:root{--ink:#13231d;--paper:#f4f0e7;--cream:#fffaf0;--orange:#e66d2e;--orange2:#b94c1c;--sage:#5f7569;--line:#d7d0c4;--white:#fff;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);background:var(--cream);font-size:17px;line-height:1.62}a{color:var(--orange2);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%;display:block}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}
.topbar{background:var(--ink);color:#fff;font-size:.82rem;letter-spacing:.02em}.topbar .wrap{display:flex;justify-content:space-between;gap:24px;padding:8px 0}.topbar a{color:#fff;text-decoration:none}
header{background:rgba(255,250,240,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}.head{height:72px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{font-weight:900;font-size:1.35rem;letter-spacing:-.04em;text-decoration:none;color:var(--ink)}.brand span{color:var(--orange)}nav{display:flex;align-items:center;gap:22px}nav a{color:var(--ink);text-decoration:none;font-size:.92rem;font-weight:650}.nav-cta{background:var(--orange);color:#fff!important;padding:11px 16px;border-radius:3px}.menu{display:none;border:0;background:none;font-size:1.8rem}
.hero{position:relative;min-height:480px;display:flex;align-items:end;color:#fff;background:#111;overflow:hidden}.hero picture,.hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,25,20,.84),rgba(10,25,20,.28) 62%,rgba(10,25,20,.08))}.hero .inner{position:relative;z-index:2;width:min(var(--max),calc(100% - 40px));margin:auto;padding:72px 0 62px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;font-weight:800}.hero h1{font-size:clamp(2.35rem,5vw,4.65rem);line-height:.98;letter-spacing:-.05em;max-width:780px;margin:.25em 0}.hero p{font-size:1.14rem;max-width:640px;margin:0 0 24px}.button{display:inline-block;background:var(--orange);color:#fff;text-decoration:none;font-weight:800;padding:13px 20px;border-radius:3px}.button.secondary{background:transparent;border:1px solid rgba(255,255,255,.7);margin-left:8px}
.introband{background:var(--paper);border-bottom:1px solid var(--line)}.introband .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;padding:54px 0}.introband h2{font-size:2rem;line-height:1.1;margin:.1em 0 .55em;letter-spacing:-.03em}.biglead{font-size:1.18rem}.statlist{border-left:4px solid var(--orange);padding-left:22px;align-self:center}.statlist p{margin:.3em 0}
.section{padding:64px 0}.section.alt{background:var(--paper)}.section h2{font-size:2.1rem;line-height:1.1;letter-spacing:-.035em;margin:0 0 28px}.feature-list{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--line)}.feature{display:grid;grid-template-columns:130px 1fr;gap:20px;padding:24px 0;border-bottom:1px solid var(--line)}.feature:nth-child(odd){padding-right:28px}.feature:nth-child(even){padding-left:28px;border-left:1px solid var(--line)}.feature img{width:130px;height:95px;object-fit:cover}.feature h3{font-size:1.18rem;margin:0 0 5px}.feature p{margin:0;font-size:.95rem}.feature a{font-weight:800;text-decoration:none}
.article-hero{height:350px;position:relative;color:#fff;display:flex;align-items:end;background:#111}.article-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.article-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(10,25,20,.88),rgba(10,25,20,.12))}.article-hero .wrap{position:relative;z-index:2;padding-bottom:34px}.article-hero h1{font-size:clamp(2rem,4vw,3.5rem);line-height:1.02;letter-spacing:-.045em;max-width:900px;margin:.2em 0}.article-shell{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:60px;padding:54px 0}.article h2{font-size:1.7rem;line-height:1.15;margin:1.55em 0 .5em}.article h3{font-size:1.2rem}.article p,.article li{max-width:72ch}.article .callout{background:var(--paper);border-left:5px solid var(--orange);padding:20px 24px;margin:28px 0}.article ul{padding-left:1.2em}.side{align-self:start;position:sticky;top:95px}.sidebox{background:var(--ink);color:#fff;padding:24px;margin-bottom:18px}.sidebox h3{margin-top:0}.sidebox a{color:#fff}.qz{margin-top:14px;color:#fff;font-size:.86rem}.qz button{border:0;background:none;color:#fff;text-decoration:underline;cursor:pointer;padding:0;font:inherit;font-weight:800}.qz-popup{position:fixed;inset:0;background:rgba(0,0,0,.58);display:none;align-items:center;justify-content:center;z-index:100}.qz-popup.open{display:flex}.qz-dialog{background:#fff;color:var(--ink);width:min(560px,calc(100% - 34px));padding:28px;box-shadow:0 20px 70px rgba(0,0,0,.35);position:relative}.qz-close{position:absolute;right:12px;top:8px;border:0;background:none;font-size:1.8rem;cursor:pointer}
.index-head{padding:56px 0 25px}.index-head h1{font-size:3.4rem;letter-spacing:-.05em;line-height:1;margin:.2em 0}.linkrows{border-top:1px solid var(--line)}.linkrow{display:grid;grid-template-columns:220px 1fr auto;gap:24px;align-items:start;padding:22px 0;border-bottom:1px solid var(--line)}.linkrow .cat{text-transform:uppercase;font-size:.73rem;letter-spacing:.12em;font-weight:900;color:var(--sage)}.linkrow h2{font-size:1.28rem;margin:0}.linkrow p{margin:.35em 0 0}.linkrow>a{text-decoration:none;font-weight:900}
footer{background:var(--ink);color:#fff;margin-top:70px}.foot{display:grid;grid-template-columns:1fr 1fr;gap:50px;padding:48px 0}.foot a{color:#fff}.legal{font-size:.83rem;color:#d8ded9}.footlinks{display:flex;flex-wrap:wrap;gap:18px;justify-content:flex-end}
@media(max-width:820px){nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--cream);padding:18px 22px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}nav.open{display:flex}.menu{display:block}.introband .wrap,.article-shell,.foot{grid-template-columns:1fr}.feature-list{grid-template-columns:1fr}.feature:nth-child(n){padding:22px 0;border-left:0}.side{position:static}.hero{min-height:430px}.linkrow{grid-template-columns:1fr;gap:4px}.footlinks{justify-content:flex-start}.topbar .wrap{display:block}.topbar span:last-child{display:none}}

.article-shell.legal-page{grid-template-columns:minmax(0,920px);justify-content:center}.legal-page .article p,.legal-page .article li{max-width:82ch}.legal-page .article h2{margin-top:1.8em}.contact-box{background:var(--paper);border:1px solid var(--line);padding:22px 24px;margin:26px 0}.contact-box p{margin:.35em 0}

.example-note{background:#fff4dc;border:1px solid #e6c98a;padding:18px 20px;margin:26px 0;font-size:.95rem}.example-note strong{display:block;margin-bottom:4px}.example-table{width:100%;border-collapse:collapse;margin:20px 0 28px;background:#fff}.example-table th,.example-table td{padding:11px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.example-table th{background:var(--paper);font-size:.9rem}.example-table td:last-child,.example-table th:last-child{text-align:right}.example-total{font-weight:800}.worked-example{margin:34px 0;padding:24px;border:1px solid var(--line);background:#fff}.worked-example h2,.worked-example h3{margin-top:0}.worked-example .result{font-size:1.2rem;font-weight:800;border-left:4px solid var(--orange);padding-left:14px}.scenario-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:22px 0}.scenario{background:var(--paper);padding:20px}.scenario h3{margin-top:0}@media(max-width:700px){.scenario-grid{grid-template-columns:1fr}.example-table{font-size:.92rem}}