:root{
  --bg:#fbf7f1;
  --paper:#fffdf9;
  --ink:#1f1a16;
  --muted:#6f655e;
  --timber:#7a4f2a;
  --timber-dark:#4b2d18;
  --sand:#ead8c3;
  --clay:#b77945;
  --sage:#607466;
  --line:#e7d9c9;
  --shadow:0 24px 70px rgba(47,31,19,.14);
  --radius:24px;
  --radius-sm:16px;
  --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(--bg);color:var(--ink);line-height:1.65}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
a:hover{text-decoration:none}
.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}
.narrow{width:min(850px,calc(100% - 40px))}
.skip-link{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden}.skip-link:focus{left:20px;top:20px;width:auto;height:auto;background:#fff;padding:10px 16px;border-radius:8px;z-index:999}
.site-header{position:sticky;top:0;z-index:100;background:rgba(251,247,241,.86);backdrop-filter:blur(18px);border-bottom:1px solid rgba(122,79,42,.12)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:16px 0}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:-.02em}.brand small{display:block;font-size:12px;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-top:-3px}.brand-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:13px;background:linear-gradient(135deg,var(--timber),var(--clay));color:white;font-size:14px;box-shadow:0 10px 30px rgba(122,79,42,.22)}
.site-nav{display:flex;align-items:center;gap:8px;flex-wrap:wrap}.site-nav a{font-size:14px;color:#3b332c;padding:9px 12px;border-radius:999px}.site-nav a:hover{background:#f1e5d7;color:#1d130c}.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 14px;color:var(--ink)}
.hero{padding:72px 0 76px;position:relative;overflow:hidden}.home-hero:before{content:"";position:absolute;inset:-10% 0 auto 0;height:70%;background:radial-gradient(circle at 20% 20%,rgba(183,121,69,.18),transparent 30%),radial-gradient(circle at 80% 10%,rgba(96,116,102,.14),transparent 35%);z-index:-1}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:54px;align-items:center}.hero-copy h1,.page-hero h1{font-size:clamp(42px,6vw,76px);line-height:.96;letter-spacing:-.065em;margin:0 0 24px}.lead{font-size:clamp(18px,2vw,23px);color:#50473f;max-width:720px}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.16em;color:var(--timber);font-weight:800;margin:0 0 14px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--timber-dark);color:white;border:0;border-radius:999px;padding:13px 20px;font-weight:800;box-shadow:0 16px 34px rgba(75,45,24,.18);cursor:pointer}.button:hover{transform:translateY(-1px);background:#321e10}.button.ghost{background:rgba(255,255,255,.7);color:var(--timber-dark);border:1px solid var(--line);box-shadow:none}.button.light{background:#fff;color:var(--timber-dark)}
.collage{position:relative;min-height:650px}.collage img{object-fit:cover;box-shadow:var(--shadow)}.collage-main{width:76%;height:620px;border-radius:34px;margin-left:auto}.collage-small{position:absolute;border:8px solid var(--bg);border-radius:24px}.collage-small.one{width:44%;left:0;bottom:40px}.collage-small.two{width:36%;right:20px;top:30px}
.trust-strip{padding:16px 0;background:#1f1a16;color:#fff}.trust-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.trust-grid span{font-size:13px;color:#f2e6d7;position:relative;padding-left:18px}.trust-grid span:before{content:"";position:absolute;left:0;top:.75em;width:7px;height:7px;border-radius:50%;background:var(--clay)}
.section{padding:84px 0}.section-heading{max-width:820px;margin-bottom:32px}.section-heading h2,.split-grid h2,.lead-box h2,.next-guides h2,.faq-section h2{font-size:clamp(32px,4vw,54px);line-height:1.03;letter-spacing:-.045em;margin:0 0 16px}.section-heading p,.split-grid p{color:var(--muted)}
.card-grid{display:grid;gap:22px}.card-grid.four{grid-template-columns:repeat(4,1fr)}.card-grid.three{grid-template-columns:repeat(3,1fr)}.category-card,.info-card,.tool-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:26px;min-height:210px;box-shadow:0 10px 30px rgba(47,31,19,.05);transition:.2s ease}.category-card:hover,.info-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.category-card span{color:var(--clay);font-weight:900;font-size:13px}.category-card h3,.info-card h3,.tool-card h3{font-size:22px;line-height:1.15;margin:18px 0 10px}.category-card p,.info-card p,.tool-card p{color:var(--muted);margin:0}.soft{background:#f4eadf}.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}.guide-list{display:grid;gap:12px}.guide-list a{background:rgba(255,255,255,.8);border:1px solid var(--line);border-radius:16px;padding:16px 18px;font-weight:800}.guide-list a:hover{background:#fff;color:var(--timber)}.text-link{font-weight:900;color:var(--timber);border-bottom:2px solid currentColor}.tools-grid .tool-card{background:linear-gradient(180deg,#fffdf9,#f7efe7)}
.table-wrap{overflow:auto;border-radius:24px;border:1px solid var(--line);background:#fff;box-shadow:0 15px 50px rgba(47,31,19,.06)}table{width:100%;border-collapse:collapse;min-width:820px}th,td{text-align:left;padding:16px 18px;border-bottom:1px solid #eee0d2;vertical-align:top}thead th{background:#3a281b;color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.08em}tbody th{color:var(--timber-dark);font-weight:900}tbody tr:nth-child(even){background:#fbf7f1}
.feature-band{background:#221812;color:#fff}.feature-band p{color:#ead8c3}.feature-band a{color:#fff;text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:4px}.dark-card{background:linear-gradient(145deg,#3a281b,#16110d);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:32px;box-shadow:0 30px 70px rgba(0,0,0,.25)}.dark-card h3{font-size:28px;margin-top:0}.tick-list{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:10px}.tick-list li{position:relative;padding-left:30px}.tick-list li:before{content:"✓";position:absolute;left:0;top:0;color:var(--clay);font-weight:900}.topic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.topic-grid a{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;font-weight:900}.topic-grid a:hover{background:var(--timber-dark);color:#fff}.rounded-img{border-radius:34px;box-shadow:var(--shadow);height:540px;width:100%;object-fit:cover}.lead-box{background:linear-gradient(135deg,var(--timber-dark),var(--timber));color:#fff;border-radius:34px;padding:42px;display:flex;align-items:center;justify-content:space-between;gap:24px;box-shadow:var(--shadow)}.lead-box p{color:#f5e7d6;max-width:720px}.lead-box .eyebrow{color:#f3c79e}
.page-hero{padding:56px 0 64px;background:linear-gradient(180deg,#f7efe7,#fbf7f1)}.page-hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:46px;align-items:center}.hero-card-image img{height:460px;width:100%;object-fit:cover;border-radius:32px;box-shadow:var(--shadow)}.breadcrumb{display:flex;gap:10px;align-items:center;color:var(--muted);font-size:14px;margin-bottom:30px}.breadcrumb a{color:var(--timber);font-weight:800}.article-body{padding-top:60px}.prose{font-size:18px}.prose h2{font-size:clamp(28px,3vw,42px);line-height:1.08;letter-spacing:-.035em;margin:46px 0 14px}.prose p{color:#4f463f}.prose a{color:var(--timber);font-weight:800;text-decoration:underline;text-underline-offset:3px}.prose table{font-size:16px;margin:26px 0}.note,.contact-card,.calculator-panel{background:#fff;border:1px solid var(--line);border-left:6px solid var(--clay);border-radius:18px;padding:22px 24px;margin:28px 0;box-shadow:0 10px 32px rgba(47,31,19,.06)}.calculator-panel{border-left-color:var(--sage)}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:20px 0}.calc-grid label{display:grid;gap:8px;font-weight:800;color:#3b332c}.calc-grid input{border:1px solid var(--line);border-radius:12px;padding:12px 14px;font:inherit;background:#fff}.calc-result{font-weight:900;color:var(--timber-dark)}
.faq-section{background:#f7efe7}.faq-list{display:grid;gap:12px}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 22px}.faq-list summary{font-weight:900;cursor:pointer}.faq-list p{color:var(--muted)}.next-guides{background:#fffdf9}
.site-footer{background:#17110d;color:#ead8c3;padding:58px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}.footer-grid h2{font-size:14px;text-transform:uppercase;letter-spacing:.14em;color:#fff}.footer-grid a{display:block;margin:8px 0;color:#ead8c3}.footer-grid a:hover{color:#fff}.footer-brand{color:#fff}.small{font-size:13px}.footer-bottom{border-top:1px solid rgba(255,255,255,.14);display:flex;justify-content:space-between;gap:20px;padding-top:22px;margin-top:36px;font-size:13px;color:#b9aa9b}
@media (max-width:980px){.hero-grid,.page-hero-grid,.split-grid{grid-template-columns:1fr}.card-grid.four,.card-grid.three,.topic-grid,.trust-grid{grid-template-columns:repeat(2,1fr)}.collage{min-height:520px}.collage-main{height:500px;width:82%}.footer-grid{grid-template-columns:1fr 1fr}.lead-box{align-items:flex-start;flex-direction:column}}
@media (max-width:760px){.container,.narrow{width:min(100% - 28px,var(--max))}.site-nav{position:absolute;left:14px;right:14px;top:76px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:14px;display:none;box-shadow:var(--shadow)}.site-nav.open{display:grid}.menu-toggle{display:inline-flex}.hero{padding:48px 0}.hero-copy h1,.page-hero h1{font-size:44px}.card-grid.four,.card-grid.three,.topic-grid,.trust-grid,.calc-grid{grid-template-columns:1fr}.collage{min-height:auto}.collage-main{width:100%;height:430px}.collage-small{display:none}.section{padding:58px 0}.page-hero{padding:34px 0}.hero-card-image img{height:320px}.rounded-img{height:360px}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.trust-grid span{font-size:14px}.table-wrap{border-radius:16px}th,td{padding:12px}}