:root{--ink:#17352d;--leaf:#39715e;--cream:#fbf8ef;--sage:#e8f0e8;--gold:#d5a84b;--muted:#60706a}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
header{background:var(--cream);border-bottom:1px solid #e5e1d6}.wrap{max-width:1080px;margin:auto;padding:0 22px}.top{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 0}.brand{font-size:1.45rem;font-weight:800;text-decoration:none;color:var(--ink)}nav{display:flex;gap:18px;flex-wrap:wrap}nav a{color:var(--ink);text-decoration:none;font-size:.92rem}
.hero{padding:64px 0 45px;background:linear-gradient(180deg,var(--cream),#fff)}h1{font-size:clamp(2.2rem,6vw,4.6rem);line-height:1.02;max-width:850px;margin:.2em 0}h2{font-size:1.65rem;margin-top:2.2em}.lead{font-size:1.2rem;max-width:760px;color:#425b53}.eyebrow{font-weight:800;text-transform:uppercase;letter-spacing:.1em;font-size:.76rem;color:var(--leaf)}
main{padding:30px 0 70px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{padding:22px;border:1px solid #dfe7e2;border-radius:18px;background:#fff}.card a{font-weight:800;color:var(--ink)}
.note{background:var(--sage);padding:18px 20px;border-radius:14px}.disclosure{font-size:.86rem;color:var(--muted);border-left:3px solid var(--gold);padding-left:12px}
.cta{display:inline-block;background:var(--ink);color:#fff!important;text-decoration:none;padding:13px 18px;border-radius:999px;font-weight:800}.cta2{display:inline-block;color:var(--ink);font-weight:800;margin-left:10px}
table{width:100%;border-collapse:collapse;margin:20px 0}th,td{text-align:left;border-bottom:1px solid #ddd;padding:12px}footer{background:var(--ink);color:#eaf2ee;padding:34px 0}footer a{color:#fff}
@media(max-width:760px){.top{align-items:flex-start;flex-direction:column}.grid{grid-template-columns:1fr}nav{gap:12px}.hero{padding-top:38px}}