:root{--background: oklch(96.8% .011 48);--paper: oklch(99% .006 55);--paper-quiet: oklch(94.2% .018 43);--line: oklch(78% .032 42);--line-strong: oklch(58% .062 37);--ink: oklch(16% .034 34);--text: oklch(24% .03 34);--muted: oklch(42% .031 36);--muted-2: oklch(56% .04 39);--forest: oklch(31% .074 36);--forest-2: oklch(39% .09 38);--mineral: oklch(44% .08 27);--clay: oklch(57% .13 39);--clay-dark: oklch(42% .105 37);--white: oklch(98.5% .012 58);--dark-line: oklch(86% .04 55 / .22);--max: 1180px;--gutter: clamp(1rem, 4vw, 2.5rem);--space-xs: .5rem;--space-sm: .75rem;--space-md: 1rem;--space-lg: 1.5rem;--space-xl: 2rem;--space-2xl: clamp(2.6rem, 6vw, 5.5rem);--space-3xl: clamp(4.4rem, 8vw, 7.5rem);--font-body: Afacad, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--font-display: Literata, Georgia, serif;color-scheme:light;background:var(--background);color:var(--text);font-family:var(--font-body);font-kerning:normal;font-optical-sizing:auto}*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}body{margin:0;background:var(--background);color:var(--text);font-size:1.0625rem;line-height:1.62;overflow-x:clip}img{display:block;max-width:100%}a{color:inherit;text-decoration:none}p,li{color:var(--muted);margin-top:0}p:last-child,li:last-child{margin-bottom:0}h1,h2,h3{margin:0;color:var(--ink);font-family:var(--font-display);font-weight:600;letter-spacing:0;text-wrap:balance}h1{max-width:900px;font-size:clamp(2.25rem,4.5vw,4rem);line-height:.98}h2{max-width:820px;font-size:clamp(1.75rem,3.1vw,2.75rem);line-height:1.08}h3{font-size:clamp(1.08rem,1.25vw,1.28rem);line-height:1.2}.site-shell{min-height:100vh}.container{width:min(var(--max),calc(100% - (var(--gutter) * 2)));margin-inline:auto}.site-header{position:sticky;top:0;z-index:20;background:#fffbf8e6;border-bottom:1px solid var(--line);backdrop-filter:blur(18px) saturate(130%)}.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:var(--space-xl);min-width:0}.brand{display:grid;gap:.16rem;line-height:1.05}.brand strong{color:var(--ink);font-family:var(--font-display);font-size:1.28rem;font-weight:600}.brand span{color:var(--muted);font-size:.86rem}.nav-links{display:flex;align-items:center;gap:clamp(.85rem,2vw,1.45rem);color:var(--muted);font-size:.92rem;font-weight:600;white-space:nowrap;min-width:0;max-width:100%}.nav-links a{min-height:44px;display:inline-flex;align-items:center}.nav-links a:hover{color:var(--ink)}.button{min-height:44px;display:inline-flex;align-items:center;justify-content:center;gap:.45rem;padding:.72rem 1.1rem;border:1px solid var(--forest);border-radius:3px;background:var(--forest);color:var(--white);font-weight:700;line-height:1.1;text-align:center;transition:transform .18s ease,background .18s ease,border-color .18s ease,color .18s ease}.button:hover{transform:translateY(-1px);background:var(--clay-dark);border-color:var(--clay-dark)}.button:focus-visible,.nav-links a:focus-visible,.area-ledger a:focus-visible,.guide-index a:focus-visible,.card:focus-visible{outline:3px solid oklch(53% .12 42 / .34);outline-offset:3px}.button.secondary{background:transparent;border-color:var(--line-strong);color:var(--forest)}.button.secondary:hover{background:var(--forest);border-color:var(--forest);color:var(--white)}.hero{position:relative;min-height:clamp(680px,calc(100svh - 74px),860px);display:grid;align-items:end;overflow:hidden;background:var(--ink)}.hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center bottom;opacity:.68;filter:saturate(.82) contrast(1.05)}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,oklch(18% .032 150 / .9),transparent 48%),linear-gradient(90deg,#07150ae6,#07150a7a 48%,#07150a14)}.hero-content{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1fr) minmax(18rem,28rem);gap:clamp(2rem,7vw,5.5rem);align-items:end;padding-block:clamp(5rem,9vw,7.5rem) clamp(2.5rem,6vw,4rem)}.hero h1,.hero h2,.hero h3,.hero p,.hero li{color:var(--white)}.hero-copy{max-width:650px}.hero-copy p:not(.eyebrow){max-width:620px;margin:1.35rem 0 0;color:#dfe8dbd1;font-size:clamp(1.08rem,1.5vw,1.25rem);line-height:1.66}.eyebrow{margin:0 0 1rem;color:var(--clay-dark);font-size:.93rem;font-weight:700;line-height:1.2}.hero .eyebrow,.section.dark .eyebrow,.review-copy .eyebrow{color:#dcd8bfc2}.hero-actions,.section-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}.hero .button.secondary,.section.dark .button.secondary,.review-copy+.paper-panel .button.secondary{border-color:#dfe8db6b;color:var(--white)}.hero .button.secondary:hover,.section.dark .button.secondary:hover{background:var(--white);border-color:var(--white);color:var(--forest)}.trust-row{display:flex;flex-wrap:wrap;gap:.5rem;padding:0;margin:2rem 0 0;list-style:none}.trust-row li{padding:.42rem .72rem;border:1px solid oklch(92% .02 135 / .24);border-radius:3px;background:#dfe8db14;color:#dfe8dbd6;font-size:.9rem;font-weight:600}.advisory-brief{padding:1.35rem 0 0;border-top:1px solid oklch(92% .02 135 / .36)}.advisory-brief h3{margin-bottom:.55rem;font-size:clamp(1.6rem,2.8vw,2.2rem)}.advisory-brief p:not(.eyebrow){color:#dfe8dbb8}.advisory-brief dl{margin:1.35rem 0 0;border-top:1px solid oklch(92% .02 135 / .24)}.advisory-brief dl div{display:grid;grid-template-columns:5.2rem 1fr;gap:1rem;padding:.9rem 0;border-bottom:1px solid oklch(92% .02 135 / .24)}.advisory-brief dt{color:#dcd8bf9e;font-size:.78rem;font-weight:700}.advisory-brief dd{margin:0;color:var(--white)}.section{position:relative;padding:var(--space-3xl) 0}.section.narrow{padding:var(--space-2xl) 0}.section+.section:not(.dark){border-top:1px solid var(--line)}.section.dark{background:linear-gradient(135deg,oklch(43% .065 205 / .2),transparent 34rem),var(--forest)}.section.dark h2,.section.dark h3,.section.dark p,.section.dark li{color:var(--white)}.section.dark p,.section.dark li{color:#dfe8dbc2}.section-intro{display:grid;grid-template-columns:minmax(0,.92fr) minmax(17rem,.56fr);gap:clamp(1.5rem,5vw,4rem);align-items:start;margin-bottom:clamp(2rem,5vw,4.25rem)}.section-intro>p,.split>div>p,.article-hero p{max-width:62ch;line-height:1.72}.problem-section{padding-bottom:clamp(3rem,7vw,6rem);background:linear-gradient(90deg,var(--forest) 0 55%,var(--mineral) 55% 100%)}.problem-section h2{max-width:780px;font-size:clamp(1.9rem,3.3vw,3.1rem)}.problem-section .section-intro{grid-template-columns:minmax(0,.9fr) minmax(17rem,.55fr)}.proof-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--dark-line);border-bottom:1px solid var(--dark-line)}.proof-row div{min-height:9.5rem;display:grid;align-content:space-between;gap:1rem;padding:clamp(1.15rem,3vw,2rem);border-right:1px solid var(--dark-line)}.proof-row div:last-child{border-right:0}.proof-row strong,.matrix-card span,.guide-index span{color:#dcd8bfd1;font-family:var(--font-display);font-size:1.32rem;line-height:1}.proof-row span{max-width:18rem;color:#dfe8dbcc}.due-section{background:linear-gradient(90deg,oklch(43% .065 205 / .08),transparent 42%),var(--background)}.review-matrix{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line)}.matrix-card{min-height:14.5rem;display:flex;flex-direction:column;justify-content:space-between;padding:clamp(1.2rem,2.4vw,1.8rem);background:var(--paper);transition:background .18s ease,transform .18s ease}.matrix-card:nth-child(2n){background:var(--paper-quiet)}.matrix-card:hover{transform:translateY(-2px);background:var(--white)}.matrix-card span,.guide-index span{color:var(--clay-dark)}.matrix-card h3{margin-top:auto;padding-top:2.5rem;font-size:clamp(1.08rem,1.4vw,1.35rem)}.matrix-card p,.guide-index p{margin-top:.85rem}.review-section{overflow:hidden;background:var(--paper)}.review-layout{display:grid;grid-template-columns:minmax(17rem,.42fr) minmax(26rem,.68fr);gap:clamp(2.5rem,7vw,6rem);align-items:center;justify-content:center}.review-copy{position:static;max-width:25rem;padding:clamp(1rem,2vw,1.5rem) 0;border-top:2px solid var(--clay-dark);border-bottom:1px solid var(--line)}.review-copy h2,.review-copy p,.review-copy li{color:var(--ink)}.review-copy p,.review-copy li{color:var(--muted)}.paper-panel,.card,.sidebar,.faq{border:1px solid var(--line);background:var(--paper)}.paper-panel{border-radius:0}.form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.15rem 1.4rem;padding:clamp(1rem,2.5vw,1.6rem) 0}.form.paper-panel{border-width:1px 0;border-color:var(--line);background:transparent}.form label{display:grid;gap:.5rem;color:var(--ink);font-size:.9rem;font-weight:700}.form input,.form select,.form textarea{width:100%;min-height:44px;border:0;border-bottom:1px solid var(--line-strong);border-radius:0;background:transparent;color:var(--text);padding:.55rem 0;font:inherit;transition:background .16s ease,border-color .16s ease,outline-color .16s ease}.form input:hover,.form select:hover,.form textarea:hover{background:transparent;border-color:var(--clay-dark)}.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid oklch(53% .12 42 / .18);outline-offset:4px;border-color:var(--clay)}.form textarea,.form .full{grid-column:1 / -1}.form textarea{min-height:7.5rem;resize:vertical}.honeypot{display:none}.check-list{display:grid;gap:0;padding:0;margin:1.65rem 0 0;list-style:none;border-top:1px solid var(--line)}.check-list li{position:relative;padding:.64rem 0 .64rem 1.35rem;border-bottom:1px solid var(--line)}.check-list li:before{content:"";position:absolute;top:.66em;left:0;width:.48rem;height:.48rem;background:currentColor;transform:rotate(45deg)}.area-section{background:var(--paper)}.area-ledger{border-top:1px solid var(--line)}.area-ledger a{min-height:6.9rem;display:grid;grid-template-columns:minmax(12rem,.45fr) minmax(0,1fr) auto;gap:clamp(1rem,4vw,2.2rem);align-items:center;border-bottom:1px solid var(--line);transition:background .18s ease,transform .18s ease}.area-ledger a:hover{background:#175a6113;transform:translate(.35rem)}.area-ledger span{color:var(--ink);font-family:var(--font-display);font-size:clamp(1.45rem,2.6vw,2.15rem);font-weight:600;line-height:1.08}.area-ledger p{margin:0}.area-ledger strong{color:var(--clay-dark);font-size:.9rem}.guide-section{background:var(--background)}.guide-index{display:block;border-top:1px solid var(--line-strong);background:transparent}.guide-index a{min-height:auto;display:grid;grid-template-columns:3.5rem minmax(0,.92fr) minmax(18rem,.62fr);gap:clamp(1rem,4vw,3rem);align-items:start;padding:clamp(1rem,2.5vw,1.55rem) 0;border-bottom:1px solid var(--line);background:transparent;transition:background .18s ease,color .18s ease}.guide-index a:hover{background:#b658390f}.guide-index h3{margin:0;max-width:34ch;font-size:clamp(1.05rem,1.4vw,1.36rem);line-height:1.18}.guide-index p{margin:0;max-width:36ch}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line)}.card{min-height:13.5rem;padding:clamp(1.2rem,2.5vw,1.75rem);transition:background .18s ease,transform .18s ease}.card:hover{transform:translateY(-2px);background:var(--white)}.card h3+p{margin-top:.9rem}.card h3{font-size:clamp(1.04rem,1.3vw,1.28rem)}.split{display:grid;grid-template-columns:minmax(0,.72fr) minmax(22rem,1fr);gap:clamp(2rem,6vw,4.5rem);align-items:start}.article-hero{padding:clamp(4.5rem,8vw,7rem) 0 clamp(3rem,6vw,4.8rem);border-bottom:1px solid var(--line);background:linear-gradient(135deg,oklch(43% .065 205 / .11),transparent 30rem),var(--paper)}.article-hero h1{font-size:clamp(2rem,3.8vw,3.35rem)}.article-hero p:not(.eyebrow){margin-top:1.15rem;font-size:clamp(1.08rem,1.6vw,1.25rem)}.breadcrumbs{display:flex;flex-wrap:wrap;gap:.45rem;margin-bottom:1.6rem;color:var(--muted);font-size:.92rem}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(16rem,20rem);gap:clamp(2rem,6vw,4.5rem);padding:var(--space-2xl) 0 var(--space-3xl)}.article-content{max-width:760px}.article-content>section{padding-top:2.2rem;border-top:1px solid var(--line)}.article-content>section:first-child{padding-top:0;border-top:0}.article-content>section+section{margin-top:2.4rem}.article-content h2{font-size:clamp(1.5rem,2.25vw,2.05rem)}.article-content p{font-size:1.08rem;line-height:1.75}.article-content h2+p,.article-content p+p,.article-content ul{margin-top:1rem}.article-content ul{padding-left:1.1rem}.article-content li{margin:.5rem 0}.sidebar{position:sticky;top:6.4rem;align-self:start;padding:1.35rem;border-radius:.85rem}.sidebar nav{display:grid;gap:.85rem;margin-top:1rem}.sidebar a{color:var(--muted);line-height:1.3}.sidebar a:hover{color:var(--ink)}.faq{display:grid;margin-top:3rem;border-radius:.85rem;overflow:hidden}.faq h2{padding:1.5rem 1.5rem .5rem;font-size:clamp(1.7rem,2.8vw,2.25rem)}.faq details{padding:1rem 1.5rem;border-top:1px solid var(--line)}.faq summary{cursor:pointer;color:var(--ink);font-weight:700}.faq p{margin-top:.7rem}.site-footer{padding:clamp(2.7rem,6vw,4.5rem) 0;background:var(--ink);color:var(--white)}.footer-grid{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:2rem;align-items:start}.site-footer .brand strong,.site-footer .brand span,.footer-grid p,.footer-grid a{color:var(--white)}.footer-grid p,.site-footer .brand span,.footer-grid a{color:#dfe8dbb8}.footer-grid p{max-width:58ch;margin-top:1rem}@media(max-width:960px){.nav{align-items:flex-start;flex-direction:column;padding:.85rem 0}.nav-links{width:100%;overflow-x:auto;padding-bottom:.25rem}.hero{min-height:auto}.hero-content,.section-intro,.split,.review-layout,.article-layout,.footer-grid,.proof-row{grid-template-columns:1fr}.hero-content{padding-top:5rem}.review-section{background:var(--paper-quiet)}.review-copy{position:static}.review-matrix,.guide-index,.grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-index a{grid-template-columns:3rem 1fr}.guide-index p{grid-column:2}.area-ledger a{grid-template-columns:1fr;gap:.45rem;padding:1.35rem 0}.area-ledger a:hover{transform:none}.proof-row div{min-height:auto;border-right:0;border-bottom:1px solid var(--dark-line)}.proof-row div:last-child{border-bottom:0}.sidebar{position:static}}@media(max-width:640px){body{font-size:1rem}.container{width:min(100% - 1.5rem,var(--max))}.nav-links{flex-wrap:nowrap;overflow-x:auto;gap:.9rem;font-size:.9rem;white-space:nowrap}.nav-links .button{display:none}h1{font-size:clamp(2.15rem,10vw,2.75rem);line-height:1.02}.hero-copy h1{max-width:8.8ch}h2{font-size:clamp(1.65rem,8vw,2.25rem)}.hero-content{padding-block:4rem 2.2rem;max-width:calc(100vw - 1.5rem)}.hero-copy,.advisory-brief{max-width:100%}.hero-copy p:not(.eyebrow),.advisory-brief p:not(.eyebrow){max-width:28ch}.hero:after{background:linear-gradient(0deg,#07150af0,#07150a61),linear-gradient(90deg,oklch(18% .032 150 / .8),transparent)}.hero-actions,.section-actions{display:grid}.button{width:100%}.advisory-brief dl div{grid-template-columns:1fr;gap:.15rem}.trust-row{display:grid;grid-template-columns:1fr;max-width:14rem}.trust-row li{text-align:center}.problem-section{background:var(--forest)}.review-section{background:var(--paper-quiet)}.review-matrix,.guide-index,.grid,.form{grid-template-columns:1fr}.guide-index a{grid-template-columns:2.4rem 1fr;gap:.75rem}.guide-index a:hover{transform:none}.matrix-card,.guide-index a,.card{min-height:auto}.matrix-card h3{padding-top:1.9rem}.section{padding:clamp(3.5rem,15vw,4.8rem) 0}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}