:root{--ink:#17221d;--muted:#607069;--paper:#fbfcf8;--sage:#dfe9df;--leaf:#315f4b;--gold:#d8a84e;--line:#d9e1db;--white:#fff}
*{box-sizing:border-box}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:1.68}
a{color:var(--leaf)}.wrap{max-width:1120px;margin:auto;padding:0 22px}.top{background:#173c30;color:white;font-size:.9rem;padding:8px 0;text-align:center}
header{background:rgba(251,252,248,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{height:74px;display:flex;align-items:center;gap:28px}.brand{font-family:Georgia,serif;font-size:1.55rem;font-weight:700;text-decoration:none;color:var(--ink)}.brand span{color:var(--leaf)}nav{margin-left:auto;display:flex;gap:20px;flex-wrap:wrap}nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.92rem}
.hero{padding:76px 0 58px;background:linear-gradient(135deg,#edf3ea,#fbfcf8 60%,#f6eddc)}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.78rem;font-weight:800;color:var(--leaf)}h1,h2,h3{font-family:Georgia,serif;line-height:1.16}h1{font-size:clamp(2.5rem,6vw,4.8rem);max-width:850px;margin:.2em 0}.lead{font-size:1.22rem;color:#44544c;max-width:760px}.btn{display:inline-block;background:var(--leaf);color:white;text-decoration:none;font-weight:800;padding:14px 20px;border-radius:8px;margin:8px 8px 8px 0}.btn.alt{background:transparent;color:var(--leaf);border:1px solid var(--leaf)}
section{padding:55px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:white;border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 6px 24px rgba(23,34,29,.04)}.card h3{margin-top:4px}.card a{text-decoration:none}.article{max-width:780px;margin:auto;padding:52px 22px}.article h1{font-size:clamp(2.35rem,5vw,4rem)}.article h2{font-size:1.8rem;margin-top:2.1em}.article h3{font-size:1.3rem;margin-top:1.7em}.article p,.article li{font-size:1.04rem}.note{background:#edf3ea;border-left:4px solid var(--leaf);padding:18px 20px;margin:24px 0}.warning{background:#fff5df;border-left:4px solid var(--gold);padding:18px 20px;margin:24px 0}.disclosure{font-size:.9rem;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:18px}.byline{color:var(--muted);font-size:.92rem}.cta{background:#173c30;color:white;padding:28px;border-radius:14px;margin:34px 0}.cta a{background:white;color:#173c30}.cta p{color:#e6eee9}.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:20px}.breadcrumbs a{color:var(--muted)}
table{width:100%;border-collapse:collapse;margin:24px 0;background:white}th,td{text-align:left;padding:12px;border:1px solid var(--line);vertical-align:top}th{background:var(--sage)}
footer{background:#132b23;color:#dfe9df;padding:44px 0;margin-top:40px}footer a{color:white}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
@media(max-width:760px){nav{display:none}.grid,.foot{grid-template-columns:1fr}.hero{padding-top:50px}.article{padding-top:35px}}