:root{--ink:#2a1f14;--ink-2:#4a3a2a;--muted:#6d5d4b;--clay:#b4442a;--clay-2:#93351f;--clay-soft:#fae6dc;--wheat:#d9a12f;--wheat-2:#b9831f;--wheat-soft:#faf0d5;--sky:#27658f;--sky-2:#1d4e72;--sky-soft:#e4eef5;--sage:#5f7d4c;--sage-soft:#e7efdf;--cream:#faf4e8;--paper:#ffffff;--line:#e8ddc8;--danger:#b32d2d;--radius:18px;--radius-sm:12px;--shadow:0 2px 0 rgba(42,31,20,0.08),0 14px 34px -18px rgba(42,31,20,0.35);--shadow-pop:6px 6px 0 var(--ink);--font-display:Georgia,"Iowan Old Style","Palatino Linotype","Book Antiqua","Times New Roman",serif;--font-body:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--wrap:1160px}*,:after,:before{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.65;text-rendering:optimizeLegibility}img,svg{max-width:100%;display:block}a{color:var(--sky);text-underline-offset:3px}a:hover{color:var(--clay-2)}h1,h2,h3,h4{font-family:var(--font-display);line-height:1.15;letter-spacing:-.015em;margin:0 0 .5em;color:var(--ink)}h1{font-size:clamp(2.2rem,5vw,3.6rem)}h1,h2{font-weight:700}h2{font-size:clamp(1.6rem,3.2vw,2.4rem)}h3{font-size:1.25rem;font-weight:600}p{margin:0 0 1em}.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 22px}.narrow{max-width:780px}.skip-link{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:8px;z-index:100}.skip-link:focus{left:12px}:focus-visible{outline:3px solid 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.mobile-panel{display:grid}.mobile-panel{position:absolute;right:16px;top:66px;display:none;gap:2px;background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius-sm);box-shadow:var(--shadow-pop);padding:10px;min-width:220px}.mobile-panel a{text-decoration:none;color:var(--ink);font-weight:650;padding:9px 12px;border-radius:8px}.mobile-panel a:hover{background:var(--sky-soft)}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-body);font-weight:700;font-size:1.02rem;line-height:1;padding:15px 24px;border-radius:999px;border:2.5px solid var(--ink);text-decoration:none;cursor:pointer;transition:transform .12s ease,box-shadow .12s ease,background .12s ease}.btn-primary{background:var(--clay);color:#fff;box-shadow:4px 4px 0 var(--ink)}.btn-primary:hover{color:#fff;background:var(--clay-2);transform:translate(-1px,-1px);box-shadow:5px 5px 0 var(--ink)}.btn-primary:active{transform:translate(3px,3px);box-shadow:1px 1px 0 var(--ink)}.btn-ghost{background:var(--paper);color:var(--ink)}.btn-ghost:hover{background:var(--wheat-soft);color:var(--ink)}.btn-sm{padding:10px 16px;font-size:.93rem}.btn[disabled]{opacity:.6;cursor:not-allowed}.hero{position:relative;overflow:hidden;padding:64px 0 72px}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-display);font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:var(--sky);background:var(--sky-soft);border-radius:999px;padding:6px 14px;margin-bottom:18px}.hero h1 .hl{background:linear-gradient(transparent 62%,var(--wheat) 62%);padding:0 4px}.lede{font-size:1.2rem;color:var(--ink-2);max-width:40ch}.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin:26px 0 18px}.hero-note{font-size:.92rem;color:var(--muted)}.hero-art{width:100%;height:auto}@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero{padding:40px 0 48px}}.page-hero{padding:44px 0 36px;border-bottom:2px solid var(--ink);background:radial-gradient(circle at 92% 20%,var(--wheat-soft) 0 120px,transparent 121px),radial-gradient(circle at 80% 110%,var(--sky-soft) 0 160px,transparent 161px),var(--cream)}.page-hero .lede{max-width:60ch}.page-hero .tldr{max-width:68ch;margin:14px 0 0;padding:12px 16px;border-left:4px solid var(--clay);background:var(--paper);border-radius:0 8px 8px 0;font-size:.98rem}.section{padding:72px 0}.section-tight{padding:48px 0}.section-alt{background:var(--paper);border-top:2px solid var(--ink);border-bottom:2px solid var(--ink)}.section-ink{background:var(--ink);color:#f3ede2}.section-ink h2,.section-ink h3{color:#fff}.section-ink a{color:var(--wheat)}.section-head{max-width:720px;margin-bottom:36px}.section-head p{color:var(--muted);font-size:1.08rem}.section-ink .section-head p{color:#cbbfa8}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}@media (max-width:960px){.grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}.card{background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius);padding:24px;box-shadow:4px 4px 0 var(--ink)}.card h3{margin-top:6px}.card p:last-child{margin-bottom:0}.card-link{display:block;text-decoration:none;color:inherit;transition:transform .12s ease,box-shadow .12s ease}.card-link:hover{color:inherit;transform:translate(-2px,-2px);box-shadow:6px 6px 0 var(--ink)}.card-link .more{font-weight:800;color:var(--sky)}.card-icon{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;border:2px solid var(--ink)}.bg-tang{background:var(--clay-soft)}.bg-sun{background:var(--wheat-soft)}.bg-mint{background:var(--sage-soft)}.bg-grape{background:var(--sky-soft)}.pill{display:inline-block;font-size:.8rem;font-weight:800;padding:3px 10px;border-radius:999px;background:var(--wheat);color:var(--ink);border:1.5px solid var(--ink)}.steps{counter-reset:step;display:grid;gap:18px;padding:0;margin:0;list-style:none}.steps>li{position:relative;padding:20px 22px 20px 82px;background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius)}.steps>li:before{counter-increment:step;content:counter(step);position:absolute;left:20px;top:18px;width:44px;height:44px;border-radius:50%;display:grid;place-items:center;font-family:var(--font-display);font-weight:700;font-size:1.25rem;background:var(--clay);color:#fff;border:2px solid var(--ink)}.steps>li:nth-child(2n):before{background:var(--sky)}.steps>li:nth-child(3n):before{background:var(--sage)}.steps h3{margin-bottom:6px}.steps p:last-child{margin-bottom:0}.ladder{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px;align-items:end}.ladder-step{background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius-sm);padding:16px;box-shadow:3px 3px 0 var(--ink)}.ladder-step .num{font-family:var(--font-display);font-weight:700;font-size:2rem;color:var(--clay);line-height:1}.ladder-step:first-child{min-height:170px}.ladder-step:nth-child(2){min-height:200px}.ladder-step:nth-child(3){min-height:230px}.ladder-step:nth-child(4){min-height:260px}.ladder-step:nth-child(5){min-height:290px;background:var(--wheat-soft)}@media (max-width:860px){.ladder{grid-template-columns:1fr}.ladder-step{min-height:0!important}}.prose{max-width:760px}.prose h2{font-size:1.7rem;margin-top:1.8em}.prose h3{margin-top:1.4em}.prose ol,.prose ul{padding-left:1.3em;margin:0 0 1.2em}.prose li{margin-bottom:.45em}.prose li::marker{color:var(--clay);font-weight:800}.quick-answer{background:var(--wheat-soft);border:2px solid var(--ink);border-left:10px solid var(--wheat);border-radius:var(--radius-sm);padding:18px 22px;margin:0 0 30px}.quick-answer strong{display:block;font-family:var(--font-display);font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;color:var(--clay-2);margin-bottom:6px}.quick-answer p{margin:0;font-size:1.08rem}.callout{background:var(--sage-soft);border:2px solid var(--ink);border-radius:var(--radius-sm);padding:18px 22px;margin:24px 0}.callout-warn{background:var(--clay-soft)}.meta-line{color:var(--muted);font-size:.93rem}.crumbs{font-size:.88rem;margin-bottom:14px}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}.crumbs li+li:before{content:"›";margin-right:6px;color:var(--muted)}.crumbs a{color:var(--ink-2)}.crumbs [aria-current]{color:var(--muted)}.faq-list{display:grid;gap:12px}.faq-item{background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius-sm)}.faq-item summary{cursor:pointer;list-style:none;padding:16px 52px 16px 20px;font-family:var(--font-display);font-weight:700;font-size:1.08rem;position:relative}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;display:grid;place-items:center;background:var(--wheat);border:2px solid var(--ink);font-weight:900;line-height:1}.faq-item[open] summary:after{content:"–"}.faq-item .faq-a{padding:0 20px 16px;color:var(--ink-2)}.form-card{background:var(--paper);border:2.5px solid var(--ink);border-radius:var(--radius);box-shadow:var(--shadow-pop);padding:28px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 18px}.form-grid .full{grid-column:1/-1}@media (max-width:640px){.form-grid{grid-template-columns:1fr}.form-card{padding:20px}}.field .label,.field label{display:block;font-weight:750;font-size:.95rem;margin-bottom:6px}.field .req{color:var(--clay-2)}.field input,.field 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16px;margin-top:16px;font-weight:600}.form-alert.error{background:#ffe9e9}.form-alert.block{background:var(--clay-soft)}.form-success{text-align:center;padding:18px 6px}.form-small-print{font-size:.82rem;color:var(--muted);margin-top:14px}.calc{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;align-items:start}@media (max-width:900px){.calc{grid-template-columns:1fr}}.calc fieldset{border:0;padding:0;margin:0 0 20px}.calc legend{font-family:var(--font-display);font-weight:700;font-size:1.1rem;margin-bottom:12px}.money{position:relative}.money span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700;pointer-events:none}.money input{padding-left:30px}.calc-result{position:sticky;top:92px}.ratio-display{font-family:var(--font-display);font-weight:700;font-size:clamp(3rem,8vw,4.6rem);line-height:1;margin:6px 0 10px}.gauge{height:16px;border-radius:999px;background:linear-gradient(90deg,#f0b0a0 0 40%,var(--wheat) 40% 55%,#a9c79b 55% 100%);border:2px solid var(--ink);position:relative;margin:14px 0 6px}.gauge-marker{position:absolute;top:-8px;width:6px;height:28px;margin-left:-3px;background:var(--ink);border-radius:3px;transition:left .25s ease}.gauge-labels{position:relative;height:1.3em;font-size:.78rem;color:var(--muted)}.gauge-labels span{position:absolute;transform:translateX(-50%)}.breakdown{width:100%;border-collapse:collapse;margin-top:14px;font-size:.95rem}.breakdown td{padding:7px 0;border-bottom:1px dashed var(--line)}.breakdown td:last-child{text-align:right;font-variant-numeric:tabular-nums;font-weight:700}.breakdown tr.total td{border-bottom:0;border-top:2px solid var(--ink);font-weight:850}.verdict{border-radius:12px;padding:14px 16px;border:2px solid var(--ink);margin-top:14px}.verdict.good{background:var(--sage-soft)}.verdict.ok{background:var(--wheat-soft)}.verdict.low{background:var(--clay-soft)}.verdict.none{background:#f4efe3}.toggle-row{display:flex;gap:8px;margin-bottom:12px;flex-wrap:wrap}.toggle-row button{font:inherit;font-weight:750;font-size:.9rem;padding:8px 14px;border-radius:999px;border:2px solid var(--ink);background:var(--paper);cursor:pointer}.toggle-row button[aria-pressed=true]{background:var(--ink);color:#fff}.cta-band{background:var(--sky);color:#fff;border:2.5px solid var(--ink);border-radius:26px;box-shadow:var(--shadow-pop);padding:40px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;position:relative;overflow:hidden}.cta-band h2{color:#fff;margin-bottom:8px}.cta-band p{margin:0;color:#d9e7f2;max-width:56ch}.cta-band:after{content:"";position:absolute;right:-60px;bottom:-80px;width:220px;height:220px;border-radius:50%;background:var(--wheat);opacity:.25}@media (max-width:760px){.cta-band{grid-template-columns:1fr;padding:28px}}.site-footer{background:var(--ink);color:#d8cdb9;padding:56px 0 30px;margin-top:0;font-size:.94rem}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{color:var(--wheat);text-decoration:underline}.footer-top{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:28px}.footer-top h3{color:var(--wheat);font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:12px}.footer-top ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}@media (max-width:960px){.footer-top{grid-template-columns:repeat(2,1fr)}.footer-brand{grid-column:1/-1}}.footer-legal{border-top:1px solid rgba(255,255,255,.16);margin-top:40px;padding-top:24px;display:grid;gap:10px;font-size:.86rem;color:#c2b69f}.footer-legal strong{color:#fff}.footer-legal p{margin:0}.legal-box{background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius-sm);padding:20px 22px}.legal-box p{margin:0 0 10px}.legal-box p:last-child{margin:0}.table-wrap{overflow-x:auto}.simple-table{width:100%;border-collapse:collapse;background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius-sm);overflow:hidden}.simple-table td,.simple-table th{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}.simple-table th{background:var(--sky-soft);font-family:var(--font-display)}.center{text-align:center}.mt-0{margin-top:0}.mt-2{margin-top:24px}.mt-3{margin-top:40px}.muted{color:var(--muted)}.check-list{list-style:none;padding:0;margin:0 0 1em}.check-list li{position:relative;padding-left:32px;margin-bottom:10px}.check-list li:before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--sage) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='white' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center /100% no-repeat}.x-list li:before{background:var(--clay) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M6.5 6.5l7 7M13.5 6.5l-7 7' fill='none' stroke='white' stroke-width='2.6' stroke-linecap='round'/%3E%3C/svg%3E") center /100% no-repeat}.notfound{text-align:center;padding:90px 0}.notfound .big{font-family:var(--font-display);font-weight:700;font-size:clamp(5rem,18vw,9rem);line-height:1;color:var(--clay);text-shadow:6px 6px 0 var(--ink)}.apply-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,.8fr);gap:36px;align-items:start}@media (max-width:900px){.apply-grid{grid-template-columns:1fr}}.section-ink a.card,.section-ink a.card p{color:var(--ink)}.footer-legal a{text-decoration:underline}