@layer reset,base,layout,components,utilities;
@layer reset{*,*::before,*::after{box-sizing:border-box}body,h1,h2,h3,p{margin:0}img{display:block;max-width:100%}button,input,select,textarea{font:inherit}button,a,input,select,textarea{-webkit-tap-highlight-color:transparent}}
@layer base{:root{--ink:#173e34;--deep:#123b31;--muted:#57675f;--paper:#f8f7f1;--white:#fff;--line:#dce2d6;--lime:#dceabb;--gold:#af7535;--serif:Georgia,'Times New Roman',serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}html{scroll-behavior:smooth;scroll-padding-top:100px}body{background:var(--paper);color:var(--ink);font:16px/1.65 var(--sans)}a{color:inherit;text-underline-offset:4px}a:hover{color:#396b4e}button{cursor:pointer}h1,h2,h3{line-height:1.1;letter-spacing:-.035em}h1,h2{font-family:var(--serif);font-weight:400}h1{font-size:clamp(2.8rem,5.4vw,5.1rem)}h2{font-size:clamp(2rem,3.4vw,3.1rem)}h3{font-size:1.2rem;font-weight:600;line-height:1.3}p+p{margin-top:1rem}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #a16a22;outline-offset:4px}::selection{background:var(--lime)}input,select,textarea{color:var(--ink);background:#fff;border:1px solid #9faa9f;border-radius:8px;padding:.8rem;width:100%;min-height:48px}input[type=checkbox],input[type=radio]{width:20px;min-height:20px;accent-color:var(--deep)}label{display:block;font-size:.92rem;font-weight:600}textarea{resize:vertical;min-height:120px}fieldset{border:1px solid var(--line);border-radius:12px;padding:1.2rem}legend{font-weight:650;padding:0 .4rem}small{font-size:.82rem}summary{cursor:pointer;font-weight:600}table{width:100%;border-collapse:collapse;font-size:.94rem}th,td{text-align:left;vertical-align:top;padding:1rem;border-bottom:1px solid var(--line)}th{background:#edf1e5;font-weight:650}caption{text-align:left;font-weight:650;padding:1rem 0}.table-wrap{overflow-x:auto}blockquote{border-left:3px solid var(--gold);margin:1.6rem 0;padding:.5rem 1.4rem;font-family:var(--serif);font-size:1.4rem}}
@layer layout{.container{width:min(1240px,calc(100% - 64px));margin:auto}.site-header{background:rgba(248,247,241,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:88px}.brand{display:inline-flex;align-items:center;gap:9px;font-family:var(--serif);font-size:1.85rem;letter-spacing:-.06em;text-decoration:none;white-space:nowrap}.brand img{width:34px;height:34px}.nav{display:flex;align-items:center;gap:28px}.nav a{text-decoration:none;font-size:.9rem;font-weight:550}.nav a[aria-current=page]{text-decoration:underline;text-decoration-thickness:2px}.nav .button{font-size:.85rem}.menu-toggle{display:none}.hero{display:grid;grid-template-columns:1.04fr 1fr;gap:60px;align-items:center;padding:64px 0 72px}.hero-copy{padding:14px 0}.hero h1{margin:20px 0 23px}.hero h1 em{color:#567448;font-weight:400}.hero .lede{max-width:490px}.hero-media{position:relative;padding:0 0 24px 20px}.hero-media>picture img{width:100%;height:540px;object-fit:cover;border-radius:180px 180px 20px 20px}.photo-caption{position:absolute;bottom:0;left:0;background:var(--white);border:1px solid var(--line);box-shadow:0 9px 30px #123b310b;padding:20px 27px;border-radius:12px;max-width:330px}.photo-caption strong{display:block;font-family:var(--serif);font-size:1.4rem;font-weight:400}.photo-caption span{font-size:.8rem;color:var(--muted)}.section{padding:76px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:28px;margin-bottom:32px}.section-head p{max-width:390px;font-size:.96rem;color:var(--muted)}.section-head h2{margin-top:10px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.split img{width:100%;height:460px;object-fit:cover;border-radius:18px}.page-intro{padding:55px 0 48px;max-width:830px}.page-intro h1{font-size:clamp(2.7rem,4.7vw,4.3rem);margin:16px 0 20px}.page-content{padding-bottom:75px}.article-layout{display:grid;grid-template-columns:minmax(0,800px) 280px;gap:66px;align-items:start}.article-body{font-size:1.035rem;color:#263e34;min-width:0}.article-body h2{font-size:2rem;margin:2.7rem 0 1.1rem;line-height:1.2}.article-body h3{margin:1.8rem 0 .8rem}.article-body ul,.article-body ol{padding-left:1.5rem}.article-body li{margin-bottom:.55rem}.article-body a{color:#215b43}.article-body>p{margin-bottom:1rem}.article-body .note{margin:1.5rem 0}.article-hero{margin:8px 0 36px}.article-hero img{width:100%;height:390px;object-fit:cover;border-radius:18px}.article-side{position:sticky;top:112px;font-size:.88rem}.article-side h2{font:600 1rem var(--sans);letter-spacing:0}.toc{list-style:none;padding:0;margin:15px 0 25px;max-height:46vh;overflow:auto}.toc li{margin:10px 0}.toc a{color:var(--muted);text-decoration:none}.toc a:hover{text-decoration:underline}.site-footer{background:var(--deep);color:#f1f4e8;padding:60px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:36px}.footer-grid h3{font:600 .85rem var(--sans);letter-spacing:.03em;margin:6px 0 16px}.footer-grid p{font-size:.86rem;color:#c7d3c8;max-width:310px}.footer-grid a:not(.brand){display:block;color:#e0e9de;font-size:.85rem;margin:8px 0;text-decoration:none}.footer-bottom{border-top:1px solid #466256;margin-top:35px;padding-top:22px;font-size:.75rem;color:#c7d3c8;display:flex;gap:30px;justify-content:space-between}.footer-bottom p{max-width:800px}.tool-layout{max-width:850px;margin:0 auto}.tool-shell{padding:32px;border:1px solid var(--line);border-radius:16px;background:white}.tool-shell h2{font-size:1.8rem;margin-bottom:18px}.tool-shell h3{margin:18px 0 12px}.tool-shell p{margin-bottom:1rem}.tool-shell form{display:grid;gap:20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field{display:grid;gap:8px}.field small{font-weight:400;color:var(--muted)}.field label{display:block}.tool-shell label:has(input[type=checkbox]),.tool-shell label:has(input[type=radio]){display:flex;align-items:start;gap:12px;font-weight:450;margin:8px 0}.tool-shell label input[type=checkbox],.tool-shell label input[type=radio]{flex:0 0 20px;margin-top:4px}.tool-shell .result-panel{margin-top:24px}.tool-shell button{justify-self:start}.result-panel{background:#f1f5e8;border:1px solid #ccd9bc;border-radius:12px;padding:24px}.result-panel:empty{display:none}.result-panel h2{font-size:1.8rem}.result-panel h3{margin:18px 0 10px}.result-panel a{font-weight:550}.result-panel ul{padding-left:1.2rem}.cta-band{background:var(--lime);border-radius:20px;padding:40px 48px;display:flex;align-items:center;justify-content:space-between;gap:30px;margin:45px 0 65px}.cta-band h2{font-size:2.4rem;margin-bottom:10px}.cta-band p{max-width:680px}.compare-controls{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:24px}.compare-controls button{background:white;border:1px solid var(--line);border-radius:99px;padding:10px 18px;color:var(--ink)}.compare-controls button[aria-pressed=true]{background:var(--deep);color:white}.contact-box{background:white;border:1px solid var(--line);border-radius:20px;padding:40px}.contact-box .email{font-size:clamp(.9rem,2vw,1.3rem);overflow-wrap:anywhere;font-weight:650}.contact-box p{margin:18px 0}.provider{padding:28px;border:1px solid var(--line);border-radius:12px;background:#fff}.provider h3{font-family:var(--serif);font-size:1.8rem;font-weight:400;margin-bottom:12px}.provider p{font-size:.92rem;margin:12px 0}.legal{max-width:820px}.legal h2{font-size:1.8rem;margin:30px 0 15px}.legal li{margin:10px 0}.source-list{padding:0;list-style:none}.source-list li{border-bottom:1px solid var(--line);padding:18px 0}.source-list a{font-weight:600;overflow-wrap:anywhere}.source-list small{display:block;color:var(--muted)}.mobile-cta{display:none}}
@layer components{.eyebrow{font:650 .7rem var(--sans);letter-spacing:.15em;text-transform:uppercase;color:#526647}.lede{font-size:1.12rem;line-height:1.75;color:var(--muted)}.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:28px 0 18px}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;background:var(--deep);color:#fff;border:1px solid var(--deep);border-radius:7px;padding:13px 21px;min-height:48px;font-size:.9rem;font-weight:600;text-decoration:none;line-height:1.4}.button:hover{background:#245941;color:white}.button-secondary{background:transparent;color:var(--ink);border-color:#a5b5a0}.button-secondary:hover{background:#e9efdf;color:var(--ink)}.button-light{background:var(--lime);color:var(--deep);border-color:var(--lime)}.text-link{font-size:.88rem;font-weight:650}.micro{font-size:.75rem;color:var(--muted)}.trust-strip{padding:20px 0;border-block:1px solid var(--line);display:flex;gap:30px;justify-content:space-between;color:#48604c;font-size:.83rem}.trust-strip span{display:flex;gap:9px;align-items:center}.trust-strip b{font-weight:400;color:#6b8456}.moment-card{display:block;text-decoration:none;background:white;border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:transform .2s,box-shadow .2s}.moment-card:hover{transform:translateY(-4px);box-shadow:0 12px 24px #123b310c}.moment-card img{width:100%;height:225px;object-fit:cover}.moment-card-body{padding:22px 24px 26px}.moment-card h3{font-family:var(--serif);font-size:1.7rem;font-weight:400;margin-bottom:8px}.moment-card p{color:var(--muted);font-size:.88rem;line-height:1.6;min-height:45px}.moment-card .card-link{margin-top:18px;display:flex;justify-content:space-between;font-size:.78rem;font-weight:650}.tag{display:inline-block;background:#edf2e4;border-radius:99px;padding:5px 10px;font-size:.68rem;font-weight:600}.concerns{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:25px}.concern{display:flex;gap:18px;align-items:center;text-decoration:none;padding:21px;background:#fff;border:1px solid var(--line);border-radius:10px;font-size:.95rem}.concern span:first-child{font-family:var(--serif);font-size:1.4rem;color:#778a61}.concern span:last-child{margin-left:auto}.card{padding:28px;background:white;border:1px solid var(--line);border-radius:14px}.card h3{margin:12px 0}.card p{font-size:.92rem;color:var(--muted);margin-bottom:18px}.card .number{font-family:var(--serif);font-size:2rem;color:#6f825c}.dark{background:var(--deep);color:#f5f5e9}.dark .eyebrow{color:#c7d7a4}.dark .lede,.dark .section-head p{color:#cbd6c7}.dark .step{border-top:1px solid #59705c;padding-top:24px}.dark .step h3{font-family:var(--serif);font-size:1.7rem;font-weight:400;margin-bottom:12px}.dark .step p{font-size:.91rem;color:#cbd6c7}.dark .number{display:block;color:#ccdcaa;font-size:.8rem;margin-bottom:22px}.note{background:#edf2e3;border-left:3px solid #708953;border-radius:0 8px 8px 0;padding:18px 22px;font-size:.93rem}.breadcrumb{font-size:.75rem;color:var(--muted);padding-top:28px;display:flex;flex-wrap:wrap;gap:9px}.breadcrumb a{text-decoration:none}.meta{font-size:.78rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:18px;margin:16px 0}.faq{border-top:1px solid var(--line);padding:20px 0}.faq p{margin-top:12px;color:var(--muted);font-size:.94rem}.guide-list{display:grid;gap:18px}.guide-row{display:flex;gap:22px;padding:20px;background:#fff;border:1px solid var(--line);border-radius:12px;text-decoration:none;align-items:center}.guide-row img{width:120px;height:100px;object-fit:cover;border-radius:8px;flex-shrink:0}.guide-row h3{font-family:var(--serif);font-size:1.6rem;font-weight:400;margin:5px 0}.guide-row p{font-size:.87rem;color:var(--muted)}.skip-link{position:absolute;left:16px;top:-80px;background:white;color:var(--ink);padding:15px;z-index:99}.skip-link:focus{top:10px}.status{font-size:.8rem;color:var(--muted);margin-top:10px}.faq-list{max-width:860px}.flow-intro{padding:28px 0;max-width:700px}}
@layer utilities{.mt{margin-top:24px}.mb{margin-bottom:24px}.center{text-align:center}.narrow{max-width:840px}.muted{color:var(--muted)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}[hidden]{display:none!important}.check{color:#5a7543}}
@media(max-width:1000px){.nav{gap:17px}.hero{gap:28px}.hero-media>picture img{height:470px}.article-layout{grid-template-columns:minmax(0,1fr) 230px;gap:30px}.grid-3{gap:16px}.moment-card-body{padding:20px}.footer-grid{grid-template-columns:1.5fr 1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}.split{gap:35px}}
@media(max-width:760px){.container{width:calc(100% - 36px)}.header-inner{height:74px}.brand{font-size:1.65rem}.menu-toggle{display:block;background:transparent;border:1px solid #a6b49f;border-radius:6px;padding:8px 12px;color:var(--ink)}.nav{display:none;position:absolute;top:73px;left:0;right:0;background:var(--paper);padding:24px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch}.nav.open{display:flex}.nav a{padding:8px}.hero{grid-template-columns:1fr;padding:36px 0 40px;gap:25px}.hero h1{font-size:3.7rem;margin:14px 0 20px}.hero-copy{padding:0}.hero-media{padding-left:14px}.hero-media>picture img{height:360px;border-radius:100px 100px 16px 16px}.photo-caption{padding:16px 22px}.section{padding:48px 0}.section-head{display:block}.section-head p{margin-top:18px}.grid-3{grid-template-columns:1fr 1fr}.moment-card img{height:185px}.moment-card h3{font-size:1.4rem}.moment-card p{min-height:0}.grid-2,.split,.article-layout{grid-template-columns:1fr}.split img{height:330px}.trust-strip{flex-wrap:wrap;gap:12px 22px;font-size:.76rem}.concerns{grid-template-columns:1fr}.article-side{position:static;grid-row:1}.article-side .toc{max-height:180px}.article-side .card{display:none}.article-hero img{height:280px}.page-intro{padding:30px 0}.cta-band{padding:28px;display:block;margin:25px 0 45px}.cta-band .button{margin-top:22px}.cta-band h2{font-size:2rem}.footer-grid{grid-template-columns:1fr 1fr;gap:28px}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom p{margin-bottom:15px}.site-footer{padding-bottom:90px}.mobile-cta{display:flex;position:fixed;bottom:0;left:0;right:0;padding:10px 18px calc(10px + env(safe-area-inset-bottom));background:rgba(248,247,241,.98);border-top:1px solid var(--line);z-index:25;justify-content:space-between;align-items:center;gap:12px}.mobile-cta span{font-size:.74rem;line-height:1.4;max-width:120px}.mobile-cta .button{font-size:.8rem;padding:10px 15px;min-height:44px}.form-grid{grid-template-columns:1fr}.tool-shell,.contact-box{padding:23px}.guide-row img{width:90px;height:100px}.guide-row{gap:15px;padding:15px}.guide-row h3{font-size:1.3rem}.guide-row p{display:none}.article-body h2{font-size:1.8rem}.article-body table{font-size:.85rem}.article-body th,.article-body td{padding:.7rem;min-width:150px}}
@media(max-width:420px){.grid-3{grid-template-columns:1fr}.moment-card img{height:230px}.hero h1{font-size:3.3rem}.actions .button{flex:1}.footer-grid{gap:20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}
@media print{.site-header,.site-footer,.mobile-cta,.article-side,.cta-band,.breadcrumb,.no-print,.tool-shell form,.actions,button{display:none!important}body{background:white;color:black;font-size:11pt}.container{width:100%}.article-layout,.split{display:block}.page-intro{padding:0 0 20px}.result-panel{border:1px solid #aaa;background:white;break-inside:avoid}h1{font-size:28pt}h2{font-size:20pt}.article-hero img{max-height:220px}.tool-shell{padding:0;border:0}a{color:black}.page-content{padding-bottom:0}}
@layer components{.tool-actions{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 4px}.checklist-grid{display:grid;gap:10px}.check-option{display:flex;align-items:flex-start;gap:12px}.lead{font-size:1.05rem;color:var(--muted)}.result-total{font-family:var(--serif);font-size:2.4rem;color:var(--ink);line-height:1.25}.form-note{font-size:.86rem;color:var(--muted)}}
@layer layout{.hero{grid-template-columns:minmax(0,1.04fr) minmax(0,1fr)}.hero-copy,.hero-media{min-width:0}.hero-media>picture{display:block}}
@media(max-width:760px){.hero{grid-template-columns:minmax(0,1fr)}}
@media(max-width:420px){.hero .actions{align-items:stretch}.hero .actions .button{flex-basis:100%;padding:12px 18px}.hero .lede{font-size:1.02rem;line-height:1.65}}
@layer components{.coverage-glance{background:#edf2e3;border:1px solid #d6dfc8;border-radius:14px;padding:24px;margin-bottom:35px}.coverage-glance dl{display:grid;grid-template-columns:1fr 1fr;gap:18px 24px;margin-bottom:0}.coverage-glance dt{font-size:.78rem;font-weight:700;margin-bottom:6px}.coverage-glance dd{margin:0;font-size:.9rem;line-height:1.6}.coverage-glance dl>div{min-width:0}}
@media(max-width:600px){.coverage-glance dl{grid-template-columns:1fr}}