:root{
  --bg:#f7faf8;--paper:#fff;--ink:#17201c;--muted:#5e6b64;--line:#dfe8e2;
  --brand:#175c45;--brand2:#dceee6;--accent:#bd6b2f;--warn:#fff6df;
  --max:1120px;--radius:18px;--shadow:0 12px 30px rgba(17,44,34,.08)
}
*{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:1.68}
a{color:var(--brand);text-decoration-thickness:.08em;text-underline-offset:.16em}
a:hover{text-decoration-thickness:.14em}
.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.site-header{position:sticky;top:0;z-index:10;background:rgba(247,250,248,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.brand{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--ink);font-weight:800}
.brand-mark{width:36px;height:36px;border-radius:11px;background:linear-gradient(145deg,var(--brand),#29795d);display:grid;place-items:center;color:#fff;font-size:20px}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
nav a{color:var(--ink);text-decoration:none;font-weight:650;font-size:.94rem}
.nav-cta{background:var(--brand);color:#fff!important;padding:10px 14px;border-radius:999px}
.menu-btn{display:none;background:none;border:0;font-size:1.4rem}
.hero{padding:70px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--brand);font-size:.78rem}
h1,h2,h3{line-height:1.16;letter-spacing:-.02em}
h1{font-size:clamp(2.35rem,6vw,4.7rem);margin:.2em 0}
h2{font-size:clamp(1.7rem,3vw,2.5rem);margin-top:1.5em}
h3{font-size:1.25rem;margin-top:1.5em}
.lead{font-size:1.18rem;color:var(--muted);max-width:760px}
.card,.callout,.source-box,.disclosure,.toc,.comparison{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.card{padding:24px}
.hero-card{padding:28px;background:linear-gradient(145deg,#fff,#eef7f2)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.section{padding:38px 0}
.section.alt{background:#eef5f1}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--brand);color:#fff;text-decoration:none;font-weight:800;padding:13px 18px;border-radius:999px;border:0}
.btn.secondary{background:#fff;color:var(--brand);border:1px solid var(--brand)}
.btn + .btn{margin-left:8px}
.callout{padding:22px;border-left:5px solid var(--brand)}
.callout.warn{background:var(--warn);border-left-color:#b27b00}
.disclosure{padding:16px 18px;font-size:.92rem;background:#fdfdfc}
.breadcrumbs{font-size:.9rem;color:var(--muted);padding-top:28px}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:42px;align-items:start}
.article{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(24px,4vw,52px);box-shadow:var(--shadow)}
.article h1{font-size:clamp(2.1rem,5vw,3.6rem)}
.article p,.article li{font-size:1.02rem}
.article table{width:100%;border-collapse:collapse;margin:22px 0;display:block;overflow-x:auto}
.article th,.article td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}
.article th{background:#f2f7f4}
.toc{padding:20px;position:sticky;top:96px}
.toc strong{display:block;margin-bottom:8px}
.toc a{display:block;text-decoration:none;margin:7px 0;font-size:.93rem}
.kicker{font-size:.92rem;color:var(--muted)}
.meta{display:flex;gap:12px;flex-wrap:wrap;color:var(--muted);font-size:.9rem;margin:8px 0 24px}
.source-box{padding:20px;margin-top:34px;background:#f7faf8}
.source-box ul{padding-left:20px}
.pill{display:inline-block;background:var(--brand2);color:var(--brand);border-radius:999px;padding:5px 10px;font-size:.8rem;font-weight:800;margin:3px}
.footer{padding:48px 0;border-top:1px solid var(--line);margin-top:50px;color:var(--muted)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.footer a{color:var(--muted)}
.note{font-size:.9rem;color:var(--muted)}
.money-box{background:linear-gradient(145deg,#e7f5ee,#fff);border:1px solid #bdd9cb;border-radius:var(--radius);padding:24px;margin:28px 0}
.money-box .btn{margin-top:8px}
ul.check{list-style:none;padding-left:0}
ul.check li:before{content:"✓";color:var(--brand);font-weight:900;margin-right:10px}
blockquote{margin:25px 0;padding:18px 22px;border-left:4px solid var(--brand);background:#f5f8f6}
@media(max-width:850px){
 .hero-grid,.article-layout,.grid,.grid.two,.footer-grid{grid-template-columns:1fr}
 nav{display:none;position:absolute;left:16px;right:16px;top:66px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;box-shadow:var(--shadow)}
 nav.open{display:grid}
 .menu-btn{display:block}
 .toc{position:static}
 .hero{padding-top:42px}
}