:root{
  --paper:#FFFFFF;
  --card-bg:#FFFFFF;
  --ink:#3D3B36;
  --ink-soft:#6D6B67;
  --line:#E7E3D8;
  --mustard:#C99700;
  --mustard-light:#F4C430;
  --shadow: 0 24px 55px -28px rgba(61,59,54,0.4);
  --hero-bg:#3D3B36;
  --hero-text:#FFFFFF;
  --hero-text-soft:#C9C4B7;
  --on-mustard:#2E2A1C;
  --logo-mint:#A8ECD2;
  color-scheme: light;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --paper:#211F1A; --card-bg:#2A2721; --ink:#F2EDE0; --ink-soft:#C2BBA8;
    --line:#3C382E; --mustard:#E8B93A; --mustard-light:#F6CE4E;
    --shadow: 0 24px 55px -22px rgba(0,0,0,0.6); color-scheme: dark;
  }
}
:root[data-theme="dark"]{
  --paper:#211F1A; --card-bg:#2A2721; --ink:#F2EDE0; --ink-soft:#C2BBA8;
  --line:#3C382E; --mustard:#E8B93A; --mustard-light:#F6CE4E;
  --shadow: 0 24px 55px -22px rgba(0,0,0,0.6); color-scheme: dark;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Poppins",ui-sans-serif,system-ui,sans-serif;-webkit-font-smoothing:antialiased;line-height:1.6;}
h1,h2,h3{font-family:"Poppins",ui-sans-serif,system-ui,sans-serif;text-wrap:balance;margin:0;font-weight:800;letter-spacing:-0.01em;}
.eyebrow{text-transform:uppercase;letter-spacing:0.11em;font-size:0.74rem;font-weight:700;color:var(--mustard);}
a{color:inherit;} img{max-width:100%;display:block;} button{font-family:inherit;}
.wrap{max-width:1100px;margin:0 auto;padding:0 clamp(20px,5vw,48px);}
header.site{position:sticky;top:0;z-index:40;background:color-mix(in srgb, var(--paper) 90%, transparent);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px clamp(20px,5vw,48px);max-width:1100px;margin:0 auto;flex-wrap:wrap;row-gap:8px;}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;}
.brand-mark{flex:none;width:30px;height:30px;border-radius:8px;background:var(--hero-bg);display:flex;align-items:center;justify-content:center;}
.brand-mark svg{width:15px;height:15px;}
.brand-word{font-weight:800;font-size:1.05rem;letter-spacing:0.01em;color:var(--ink);text-transform:uppercase;}
.nav-links{display:flex;align-items:center;gap:26px;}
.nav-links a{font-size:0.9rem;text-decoration:none;color:var(--ink-soft);transition:color .15s;font-weight:500;}
.nav-links a:hover,.nav-links a:focus-visible{color:var(--ink);}
.nav-links a.current{color:var(--ink);font-weight:700;}
.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 20px;border-radius:999px;font-size:0.86rem;font-weight:700;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,opacity .15s ease;white-space:nowrap;}
.btn:focus-visible{outline:2px solid var(--mustard);outline-offset:2px;}
.btn-dark{background:var(--hero-bg);color:var(--mustard);}
.btn-dark:hover{transform:translateY(-1px);opacity:0.92;}
.btn-mustard{background:var(--mustard-light);color:var(--on-mustard);}
.btn-mustard:hover{transform:translateY(-1px);box-shadow:var(--shadow);}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--ink);}
.btn-ghost:hover{border-color:var(--mustard);}
.btn-ghost-invert{background:transparent;border-color:rgba(255,255,255,0.3);color:var(--hero-text);}
.btn-ghost-invert:hover{border-color:var(--mustard);color:var(--mustard);}
.nav-cta{display:none;} @media(min-width:720px){.nav-cta{display:inline-flex;}}
@media(max-width:719px){.nav-links a:not(.nav-cta){display:none;}}
.hero{background:var(--hero-bg);padding:clamp(52px,8vw,96px) 0 clamp(48px,7vw,80px);}
.hero .wrap{display:grid;grid-template-columns:1.15fr 0.85fr;gap:clamp(24px,5vw,60px);align-items:center;}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr;}}
.hero-copy{display:grid;gap:18px;max-width:560px;}
.hero h1{font-size:clamp(2.1rem,4.4vw,3.1rem);line-height:1.12;color:var(--hero-text);}
.hero h1 mark{background:var(--mustard-light);color:var(--on-mustard);padding:0 10px;border-radius:6px;box-decoration-break:clone;-webkit-box-decoration-break:clone;}
.hero p.lede{font-size:1.05rem;color:var(--hero-text-soft);max-width:48ch;}
.hero-cta-row{display:flex;flex-wrap:wrap;align-items:center;gap:16px;margin-top:4px;}
.hero-trust{font-size:0.86rem;color:var(--hero-text-soft);}
.hero-visual{position:relative;}
.hero-card{background:#FFFFFF;color:#2E2A1C;border-radius:22px;padding:26px;transform:rotate(2deg);box-shadow:0 30px 60px -25px rgba(0,0,0,0.5);display:grid;gap:14px;max-width:340px;margin:0 auto;}
.hero-card .card-eyebrow{font-size:0.68rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--mustard);}
.hero-card .card-line{height:9px;border-radius:5px;background:#EDE9DE;}
.hero-card .card-line.short{width:62%;}
.hero-card .card-check{display:flex;align-items:center;gap:10px;font-size:0.9rem;font-weight:600;}
.hero-card .card-check .dot{flex:none;width:22px;height:22px;border-radius:50%;background:var(--mustard-light);display:flex;align-items:center;justify-content:center;color:var(--on-mustard);}
.hero-pill{position:absolute;left:50%;bottom:-18px;transform:translateX(-50%) rotate(-2deg);background:var(--mustard-light);color:var(--on-mustard);padding:10px 18px;border-radius:999px;font-size:0.82rem;font-weight:700;display:flex;align-items:center;gap:8px;white-space:nowrap;box-shadow:0 14px 30px -14px rgba(0,0,0,0.4);}
.value-strip{padding:clamp(36px,6vw,56px) 0;border-bottom:1px solid var(--line);}
.value-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:28px;}
.value-item{display:grid;gap:10px;}
.value-icon{width:38px;height:38px;border-radius:10px;background:var(--mustard-light);display:flex;align-items:center;justify-content:center;color:var(--on-mustard);}
.value-item h3{font-size:1rem;font-weight:700;} .value-item p{margin:0;font-size:0.9rem;color:var(--ink-soft);}
.section-head{max-width:640px;margin-bottom:36px;} .section-head h2{font-size:clamp(1.6rem,3.2vw,2.1rem);margin-top:10px;}
.grid-section{padding:clamp(52px,8vw,88px) 0;}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;}
.card{background:var(--card-bg);border:1px solid var(--line);border-radius:18px;padding:26px;display:flex;flex-direction:column;gap:16px;text-decoration:none;color:inherit;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;}
.card:hover,.card:focus-visible{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--mustard);}
.card-num{width:34px;height:34px;border-radius:50%;background:var(--mustard-light);color:var(--on-mustard);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:0.9rem;}
.card-tag{font-size:0.72rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--mustard);}
.card h3{font-size:1.22rem;line-height:1.28;} .card p{margin:0;color:var(--ink-soft);font-size:0.93rem;}
.card-meta{display:flex;align-items:center;gap:8px;font-size:0.78rem;color:var(--ink-soft);margin-top:auto;}
.card-meta .dot{width:3px;height:3px;border-radius:50%;background:var(--ink-soft);}
.card-arrow{margin-left:auto;color:var(--mustard);font-size:1.1rem;transition:transform .15s;}
.card:hover .card-arrow{transform:translateX(3px);}
.calc-section{padding:clamp(48px,7vw,72px) 0 clamp(40px,6vw,60px);}
.calc-card{background:var(--card-bg);border:1px solid var(--line);border-radius:22px;padding:clamp(24px,4vw,40px);display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,48px);}
@media(max-width:800px){.calc-card{grid-template-columns:1fr;}}
.calc-intro{display:grid;gap:10px;align-content:start;} .calc-intro h2{font-size:clamp(1.4rem,2.8vw,1.7rem);margin-top:8px;}
.calc-intro p{margin:0;color:var(--ink-soft);font-size:0.94rem;max-width:42ch;}
.calc-form{display:grid;gap:16px;align-content:start;} .calc-field{display:grid;gap:6px;}
.calc-field label{font-size:0.82rem;font-weight:600;color:var(--ink);}
.calc-field .hint{font-size:0.76rem;color:var(--ink-soft);font-weight:400;}
.calc-field input,.calc-field select{font-family:inherit;font-size:0.96rem;color:var(--ink);background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:10px 12px;width:100%;}
.calc-field input:focus,.calc-field select:focus{outline:2px solid var(--mustard);outline-offset:1px;}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;} @media(max-width:480px){.calc-row{grid-template-columns:1fr;}}
.calc-result{background:var(--mustard-light);color:var(--on-mustard);border-radius:16px;padding:20px 22px;margin-top:6px;}
.calc-result .calc-eyebrow{font-size:0.72rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;opacity:0.75;}
.calc-result .calc-amount{font-size:clamp(1.8rem,4vw,2.3rem);font-weight:800;margin-top:4px;font-variant-numeric:tabular-nums;}
.calc-warning{font-size:0.82rem;color:var(--mustard);font-weight:600;margin-top:2px;}
.calc-breakdown{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:8px;}
.calc-breakdown li{display:flex;justify-content:space-between;gap:10px;font-size:0.86rem;padding-bottom:8px;border-bottom:1px dashed var(--line);color:var(--ink);}
.calc-breakdown li span:last-child{font-weight:700;font-variant-numeric:tabular-nums;white-space:nowrap;}
.calc-note{font-size:0.78rem;color:var(--ink-soft);margin-top:14px;}
.calc-form .btn{justify-self:start;margin-top:2px;}
.article-hero{background:var(--hero-bg);padding:clamp(40px,7vw,64px) 0 clamp(32px,5vw,44px);}
.back-link{display:inline-flex;align-items:center;gap:6px;font-size:0.86rem;color:var(--hero-text-soft);text-decoration:none;margin-bottom:22px;font-weight:600;}
.back-link:hover{color:var(--mustard);}
.back-link.on-light{color:var(--ink-soft);} .back-link.on-light:hover{color:var(--mustard);}
.article-hero h1{font-size:clamp(1.85rem,4.2vw,2.6rem);line-height:1.16;max-width:22ch;color:var(--hero-text);}
.article-meta{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-top:18px;font-size:0.82rem;color:var(--hero-text-soft);}
article.post{padding:clamp(40px,7vw,60px) 0 20px;}
.post-body{max-width:680px;margin:0 auto;font-size:1.05rem;}
.post-body h2{font-size:1.45rem;margin-top:2.3em;margin-bottom:0.7em;font-weight:700;} .post-body h2:first-child{margin-top:0;}
.post-body p{margin:0 0 1.15em;color:var(--ink);}
.post-body ul,.post-body ol{margin:0 0 1.3em;padding-left:1.3em;color:var(--ink);}
.post-body li{margin-bottom:0.5em;} .post-body li::marker{color:var(--mustard);font-weight:700;}
.post-body strong{color:var(--ink);}
blockquote.pull{font-family:"Playfair Display",Georgia,serif;font-style:italic;font-size:1.35rem;line-height:1.45;color:var(--ink);border-left:3px solid var(--mustard);margin:2em 0;padding:0.2em 0 0.2em 1.3em;}
.cta-box{background:var(--mustard-light);color:var(--on-mustard);border-radius:18px;padding:26px 28px;margin:2.4em 0;display:flex;flex-direction:column;gap:12px;}
.cta-box .eyebrow{color:var(--on-mustard);opacity:0.7;margin-bottom:2px;} .cta-box h3{color:var(--on-mustard);}
.cta-box p{margin:0;color:var(--on-mustard);opacity:0.85;font-size:0.96rem;max-width:52ch;}
.cta-box .btn{align-self:flex-start;margin-top:4px;}
.post-footer{max-width:680px;margin:40px auto 0;padding-top:28px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;}
.next-post{display:flex;flex-direction:column;gap:4px;text-decoration:none;color:inherit;max-width:280px;}
.next-post .eyebrow{margin-bottom:2px;} .next-post span{font-weight:700;font-size:1.02rem;}
footer.site{background:var(--paper);border-top:1px solid var(--line);padding:44px 0 32px;margin-top:20px;}
footer.site .wrap{display:flex;flex-direction:column;gap:18px;}
.footer-top{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;}
.footer-tagline{color:var(--ink-soft);font-size:0.88rem;max-width:40ch;}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:0.78rem;color:var(--ink-soft);}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto;}*{transition:none !important;}}