:root{--ink:#17352f;--muted:#64736f;--paper:#fbfaf5;--card:#fff;--sage:#dfeadf;--accent:#d86b45;--line:#d9e0db;--dark:#102d28}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--paper);color:#1c2926;line-height:1.7}
a{color:var(--ink)}.wrap{width:min(1120px,92%);margin:auto}.topnote{background:var(--dark);color:#eaf4ef;text-align:center;padding:.55rem;font-size:.86rem}.topnote a{color:white}
header{position:sticky;top:0;z-index:20;background:rgba(251,250,245,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:22px}.brand{font-weight:900;letter-spacing:-.04em;font-size:1.35rem;text-decoration:none;color:var(--dark)}.brand span{color:var(--accent)}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}nav a{text-decoration:none;font-weight:700;font-size:.92rem}.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;padding:.85rem 1.1rem;border-radius:999px;font-weight:850;border:0;cursor:pointer}.btn.alt{background:var(--dark)}
.hero{padding:76px 0 54px;background:linear-gradient(145deg,#f8f5ea 0%,#e8f0e7 100%)}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:#7b543f;font-size:.78rem}
h1,h2,h3{line-height:1.12;color:var(--dark);letter-spacing:-.035em}h1{font-size:clamp(2.7rem,7vw,5.6rem);max-width:900px;margin:.2em 0}h2{font-size:clamp(2rem,4vw,3.3rem);margin-top:1.5em}h3{font-size:1.35rem}.lead{font-size:1.18rem;max-width:780px;color:#40514c}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
section{padding:54px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 8px 28px rgba(20,50,42,.05)}.card p{color:var(--muted)}.tag{display:inline-block;background:var(--sage);padding:.3rem .65rem;border-radius:999px;font-size:.75rem;font-weight:850}
.article{width:min(820px,92%);margin:auto;padding:58px 0}.article h1{font-size:clamp(2.5rem,6vw,4.7rem)}.article p,.article li{font-size:1.05rem}.article .dek{font-size:1.25rem;color:#50605c}.toc{background:#eef3ed;border-radius:18px;padding:20px 24px;margin:30px 0}.callout{border-left:5px solid var(--accent);background:#fff4ed;padding:18px 22px;border-radius:0 14px 14px 0;margin:28px 0}.evidence{background:#edf5f0;border:1px solid #cfe0d5;padding:20px;border-radius:16px}.merchant{background:#fff4ed;border:1px solid #f0c9b8;padding:20px;border-radius:16px}.cta{background:var(--dark);color:#eef8f3;border-radius:22px;padding:28px;margin:38px 0}.cta h2,.cta h3{color:white}.cta a{color:white}.fine{font-size:.84rem;color:#6c7875}
footer{background:#102d28;color:#d8e5e0;padding:44px 0;margin-top:40px}footer a{color:white}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:25px}
.modalback{display:none;position:fixed;inset:0;background:rgba(5,20,17,.72);z-index:100;align-items:center;justify-content:center;padding:20px}.modalback.show{display:flex}.modal{position:relative;background:#fbfaf5;border-radius:24px;width:min(650px,96vw);padding:34px;box-shadow:0 30px 90px rgba(0,0,0,.35)}.close{position:absolute;right:15px;top:12px;border:0;background:transparent;font-size:1.7rem;cursor:pointer}.modal h2{margin:.2em 0}.modal .btn{width:100%;text-align:center;margin-top:10px}
table{width:100%;border-collapse:collapse;margin:24px 0;background:white}th,td{padding:13px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#edf3ed}
@media(max-width:800px){.grid,.footgrid{grid-template-columns:1fr}nav a:not(.btn){display:none}.hero{padding-top:50px}.article{padding-top:40px}}