:root{--ink:#1d2433;--muted:#5a6475;--brand:#b8322a;--brand-d:#952620;--bg:#fbf8f3;--band:#f1ebe1;--card:#fff;--line:#e3dccf;--ok:#2f6f4f}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.6 Georgia,"Iowan Old Style","Times New Roman",serif;color:var(--ink);background:var(--bg)}
h1,h2,h3,.logo,button,.btn,.top-cta,label,.eyebrow,.fine,summary{font-family:"Helvetica Neue",Arial,system-ui,sans-serif}
a{color:var(--brand)}
.wrap{max-width:1100px;margin:0 auto;padding:0 16px}
.top{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.top-in{display:flex;align-items:center;justify-content:space-between;height:60px}
.logo{text-decoration:none;color:var(--ink);font-size:17px;letter-spacing:-.2px}
.logo b{color:var(--brand)}
.mark{color:var(--brand);font-size:20px}
.top-cta{background:var(--brand);color:#fff;text-decoration:none;padding:8px 14px;border-radius:6px;font-weight:600;font-size:15px}
.hero{padding:40px 0 48px}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:13px;color:var(--brand);font-weight:700;margin:0 0 8px}
h1{font-size:44px;line-height:1.1;margin:0 0 16px;letter-spacing:-.8px}
h2{font-size:28px;line-height:1.2;margin:0 0 16px;letter-spacing:-.4px}
h3{font-size:17px;margin:0 0 6px}
.lead{font-size:19px;color:var(--muted)}
.ticks{list-style:none;padding:0;margin:20px 0 0}
.ticks li{padding-left:28px;position:relative;margin:8px 0}
.ticks li:before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 10px 30px rgba(29,36,51,.07)}
.form label{display:block;font-size:14px;font-weight:600;margin:0 0 12px}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:4px;padding:11px 12px;border:1px solid #cfc6b6;border-radius:6px;font:16px Arial,sans-serif;background:#fff;color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--brand);outline-offset:1px;border-color:var(--brand)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important;font-size:12px!important;line-height:1.45;color:var(--muted)}
.consent input{width:auto!important;margin-top:3px!important;flex:0 0 auto}
button,.btn{display:inline-block;width:100%;background:var(--brand);color:#fff;border:0;border-radius:8px;padding:14px 18px;font-size:17px;font-weight:700;cursor:pointer;text-decoration:none;text-align:center}
.btn{width:auto;padding:14px 28px}
button:hover,.btn:hover,.top-cta:hover{background:var(--brand-d)}
.fine{font-size:12px;color:var(--muted);margin:10px 0 0}
.hp{position:absolute;left:-9999px}
.steps{padding:48px 16px}
.steps ol{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding:0;margin:0;list-style:none;counter-reset:s}
.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:20px}
.steps li:before{content:counter(s);display:inline-grid;place-items:center;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;font:700 15px Arial,sans-serif;margin-bottom:10px}
.band{background:var(--band);padding:48px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.tip{background:var(--card);border-radius:10px;padding:18px;border:1px solid var(--line)}
.tip p{margin:0;color:var(--muted);font-size:16px}
.center{text-align:center;margin:28px 0 0}
.faq{padding:48px 16px;max-width:800px}
details{border-bottom:1px solid var(--line);padding:14px 0}
summary{cursor:pointer;font-weight:700;font-size:17px}
details p{color:var(--muted);margin:10px 0 0}
.contact-in{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.email{font-family:Arial,sans-serif;font-size:16px}
.foot{padding:32px 0;font-size:13px;color:var(--muted);font-family:Arial,sans-serif}
.foot p{margin:0 0 10px}
.page{max-width:800px;padding:40px 16px}
.page h1{font-size:34px}
.page h2{font-size:22px;margin-top:28px}
@media (max-width:820px){
  .hero-in,.contact-in{grid-template-columns:1fr;gap:24px}
  h1{font-size:34px}
  .steps ol{grid-template-columns:1fr}
}
@media (max-width:420px){.row{grid-template-columns:1fr;gap:0}}
.nav{display:flex;align-items:center;gap:14px}
.nav a:not(.top-cta){font:600 15px Arial,sans-serif;color:var(--ink);text-decoration:none}
.crumbs{font:13px Arial,sans-serif;color:var(--muted);margin:0 0 12px}
.crumbs a{color:var(--muted)}
.meta{font:13px Arial,sans-serif;color:var(--muted);margin:-6px 0 24px}
.article p,.article li{font-size:18px}
.article h2{font-size:24px;margin-top:36px}
.article h3{font-size:19px;margin-top:22px}
.article .lede,.guides .lede{font-size:20px;color:var(--ink)}
.cta-box{background:var(--band);border:1px solid var(--line);border-left:5px solid var(--brand);border-radius:10px;padding:22px;margin:36px 0}
.cta-box h2{margin:0 0 8px!important;font-size:22px}
.cta-box p{margin:0 0 16px}
.sources li{font-size:15px!important}
.guide-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:24px 0}
.guide-card{display:block;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:20px;text-decoration:none;color:var(--ink)}
.guide-card:hover{border-color:var(--brand)}
.guide-card h2{font-size:19px;margin:0 0 8px;color:var(--brand)}
.guide-card p{margin:0;color:var(--muted);font-size:16px}
.page.guides{max-width:1000px}