:root{--ink:#20261f;--paper:#f6f1e7;--wood:#98613b;--deep:#26372d;--soft:#e7dfd1;--white:#fff;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Georgia,serif;line-height:1.72}
a{color:#654126}.wrap{max-width:var(--max);margin:auto;padding:0 22px}.top{background:var(--deep);color:#fff;padding:15px 0}.headrow{display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font:800 22px Arial,sans-serif;color:#fff;text-decoration:none}.tag{font:13px Arial,sans-serif;opacity:.82}.headercta,.btn{display:inline-block;background:var(--wood);color:#fff;text-decoration:none;padding:12px 16px;border-radius:6px;font:700 14px Arial,sans-serif}
nav{background:#fff;border-bottom:1px solid #d8cfbf}.nav{display:flex;gap:18px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}nav a{font:600 13px Arial,sans-serif;text-decoration:none;color:var(--deep)}
.hero{padding:68px 0 44px}.hero h1,article h1{font-size:clamp(2.25rem,5.5vw,4.35rem);line-height:1.04;margin:.16em 0}.hero p{font-size:1.18rem;max-width:780px}.heroactions{display:flex;gap:12px;flex-wrap:wrap;margin-top:23px}
.kicker{font:700 12px Arial,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:#765034}.breadcrumbs{font:12px Arial,sans-serif;color:#71685e;margin-bottom:22px}.breadcrumbs a{text-decoration:none}
article{max-width:820px;margin:auto;padding:44px 22px 70px}article>p:first-of-type{font-size:1.15rem}article h2{font-size:1.72rem;line-height:1.22;margin-top:1.75em}.toc{background:#fff;border:1px solid #ded5c6;border-radius:8px;padding:18px 22px;margin:26px 0}.toc strong{font-family:Arial,sans-serif}.toc a{display:block;margin:5px 0}
.cta{background:#fff;border:1px solid #d8c9b7;border-top:5px solid var(--wood);padding:22px;margin:34px 0}.cta h2{margin-top:0}.related{background:#eee7db;padding:20px;margin:34px 0;border-radius:8px}.related h2{margin-top:0;font-size:1.3rem}
.disclosure,.hero .disclosure,.cta .disclosure{font:400 12px/1.35 Arial,sans-serif!important;color:#5c554c!important;margin:7px 0 0!important}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid #ded5c6;border-radius:9px;padding:22px}.card h2{margin-top:0;font-size:1.35rem}
footer{background:#18231d;color:#eee;padding:35px 0;font:13px Arial,sans-serif}footer a{color:#fff}
@media(max-width:800px){.grid{grid-template-columns:1fr}.headrow{align-items:flex-start}.headercta{font-size:12px;padding:9px 10px}.hero{padding:46px 0 30px}.nav{gap:12px}}