:root{color-scheme:light only;--p:#8A3B1F;--p2:#2A2320;--bg:#F8F3EE;--acc:#D4A017;--txt:#1d1a17;--mut:#5f5852;--line:#e4dcd2;--white:#fff;--r:14px;--head:"Fraunces",Georgia,serif;--body:"Inter",system-ui,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:auto}body{margin:0;font-family:var(--body);color:var(--txt);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--head);line-height:1.15;margin:0 0 .5em;color:var(--p2);font-weight:800;letter-spacing:-.01em}h1{font-size:clamp(2rem,4.6vw,3.3rem)}h2{font-size:clamp(1.55rem,3vw,2.2rem)}h3{font-size:1.25rem;font-weight:600}
p{margin:0 0 1em}a{color:var(--p)}img{max-width:100%;height:auto;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px;top:0;background:var(--p2);color:#fff;padding:8px}.skip:focus{left:8px;z-index:99}
.btn{display:inline-block;background:var(--p);color:#fff;text-decoration:none;font-weight:700;padding:14px 26px;border-radius:999px;border:2px solid var(--p);transition:.2s;line-height:1.2;cursor:pointer;font-family:var(--body)}.btn:hover{background:var(--p2);border-color:var(--p2)}.btn-lg{font-size:1.1rem;padding:17px 34px}.btn-sm{padding:10px 18px;font-size:.95rem}.btn-ghost{background:transparent;color:var(--p);}.btn-ghost:hover{background:var(--p);color:#fff}.btn-light{background:#fff;color:var(--p);border-color:#fff}.btn-light:hover{background:var(--acc);border-color:var(--acc);color:var(--p2)}
.hdr{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}.hdr-in{display:flex;align-items:center;gap:18px;min-height:70px}
.logo{display:flex;align-items:center;gap:8px;text-decoration:none;font-family:var(--head);font-weight:800;font-size:1.25rem;color:var(--p2)}.logo-mark{background:var(--p);color:#fff;border-radius:8px;padding:4px 8px;font-size:.95rem;letter-spacing:.02em}
.nav{margin-left:auto}.nav>ul{list-style:none;margin:0;padding:0;display:flex;gap:4px}.nav li{position:relative}.nav a,.nav button{display:block;padding:10px 10px;white-space:nowrap;font-size:.95rem;color:var(--txt);text-decoration:none;font-weight:500;background:none;border:0;font:inherit;cursor:pointer;border-radius:8px}.nav a:hover,.nav button:hover,.nav a[aria-current]{background:var(--bg);color:var(--p)}
.dd>ul{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px;min-width:250px;list-style:none;margin:0;box-shadow:0 14px 40px rgba(0,0,0,.12)}.dd.open>ul{display:block}.dd>ul a{white-space:nowrap;font-weight:400;padding:9px 12px}.car{font-size:.75em;opacity:.6}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;margin-left:auto}.burger span{display:block;height:3px;background:var(--p2);margin:6px 8px;border-radius:2px}
.hero{position:relative;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--p2) 0%,var(--p) 100%)}.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 85% 20%,rgba(255,255,255,.14),transparent 45%),radial-gradient(circle at 10% 90%,rgba(0,0,0,.22),transparent 50%)}.hero::after{content:"";position:absolute;right:-120px;bottom:-160px;width:520px;height:520px;border-radius:50%;border:70px solid rgba(255,255,255,.07)}
.hero-in{position:relative;z-index:1;padding:54px 20px 60px}.hero-home .hero-in{padding:70px 20px 80px;max-width:860px;margin:0 auto;text-align:center}.hero h1{color:#fff}.hero-sub{font-size:1.2rem;max-width:720px;opacity:.95;margin:0 0 1.4em}.hero-home .hero-sub{margin:0 auto 1.4em}.hero-sub a{color:var(--acc)}.hero-cta{display:flex;gap:12px;flex-wrap:wrap}.hero-home .hero-cta{justify-content:center}.hero .btn-ghost{color:#fff;border-color:rgba(255,255,255,.7)}.hero .btn-ghost:hover{background:#fff;color:var(--p)}
.amt{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin:0 0 20px}.hero-home .amt{justify-content:center}.amt span{font-weight:600;opacity:.9;margin-right:4px}.amt button{background:rgba(255,255,255,.12);color:#fff;border:2px solid rgba(255,255,255,.45);border-radius:999px;padding:9px 18px;font:inherit;font-weight:700;cursor:pointer}.amt button.on,.amt button:hover{background:var(--acc);color:var(--p2);border-color:var(--acc)}
.trust{list-style:none;padding:0;margin:30px 0 0;display:flex;gap:10px 26px;flex-wrap:wrap;justify-content:center;font-size:.95rem}.trust li::before{content:"✓ ";color:var(--acc);font-weight:700}.trust-form{margin:0 0 20px;color:var(--mut)}.trust-form li::before{color:var(--p)}
.crumbs ol{list-style:none;padding:0;margin:0 0 18px;display:flex;flex-wrap:wrap;gap:6px;font-size:.85rem;opacity:.85}.hero-home .crumbs{display:none}.crumbs li+li::before{content:"›";margin-right:6px}.crumbs a{color:#fff}
.apply{background:#fff;padding:56px 0;border-bottom:1px solid var(--line);scroll-margin-top:80px}.apply h2{text-align:center}.apply .lead{text-align:center;max-width:760px;margin:0 auto 18px;color:var(--mut)}.form-box{isolation:isolate;max-width:860px;margin:0 auto;background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:20px;min-height:420px}.consent{max-width:860px;margin:18px auto 8px;font-size:.8rem}.apply .note{max-width:860px;margin-left:auto;margin-right:auto}
.sec{padding:56px 0}.sec-tight{padding:34px 0 0}.sec.alt{background:#fff}.sec .wrap>h2{max-width:820px}.lead{font-size:1.15rem;color:var(--mut)}.note{font-size:.88rem;color:var(--mut)}.snap{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;margin:26px 0}.snap div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;text-align:center}.snap b{display:block;font-family:var(--head);font-size:1.6rem;color:var(--p)}.snap span{font-size:.9rem;color:var(--mut)}
.byline{display:flex;gap:12px;align-items:center;font-size:.9rem;color:var(--mut);max-width:820px;margin-bottom:22px}.av{flex:none;width:40px;height:40px;border-radius:50%;background:var(--p);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.85rem}
.takeaways{background:#fff;border:1px solid var(--line);border-left:5px solid var(--p);border-radius:var(--r);padding:20px 24px;max-width:820px}.takeaways h2{font-size:1.1rem;font-family:var(--body);text-transform:uppercase;letter-spacing:.06em;color:var(--p);margin-bottom:10px}.takeaways ul{margin:0;padding-left:20px}.takeaways li{margin-bottom:6px}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}.card h3{margin-top:0}.card.num{position:relative;padding-top:30px}.card.num::before{content:attr(data-n);position:absolute;top:-16px;left:20px;background:var(--acc);color:var(--p2);font-weight:800;border-radius:999px;width:34px;height:34px;display:grid;place-items:center;font-family:var(--head)}
.author{display:flex;gap:20px;align-items:flex-start}.author .av{width:64px;height:64px;font-size:1.3rem}.author h3{margin-bottom:2px}.author .role{color:var(--p);font-weight:600;font-size:.9rem;margin-bottom:8px}
.tbl{overflow-x:auto;margin:18px 0;background:#fff;border:1px solid var(--line);border-radius:var(--r)}table{border-collapse:collapse;width:100%;font-size:.95rem}caption{text-align:left;padding:12px 14px 4px;font-size:.85rem;color:var(--mut);caption-side:top}th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line)}th{background:var(--bg);font-weight:700;color:var(--p2)}tr:last-child td{border:0}td:first-child{font-weight:600}
.two{display:grid;gap:28px;grid-template-columns:1fr 1fr}.pros,.cons{background:#fff;border-radius:var(--r);padding:22px;border:1px solid var(--line)}.pros h3{color:#2f6b3a}.cons h3{color:#9a3b2a}ul.ck{list-style:none;padding:0}ul.ck li{padding-left:28px;position:relative;margin-bottom:8px}ul.ck li::before{content:"✓";position:absolute;left:0;color:var(--p);font-weight:800}ul.x li::before{content:"✕";color:#9a3b2a}
.faqs{max-width:860px}.faq{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 18px}.faq summary{cursor:pointer;font-weight:600;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";color:var(--p);font-size:1.4rem;line-height:1}.faq[open] summary::after{content:"–"}.faq-a{padding:0 0 16px;color:var(--mut)}
.callout{background:#fff;border-left:5px solid var(--acc);border-radius:10px;padding:18px 22px;margin:22px 0}.warn{border-left-color:#9a3b2a}
.sources{padding-top:0}.sources ul{padding-left:20px;font-size:.95rem}.sources li{margin-bottom:6px}
.cta-band{background:var(--p);color:#fff;text-align:center;padding:56px 0}.cta-band h2{color:#fff}.cta-band p{opacity:.9;margin-bottom:22px}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 16px;transform:translateY(110%);transition:transform .25s;box-shadow:0 -8px 30px rgba(0,0,0,.12);display:none}.sticky-cta.show{transform:none}.sticky-cta .btn{display:block;text-align:center;width:100%}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:70;background:var(--p2);color:#fff;border-radius:12px;padding:14px 18px;display:none;gap:14px;align-items:center;max-width:720px;margin:0 auto;font-size:.9rem;box-shadow:0 10px 40px rgba(0,0,0,.3)}.cookie.show{display:flex}.cookie p{margin:0;flex:1}.cookie a{color:var(--acc)}
.ftr{background:#2A2320;color:#d8d0c6;padding:50px 0 30px;font-size:.93rem}.ftr-grid{display:grid;gap:30px;grid-template-columns:1.5fr 1fr 1fr 1fr}.ftr h3{color:#fff;font-size:1rem;font-family:var(--body);text-transform:uppercase;letter-spacing:.06em}.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin-bottom:8px}.ftr a{color:#d8d0c6;text-decoration:none}.ftr a:hover{color:var(--acc)}.ftr .logo{color:#fff;margin-bottom:12px}.ftr-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:22px;font-size:.82rem;line-height:1.6;color:#b9b0a5}.ftr-legal a{text-decoration:underline}
.prose>p,.prose>ul,.prose>ol,.prose>h2,.prose>h3,.prose>.callout,.prose>.faqs{max-width:820px}.prose h2{margin-top:1.6em}.prose h3{margin-top:1.3em}
.elig{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;max-width:820px}.elig label{display:flex;gap:12px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--line);cursor:pointer}.elig input{width:22px;height:22px;accent-color:var(--p);flex:none;margin-top:2px}.elig-out{display:flex;gap:16px;align-items:center;flex-wrap:wrap;padding-top:16px}.elig-out p{margin:0;flex:1;color:var(--mut)}.elig.ok .elig-out p{color:#2f6b3a;font-weight:600}.elig.ok .btn{background:#2f6b3a;border-color:#2f6b3a}
.calc{display:grid;grid-template-columns:1.2fr 1fr;gap:24px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}.calc-in label{display:flex;justify-content:space-between;font-weight:600;margin:12px 0 4px}.calc-in output{color:var(--p)}.calc-in input[type=range]{width:100%;accent-color:var(--p)}.calc-out{background:var(--bg);border-radius:12px;padding:20px;display:flex;flex-direction:column;gap:12px}.calc-out div{display:flex;justify-content:space-between;align-items:baseline;border-bottom:1px solid var(--line);padding-bottom:8px}.calc-out span{color:var(--mut);font-size:.92rem}.calc-out b{font-family:var(--head);font-size:1.5rem;color:var(--p2)}.calc-out .btn{text-align:center;margin-top:6px}
.gloss{max-width:820px;display:grid;grid-template-columns:160px 1fr;gap:8px 20px}.gloss dt{font-weight:700;color:var(--p2)}.gloss dd{margin:0;color:var(--mut)}
.states{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:6px 14px;font-size:.93rem}.states li{padding:4px 0}.states a{font-weight:600}
@media(max-width:700px){.calc{grid-template-columns:1fr}.gloss{grid-template-columns:1fr}.gloss dd{margin-bottom:10px}}
.state-tag{display:inline-block;background:var(--acc);color:var(--p2);font-weight:700;padding:4px 12px;border-radius:999px;font-size:.85rem;margin-bottom:12px}
@media(max-width:960px){.nav{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 20px}.nav.open{display:block}.nav>ul{flex-direction:column;gap:0}.dd>ul{position:static;box-shadow:none;border:0;padding-left:14px}.burger{display:block}.hdr-cta{display:none}.ftr-grid{grid-template-columns:1fr 1fr}.two{grid-template-columns:1fr}.sticky-cta{display:block}body{padding-bottom:0}.cookie{flex-wrap:wrap;bottom:76px}}
@media(max-width:560px){.ftr-grid{grid-template-columns:1fr}body{font-size:16px}.hero-in{padding:32px 20px 36px}.btn-lg{width:100%;text-align:center}.amt button{padding:8px 13px;font-size:.92rem}.hero-sub{font-size:1.02rem;line-height:1.55}.hero-home .trust li:nth-child(n+4){display:none}.hero-home .hero-cta .btn-ghost{display:none}.trust{margin-top:18px;gap:8px}.trust li{font-size:.84rem;padding:5px 11px}.hero h1{font-size:2rem}.snap{grid-template-columns:1fr 1fr;gap:10px}.snap div{padding:14px 10px}.snap b{font-size:1.3rem}.sec{padding:40px 0}.card{padding:20px}.uses .card>h3,.uses .card>p{padding:0 18px}.gloss{gap:4px 0}.states{grid-template-columns:1fr 1fr}.cutoff{font-size:.82rem}.takeaways{padding:16px 18px}.byline{font-size:.84rem}.tbl-more{display:block;width:100%;padding:12px;background:var(--bg);border:0;border-top:1px solid var(--line);font:inherit;font-weight:600;color:var(--p);cursor:pointer}h2{font-size:1.5rem}}

/* ===== visual layer ===== */
:root{--p-deep:#5E2411;--gold-l:#F2C94C;--sh:0 1px 2px rgba(42,35,32,.06),0 12px 32px -12px rgba(42,35,32,.22);--sh-h:0 2px 4px rgba(42,35,32,.08),0 26px 48px -16px rgba(138,59,31,.35)}
.progress{position:fixed;top:0;left:0;right:0;height:3px;z-index:80;pointer-events:none}.progress span{display:block;height:100%;background:linear-gradient(90deg,var(--acc),var(--p));transform-origin:0 50%;transform:scaleX(0)}
.hdr{transition:box-shadow .3s,background .3s}.hdr.scrolled{background:rgba(255,255,255,.82);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);box-shadow:0 8px 30px -14px rgba(42,35,32,.25)}
.nav a:not([aria-current]),.nav button{position:relative}.nav>ul>li>a::after{content:"";position:absolute;left:12px;right:12px;bottom:6px;height:2px;background:var(--p);transform:scaleX(0);transform-origin:0 50%;transition:transform .25s}.nav>ul>li>a:hover::after{transform:scaleX(1)}
.btn{position:relative;overflow:hidden;box-shadow:0 10px 24px -12px rgba(138,59,31,.6);transition:transform .2s,box-shadow .25s,background .2s}.btn::after{content:"";position:absolute;top:0;left:-60%;width:40%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-20deg);transition:left .5s}.btn:hover::after{left:120%}.btn:hover{transform:translateY(-2px);box-shadow:0 18px 30px -12px rgba(138,59,31,.65)}.btn:active{transform:translateY(0)}.btn-ghost,.btn-light{box-shadow:none}
.hero{background:radial-gradient(120% 90% at 10% 0%,#3a2a24 0%,var(--p2) 45%,var(--p-deep) 100%)}.hero::before{background:none}.hero::after{display:none}
.blobs{position:absolute;inset:-10%;overflow:hidden;filter:blur(60px);opacity:.9;pointer-events:none}.blobs i{position:absolute;border-radius:50%;will-change:transform}.b1{width:52vw;height:52vw;max-width:720px;max-height:720px;right:-8%;top:-30%;background:radial-gradient(circle,rgba(212,160,23,.55),rgba(212,160,23,0) 65%);animation:drift1 18s ease-in-out infinite}.b2{width:46vw;height:46vw;max-width:640px;max-height:640px;left:-12%;bottom:-40%;background:radial-gradient(circle,rgba(181,83,42,.75),rgba(181,83,42,0) 65%);animation:drift2 22s ease-in-out infinite}.b3{width:30vw;height:30vw;max-width:420px;max-height:420px;left:40%;top:10%;background:radial-gradient(circle,rgba(255,220,160,.28),rgba(255,220,160,0) 65%);animation:drift3 16s ease-in-out infinite}
@keyframes drift1{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(-8%,12%) scale(1.12)}}@keyframes drift2{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(14%,-10%) scale(.92)}}@keyframes drift3{0%,100%{transform:translate(0,0)}50%{transform:translate(-18%,18%)}}
.grain{position:absolute;inset:0;pointer-events:none;opacity:.07;mix-blend-mode:overlay;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
.hero-in{perspective:1200px}.hero h1,.hero .hero-sub,.hero .amt,.hero .hero-cta,.hero .trust,.hero .crumbs{animation:rise .9s cubic-bezier(.2,.7,.2,1) both}.hero .hero-sub{animation-delay:.12s}.hero .amt{animation-delay:.22s}.hero .hero-cta{animation-delay:.3s}.hero .trust{animation-delay:.42s}
@keyframes rise{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
.hero h1{text-wrap:balance;text-shadow:0 2px 30px rgba(0,0,0,.25)}.hero-home h1{font-size:clamp(2.3rem,5.4vw,4rem);background:linear-gradient(180deg,#fff 55%,#f1dcc9);-webkit-background-clip:text;background-clip:text;color:transparent}
.float-card{display:none}@media(min-width:1100px){.hero-home .hero-in{max-width:1120px;text-align:left;display:grid;grid-template-columns:1.25fr .75fr;gap:14px 40px;align-items:start}.hero-home .hero-in>*{grid-column:1}.hero-home .hero-sub,.hero-home .amt,.hero-home .hero-cta,.hero-home .trust{margin-left:0;justify-content:flex-start}.hero-home .trust{grid-column:1/-1;justify-content:flex-start}
.hero-home .hero-in>.float-card{display:block;grid-column:2;grid-row:1/5;justify-self:end;align-self:center;width:300px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.28);border-radius:22px;padding:24px;backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);box-shadow:0 30px 60px -20px rgba(0,0,0,.5),inset 0 1px 0 rgba(255,255,255,.3);transition:transform .25s ease-out;transform-style:preserve-3d;animation:rise 1s .35s cubic-bezier(.2,.7,.2,1) both,floaty 7s 1.4s ease-in-out infinite}}
@keyframes floaty{0%,100%{translate:0 0}50%{translate:0 -10px}}
.fc-top{display:flex;justify-content:space-between;font-size:.85rem;opacity:.85}.fc-top em{font-style:normal;background:rgba(72,170,95,.25);color:#b8f0c4;border:1px solid rgba(184,240,196,.4);border-radius:999px;padding:2px 10px;font-weight:600}.fc-amt{font-family:var(--head);font-size:3.4rem;font-weight:800;margin:10px 0 6px;color:var(--gold-l);letter-spacing:-.02em}.fc-row{display:flex;justify-content:space-between;font-size:.92rem;padding:8px 0;border-top:1px solid rgba(255,255,255,.16)}.fc-row b{font-weight:600}.fc-bar{height:6px;border-radius:999px;background:rgba(255,255,255,.15);margin-top:14px;overflow:hidden}.fc-bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--acc),var(--gold-l));animation:fill 1.6s 1s cubic-bezier(.2,.7,.2,1) forwards}@keyframes fill{to{width:72%}}
.amt button{backdrop-filter:blur(6px);transition:transform .15s,background .2s,color .2s}.amt button:hover{transform:translateY(-2px)}
.trust li{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:999px;padding:6px 14px;font-size:.9rem}.trust-form li{background:var(--bg);border-color:var(--line)}
.apply{position:relative;background:linear-gradient(180deg,#fff,var(--bg))}.hero-home+.apply{margin-top:-28px;border-radius:34px 34px 0 0;z-index:2;box-shadow:0 -20px 50px -30px rgba(0,0,0,.5)}.form-box{background:#fff;box-shadow:var(--sh);position:relative}.form-box::before{content:"";position:absolute;inset:-2px;border-radius:16px;padding:2px;background:linear-gradient(135deg,var(--acc),transparent 40%,transparent 60%,var(--p));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none;opacity:.7}
.snap div{box-shadow:var(--sh);transition:transform .25s,box-shadow .25s;position:relative;overflow:hidden}.snap div::after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:linear-gradient(90deg,var(--p),var(--acc))}.snap div:hover{transform:translateY(-4px);box-shadow:var(--sh-h)}
.card{box-shadow:var(--sh);transition:transform .25s,box-shadow .25s,border-color .25s}.card:hover{transform:translateY(-5px);box-shadow:var(--sh-h);border-color:rgba(138,59,31,.35)}.card.num::before{box-shadow:0 6px 14px -6px rgba(212,160,23,.9)}
.uses .card{border-top:4px solid var(--acc)}.uses .card:nth-child(2n){border-top-color:var(--p)}
.tbl{box-shadow:var(--sh)}tbody tr{transition:background .15s}tbody tr:nth-child(even){background:#faf6f1}tbody tr:hover{background:#f3e7dc}
.takeaways{box-shadow:var(--sh);background:linear-gradient(135deg,#fff,#fdf8f2)}.callout{box-shadow:var(--sh)}
.faq{transition:border-color .2s,box-shadow .2s}.faq[open]{border-color:rgba(138,59,31,.4);box-shadow:var(--sh)}.faq-a{overflow:hidden;transition:height .3s ease}.faq summary::after{transition:transform .3s}.faq[open] summary::after{content:"+";transform:rotate(45deg)}
.cta-band{position:relative;overflow:hidden;background:radial-gradient(90% 120% at 50% 0%,var(--p),var(--p-deep))}.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 80%,rgba(212,160,23,.35),transparent 45%),radial-gradient(circle at 80% 20%,rgba(255,255,255,.12),transparent 40%)}.cta-band .wrap{position:relative}
.sticky-cta .btn{animation:pulse 2.4s ease-in-out infinite}@keyframes pulse{0%,100%{box-shadow:0 0 0 0 rgba(138,59,31,.45)}50%{box-shadow:0 0 0 10px rgba(138,59,31,0)}}
.calc-out b{transition:color .2s}.elig.ok{box-shadow:0 0 0 3px rgba(47,107,58,.2),var(--sh)}
.rv{opacity:0;transform:translateY(18px);transition:opacity .6s cubic-bezier(.2,.7,.2,1),transform .6s cubic-bezier(.2,.7,.2,1)}.rv.in{opacity:1;transform:none}.grid.rv.in>.card{animation:rise .6s both}.grid.rv.in>.card:nth-child(2){animation-delay:.08s}.grid.rv.in>.card:nth-child(3){animation-delay:.16s}.grid.rv.in>.card:nth-child(4){animation-delay:.24s}.grid.rv.in>.card:nth-child(5){animation-delay:.32s}.grid.rv.in>.card:nth-child(6){animation-delay:.4s}
.ftr{background:radial-gradient(120% 100% at 100% 100%,#3a2a24,#2A2320 60%)}.cta-band{--p2:#2A2320}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}.blobs{display:none}}

/* ===== images ===== */
.hero-img .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:70% 50%;z-index:0}.hero-img::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(42,35,32,.92) 0%,rgba(42,35,32,.78) 38%,rgba(42,35,32,.35) 70%,rgba(42,35,32,.25) 100%)}.hero-img .blobs{opacity:.35;z-index:1}.hero-img .grain{z-index:1}.hero-img .hero-in{z-index:2}
.hero-home.hero-img .hero-bg{object-position:30% 25%;transform:scale(1.02)}@media(min-width:1100px){.hero-home.hero-img .hero-bg{left:auto;right:0;width:62%;object-position:40% 20%;mask-image:linear-gradient(90deg,transparent 0%,#000 35%);-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 35%)}.hero-home.hero-img::before{background:linear-gradient(90deg,rgba(42,35,32,.0) 0%,rgba(42,35,32,0) 100%)}.hero-home.hero-img{background:radial-gradient(120% 90% at 10% 0%,#3a2a24 0%,var(--p2) 45%,var(--p-deep) 100%)}}.hero-home.hero-img::before{background:linear-gradient(90deg,rgba(42,35,32,.93) 0%,rgba(42,35,32,.85) 40%,rgba(42,35,32,.5) 58%,rgba(42,35,32,.12) 78%,rgba(42,35,32,.05) 100%)}.hero-home.hero-img .blobs{opacity:.15}
.hero-home.hero-img .float-card{background:rgba(42,35,32,.7);border-color:rgba(255,255,255,.35);backdrop-filter:blur(10px)}@media(min-width:1100px){.hero-home .hero-in{grid-template-columns:1.1fr .9fr}.hero-home .hero-in>.float-card{justify-self:start;margin-left:40px}}
@media(max-width:1099px){.hero-img::before,.hero-home.hero-img::before{background:linear-gradient(180deg,rgba(42,35,32,.9) 0%,rgba(42,35,32,.82) 60%,rgba(42,35,32,.7) 100%)}.hero-img .hero-bg{object-position:65% 50%}}
.step-img{margin:6px 0 16px;aspect-ratio:4/3;object-fit:cover;width:100%;border-radius:10px;display:block}.uses .card{padding:0;overflow:hidden}.uses .card>img{aspect-ratio:4/3;object-fit:cover;width:100%}.uses .card>h3,.uses .card>p{padding:0 22px}.uses .card>h3{margin-top:16px}.uses .card>p{padding-bottom:20px}.uses .ico{display:none}
/* ===== v9 responsive ===== */
.rb-x{background:none;border:0;color:#fff;font-size:1.5rem;line-height:1;cursor:pointer;opacity:.8;padding:4px 8px}.rb-x:hover{opacity:1}
.statcounter{position:absolute;width:1px;height:1px;overflow:hidden}
.totop{position:fixed;right:16px;bottom:88px;width:44px;height:44px;border-radius:50%;border:0;background:var(--p2);color:#fff;font-size:1.2rem;cursor:pointer;box-shadow:0 8px 24px rgba(0,0,0,.3);z-index:55}.totop[hidden]{display:none}@media(min-width:961px){.totop{bottom:24px}}
@media(max-width:700px){.tbl:not(.tbl-cost) table,.tbl:not(.tbl-cost) tbody,.tbl:not(.tbl-cost) tr,.tbl:not(.tbl-cost) td{display:block;width:100%}.tbl:not(.tbl-cost) thead{display:none}.tbl:not(.tbl-cost) tr{border-bottom:6px solid var(--bg);padding:6px 0}.tbl:not(.tbl-cost) td{border:0;padding:6px 14px;font-weight:400}.tbl:not(.tbl-cost) td::before{content:attr(data-l);display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.05em;color:var(--mut);margin-bottom:1px}.tbl:not(.tbl-cost) td:first-child{background:var(--bg);font-weight:700;padding:10px 14px}.tbl:not(.tbl-cost) td:first-child::before{display:none}.tbl:not(.tbl-cost) caption{padding:10px 14px}
.tbl-cost td,.tbl-cost th{padding:10px 5px;font-size:.8rem;white-space:nowrap}.tbl-cost th{font-size:.68rem;letter-spacing:.02em}.tbl-cost td:nth-child(3){white-space:normal;max-width:60px}.tbl-cost td:first-child,.tbl-cost th:first-child,.tbl-cost td:nth-child(5),.tbl-cost th:nth-child(5){display:none}.tbl-cost caption{white-space:normal}}
@media(min-width:1100px){.prose>p,.prose>ul,.prose>ol,.prose>h2,.prose>h3,.prose>.callout,.prose>.faqs{max-width:760px}}
.hero .btn-ghost{background:rgba(255,255,255,.08)}.hero .btn-ghost:hover{background:#fff;color:var(--p)}
.hero-cta .btn-lg{min-height:52px}.btn-sm{min-height:44px;display:inline-flex;align-items:center}@media(max-width:960px){.hdr-cta{display:none}}.nav a,.nav button{min-height:44px;display:flex;align-items:center}
@media(min-width:961px) and (max-width:1180px){.nav a,.nav button{padding:10px 7px;font-size:.9rem}.hdr-cta{padding:10px 14px}.logo-txt{display:none}}
@media(min-width:769px) and (max-width:1099px){.hero-home .hero-in{padding:56px 20px 64px}.hero-home h1{font-size:clamp(2.2rem,5vw,3rem)}}
@media(max-width:960px){.nav{max-height:calc(100vh - 70px);overflow:auto;padding:6px 0 20px;box-shadow:0 20px 40px -20px rgba(0,0,0,.35)}.nav>ul>li{border-bottom:1px solid var(--line)}.nav a,.nav button{padding:14px 20px;font-size:1.05rem;width:100%;text-align:left;border-radius:0}.nav>ul>li>button{display:flex;justify-content:space-between}.nav>ul>li>button .car{transition:transform .2s}.dd.open>button .car{transform:rotate(180deg)}.dd>ul{padding:0 0 8px 0;background:var(--bg)}.dd>ul a{padding:11px 20px 11px 32px;font-size:.98rem;white-space:normal}.burger{width:48px;height:48px}.nav-foot{padding:16px 20px 0}.nav-foot .btn{display:block;text-align:center}.nav-foot p{margin:10px 0 0;font-size:.85rem;color:var(--mut);text-align:center}}@media(min-width:961px){.nav-foot{display:none}}
.sticky-cta .btn{font-size:1.05rem;padding:14px}
/* ===== v8 polish ===== */
main>section.sec:nth-of-type(even):not(.sec-tight):not(.sources){background:#fff}
.sec .wrap>h2:first-child{position:relative}
.hero-page .hero-in{max-width:1120px}.hero-page h1{max-width:860px}
h2{letter-spacing:-.015em}h2::after{content:"";display:block;width:48px;height:4px;border-radius:2px;background:linear-gradient(90deg,var(--p),var(--acc));margin-top:10px}.apply h2::after,.cta-band h2::after,.takeaways h2::after,.faq-search+.faqs h2::after,.stats h2::after,.modal-box h2::after,.author h2::after,.hub-card h3::after{display:none}.apply h2::after,.cta-band h2::after{margin:10px auto 0}
.cta-band h2::after{display:block;background:var(--acc)}
.tbl table{font-variant-numeric:tabular-nums}th{font-size:.82rem;text-transform:uppercase;letter-spacing:.05em}td:nth-child(n+4){font-weight:500}
.card h3{display:flex;align-items:center;gap:8px}
.snap b{font-variant-numeric:tabular-nums}
.hdr-cta{box-shadow:0 8px 20px -10px rgba(138,59,31,.7);white-space:nowrap}
.ftr-grid>div:first-child p:last-of-type{font-size:.88rem;line-height:1.7}
.badge-row{display:flex;gap:10px;flex-wrap:wrap;margin:14px 0 0}.badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:8px;padding:6px 10px;font-size:.78rem;color:#d8d0c6}.badge svg{width:14px;height:14px;color:var(--acc)}
.mt0{margin-top:0}.mt12{margin-top:12px}.sr{position:absolute;left:-9999px}
.faq-search{display:flex;gap:12px;align-items:center;max-width:860px;margin:0 0 18px}.faq-search input{flex:1;padding:14px 18px;border:1px solid var(--line);border-radius:999px;font:inherit;font-size:1rem;background:#fff;box-shadow:var(--sh)}.faq-search input:focus{outline:3px solid var(--acc);outline-offset:2px}.faq-count{font-size:.9rem;color:var(--mut);white-space:nowrap}
.hub-card{display:flex;flex-direction:column}.hub-card img{aspect-ratio:21/9;object-fit:cover;width:100%;border-radius:10px;margin-bottom:12px}
.contact-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:start}.contact-form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}.contact-form label{display:block;font-weight:600;margin:12px 0 6px}.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}.contact-form textarea{min-height:120px}.addr-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}.addr-card dl{margin:0}.addr-card dt{font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--mut);margin-top:14px}.addr-card dd{margin:2px 0 0;font-weight:600}
@media(max-width:860px){.contact-grid{grid-template-columns:1fr}}
/* ===== v5 ===== */
.note{color:#4f4842}:focus-visible{outline:3px solid var(--acc);outline-offset:3px}.btn:focus-visible{outline-color:var(--p2)}
.micro{display:grid;grid-template-columns:1fr 1.3fr 1.3fr auto;gap:10px;align-items:end;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:18px;padding:14px;margin:0 0 18px;backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);animation:rise .9s .2s cubic-bezier(.2,.7,.2,1) both}.micro label{display:block;text-align:left;font-size:.78rem;opacity:.85;margin-bottom:4px;font-weight:600}.micro select{width:100%;padding:11px 12px;border-radius:10px;border:1px solid rgba(255,255,255,.3);background:rgba(0,0,0,.25);color:#fff;font:inherit;font-size:.95rem}.micro select option{color:#1d1a17}.micro .btn{padding:13px 20px;white-space:nowrap}.micro-out{grid-column:1/-1;margin:0;font-size:.9rem;color:var(--gold-l)}.micro-out:empty{display:none}
.disc-link{margin:10px 0 0;font-size:.85rem}.disc-link a{color:rgba(255,255,255,.8)}.hero-home .disc-link{text-align:left}.cutoff{font-size:.88rem;margin:8px 0 0;color:var(--gold-l);font-weight:600}.cutoff:empty{display:none}
.skel{position:absolute;inset:20px;display:grid;gap:14px;align-content:start;pointer-events:none}.skel i{display:block;height:44px;border-radius:10px;background:linear-gradient(90deg,#efe7dd 25%,#f8f3ee 50%,#efe7dd 75%);background-size:200% 100%;animation:shimmer 1.4s infinite}.skel i.w{height:120px}@keyframes shimmer{to{background-position:-200% 0}}.form-fallback{position:relative;z-index:2;background:#fff8e6;border:1px solid var(--acc);border-radius:10px;padding:12px 16px;margin:0 0 12px;font-size:.95rem}
.return-bar{position:relative;z-index:49;background:#5E2411;color:#fff;border-bottom:1px solid rgba(255,255,255,.12);display:flex;gap:14px;align-items:center;justify-content:center;padding:8px 16px;font-weight:600}.return-bar p{margin:0}.return-bar[hidden]{display:none}
.modal{position:fixed;inset:0;z-index:90;background:rgba(42,35,32,.6);display:grid;place-items:center;padding:20px;backdrop-filter:blur(4px)}.modal[hidden]{display:none}.modal-box{background:#fff;border-radius:18px;max-width:640px;width:100%;padding:28px 30px;position:relative;max-height:90vh;overflow:auto;box-shadow:0 30px 80px rgba(0,0,0,.4);animation:rise .35s both}.modal-x{position:absolute;top:10px;right:14px;background:none;border:0;font-size:2rem;line-height:1;cursor:pointer;color:var(--mut)}.no-scroll{overflow:hidden}
.changelog{max-width:820px;font-size:.9rem;background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px}.changelog summary{cursor:pointer;font-weight:600;padding:12px 0}.changelog table{font-size:.88rem;margin-bottom:12px}.changelog td{padding:8px 10px}.changelog td:first-child{white-space:nowrap}
.toc{position:fixed;right:max(24px,calc((100vw - 1120px)/2 - 250px));top:140px;width:210px;z-index:40;opacity:0;transform:translateX(10px);transition:.3s;pointer-events:none;font-size:.85rem}.toc.show{opacity:1;transform:none;pointer-events:auto}.toc strong{display:block;margin-bottom:8px;color:var(--mut);font-weight:600;font-size:.78rem}.toc ul{list-style:none;padding:0;margin:0;border-left:2px solid var(--line)}.toc a{display:block;padding:5px 12px;color:var(--mut);text-decoration:none;border-left:2px solid transparent;margin-left:-2px;line-height:1.3}.toc a.on,.toc a:hover{color:var(--p);border-left-color:var(--p)}
.ico{width:34px;height:34px;color:var(--p);display:block;margin-bottom:10px}.states-hub{margin-bottom:28px}code{background:#fff;border:1px solid var(--line);border-radius:6px;padding:2px 6px;font-size:.9em}
@media(max-width:860px){.micro{grid-template-columns:1fr 1fr}.micro .btn{grid-column:1/-1;width:100%}}
@media(max-width:560px){.blobs{filter:blur(40px)}.micro{padding:12px}}