:root{--bg:#fffdf9;--ink:#191714;--mut:#57534a;--line:#e3ded4;--rule:#191714;--ac:#a3341f;--acd:#8a2b19;--tint:#f7efe6;--tint2:#efe3d4;--warnbg:#fbf1e6;--warnln:#e8cfa8;--warnink:#8a5a12}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.72 "Source Serif 4",Georgia,serif;text-wrap:pretty}
@media (prefers-reduced-motion:reduce){*{transition:none!important}html{scroll-behavior:auto}}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.prose{max-width:730px}
.sans{font-family:"Public Sans",system-ui,sans-serif}
h1,h2,h3{font-weight:600;line-height:1.16;letter-spacing:-.01em;margin:0 0 .45em}
h1{font-size:clamp(1.9rem,4.2vw,2.7rem)}
h2{font-size:clamp(1.5rem,3vw,2.05rem);margin-top:1.3em}
h3{font-size:1.14rem;margin-top:1.1em}
p{margin:0 0 1em}
a{color:var(--ac)}
:focus-visible{outline:3px solid var(--ac);outline-offset:2px;border-radius:2px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 16px;z-index:99;border:1px solid var(--line)}
.skip:focus{left:8px;top:8px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.label{font-family:"Public Sans",sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ac);margin-bottom:6px}
.btn{display:inline-block;background:var(--ac);color:#fff;padding:13px 26px;font-weight:700;text-decoration:none;font-family:"Public Sans",sans-serif;font-size:.95rem;transition:background .15s}
.btn:hover{background:var(--acd)}
.btn2{display:inline-block;color:var(--ink);padding:13px 26px;font-weight:700;text-decoration:none;font-family:"Public Sans",sans-serif;font-size:.95rem;border:1px solid var(--ink)}
.btn2:hover{background:var(--tint)}
header{position:sticky;top:0;z-index:50;background:rgba(255,253,249,.96);backdrop-filter:blur(6px);border-bottom:2px solid var(--rule)}
.hrow{display:flex;align-items:center;gap:16px;min-height:64px}
.logo{text-decoration:none;margin-right:auto;display:flex;align-items:center;gap:10px}
.logo .mark{width:30px;height:30px;background:var(--ac);color:#fff;display:inline-flex;align-items:center;justify-content:center;line-height:1}
.logo .wm{font-weight:600;font-size:1.22rem;letter-spacing:-.01em;color:var(--ink);white-space:nowrap}
.logo .wm em{font-style:normal;color:var(--ac);font-weight:600}
.mainnav{display:none;gap:22px;align-items:center}
.mainnav a{color:var(--mut);text-decoration:none;font-size:.9rem;font-weight:500;font-family:"Public Sans",sans-serif}
.mainnav a:hover{color:var(--ac)}
.mainnav a[aria-current]{color:var(--ac)}
@media(min-width:860px){.mainnav{display:flex}}
header .btn{padding:10px 20px}
.hero{padding:52px 0 44px;border-bottom:1px solid var(--line)}
@media (min-width:900px){.hero{padding:70px 0 54px}}
.hgrid{display:grid;gap:34px}
@media (min-width:900px){.hgrid{grid-template-columns:1.05fr .95fr;align-items:center;gap:52px}}
.pill{display:inline-flex;align-items:center;gap:8px;background:var(--tint);border:1px solid var(--line);padding:6px 14px;font-size:.78rem;font-weight:700;letter-spacing:.02em;color:var(--acd);margin-bottom:18px;font-family:"Public Sans",sans-serif;text-transform:uppercase}
.pill i{width:8px;height:8px;border-radius:50%;background:var(--ac);display:inline-block}
.hero h1{font-size:clamp(2.05rem,4.8vw,3rem)}
.hero .lead{color:var(--mut);font-size:1.14rem;max-width:33em}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 14px}
.fine{font-size:.85rem;color:var(--mut);font-family:"Public Sans",sans-serif}
.heroimg{width:100%;aspect-ratio:16/10;object-fit:cover;border:1px solid var(--line)}
.byline{font-family:"Public Sans",sans-serif;font-size:.84rem;color:var(--mut);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:10px 0;margin:24px 0 0;display:flex;flex-wrap:wrap;gap:6px 22px}
.byline b{color:var(--ink);font-weight:600}
.trust{padding:0;border-bottom:1px solid var(--line)}
ul.badges{display:grid;grid-template-columns:1fr 1fr;margin:0;padding:0}
@media (min-width:900px){ul.badges{grid-template-columns:repeat(4,1fr)}}
.badges li{list-style:none;padding:20px 18px;border-top:1px solid var(--line);font-family:"Public Sans",sans-serif}
.badges li:nth-child(odd){border-right:1px solid var(--line)}
@media (min-width:900px){.badges li{border-top:0;border-right:0;border-left:1px solid var(--line)}.badges li:first-child{border-left:0;padding-left:0}}
.badges i{display:inline-flex;width:34px;height:34px;background:var(--tint);color:var(--acd);align-items:center;justify-content:center;font-style:normal;font-weight:700;font-size:.72rem;margin-bottom:10px}
.badges b{display:block;font-weight:700;font-size:.92rem}
.badges span{font-size:.82rem;color:var(--mut);line-height:1.5;display:block;margin-top:2px}
section{padding:48px 0}
@media (min-width:900px){section{padding:62px 0}}
.eyebrow{color:var(--ac);font-weight:700;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:6px;font-family:"Public Sans",sans-serif}
.steps{border-bottom:1px solid var(--line)}
.steps ol{margin:28px 0 0;padding:0;counter-reset:s;display:grid;gap:0}
.steps li{list-style:none;counter-increment:s;display:grid;grid-template-columns:52px 1fr;gap:16px;padding:22px 0;border-top:1px solid var(--line)}
.steps li::before{content:counter(s) ".";font-size:1.9rem;font-weight:600;color:var(--ac);line-height:1.1;font-family:"Source Serif 4",serif}
.steps h3{font-size:1.14rem;margin:0 0 .25em}
.steps p{color:var(--mut);font-size:1rem;margin:0;max-width:44em}
.twrap{overflow-x:auto;border-top:3px solid var(--rule);margin:22px 0}
table{width:100%;border-collapse:collapse;font-family:"Public Sans",sans-serif;font-size:.92rem;min-width:480px}
th,td{text-align:left;padding:12px 15px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:.72rem;letter-spacing:.09em;text-transform:uppercase;color:var(--mut);font-weight:700}
td:first-child{color:var(--ink);font-weight:600}
.tnote{color:var(--mut);font-size:.83rem;margin-top:-4px;font-family:"Public Sans",sans-serif}
.warn{background:var(--warnbg);border:1px solid var(--warnln);border-radius:4px;padding:18px 20px;margin:22px 0}
.warn b{color:var(--warnink)}
.answer{background:var(--tint);border-left:4px solid var(--ac);padding:18px 22px;margin:18px 0;font-size:1.06rem}
.answer b{color:var(--ink)}
.split{border-bottom:1px solid var(--line)}
.split .hgrid{align-items:center}
.split ul{margin:18px 0 0;padding:0;display:grid;gap:10px}
.split li{list-style:none;display:flex;gap:12px;align-items:flex-start;font-size:.97rem;color:var(--mut);font-family:"Public Sans",sans-serif}
.split li::before{content:"✓";flex:none;width:24px;height:24px;background:var(--tint2);color:var(--acd);display:inline-flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:700}
.split li b{color:var(--ink)}
.secimg{width:100%;aspect-ratio:3/2;object-fit:cover;border:1px solid var(--line);margin:8px 0 20px}
.sublinks{display:grid;gap:12px;margin:20px 0}
@media (min-width:640px){.sublinks{grid-template-columns:repeat(2,1fr)}}
.sublinks a{display:flex;justify-content:space-between;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:4px;padding:16px 18px;text-decoration:none;color:var(--ink);font-weight:600;font-family:"Public Sans",sans-serif;font-size:.95rem}
.sublinks a:hover{border-color:var(--ac);background:var(--tint)}
.sublinks span{color:var(--mut);font-weight:400;font-size:.85rem}
.sublinks a::after{content:"→";color:var(--ac)}
ul.check{margin:16px 0;padding:0;display:grid;gap:10px}
ul.check li{list-style:none;display:flex;gap:12px;align-items:flex-start;color:var(--mut);font-family:"Public Sans",sans-serif}
ul.check li::before{content:"✓";flex:none;width:24px;height:24px;background:var(--tint2);color:var(--acd);display:inline-flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:700}
ul.check li b{color:var(--ink)}
ul.dot{margin:14px 0;padding-left:20px;color:var(--mut)}
ul.dot li{margin:6px 0}
.faq details{border-top:1px solid var(--line)}
.faq details:first-of-type{margin-top:22px}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:17px 0;font-weight:600;font-size:1.08rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;color:var(--ac);font-size:1.4rem;font-weight:400}
.faq details[open] summary::after{content:"-"}
.faq details p{color:var(--mut);font-size:.98rem;margin:0 0 20px;max-width:48em}
.crumb{font-size:.82rem;color:var(--mut);padding:18px 0 0;font-family:"Public Sans",sans-serif}
.crumb a{color:var(--mut);text-decoration:none}
.crumb a:hover{color:var(--ac)}
.crumb span{color:var(--ink)}
.pagehead{padding:8px 0 6px}
.lead{font-size:1.14rem;color:var(--mut);max-width:40em}
.ebox{border:1px solid var(--rule);padding:22px 26px;font-family:"Public Sans",sans-serif;font-size:.88rem;margin:26px 0}
.ebox .meta{margin:0 0 10px;font-weight:600}
.ebox .meta span{color:var(--mut);font-weight:400}
.ebox ul{margin:6px 0 0;padding-left:18px;color:var(--mut)}
.ebox li{margin:3px 0}
.disc{color:var(--mut);font-size:.85rem;border-left:3px solid var(--line);padding-left:14px;margin-top:16px}
.ctaband{background:var(--ac);color:#fff;text-align:center;padding:46px 24px;margin:36px 0}
.ctaband h2{color:#fff;margin-top:0}
.ctaband p{color:#f3d9cf;max-width:34em;margin:0 auto 22px}
.ctaband .btn{background:#fff;color:var(--acd)}
.ctaband .btn:hover{background:#f6e7df}
.cta{background:var(--ac);color:#fff;text-align:center;padding:56px 24px}
.cta h2{color:#fff}
.cta p{color:#f3d9cf;max-width:34em;margin:0 auto 22px}
.cta .btn{background:#fff;color:var(--acd)}
.cta .btn:hover{background:#f6e7df}
.bloglist{display:grid;gap:16px;margin:24px 0}
@media (min-width:680px){.bloglist{grid-template-columns:repeat(2,1fr)}}
.blogcard{display:block;background:#fff;border:1px solid var(--line);border-radius:4px;padding:22px;text-decoration:none;color:var(--ink)}
.blogcard:hover{border-color:var(--ac)}
.tag{display:inline-block;background:var(--tint);color:var(--acd);font-size:.72rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:3px 10px;margin-bottom:10px;font-family:"Public Sans",sans-serif}
.blogcard h3{margin:0 0 6px;font-size:1.1rem}
.blogcard p{color:var(--mut);font-size:.92rem;margin:0}
.formcard{background:#fff;border:1px solid var(--line);border-radius:4px;padding:28px}
.hint{font-size:.83rem;color:var(--mut);margin-top:5px;font-family:"Public Sans",sans-serif}
.articlebody h2{margin-top:1.5em}
.articlebody p,.articlebody li{color:var(--ink)}
footer{border-top:2px solid var(--rule);padding:40px 0 48px;font-family:"Public Sans",sans-serif;font-size:.85rem;color:var(--mut);margin-top:40px}
.fgrid{display:grid;gap:24px}
@media (min-width:900px){.fgrid{grid-template-columns:2fr 1fr 1fr 1fr}}
footer b{color:var(--ink);display:block;margin-bottom:6px;font-weight:700}
footer a{color:var(--mut)}
footer nav a{display:block;text-decoration:none;padding:2px 0}
footer nav a:hover{color:var(--ink)}
.legal{margin-top:24px;padding-top:18px;border-top:1px solid var(--line);font-size:.78rem;line-height:1.6}