:root{--paper: #f7f4ee;--paper-2: #efeade;--card: #fdfcf9;--ink: #102a43;--ink-dim: #40566f;--ink-faint: #56687b;--gold: #85611a;--gold-deep: #7d5b17;--gold-line: rgba(168,125,34,.34);--gold-soft: rgba(168,125,34,.09);--rule: rgba(16,42,67,.11);--cta-from: #bb8f36;--cta-to: #d8ac4f;--nav-h: 68px;--font: "DM Sans", "Google Sans", Arial, Helvetica, sans-serif;--font-serif: "Marcellus", Georgia, "Times New Roman", serif;--wrap: 1140px;--gap: clamp(20px, 3vw, 34px)}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font);font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}::selection{background:#c89b3c52}img{max-width:100%;height:auto;display:block}h1,h2,h3{font-family:var(--font-serif);font-weight:400;letter-spacing:-.006em;text-wrap:balance;margin:0}h1{font-size:clamp(2.05rem,4.7vw,3.2rem);line-height:1.08}h2{font-size:clamp(1.55rem,2.9vw,2.15rem);line-height:1.16}h3{font-size:1.14rem;line-height:1.35}p{margin:0}a{color:var(--gold-deep)}a:focus-visible,button:focus-visible,summary:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:3px}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(18px,4vw,40px)}.kicker{font-size:12px;letter-spacing:.17em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:0}.lede{font-size:clamp(1.05rem,1.6vw,1.24rem);line-height:1.55;color:var(--ink-dim);max-width:60ch}.prose{display:flex;flex-direction:column;gap:16px;max-width:66ch;color:var(--ink-dim)}.prose strong{color:var(--ink);font-weight:500}.nav{position:sticky;top:0;z-index:40;height:var(--nav-h);display:flex;align-items:center;justify-content:space-between;gap:16px;padding:0 clamp(16px,4vw,40px);background:#f7f4eef0;backdrop-filter:blur(10px);border-bottom:1px solid var(--gold-line)}.nav-brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);min-width:0}.nav-brand img{width:30px;height:auto;flex:none}.nav-brand b{font-family:var(--font-serif);font-weight:400;font-size:17px;letter-spacing:.01em;white-space:nowrap}.nav-brand i{font-style:normal;font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);display:block;margin-top:-3px}.nav-links{display:flex;align-items:center;gap:clamp(12px,2vw,26px)}.nav-links a{color:var(--ink-dim);text-decoration:none;font-size:14.5px;font-weight:500;white-space:nowrap;padding:6px 0;border-bottom:1px solid transparent}.nav-links a:hover{color:var(--ink);border-bottom-color:var(--gold-line)}.nav-call{background:linear-gradient(135deg,var(--cta-from),var(--cta-to));color:#102a43!important;padding:9px 18px!important;border-radius:100px;font-weight:600;border:none!important;box-shadow:0 2px 10px #c89b3c47}.nav-call:hover{filter:brightness(1.06)}@media (max-width:860px){.nav-links .hide-sm{display:none}}.phero{background:linear-gradient(180deg,var(--paper),var(--paper-2));border-bottom:1px solid var(--gold-line);padding:clamp(34px,5vw,60px) 0 clamp(40px,5vw,64px)}.phero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(26px,4vw,54px);align-items:center}.phero-copy{display:flex;flex-direction:column;gap:18px;min-width:0}.phero h1{margin-top:2px}.phero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:6px}.phero figure{margin:0;position:relative}.phero figure img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:3px;border:1px solid var(--gold-line);box-shadow:0 18px 44px #102a4324}@media (max-width:820px){.phero-grid{grid-template-columns:1fr;gap:26px}.phero figure{order:-1}.phero figure img{aspect-ratio:16/10}}.crumbs{font-size:13px;color:var(--ink-faint);display:flex;flex-wrap:wrap;gap:7px;align-items:center}.crumbs a{color:var(--ink-faint);text-decoration:none}.crumbs a:hover{color:var(--gold-deep);text-decoration:underline}.crumbs span[aria-hidden]{color:var(--gold-line)}.btn{display:inline-flex;align-items:center;gap:9px;text-decoration:none;padding:13px 24px;border-radius:100px;font-weight:600;font-size:15px;border:1px solid var(--gold-line);color:var(--ink);background:transparent;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}.btn:hover{transform:translateY(-1px)}.btn.gold{background:linear-gradient(135deg,var(--cta-from),var(--cta-to));color:#102a43;border-color:transparent;box-shadow:0 6px 20px #c89b3c57}.btn.gold:hover{box-shadow:0 10px 26px #c89b3c6b}.btn.ghost{color:var(--ink);border-color:var(--gold)}.btn.ghost:hover{background:var(--gold-soft)}section{padding:clamp(44px,6vw,80px) 0}.sec-2{background:var(--paper-2)}.sec-head{display:flex;flex-direction:column;gap:14px;max-width:64ch;margin-bottom:var(--gap)}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(258px,1fr));gap:var(--gap)}.tcard{background:var(--card);border:1px solid var(--rule);border-radius:3px;overflow:hidden;display:flex;flex-direction:column}.tcard img{width:100%;aspect-ratio:16/10;object-fit:cover}.tcard .body{padding:18px 20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}.tcard h3{font-size:1.05rem}.tcard p{font-size:14.5px;color:var(--ink-dim);line-height:1.6}.points{display:flex;flex-direction:column;gap:0;border-top:1px solid var(--gold-line)}.points>div{display:grid;grid-template-columns:minmax(200px,.72fr) 1.28fr;gap:8px clamp(20px,4vw,52px);padding:24px 0;border-bottom:1px solid var(--rule)}.points h3{color:var(--ink)}.points p{color:var(--ink-dim);max-width:60ch}@media (max-width:760px){.points>div{grid-template-columns:1fr;gap:7px}}.tbl-scroll{overflow-x:auto;border:1px solid var(--rule);border-radius:3px;background:var(--card)}table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}caption{text-align:left;padding:0 0 12px;font-size:13.5px;color:var(--ink-faint)}th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--rule);vertical-align:top}thead th{background:var(--paper-2);color:var(--ink-faint);font-weight:600;font-size:11.5px;letter-spacing:.13em;text-transform:uppercase;border-bottom:1px solid var(--gold-line);white-space:nowrap}tbody tr:last-child td{border-bottom:none}td:nth-child(2){font-weight:600;color:var(--gold-deep);white-space:nowrap;font-variant-numeric:tabular-nums}td:first-child{font-weight:500;white-space:nowrap}td:last-child{color:var(--ink-dim);font-size:14.5px}.tbl-note{margin-top:14px;font-size:14px;color:var(--ink-dim);max-width:70ch;border-left:2px solid var(--gold);padding-left:16px;line-height:1.6}.covers{display:grid;grid-template-columns:repeat(auto-fit,minmax(298px,1fr));gap:var(--gap)}.covers>div{background:var(--card);border:1px solid var(--rule);border-radius:3px;padding:26px clamp(20px,2.4vw,30px);display:flex;flex-direction:column;gap:16px}.covers .in{border-top:2px solid var(--gold)}.covers .ex{border-top:2px solid var(--ink-faint)}.covers h3{font-size:1.06rem}.covers ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:11px}.covers li{display:grid;grid-template-columns:16px 1fr;gap:12px;align-items:start;font-size:14.8px;line-height:1.55;color:var(--ink-dim)}.covers li:before{content:"";display:block;margin-top:.42em}.covers .in li:before{width:9px;height:5px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg);margin-left:2px}.covers .ex li:before{width:11px;height:2px;background:var(--ink-faint);margin-top:.72em}.faq{display:flex;flex-direction:column;border-top:1px solid var(--gold-line);max-width:78ch}.faq details{border-bottom:1px solid var(--rule)}.faq summary{display:flex;justify-content:space-between;align-items:flex-start;gap:20px;padding:20px 0;cursor:pointer;list-style:none;color:var(--ink);font-family:var(--font-serif);font-size:1.09rem;line-height:1.35}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"";flex:none;width:13px;height:13px;margin-top:7px;background:linear-gradient(var(--gold),var(--gold)) center/13px 1.5px no-repeat,linear-gradient(var(--gold),var(--gold)) center/1.5px 13px no-repeat;transition:transform .2s ease}.faq details[open] summary:after{transform:rotate(45deg);background-size:13px 1.5px,1.5px 0}.faq .ans{padding:0 0 22px;color:var(--ink-dim);max-width:66ch}.pills{display:flex;flex-wrap:wrap;gap:9px}.pills li{list-style:none;font-size:14px;color:var(--ink-dim);border:1px solid var(--gold-line);border-radius:100px;padding:6px 15px;background:var(--card)}.rel{display:grid;grid-template-columns:repeat(auto-fit,minmax(232px,1fr));gap:14px;margin-top:6px}.rel a{display:flex;flex-direction:column;gap:5px;text-decoration:none;border:1px solid var(--rule);border-radius:3px;padding:18px 20px;background:var(--card);transition:border-color .18s ease,transform .18s ease}.rel a:hover{border-color:var(--gold-line);transform:translateY(-2px)}.rel b{font-family:var(--font-serif);font-weight:400;font-size:1.04rem;color:var(--ink)}.rel span{font-size:13.5px;color:var(--ink-faint)}.band{background:var(--paper-2);border-top:1px solid var(--gold-line)}.band-in{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(24px,4vw,50px);align-items:center}.band-lines{display:flex;flex-direction:column;gap:12px;margin-top:4px}.band-lines a,.band-lines span{display:flex;gap:12px;align-items:baseline;color:var(--ink);text-decoration:none;font-size:15.5px}.band-lines b{font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-faint);font-weight:600;min-width:96px;flex:none}.band-lines a:hover{color:var(--gold-deep)}.band-cta{display:flex;flex-direction:column;gap:12px;align-items:flex-start}@media (max-width:820px){.band-in{grid-template-columns:1fr}}footer{background:var(--paper-2);border-top:1px solid var(--gold-line);padding:40px 0 34px}.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:26px clamp(20px,4vw,44px)}.fgrid h4{font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:var(--gold);margin:0 0 12px;font-weight:600;font-family:var(--font)}.fgrid ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}.fgrid a{color:var(--ink-dim);text-decoration:none;font-size:14.5px}.fgrid a:hover{color:var(--gold-deep);text-decoration:underline}.fbot{margin-top:32px;padding-top:22px;border-top:1px solid var(--rule);display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;font-size:13px;color:var(--ink-faint)}.fbot p{max-width:74ch;line-height:1.6}.wa{position:fixed;right:18px;bottom:18px;z-index:50;width:52px;height:52px;border-radius:50%;background:#25d366;display:grid;place-items:center;box-shadow:0 8px 24px #25d36666}.wa svg{width:28px;height:28px}.wa:hover{filter:brightness(1.08)}@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}