:root{--ink:#292820;--cream:#f4efe4;--wood:#8a5b38;--green:#3f5945;--paper:#fffdf8;--line:#ddd4c5}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Georgia,"Times New Roman",serif;color:var(--ink);background:var(--paper);line-height:1.7}
a{color:#36523e}header{background:#252a25;color:white;padding:13px 5%;display:flex;align-items:center;justify-content:space-between;gap:20px;position:sticky;top:0;z-index:10}
.brand a{font-size:1.35rem;font-weight:700;color:white;text-decoration:none}.nav{display:flex;align-items:center;gap:17px}.nav a{color:white;text-decoration:none}
.btn{display:inline-block;background:var(--green);color:white!important;padding:12px 18px;border-radius:6px;text-decoration:none;font-weight:700;margin:6px 8px 6px 0}.btn.alt{background:var(--wood)}
.hero{background:var(--cream);padding:72px 6%;display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}.hero h1{font-size:clamp(2.35rem,5vw,4.7rem);line-height:1.03;margin:0 0 18px}.hero p{font-size:1.18rem;max-width:760px}
main{max-width:1040px;margin:auto;padding:45px 5%}main h1{font-size:clamp(2.2rem,4vw,3.5rem);line-height:1.08}h2{font-size:2rem;line-height:1.18;margin-top:50px}h3{font-size:1.35rem;line-height:1.25}
.eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:.78rem;font-weight:700;color:var(--wood)}.lede{font-size:1.18rem;max-width:800px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px;box-shadow:0 8px 28px #0000000b}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid.two{grid-template-columns:repeat(2,1fr)}
.note{background:#f6f3ec;padding:18px 20px;border-left:4px solid var(--wood);margin:28px 0}.toc{background:#f6f3ec;border:1px solid var(--line);padding:20px 25px;border-radius:8px}.toc a{display:block;margin:5px 0}
.breadcrumbs{font-size:.9rem;margin-bottom:25px;color:#625f55}.breadcrumbs a{color:#625f55}.diagram{background:#f5f0e6;border:1px solid var(--line);padding:22px;margin:28px 0;border-radius:10px}.zones{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.zone{background:white;border:1px solid var(--line);padding:18px;text-align:center;border-radius:6px}
table{border-collapse:collapse;width:100%;margin:25px 0}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#f4efe4}
.callout{background:#eef2ed;border:1px solid #cbd7cd;padding:22px;border-radius:9px;margin:30px 0}.affiliate{background:#f6f3ec;border:1px solid var(--line);padding:20px;border-radius:8px;margin:32px 0}
footer{background:#252a25;color:#ddd;padding:38px 5%;margin-top:55px}footer a{color:white}.footerlinks{display:flex;gap:18px;flex-wrap:wrap}
@media(max-width:800px){.hero,.grid,.grid.two,.zones{grid-template-columns:1fr}.nav a:not(.btn){display:none}.hero{padding-top:48px}header{align-items:flex-start}.btn{padding:10px 12px}}

.planimg{width:100%;height:auto;background:#f4efe4;border:1px solid var(--line);border-radius:10px;margin:22px 0}.quick{background:#eef2ed;border:1px solid #cbd7cd;border-radius:9px;padding:20px;margin:25px 0}.hublist{columns:2;column-gap:30px}.hublist a{display:block;margin:7px 0}@media(max-width:700px){.hublist{columns:1}}

table{width:100%;border-collapse:collapse;margin:18px 0 26px}th,td{text-align:left;vertical-align:top;padding:11px 12px;border-bottom:1px solid var(--line)}th{background:#f3eee4}.planimg{display:block}.source-note{font-size:.9rem;color:#655e54}.disclosure{margin-top:24px;padding:14px 16px;border-left:3px solid #9a633d;background:#f3eee6}

.commercial-bridge{margin-top:30px;padding:20px 22px;background:#f3eee4;border-left:4px solid #3e5b46}.commercial-bridge h2{margin-top:0}