:root{--ink:#203126;--muted:#637067;--paper:#fbfaf5;--card:#fff;--sage:#dfe8dc;--forest:#294a36;--forest2:#1b3828;--sand:#eee6d5;--line:#d8ddd5;--accent:#8a5d37;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--paper);color:var(--ink);line-height:1.68}a{color:var(--forest)}img{max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.top{background:var(--forest2);color:#fff;font-size:.86rem;text-align:center;padding:7px}
header{background:rgba(251,250,245,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;backdrop-filter:blur(8px)}.navrow{display:flex;align-items:center;min-height:72px;gap:20px}.brand{font-weight:880;text-decoration:none;color:var(--ink);letter-spacing:-.035em;font-size:1.25rem;white-space:nowrap}.brand span{color:var(--accent)}
.desktop-nav{display:flex;gap:17px;align-items:center;margin-left:auto}.desktop-nav a{text-decoration:none;font-weight:680;font-size:.92rem}.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--forest);color:#fff!important;text-decoration:none;padding:11px 15px;border-radius:8px;font-weight:820;white-space:nowrap}.header-cta{margin-left:4px}.hamb{display:none;border:0;background:transparent;font-size:1.6rem;padding:6px 0 6px 8px;color:var(--ink);cursor:pointer}.mobile-menu{display:none;border-top:1px solid var(--line);padding:10px 22px 18px}.mobile-menu.open{display:block}.mobile-menu a{display:block;padding:9px 0;text-decoration:none;font-weight:700}
.hero{padding:68px 0 52px;background:linear-gradient(135deg,var(--paper),var(--sage))}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.73rem;font-weight:850;color:var(--accent)}h1{font-size:clamp(2.3rem,5.5vw,4.6rem);line-height:1.03;letter-spacing:-.052em;margin:.16em 0 .35em}h2{font-size:clamp(1.55rem,2.8vw,2.25rem);line-height:1.17;letter-spacing:-.032em;margin:1.55em 0 .55em}h3{line-height:1.25;margin-top:1.35em}.lede{font-size:1.16rem;max-width:790px;color:#435047}.btn{display:inline-block;background:var(--forest);color:#fff!important;text-decoration:none;padding:13px 18px;border-radius:8px;font-weight:820;margin:7px 8px 7px 0}.btn.alt{background:transparent;color:var(--forest)!important;border:1px solid var(--forest)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px}.card h3{margin-top:0}.section{padding:46px 0}
.layout{max-width:var(--max);margin:auto;padding:40px 22px;display:grid;grid-template-columns:minmax(0,820px) 280px;gap:42px;align-items:start}.article{min-width:0}.article h1{font-size:clamp(2.2rem,4.7vw,3.65rem)}.meta{color:var(--muted);font-size:.9rem}.sidebar{position:static}.sidebox{background:#fff;border:1px solid var(--line);border-radius:13px;padding:18px;margin-bottom:18px}.sidebox h3{margin:0 0 8px}.sidebox a:not(.cta){display:block;padding:6px 0;text-decoration:none}
.callout{background:var(--sage);border-left:4px solid var(--forest);padding:18px 20px;margin:27px 0;border-radius:0 10px 10px 0}.money{background:#fff;border:1px solid #cbd6c9;border-radius:14px;padding:21px;margin:28px 0;box-shadow:0 8px 24px rgba(32,49,38,.055)}.money strong{font-size:1.12rem}.table-wrap{overflow:auto}table{width:100%;border-collapse:collapse;margin:20px 0;background:#fff}th,td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f0f3ed}.disclosure{font-size:.88rem;color:var(--muted);background:#f3f0e8;padding:12px 14px;border-radius:8px}.sources{font-size:.89rem;color:var(--muted);border-top:1px solid var(--line);margin-top:38px;padding-top:18px}.breadcrumbs{font-size:.85rem;margin-bottom:17px}.pill{display:inline-block;padding:5px 9px;background:var(--sand);border-radius:999px;font-size:.78rem;font-weight:750;margin-right:6px}.toc{background:#fff;border:1px solid var(--line);padding:17px;border-radius:12px;margin:24px 0}.toc a{display:block;padding:3px 0}
footer{background:var(--forest2);color:#eaf0e9;padding:42px 0;margin-top:48px}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:25px}.small{font-size:.85rem;color:#cbd7ce}
@media(max-width:850px){.desktop-nav{display:none}.navrow{gap:10px}.brand{font-size:1.02rem}.header-cta{margin-left:auto;padding:9px 11px;font-size:.86rem}.hamb{display:block}.layout{grid-template-columns:1fr;padding-top:28px}.sidebar{border-top:1px solid var(--line);padding-top:25px}.grid{grid-template-columns:1fr}.hero{padding-top:46px}.footgrid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.wrap{padding:0 14px}.navrow{padding:0}.brand{font-size:.91rem;letter-spacing:-.025em}.header-cta{font-size:.78rem;padding:8px 9px}.hamb{font-size:1.45rem;padding-left:2px}.top{font-size:.75rem}.footgrid{grid-template-columns:1fr}}

.offer-pop{position:fixed;inset:0;background:rgba(18,30,22,.58);z-index:1000;display:none;align-items:center;justify-content:center;padding:20px}.offer-pop.show{display:flex}.offer-dialog{position:relative;width:min(520px,100%);background:#fff;border-radius:16px;padding:28px;box-shadow:0 24px 80px rgba(0,0,0,.24);border:1px solid var(--line)}.offer-dialog h2{margin:0 34px 8px 0;font-size:1.65rem}.offer-dialog p{color:var(--muted);margin:0 0 18px}.pop-close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:1.7rem;line-height:1;cursor:pointer;color:var(--ink)}.pop-actions{display:flex;gap:10px;flex-wrap:wrap}.stay{border:1px solid var(--forest);background:#fff;color:var(--forest);padding:11px 15px;border-radius:8px;font-weight:800;cursor:pointer}

.updated{display:flex;gap:12px;flex-wrap:wrap;align-items:center;color:var(--muted);font-size:.86rem;margin:10px 0 18px}.updated span{display:inline-flex;align-items:center;gap:5px}
.takeaways{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:22px 0}.takeaway{background:#fff;border:1px solid var(--line);border-radius:11px;padding:14px;font-size:.92rem}.takeaway:before{content:"✓";font-weight:900;color:var(--forest);margin-right:7px}
.cluster{background:#f3f5ef;border:1px solid var(--line);border-radius:14px;padding:20px;margin:26px 0}.cluster h2,.cluster h3{margin-top:0}.cluster-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.cluster-link{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px;text-decoration:none}.cluster-link strong{display:block;color:var(--ink)}.cluster-link span{font-size:.84rem;color:var(--muted)}
.related{border-top:1px solid var(--line);margin-top:34px;padding-top:22px}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related a{background:#fff;border:1px solid var(--line);border-radius:10px;padding:13px;text-decoration:none;font-weight:750}
.faq{margin-top:34px}.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin:9px 0;padding:13px 15px}.faq summary{cursor:pointer;font-weight:800}.faq p{margin-bottom:2px}
.hubhero{padding:54px 0 32px;background:linear-gradient(135deg,var(--paper),var(--sage))}.hubstats{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}.hubstats span{background:#fff;border:1px solid var(--line);padding:7px 10px;border-radius:999px;font-size:.85rem;font-weight:750}.library{padding:35px 0}.library-section{margin-bottom:38px}.library-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.library-card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:17px}.library-card a{font-weight:800;text-decoration:none}.library-card p{font-size:.88rem;color:var(--muted);margin-bottom:0}.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;margin:24px 0}.journey a{background:#fff;border:1px solid var(--line);border-radius:11px;padding:13px;text-decoration:none}.journey small{display:block;color:var(--muted);margin-top:4px}
.source-note{font-size:.88rem;background:#f3f0e8;border-radius:9px;padding:12px 14px;margin:20px 0}
@media(max-width:850px){.takeaways,.related-grid,.library-grid{grid-template-columns:1fr}.cluster-grid{grid-template-columns:1fr}.journey{grid-template-columns:1fr 1fr}}