:root{--cream:#FAF6ED;--cream-deep:#F0EBDD;--emerald:#0E5A46;--emerald-deep:#073F32;--blue:#1E4E8C;--amber:#F0B323;--ink:#172D2B;--muted:#52615B;--line:rgba(23,45,43,.18);--serif:Georgia,"Times New Roman",serif;--sans:"Avenir Next",Avenir,"Segoe UI",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.6 var(--sans)}a{color:var(--emerald)}a:focus-visible,button:focus-visible{outline:3px solid var(--amber);outline-offset:4px}.shell{width:min(1060px,calc(100% - 44px));margin:0 auto}.stripe{height:6px;background:linear-gradient(117deg,var(--emerald) 0 45%,var(--blue) 45% 61%,var(--amber) 61% 68%,var(--emerald) 68%)}header{position:sticky;top:0;z-index:10;background:rgba(250,246,237,.97);border-bottom:1px solid var(--line)}.nav-row{height:82px;display:flex;align-items:center;justify-content:space-between;gap:22px}.logo{width:205px;display:block}.logo img{display:block;width:100%;height:auto}nav{display:flex;align-items:center;gap:23px}nav a{text-decoration:none;color:#364741;font-size:13px;font-weight:650}nav a:hover{text-decoration:underline;text-decoration-color:var(--amber);text-underline-offset:5px}.nav-action,.button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 17px;border:1px solid var(--emerald);border-radius:3px;background:var(--emerald);color:white;text-decoration:none;font-size:13px;font-weight:700}.nav-action:hover,.button:hover{background:var(--emerald-deep);color:white}.menu{display:none;min-width:43px;min-height:43px;border:1px solid var(--line);background:transparent;color:var(--ink);border-radius:3px}.hero{padding:70px 0 58px;background:var(--cream-deep);border-bottom:1px solid var(--line)}.kicker{display:block;color:var(--emerald);text-transform:uppercase;font-size:10px;font-weight:800;letter-spacing:.18em}.hero h1{font:500 clamp(42px,6vw,64px)/1.02 var(--serif);letter-spacing:-.04em;margin:14px 0 18px;max-width:850px}.hero h1 span{color:var(--emerald)}.lede{font-size:17px;line-height:1.7;color:var(--muted);max-width:790px;margin:0}.hero-links{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}.button.secondary{color:var(--emerald);background:transparent}.button.secondary:hover{background:rgba(14,90,70,.08);color:var(--emerald)}main{padding-bottom:58px}.section{padding:52px 0}.section.alt{background:#fffdf8}.section h2{font:500 clamp(29px,3.4vw,40px)/1.12 var(--serif);margin:8px 0 20px;letter-spacing:-.025em}.section h3{font:600 20px/1.25 var(--serif);margin:0 0 10px}.section p{color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.card{padding:23px 25px;background:#fffdf8;border:1px solid var(--line);border-top:4px solid var(--emerald)}.card.blue{border-top-color:var(--blue)}.card.gold{border-top-color:var(--amber)}.card ul{margin:8px 0 0;padding-left:20px;color:var(--muted)}.card li{padding:3px 0}.card p:last-child{margin-bottom:0}.guide-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px 34px;margin:0;padding-left:22px}.guide-list li{padding:3px 0}.note{padding:17px 20px;background:rgba(240,179,35,.14);border-left:4px solid var(--amber);color:#454c45;margin-top:22px}.note strong{color:var(--ink)}.sources{border-top:1px solid var(--line);padding-top:24px;margin-top:32px}.sources h2{font:600 18px/1.3 var(--sans);margin:0 0 10px}.sources ul{padding-left:20px}.sources li{margin:7px 0}.sources a{overflow-wrap:anywhere}.updated{font-size:12px;color:var(--muted)}footer{border-top:5px solid var(--blue);background:#F3ECDD;padding:28px 0 20px}.footer-row{display:flex;align-items:flex-start;justify-content:space-between;gap:30px}.footer-row p{max-width:490px;margin:0;color:var(--muted);font-size:12px}.contacts{display:flex;flex-wrap:wrap;gap:8px 20px;margin:16px 0;color:var(--muted);font-size:12px}.contacts a{font-weight:650}.footer-base{display:flex;justify-content:space-between;gap:20px;padding-top:15px;border-top:1px solid var(--line);font-size:11px;color:#64706a}.footer-base a{color:var(--emerald)}.skip{position:absolute;left:-10000px;top:8px;background:white;padding:9px}.skip:focus{left:8px}
@media(max-width:760px){.shell{width:calc(100% - 34px)}.nav-row{height:72px}.logo{width:178px}.menu{display:block}nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--cream);padding:10px 18px 17px;border-bottom:1px solid var(--line)}nav.open{display:grid;gap:0}nav a{padding:12px 2px;border-bottom:1px solid rgba(23,45,43,.1)}.nav-action{display:none}.hero{padding:50px 0 43px}.cards,.guide-list{grid-template-columns:1fr}.card{padding:20px}.footer-row{display:block}.footer-row p{margin-top:18px}.footer-base{display:block}.footer-base span{display:block;margin:7px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.referral-promo{background:#F0EBDD;padding:56px 0;margin-top:44px}.referral-promo-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center;max-width:1120px;margin:0 auto;padding:0 24px}.referral-promo h2{max-width:650px;color:#172D2B}.referral-promo p{max-width:640px;color:#52615B;line-height:1.7}.referral-promo-mark{min-height:320px;background:#0E5A46;color:#FAF6ED;padding:20px;display:flex;flex-direction:column;justify-content:space-between;overflow:hidden}.referral-promo-mark img{width:100%;height:250px;object-fit:contain}.referral-promo-mark span{font:500 26px/1.1 Georgia,serif}.referral-promo .action{display:inline-block;background:#0E5A46;color:#FAF6ED;padding:13px 18px;text-decoration:none}@media(max-width:760px){.referral-promo-grid{grid-template-columns:1fr}.referral-promo-mark{min-height:280px}}