:root{
  --ink:#17211d;--muted:#5f6d66;--forest:#12372a;--forest2:#1f5a45;--cream:#faf7f0;
  --paper:#ffffff;--sand:#f2eadc;--amber:#d97706;--line:#dfe6e1;--max:1120px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:var(--forest2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--amber)}
img{max-width:100%;height:auto}
.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:74px}
.brand img{display:block;width:240px;height:42px}
nav ul{display:flex;gap:18px;list-style:none;padding:0;margin:0;flex-wrap:wrap}
nav a{text-decoration:none;font-weight:650;color:var(--ink);font-size:.95rem}
.hero{padding:80px 0 56px;background:linear-gradient(180deg,var(--cream),#fff)}
.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-weight:800;font-size:.78rem;color:var(--amber)}
h1,h2,h3{line-height:1.15;color:var(--forest);margin-top:0}
h1{font-size:clamp(2.35rem,6vw,4.8rem);letter-spacing:-.045em;max-width:900px;margin:.25em 0 .35em}
h2{font-size:clamp(1.65rem,3vw,2.4rem);letter-spacing:-.025em;margin-top:2.4rem}
h3{font-size:1.2rem;margin-top:1.7rem}
.lede{font-size:1.22rem;max-width:760px;color:#394841}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:10px;text-decoration:none;font-weight:800;border:1px solid var(--forest)}
.btn-primary{background:var(--forest);color:#fff}.btn-primary:hover{color:#fff;background:#1b4a38}
.btn-secondary{background:#fff;color:var(--forest)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff;box-shadow:0 8px 24px rgba(20,45,35,.05)}
.card h3{margin-top:0}.card p{color:var(--muted);margin-bottom:0}
.section{padding:54px 0}.section.alt{background:var(--cream)}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:52px;padding:48px 0}
.article h1{font-size:clamp(2.2rem,5vw,3.8rem)}
.article p,.article li{font-size:1.05rem}
.article ul,.article ol{padding-left:1.25rem}
.article .intro{font-size:1.2rem;color:#3e4d46}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin:20px 0}
.breadcrumbs a{color:var(--muted)}
.note,.disclosure,.cta,.source-note{border-radius:14px;padding:18px 20px;margin:28px 0}
.note{background:#f4f7f5;border:1px solid var(--line)}
.disclosure{background:#fff8e8;border:1px solid #f1d8a6}
.cta{background:var(--forest);color:#fff}.cta h2,.cta h3{color:#fff;margin-top:0}.cta a{color:#fff}
.cta .btn{background:#fff;color:var(--forest);border-color:#fff}.cta .btn:hover{color:var(--amber)}
.source-note{background:#f8f8f6;border:1px dashed #bfc9c2;font-size:.94rem;color:var(--muted)}
.toc{position:sticky;top:96px;align-self:start;border-left:3px solid var(--sand);padding-left:18px}
.toc h3{font-size:1rem}.toc ul{list-style:none;padding:0;margin:0}.toc li{margin:.45rem 0}.toc a{text-decoration:none;font-size:.92rem}
.kicker{display:inline-block;padding:4px 9px;border-radius:999px;background:var(--sand);font-size:.78rem;font-weight:800;color:var(--forest)}
.table-wrap{overflow-x:auto;margin:24px 0}table{border-collapse:collapse;width:100%;min-width:620px}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:var(--cream)}
.related{border-top:1px solid var(--line);margin-top:44px;padding-top:28px}.related ul{columns:2;gap:28px}
.merchant-lockup{display:flex;align-items:center;gap:16px;padding:18px;border:1px solid var(--line);border-radius:14px;background:#fff}
.merchant-lockup img{width:239px;height:30px;max-width:100%;object-fit:contain}
.site-footer{margin-top:40px;background:#0f2b21;color:#dce7e1;padding:46px 0 24px}.site-footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.footer-meta{font-size:.85rem;color:#b9c8c0;border-top:1px solid rgba(255,255,255,.16);margin-top:28px;padding-top:18px}
.mobile-nav{display:none}
@media(max-width:880px){
  .article-shell{grid-template-columns:1fr}.toc{position:static;border-left:0;border-top:1px solid var(--line);padding:18px 0 0}
  .grid{grid-template-columns:1fr 1fr}.header-row{align-items:flex-start;padding:14px 0}.header-row nav{display:none}
  .mobile-nav{display:block}.related ul{columns:1}
}
@media(max-width:560px){
  .grid{grid-template-columns:1fr}.hero{padding-top:56px}.brand img{width:205px;height:auto}
  .footer-grid{grid-template-columns:1fr}.wrap{width:min(var(--max),calc(100% - 24px))}
}