:root{--pine:#0B3B39;--pine2:#14524C;--teal:#2E7D6B;--gold:#C9A227;--gold2:#E8C86A;--cream:#FAF6EC;--sand:#EFE6D2;--ink:#182420;--mut:#52605A;--line:#D8CFBB;--red:#9B3B2E;--radius:14px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:ui-sans-system,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}h1,h2,h3{font-family:ui-serif,Georgia,Times New Roman,serif;line-height:1.12;color:var(--pine);margin:0 0 .6rem}h1{font-size:clamp(2rem,5vw,3.4rem)}h2{font-size:clamp(1.5rem,3vw,2.1rem);margin-top:2.2rem}h3{font-size:1.22rem}a{color:var(--pine2);text-underline-offset:3px}a:hover{color:var(--teal)}.container{max-width:1120px;margin:0 auto;padding:0 20px}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:99}.site-header{position:sticky;top:0;background:rgba(250,246,236,.97);border-bottom:3px solid var(--gold);z-index:50}.header-in{justify-content:space-between;padding:10px 20px}.header-in,.header-in nav{display:flex;align-items:center;gap:16px;flex-wrap:wrap}.header-in nav a{font-weight:600;text-decoration:none;font-size:.95rem}.logo-lockup{display:inline-flex;gap:10px;align-items:center;text-decoration:none}.logo-words{display:grid;line-height:1;color:var(--pine)}.logo-words strong{font-family:ui-serif,Georgia,serif;font-size:1.05rem}.logo-words span{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);font-weight:700}.logo-words-light strong{color:#fff}.logo-words-light span,.region-strip{color:var(--gold2)}.region-strip{display:flex;gap:0;background:var(--pine);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;overflow:hidden}.region-strip span{flex:1;text-align:center;padding:5px 4px;border-right:1px solid 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h2{margin-top:0;font-size:1.35rem}.section{padding:28px 0}.grid3{grid-template-columns:repeat(3,1fr)}.grid2,.grid3{display:grid;gap:16px}.grid2{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px}.card h3{margin-top:0}.quick{background:#FFF8E2;border-left:6px solid var(--gold);border-radius:10px;padding:16px 18px;margin:18px 0}.quick h2{margin:0 0 6px;font-size:1.1rem;font-family:inherit;letter-spacing:.06em;text-transform:uppercase}.quick p{margin:0}.tldr{font-size:1.06rem;max-width:72ch}.crumbs ol{display:flex;flex-wrap:wrap;gap:4px;list-style:none;padding:0;margin:18px 0 8px;font-size:.9rem;color:var(--mut)}.page-head{padding:26px 0 6px}.prose{max-width:78ch}.prose p{margin:.7rem 0}table{border-collapse:collapse;width:100%;margin:16px 0;background:#fff}td,th{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--sand)}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:10px 0}.faq-list summary{font-weight:700;cursor:pointer;color:var(--pine)}.lead-form label{display:grid;gap:5px;font-weight:600;font-size:.92rem}.calc input,.calc select,.lead-form input,.lead-form select,.lead-form textarea{padding:10px;border:1px solid #b9ae93;border-radius:8px;font:inherit;background:#fff;width:100%}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.span2{grid-column:span 2}.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}.consent{display:flex!important;gap:10px;align-items:flex-start;margin:14px 0;font-weight:400!important}.consent input{width:auto;margin-top:5px}.form-block{background:#FDECEA;border:1px solid var(--red);color:#6E1F16;border-radius:8px;padding:10px 12px}.form-note{font-size:.86rem;color:var(--mut)}.form-done{background:#EAF5EC;border:1px solid var(--teal);border-radius:10px;padding:18px}.calc{display:grid;grid-template-columns:1fr 1fr;gap:20px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}.calc-inputs{display:grid;gap:12px}.calc-inputs label{display:grid;gap:5px;font-weight:600;font-size:.92rem}.calc-dscr{font-size:3rem;font-family:ui-serif,Georgia,serif;color:var(--pine);margin:0}.calc-dscr span{font-size:1.1rem}.calc-out dl div{display:flex;justify-content:space-between;border-bottom:1px dashed var(--line);padding:6px 0}.cta-band{background:var(--pine);color:#EAF3EC;padding:34px 0;margin:36px 0 0}.cta-band h2{color:#fff;margin-top:0}.site-footer{background:#072522;color:#C9D8CE;padding:38px 0 26px;margin-top:0}.site-footer a{color:var(--gold2)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:22px}.footer-grid h2{color:#fff;font-size:1rem;font-family:inherit}.footer-grid ul{list-style:none;padding:0;margin:0;display:grid;gap:7px;font-size:.92rem}.compliance{border-top:1px solid rgba(255,255,255,.2);margin-top:26px;padding-top:16px;font-size:.86rem}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}@media(max-width:860px){.calc,.footer-grid,.form-grid,.grid2,.grid3,.hero-grid,.related{grid-template-columns:1fr}.span2{grid-column:span 1}.region-strip span:nth-child(n+4){display:none}}