:root{--clay:#b3502f;--clay-dark:#a4472b;--olive:#4a5a3c;--olive-soft:#eef0e6;--cream:#fbf8f3;--ink:#24221f;--muted:#6b665e;--line:#e4ddd2;--white:#fff}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:"DM Sans","DM Sans Fallback",system-ui,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:Fraunces,"Fraunces Fallback",Georgia,serif;line-height:1.12}
.btn{display:inline-block;background:var(--clay);color:var(--white);font-weight:700;padding:14px 24px;border-radius:999px;text-decoration:none;border:0;cursor:pointer;font-size:16px}
.btn:hover{background:var(--clay-dark)}
.btn:disabled{opacity:.7;cursor:wait}
.btn-sm{padding:10px 18px;font-size:15px;white-space:nowrap}
header.top{background:var(--cream);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:66px;gap:16px}
.logo{font-family:Fraunces,"Fraunces Fallback";font-weight:700;font-size:22px;white-space:nowrap;text-decoration:none}
.logo b{color:var(--clay)}
nav{display:flex;gap:22px;font-size:15px;font-weight:500}
nav a{text-decoration:none}
nav a:hover,nav a[aria-current]{color:var(--clay)}
.crumbs{font-size:13px;color:var(--muted);padding-top:18px}
.crumbs a{text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.page-hero{padding:28px 0 48px}
.page-hero .wrap{display:grid;grid-template-columns:1fr 420px;gap:48px;align-items:center}
.page-hero h1{font-size:clamp(34px,4.8vw,52px);margin-bottom:14px}
.page-hero .lead{font-size:18px;color:var(--muted);max-width:560px}
form.quote{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:26px;position:relative}
form.quote h2{font-size:26px;margin-bottom:4px}
form.quote > p{color:var(--muted);font-size:14px;margin-bottom:14px}
form.quote label{display:block;font-size:13px;font-weight:700;margin:10px 0 4px}
form.quote input,form.quote select{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:var(--cream)}
.pair{display:grid;grid-template-columns:1fr 1fr;gap:10px}
form.quote .btn{width:100%;margin-top:16px}
.fine{font-size:12px;color:var(--muted);margin-top:10px;text-align:center}
.content{background:var(--white);padding:56px 0}
.content .wrap{max-width:780px}
.content h2{font-size:30px;margin:38px 0 10px}
.content h2:first-child{margin-top:0}
.content h3{font-size:21px;margin:20px 0 6px}
.content p{margin-bottom:14px;color:#3d3a35}
.content ul{margin:0 0 14px 22px;color:#3d3a35}
.content li{margin-bottom:6px}
.content a{color:var(--clay-dark);font-weight:700}
.content .tablewrap{overflow-x:auto;margin:8px 0 6px}
.content table{width:100%;border-collapse:collapse;font-size:15px;min-width:460px}
.content th,.content td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.content thead th{background:var(--olive);color:var(--white)}
.content .note{font-size:14px;color:var(--muted)}
.content .sources{font-size:14px;color:var(--muted)}
.content .sources a{font-weight:500}
.faq{padding:56px 0}
.faq .wrap{max-width:780px}
.faq h2{font-size:34px;margin-bottom:12px}
details{border-bottom:1px solid var(--line);padding:16px 0}
summary{font-weight:700;cursor:pointer;font-size:17px}
details p{color:var(--muted);margin-top:8px}
.related{background:var(--white);padding:56px 0}
.related h2{font-size:30px;margin-bottom:18px}
.related .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.related a.tile{display:block;border:1px solid var(--line);border-radius:16px;padding:20px;text-decoration:none;background:var(--cream)}
.related a.tile:hover{border-color:var(--clay)}
.related .tile h3{font-size:21px;margin-bottom:4px}
.related .tile p{font-size:14px;color:var(--muted)}
.band{background:var(--clay);color:var(--white);text-align:center;padding:64px 0}
.band h2{font-size:clamp(28px,3.6vw,40px);margin-bottom:10px}
.band p{margin-bottom:22px}
.band .btn{background:var(--white);color:var(--clay)}
footer{padding:28px 0;font-size:13px;color:var(--muted);border-top:1px solid var(--line)}
footer p+p{margin-top:8px}
.sticky-cta{display:none}
@media (max-width:980px){nav{display:none}}
@media (max-width:900px){
  .page-hero .wrap,.related .grid{grid-template-columns:1fr}
  .sticky-cta{display:block;position:fixed;left:0;right:0;bottom:0;background:var(--clay);color:#fff;text-align:center;padding:14px;font-weight:700;text-decoration:none;z-index:20}
  body{padding-bottom:52px}
  .grecaptcha-badge{bottom:66px !important}
}
@media (max-width:540px){.pair{grid-template-columns:1fr}}