:root{--ink:#1e2622;--muted:#5f6a64;--bg:#fbf8f2;--card:#fff;--brand:#174f4f;--accent:#c99a2e;--link:#16606a;--line:#e5dfd2}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}a{color:var(--link)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;padding:12px 20px;gap:12px;flex-wrap:wrap}
.logo{text-decoration:none;display:flex;align-items:center;gap:10px}
nav a{margin-left:16px;text-decoration:none;font-size:.95rem}
.btn{display:inline-block;border:0;padding:12px 22px;font-weight:700;font-size:1rem;text-decoration:none;cursor:pointer;min-height:44px;font-family:inherit}
.btn:hover{filter:brightness(.92)}
.hero{position:relative}.hero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero .wrap{position:relative;display:grid;gap:28px;padding:44px 20px;grid-template-columns:1fr}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.1fr .9fr;padding:72px 20px}}
.ticks{list-style:none;padding:0}
section{padding:52px 0}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.tile img{aspect-ratio:3/2;object-fit:cover;margin-bottom:10px;width:100%}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;padding-left:48px;position:relative;margin:16px 0}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;display:grid;place-items:center;font-weight:700}
table{width:100%;border-collapse:collapse;font-size:.95rem}th,td{padding:9px 11px;text-align:left;vertical-align:top}
.tablewrap{overflow-x:auto}.note{font-size:.88rem;color:var(--muted)}
fieldset{border:0;padding:0;margin:0}legend{font-weight:700;font-size:1.1rem;margin-bottom:10px}
.opts{display:grid;gap:10px;grid-template-columns:1fr 1fr}
.opts label{padding:12px;cursor:pointer;display:flex;gap:8px;align-items:center;min-height:48px}
.opts input:checked+span{font-weight:700}
.field{margin:10px 0}.field label{display:block;font-weight:600;font-size:.95rem}
.field label.inline{font-weight:400;display:flex;gap:8px;align-items:flex-start}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;padding:11px;font:inherit;background:#fff;color:#111}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.progress{height:6px;margin-bottom:14px}.progress div{height:100%;width:20%;transition:width .2s}
.navbtns{display:flex;justify-content:space-between;margin-top:16px;gap:10px}
.err{color:#b3261e;font-size:.9rem;min-height:1.2em}
.est output{display:block;font-size:1.6rem;font-weight:800;margin:8px 0}
.prose{max-width:780px}.prose h2{margin-top:1.6em}
.crumbs{font-size:.88rem;margin-bottom:8px}
.cta-band{text-align:center}
footer{padding:36px 0;font-size:.9rem}
[hidden]{display:none!important}
@media(max-width:720px){header.top nav{order:3;width:100%;overflow-x:auto;white-space:nowrap;padding-bottom:4px}header.top nav a{margin:0 16px 0 0}.row2{grid-template-columns:1fr}}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0}.chips button{padding:8px 12px;cursor:pointer;font:inherit}

body{font:17px/1.65 "Charter","Bitstream Charter","Sitka Text",Cambria,Georgia,serif}
h1,h2,h3{font-family:"Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;font-weight:700;line-height:1.15;margin:.2em 0 .5em}
h1{font-size:clamp(2.1rem,5.4vw,3.6rem)}h2{font-size:clamp(1.5rem,3.4vw,2.2rem)}h3{font-size:1.25rem}
header.top{background:var(--bg);border-bottom:1px solid var(--line)}
.logo{color:var(--brand);font-family:"Palatino Linotype",Palatino,Georgia,serif;font-size:1.3rem;font-weight:700}.logo i{color:#8a6a1e}
nav a{color:var(--ink);font-family:system-ui,sans-serif;font-size:.92rem}
.btn{background:var(--brand);color:#fff;border-radius:999px;font-family:system-ui,sans-serif}
.btn.gold{background:var(--accent);color:#1e2622}.btn.ghost{background:transparent;border:2px solid var(--brand);color:var(--brand)}
.hero{color:#fff;background:#10302f;text-align:center}.hero .bg{opacity:.62}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,30,30,.55),rgba(10,30,30,.15) 45%,rgba(10,30,30,.75));z-index:1}
.hero .wrap{z-index:2;grid-template-columns:1fr!important;padding:96px 20px 120px!important;max-width:880px}
.hero p.lead{font-size:1.22rem;margin:0 auto 1.2em;max-width:36em}
.hero .rule{width:80px;height:3px;background:var(--accent);margin:0 auto 18px}
.lift{position:relative;z-index:3;padding-top:0}.lift #quote{order:-1;margin-top:-70px}
.lift .wrap{display:grid;gap:28px;grid-template-columns:1fr}@media(min-width:900px){.lift{margin-top:-80px}.lift #quote{order:0;margin-top:0}.lift .wrap{grid-template-columns:.9fr 1.1fr;align-items:start}.lift .why{padding-top:110px}}
.why ul{list-style:none;padding:0}.why li{padding:10px 0 10px 34px;border-bottom:1px solid var(--line);position:relative}.why li:before{content:"";position:absolute;left:0;top:18px;width:18px;height:2px;background:var(--accent);box-shadow:0 6px 0 var(--accent)}
.card{background:var(--card);border-radius:18px;padding:26px;border:1px solid var(--line);box-shadow:0 24px 60px rgba(16,48,47,.18);font-family:system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px}
.card h2,.card h3{font-family:"Palatino Linotype",Palatino,Georgia,serif}
.alt{background:#f2ede2}.teal{background:var(--brand);color:#e6efec}.teal h2{color:#fff}.teal a{color:#f2cf7a}
.opts label{border:1.5px solid var(--line);border-radius:14px}.opts label:has(input:checked){border-color:var(--brand);background:#e8f1ef}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{border:1.5px solid #d4ccbc;border-radius:12px}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.progress{background:#eee7d8;border-radius:9px}.progress div{background:var(--accent);border-radius:9px}
.stepcount{font-size:.82rem;color:var(--muted);margin:0}
.steps li:before{background:var(--accent);color:#1e2622;border-radius:50%}
table{background:#fff}th,td{border-bottom:1px solid var(--line)}th{font-family:system-ui,sans-serif;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;color:var(--brand);border-bottom:2px solid var(--brand)}
.est output{color:var(--brand)}
.tile img{border-radius:14px}
.disclose{border:1px solid var(--accent);background:#fff9ea;border-radius:12px;padding:14px;font-size:.94rem}
footer{background:#10302f;color:#cbd8d4}footer a{color:#f2cf7a}
.regions a{display:block;padding:20px;border-radius:16px;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink)}.regions a:hover{border-color:var(--brand)}
.regions span{display:block;font-size:.9rem;color:var(--muted)}
.pagehead{background:var(--brand);color:#fff;padding:56px 0 40px}.pagehead a{color:#f2cf7a}