:root {
  color-scheme: light dark;
  --bg: #f6f4ef;
  --surface: #ffffff;
  --surface-2: #efede6;
  --ink: #1d2521;
  --muted: #5b665f;
  --line: #ddd8cc;
  --pine: #14663f;
  --pine-dark: #0d4d2e;
  --pine-soft: #e2efe6;
  --maple: #b3352b;
  --maple-soft: #f9e9e6;
  --amber: #8a5a12;
  --amber-soft: #f7ecd4;
  --shadow: 0 10px 30px rgba(29, 37, 33, 0.08);
  --radius: 14px;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #111613;
    --surface: #1a201c;
    --surface-2: #222a25;
    --ink: #e9ede9;
    --muted: #a3aea6;
    --line: #333d36;
    --pine: #4cb782;
    --pine-dark: #7cc9a1;
    --pine-soft: #1d2f26;
    --maple: #e07a6d;
    --maple-soft: #37231f;
    --amber: #e0b45c;
    --amber-soft: #33291a;
    --shadow: 0 10px 30px rgba(0, 0, 0, 0.35);
  }
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 16.5px;
  line-height: 1.6;
}
h1, h2, h3 { font-family: "Archivo", "Public Sans", sans-serif; line-height: 1.15; margin: 0; }
h1 { font-size: clamp(1.9rem, 4.6vw, 2.8rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 3.2vw, 2rem); font-weight: 800; letter-spacing: -0.01em; }
h3 { font-size: 1.13rem; font-weight: 700; }
p { margin: 0; }
a { color: var(--pine); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }

.disclosure {
  background: var(--pine-dark);
  color: #eaf4ee;
  font-size: 0.82rem;
  text-align: center;
  padding: 8px 16px;
}
@media (prefers-color-scheme: dark) { .disclosure { background: #0b3520; } }
.disclosure a { color: #bfe3cf; }
header.site {
  position: sticky; top: 0; z-index: 20;
  background: color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 12px 0; }
.wordmark { font-family: "Archivo", sans-serif; font-weight: 800; font-size: 1.02rem; color: var(--ink); text-decoration: none; letter-spacing: -0.01em; white-space: nowrap; }
.wordmark .ca { color: var(--maple); }
nav.main { display: flex; gap: 18px; flex-wrap: wrap; justify-content: flex-end; }
nav.main a { color: var(--ink); text-decoration: none; font-size: 0.92rem; font-weight: 600; }
nav.main a:hover, nav.main a[aria-current="page"] { color: var(--pine); }
@media (max-width: 820px) { nav.main { display: none; } }

.breadcrumb { font-size: 0.85rem; color: var(--muted); padding: 18px 0 0; }
.breadcrumb a { color: var(--muted); }
.page-head { padding: 14px 0 6px; max-width: 46em; }
.page-head .lede { margin-top: 12px; font-size: 1.08rem; color: var(--muted); }
.byline { font-size: 0.85rem; color: var(--muted); margin-top: 12px; }

.hero { padding: 40px 0 8px; }
.hero-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 36px; align-items: center; }
@media (max-width: 860px) { .hero-grid { grid-template-columns: 1fr; } }
.hero .lede { margin-top: 16px; font-size: 1.1rem; color: var(--muted); max-width: 34em; }
.hero-photo { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.hero-photo img { display: block; width: 100%; height: 100%; object-fit: cover; aspect-ratio: 16 / 11; }
figure.photo { margin: 0; }
figure.photo figcaption { font-size: 0.8rem; color: var(--muted); padding-top: 8px; }
.cta-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 24px; }
.btn {
  display: inline-block; text-decoration: none; font-weight: 700; font-size: 0.98rem;
  padding: 13px 22px; border-radius: 10px; border: 1px solid transparent; cursor: pointer;
}
.btn-primary { background: var(--pine); color: #fff; }
@media (prefers-color-scheme: dark) { .btn-primary { color: #0c1a12; } }
.btn-primary:hover { background: var(--pine-dark); }
@media (prefers-color-scheme: dark) { .btn-primary:hover { color: #0c1a12; } }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--pine); color: var(--pine); }
.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 28px; }
@media (max-width: 560px) { .stat-row { grid-template-columns: 1fr; } }
.stat { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; }
.stat .big { font-family: "Archivo", sans-serif; font-weight: 800; font-size: 1.3rem; }
.stat .small { font-size: 0.85rem; color: var(--muted); margin-top: 2px; }

section.block { padding: 48px 0 8px; }
.section-head { max-width: 44em; }
.section-head p { color: var(--muted); margin-top: 10px; }
.prose p { color: var(--muted); margin-top: 14px; max-width: 46em; }
.prose p strong, .prose li strong { color: var(--ink); }
.prose ul, .prose ol { color: var(--muted); max-width: 44em; padding-left: 22px; }
.prose li { margin-top: 6px; }
.prose h2 { margin-top: 38px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 24px; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 26px; }
@media (max-width: 860px) { .cards { grid-template-columns: 1fr; } }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.card .tag { display: inline-block; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--pine); background: var(--pine-soft); padding: 4px 10px; border-radius: 999px; margin-bottom: 12px; }
.card p { color: var(--muted); font-size: 0.95rem; margin-top: 8px; }
.card ul { margin: 12px 0 0; padding-left: 18px; color: var(--muted); font-size: 0.95rem; }
.card ul li { margin-top: 4px; }
.card a.more { display: inline-block; margin-top: 12px; font-weight: 700; font-size: 0.92rem; text-decoration: none; }
.card a.more:hover { text-decoration: underline; }

.guides { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 26px; }
@media (max-width: 720px) { .guides { grid-template-columns: 1fr; } }
.guide-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; text-decoration: none; color: var(--ink); display: block; }
.guide-card:hover { border-color: var(--pine); }
.guide-card .kicker { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; color: var(--pine); }
.guide-card h3 { margin-top: 8px; }
.guide-card p { color: var(--muted); font-size: 0.95rem; margin-top: 6px; }

.not-covered, .callout { margin-top: 16px; background: var(--maple-soft); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; }
.not-covered h3 { color: var(--maple); font-size: 1rem; }
.callout h3 { font-size: 1rem; }
.not-covered p, .callout p { color: var(--muted); font-size: 0.95rem; margin-top: 6px; }
.callout.pine { background: var(--pine-soft); }
.callout.amber { background: var(--amber-soft); }
.callout.amber strong { color: var(--amber); }

.estimator { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); margin-top: 26px; padding: 24px; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip {
  font: inherit; font-size: 0.92rem; font-weight: 600; cursor: pointer;
  background: var(--surface-2); color: var(--ink);
  border: 1px solid var(--line); border-radius: 999px; padding: 9px 15px;
}
.chip .val { color: var(--muted); font-weight: 500; }
.chip[aria-pressed="true"] { background: var(--pine-soft); border-color: var(--pine); color: var(--ink); }
.chip[aria-pressed="true"] .val { color: var(--pine); }
.est-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 22px; }
@media (max-width: 720px) { .est-results { grid-template-columns: 1fr; } }
.est-box { background: var(--surface-2); border-radius: 10px; padding: 16px; }
.est-box .label { font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em; color: var(--muted); }
.est-box .figure { font-family: "Archivo", sans-serif; font-weight: 800; font-size: 1.45rem; margin-top: 4px; }
.est-box .note { font-size: 0.85rem; color: var(--muted); margin-top: 2px; }
.fineprint { font-size: 0.85rem; color: var(--muted); margin-top: 14px; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 26px; }
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; } }
.panel { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.panel ul { margin: 10px 0 0; padding-left: 18px; color: var(--muted); font-size: 0.96rem; }
.panel ul li { margin-top: 6px; }
.panel p { color: var(--muted); font-size: 0.96rem; margin-top: 8px; }
.panel strong { color: var(--ink); }
.panel.pros li::marker { color: var(--pine); }
.panel.cons li::marker { color: var(--maple); }

.provider { background: var(--surface); border: 2px solid var(--pine); border-radius: var(--radius); box-shadow: var(--shadow); margin-top: 26px; overflow: hidden; }
.provider-top { padding: 26px 26px 0; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; align-items: flex-start; }
.pick-badge { background: var(--pine); color: #fff; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; padding: 6px 12px; border-radius: 999px; white-space: nowrap; }
@media (prefers-color-scheme: dark) { .pick-badge { color: #0c1a12; } }
.provider-body { padding: 8px 26px 26px; }
.provider-body > p { color: var(--muted); max-width: 46em; margin-top: 10px; }
.feature-list { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 28px; margin: 18px 0 0; padding: 0; list-style: none; }
@media (max-width: 720px) { .feature-list { grid-template-columns: 1fr; } }
.feature-list li { padding-left: 26px; position: relative; font-size: 0.97rem; color: var(--muted); }
.feature-list li::before { content: "✓"; position: absolute; left: 0; color: var(--pine); font-weight: 800; }
.feature-list li strong { color: var(--ink); }
.checker { margin-top: 22px; background: var(--surface-2); border-radius: 10px; padding: 18px; }
.checker label { font-weight: 700; font-size: 0.95rem; display: block; margin-bottom: 8px; }
.checker select {
  font: inherit; padding: 10px 12px; border-radius: 8px; border: 1px solid var(--line);
  background: var(--surface); color: var(--ink); width: 100%; max-width: 340px;
}
.checker-result { margin-top: 12px; font-size: 0.97rem; }
.checker-result .yes { color: var(--pine); font-weight: 700; }
.checker-result .no { color: var(--maple); font-weight: 700; }

.table-scroll { margin-top: 26px; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: var(--surface); }
table { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
th, td { text-align: left; padding: 12px 16px; vertical-align: top; }
thead th { background: var(--surface-2); font-family: "Archivo", sans-serif; font-size: 0.85rem; letter-spacing: 0.02em; }
tbody tr + tr td { border-top: 1px solid var(--line); }
td.prov { font-weight: 700; white-space: nowrap; }
td.num { white-space: nowrap; font-variant-numeric: tabular-nums; }
@media (max-width: 720px) {
  table, tbody, tr, td { display: block; width: 100%; }
  thead { display: none; }
  tbody tr { padding: 10px 0; }
  tbody tr + tr { border-top: 1px solid var(--line); }
  td { padding: 3px 16px; border: none !important; }
  td.prov { padding-top: 8px; font-size: 1.02rem; }
  td .cell-label { font-weight: 700; color: var(--muted); font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.04em; display: block; }
}
@media (min-width: 721px) { td .cell-label { display: none; } }

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 26px; }
@media (max-width: 960px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.step .num { font-family: "Archivo", sans-serif; font-weight: 800; font-size: 1.6rem; color: var(--pine); }
.step p { color: var(--muted); font-size: 0.94rem; margin-top: 6px; }

.faq { margin-top: 26px; display: grid; gap: 10px; }
details.faq-item { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 4px 20px; }
details.faq-item summary { cursor: pointer; font-weight: 700; padding: 14px 0; font-size: 1rem; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after { content: "+"; color: var(--pine); font-weight: 800; font-size: 1.2rem; line-height: 1; }
details.faq-item[open ] summary::after { content: "–"; }
details.faq-item p { color: var(--muted); padding: 0 0 16px; font-size: 0.96rem; }

.related { margin-top: 44px; border-top: 1px solid var(--line); padding-top: 22px; }
.related h2 { font-size: 1.25rem; }
.related ul { list-style: none; margin: 12px 0 0; padding: 0; display: grid; gap: 8px; }
.related a { font-weight: 600; text-decoration: none; }
.related a:hover { text-decoration: underline; }
.related .desc { color: var(--muted); font-size: 0.92rem; }

footer.site { margin-top: 64px; border-top: 1px solid var(--line); background: var(--surface); }
.footer-inner { padding: 32px 0 40px; display: grid; gap: 18px; }
footer.site h3 { font-size: 0.95rem; }
footer.site p, footer.site li { font-size: 0.88rem; color: var(--muted); }
footer.site ul { margin: 6px 0 0; padding-left: 18px; }
footer.site nav.sitemap-links ul { list-style: none; padding-left: 0; display: grid; gap: 5px; }
footer.site nav.sitemap-links a { text-decoration: none; font-weight: 600; }
footer.site nav.sitemap-links a:hover { text-decoration: underline; }
.footer-cols { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 28px; }
@media (max-width: 860px) { .footer-cols { grid-template-columns: 1fr; } }