:root{
  --orange:#E8912D; --orange-dk:#CE7A1B; --orange-tint:#FDF3E7;
  --grey:#9B9B9B; --grey-lt:#E4E4E4; --grey-bg:#F6F6F4;
  --charcoal:#2B2B2B; --charcoal-lt:#5A5A5A;
  --green:#2E7D4F; --green-tint:#EAF4EE; --red:#C0392B;
  --off:#FAFAFA;
  --head:'Questrial',"Century Gothic","Futura",-apple-system,sans-serif;
  --body:'Inter',-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --maxw:1120px; --radius:10px;
  --shadow:0 1px 3px rgba(0,0,0,.06),0 8px 24px rgba(0,0,0,.05);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--body);color:var(--charcoal);background:#fff;line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--head);font-weight:400;line-height:1.2;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3.05rem)}
h2{font-size:clamp(1.5rem,2.8vw,2.05rem)}
h3{font-size:1.2rem}
a{color:var(--orange-dk);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:10px;z-index:100}

header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--grey-lt)}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:13px 24px;max-width:var(--maxw);margin:0 auto}
.brand{display:flex;align-items:center;gap:11px}
.brand:hover{text-decoration:none}
.wordmark{font-family:var(--head);font-size:1.6rem;color:var(--orange);line-height:1}
.tagline{font-size:10px;letter-spacing:.15em;text-transform:uppercase;color:var(--grey);margin-top:3px}
nav{display:flex;gap:2px;align-items:center}
nav a{font-size:14.5px;font-weight:500;color:var(--charcoal-lt);padding:8px 12px;border-radius:6px;white-space:nowrap}
nav a:hover{background:var(--grey-bg);color:var(--charcoal);text-decoration:none}
nav a.on{color:var(--orange-dk);background:var(--orange-tint)}
.hdr-actions{display:flex;align-items:center;gap:8px;flex-shrink:0}
.call{display:flex;align-items:center;gap:9px;background:var(--charcoal);color:#fff;padding:9px 16px;border-radius:7px;font-weight:600;font-size:14.5px;white-space:nowrap}
.call:hover{background:#000;text-decoration:none;color:#fff}
.menu-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px;border-radius:6px;color:var(--charcoal);align-items:center;justify-content:center;flex-shrink:0}
.menu-toggle:hover{background:var(--grey-bg)}
.menu-toggle svg{width:22px;height:22px;display:block}

.btn{display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:#fff;border:0;font-family:var(--body);font-weight:600;font-size:15.5px;padding:13px 24px;border-radius:7px;cursor:pointer;transition:.15s;text-align:center}
.btn:hover{background:var(--orange-dk);text-decoration:none;color:#fff}
.btn.ghost{background:transparent;color:var(--charcoal);border:1.5px solid var(--grey-lt)}
.btn.ghost:hover{border-color:var(--charcoal);background:transparent;color:var(--charcoal)}
.btn.sm{padding:9px 17px;font-size:14px}

.hero{padding:76px 0 64px;background:linear-gradient(180deg,var(--off) 0%,#fff 100%);border-bottom:1px solid var(--grey-lt)}
.eyebrow{display:inline-block;font-size:12px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--orange-dk);background:var(--orange-tint);padding:6px 13px;border-radius:100px;margin-bottom:20px}
.lede{font-size:1.15rem;color:var(--charcoal-lt);margin:20px 0 30px;max-width:52ch}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}
.trust{display:flex;gap:26px;margin-top:34px;padding-top:26px;border-top:1px solid var(--grey-lt);flex-wrap:wrap}
.trust div{font-size:13.5px;color:var(--charcoal-lt)}
.trust b{display:block;font-family:var(--head);font-size:1.5rem;color:var(--charcoal);font-weight:400}

.card{background:#fff;border:1px solid var(--grey-lt);border-radius:var(--radius);box-shadow:var(--shadow)}

section.pad{padding:72px 0}
section.alt{background:var(--grey-bg);border-top:1px solid var(--grey-lt);border-bottom:1px solid var(--grey-lt)}
.sec-head{max-width:660px;margin-bottom:40px}
.sec-head p{color:var(--charcoal-lt);margin-top:12px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.svc{padding:26px;transition:.18s;display:block;color:inherit}
.svc:hover{transform:translateY(-2px);box-shadow:0 4px 8px rgba(0,0,0,.05),0 14px 34px rgba(0,0,0,.07);text-decoration:none;color:inherit}
.svc .ico{width:40px;height:40px;border-radius:9px;background:var(--orange-tint);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.svc h3{margin-bottom:8px}
.svc p{font-size:14.6px;color:var(--charcoal-lt)}
.svc .more{font-size:14px;font-weight:600;color:var(--orange-dk);margin-top:14px;display:inline-block}

.answer{background:var(--orange-tint);border-left:4px solid var(--orange);padding:20px 24px;border-radius:0 8px 8px 0;margin:26px 0}
.answer .lbl{font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--orange-dk);margin-bottom:7px}
.answer p{font-size:17px;line-height:1.6;margin:0}
.note{background:var(--green-tint);border-left:4px solid var(--green);padding:18px 22px;border-radius:0 8px 8px 0;margin:24px 0;font-size:14.8px}
.warn{background:#FBEAE8;border-left:4px solid var(--red);padding:18px 22px;border-radius:0 8px 8px 0;margin:24px 0;font-size:14.8px}
.note p:last-child,.warn p:last-child{margin-bottom:0}

.byline{display:flex;gap:14px;align-items:center;padding:16px 0;border-top:1px solid var(--grey-lt);border-bottom:1px solid var(--grey-lt);margin:26px 0 34px;font-size:13.8px;color:var(--charcoal-lt);flex-wrap:wrap}
.avatar{width:38px;height:38px;border-radius:100px;background:var(--charcoal);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--head);font-size:15px;flex-shrink:0}
article h2{margin:38px 0 14px}
article h3{margin:28px 0 10px}
article p{margin-bottom:15px;color:#3A3A3A}
article ul,article ol{margin:0 0 18px 22px}
article li{margin-bottom:8px;color:#3A3A3A}
table{width:100%;border-collapse:collapse;margin:22px 0;font-size:14.6px}
th{text-align:left;background:var(--charcoal);color:#fff;font-weight:600;padding:11px 14px;font-size:13.5px}
td{padding:11px 14px;border-bottom:1px solid var(--grey-lt);vertical-align:top}
tbody tr:nth-child(even) td{background:#FBFBFA}
.tablewrap{overflow-x:auto}
.crumbs{font-size:13px;color:var(--grey);margin-bottom:18px}
.crumbs a{color:var(--grey)}
.crumbs a:hover{color:var(--orange-dk)}
.toc{background:var(--grey-bg);border:1px solid var(--grey-lt);border-radius:8px;padding:20px 24px;margin:28px 0}
.toc strong{font-family:var(--head);font-size:15px;font-weight:400;display:block;margin-bottom:10px}
.toc ul{margin:0 0 0 18px}
.toc li{margin-bottom:6px;font-size:14.5px}
.sources{margin-top:34px;padding-top:24px;border-top:1px solid var(--grey-lt);font-size:14px;color:var(--charcoal-lt)}
.sources strong{color:var(--charcoal);display:block;margin-bottom:8px}
.sources li{margin-bottom:5px}

.pillar{padding:24px;border-left:3px solid var(--orange)}
.pillar h3{margin-bottom:6px}
.pillar .cnt{font-size:12px;color:var(--grey);text-transform:uppercase;letter-spacing:.09em;margin-bottom:14px}
.pillar ul{margin-left:17px}
.pillar li{font-size:14.4px;margin-bottom:7px}
.soon{color:var(--grey)}

/* related guides + inline FAQ + plain link lists */
.related{margin-top:34px;padding:22px 24px;border:1px solid var(--grey-lt);border-radius:var(--radius);background:#fff}
.related strong{display:block;color:var(--charcoal);margin-bottom:10px;font-family:var(--head);font-size:1.05rem}
.related ul{list-style:none;margin:0}
.related li{margin-bottom:7px;font-size:14.8px;padding-left:16px;position:relative}
.related li::before{content:"›";position:absolute;left:0;color:var(--orange);font-weight:700}

.faq{margin-top:40px}
.faq h2{font-size:1.5rem;margin-bottom:16px}
.faq details{border:1px solid var(--grey-lt);border-radius:9px;margin-bottom:9px;background:#fff}
.faq summary{cursor:pointer;padding:15px 18px;font-family:var(--head);font-size:1.02rem;color:var(--charcoal);list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--orange);font-size:1.3rem;line-height:1;flex-shrink:0}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 18px 17px;font-size:14.9px;color:var(--charcoal-lt);margin:0}

.linklist{list-style:none;margin:0}
.linklist li{margin-bottom:8px;font-size:15px;padding-left:17px;position:relative}
.linklist li::before{content:"›";position:absolute;left:0;color:var(--orange);font-weight:700}

.tool{max-width:720px;margin:0 auto}
.step .q{font-family:var(--head);font-size:1.13rem;margin-bottom:4px}
.step .hint{font-size:13.4px;color:var(--grey);margin-bottom:13px}
.opts{display:grid;gap:9px}
.opt{display:flex;align-items:center;gap:12px;padding:13px 16px;border:1.5px solid var(--grey-lt);border-radius:8px;cursor:pointer;background:#fff;transition:.13s;font-size:15px;text-align:left;font-family:var(--body);color:var(--charcoal);width:100%}
.opt:hover{border-color:var(--orange);background:#FFFCF8}
.opt.sel{border-color:var(--orange);background:var(--orange-tint)}
.dot{width:17px;height:17px;border-radius:100px;border:2px solid var(--grey-lt);flex-shrink:0}
.opt.sel .dot{border-color:var(--orange);background:var(--orange);box-shadow:inset 0 0 0 3px #fff}
.progress{display:flex;gap:6px;margin-bottom:24px}
.progress span{height:4px;flex:1;border-radius:3px;background:var(--grey-lt)}
.progress span.on{background:var(--orange)}
.result{border:1px solid var(--grey-lt);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.result .top{background:var(--charcoal);color:#fff;padding:28px 30px}
.result .top .lbl{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--grey);margin-bottom:7px}
.result .top .big{font-family:var(--head);font-size:2.5rem;color:var(--orange);line-height:1.1}
.result .rbody{padding:26px 30px}
.result h4{font-family:var(--head);font-size:1.05rem;margin-bottom:9px}

.field{margin-bottom:16px}
label{display:block;font-size:13.6px;font-weight:600;margin-bottom:6px}
input,select,textarea{width:100%;padding:11px 13px;border:1.5px solid var(--grey-lt);border-radius:7px;font-family:var(--body);font-size:15px;color:var(--charcoal);background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--orange)}
.checks label{font-weight:400;font-size:14.4px;line-height:2.1;margin:0}
.checks input{width:auto;margin-right:8px}

footer{background:var(--charcoal);color:#B8B8B8;padding:54px 0 26px;font-size:14.2px}
footer h4{color:#fff;font-size:14px;font-family:var(--body);font-weight:600;margin-bottom:13px}
footer a{color:#B8B8B8}
footer a:hover{color:var(--orange)}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px;padding-bottom:34px;border-bottom:1px solid #454545}
.fgrid ul{list-style:none}
.fgrid li{margin-bottom:8px}
.fbot{padding-top:22px;font-size:12.8px;color:#8A8A8A;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

@media(max-width:1040px){
  .menu-toggle{display:flex}
  nav{position:absolute;top:100%;left:0;right:0;display:none;flex-direction:column;align-items:stretch;gap:2px;background:#fff;border-bottom:1px solid var(--grey-lt);padding:10px 24px 18px;box-shadow:0 12px 24px rgba(0,0,0,.08)}
  nav.open{display:flex}
  nav a{padding:12px 10px;font-size:15.5px}
}
@media(max-width:900px){
  .grid3,.grid2,.fgrid{grid-template-columns:1fr}
  .hero{padding:48px 0 40px}
  section.pad{padding:48px 0}
  .tagline{display:none}
}
@media(max-width:420px){
  .call-txt{display:none}
  .call{padding:9px 11px}
}