:root{
  --marsh:    #2b3d33;
  --marsh-dk: #1c2a22;
  --water:    #2f5d73;
  --sand:     #f5f1e8;
  --sand-dk:  #e9e2d3;
  --oat:      #b88a4a;

  --ink:      #1b2320;
  --text:     #3b4440;
  --muted:    #67706b;
  --line:     #e2ddd2;
  --paper:    #ffffff;
  --radius:   4px;
  --maxw:     1180px;
  --header-h: 76px;
}
*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;scroll-padding-top:96px;}
body{
  margin:0;
  font-family:'Public Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  font-size:17px;line-height:1.65;
  color:var(--text);background:var(--paper);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Source Serif 4',Georgia,serif;color:var(--ink);line-height:1.15;margin:0 0 0.5em;font-weight:600;}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem);letter-spacing:-0.01em;}
h2{font-size:clamp(1.55rem,2.6vw,2.1rem);}
h3{font-size:1.25rem;}
h4{font-size:1.05rem;}
p{margin:0 0 1rem;}
a{color:var(--water);}
img{max-width:100%;display:block;}
mark.todo{background:#ffe58a;color:#3a2f00;padding:0 3px;border-radius:2px;}

.container{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
.section{padding:clamp(56px,7vw,96px) 0;}
.section-alt{background:var(--sand);}
.section-head{max-width:720px;margin-bottom:36px;}
.lede{font-size:1.15rem;color:var(--muted);}
.eyebrow{font-size:0.9rem;font-weight:600;color:var(--oat);margin-bottom:8px;}

.btn{
  display:inline-block;font:inherit;font-weight:600;font-size:1rem;line-height:1.2;
  padding:0.85rem 1.4rem;border-radius:var(--radius);border:1px solid transparent;
  text-decoration:none;cursor:pointer;transition:background-color .15s,border-color .15s;
}
.btn-primary{background:var(--marsh);color:#fff;}
.btn-primary:hover{background:var(--marsh-dk);}
.btn-secondary{background:#fff;color:var(--marsh);border-color:#cfc8ba;}
.btn-secondary:hover{border-color:var(--marsh);}
.btn-light{background:#fff;color:var(--ink);}
.btn-light:hover{background:var(--sand);}
.btn-outline-light{color:#fff;border-color:rgba(255,255,255,.65);}
.btn-outline-light:hover{border-color:#fff;}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:var(--header-h);}
.brand{text-decoration:none;color:var(--ink);line-height:1.1;}
.brand-name{display:block;font-family:'Source Serif 4',Georgia,serif;font-weight:600;font-size:1.4rem;}
.brand small{display:block;margin-top:2px;font-size:.8rem;color:var(--muted);}
.site-nav{display:flex;align-items:center;gap:24px;}
.site-nav a{color:var(--text);text-decoration:none;font-weight:500;font-size:.95rem;}
.site-nav a:hover,.site-nav a[aria-current="page"]{color:var(--marsh);text-decoration:underline;text-underline-offset:6px;}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:var(--radius);padding:8px 12px;font:inherit;font-size:.95rem;color:var(--ink);cursor:pointer;}

/* Photo hero */
.photo-hero{position:relative;display:flex;align-items:flex-end;min-height:clamp(520px,82vh,860px);background:var(--marsh-dk);color:#fff;overflow:hidden;}
.photo-hero.short{min-height:clamp(380px,56vh,560px);}
.photo-hero > img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;}
.photo-hero::after{content:"";position:absolute;inset:0;
  background:linear-gradient(to top,rgba(12,18,15,.82) 0%,rgba(12,18,15,.45) 45%,rgba(12,18,15,.1) 75%,rgba(12,18,15,.25) 100%);}
.photo-hero .container{position:relative;z-index:1;width:100%;padding-top:64px;padding-bottom:clamp(40px,7vh,80px);}
.photo-hero h1{color:#fff;max-width:15em;}
.photo-hero .lede{color:rgba(255,255,255,.9);max-width:36em;margin-bottom:28px;}
.photo-hero .crumbs,.photo-hero .crumbs a{color:rgba(255,255,255,.85);}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;}
.photo-credit{position:absolute;right:12px;bottom:8px;z-index:1;font-size:.75rem;color:rgba(255,255,255,.7);margin:0;}

/* Plain page heading */
.page-head{background:var(--sand);padding:clamp(40px,6vw,72px) 0 clamp(28px,4vw,44px);border-bottom:1px solid var(--line);}
.page-head h1{max-width:20em;}
.page-head .lede{max-width:40em;}
.crumbs{font-size:.9rem;color:var(--muted);margin-bottom:14px;}
.crumbs a{color:var(--muted);}
.updated{font-size:.9rem;color:var(--muted);margin:0;}

/* Answer and facts boxes */
.quick-answer{background:var(--sand);border-left:4px solid var(--marsh);padding:18px 22px;margin:0 0 28px;border-radius:0 var(--radius) var(--radius) 0;}
.quick-answer p{margin:0;color:var(--ink);}
.short-version{background:var(--sand);border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;margin:0 0 32px;}
.short-version h2{font-size:1.3rem;margin-bottom:10px;}
.short-version ul{margin:0;padding-left:20px;}
.short-version li{margin-bottom:6px;}
.how-we{border:1px solid var(--line);border-left:4px solid var(--oat);padding:16px 20px;margin:24px 0;border-radius:0 var(--radius) var(--radius) 0;}
.how-we h3{font-size:1.05rem;margin-bottom:6px;}
.how-we p:last-child{margin:0;}

/* Prose */
.prose{max-width:760px;}
.prose h2{margin-top:2em;}
.prose h3{margin-top:1.6em;}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1rem;}
.prose li{margin-bottom:6px;}
.prose blockquote{margin:1.2em 0;padding-left:18px;border-left:3px solid var(--line);color:var(--muted);}
.table-wrap{overflow-x:auto;margin:0 0 1.4rem;}
table{border-collapse:collapse;width:100%;font-size:.95rem;}
th,td{text-align:left;padding:9px 12px;border-bottom:1px solid var(--line);vertical-align:top;}
thead th{background:var(--sand);color:var(--ink);font-weight:600;}
.sources{font-size:.92rem;}
.sources li{word-break:break-word;}
.toc{background:var(--sand);border-radius:var(--radius);padding:18px 24px;margin:0 0 32px;}
.toc h2{font-size:1.1rem;margin:0 0 8px;}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:32px;}
@media (max-width:700px){.toc ol{columns:1;}}

/* Article layout */
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start;}
.article-side{position:sticky;top:96px;display:grid;gap:24px;}
.side-cta{background:var(--marsh);color:#fff;padding:22px;border-radius:var(--radius);}
.side-cta h2{color:#fff;font-size:1.25rem;}
.side-cta p{color:rgba(255,255,255,.88);font-size:.95rem;}
.side-cta .btn{background:#fff;color:var(--ink);}
.side-link{display:block;margin-top:12px;color:#fff;font-size:.92rem;}
.side-related h2{font-size:1.1rem;}
.side-related ul{list-style:none;margin:0;padding:0;}
.side-related li{padding:8px 0;border-bottom:1px solid var(--line);font-size:.95rem;}
.side-related a{text-decoration:none;}
@media (max-width:960px){.article-layout{grid-template-columns:1fr;}.article-side{position:static;}}

/* FAQ */
details.faq{border-bottom:1px solid var(--line);padding:4px 0;}
details.faq summary{cursor:pointer;list-style:none;padding:14px 32px 14px 0;font-weight:600;color:var(--ink);position:relative;}
details.faq summary::-webkit-details-marker{display:none;}
details.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:1.3rem;color:var(--muted);}
details.faq[open] summary::after{content:"\2212";}
.faq-answer{padding:0 0 16px;}
.faq-answer p:last-child{margin:0;}
.faq-list{max-width:820px;}

/* Cards and grids */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px;}
.card{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--text);background:#fff;}
.card:hover{border-color:var(--marsh);}
.card strong{display:block;color:var(--ink);font-family:'Source Serif 4',Georgia,serif;font-size:1.15rem;margin-bottom:6px;}
.card small{display:block;color:var(--muted);font-size:.93rem;line-height:1.5;}
.hub-toc{font-size:.95rem;margin-bottom:24px;}
.hub-group{margin-bottom:48px;}
.hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;}
.hub-card{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--text);}
.hub-card:hover{border-color:var(--marsh);}
.hub-card strong{display:block;color:var(--ink);margin-bottom:4px;}
.hub-card small{display:block;color:var(--muted);font-size:.9rem;line-height:1.5;}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.split img{border-radius:var(--radius);width:100%;height:100%;object-fit:cover;aspect-ratio:4/3;}
@media (max-width:860px){.split{grid-template-columns:1fr;}}
.fact-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:18px;}
.fact{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;}
.fact b{display:block;font-family:'Source Serif 4',Georgia,serif;font-size:1.45rem;color:var(--ink);line-height:1.2;margin-bottom:6px;}
.fact span{display:block;font-size:.92rem;color:var(--text);line-height:1.5;}
.fact a{font-size:.85rem;}
.photo-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;}
.photo-strip img{width:100%;aspect-ratio:1/1;object-fit:cover;}
@media (max-width:700px){.photo-strip{grid-template-columns:repeat(2,1fr);}}

/* Calculators */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:32px;background:var(--sand);border-radius:var(--radius);padding:28px;margin-bottom:40px;}
@media (max-width:820px){.calc{grid-template-columns:1fr;}}
.calc label{display:block;font-weight:600;color:var(--ink);margin:0 0 6px;font-size:.95rem;}
.calc .field{margin-bottom:18px;}
.calc input[type=number],.calc input[type=text],.calc select{width:100%;font:inherit;padding:10px 12px;border:1px solid #cfc8ba;border-radius:var(--radius);background:#fff;}
.calc .radio{display:flex;gap:10px;flex-wrap:wrap;}
.calc .radio label{font-weight:500;display:flex;align-items:center;gap:6px;background:#fff;border:1px solid #cfc8ba;border-radius:var(--radius);padding:8px 12px;cursor:pointer;}
.calc .hint{font-size:.85rem;color:var(--muted);margin-top:4px;}
.calc-result{background:#fff;border-radius:var(--radius);padding:22px;border:1px solid var(--line);}
.calc-result .big{font-family:'Source Serif 4',Georgia,serif;font-size:2.2rem;color:var(--ink);line-height:1.1;margin-bottom:4px;}
.calc-result table td:last-child{text-align:right;white-space:nowrap;}
.calc-result tr.total td{font-weight:600;color:var(--ink);border-top:2px solid var(--ink);}

/* Contact */
.contact-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:20px;}
.contact-card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;}
form.lead{display:grid;gap:14px;max-width:620px;}
form.lead label{font-weight:600;color:var(--ink);font-size:.95rem;}
form.lead input,form.lead textarea,form.lead select{width:100%;font:inherit;padding:10px 12px;border:1px solid #cfc8ba;border-radius:var(--radius);}

/* CTA band and footer */
.cta-band{background:var(--marsh);color:#fff;padding:48px 0;}
.cta-inner{display:flex;flex-wrap:wrap;gap:20px 40px;align-items:center;justify-content:space-between;}
.cta-band h2{color:#fff;margin-bottom:6px;}
.cta-band p{margin:0;color:rgba(255,255,255,.88);max-width:40em;}
.site-footer{background:var(--marsh-dk);color:rgba(255,255,255,.78);padding:56px 0 28px;font-size:.95rem;}
.site-footer a{color:rgba(255,255,255,.9);}
.site-footer h4{color:#fff;font-size:1.05rem;}
.site-footer h4 a{color:#fff;text-decoration:none;}
.footer-top{display:grid;grid-template-columns:1.3fr 1.6fr 1fr;gap:40px;}
.footer-brand{font-family:'Source Serif 4',Georgia,serif;font-size:1.35rem;color:#fff;margin-bottom:10px;}
.footer-col ul{list-style:none;margin:0;padding:0;}
.footer-col li{margin-bottom:6px;}
.footer-col a{text-decoration:none;}
.footer-col a:hover{text-decoration:underline;}
.footer-cols-2{columns:2;column-gap:24px;}
.footer-legal{margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,255,255,.15);font-size:.85rem;}
.eho{font-weight:600;color:#fff;}
.footer-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;margin-top:20px;font-size:.85rem;}
@media (max-width:900px){.footer-top{grid-template-columns:1fr;}}

@media (max-width:980px){
  .nav-toggle{display:block;}
  .site-nav{display:none;position:absolute;top:var(--header-h);left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;gap:0;padding:8px 24px 16px;border-bottom:1px solid var(--line);}
  .site-nav.open{display:flex;}
  .site-nav a{padding:10px 0;width:100%;}
}