@font-face{font-family:"Inter Fallback";src:local("Arial"),local("ArialMT"),local("Liberation Sans");size-adjust:107.65%;ascent-override:89.99%;descent-override:22.41%;line-gap-override:0%}
@font-face{font-family:"Cormorant Fallback";src:local("Georgia");size-adjust:88.1%;ascent-override:104.88%;descent-override:32.58%;line-gap-override:0%}
:root{--bg:#F8F4EC;--paper:#FFFDF8;--ink:#231A12;--muted:#6B5D4F;--line:#E5DACA;--accent:#A9471F;--accent-d:#8A3816;--gold:#C8A15A;--olive:#55623A;--dark:#2B1D14;--radius:14px;--serif:"Cormorant Garamond","Cormorant Fallback",Georgia,serif;--sans:Inter,"Inter 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(--accent)}a:hover{color:var(--accent-d)}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.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:1.15;color:var(--ink);letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem);margin:.2em 0 .3em;font-weight:600}
h2{font-size:clamp(1.55rem,2.8vw,2.1rem);margin:2em 0 .5em;font-weight:600}
h3{font-size:1.3rem;margin:1.5em 0 .4em;font-weight:600}
.site-header{background:var(--dark);color:#F4E9D8;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:#F4E9D8;text-decoration:none;font-family:var(--serif);font-size:1.45rem;font-weight:700}
.brand em{font-style:italic;font-weight:500;margin-left:5px;color:var(--gold)}
.logo-mark{width:34px;height:34px;color:#F4E9D8}
.main-nav{display:flex;gap:18px;margin-left:auto}.main-nav a{color:#E9DCC6;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:999px;font-weight:600;font-size:1rem;transition:background .15s}
.btn:hover{background:var(--accent-d)}.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:980px){.main-nav,.header-inner>.btn-sm{display:none}.mnav{display:block;margin-left:auto}
.mnav summary{list-style:none;cursor:pointer;border:1px solid #6b5a49;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:#F4E9D8;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(180deg,rgba(35,26,18,.15),rgba(35,26,18,.65))}
.hero-inner{position:relative;z-index:1;padding:110px 20px 120px;max-width:820px;margin-left:max(20px,calc((100vw - 1180px)/2))}
.hero h1{color:#fff;font-size:clamp(2.4rem,5.6vw,4.2rem)}
.hero .lede{font-size:1.15rem;color:#FBEFDC;max-width:640px}.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:600;color:#FBE3BA}
.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:820px}.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-left:4px solid var(--accent);border-radius:0 var(--radius) var(--radius) 0;padding:18px 24px;margin:26px 0;max-width:820px;box-shadow:0 1px 0 var(--line)}
.answer p{margin:0;font-size:1.08rem}.answer .answer-label{font-size:.75rem;text-transform:uppercase;letter-spacing:.14em;color:var(--accent);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:980px){.article-grid{grid-template-columns:1fr}.side{order:-1}.side-cta{display:none}}
.prose{max-width:760px}.prose p,.prose li{color:#2f251b}.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(--accent)}
@media(max-width:980px){.side{position:static}.toc{margin-top:10px}}
.side-cta{margin-top:18px;background:var(--dark);color:#F4E9D8;border-radius:var(--radius);padding:20px;font-size:.92rem}
.side-cta-title{font-family:var(--serif);font-size:1.35rem;color:#fff;margin:0 0 6px;font-weight:600}
.facts{background:#F1E8D8;border-radius:var(--radius);padding:6px 24px 14px;margin:0 0 10px}.facts h2{font-size:1.25rem;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:12px;background:var(--paper)}
table{border-collapse:collapse;width:100%;font-size:.92rem;line-height:1.5}
th,td{padding:11px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
th{background:#EFE4D2;font-weight:600;white-space:nowrap}tr:last-child td{border-bottom:0}
.cta{background:linear-gradient(135deg,#2B1D14,#4A2C1B);color:#F4E9D8;border-radius:18px;padding:28px 30px;margin:38px 0}
.cta p{color:#EADBC4;margin:.4em 0}.cta-kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700;color:var(--gold)!important}
.cta-title{font-family:var(--serif);font-size:1.7rem;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{color:#EADBC4}
.faq .qa{border-top:1px solid var(--line);padding:4px 0}.faq h3{font-size:1.2rem;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(43,29,20,.08)}
.card-kicker{font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;color:var(--olive);font-weight:700}
.card-title{font-family:var(--serif);font-size:1.3rem;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:1.25rem}.qcard p{font-size:.95rem;color:#3a2e22}.qcard a{font-weight:600;font-size:.92rem}
.dgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,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(160deg,#C9693A,#7A3E22 55%,#2B1D14)}
.dcard:nth-child(3n+2){background:linear-gradient(160deg,#8C9A5B,#55623A 55%,#2B2A16)}.dcard:nth-child(3n){background:linear-gradient(160deg,#D9A35A,#9A6B2E 55%,#3A2814)}
.dname{font-family:var(--serif);font-size:1.6rem;font-weight:700}.ddesc{font-size:.82rem;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:18px;padding:24px;margin:24px 0}.estimator h2{margin-top:0}
#est{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,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:10px;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:2.4rem;font-weight:700;margin:4px 0;color:var(--accent)}.est-note{font-size:.82rem;color:var(--muted)}
.fine-inline{font-size:.85rem;color:var(--muted)}
.site-footer{background:var(--dark);color:#CDBFA9;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:#F4E9D8;font-size:1.15rem;margin:0 0 10px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:6px 0}
.site-footer a{color:#CDBFA9;text-decoration:none}.site-footer a:hover{color:#fff}.brand-foot{margin-bottom:8px}
.fine{border-top:1px solid #4a3a2c;margin-top:30px;padding-top:18px;font-size:.8rem;color:#A8977F}
.narrow{max-width:860px}
.flight{position:relative;background:#1d140d;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(20,13,8,.62) 0,rgba(20,13,8,.28) 45%,rgba(20,13,8,0) 70%),linear-gradient(0deg,rgba(20,13,8,.55),rgba(20,13,8,0) 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:#FBEFDC}
.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:#FBEFDC;margin:.2em 0 .6em}.chap-link{color:#FBE3BA;font-weight:600;text-decoration:none}.chap-link:hover{color:#fff}
.chap-note{font-size:.78rem;color:#EADBC4;opacity:.85}.chap-note a{color:#EADBC4}
.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(20,13,8,.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(--gold);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(20,13,8,.78) 0,rgba(20,13,8,.35) 55%,rgba(20,13,8,.1) 100%)}.flight-cap{top:76px;bottom:auto;right:10px}}
@media(max-width:600px){body{font-size:16px}.hero-inner{padding:70px 16px 80px}.wrap{padding:0 16px}.cta{padding:22px}.btn-ghost{margin-left:0}}