:root{--green:#0b4a32;--green-2:#0f5f41;--gold:#c99a33;--gold-2:#e3bd5f;--ink:#1d2421;--muted:#55605b;--line:#e3e0d6;--cream:#faf7ef;--bg:#ffffff}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
a{color:var(--green-2)}
a:hover{color:var(--green)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.25;color:#122019}
h1{font-size:2.1rem;margin:.4em 0 .3em}
h2{font-size:1.5rem;margin:1.8em 0 .5em}
h3{font-size:1.18rem;margin:1.4em 0 .4em}
.wrap{max-width:1100px;margin:0 auto;padding:0 16px}

/* Disclosure: first in body, same size as body copy, never italic */
.disclosure{background:#fff8e1;border-bottom:2px solid var(--gold);color:#1d2421}
.disclosure p{max-width:1100px;margin:0 auto;padding:10px 16px;font-size:16px;line-height:1.5;font-style:normal}
.disclosure-repeat{font-size:17px;font-style:normal}

.site-header{background:var(--green);color:#fff}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:60px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:Georgia,serif;font-size:1.3rem;font-weight:700}
.brand:hover{color:var(--gold-2)}
.logo-mark circle{stroke:#e3bd5f;stroke-width:1}
.nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav a{color:#fff;text-decoration:none;padding:8px 10px;border-radius:6px;font-size:.95rem;font-weight:500}
.nav a:hover{background:var(--green-2);color:var(--gold-2)}
.menu{display:none}
@media (max-width:900px){
  .nav{display:none}
  .menu{display:block;position:relative}
  .menu summary{list-style:none;cursor:pointer;color:#fff;border:1px solid rgba(255,255,255,.5);border-radius:6px;padding:6px 12px;font-weight:600}
  .menu summary::-webkit-details-marker{display:none}
  .menu ul{position:absolute;right:0;top:44px;background:var(--green);list-style:none;margin:0;padding:8px;border-radius:8px;min-width:220px;box-shadow:0 8px 24px rgba(0,0,0,.25);z-index:20}
  .menu a{display:block;color:#fff;text-decoration:none;padding:10px 12px}
}

.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:18px 0 0;font-size:.85rem;color:var(--muted)}
.crumbs li+li::before{content:"\203A";margin-right:6px}
.crumbs a{color:var(--muted)}

.article{max-width:800px}
.meta{color:var(--muted);font-size:.9rem;margin-top:0}
.lead{font-size:1.12rem;color:#2b3631}
article ul,article ol{padding-left:1.3em}
article li{margin:.3em 0}
article table{width:100%;border-collapse:collapse;margin:1em 0;font-size:.95rem;display:block;overflow-x:auto}
article th,article td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
article th{background:var(--cream)}
blockquote,.note{border-left:4px solid var(--gold);background:var(--cream);margin:1.2em 0;padding:10px 16px}

.fee-statement{border:1px solid var(--line);border-left:4px solid var(--green);background:#f6faf7;padding:6px 18px;margin:1.5em 0;border-radius:6px}
.fee-statement h3{margin-top:.8em}

.cta-box{background:linear-gradient(135deg,var(--green),var(--green-2));color:#fff;border-radius:12px;padding:22px 24px;margin:2em 0}
.cta-box p{margin:.3em 0}
.cta-head{font-family:Georgia,serif;font-size:1.3rem;font-weight:700;color:#fff}
.cta-fine{font-size:.82rem;opacity:.9;margin-top:12px!important}
.btn{display:inline-block;background:var(--gold-2);color:#122019;font-weight:700;text-decoration:none;padding:13px 22px;border-radius:8px;margin-top:10px;border:2px solid var(--gold-2)}
.btn:hover{background:#f0cf78;color:#122019}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}

.related{border-top:1px solid var(--line);margin-top:2.5em;padding-top:.5em}
.related h2{font-size:1.25rem}
.hub-link{font-weight:600}

.hero{background:radial-gradient(ellipse at top right,#1a7a54 0%,var(--green) 60%);color:#fff;padding:48px 0 52px}
.hero h1{color:#fff;font-size:2.5rem;max-width:760px}
.hero .lead{color:#e8f1ec;max-width:760px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}

.cards{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px}
.card a{display:block;height:100%;border:1px solid var(--line);border-radius:10px;padding:16px;text-decoration:none;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.card a:hover{border-color:var(--gold);box-shadow:0 4px 16px rgba(11,74,50,.08)}
.card strong{display:block;font-family:Georgia,serif;color:var(--green);margin-bottom:6px}
.card span{font-size:.92rem;color:var(--muted)}
.hubgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.hubcard{border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:10px;padding:4px 18px 16px;background:var(--cream)}
.hubcard h3 a{text-decoration:none;color:var(--green)}
.hubcard p{font-size:.92rem;color:var(--muted)}
.hubcard ul{padding-left:1.1em;font-size:.95rem}
.more{font-weight:600}
.hub{padding-bottom:30px}

.site-footer{background:#0a2d20;color:#d5e2dc;margin-top:60px;padding:36px 0 90px;font-size:.92rem}
.site-footer a{color:#f0d68e}
.fcols{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
.fcols ul{list-style:none;padding:0;margin:0}
.fcols li{margin:6px 0}
.fh{font-weight:700;color:#fff}
.fbrand{display:flex;align-items:center;gap:10px;font-family:Georgia,serif;font-size:1.2rem;color:#fff;font-weight:700}
.fine{font-size:.82rem;color:#aebfb7;border-top:1px solid rgba(255,255,255,.12);padding-top:14px;margin-top:20px}
@media (max-width:760px){.fcols{grid-template-columns:1fr}h1{font-size:1.7rem}.hero h1{font-size:1.9rem}}

.sticky-cta{position:fixed;left:0;right:0;bottom:0;background:var(--green);display:flex;align-items:center;justify-content:center;gap:10px;padding:10px 16px;box-shadow:0 -4px 16px rgba(0,0,0,.2);z-index:30}
.sticky-cta a{flex:1;max-width:420px;text-align:center;background:var(--gold-2);color:#122019;font-weight:700;text-decoration:none;padding:11px;border-radius:8px}
.sticky-cta button{background:none;border:0;color:#fff;font-size:1.6rem;line-height:1;cursor:pointer;padding:4px 8px}
.sticky-cta[hidden]{display:none}
@media (min-width:901px){.sticky-cta{display:none!important}}
.go{padding:40px 16px}