:root{--teal:#0f4c4a;--teal-2:#14625f;--gold:#e3a72f;--gold-d:#9a6a0c;--bg:#fbf6ec;--card:#fff;--fg:#1f2a2e;--mut:#5a6568;--line:#e8dfcc;--serif:Georgia,"Iowan Old Style","Palatino Linotype",Palatino,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:80px}body{margin:0;font:17px/1.7 var(--sans);color:var(--fg);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}a{color:var(--teal-2);text-underline-offset:3px}a:hover{color:var(--gold-d)}
h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--teal);font-weight:700;letter-spacing:-.01em}
.wrap{max-width:1140px;margin:0 auto;padding:0 1.25rem}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;z-index:99;background:#fff;padding:.5rem 1rem}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,246,236,.94);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:1rem}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;font-family:var(--serif);font-size:1.3rem;color:var(--teal);white-space:nowrap}.brand b{color:var(--gold-d)}.brand img{display:block}
.site-header nav{display:flex;gap:.2rem;flex-wrap:wrap}.site-header nav a{color:var(--fg);text-decoration:none;font-size:.92rem;font-weight:500;padding:.4rem .65rem;border-radius:999px}
.site-header nav a:hover,.site-header nav a[aria-current]{background:#efe5cf;color:var(--teal)}
.nav-toggle,.burger{display:none}
@media (max-width:1000px){
 .burger{display:flex;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer;border-radius:10px}
 .burger span,.burger span:before,.burger span:after{display:block;width:22px;height:2px;background:var(--teal);position:relative;content:"";transition:.2s}
 .burger span:before{position:absolute;top:-7px}.burger span:after{position:absolute;top:7px}
 .nav-toggle{display:block;position:absolute;opacity:0;width:1px;height:1px}
 .hdr{flex-wrap:wrap}.site-header nav{display:none;flex-basis:100%;flex-direction:column;padding:.5rem 0 1rem}
 .site-header nav a{font-size:1.05rem;padding:.7rem .8rem;border-radius:10px}
 .nav-toggle:checked~nav{display:flex}.nav-toggle:checked+.burger span{background:transparent}
 .nav-toggle:checked+.burger span:before{top:0;transform:rotate(45deg)}.nav-toggle:checked+.burger span:after{top:0;transform:rotate(-45deg)}
 .nav-toggle:focus-visible+.burger{outline:3px solid var(--gold)}}
/* hero */
.hero{position:relative;min-height:clamp(420px,42vw,560px);display:flex;align-items:flex-end;color:#fff;overflow:hidden;background:var(--teal)}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:62% 55%}
.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,40,39,.65) 0%,rgba(10,40,39,.35) 45%,rgba(10,40,39,0) 75%),linear-gradient(0deg,rgba(10,40,39,.3) 0%,rgba(10,40,39,0) 35%)}
.hero-inner{position:relative;z-index:1;padding-top:2.5rem;padding-bottom:2.5rem;width:100%}
.hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.6rem);max-width:22ch;margin:.3rem 0 .8rem;text-shadow:0 2px 20px rgba(0,0,0,.3)}
.hero p{max-width:40rem;font-size:1.12rem;margin:0 0 1rem}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem!important;font-weight:700;color:var(--gold)}
.cta{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem!important}
.btn{display:inline-block;background:var(--gold);color:#1d1606;font-weight:700;text-decoration:none;padding:.8rem 1.4rem;border-radius:999px}.btn:hover{background:#f0bb4c;color:#1d1606}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7)}.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:-1.75rem;position:relative;z-index:2}
.trust div{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.2rem;box-shadow:0 8px 24px rgba(15,76,74,.08);border-top:4px solid var(--gold)}
.trust b{display:block;color:var(--teal);font-family:var(--serif);font-size:1.1rem}.trust span{color:var(--mut);font-size:.92rem}
.section-title{font-size:1.8rem;margin:3rem 0 1.2rem}
/* cards */
.hub-cards{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:1rem}
.hub-cards a{display:flex;flex-direction:column;height:100%;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.4rem;text-decoration:none;color:var(--fg);transition:transform .15s,box-shadow .15s,border-color .15s}
.hub-cards a:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(15,76,74,.12);border-color:var(--gold);color:var(--fg)}
.hub-cards h3{margin:.8rem 0 .3rem;font-size:1.25rem}.hub-cards p{margin:0 0 1rem;color:var(--mut);font-size:.95rem;flex:1}.count{font-size:.85rem;font-weight:700;color:var(--teal-2)}
.hub-icon{display:inline-flex;width:52px;height:52px;align-items:center;justify-content:center;border-radius:12px;background:#e4efe9;color:var(--teal);flex:none}
.list-cards{list-style:none;padding:0;display:grid;gap:1rem;grid-template-columns:repeat(auto-fill,minmax(320px,1fr))}
.list-cards a{display:block;height:100%;background:var(--card);border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:var(--r);padding:1.2rem 1.4rem;text-decoration:none;color:var(--fg)}
.list-cards a:hover{border-left-color:var(--gold);box-shadow:0 10px 24px rgba(15,76,74,.1);color:var(--fg)}
.list-cards h2{font-size:1.2rem;margin:.2rem 0 .5rem}.list-cards p{color:var(--mut);font-size:.95rem;margin:0 0 .8rem}
.list-cards .empty{background:var(--card);border:1px dashed var(--line);border-radius:var(--r);padding:1.2rem;color:var(--mut)}
.kicker{font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:var(--gold-d)}
.pill{display:inline-block;font-size:.8rem;font-weight:600;background:#e4efe9;color:var(--teal);padding:.2rem .65rem;border-radius:999px}
.credit{font-size:.78rem;color:var(--mut);margin-top:2.5rem}
/* breadcrumbs, hub */
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.3rem;padding:0;margin:1.5rem 0 0;font-size:.87rem;color:var(--mut)}
.crumbs li+li:before{content:"›";margin-right:.3rem;color:var(--gold-d)}.crumbs a{color:var(--mut)}
.hub-head{display:flex;gap:1rem;align-items:center;margin:1rem 0}.hub-head h1{margin:0;font-size:clamp(1.9rem,4vw,2.6rem)}.hub-head .lede{margin:.2rem 0 0}
/* article */
.article{max-width:46rem;margin:0 auto 3rem}.article-wrap .crumbs{max-width:46rem;margin-left:auto;margin-right:auto}
.article-head h1{font-size:clamp(1.9rem,4.2vw,2.7rem);margin:1rem 0 .8rem}
.lede{font-size:1.15rem;color:var(--mut);margin:0 0 1rem}
.checked{display:inline-flex;align-items:center;gap:.45rem;background:var(--teal);color:#fff;font-weight:600;font-size:.92rem;padding:.45rem 1rem .45rem .8rem;border-radius:999px;margin:0 0 1.5rem}.checked svg{color:var(--gold)}
.toc{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.3rem;margin:0 0 2rem}
.toc summary{font-weight:700;color:var(--teal);cursor:pointer;font-family:var(--serif);font-size:1.1rem}.toc ol{margin:.6rem 0 0;padding-left:1.3rem;columns:2;column-gap:2rem}.toc li{break-inside:avoid;font-size:.95rem}
@media (max-width:640px){.toc ol{columns:1}}
.prose h2{font-size:1.6rem;margin:2.5rem 0 .8rem;padding-top:.5rem;border-top:1px solid var(--line)}.prose h3{font-size:1.25rem}
.prose li{margin:.3rem 0}.prose strong{color:#111}
.prose blockquote,.callout{margin:1.5rem 0;padding:1rem 1.2rem;background:#fff6df;border:1px solid #f0d79a;border-left:5px solid var(--gold);border-radius:10px}
.prose blockquote p{margin:0}.callout.note{background:#e9f2ee;border-color:#c5dcd2;border-left-color:var(--teal);font-size:.95rem}
.callout.placeholder{background:#fff0f0;border:2px dashed #c0392b;border-left-width:6px;color:#7a1f15}
.prose table{border-collapse:separate;border-spacing:0;width:100%;font-size:.9rem;margin:1.5rem 0;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:var(--card);display:block;overflow-x:auto}
.prose th,.prose td{padding:.7rem .8rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.prose thead th{background:var(--teal);color:#fff;font-family:var(--serif);font-size:.95rem}.prose tbody tr:nth-child(even){background:#fbf8f1}.prose tbody td:first-child{font-weight:700;color:var(--teal)}.prose tr:last-child td{border-bottom:0}
.sources{margin-top:3rem;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.2rem 1.5rem}.sources h2{margin:0 0 .6rem;font-size:1.3rem}
.sources ol{margin:0;padding-left:1.3rem;font-size:.93rem}.sources li{margin:.5rem 0}.sources span{display:block;font-size:.8rem;color:var(--mut)}
/* footer */
.site-footer{background:var(--teal);color:#d7e6e1;margin-top:4rem;padding:3rem 0 1.5rem;font-size:.93rem}
.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}.site-footer h2{color:var(--gold);font-family:var(--sans);font-size:.8rem;text-transform:uppercase;letter-spacing:.12em}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.35rem 0}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{color:var(--gold)}
.brand.light{color:#fff}.brand.light b{color:var(--gold)}.fine{border-top:1px solid rgba(255,255,255,.15);margin-top:2rem;padding-top:1.2rem;font-size:.82rem;color:#b9cfc8}
@media (max-width:760px){.trust{grid-template-columns:1fr;margin-top:1rem}.foot{grid-template-columns:1fr}.hero{min-height:0;display:block}.hero-img{position:relative;display:block;height:260px;object-position:center 55%}.hero:after{display:none}.hero-inner{padding-top:1.6rem;padding-bottom:2rem}.list-cards{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}