:root{--ink:#17211b;--muted:#607067;--cream:#f7f3ea;--paper:#fffdf8;--sage:#dce9df;--green:#285b43;--green2:#1d4633;--gold:#d6a85f;--line:#dfe5df;--shadow:0 20px 55px rgba(23,33,27,.12)}
*{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;color:var(--ink);background:var(--paper);line-height:1.65}a{color:var(--green2)}img{max-width:100%}
.wrap{width:min(1120px,92%);margin:auto}.narrow{width:min(790px,92%);margin:auto}
.topnote{background:var(--green2);color:white;text-align:center;padding:.55rem;font-size:.88rem}.topnote a{color:#fff}
header{position:sticky;top:0;z-index:20;background:rgba(255,253,248,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:24px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:850;letter-spacing:-.03em;font-size:1.25rem}.mark{width:34px;height:34px;border-radius:50%;background:var(--green);display:grid;place-items:center;color:white;font-weight:900}.navlinks{display:flex;gap:20px;align-items:center}.navlinks a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.94rem}.btn,.btn:visited{display:inline-block;background:var(--green);color:white;text-decoration:none;padding:.9rem 1.2rem;border-radius:999px;font-weight:800;border:0;cursor:pointer}.btn:hover{background:var(--green2)}.btn.alt{background:transparent;color:var(--green2);border:1px solid var(--green)}
.hero{padding:84px 0 62px;background:radial-gradient(circle at 80% 10%,var(--sage),transparent 35%),linear-gradient(180deg,#fffdf8,var(--cream))}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:850;font-size:.76rem;color:var(--green)}h1,h2,h3{line-height:1.1;letter-spacing:-.035em}h1{font-size:clamp(2.7rem,7vw,5.6rem);margin:.35rem 0 1rem;max-width:920px}h2{font-size:clamp(2rem,4vw,3.25rem);margin:0 0 1rem}h3{font-size:1.35rem}.lede{font-size:1.22rem;color:var(--muted);max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.trustrow{display:flex;gap:20px;flex-wrap:wrap;margin-top:38px;color:var(--muted);font-size:.92rem}.trustrow span:before{content:"✓";color:var(--green);font-weight:900;margin-right:7px}
section{padding:68px 0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.card{background:white;border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:0 8px 30px rgba(23,33,27,.04)}.card p{color:var(--muted)}.card a{font-weight:800}.soft{background:var(--cream)}.tag{display:inline-block;background:var(--sage);padding:.28rem .6rem;border-radius:999px;font-size:.78rem;font-weight:800;color:var(--green2)}.path{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:28px}.step{background:white;border:1px solid var(--line);padding:18px;border-radius:16px;font-weight:800}.step small{display:block;color:var(--muted);font-weight:600;margin-top:5px}
.article{padding:56px 0}.article h1{font-size:clamp(2.5rem,6vw,4.7rem)}.article h2{margin-top:2.6rem;font-size:2rem}.article h3{margin-top:2rem}.article p,.article li{font-size:1.06rem}.article .meta{color:var(--muted);font-size:.92rem}.toc{background:var(--cream);border-radius:18px;padding:20px 24px;margin:28px 0}.callout{border-left:5px solid var(--gold);background:#fff8e8;padding:18px 22px;border-radius:0 14px 14px 0;margin:28px 0}.money{background:var(--green2);color:white;border-radius:22px;padding:28px;margin:34px 0}.money p{color:#e6efe9}.money .btn{background:white;color:var(--green2)}.disclosure{font-size:.88rem;color:var(--muted);border-bottom:1px solid var(--line);padding:10px 0}.breadcrumbs{font-size:.86rem;color:var(--muted);padding-top:24px}.breadcrumbs a{color:var(--muted)}
footer{background:#142119;color:#e9f0eb;padding:52px 0 32px;margin-top:50px}footer a{color:#e9f0eb}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.fine{color:#aebcb3;font-size:.84rem;margin-top:32px}
.modalback{position:fixed;inset:0;background:rgba(12,22,16,.66);display:none;align-items:center;justify-content:center;padding:18px;z-index:100}.modalback.show{display:flex}.modal{position:relative;width:min(620px,100%);background:var(--paper);border-radius:26px;padding:38px;box-shadow:var(--shadow);overflow:hidden}.modal:before{content:"";position:absolute;inset:0 0 auto 0;height:8px;background:linear-gradient(90deg,var(--green),var(--gold))}.close{position:absolute;right:15px;top:14px;width:38px;height:38px;border:0;border-radius:50%;background:var(--cream);font-size:1.35rem;cursor:pointer}.modal h2{font-size:2.35rem;margin:.35rem 0 .8rem}.modal p{color:var(--muted)}.modal .mini{font-size:.8rem;margin-top:14px}
@media(max-width:800px){.navlinks{display:none}.grid3,.grid2,.path,.foot{grid-template-columns:1fr}.hero{padding-top:58px}.modal{padding:30px 24px}.modal h2{font-size:1.9rem}}