:root{--paper: #F6F1E8;--surface: #FCFAF4;--well: #ECE5D6;--paper-deep: #E7DECB;--ink: #1C2B46;--ink-soft: #4A5670;--ink-faint: #8089A0;--hairline: #E0D8C7;--hairline-soft: #EBE4D6;--accent: #A9762F;--accent-deep: #8A5E20;--accent-press: #6F4A16;--accent-wash: #F1E7D3;--accent-line: #E0CDA6;--owed: #2E6B4E;--owed-deep: #245539;--owed-wash: #E3EEE6;--owed-line: #BFD8C8;--fee: #A35338;--fee-deep: #8A4129;--fee-wash: #F3E4DC;--fee-line: #E4C6B7;--display: "Source Serif 4", Georgia, "Times New Roman", serif;--body: "Instrument Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--mono: "DM Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;--step--1: .82rem;--step-0: .94rem;--step-1: 1.125rem;--step-2: 1.34rem;--step-3: clamp(1.5rem, 2.4vw, 1.95rem);--step-4: clamp(1.9rem, 3.4vw, 2.65rem);--step-5: clamp(2.2rem, 5vw, 3.35rem);--maxw: 71rem;--maxw-prose: 42rem;--radius: 9px;--radius-lg: 16px;--radius-pill: 999px;--shadow-soft: 0 24px 60px -30px rgba(28,43,70,.3);--ease-out: cubic-bezier(.16,1,.3,1)}*{box-sizing:border-box}[hidden]{display:none!important}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}body{margin:0;font-family:var(--body);font-size:var(--step-1);line-height:1.68;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}h1,h2,h4{font-family:var(--display);font-weight:600;line-height:1.13;color:var(--ink);margin:0 0 .5em;letter-spacing:-.01em}h1{font-size:var(--step-5);line-height:1.06}h2{font-size:var(--step-4)}h3{font-family:var(--body);font-weight:600;font-size:var(--step-2);line-height:1.3;letter-spacing:0;margin:0 0 .5em;color:var(--ink)}p{margin:0 0 1.1em}a{color:var(--accent-deep);text-decoration-thickness:1px;text-underline-offset:3px;text-decoration-color:var(--accent-line);transition:color .2s var(--ease-out),text-decoration-color .2s var(--ease-out)}a:hover{color:var(--accent-press);text-decoration-color:currentColor}img{max-width:100%;height:auto;display:block}strong{font-weight:600;color:var(--ink)}:focus-visible{outline:2.5px solid var(--accent-deep);outline-offset:3px;border-radius:4px}::selection{background:var(--accent-wash)}.mono{font-family:var(--mono);font-feature-settings:"tnum" 1}.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:1.4rem}.prose{max-width:var(--maxw-prose)}.eyebrow{font-family:var(--mono);font-size:.74rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-soft)}.muted{color:var(--ink-soft)}.center{text-align:center}.lede{font-size:var(--step-2);line-height:1.5;color:var(--ink-soft)}.btn{display:inline-flex;align-items:center;gap:.55rem;font-family:var(--body);font-weight:600;font-size:var(--step-0);padding:.8rem 1.4rem;border-radius:var(--radius);border:1px solid transparent;cursor:pointer;text-decoration:none;line-height:1;transition:background .25s var(--ease-out),color .25s var(--ease-out),border-color .25s var(--ease-out),transform .12s var(--ease-out)}.btn-primary{background:var(--ink);color:#fcfaf4}.btn-primary:hover{background:#243860;color:#fcfaf4;text-decoration:none}.btn-primary:active{transform:translateY(1px)}.btn-accent{background:var(--accent);color:#fcfaf4}.btn-accent:hover{background:var(--accent-deep);color:#fcfaf4;text-decoration:none}.btn-ghost{background:transparent;color:var(--ink);border-color:var(--hairline)}.btn-ghost:hover{background:var(--surface);border-color:var(--accent);color:var(--accent-press);text-decoration:none}.btn-lg{padding:.95rem 1.7rem;font-size:var(--step-1)}.recordbar{background:var(--well);border-bottom:1px solid var(--hairline)}.recordbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-block:.35rem}.recordbar span{font-family:var(--mono);font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft)}.recordbar .ind{color:var(--accent-deep)}.recordbar .upd{color:var(--ink-faint)}@media(max-width:640px){.recordbar .upd{display:none}}.site-head{position:sticky;top:0;z-index:50;background:var(--paper);transition:box-shadow .3s var(--ease-out),border-color .3s var(--ease-out);border-bottom:1px solid transparent}.site-head.scrolled{border-bottom-color:var(--hairline);box-shadow:0 10px 30px -24px #1c2b4659}.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;padding-block:1rem}.wordmark{display:inline-flex;align-items:center;gap:.6rem;font-family:var(--display);font-weight:600;font-size:1.3rem;color:var(--ink);text-decoration:none;letter-spacing:-.015em;line-height:1}.wordmark:hover{color:var(--ink);text-decoration:none}.wordmark .mark{color:var(--accent-deep);flex:none}.mainnav{display:flex;gap:1.7rem;align-items:center}.mainnav a{font-family:var(--body);font-size:.98rem;font-weight:500;color:var(--ink-soft);text-decoration:none;padding:.2rem 0;position:relative;white-space:nowrap}.mainnav a:after{content:"";position:absolute;left:0;right:100%;bottom:-3px;height:2px;background:var(--accent);transition:right .3s var(--ease-out)}.mainnav a:hover{color:var(--ink)}.mainnav a:hover:after,.mainnav a[aria-current=page]:after{right:0}.mainnav a[aria-current=page]{color:var(--ink)}.head-cta{margin-left:.3rem}.nav-toggle{display:none;background:none;border:1px solid var(--hairline);border-radius:var(--radius);padding:.5rem .6rem;cursor:pointer;color:var(--ink)}.hero{padding-block:clamp(2.6rem,6vw,4.8rem) clamp(1.4rem,3vw,2.4rem)}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(1.8rem,5vw,4rem);align-items:center}.hero .eyebrow{display:block;margin-bottom:1rem}.hero h1{margin-bottom:.35em;max-width:16ch}.hero h1 em{font-style:italic;color:var(--accent-deep)}.hero .lede{max-width:40ch;margin-bottom:1.4rem}.hero-cta{display:flex;flex-wrap:wrap;gap:.8rem;align-items:center}.hero .moatline{font-family:var(--mono);font-size:.82rem;color:var(--ink-soft);border-top:1px solid var(--hairline);padding-top:1rem;margin-top:1.5rem;max-width:44ch}.hero .moatline b{color:var(--owed-deep)}.hero-figure{position:relative}.hero-figure img{width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:var(--radius-lg)}.hero-figure figcaption{font-size:.74rem;color:var(--ink-faint);margin-top:.5rem}section.band{padding-block:clamp(2.8rem,6vw,4.6rem)}section.band.alt{background:var(--well)}section.band.surface{background:var(--surface)}.sec-head{max-width:47rem;margin-bottom:2rem}.sec-head .eyebrow{display:block;margin-bottom:.6rem}.sec-head h2{margin-bottom:.3em}.sec-head p{color:var(--ink-soft);margin-bottom:0}.answer{background:var(--owed-wash);border:1px solid var(--owed-line);border-radius:var(--radius);padding:1.15rem 1.4rem;margin:0 0 1.8rem;font-size:1.16rem;line-height:1.55;color:var(--ink);max-width:var(--maxw-prose)}.answer .eyebrow{color:var(--owed-deep);display:block;margin-bottom:.4rem}.pillars{display:flex;flex-direction:column;border-top:1px solid var(--hairline)}.pillar{display:grid;grid-template-columns:1fr auto;gap:.6rem 1.6rem;align-items:baseline;padding:1.5rem .3rem;border-bottom:1px solid var(--hairline);text-decoration:none;color:var(--ink);transition:padding-left .3s var(--ease-out)}.pillar:hover{padding-left:.7rem;text-decoration:none}.pillar .ptitle{font-family:var(--display);font-weight:600;font-size:var(--step-3);line-height:1.18;margin:0}.pillar:hover .ptitle{color:var(--accent-deep)}.pillar p{grid-column:1 / -1;margin:.2rem 0 0;color:var(--ink-soft);font-size:var(--step-0);max-width:60ch}.pillar .chev{color:var(--accent-deep);flex:none;align-self:center;transition:transform .3s var(--ease-out)}.pillar:hover .chev{transform:translate(4px)}.pillar.feature{background:var(--accent-wash);border:1px solid var(--accent-line);border-radius:var(--radius);border-bottom-color:var(--accent-line);padding:1.5rem 1.3rem;margin-bottom:.5rem}.pillar.feature:hover{padding-left:1.9rem}.pillar.feature .tag{font-family:var(--mono);font-size:.68rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-deep)}.insight{display:grid;grid-template-columns:auto 1fr;gap:1.1rem;background:var(--ink);color:#f2ecdd;border-radius:var(--radius-lg);padding:clamp(1.3rem,3vw,2rem);align-items:start}.insight .ic{color:var(--accent);flex:none;margin-top:.15rem}.insight h3{margin:0 0 .35em;color:#fcfaf4}.insight p{margin:0;color:#d9d2c2}.insight p b{color:#fff}.split{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.split .col{border-radius:var(--radius);padding:1.3rem 1.4rem;border:1px solid}.split .yours{background:var(--owed-wash);border-color:var(--owed-line)}.split .feec{background:var(--fee-wash);border-color:var(--fee-line)}.split .col .lab{font-family:var(--mono);font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;display:block;margin-bottom:.5rem}.split .yours .lab{color:var(--owed-deep)}.split .feec .lab{color:var(--fee-deep)}.split .col .big{font-family:var(--display);font-size:1.9rem;font-weight:600;line-height:1;margin-bottom:.3rem}.split .yours .big{color:var(--owed-deep)}.split .feec .big{color:var(--fee-deep)}.split .col p{margin:0;font-size:.92rem;color:var(--ink-soft)}@media(max-width:560px){.split{grid-template-columns:1fr}}.trust{display:flex;flex-wrap:wrap;gap:.7rem 2rem;padding-block:1.1rem;border-block:1px solid var(--hairline)}.trust span{display:inline-flex;align-items:center;gap:.5rem;font-size:.9rem;color:var(--ink-soft)}.trust svg{color:var(--accent-deep);flex:none}.faqblock h2{margin-bottom:.6em}.faq{border-top:1px solid var(--hairline);max-width:50rem}.faq details{border-bottom:1px solid var(--hairline)}.faq summary{cursor:pointer;font-family:var(--body);font-weight:600;font-size:1.08rem;padding:1.15rem 2rem 1.15rem 0;list-style:none;position:relative;color:var(--ink)}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"";position:absolute;right:.4rem;top:1.5rem;width:11px;height:11px;border-right:2px solid var(--accent-deep);border-bottom:2px solid var(--accent-deep);transform:rotate(45deg);transition:transform .3s var(--ease-out)}.faq details[open] summary:after{transform:rotate(-135deg);top:1.7rem}.faq details>div{padding:0 1rem 1.25rem 0;color:var(--ink-soft);max-width:var(--maxw-prose)}.faq details>div :last-child{margin-bottom:0}.article{max-width:var(--maxw-prose);margin-inline:auto;padding-block:2.4rem 3.4rem}.crumbs{font-size:.82rem;color:var(--ink-faint);margin-bottom:1.2rem}.crumbs a{color:var(--ink-soft);text-decoration:none}.crumbs a:hover{color:var(--accent-deep)}.article h1{margin-bottom:.3em}.byline{display:flex;flex-wrap:wrap;gap:.4rem 1.1rem;font-size:.85rem;color:var(--ink-faint);margin-bottom:1.6rem;align-items:center}.byline svg{color:var(--accent-deep)}.hero-img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:var(--radius-lg);margin-bottom:1.6rem}.article .prose h2{margin-top:1.8em}.article .prose h3{margin-top:1.4em}.article .prose ul,.article .prose ol{padding-left:1.3em;margin-bottom:1.1em}.article .prose li{margin-bottom:.45em}blockquote{margin:1.6em 0;padding-left:1.2rem;border-left:3px solid var(--accent-line);font-family:var(--display);font-style:italic;font-size:1.4rem;line-height:1.4;color:var(--ink)}.callout{background:var(--accent-wash);border:1px solid var(--accent-line);border-radius:var(--radius);padding:1.05rem 1.3rem;margin:1.6em 0;font-size:1rem}.callout.warn{background:var(--fee-wash);border-color:var(--fee-line)}.callout.warn strong{color:var(--fee-deep)}.callout.good{background:var(--owed-wash);border-color:var(--owed-line)}.callout.good strong{color:var(--owed-deep)}.callout p:last-child{margin-bottom:0}.statute{font-family:var(--mono);font-size:.86rem;background:var(--well);border:1px solid var(--hairline);border-radius:6px;padding:.12rem .45rem;color:var(--ink-soft);white-space:nowrap}sup.cite a{font-size:.7em;color:var(--accent-deep);text-decoration:none;font-weight:600}.disclaimer{font-size:.82rem;color:var(--ink-faint);border-top:1px solid var(--hairline);margin-top:2.4rem;padding-top:1.1rem}.related{margin-top:2.8rem}.related h2{font-size:var(--step-2);font-family:var(--body);font-weight:600}.relgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:.7rem}.relcard{display:flex;justify-content:space-between;align-items:center;gap:.8rem;border:1px solid var(--hairline);border-radius:var(--radius);padding:.95rem 1.15rem;text-decoration:none;color:var(--ink);font-weight:500;font-size:.98rem;transition:border-color .25s var(--ease-out),background .25s var(--ease-out)}.relcard:hover{border-color:var(--accent-line);background:var(--accent-wash);text-decoration:none}.relcard svg{color:var(--accent-deep);flex:none}.site-footer{background:var(--ink);color:#cbd2e0;margin-top:3.5rem;font-size:.92rem}.site-footer .wrap{padding-block:2.8rem;display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:2rem}.site-footer h4{font-family:var(--mono);font-weight:500;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:#8e97ac;margin-bottom:.9rem}.site-footer a{color:#cbd2e0;text-decoration:none;display:block;padding:.22rem 0}.site-footer a:hover{color:var(--accent)}.site-footer .brand{font-family:var(--display);font-weight:600;font-size:1.3rem;color:#fcfaf4;display:inline-flex;align-items:center;gap:.5rem;margin-bottom:.6rem}.site-footer .brand svg{color:var(--accent)}.site-footer .blurb{color:#aeb6c8;max-width:36ch;margin-bottom:0}.site-footer .fineprint{grid-column:1 / -1;border-top:1px solid #2C3A57;padding-top:1.3rem;color:#8e97ac;font-size:.82rem}.site-footer .fineprint a{display:inline;color:#aeb6c8}.site-footer .fineprint a:hover{color:var(--accent)}.reveal{opacity:0;transform:translateY(8px);transition:opacity .6s var(--ease-out),transform .6s var(--ease-out)}.reveal.in{opacity:1;transform:none}@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-figure{order:-1;max-width:26rem}.hero-figure img{aspect-ratio:16/10}.site-footer .wrap{grid-template-columns:1fr 1fr}}@media(max-width:720px){.mainnav{display:none}.nav-toggle{display:inline-flex}.site-head.open .mainnav{display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:flex-start;gap:0;background:var(--paper);border-bottom:1px solid var(--hairline);padding:.5rem 1.4rem 1.2rem}.site-head.open .mainnav a{width:100%;padding:.8rem 0;border-bottom:1px solid var(--hairline-soft)}.site-head.open .mainnav a:after{display:none}.head-cta{display:none}}@media(max-width:560px){.relgrid,.site-footer .wrap{grid-template-columns:1fr}}h1,h2,h3{overflow-wrap:break-word}
