35rem}.shell-narrow{max-width:820px}.section{padding:4.2rem 0}.section--tight{padding:3rem 0}.section--dark{background:var(--pine)}.section--dark,.section--dark h2,.section--dark h2.as-h3,.section--dark h3{color:var(--paper)}.section--dark p{color:rgba(251,248,241,.82)}.section--dark a{color:var(--gold)}.section--paper{background:var(--paper)}.eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-family:var(--sans);font-size:.7rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:var(--copper);margin:0 0 1.15rem}.eyebrow:before{content:"";width:26px;height:1px;background:currentColor;display:inline-block}.section--dark .eyebrow{color:var(--gold)}.lede{font-size:1.2rem;line-height:1.55;color:var(--ink-soft)}.section--dark .lede{color:rgba(251,248,241,.88)}.rule-tight{border-top:1px solid var(--line);padding-top:2rem}.stack>*+*{margin-top:1.1rem}.measure{max-width:var(--measure)}.grid{display:grid;gap:1.15rem}.grid-2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}.grid-3{grid-template-columns:repeat(auto-fit,minmax(258px,1fr))}.grid-4{grid-template-columns:repeat(auto-fit,minmax(215px,1fr))}.split{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:3.2rem;align-items:start}@media (max-width:860px){.split{grid-template-columns:minmax(0,1fr);gap:2rem}}.site-header{position:sticky;top:0;z-index:40;background:rgba(242,234,222,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}.site-header__inner{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;min-height:72px;padding-top:.55rem;padding-bottom:.55rem}.brandmark{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;flex:none}.brandmark,.brandmark:hover{color:var(--ink)}.brandmark svg{height:40px;width:auto}.nav{display:flex;align-items:center;gap:1.35rem;flex-wrap:wrap}.nav a{color:var(--ink-soft);text-decoration:none;font-size:.9rem;font-weight:550;letter-spacing:.01em;padding:.35rem 0;border-bottom:1px solid transparent}.nav a:hover,.nav a[aria-current=page]{color:var(--ink);border-bottom-color:var(--copper)}.header-cta{display:inline-flex;align-items:center;gap:.4rem;background:var(--pine);color:var(--paper)!important;text-decoration:none;font-size:.85rem;font-weight:650;letter-spacing:.04em;text-transform:uppercase;padding:.62rem 1.05rem;border:1px solid var(--pine);border-radius:2px;white-space:nowrap}.header-cta:hover{background:var(--copper);border-color:var(--copper);color:var(--paper)}.nav-toggle{display:none}@media (max-width:1000px){.nav{gap:.9rem}.nav a{font-size:.83rem}}@media (max-width:800px){.site-header__inner{min-height:64px}.nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);padding:1rem 1.35rem 1.4rem;flex-direction:column;align-items:flex-start;gap:.15rem}.nav,.nav a{border-bottom:1px solid var(--line)}.nav a{font-size:1rem;padding:.55rem 0;width:100%}.nav-toggle:checked~.nav{display:flex}.nav-toggle-label{display:inline-flex;align-items:center;gap:.45rem;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);cursor:pointer;padding:.5rem .7rem;border:1px solid var(--line-strong);border-radius:2px}.header-cta{display:none}}@media (min-width:801px){.nav-toggle-label{display:none}}.hero{position:relative;overflow:hidden;background:radial-gradient(120% 90% at 88% 6%,rgba(124,154,139,.24),transparent 58%),linear-gradient(178deg,#f6efe3,#efe6d7 62%,#eadfcd);border-bottom:1px solid var(--line)}.hero__contours{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.5;pointer-events:none}.hero__inner{position:relative;padding-top:4.4rem;padding-bottom:4.8rem;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:3rem;align-items:center}@media (max-width:900px){.hero__inner{grid-template-columns:minmax(0,1fr);padding-top:3rem;padding-bottom:3.4rem;gap:2.2rem}}.hero h1{max-width:20ch}.hero__sub{font-size:1.16rem;color:var(--ink-soft);max-width:46ch}.hero__actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.7rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--sans);font-size:.88rem;font-weight:650;letter-spacing:.05em;text-transform:uppercase;text-decoration:none;padding:.85rem 1.4rem;border-radius:2px;border:1px solid var(--pine);background:var(--pine);cursor:pointer;transition:background .12s ease,border-color .12s ease}.btn,.btn:hover{color:var(--paper)}.btn:hover{background:var(--copper);border-color:var(--copper)}.btn--ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}.btn--ghost:hover{background:var(--ink);border-color:var(--ink);color:var(--paper)}.btn--wide{width:100%}.btn[disabled]{opacity:.55;cursor:not-allowed}.hero__facts{display:grid;gap:1px;background:var(--line);border:1px solid var(--line)}.hero__fact{background:rgba(251,248,241,.86);padding:1.15rem 1.3rem}.hero__fact dt{font-size:.68rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--copper);margin-bottom:.35rem}.hero__fact dd{margin:0;font-family:var(--serif);font-size:1.06rem;line-height:1.35;color:var(--ink)}.card{background:var(--paper);border:1px solid var(--line);padding:1.55rem 1.5rem;display:flex;flex-direction:column;border-radius:2px}.card--flush{padding:0;overflow:hidden}.card__num{font-family:var(--mono);font-size:.74rem;letter-spacing:.13em;color:var(--copper);margin-bottom:.85rem}.card h2.as-h3,.card h3{margin-bottom:.55rem}.card p{font-size:.97rem;color:var(--ink-soft);margin-bottom:.9rem}.card p:last-child{margin-bottom:0}.card a.card__link{margin-top:auto;font-size:.86rem;font-weight:650;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;color:var(--spruce);border-bottom:1px solid var(--sage);align-self:flex-start;padding-bottom:2px}.card a.card__link:hover{color:var(--copper);border-bottom-color:var(--copper)}.section--dark .card{background:rgba(251,248,241,.06);border-color:rgba(251,248,241,.16)}.section--dark .card p{color:rgba(251,248,241,.78)}.section--dark .card h2.as-h3,.section--dark .card h3{color:var(--paper)}.link-row{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.6rem}.pill{display:inline-flex;align-items:center;gap:.4rem;font-size:.82rem;font-weight:600;text-decoration:none;color:var(--ink-soft);background:rgba(251,248,241,.7);border:1px solid var(--line-strong);border-radius:999px;padding:.42rem .9rem}.pill:hover{color:var(--paper);background:var(--spruce);border-color:var(--spruce)}.section--dark .pill{background:transparent;color:var(--paper);border-color:rgba(251,248,241,.32)}.section--dark .pill:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}.speclist{list-style:none;padding:0;margin:0;border-top:1px solid var(--line)}.speclist li{display:grid;grid-template-columns:minmax(0,.36fr) minmax(0,.64fr);gap:1rem;padding:.85rem 0;border-bottom:1px solid var(--line);margin:0;font-size:.96rem}.speclist li>span:first-child{font-size:.72rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--copper);padding-top:.22rem}.section--dark .speclist,.section--dark .speclist li{border-color:rgba(251,248,241,.18)}.section--dark .speclist li>span:first-child{color:var(--gold)}.prose h2{margin-top:2.4rem}.prose h2.as-h3,.prose h3{margin-top:1.9rem}.prose li,.prose p{color:var(--ink-soft)}.prose>:first-child{margin-top:0}.callout{border-left:3px solid var(--copper);background:var(--paper);padding:1.15rem 1.35rem;margin:1.8rem 0;font-size:.98rem}.callout p:last-child{margin-bottom:0}.quick-answer{background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--gold);padding:1.35rem 1.5rem;margin:0 0 2rem}.quick-answer h2{font-family:var(--sans);font-size:.7rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:var(--copper);margin:0 0 .55rem}.quick-answer p{margin:0;font-size:1.04rem;color:var(--ink)}.checklist{list-style:none;padding:0}.checklist li{position:relative;padding-left:1.55rem;margin-bottom:.7rem}.checklist li:before{content:"";position:absolute;left:0;top:.55em;width:7px;height:7px;background:var(--copper);border-radius:50%}.muted,.tiny{color:var(--ink-soft)}.tiny{font-size:.82rem;line-height:1.55}.form-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1rem 1.1rem}.field{display:flex;flex-direction:column;gap:.35rem}.field--full{grid-column:1/-1}.field label{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft)}.field label.consent{font-size:.86rem;font-weight:400;letter-spacing:0;text-transform:none;color:var(--ink-soft);line-height:1.5}.field label .req{color:var(--copper)}.field input,.field select,.field textarea{font-family:var(--sans);font-size:1rem;color:var(--ink);background:#fffdf8;border:1px solid var(--line-strong);border-radius:2px;padding:.68rem .75rem;width:100%;min-height:44px}.field textarea{min-height:108px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--spruce);outline-offset:1px;border-color:var(--spruce)}.field .hint{font-size:.76rem;color:var(--ink-soft)}.consent{display:flex;gap:.7rem;align-items:flex-start;font-size:.86rem;line-height:1.5;color:var(--ink-soft);max-width:none}.consent input{margin-top:.28rem;width:1.05rem;height:1.05rem;flex:none;accent-color:var(--spruce)}.honeypot{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}.form-note{font-size:.8rem;color:var(--ink-soft);max-width:60ch}.form-status{padding:.9rem 1rem;font-size:.94rem;border-radius:2px;margin-top:.4rem}.form-status--ok{background:#e6efe6;border:1px solid #9dbb9d;color:#1c3f22}.form-status--err{background:#f7e7df;border:1px solid #d8a58c;color:#6d2c11}.calc{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:2.2rem;align-items:start}@media (max-width:900px){.calc{grid-template-columns:minmax(0,1fr)}}.calc__panel{background:var(--paper);border:1px solid var(--line);padding:1.7rem}.calc__result{position:sticky;top:96px;background:var(--pine);color:var(--paper);border:1px solid var(--pine);padding:1.8rem 1.7rem}@media (max-width:900px){.calc__result{position:static}}.calc__ratio{font-family:var(--serif);font-size:clamp(3rem,7vw,4.4rem);line-height:1;letter-spacing:-.02em;margin:.35rem 0 .15rem;color:var(--paper);font-variant-numeric:tabular-nums}.calc__ratio--warn{color:#f0c07a}.calc__ratio--bad{color:#e8a087}.calc__verdict{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;padding:.3rem .6rem;border:1px solid rgba(251,248,241,.4);margin-bottom:1rem}.calc__breakdown{list-style:none;padding:0;margin:1.4rem 0 0;border-top:1px solid rgba(251,248,241,.22);font-variant-numeric:tabular-nums}.calc__breakdown li{display:flex;justify-content:space-between;gap:1rem;padding:.5rem 0;border-bottom:1px solid rgba(251,248,241,.14);font-size:.93rem;margin:0;color:rgba(251,248,241,.9)}.calc__read{margin-top:1.3rem;font-size:.96rem;line-height:1.6;color:rgba(251,248,241,.92);max-width:none}.calc__read strong{color:var(--paper)}.faq-item{border-bottom:1px solid var(--line)}.faq-item summary{cursor:pointer;list-style:none;padding:1.05rem 2rem 1.05rem 0;position:relative;font-family:var(--serif);font-size:1.1rem;font-weight:600;color:var(--ink);line-height:1.35}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:.2rem;top:.85rem;font-family:var(--sans);font-size:1.25rem;font-weight:400;color:var(--copper)}.faq-item[open] summary:after{content:"–"}.faq-item__body{padding:0 0 1.15rem}.faq-item__body p:last-child{margin-bottom:0}.faq-item__body p{color:var(--ink-soft);font-size:.98rem}.site-footer{background:var(--ink);color:rgba(251,248,241,.72);padding:3.4rem 0 2.4rem;font-size:.9rem}.site-footer a{color:rgba(251,248,241,.82);text-decoration:none;border-bottom:1px solid rgba(251,248,241,.22)}.site-footer a:hover{color:var(--gold);border-bottom-color:var(--gold)}.site-footer h2{font-family:var(--sans);font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(251,248,241,.52);margin:0 0 .9rem}.footer-grid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(4,minmax(0,.75fr));gap:2.2rem}@media (max-width:900px){.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:560px){.footer-grid{grid-template-columns:minmax(0,1fr);gap:1.8rem}}.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin-bottom:.5rem}.site-footer .brandmark{color:var(--paper);margin-bottom:1rem}.site-footer .brandmark svg{height:44px}.footer-brand-copy{max-width:34ch;color:rgba(251,248,241,.68);font-size:.9rem}.disclosure{margin-top:2.6rem;padding-top:1.7rem;border-top:1px solid rgba(251,248,241,.16);font-size:.78rem;line-height:1.62;color:rgba(251,248,241,.62)}.disclosure p{max-width:none;margin-bottom:.7rem}.disclosure strong{color:rgba(251,248,241,.9);font-weight:650}.breadcrumbs{font-size:.78rem;letter-spacing:.03em;color:var(--ink-soft);padding:1.1rem 0 0}.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.4rem;max-width:none}.breadcrumbs li{margin:0;display:flex;gap:.4rem;align-items:center}.breadcrumbs li+li:before{content:"/";color:var(--sage)}.breadcrumbs a{text-decoration:none;color:var(--ink-soft)}.breadcrumbs a:hover{color:var(--copper)}.page-head{padding:2.2rem 0 3rem;border-bottom:1px solid var(--line)}.page-head h1{max-width:24ch}.page-head__meta{display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;margin-top:1.4rem;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft)}.cta-band{background:var(--spruce);color:var(--paper);padding:3.4rem 0}.cta-band__inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.6rem}.cta-band h2{color:var(--paper);margin:0 0 .4rem;font-size:clamp(1.5rem,2.6vw,2rem)}.cta-band p{margin:0;color:rgba(251,248,241,.85);max-width:52ch}.cta-band .btn{background:var(--paper);color:var(--ink);border-color:var(--paper)}.cta-band .btn:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}.toc{border-top:1px solid var(--line);padding-top:1.2rem;margin-bottom:2.4rem}.toc h2{font-family:var(--sans);font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--copper);margin-bottom:.7rem}.toc ol{margin:0;padding-left:1.1rem;font-size:.92rem}.toc li{margin-bottom:.3rem}.toc a{text-decoration:none;color:var(--ink-soft)}.toc a:hover{color:var(--copper);text-decoration:underline}.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:var(--paper);padding:.7rem 1rem;z-index:100}.skip-link:focus{left:.5rem;top:.5rem}.nf{padding-top:5rem;padding-bottom:5.5rem;text-align:center}.nf h1{max-width:none}.nf__code{font-family:var(--mono);font-size:.82rem;letter-spacing:.28em;color:var(--copper);text-transform:uppercase;margin-bottom:1.2rem}.nf .lede{margin-left:auto;margin-right:auto}.nf .hero__actions{justify-content:center}.direct-answer{padding-block:2rem;border-bottom:1px solid var(--line)}.direct-answer h2{font-size:clamp(1.65rem,3vw,2.2rem)}.direct-answer p{max-width:var(--measure);margin-bottom:0;color:var(--ink-soft)}