:root{color-scheme:light;--bg:#faf7f1;--bg-tint:#f4eee3;--bg-card:#fffdf9;--ink:#2b3138;--ink-soft:#545e69;--ink-faint:#5f6872;--line:#e6ddce;--blue:#7ba7cb;--blue-deep:#3d6c92;--blue-deeper:#2e5474;--blue-mist:#e2edf4;--blue-ghost:#f1f6fa;--focus:#35719b;--clay:#b08768;--clay-deep:#8a6244;--clay-soft:#ecdfd0;--clay-ghost:#f8f2ea;--flag-ink:#8a2f2a;--flag-bg:#f3dedd;--check-ink:#7a5312;--check-bg:#f6ebd6;--surface-0:#fffdf9;--surface-1:#faf7f1;--surface-2:#f7f2e8;--surface-3:#edf3f8;--surface-4:#f2ebdc;--surface-ink:#2b3138;--on-ink:#f3eee6;--on-ink-soft:#cbc4ba;--on-ink-faint:#aaa39a;--on-ink-blue:#9ec4e2;--on-ink-clay:#d9b795;--header-bg:#faf7f1c7;--header-bg-scrolled:#faf7f1ed;--grad-brand:linear-gradient(135deg,#3d6c92,#7ba7cb 45%,#d3bb9d);--grad-hero:linear-gradient(168deg,#f7f2e8,#faf7f1 52%,#f4f2ec);--grad-mist:linear-gradient(160deg,#e2edf4,#f4ecdf);--grad-ink:linear-gradient(150deg,#343b43,#2b3138 55%,#302b25);--grain:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.82' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='.34'/%3E%3C/svg%3E");--shadow-xs:0 1px 1px #4a3c2c08,0 1px 3px #4a3c2c0a;--shadow-sm:0 1px 2px #4a3c2c0a,0 3px 10px #4a3c2c0d;--shadow-md:0 2px 4px #4a3c2c0a,0 10px 28px #4a3c2c12;--shadow-lg:0 4px 8px #4a3c2c0d,0 20px 48px #4a3c2c17;--shadow-xl:0 8px 16px #4a3c2c0f,0 36px 80px #4a3c2c1c;--shadow-warm:0 2px 6px #8a62440f,0 16px 40px #8a62441a;--ridge-blue:#e9eff5;--ridge-blue-2:#dde8ef;--ridge-warm:#eee0cf;--space-1:4px;--space-2:8px;--space-3:12px;--space-4:16px;--space-5:20px;--space-6:24px;--space-8:32px;--space-10:40px;--space-12:48px;--space-14:56px;--space-16:64px;--space-20:80px;--radius-xs:7px;--radius-sm:11px;--radius:16px;--radius-lg:22px;--radius-xl:30px;--radius-pill:999px;--ease:cubic-bezier(.22,.61,.36,1);--ease-inout:cubic-bezier(.4,0,.2,1);--dur-fast:140ms;--dur-base:260ms;--dur-slow:520ms;--dur-reveal:380ms;--fs-overline:.76rem;--fs-small:.9rem;--fs-body:1.0625rem;--fs-lead:clamp(1.09rem,1.0rem + .42vw,1.28rem);--fs-h4:clamp(1.02rem,.98rem + .2vw,1.12rem);--fs-h3:clamp(1.16rem,1.06rem + .42vw,1.34rem);--fs-h2:clamp(1.55rem,1.24rem + 1.32vw,2.3rem);--fs-h1:clamp(2.05rem,1.5rem + 2.4vw,3.35rem);--fs-display:clamp(2.4rem,1.55rem + 3.6vw,4.4rem);--maxw:1080px;--maxw-wide:1240px;--maxw-article:880px;--maxw-narrow:720px}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font-body);font-size:var(--fs-body);line-height:1.62;font-synthesis-weight:none;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}h1,h2,h3,h4{font-family:var(--font-display);color:var(--ink);font-weight:500}h1{font-size:var(--fs-h1);line-height:1.06;letter-spacing:-.022em;margin:0 0 .32em}h2{font-size:var(--fs-h2);line-height:1.12;letter-spacing:-.018em;margin:0 0 .4em}h3{font-size:var(--fs-h3);line-height:1.26;letter-spacing:-.012em;margin:0 0 .35em}h3,h4{font-weight:600}h4{font-size:var(--fs-h4);line-height:1.3;letter-spacing:-.008em;margin:0 0 .3em}p{margin:0 0 .85em}a{color:var(--blue-deep);text-decoration:none}img{max-width:100%;display:block}::selection{background:var(--clay-soft);color:var(--ink)}.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}.container--wide{max-width:var(--maxw-wide)}.container--article{max-width:var(--maxw-article)}.container--narrow{max-width:var(--maxw-narrow)}.section{padding:56px 0;position:relative}@media screen{main>.section:nth-of-type(n+3){content-visibility:auto;contain-intrinsic-size:auto 900px}}.section--tint{background:var(--surface-3)}.section--ghost{background:var(--blue-ghost)}.section--warm{background:var(--surface-2)}.section--sand{background:var(--surface-4)}.eyebrow{font-family:var(--font-body);font-size:var(--fs-overline);font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--blue-deep);margin:0 0 10px;display:flex;align-items:center;gap:9px}.eyebrow:before{content:"";width:20px;height:1.5px;background:var(--clay);border-radius:2px;flex:none}.center .eyebrow{justify-content:center}.lede{font-size:var(--fs-lead);line-height:1.52;color:var(--ink-soft);max-width:35.33em}.center{text-align:center}.center .lede{margin-left:auto;margin-right:auto}.btn{display:inline-block;font-family:var(--font-body);font-weight:600;font-size:1rem;padding:12px 24px;border-radius:999px;border:1.5px solid #0000;cursor:pointer;transition:all .18s ease}.btn,.btn:hover{text-decoration:none}.btn--primary{background:var(--blue-deep);color:#fff;box-shadow:var(--shadow-sm)}.btn--primary:hover{background:var(--blue-deeper);transform:translateY(-1px);box-shadow:var(--shadow-md)}.btn--ghost{background:#0000;color:var(--blue-deep);border-color:var(--line)}.btn--ghost:hover{border-color:var(--blue);background:var(--blue-ghost)}.btn-row{display:flex;gap:16px;flex-wrap:wrap}.center .btn-row{justify-content:center}.nav{display:flex;align-items:center;justify-content:space-between;height:70px}.brand{font-family:var(--font-display);font-weight:600;font-size:1.24rem;color:var(--ink);letter-spacing:-.01em}.brand:hover{text-decoration:none}.brand span{color:var(--blue-deep)}.nav-links a{color:var(--ink-soft);font-size:.96rem;font-weight:500}.nav-links a:hover{color:var(--blue-deep);text-decoration:none}.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:11px;min-width:44px;min-height:44px}.hero{background:linear-gradient(180deg,var(--blue-ghost) 0,var(--bg) 100%);padding:86px 0 70px}.hero h1{max-width:10.59em}.hero .lede{margin-top:.5em;margin-bottom:1.8em}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .18s ease}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}.card h3{margin-bottom:.4em}.card h2.card-title{font-size:1.22rem;margin:0 0 .4em}.card p{color:var(--ink-soft);font-size:.98rem;margin-bottom:.8em}.card .more{font-weight:600;font-size:.94rem;color:var(--blue-deep)}.card a.card-link{display:block;color:inherit}.card a.card-link:hover{text-decoration:none}.hero-split{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}.portrait{max-width:420px;width:100%;justify-self:end;border-radius:var(--radius);overflow:hidden;background:var(--blue-mist);border:1px solid var(--line);box-shadow:var(--shadow-md)}.portrait img{width:100%;height:auto}.figure{margin:32px 0 40px;padding:0}.prose .figure{width:min(1032px,calc(100vw - 48px));margin-left:50%;transform:translateX(-50%)}.figure-scroll{overflow-x:auto;overflow-y:hidden;overscroll-behavior-x:contain;-webkit-overflow-scrolling:touch}.figure img,.figure-scroll{border-radius:var(--radius)}.figure img{display:block;width:100%;min-width:660px;height:auto;border:1px solid var(--line);background:var(--blue-ghost);box-shadow:var(--shadow-sm)}.figure figcaption{margin-top:12px;font-size:.9rem;line-height:1.5;color:var(--ink-faint);padding-left:16px;border-left:3px solid var(--blue-mist)}.figure-hint{display:none;margin:8px 0 0;font-size:.8rem;color:var(--ink-faint)}.byline{margin:0 0 32px;padding:16px 24px;background:var(--blue-ghost);border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:var(--radius-sm)}.byline-line{margin:0 0 8px;font-size:.97rem;color:var(--ink)}.byline-meta{margin:0 0 4px;font-size:.85rem;color:var(--ink-faint);line-height:1.55}.byline-meta:last-child{margin-bottom:0}.byline-meta a{color:var(--blue-deep)}.glossary{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;margin:0;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.glossary-item{background:var(--bg-card);padding:16px;scroll-margin-top:88px;transition:background var(--dur-base) var(--ease)}.glossary-item:hover{background:var(--blue-ghost)}.glossary dt{font-family:var(--font-display);font-size:1.01rem;font-weight:600;color:var(--ink);margin:0 0 5px}.glossary-also{display:block;font-family:var(--font-body);font-size:.76rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue-deep);margin-top:4px}.glossary dd{margin:0;font-size:.925rem;line-height:1.52;color:var(--ink-soft)}@media (max-width:1000px){.glossary{grid-template-columns:repeat(2,1fr)}}@media (max-width:640px){.glossary{grid-template-columns:1fr}}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.quote{font-family:var(--font-display);font-size:1.5rem;line-height:1.4;color:var(--ink);border-left:3px solid var(--blue);padding-left:24px;margin:0}.quote cite{display:block;font-family:var(--font-body);font-size:.92rem;font-style:normal;color:var(--ink-faint);margin-top:12px;font-weight:600}.steps{counter-reset:step;display:grid;gap:20px}.step{display:flex;gap:16px;align-items:flex-start}.step-num{flex:none;width:40px;height:40px;border-radius:50%;background:var(--blue-mist);color:var(--blue-deep);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:1.05rem}.checklist{list-style:none;padding:0;margin:0}.checklist li{position:relative;padding-left:28px;margin-bottom:9px;color:var(--ink-soft)}.checklist li:before{content:"";position:absolute;left:0;top:9px;width:16px;height:16px;border-radius:50%;background:var(--blue-mist);box-shadow:inset 0 0 0 2px var(--blue)}.checklist li:after{content:"";position:absolute;left:5px;top:13px;width:5px;height:8px;border-right:2px solid var(--blue-deep);border-bottom:2px solid var(--blue-deep);transform:rotate(40deg)}.fee-table{width:100%;border-collapse:collapse;margin:8px 0 4px;background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.fee-table td,.fee-table th{padding:16px;text-align:left;border-bottom:1px solid var(--line)}.fee-table th{background:var(--blue-mist);font-family:var(--font-body);font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;color:var(--blue-deep);font-weight:700}.fee-table td{color:var(--ink-soft)}.fee-table td:last-child{font-weight:600;color:var(--ink)}.fee-table tr:last-child td{border-bottom:0}.faq-item{border-bottom:1px solid var(--line);padding:4px 0}.faq-item summary{cursor:pointer;padding:16px 0;font-family:var(--font-display);font-size:1.12rem;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--blue);font-size:1.4rem;flex:none;transition:transform .2s}.faq-item[open] summary:after{transform:rotate(45deg)}.faq-item p{color:var(--ink-soft);padding:0 0 16px;margin:0;max-width:44.16em}.info-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.info-block h3{font-family:var(--font-body);font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-deep);margin-bottom:6px}.info-block p{color:var(--ink-soft);margin:0}.crisis{background:var(--blue-mist);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin-top:8px}.crisis strong{color:var(--ink)}.chip-grid{display:flex;flex-wrap:wrap;gap:10px}.chip{display:inline-flex;align-items:center;min-height:44px;background:var(--bg-card);border:1px solid var(--line);border-radius:999px;padding:10px 16px;font-size:.92rem;color:var(--ink-soft)}.chip:hover{border-color:var(--blue);color:var(--blue-deep);text-decoration:none}.cta-band{background:linear-gradient(135deg,var(--blue-deeper),var(--blue-deep));text-align:center;border-radius:20px;padding:56px 32px;margin:0 auto}.cta-band,.cta-band h2{color:#fff}.cta-band p{color:#fff;max-width:30.28em;margin:0 auto 24px}.cta-band .btn--primary{background:#fff;color:var(--blue-deep)}.cta-band .btn--primary:hover{background:var(--blue-ghost)}.site-footer h2{color:#fff;font-family:var(--font-body);font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}.site-footer a{color:var(--on-ink-soft);font-size:.95rem;display:block;margin-bottom:8px}.site-footer a:hover{color:#fff}.footer-brand span{color:var(--blue)}.prose{max-width:41.64em;overflow-wrap:break-word}.prose h2{margin-top:1.35em}.prose ul{padding-left:0}.crumb{font-size:.88rem;margin-bottom:18px}.crumb,.crumb a{color:var(--ink-faint)}.crumb a:hover{color:var(--blue-deep)}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}.skip-link{position:absolute;left:-9999px;top:0;background:var(--blue-deep);color:#fff;padding:10px 16px;z-index:100;border-radius:0 0 8px 0}.skip-link:focus{left:0}@media (max-width:740px){.figure-hint{display:block}.glossary{grid-template-columns:1fr;gap:16px}}@media (max-width:860px){.split{gap:28px}.hero-split,.split{grid-template-columns:1fr}.hero-split{gap:34px}.portrait{max-width:340px;justify-self:center}.footer-grid,.grid-3{grid-template-columns:1fr 1fr}}@media (max-width:680px){body{font-size:16px}.section{padding:34px 0}.footer-grid,.grid-2,.grid-3,.info-grid{grid-template-columns:1fr}}.sticky-book{display:none}@media (max-width:1020px){.sticky-book{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--surface-ink);border-top:1px solid #ffffff24;box-shadow:0 -6px 22px #2b313838;padding:7px 10px calc(8px + env(safe-area-inset-bottom))}.sticky-book-text{margin:0 0 6px;text-align:center;font-size:.76rem;line-height:1.25;color:var(--on-ink-soft)}.sticky-book-actions{display:flex;gap:6px;max-width:var(--maxw);margin:0 auto}.sticky-book-btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;min-height:46px;padding:0 12px;border-radius:9px;font-weight:600;font-size:.88rem;line-height:1.1;text-decoration:none;white-space:nowrap;transition:transform .15s ease,background .15s ease}.sticky-book-btn:active{transform:translateY(1px)}.sb-mail{flex:1 1 auto;background:var(--surface-0);color:var(--blue-deep)}.sb-book{flex:1 1 auto;background:var(--blue);color:var(--ink)}.sb-call{flex:0 0 46px;padding:0;background:#ffffff1f;color:var(--on-ink)}.sb-call--wide{flex:1 1 auto;padding:0 12px}}@media (max-width:380px){.sticky-book-btn{font-size:.82rem;padding:0 9px;gap:5px}}@media (max-width:420px){.container{padding:0 18px}.hero{padding:40px 0 36px}h1{font-size:1.75rem}.lede{font-size:1.06rem}.btn{padding:12px 20px;font-size:.96rem}.btn-row{gap:10px}.btn-row .btn{flex:1 1 100%;text-align:center}.prose .figure{width:calc(100vw - 36px)}.fee-table td,.fee-table th{padding:11px 13px}.glossary-item{padding:16px 18px}.byline{padding:15px 17px}}@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}.page-loading{display:flex;align-items:center;gap:.6rem;color:var(--ink-faint);font-size:1.05rem}.page-loading__dot{width:.7rem;height:.7rem;border-radius:50%;background:currentColor;opacity:.35;animation:page-loading-pulse 1.1s ease-in-out infinite}@keyframes page-loading-pulse{0%,to{opacity:.2;transform:scale(.85)}50%{opacity:.7;transform:scale(1)}}@media (prefers-reduced-motion:reduce){.page-loading__dot{animation:none;opacity:.45}}