:root{--cream:#f5eedf;--ink:#25291f;--green:#273329;--rust:#913f20;--sage:#dbe4d8;--line:#bdae98;--paper:#fffaf0;--muted:#505346}*{box-sizing:border-box}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.65 system-ui,sans-serif}h1,h2,h3{margin:0;line-height:1.12;color:var(--ink)}h1,h2{font-family:Georgia,serif;font-weight:500;letter-spacing:-.04em}h1{font-size:clamp(2.65rem,7vw,5.15rem);max-width:15ch}h2{font-size:clamp(2rem,4.5vw,3.4rem)}h3{font-size:1.18rem}p{margin:0}p+p{margin-top:.7rem}a{color:var(--rust);text-underline-offset:3px}a:hover{text-decoration-thickness:2px}a:focus-visible,summary:focus-visible{outline:3px solid #a25031;outline-offset:4px}.wrap{width:min(1110px,calc(100% - 64px));margin-inline:auto}.skip{position:absolute;left:1rem;top:-8em;padding:.5rem;background:white;z-index:4}.skip:focus{top:.5rem}.header{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:15px 0;border-bottom:1px solid var(--line)}.logo{display:block;width:min(182px,41vw);height:auto}.headlink{font-size:.9rem;font-weight:750}.crumb{font-size:.82rem;color:var(--muted);margin-bottom:30px}.hero{padding:41px 0 58px}.hero-grid,.worksheet{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(24px,6vw,78px);align-items:center}.eyebrow{font-size:.72rem;text-transform:uppercase;font-weight:850;letter-spacing:.15em;color:var(--rust);margin:0 0 12px}.hero em{color:var(--rust);font-weight:500}.lede{max-width:34rem;font-size:clamp(1rem,2vw,1.22rem);margin-top:19px;color:var(--muted)}.actions{margin-top:22px;display:flex;align-items:center;flex-wrap:wrap;gap:13px 20px}.button{display:inline-flex;align-items:center;min-height:44px;padding:8px 19px;border-radius:45px;text-decoration:none;font-weight:800;background:var(--green);color:var(--paper)}.button:hover{background:#465340}.jump{font-weight:750}.brief{padding:clamp(19px,4vw,35px);background:var(--sage);border-radius:16px;border:1px solid #b2beb0}.brief h2{font-size:2rem}.brief ol{margin:12px 0 0;padding-left:1.2rem}.brief li+li{margin-top:.5rem}.section{padding:clamp(42px,7vw,75px) 0}.steps{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 38px;margin:27px 0 0;padding:0;list-style:none}.steps li{padding:18px 0 0;border-top:2px solid var(--line)}.steps strong{color:var(--rust);display:block;font-size:.8rem;margin-bottom:6px}.steps p{margin-top:9px;color:var(--muted)}.band{background:var(--sage);border-block:1px solid #b2beb0}.worksheet{align-items:start}.worksheet p{margin-top:12px}.calculation{background:var(--paper);border:1px solid #b2beb0;border-radius:16px;padding:clamp(16px,3vw,28px)}.calculation dl{margin:0}.calculation dl div{display:flex;justify-content:space-between;gap:9px;padding:8px 0;border-bottom:1px solid #ddd3c0}.calculation dl div:last-child{border:none;font-weight:800}.calculation dd{margin:0;white-space:nowrap}.fine{font-size:.84rem;color:var(--muted)}.faq h2{margin-bottom:19px}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq details:last-child{border-bottom:1px solid var(--line)}summary{font-weight:800;cursor:pointer}.faq details p{margin:10px 0 0;max-width:74ch}.cta{background:var(--green);color:var(--paper)}.cta h2{color:var(--paper);max-width:24ch}.cta p:not(.eyebrow){max-width:67ch;margin-top:14px}.cta .eyebrow{color:#f3bb96}.cta a:not(.button){color:#f3bb96}.cta .button{background:#f3bb96;color:var(--ink)}.cta .button:hover{background:#ffd6b8}.footer{padding:20px 0 24px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;color:var(--muted);font-size:.85rem}.footer a{font-weight:700}@media(max-width:690px){.wrap{width:calc(100% - 36px)}.hero{padding-top:24px}.hero-grid,.worksheet,.steps{grid-template-columns:minmax(0,1fr)}.crumb{margin-bottom:20px}.steps{gap:18px}.section{padding:39px 0}.calculation dl div{font-size:.9rem}}


h1{max-width:19ch}.topic-tag{display:inline-block;color:var(--rust);font-size:.83rem;font-weight:780;margin-bottom:.7rem}
.headlinks{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.history{max-width:69ch;margin:12px 0 0;color:var(--muted)}
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.linkrow{display:flex;gap:10px 24px;align-items:center;flex-wrap:wrap}
.guide-stack{padding-block:10px 40px}.guide-group{margin-bottom:34px}.guide-group h2{margin-bottom:17px}
.guide-cards{padding:0;margin:0;list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
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