:root{--ivory:#FBF7F0;--ivory-deep:#F4EDDF;--navy:#1B2B4B;--navy-deep:#0F1A33;--gold:#C9A45C;--gold-soft:#E4CC95;--gold-ink:#7A5A1E;--coral:#B4513D;--text:#2A3142;--text-soft:#4E576B;--line:#E5DCC8;--white:#fff;--shadow:0 8px 32px rgba(27,43,75,.08)}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Source Sans 3',system-ui,-apple-system,sans-serif;background:var(--ivory);color:var(--text);line-height:1.65;font-size:19px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Lora',Georgia,serif;color:var(--navy);line-height:1.22;font-weight:600}
a{color:var(--navy);text-decoration-color:var(--gold);text-underline-offset:3px}
a:hover,a:focus{color:var(--gold-ink)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:var(--ivory);padding:12px 18px;z-index:9999;font-weight:700}
.skip-link:focus{left:8px;top:8px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.top-bar{background:var(--navy-deep);color:var(--ivory);font-size:15px;padding:8px 0}
.top-bar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.top-bar a{color:var(--gold-soft);font-weight:600;text-decoration:none}
header.site{background:rgba(251,247,240,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:100}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;padding-bottom:16px}
.logo{font-family:'Lora',Georgia,serif;font-size:25px;font-weight:700;color:var(--navy);text-decoration:none}
.logo span{color:var(--gold);font-style:italic}
nav.primary ul{display:flex;gap:28px;list-style:none}
nav.primary a{color:var(--text);font-weight:600;font-size:16px;text-decoration:none}
nav.primary a:hover,nav.primary a[aria-current]{color:var(--gold-ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 24px;border-radius:4px;font-weight:700;font-size:17px;text-decoration:none;border:2px solid var(--navy);transition:background .2s,color .2s}
.btn-navy{background:var(--navy);color:var(--ivory)}
.btn-navy:hover,.btn-navy:focus{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn-ghost{background:transparent;color:var(--navy)}
.btn-ghost:hover,.btn-ghost:focus{background:var(--navy);color:var(--ivory)}
.crumbs{font-size:15px;color:var(--text-soft);padding:20px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}
.crumbs a{color:var(--text-soft)}
.page-hero{padding:28px 0 40px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--ivory) 0%,var(--ivory-deep) 100%)}
.eyebrow{color:var(--coral);font-weight:700;letter-spacing:1.4px;text-transform:uppercase;font-size:14px;margin-bottom:12px}
.page-hero h1{font-size:46px;letter-spacing:-.5px;max-width:860px;margin-bottom:16px}
.lede{font-size:21px;color:var(--text-soft);max-width:760px}
.byline{display:flex;align-items:center;gap:14px;margin-top:24px;font-size:15px;color:var(--text-soft)}
.byline img{width:52px;height:52px;border-radius:50%;object-fit:cover;object-position:center top;background:var(--ivory-deep);border:2px solid var(--gold-soft)}
.byline strong{color:var(--navy)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;padding:48px 0 64px}
article.guide{min-width:0}
article.guide h2{font-size:31px;margin:48px 0 14px;scroll-margin-top:96px}
article.guide h2:first-of-type{margin-top:8px}
article.guide h3{font-size:23px;margin:30px 0 10px}
article.guide p{margin:0 0 18px}
article.guide ul,article.guide ol{margin:0 0 20px 26px}
article.guide li{margin-bottom:8px}
article.guide strong{color:var(--navy)}
.answer{background:var(--white);border:1px solid var(--line);border-left:5px solid var(--gold);padding:22px 26px;margin:0 0 32px;font-size:19px}
.answer .label{font-size:13px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:var(--gold-ink);margin-bottom:6px}
.answer p:last-child{margin-bottom:0}
.note{background:var(--ivory-deep);border:1px solid var(--line);border-radius:6px;padding:18px 22px;margin:24px 0;font-size:18px}
.note p:last-child{margin-bottom:0}
.table-wrap{overflow-x:auto;margin:8px 0 26px;border:1px solid var(--line);border-radius:6px;background:var(--white)}
table{border-collapse:collapse;width:100%;font-size:17px;min-width:560px}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:var(--ivory);font-weight:700}
tr:last-child td{border-bottom:0}
.steps{counter-reset:s;list-style:none;margin-left:0!important}
.steps li{counter-increment:s;position:relative;padding-left:52px;margin-bottom:18px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--gold-soft);font-weight:700;display:flex;align-items:center;justify-content:center;font-family:'Lora',Georgia,serif}
.checklist{list-style:none;margin-left:0!important}
.checklist li{position:relative;padding-left:34px}
.checklist li::before{content:"";position:absolute;left:4px;top:7px;width:16px;height:9px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.toc{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:20px 22px;margin-bottom:24px}
.toc h2{font-size:18px;margin-bottom:10px}
.toc ol{margin-left:20px;font-size:16px}
.toc li{margin-bottom:6px}
aside.rail{position:relative}
.rail-sticky{position:sticky;top:96px}
.cta-card{background:var(--navy);color:var(--ivory);border-radius:8px;padding:26px;margin-bottom:22px}
.cta-card h2,.cta-card h3{color:var(--ivory);font-size:23px;margin-bottom:8px}
.cta-card p{font-size:16px;color:rgba(251,247,240,.85);margin-bottom:16px}
.cta-card .btn{width:100%;margin-bottom:10px}
.cta-card .btn-navy{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.cta-card .btn-navy:hover{background:var(--ivory);border-color:var(--ivory)}
.cta-card .btn-ghost{border-color:rgba(251,247,240,.5);color:var(--ivory)}
.cta-card .small{font-size:13px;color:rgba(251,247,240,.65);margin:8px 0 0}
.faq{margin-top:12px}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:6px;margin-bottom:12px}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;color:var(--navy);font-size:19px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:26px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq .a{padding:0 22px 18px}
.faq .a p:last-child{margin-bottom:0}
.related{background:var(--ivory-deep);border-top:1px solid var(--line);padding:56px 0}
.related h2{font-size:30px;margin-bottom:24px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.card{display:block;background:var(--white);border:1px solid var(--line);border-radius:8px;padding:22px;text-decoration:none;color:var(--text);transition:box-shadow .2s,transform .2s}
.card:hover,.card:focus{box-shadow:var(--shadow);transform:translateY(-2px);color:var(--text)}
.card .k{font-size:13px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:var(--coral);margin-bottom:6px}
.card h3{font-size:21px;margin-bottom:6px}
.card p{font-size:16px;color:var(--text-soft)}
.review{background:var(--navy);color:var(--ivory);padding:64px 0}
.review .grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.review h2{color:var(--ivory);font-size:38px;margin-bottom:14px}
.review h2 em{color:var(--gold);font-weight:500}
.review p.sub{color:rgba(251,247,240,.85);margin-bottom:20px}
.review .methods a{display:flex;gap:12px;align-items:center;color:var(--ivory);text-decoration:none;font-size:20px;font-weight:700;margin-bottom:12px}
.review .methods span{color:var(--gold-soft);font-size:14px;font-weight:600;display:block;letter-spacing:1px;text-transform:uppercase}
.form-box{background:var(--ivory);color:var(--text);border-radius:8px;padding:28px}
.form-box h3{font-size:24px;margin-bottom:4px}
.form-box .fs{font-size:16px;color:var(--text-soft);margin-bottom:18px}
.fg{margin-bottom:14px}
.fg label{display:block;font-weight:700;font-size:16px;color:var(--navy);margin-bottom:5px}
.fg input,.fg select{width:100%;min-height:50px;padding:12px 14px;font-size:18px;font-family:inherit;border:1.5px solid #CFC4AC;border-radius:4px;background:var(--white);color:var(--text)}
.fg input:focus,.fg select:focus{border-color:var(--navy);outline:3px solid var(--gold-soft)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{font-size:14px;line-height:1.5;color:var(--text-soft);margin:6px 0 16px}
.consent label{display:flex;gap:10px;align-items:flex-start}
.consent input{width:22px;height:22px;flex:0 0 22px;margin-top:2px;accent-color:var(--navy)}
.form-box button{width:100%;min-height:54px;background:var(--navy);color:var(--ivory);border:0;border-radius:4px;font-size:19px;font-weight:700;cursor:pointer;font-family:inherit}
.form-box button:hover,.form-box button:focus{background:var(--gold);color:var(--navy)}
.fine{font-size:13px;color:var(--text-soft);margin-top:12px;line-height:1.5}
footer.site{background:var(--navy-deep);color:rgba(251,247,240,.82);padding:56px 0 28px;font-size:15px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:32px}
footer.site h4{color:var(--gold-soft);font-family:'Source Sans 3',sans-serif;font-size:14px;letter-spacing:1.3px;text-transform:uppercase;margin-bottom:12px}
footer.site ul{list-style:none}
footer.site li{margin-bottom:8px}
footer.site a{color:rgba(251,247,240,.88);text-decoration:none}
footer.site a:hover{color:var(--gold-soft)}
.f-logo{font-family:'Lora',Georgia,serif;font-size:24px;color:var(--ivory);font-weight:700;margin-bottom:10px}
.f-logo span{color:var(--gold);font-style:italic}
.lic{font-size:15px;color:var(--ivory);margin-top:12px;line-height:1.6}
.disc{border-top:1px solid rgba(251,247,240,.12);padding-top:18px;margin-top:18px;font-size:14px;line-height:1.6;color:rgba(251,247,240,.75)}
.disc strong{color:var(--ivory)}
.disc a{text-decoration:underline}
.f-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;border-top:1px solid rgba(251,247,240,.12);margin-top:22px;padding-top:18px;font-size:13px}
.f-bottom a{margin-left:16px}
.credit{text-align:center;margin-top:22px;font-size:12px;color:rgba(251,247,240,.4)}
.credit a{color:var(--gold);font-weight:600}
.callbar{display:none}
.glossary dt{font-family:'Lora',Georgia,serif;font-weight:600;color:var(--navy);font-size:22px;margin-top:26px;scroll-margin-top:96px}
.glossary dd{margin:6px 0 0}
.az{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.az a{display:inline-block;padding:6px 12px;background:var(--white);border:1px solid var(--line);border-radius:4px;font-size:15px;text-decoration:none}
.updated{font-size:15px;color:var(--text-soft);margin-top:32px;padding-top:18px;border-top:1px solid var(--line)}
@media (max-width:980px){
 .layout{grid-template-columns:1fr;gap:24px}
 .rail-sticky{position:static}
 nav.primary{display:none}
 .review .grid{grid-template-columns:1fr}
 footer.site .cols{grid-template-columns:1fr 1fr}
 .page-hero h1{font-size:36px}
}
@media (max-width:640px){
 body{font-size:18px;padding-bottom:64px}
 .page-hero h1{font-size:31px}
 .lede{font-size:19px}
 article.guide h2{font-size:27px}
 .frow{grid-template-columns:1fr}
 footer.site .cols{grid-template-columns:1fr}
 header.site .btn{display:none}
 .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:200;gap:1px;background:var(--gold)}
 .callbar a{display:flex;align-items:center;justify-content:center;min-height:56px;background:var(--navy);color:var(--ivory);font-weight:700;font-size:17px;text-decoration:none}
 .callbar a+a{background:var(--navy-deep);color:var(--gold-soft)}
 .top-bar .hours{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{header.site,.callbar,aside.rail,.review,.related,.top-bar{display:none}body{background:#fff}}