:root{--ink:#13251e;--muted:#607069;--paper:#fbfaf5;--card:#fff;--lime:#d9ff72;--green:#174f3b;--line:#dfe7e1;--warm:#fff3ea}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.7}a{color:var(--green)}.wrap{max-width:1180px;margin:auto;padding:0 22px}
.header{position:sticky;top:0;z-index:50;background:rgba(251,250,245,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{height:72px;display:flex;align-items:center;gap:20px}.brand{font-weight:900;text-decoration:none;color:var(--ink);font-size:1.13rem;white-space:nowrap}.brand span{background:var(--lime);padding:4px 7px;border-radius:8px}.navlinks{margin-left:auto;display:flex;align-items:center;gap:18px}.navlinks a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.91rem}.btn{display:inline-block;background:var(--green)!important;color:#fff!important;padding:11px 16px;border-radius:10px;text-decoration:none;font-weight:850}.btn.lime{background:var(--lime)!important;color:var(--ink)!important}.hamb{display:none;border:0;background:transparent;font-size:1.7rem;cursor:pointer;padding:8px}
.hero{padding:78px 0 58px}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.75rem;font-weight:900;color:var(--green)}h1{font-size:clamp(2.55rem,6vw,5rem);line-height:1;letter-spacing:-.055em;margin:.2em 0 .35em;text-transform:capitalize}h2,h3{text-transform:capitalize;line-height:1.2}.hero p{font-size:1.22rem;max-width:760px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:17px;padding:23px}.card h2,.card h3{margin-top:0}.card a{text-decoration:none}.band{background:var(--ink);color:#fff;padding:48px 0;margin:52px 0}.band p{color:#dce6e1}
.layout{max-width:1180px;margin:50px auto;padding:0 22px;display:grid;grid-template-columns:minmax(0,790px) 290px;gap:42px}.article h1{font-size:clamp(2.5rem,5.5vw,4.35rem)}.article h2{font-size:1.75rem;margin-top:2.1em}.article p,.article li{font-size:1.04rem}.lede{font-size:1.24rem!important;color:var(--muted)}.breadcrumbs{font-size:.84rem;color:var(--muted);margin-bottom:22px}.disclosure{font-size:.9rem;border:1px solid var(--line);background:#fff;padding:13px 15px;border-radius:11px}.note{background:var(--warm);border-left:4px solid #f19159;padding:12px 15px;border-radius:0 10px 10px 0}
.sidebar{align-self:start}.sidebox{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;margin-bottom:18px}.sidebox h2{font-size:1.15rem;margin-top:0}.sidebox ul{padding-left:19px}.sidebox li{margin:8px 0}.cta{background:var(--green);color:#fff;border-radius:17px;padding:25px;margin:32px 0}.cta p{color:#e7efe9}.cta a{background:var(--lime);color:var(--ink);display:inline-block;padding:11px 15px;border-radius:9px;text-decoration:none;font-weight:900}
table{width:100%;border-collapse:collapse;background:#fff}th,td{padding:11px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#eff4ef}
footer{border-top:1px solid var(--line);padding:40px 0 55px;margin-top:70px;color:var(--muted)}footer .links{display:flex;gap:16px;flex-wrap:wrap}.sitemap-list{columns:2;column-gap:35px}.sitemap-list li{break-inside:avoid;margin:7px 0}
@media(max-width:900px){.layout{grid-template-columns:1fr}.sidebar{position:static}.grid{grid-template-columns:1fr}.nav{height:66px}.navlinks{display:none;position:absolute;left:0;right:0;top:66px;background:var(--paper);border-bottom:1px solid var(--line);padding:16px 22px;flex-direction:column;align-items:stretch}.navlinks.open{display:flex}.navlinks .desktopcta{display:none}.hamb{display:block;margin-left:0}.mobilecta{margin-left:auto}.mobilecta{display:inline-block}.hero{padding-top:52px}.sitemap-list{columns:1}}
@media(min-width:901px){.mobilecta{display:none}}

.meta-row{display:flex;gap:9px;flex-wrap:wrap;margin:16px 0 22px}.meta-pill{font-size:.78rem;font-weight:800;background:#eef4ef;border:1px solid var(--line);border-radius:999px;padding:6px 9px}
.takeaways{background:#eef8e9;border:1px solid #cfe2c8;border-radius:16px;padding:20px 22px;margin:24px 0}.takeaways h2{font-size:1.15rem;margin:0 0 10px}.takeaways ul{margin:0;padding-left:20px}
.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin:24px 0}.toc h2{font-size:1.08rem;margin:0 0 10px}.toc ul{columns:2;margin:0;padding-left:20px}
.faq{border-top:1px solid var(--line);padding-top:8px}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px 15px;margin:10px 0}.faq summary{font-weight:850;cursor:pointer}.faq p{font-size:.98rem}
.cluster-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:25px 0}.cluster-link{display:block;background:#fff;border:1px solid var(--line);border-radius:13px;padding:15px;text-decoration:none;font-weight:800}
.hub-hero{padding:58px 0 30px}.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.hub-card{background:#fff;border:1px solid var(--line);border-radius:17px;padding:22px}.hub-card a{text-decoration:none}.hub-card small{font-weight:850;color:var(--green)}
.journey{display:flex;align-items:stretch;gap:8px;margin:28px 0}.journey div{flex:1;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px;font-size:.86rem}.journey b{display:block}
@media(max-width:900px){.toc ul{columns:1}.cluster-strip,.hub-grid{grid-template-columns:1fr}.journey{flex-direction:column}}