:root{
  --ink:#22303c; --ink2:#41525f; --muted:#6b7b88; --line:#e2ded4;
  --bg:#fbf9f4; --card:#fffefb; --deep:#1d2c39; --bronze:#8a6335;
  --bronze-d:#6f4f28; --sage:#4f6b5c;
}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.65 Georgia,'Iowan Old Style',serif}
.wrap{max-width:1020px;margin:0 auto;padding:0 22px}
header.nav{background:var(--deep);color:#fff}
.nav-in{max-width:1020px;margin:0 auto;padding:.75rem 22px;display:flex;align-items:center;gap:1.3rem;flex-wrap:wrap}
.brand{color:#fff;text-decoration:none;font-weight:700;font-size:1.02rem;letter-spacing:.01em;display:flex;gap:.5rem;align-items:center}
.brand span{font-size:1.15rem}
nav.links{display:flex;gap:1rem;flex-wrap:wrap;margin-left:auto}
nav.links a{color:#c6cfd6;text-decoration:none;font-size:.87rem;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}
nav.links a:hover{color:#fff}
.hero{background:linear-gradient(165deg,#1d2c39,#2c4152 60%,#3a5468);color:#fff;padding:3.2rem 0 2.8rem}
.kicker{font-family:-apple-system,sans-serif;text-transform:uppercase;letter-spacing:.16em;font-size:.68rem;color:#a8b8c4;font-weight:700}
.hero h1{font-size:clamp(1.75rem,3.8vw,2.55rem);line-height:1.16;margin:.55rem 0 .9rem;max-width:20ch}
.hero p{color:#d3dde4;max-width:57ch;margin:0 0 1.5rem;font-family:-apple-system,sans-serif;font-size:1rem}
.btns{display:flex;gap:.65rem;flex-wrap:wrap}
.btn{display:inline-block;background:var(--bronze);color:#fff;text-decoration:none;font-weight:600;
  padding:.68rem 1.1rem;border-radius:6px;font-size:.93rem;font-family:-apple-system,sans-serif}
.btn:hover{background:var(--bronze-d)}
.btn.ghost{background:transparent;border:1px solid rgba(255,255,255,.45);color:#fff}
main{padding:2.4rem 0 3rem}
h1{font-size:2rem;line-height:1.2;margin:.3rem 0 .8rem}
h2{font-size:1.42rem;margin:2.2rem 0 .7rem;letter-spacing:-.01em}
h3{font-size:1.1rem;margin:1.5rem 0 .4rem}
p{margin:0 0 1rem}
a{color:var(--bronze-d)}
.lede{font-size:1.08rem;color:var(--ink2)}
.crumb{font-family:-apple-system,sans-serif;font-size:.8rem;color:var(--muted);margin-bottom:.5rem}
.crumb a{color:var(--muted);text-decoration:none}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1rem;margin:1.3rem 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1.1rem 1.15rem;text-decoration:none;color:inherit;display:block}
.card:hover{border-color:var(--bronze);box-shadow:0 3px 12px rgba(34,48,60,.08)}
.card .tag{font-family:-apple-system,sans-serif;font-size:.64rem;letter-spacing:.13em;text-transform:uppercase;color:var(--bronze);font-weight:700}
.card h3{margin:.35rem 0 .4rem;font-size:1.03rem}
.card p{margin:0;color:var(--muted);font-size:.9rem;font-family:-apple-system,sans-serif;line-height:1.55}
table{width:100%;border-collapse:collapse;margin:1.2rem 0;font-size:.92rem;font-family:-apple-system,sans-serif}
th,td{text-align:left;padding:.6rem .65rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f0ece2;font-size:.76rem;text-transform:uppercase;letter-spacing:.05em;color:var(--ink2)}
tbody tr:nth-child(even){background:#faf7f0}
.note{border-left:3px solid var(--bronze);background:#f8f2e6;padding:.9rem 1.1rem;margin:1.3rem 0;font-size:.94rem;font-family:-apple-system,sans-serif}
.note strong{color:var(--bronze-d)}
ol,ul{margin:0 0 1rem;padding-left:1.35rem}
li{margin-bottom:.45rem}
.step{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1.1rem 1.2rem;margin:0 0 .9rem}
.step h3{margin-top:0}
.step .num{font-family:-apple-system,sans-serif;font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--bronze);font-weight:700}
footer{background:#17242e;color:#9fb0bb;padding:2rem 0;font-size:.86rem;font-family:-apple-system,sans-serif}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:1.5rem}
@media(max-width:760px){.fgrid{grid-template-columns:1fr 1fr}}
footer h4{color:#fff;font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;margin:0 0 .55rem}
footer a{color:#9fb0bb;text-decoration:none;display:block;margin-bottom:.3rem}
footer a:hover{color:#fff}
.disc{font-size:.76rem;color:#7d909c;margin-top:1.5rem;border-top:1px solid #24333d;padding-top:1rem}
.disclosure{font-size:.82rem;color:var(--muted);font-style:italic;border-top:1px solid var(--line);padding-top:.9rem;margin-top:2rem}