:root{--ink:#16312d;--muted:#5e6c69;--brand:#087c68;--brand2:#19a98c;--soft:#edf8f5;--line:#dbe9e5;--gold:#f7c94b;--white:#fff}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:#076e5e}img{max-width:100%;height:auto}.wrap{width:min(1120px,92%);margin:auto}.top{background:#0b4038;color:#fff;font-size:.88rem;padding:8px 0;text-align:center}.sitehead{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:20px}.brand{font-size:1.45rem;font-weight:850;text-decoration:none;color:var(--ink)}.brand span{color:var(--brand)}nav{display:flex;gap:18px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:650;color:#28453f;font-size:.94rem}.hero{background:linear-gradient(135deg,#f7fffd,#e5f6f1);padding:62px 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}.eyebrow{font-size:.82rem;letter-spacing:.09em;text-transform:uppercase;color:var(--brand);font-weight:800}.hero h1{font-size:clamp(2.3rem,5vw,4.25rem);line-height:1.04;margin:.25em 0}.lead{font-size:1.18rem;color:#405b55}.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:800;padding:14px 22px;border-radius:10px;margin:6px 8px 6px 0}.btn.alt{background:#fff;color:var(--brand);border:1px solid var(--brand)}.note{font-size:.88rem;color:var(--muted)}.section{padding:54px 0}.section.soft{background:var(--soft)}h1,h2,h3{line-height:1.2}h2{font-size:2rem;margin-top:0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.card{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff;box-shadow:0 8px 28px rgba(19,68,59,.06)}.card h3{margin-top:0}.kicker{font-weight:800;color:var(--brand)}.toc{background:#f8fbfa;border:1px solid var(--line);padding:20px 24px;border-radius:14px}.toc a{text-decoration:none}.article{width:min(820px,92%);margin:auto;padding:44px 0}.article h1{font-size:clamp(2.2rem,4vw,3.4rem)}.article h2{margin-top:42px}.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:18px}.fact{border-left:4px solid var(--brand);background:var(--soft);padding:18px 20px;margin:24px 0}.warn{border-left-color:#c57a00;background:#fff7e6}.tablewrap{overflow:auto}table{width:100%;border-collapse:collapse;margin:20px 0}th,td{padding:12px 14px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#eff8f5}.ref{font-size:.92rem;word-break:break-word}.cta{background:#0b4038;color:#fff;padding:32px;border-radius:18px;margin:38px 0}.cta h2,.cta h3{color:#fff}.cta a{color:#fff}.footer{background:#102d28;color:#dce9e6;padding:42px 0 90px}.footer a{color:#dce9e6}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.sticky{position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);padding:9px;text-align:center;z-index:30;display:none}.sticky .btn{margin:0;padding:10px 18px}.pill{display:inline-block;background:#e2f4ef;color:#086e5e;padding:4px 9px;border-radius:999px;font-size:.78rem;font-weight:800}.disclosure{background:#fff8dc;border:1px solid #f0d67b;padding:13px 16px;border-radius:10px;font-size:.9rem}.byline{color:var(--muted);font-size:.9rem}.price{font-size:1.6rem;font-weight:900;color:var(--brand)}@media(max-width:800px){nav{display:none}.hero-grid,.grid3,.grid2,.footgrid{grid-template-columns:1fr}.hero{padding:38px 0}.section{padding:38px 0}.sticky{display:block}.hero h1{font-size:2.55rem}}