:root{
  --ink:#14213d; --ink-2:#22325a; --paper:#f8f6f1; --card:#fff; --text:#1f2430; --muted:#5b6272;
  --line:#e4dfd3; --green:#1d7a5a; --green-soft:#e5f2ec; --hi:#f2c14e; --hi-soft:#fdf3d6;
  --radius:12px; --serif:"Newsreader",Georgia,serif; --sans:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);font:16px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
a{color:var(--green)}
img{max-width:100%;height:auto}
.wrap{max-width:1160px;margin:0 auto;padding:0 16px}
.narrow{max-width:780px;padding-top:32px;padding-bottom:56px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:9}

/* header */
.site-head{background:var(--ink);color:#fff;position:sticky;top:0;z-index:20}
.head-row{display:flex;align-items:center;justify-content:space-between;min-height:62px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font:600 19px var(--sans);letter-spacing:-.2px}
.logo svg rect{fill:#22325a}.logo b{color:var(--hi);font-weight:600}
.nav{display:flex;gap:4px}
.nav a{color:#d9def0;text-decoration:none;font-weight:500;font-size:15px;padding:8px 12px;border-radius:8px}
.nav a:hover,.nav a[aria-current]{background:var(--ink-2);color:#fff}
.nav a[aria-current]{box-shadow:inset 0 -2px 0 var(--hi)}
.nav-toggle{display:none;background:none;border:1px solid #3a4a72;color:#fff;border-radius:8px;padding:6px 12px;font:500 14px var(--sans)}
@media (max-width:760px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:62px;background:var(--ink);flex-direction:column;padding:8px 16px 16px}
  .nav.open{display:flex}
}

/* type */
h1,h2,h3{font-family:var(--serif);color:var(--ink);line-height:1.2;font-weight:600;letter-spacing:-.3px}
.eyebrow{font:600 12px var(--sans);letter-spacing:1.4px;text-transform:uppercase;color:var(--green);margin:0 0 10px}
.lead{font-size:19px;color:#3b4252;max-width:720px}
.meta{font-size:14px;color:var(--muted)}
.meta a{color:inherit}
.checked{background:var(--hi-soft);padding:1px 6px;border-radius:4px;color:#7a5a00}
.sec-h{font-size:28px;margin:48px 0 18px}

/* buttons */
.btn{display:inline-block;background:var(--hi);color:var(--ink);font-weight:600;text-decoration:none;padding:12px 20px;border-radius:10px}
.btn.ghost{background:transparent;color:#fff;border:1px solid #4a5a82}
.hero-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}

/* home */
.home-hero{background:var(--ink);color:#fff;padding:56px 0 64px}
.home-hero h1{color:#fff;font-size:clamp(34px,5vw,52px);margin:0 0 16px}
.home-hero .lead{color:#c9d0e6}
.home-hero .eyebrow{color:var(--hi)}
.hero-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.scorecard{background:#fff;color:var(--text);border-radius:var(--radius);padding:20px 22px;transform:rotate(1.2deg);box-shadow:0 18px 40px rgba(0,0,0,.25);
  background-image:repeating-linear-gradient(#fff 0 35px,#eef1f7 35px 36px)}
.sc-h{font:600 13px var(--sans);letter-spacing:1px;text-transform:uppercase;color:var(--muted);margin:0 0 6px}
.sc-row{display:flex;align-items:center;gap:12px;height:36px}
.sc-badge{flex:0 0 58px;font-weight:600;color:var(--ink);background:var(--hi-soft);border-left:3px solid var(--hi);padding:2px 8px;font-size:14px}
.sc-txt{font-size:14px;color:#3b4252}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.scorecard{transform:none}}

.cert-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.cert{display:flex;flex-direction:column;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--text);transition:border-color .15s,transform .15s}
.cert:hover{border-color:var(--green);transform:translateY(-2px)}
.cert-code{font:600 30px var(--serif);color:var(--ink)}
.cert-name{font-size:14px;color:var(--muted);margin-top:-6px}
.cert-d{font-size:15px}
.cert-meta{display:flex;flex-direction:column;gap:2px;font-size:13.5px;color:#3b4252;border-top:1px dashed var(--line);padding-top:10px;margin-top:4px}
.cert-go{margin-top:auto;padding-top:8px;color:var(--green);font-weight:600;font-size:14px}
.home-body{max-width:820px;padding-bottom:56px}

/* article */
.art-hero{background:linear-gradient(180deg,#fff, var(--paper));border-bottom:1px solid var(--line);padding:28px 0 30px}
.art-hero h1{font-size:clamp(30px,4.4vw,46px);margin:0 0 12px;max-width:860px}
.crumbs{font-size:13.5px;color:var(--muted);margin-bottom:18px;display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--green)}
.art-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;padding-top:36px;padding-bottom:20px}
.art-grid .prose{grid-column:1;grid-row:1}
.art-side{grid-column:2;grid-row:1;align-self:start;position:sticky;top:80px;display:flex;flex-direction:column;gap:16px}
@media (max-width:960px){.art-grid{grid-template-columns:1fr;gap:24px}.art-side{grid-column:1;grid-row:auto;position:static}.art-grid .prose{grid-row:auto}}
.facts,.toc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
.facts{border-top:4px solid var(--hi)}
.side-h{font:600 12px var(--sans);letter-spacing:1.2px;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
.facts dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:8px 12px;font-size:14px}
.facts dt{color:var(--muted)}.facts dd{margin:0;font-weight:500;color:var(--ink)}
.toc ol{margin:0;padding-left:18px;font-size:14px}.toc li{margin:5px 0}.toc a{color:var(--text);text-decoration:none}.toc a:hover{color:var(--green)}

/* prose */
.prose{font-size:17px;min-width:0}
.prose h2{font-size:28px;margin:44px 0 12px;scroll-margin-top:80px}
.prose h3{font-size:21px;margin:28px 0 8px}
.prose p,.prose li{color:#2a303c}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin:6px 0}
.prose strong{color:var(--ink)}
.tbl{overflow-x:auto;margin:20px 0;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.prose table{border-collapse:collapse;width:100%;font-size:15px;min-width:520px}
.prose th,.prose td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:#f2efe7;font-weight:600;color:var(--ink);font-size:14px}
.prose tr:last-child td{border-bottom:0}
.note{background:var(--green-soft);border-left:4px solid var(--green);padding:14px 18px;border-radius:0 var(--radius) var(--radius) 0;margin:22px 0;font-size:16px}
.note.warn{background:var(--hi-soft);border-color:var(--hi)}
.note p{margin:0}
.steps{counter-reset:s;list-style:none;padding:0!important}
.steps li{counter-increment:s;position:relative;padding-left:46px;margin:14px 0}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--ink);color:var(--hi);font-weight:600;display:grid;place-items:center;font-size:14px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin:10px 0;padding:0 18px}
.faq summary{cursor:pointer;font-weight:600;color:var(--ink);padding:15px 0;list-style:none}
.faq summary::after{content:"+";float:right;color:var(--green);font-size:20px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 16px}
.sources{margin-top:36px;font-size:15px}.sources ul{padding-left:18px}
.author-box{margin-top:28px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;font-size:15px}
.author-box p:last-child{margin:0}

.more{padding-bottom:12px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;display:flex;flex-direction:column;gap:6px}
.card-t{font:600 18px var(--serif);color:var(--ink)}.card-d{font-size:14px;color:var(--muted)}
.hub-links{display:flex;flex-wrap:wrap;gap:10px;margin:8px 0 48px}
.hub-links a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;text-decoration:none;font-weight:600;color:var(--ink)}
.hub-links a:hover{border-color:var(--green);color:var(--green)}
.page-h1{font-size:clamp(30px,4vw,42px);margin:0 0 6px}

/* footer */
.site-foot{background:var(--ink);color:#c9d0e6;margin-top:40px;padding:44px 0 20px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.foot-grid a{display:block;color:#c9d0e6;text-decoration:none;margin:5px 0}.foot-grid a:hover{color:#fff}
.foot-brand{font:600 20px var(--sans);color:#fff;margin:0 0 8px}.foot-brand b{color:var(--hi);font-weight:600}
.foot-h{color:#fff;font-weight:600;margin:0 0 8px}
.foot-legal{border-top:1px solid #2c3b63;margin-top:28px;padding-top:16px;font-size:13px;color:#98a2c0}
@media (max-width:700px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid>div:first-child{grid-column:1/-1}}

/* calculators */
.calc{background:#fff;border:1px solid var(--line);border-top:4px solid var(--green);border-radius:var(--radius);padding:20px;margin:24px 0 8px}
.calc-h{font:600 20px var(--serif);color:var(--ink);margin:0 0 14px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc label{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:500;color:var(--ink)}
.calc select,.calc input[type=date],.calc input[type=number]{font:15px var(--sans);padding:10px 12px;border:1px solid #cfc9bb;border-radius:8px;background:#fdfcf9;color:var(--text)}
.calc .calc-check{flex-direction:row;align-items:center;grid-column:1/-1;font-weight:400}
.calc-check input{width:18px;height:18px;accent-color:var(--green)}
.calc-out{margin-top:18px;border-top:1px dashed var(--line);padding-top:16px}
.calc-total{display:flex;justify-content:space-between;align-items:baseline;background:var(--ink);color:#fff;border-radius:10px;padding:14px 18px;margin-bottom:10px}
.calc-total strong{font:600 30px var(--serif);color:var(--hi);white-space:nowrap;margin-left:12px}
.calc-out table{width:100%;min-width:0;font-size:15px}
.calc-out td{padding:8px 4px;border-bottom:1px solid var(--line)}
.calc-out td:last-child{text-align:right;font-weight:600;color:var(--ink)}
.calc-note{font-size:13px;color:var(--muted);margin:10px 0 0}
@media (max-width:600px){.calc-grid{grid-template-columns:1fr}}

/* checklist tool */
.chk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.chk-grid fieldset{border:1px solid var(--line);border-radius:10px;padding:10px 12px;margin:0}
.chk-grid legend{font:600 12px var(--sans);letter-spacing:1px;text-transform:uppercase;color:var(--muted);padding:0 4px}
.calc .chk-grid label{flex-direction:row;align-items:flex-start;gap:8px;font-weight:400;font-size:14px;margin:6px 0}
.chk-grid input{width:17px;height:17px;margin-top:2px;accent-color:var(--green);flex:0 0 auto}
.tc-list{list-style:none;padding:0!important;margin:8px 0;columns:2;column-gap:20px;font-size:14px}
.tc-list li{margin:4px 0;break-inside:avoid}
.tc-list .ok{color:var(--green);font-weight:500}.tc-list .todo{color:var(--muted)}
.tc-tip{background:var(--hi-soft);border-left:3px solid var(--hi);padding:8px 12px;border-radius:0 8px 8px 0;font-size:14px;margin:8px 0}
@media (max-width:760px){.chk-grid{grid-template-columns:1fr}.tc-list{columns:1}}