:root{--ink:#18332c;--green:#245c4a;--sage:#dfe9df;--cream:#faf7ef;--berry:#8c3d5b;--muted:#63716c;--white:#fff;--line:#d8ded9}
*{box-sizing:border-box} body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}
a{color:var(--green)} .wrap{max-width:1100px;margin:auto;padding:0 22px}
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
nav{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:16px 0;flex-wrap:wrap}
.brand{font-size:1.35rem;font-weight:800;text-decoration:none;color:var(--ink)} .brand span{color:var(--berry)}
.navlinks{display:flex;gap:16px;flex-wrap:wrap}.navlinks a{text-decoration:none;font-weight:700;font-size:.95rem}
.hero{padding:72px 0 54px;background:linear-gradient(135deg,var(--sage),var(--cream))}
h1{font-size:clamp(2.2rem,6vw,4.7rem);line-height:1.03;max-width:850px;margin:.2em 0} h2{font-size:2rem;line-height:1.2;margin-top:2.2rem}
h3{line-height:1.25}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--berry);font-size:.8rem}
.lede{font-size:1.2rem;max-width:760px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--white);padding:24px;border:1px solid var(--line);border-radius:14px}
main{padding:42px 0 70px}.article{max-width:790px}.note,.disclosure{padding:18px 20px;border-left:4px solid var(--berry);background:#fff;margin:24px 0}
.cta{display:inline-block;background:var(--green);color:white;text-decoration:none;padding:13px 19px;border-radius:9px;font-weight:800}
.ctabox{background:var(--sage);padding:28px;border-radius:16px;margin:34px 0}.muted{color:var(--muted)}
footer{background:var(--ink);color:#edf3ef;padding:40px 0}footer a{color:white}.footlinks{display:flex;gap:15px;flex-wrap:wrap}
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:24px}.breadcrumb a{color:var(--muted)}
ul{padding-left:1.25rem}@media(max-width:760px){.grid{grid-template-columns:1fr}.hero{padding-top:46px}.navlinks{width:100%}}