:root{--color-bg:#faf9f6;--color-surface:#fff;--color-text:#1a1f2b;--color-text-muted:#4b5563;--color-border:#e5e2da;--color-primary:#14503f;--color-primary-dark:#0d3a2d;--color-accent:#b08d57;--color-link:#14503f;--font-serif:ui-serif, Georgia, "Iowan Old Style", "Times New Roman", serif;--font-sans:ui-sans-serif, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--radius:8px;--max-width:1120px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--color-bg);color:var(--color-text);font-family:var(--font-sans);-webkit-font-smoothing:antialiased;margin:0;font-size:17px;line-height:1.6}h1,h2,h3,h4{font-family:var(--font-serif);color:var(--color-text);font-weight:700;line-height:1.2}h1{margin:0 0 .5em;font-size:clamp(2rem,4vw,2.75rem)}h2{margin:1.8em 0 .6em;font-size:1.6rem}h3{margin:1.4em 0 .5em;font-size:1.25rem}p{margin:0 0 1.1em}a{color:var(--color-link);text-decoration:underline;text-decoration-color:color-mix(in srgb, var(--color-link) 35%, transparent);text-underline-offset:2px}a:hover{text-decoration-color:var(--color-link)}.container{max-width:var(--max-width);margin:0 auto;padding:0 20px}.site-header{border-bottom:1px solid var(--color-border);background:var(--color-surface);z-index:20;position:sticky;top:0}.site-header .container{justify-content:space-between;align-items:center;padding-top:16px;padding-bottom:16px;display:flex}.brand{font-family:var(--font-serif);color:var(--color-text);letter-spacing:-.01em;font-size:1.4rem;font-weight:700;text-decoration:none}.brand span{color:var(--color-primary)}.site-nav{gap:28px;margin:0;padding:0;list-style:none;display:flex}.site-nav a{color:var(--color-text);font-size:.95rem;font-weight:500;text-decoration:none}.site-nav a:hover{color:var(--color-primary)}.hero{border-bottom:1px solid var(--color-border);padding:56px 0 40px}.hero p.lede{color:var(--color-text-muted);max-width:640px;font-size:1.15rem}.trust-badges{color:var(--color-text-muted);flex-wrap:wrap;gap:18px;margin-top:20px;font-size:.85rem;display:flex}.trust-badges span{align-items:center;gap:6px;display:inline-flex}.section{padding:48px 0}.section-title{border-bottom:2px solid var(--color-text);justify-content:space-between;align-items:baseline;margin-bottom:28px;padding-bottom:8px;display:flex}.section-title h2{margin:0}.card-grid{grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:28px;display:grid}.card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);flex-direction:column;gap:8px;padding:22px;display:flex}.card .eyebrow{text-transform:uppercase;letter-spacing:.06em;color:var(--color-accent);font-size:.75rem;font-weight:600}.card h3{margin:0;font-size:1.15rem}.card h3 a{color:inherit;text-decoration:none}.card h3 a:hover{color:var(--color-primary)}.card p{color:var(--color-text-muted);margin:0;font-size:.95rem}.article-header{border-bottom:1px solid var(--color-border);padding:40px 0 24px}.article-meta{color:var(--color-text-muted);flex-wrap:wrap;align-items:center;gap:14px;font-size:.9rem;display:flex}.breadcrumbs{color:var(--color-text-muted);margin-bottom:18px;font-size:.85rem}.breadcrumbs a{color:var(--color-text-muted)}.article-body{max-width:720px;margin:0 auto;padding:36px 20px 0}.article-body table{border-collapse:collapse;width:100%;margin:1.5em 0;font-size:.92rem}.article-body th,.article-body td{border:1px solid var(--color-border);text-align:left;padding:10px 12px}.article-body th{font-family:var(--font-sans);background:#f2f0ea}.callout{border-left:4px solid var(--color-accent);border-radius:0 var(--radius) var(--radius) 0;background:#f2f0ea;margin:1.6em 0;padding:16px 20px;font-size:.95rem}.callout strong{color:var(--color-primary-dark)}.disclaimer{color:var(--color-text-muted);border-top:1px solid var(--color-border);margin-top:40px;padding-top:20px;font-size:.85rem}.ad-slot{max-width:720px;margin:2em auto;padding:20px}.ad-slot .ad-frame{border:1px dashed var(--color-border);border-radius:var(--radius);text-align:center;color:var(--color-text-muted);text-transform:uppercase;letter-spacing:.06em;padding:24px;font-size:.75rem}.faq-item{border-bottom:1px solid var(--color-border);padding:18px 0}.faq-item h3{font-size:1.05rem;font-family:var(--font-sans);margin:0 0 8px}.faq-item p{color:var(--color-text-muted);margin:0}.calculator{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);max-width:640px;padding:28px}.calculator label{margin:16px 0 6px;font-size:.9rem;font-weight:600;display:block}.calculator select,.calculator input{border:1px solid var(--color-border);border-radius:var(--radius);width:100%;font-size:1rem;font-family:var(--font-sans);background:var(--color-bg);padding:10px 12px}.calculator button{background:var(--color-primary);color:#fff;border-radius:var(--radius);cursor:pointer;border:none;margin-top:22px;padding:12px 24px;font-size:1rem;font-weight:600}.calculator button:hover{background:var(--color-primary-dark)}.calc-result{border-radius:var(--radius);background:#f2f0ea;margin-top:24px;padding:20px;display:none}.calc-result.visible{display:block}.calc-result .range{font-family:var(--font-serif);color:var(--color-primary-dark);font-size:1.8rem;font-weight:700}.site-footer{border-top:1px solid var(--color-border);color:var(--color-text-muted);margin-top:60px;padding:40px 0;font-size:.85rem}.footer-links{flex-wrap:wrap;gap:20px;margin-bottom:16px;display:flex}.footer-links a{color:var(--color-text-muted)}@media (width<=640px){.site-nav{display:none}.article-body{padding-left:16px;padding-right:16px}}