:root{--ink:#1d2124;--muted:#5d646a;--bg:#f3f1ed;--card:#fff;--brand:#24282c;--accent:#b8402a;--link:#9a3522;--line:#d6d2ca;--steel:#8b949b}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}a{color:var(--link)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;padding:12px 20px;gap:12px;flex-wrap:wrap}
.logo{text-decoration:none;display:flex;align-items:center;gap:10px}
nav a{margin-left:16px;text-decoration:none;font-size:.95rem}
.btn{display:inline-block;border:0;padding:12px 22px;font-weight:700;font-size:1rem;text-decoration:none;cursor:pointer;min-height:44px;font-family:inherit}
.btn:hover{filter:brightness(.92)}
.hero{position:relative}.hero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero .wrap{position:relative;display:grid;gap:28px;padding:44px 20px;grid-template-columns:1fr}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.1fr .9fr;padding:72px 20px}}
.ticks{list-style:none;padding:0}
section{padding:52px 0}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.tile img{aspect-ratio:3/2;object-fit:cover;margin-bottom:10px;width:100%}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;padding-left:48px;position:relative;margin:16px 0}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;display:grid;place-items:center;font-weight:700}
table{width:100%;border-collapse:collapse;font-size:.95rem}th,td{padding:9px 11px;text-align:left;vertical-align:top}
.tablewrap{overflow-x:auto}.note{font-size:.88rem;color:var(--muted)}
fieldset{border:0;padding:0;margin:0}legend{font-weight:700;font-size:1.1rem;margin-bottom:10px}
.opts{display:grid;gap:10px;grid-template-columns:1fr 1fr}
.opts label{padding:12px;cursor:pointer;display:flex;gap:8px;align-items:center;min-height:48px}
.opts input:checked+span{font-weight:700}
.field{margin:10px 0}.field label{display:block;font-weight:600;font-size:.95rem}
.field label.inline{font-weight:400;display:flex;gap:8px;align-items:flex-start}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;padding:11px;font:inherit;background:#fff;color:#111}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.progress{height:6px;margin-bottom:14px}.progress div{height:100%;width:20%;transition:width .2s}
.navbtns{display:flex;justify-content:space-between;margin-top:16px;gap:10px}
.err{color:#b3261e;font-size:.9rem;min-height:1.2em}
.est output{display:block;font-size:1.6rem;font-weight:800;margin:8px 0}
.prose{max-width:780px}.prose h2{margin-top:1.6em}
.crumbs{font-size:.88rem;margin-bottom:8px}
.cta-band{text-align:center}
footer{padding:36px 0;font-size:.9rem}
[hidden]{display:none!important}
@media(max-width:720px){header.top nav{order:3;width:100%;overflow-x:auto;white-space:nowrap;padding-bottom:4px}header.top nav a{margin:0 16px 0 0}.row2{grid-template-columns:1fr}}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0}.chips button{padding:8px 12px;cursor:pointer;font:inherit}

body{font:16.5px/1.6 "Inter","Segoe UI",Roboto,Helvetica,Arial,sans-serif}
h1,h2,h3{font-family:"Rockwell","Roboto Slab","Courier New",Georgia,serif;line-height:1.15;margin:.2em 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5.2vw,3.3rem)}h2{font-size:clamp(1.45rem,3.3vw,2.1rem)}
header.top{background:var(--brand);color:#fff;border-bottom:4px solid var(--accent)}
.logo{color:#fff;font-size:1.25rem;font-family:"Rockwell","Roboto Slab",Georgia,serif}.logo b{color:#f0b9a8;margin-left:4px}
nav a{color:#e9e6e1}nav a:hover{color:#fff;text-decoration:underline}
.btn{background:var(--accent);color:#fff;border-radius:3px;text-transform:uppercase;letter-spacing:.06em;font-size:.88rem}
.btn.ghost{background:transparent;border:2px solid currentColor;color:var(--brand)}
.hero{background:#1b1e21;color:#fff}.hero .bg{opacity:.38;filter:grayscale(.3)}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:10px;background:repeating-linear-gradient(90deg,var(--accent) 0 40px,#1b1e21 40px 48px)}
.hero .kicker{display:inline-block;background:var(--accent);padding:4px 10px;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700}
.hero p.lead{font-size:1.15rem;max-width:33em;color:#ece9e4}
.ticks li{padding-left:26px;position:relative;margin:6px 0}.ticks li:before{content:"";position:absolute;left:0;top:.55em;width:12px;height:12px;background:var(--accent)}
.card{background:var(--card);color:var(--ink);border-radius:4px;padding:24px;box-shadow:0 18px 40px rgba(0,0,0,.35);border-top:6px solid var(--accent)}
.alt{background:#fff;border-block:1px solid var(--line)}.dark{background:var(--brand);color:#eee}.dark a{color:#f3b19e}
.opts label{border:2px solid var(--line);border-radius:3px;background:#faf9f7}.opts label:has(input:checked){border-color:var(--accent);background:#fbeee9}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{border:1px solid #b9b4aa;border-radius:3px}
:focus-visible{outline:3px solid #e1913a;outline-offset:2px}
.progress{background:#e4e0d9}.progress div{background:var(--accent)}
.stepcount{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.steps li:before{background:var(--accent);color:#fff;border-radius:2px}
table{background:#fff}th,td{border:1px solid var(--line)}th{background:#2d3236;color:#fff}
.est output{color:var(--accent)}
.tile{background:#fff;border:1px solid var(--line);padding:0 0 14px}.tile h3,.tile p{padding:0 16px}
.stat{border-left:6px solid var(--accent);padding:6px 16px;background:#fff}.stat b{display:block;font-family:"Rockwell","Roboto Slab",Georgia,serif;font-size:1.7rem}
.disclose{border:2px dashed var(--steel);padding:14px;background:#fff;font-size:.92rem}
footer{background:#16191b;color:#c9c5be}footer a{color:#f0b9a8}
.regionlist a{display:block;padding:14px 16px;background:#fff;border:1px solid var(--line);border-left:6px solid var(--accent);text-decoration:none;color:var(--ink)}
.regionlist a:hover{background:#fbeee9}.regionlist span{display:block;font-size:.85rem;color:var(--muted)}