:root{--ink:#10231a;--muted:#4b5f55;--bg:#f6faf6;--card:#fff;--line:#d9e7dd;--green:#0f5132;--green-2:#1f7a4d;--mint:#5fd38d;--mint-soft:#e5f6ea;--sun:#f2b705;--warn:#fff6dc;--warn-line:#e8c96a;--radius:14px;--shadow:0 2px 14px rgba(15,81,50,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 Inter,system-ui,sans-serif;color:var(--ink);background:var(--bg)}
h1,h2,h3{font-family:Fraunces,Georgia,serif;line-height:1.2;color:var(--green);margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3.1rem)}h2{font-size:clamp(1.5rem,3vw,2rem);margin-top:1.4em}h3{font-size:1.2rem}
a{color:var(--green-2)}a:hover{color:var(--green)}
img{max-width:100%;height:auto}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:800px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.i{width:1.2em;height:1.2em;vertical-align:-.2em;flex:none}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:66px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--green);font-family:Fraunces,serif;font-size:1.3rem;font-weight:700}
.brand b{color:var(--green-2);font-weight:600}
nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;flex-wrap:wrap}
nav a{display:block;padding:8px 11px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.94rem}
nav a:hover,nav a[aria-current]{background:var(--mint-soft);color:var(--green)}
.nav-toggle{display:none;background:var(--green);color:#fff;border:0;border-radius:8px;padding:8px 14px;font:inherit;cursor:pointer}
@media(max-width:960px){.nav-toggle{display:block}nav{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px}nav.open{display:block}nav ul{flex-direction:column}}
/* hero */
.hero{background:linear-gradient(160deg,#e9f7ee 0%,#f6faf6 60%);padding:64px 0 48px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr}}
.lead{font-size:1.15rem;color:var(--muted);max-width:62ch}
.eyebrow{display:inline-flex;gap:6px;align-items:center;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;font-weight:600;color:var(--green-2);background:var(--mint-soft);padding:4px 10px;border-radius:99px;margin-bottom:14px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--green);color:#fff;text-decoration:none;padding:12px 20px;border-radius:10px;font-weight:600;border:0;font:600 1rem Inter,sans-serif;cursor:pointer}
.btn:hover{background:var(--green-2);color:#fff}
.btn-light{background:#fff;color:var(--green);border:1px solid var(--line)}.btn-light:hover{background:var(--mint-soft);color:var(--green)}
.btn-ghost{background:transparent;border:1px solid rgba(255,255,255,.5)}
section.block{padding:48px 0}
/* cards */
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
a.card{text-decoration:none;color:var(--ink);transition:transform .15s}a.card:hover{transform:translateY(-3px)}
.card .i{width:34px;height:34px;color:var(--green-2);background:var(--mint-soft);padding:6px;border-radius:10px;margin-bottom:10px}
.card h3{margin-bottom:.4em}.card p{margin:0;color:var(--muted)}
.more{display:inline-flex;gap:6px;align-items:center;margin-top:10px;font-weight:600;color:var(--green-2)}
/* content */
.content{padding:40px 0 56px}
.content p,.content li{max-width:72ch}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 22px;margin:0 0 24px}
.toc ul{margin:.3em 0 0;padding-left:1.1em;columns:2}@media(max-width:600px){.toc ul{columns:1}}
.caveat{display:flex;gap:12px;background:var(--warn);border:1px solid var(--warn-line);border-radius:12px;padding:14px 18px;margin:20px 0}
.caveat .i{color:#a37800;margin-top:3px}.caveat p{margin:.2em 0}
.keypoint{border-left:4px solid var(--mint);background:#fff;padding:12px 18px;border-radius:0 12px 12px 0;margin:18px 0}
.checks{list-style:none;padding:0}.checks li{position:relative;padding-left:28px;margin:.45em 0}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:16px;height:16px;border-radius:50%;background:var(--mint-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231f7a4d' stroke-width='3'%3E%3Cpath d='m5 12 5 5 9-10'/%3E%3C/svg%3E") center/11px no-repeat}
table{border-collapse:collapse;width:100%;background:#fff;border-radius:12px;overflow:hidden;border:1px solid var(--line);margin:16px 0}
th,td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--mint-soft);color:var(--green)}
.table-scroll{overflow-x:auto}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:28px}@media(max-width:760px){.two-col{grid-template-columns:1fr}}
.figure{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin:20px 0}
.figure figcaption{font-size:.88rem;color:var(--muted);margin-top:8px}
/* steps */
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 18px 18px 60px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:16px;top:16px;width:30px;height:30px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-weight:700}
/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;padding:0 18px}
summary{cursor:pointer;font-weight:600;padding:14px 0;color:var(--green)}details[open] summary{border-bottom:1px solid var(--line);margin-bottom:10px}
/* forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
label{display:block;font-weight:600;font-size:.93rem;margin:12px 0 4px}
input,select,textarea{width:100%;padding:10px 12px;border:1px solid #bcd3c4;border-radius:8px;font:inherit;background:#fbfdfb}
input:focus,select:focus,textarea:focus{outline:2px solid var(--mint);border-color:var(--green-2)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:600px){.row{grid-template-columns:1fr}}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.notice{padding:14px 18px;border-radius:12px;background:var(--mint-soft);border:1px solid var(--mint);margin-bottom:18px}
.notice.err{background:#fde8e8;border-color:#e9a3a3}
.req{color:#b3261e}.hint{font-size:.85rem;color:var(--muted);font-weight:400}
/* estimator */
.est{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}@media(max-width:860px){.est{grid-template-columns:1fr}}
.est fieldset{border:1px solid var(--line);border-radius:12px;padding:6px 16px 16px;margin:0 0 16px;background:#fff}
.est legend{font-weight:700;color:var(--green);padding:0 6px}
.results{position:sticky;top:84px}
.stat{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px dashed var(--line)}
.stat b{font-size:1.2rem;color:var(--green)}
.total{background:var(--green);color:#fff;border-radius:12px;padding:16px;margin-top:14px}.total b{color:var(--mint);font-size:1.6rem}
.bar{height:12px;background:var(--mint-soft);border-radius:99px;overflow:hidden;margin:4px 0 10px}.bar span{display:block;height:100%;background:linear-gradient(90deg,var(--green-2),var(--mint));width:0;transition:width .4s}
/* cta + footer */
.cta-band{background:var(--green);color:#e7f5ec;padding:44px 0}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .3em}.cta-band p{margin:0}.cta-actions{display:flex;gap:12px;flex-wrap:wrap}
.cta-band .btn{background:var(--mint);color:var(--green)}.cta-band .btn-ghost{background:transparent;color:#fff}
.site-footer{background:#0b2c1d;color:#c5dccd;padding:44px 0 20px;font-size:.93rem}
.site-footer a{color:#e7f5ec}.site-footer .brand{color:#fff}.site-footer .brand b{color:var(--mint)}
.site-footer h3{color:#fff;font-family:Inter,sans-serif;font-size:1rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}@media(max-width:760px){.footer-grid{grid-template-columns:1fr}}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.35em 0}
.footer-bottom{border-top:1px solid #1f4a33;margin-top:28px;padding-top:16px;font-size:.85rem}
.hero-art{width:100%;max-width:480px;justify-self:center}
.cta-slot{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;background:var(--mint-soft);border:1px solid var(--mint);border-radius:var(--radius);padding:18px 22px;margin:24px 0}.cta-slot h3{margin:0 0 .2em}.cta-slot p{margin:0;color:var(--muted)}