:root{--ink:#18211c;--muted:#667067;--paper:#faf7ef;--card:#fffdf7;--green:#2f6652;--green2:#e7f0ea;--amber:#d9912b;--line:#dfdfd5;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.68 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:var(--green);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#204738}
.wrap{width:min(calc(100% - 32px),var(--max));margin:auto}.topnote{background:#15261e;color:#f6f2e8;font-size:13px;padding:7px 0;text-align:center}
.site-header{position:sticky;top:0;z-index:20;background:rgba(250,247,239,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:22px;min-height:74px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:850;letter-spacing:-.02em}.brand svg{width:34px;height:34px}
.navlinks{display:flex;gap:18px;margin-left:auto;align-items:center}.navlinks a{text-decoration:none;color:var(--ink);font-size:14px;font-weight:700}.nav-cta,.button{display:inline-flex;align-items:center;justify-content:center;background:var(--amber);color:#1a1409!important;text-decoration:none!important;border-radius:10px;padding:11px 16px;font-weight:850;box-shadow:0 1px 0 rgba(0,0,0,.08)}.nav-cta:hover,.button:hover{filter:brightness(.96)}
.menu{display:none;border:0;background:none;font-size:26px;margin-left:auto}
.hero{padding:74px 0 48px;background:radial-gradient(circle at 85% 15%,#e7f0ea 0,transparent 34%)}.eyebrow{font-size:13px;letter-spacing:.12em;text-transform:uppercase;font-weight:900;color:var(--green)}
h1{font-size:clamp(42px,6vw,76px);line-height:1.02;letter-spacing:-.045em;max-width:900px;margin:.15em 0 .28em}h2{font-size:clamp(28px,4vw,40px);line-height:1.12;letter-spacing:-.03em;margin:1.6em 0 .5em}h3{font-size:22px;line-height:1.25;margin:1.4em 0 .35em}.lede{font-size:22px;line-height:1.55;color:#35423a;max-width:780px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.button.secondary{background:transparent;border:1px solid var(--line);color:var(--ink)!important;box-shadow:none}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}.card h3{margin-top:0}.card p{color:#4d5a52}.card .arrow{font-weight:850;text-decoration:none}
.section{padding:56px 0}.section.alt{background:#f1eee5}.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:60px;padding:48px 0 80px}.article main{min-width:0}.article h1{font-size:clamp(38px,5vw,62px)}.article p,.article li{color:#303a34}.article li{margin:.35em 0}.meta{color:var(--muted);font-size:14px}.disclosure{background:#fff7e5;border-left:4px solid var(--amber);padding:14px 16px;margin:22px 0;border-radius:0 9px 9px 0;font-size:14px}.toc{position:sticky;top:100px}.toc a{display:block;padding:7px 0;border-bottom:1px solid var(--line);font-size:14px;text-decoration:none;color:#46534b}
.callout{background:var(--green2);border:1px solid #cbdbd1;border-radius:14px;padding:20px 22px;margin:28px 0}.callout strong{display:block;margin-bottom:4px}.cta{background:#173d2f;color:white;border-radius:18px;padding:28px;margin:34px 0}.cta p{color:#e4eee8}.cta .button{margin-top:6px}.sourcebox{border-top:1px solid var(--line);margin-top:42px;padding-top:20px;font-size:14px;color:var(--muted)}.sourcebox li{margin:.4em 0}
.breadcrumbs{font-size:13px;color:var(--muted);padding-top:20px}.breadcrumbs a{color:var(--muted)}
.kpi{font-size:38px;font-weight:900;letter-spacing:-.04em}.small{font-size:14px;color:var(--muted)}
table{border-collapse:collapse;width:100%;margin:24px 0;background:var(--card)}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#f0eee5}
footer{background:#15261e;color:#dfe6e1;padding:46px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}footer a{color:#dfe6e1}.footer-note{color:#aebcb4;font-size:13px;max-width:650px}
.calc{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;background:var(--card);border:1px solid var(--line);padding:22px;border-radius:15px}.calc label{font-size:14px;font-weight:800}.calc input{width:100%;padding:11px;border:1px solid #cfd1c9;border-radius:8px;font:inherit;margin-top:5px}.calc .result{grid-column:1/-1;background:var(--green2);padding:16px;border-radius:10px}
@media(max-width:900px){.grid{grid-template-columns:1fr 1fr}.article{grid-template-columns:1fr}.toc{position:static}.navlinks{display:none;position:absolute;left:0;right:0;top:74px;background:var(--paper);padding:18px 24px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu{display:block}.nav-cta{display:none}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){body{font-size:16px}.hero{padding-top:48px}.grid,.calc{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.article{padding-top:30px}.calc .result{grid-column:auto}}