@font-face{font-family:"Figtree Fallback";src:local("Arial"),local("ArialMT"),local("Liberation Sans");size-adjust:99.47%;ascent-override:95.5%;descent-override:25.13%;line-gap-override:0%}
@font-face{font-family:"Bodoni Fallback";src:local("Times New Roman"),local("TimesNewRomanPSMT"),local("Liberation Serif");size-adjust:114.94%;ascent-override:97.88%;descent-override:34.8%;line-gap-override:0%}
:root{--bg:#F4F2EE;--paper:#FFFFFF;--ink:#0E2436;--muted:#56677A;--line:#DCE1E4;--accent:#B5803A;--accent-d:#946628;--sea:#1F6F78;--foam:#E6F0F0;--dark:#0E2436;--radius:12px;--serif:"Bodoni Moda","Bodoni Fallback",Didot,"Times New Roman",serif;--sans:Figtree,"Figtree Fallback",system-ui,-apple-system,"Segoe UI",sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.7 var(--sans)}
img,svg{max-width:100%}a{color:var(--sea)}a:hover{color:var(--ink)}
.wrap{max-width:1180px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:9}
h1,h2,h3{font-family:var(--serif);line-height:1.12;color:var(--ink);letter-spacing:-.005em;text-wrap:balance}
h1{font-size:clamp(2rem,4.4vw,3.2rem);margin:.2em 0 .3em;font-weight:600}
h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:2em 0 .5em;font-weight:600}
h3{font-size:1.25rem;margin:1.5em 0 .4em;font-weight:600}
.site-header{background:var(--dark);color:#F2EEE6;position:sticky;top:0;z-index:5}
.header-inner{display:flex;align-items:center;gap:22px;height:66px}
.brand{display:flex;align-items:center;gap:10px;color:#F2EEE6;text-decoration:none;font-family:var(--serif);font-size:1.3rem;font-weight:600;letter-spacing:.01em}
.brand em{font-style:italic;font-weight:500;margin-left:6px;color:#E9C987}
.logo-mark{width:34px;height:34px}
.main-nav{display:flex;gap:18px;margin-left:auto}.main-nav a{color:#C9D3DB;text-decoration:none;font-size:.92rem}.main-nav a:hover{color:#fff}
.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;padding:13px 24px;border-radius:6px;font-weight:600;font-size:1rem;letter-spacing:.01em;transition:background .15s}
.btn:hover{background:var(--accent-d)}.btn:focus-visible,a:focus-visible{outline:2px solid #E9C987;outline-offset:2px}
.btn-sm{padding:8px 16px;font-size:.88rem}.btn-block{display:block;text-align:center}
.btn-ghost{background:transparent;border:1.5px solid #fff;margin-left:10px}.btn-ghost:hover{background:rgba(255,255,255,.12)}
.mnav{display:none}
@media(max-width:1020px){.main-nav,.header-inner>.btn-sm{display:none}.mnav{display:block;margin-left:auto}
.mnav summary{list-style:none;cursor:pointer;border:1px solid #3D5A73;border-radius:8px;padding:6px 12px;font-size:.9rem}
.mnav summary::-webkit-details-marker{display:none}
.mnav nav{position:absolute;right:12px;top:60px;background:var(--dark);border-radius:12px;padding:10px;display:flex;flex-direction:column;min-width:220px;box-shadow:0 10px 30px rgba(0,0,0,.3)}
.mnav nav a{color:#F2EEE6;text-decoration:none;padding:10px 12px}}
.hero{position:relative;color:#fff;background:var(--dark);overflow:hidden}
.hero-art{position:absolute;inset:0;width:100%;height:100%}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,36,54,.75),rgba(14,36,54,.2) 70%)}
.hero-inner{position:relative;z-index:1;padding-top:110px;padding-bottom:130px;max-width:860px;margin-left:max(0px,calc((100vw - 1180px)/2))}
.hero h1{color:#fff;font-size:clamp(2.3rem,5.2vw,4rem)}
.hero .lede{font-size:1.15rem;color:#E4ECF1;max-width:640px}.kicker{text-transform:uppercase;letter-spacing:.16em;font-size:.76rem;font-weight:600;color:#E9C987}
.hero-ctas{margin-top:26px;display:flex;flex-wrap:wrap;gap:10px}.hero-ctas .btn-ghost{margin-left:0}
.hero-band{height:150px;overflow:hidden;background:var(--dark)}.hero-band.small{height:110px}.band{width:100%;height:100%;display:block}
.crumbs{font-size:.85rem;color:var(--muted);margin:22px 0 4px}.crumbs a{color:var(--muted)}
.article-head{max-width:840px}.byline{color:var(--muted);font-size:.9rem;margin:0}.byline a{color:var(--muted)}
.lede{font-size:1.15rem;color:var(--muted)}
.answer{background:var(--paper);border-top:3px solid var(--sea);border-radius:var(--radius);padding:18px 24px;margin:26px 0;max-width:840px;box-shadow:0 1px 2px rgba(14,36,54,.06)}
.answer p{margin:0;font-size:1.08rem}.answer .answer-label{font-size:.74rem;text-transform:uppercase;letter-spacing:.16em;color:var(--sea);font-weight:700;margin-bottom:6px}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start}
@media(max-width:1020px){.article-grid{grid-template-columns:1fr}.side{order:-1}.side-cta{display:none}}
.prose{max-width:760px;min-width:0}.prose ul,.prose ol{padding-left:1.3em}.prose li{margin:.3em 0}
.side{position:sticky;top:90px}
.toc{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;font-size:.9rem}
.toc h2{font-size:1.1rem;margin:0 0 8px}.toc ol{margin:0;padding-left:1.1em}.toc li{margin:5px 0}.toc a{color:var(--ink);text-decoration:none}.toc a:hover{color:var(--sea)}
@media(max-width:1020px){.side{position:static}.toc{margin-top:10px}}
.side-cta{margin-top:18px;background:var(--dark);color:#DCE4EA;border-radius:var(--radius);padding:20px;font-size:.92rem}
.side-cta-title{font-family:var(--serif);font-size:1.3rem;color:#fff;margin:0 0 6px;font-weight:600}
.facts{background:var(--foam);border-radius:var(--radius);padding:6px 24px 14px;margin:0 0 10px}.facts h2{font-size:1.2rem;margin:14px 0 6px}
.facts ul{margin:0;padding-left:1.1em}.facts li{margin:4px 0}
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:10px;background:var(--paper)}
table{border-collapse:collapse;width:100%;font-size:.92rem;line-height:1.5;font-variant-numeric:tabular-nums}
th,td{padding:11px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
th{background:#EAF0F2;font-weight:600;white-space:nowrap}tr:last-child td{border-bottom:0}
.cta{background:linear-gradient(135deg,#0E2436,#173D52);color:#DCE4EA;border-radius:14px;padding:28px 30px;margin:38px 0}
.cta p{color:#C9D6DF;margin:.4em 0}.cta-kicker{text-transform:uppercase;letter-spacing:.16em;font-size:.74rem;font-weight:700;color:#E9C987!important}
.cta-title{font-family:var(--serif);font-size:1.6rem;line-height:1.2;color:#fff!important;font-weight:600}
.cta .btn{margin-top:10px}.cta-note{font-size:.78rem;opacity:.8}.cta-note a,.cta-alt a{color:#E9C987}.cta-alt{font-size:.92rem;margin-top:12px!important}
.faq .qa{border-top:1px solid var(--line);padding:4px 0}.faq h3{font-size:1.15rem;margin:.9em 0 .3em}
.fees-note{font-size:.85rem;color:var(--muted);font-style:italic}
.related{margin:30px 0 60px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}
.card{display:flex;flex-direction:column;gap:6px;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(14,36,54,.08)}
.card-kicker{font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;color:var(--sea);font-weight:700}
.card-title{font-family:var(--serif);font-size:1.22rem;line-height:1.2;font-weight:600}.card-desc{font-size:.88rem;color:var(--muted);line-height:1.5}
.home-sec{margin:64px 0}.sec-lede{color:var(--muted);max-width:640px}
.qgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px}
.qcard{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:22px}.qcard h3{margin-top:0;font-size:1.2rem}.qcard p{font-size:.95rem}.qcard a{font-weight:600;font-size:.92rem}
.dgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:14px;margin:18px 0}
.dcard{display:flex;flex-direction:column;justify-content:flex-end;min-height:150px;padding:18px;border-radius:var(--radius);text-decoration:none;color:#fff;background:linear-gradient(165deg,#2C7C86,#174A5C 55%,#0E2436)}
.dcard:nth-child(n+8){background:linear-gradient(165deg,#3FA3A8,#1C6A7C 55%,#0E2E40)}
.dname{font-family:var(--serif);font-size:1.45rem;font-weight:600}.ddesc{font-size:.8rem;opacity:.92;line-height:1.4}
.steps{padding-left:1.2em;max-width:760px}.steps li{margin:12px 0}
.hub-group{margin:30px 0}
.estimator{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:24px;margin:24px 0}.estimator h2{margin-top:0}
#est{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px}
#est label{display:flex;flex-direction:column;font-size:.85rem;font-weight:600;color:var(--muted);gap:6px}
#est select{font:inherit;font-size:1rem;padding:10px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink)}
.est-out{margin-top:20px;border-top:1px solid var(--line);padding-top:14px}.est-label{margin:0;font-size:.85rem;color:var(--muted);font-weight:600}
.est-num{font-family:var(--serif);font-size:2.3rem;font-weight:700;margin:4px 0;color:var(--sea);font-variant-numeric:tabular-nums}.est-break{font-size:.9rem;margin:0 0 8px}.est-note{font-size:.82rem;color:var(--muted)}
.fine-inline{font-size:.85rem;color:var(--muted)}
.site-footer{background:var(--dark);color:#B8C5CF;margin-top:60px;padding:50px 0 30px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
.site-footer h2{color:#F2EEE6;font-size:1.1rem;margin:0 0 10px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:6px 0}
.site-footer a{color:#B8C5CF;text-decoration:none}.site-footer a:hover{color:#fff}.brand-foot{margin-bottom:8px}
.fine{border-top:1px solid #23415A;margin-top:30px;padding-top:18px;font-size:.8rem;color:#8EA1B0}
.narrow{max-width:860px}
.flight{position:relative;background:#0b1b28;color:#fff}
.flight-stage{position:relative;height:88vh;height:88svh;min-height:520px;overflow:hidden}
.flight-poster img,.flight-canvas{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.flight-canvas{opacity:0}
.flight-shade{position:absolute;inset:0;pointer-events:none;background:linear-gradient(90deg,rgba(8,22,34,.62) 0,rgba(8,22,34,.28) 45%,rgba(8,22,34,0) 70%),linear-gradient(0deg,rgba(8,22,34,.55),rgba(8,22,34,0) 45%)}
.flight-chaps{position:absolute;inset:0;display:flex;align-items:flex-end;padding-bottom:9vh}
.chap{max-width:640px;text-shadow:0 1px 18px rgba(0,0,0,.35)}
.chap h1{color:#fff;font-size:clamp(2.3rem,5.4vw,4.1rem);margin:.15em 0 .3em}
.chap .lede{font-size:1.12rem;color:#EEF2F2}
.chap-title{color:#fff;font-size:clamp(2rem,4.6vw,3.4rem);margin:.15em 0 .25em}.chap-title a{color:#fff;text-decoration:none}
.chap-text{font-size:1.12rem;color:#EEF2F2;margin:.2em 0 .6em}.chap-link{color:#E9C987;font-weight:600;text-decoration:none}.chap-link:hover{color:#fff}
.chap-note{font-size:.78rem;color:#D5DEE2;opacity:.85}.chap-note a{color:#D5DEE2}
.chap:not(.chap-1){display:none}
.flight-cap{position:absolute;right:14px;bottom:10px;margin:0;font-size:.7rem;letter-spacing:.06em;color:rgba(255,255,255,.72);background:rgba(8,22,34,.35);padding:2px 8px;border-radius:999px;z-index:2}
.flight-bar{display:none}
.fl-on .flight{height:500vh}
.fl-on .flight-stage{position:sticky;top:0;height:100vh;height:100svh;min-height:0}
.fl-on .flight-canvas.ready{opacity:1}
.fl-on .chap{position:absolute;left:20px;right:20px;bottom:9vh;opacity:0;visibility:hidden;transition:opacity .35s linear,visibility .35s;will-change:opacity}
.fl-on .chap:not(.chap-1){display:block}
.fl-on .chap.on{opacity:1;visibility:visible}
.fl-on .flight-chaps{margin-left:max(0px,calc((100vw - 1180px)/2));max-width:1180px;margin-right:0}
.fl-on .flight-bar{display:block;position:absolute;left:0;right:0;bottom:0;height:3px;background:rgba(255,255,255,.15);z-index:2}
.fl-on .flight-bar span{display:block;height:100%;width:100%;background:var(--accent);transform-origin:0 50%;transform:scaleX(0)}
@media(max-width:767px){.flight-chaps{padding-bottom:7vh}.fl-on .chap{left:16px;right:16px;bottom:7vh}.chap .lede{font-size:1rem}.chap-text{font-size:1rem}
.flight-shade{background:linear-gradient(0deg,rgba(8,22,34,.78) 0,rgba(8,22,34,.35) 55%,rgba(8,22,34,.1) 100%)}.flight-cap{top:76px;bottom:auto;right:10px}}
.flight .kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:600;color:#E9C987}
.flight .hero-ctas{margin-top:26px;display:flex;flex-wrap:wrap;gap:10px}
@media(max-width:600px){body{font-size:16px}.hero-inner{padding-top:70px;padding-bottom:90px}.wrap{padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}.cta{padding:22px}.btn-ghost{margin-left:0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}