*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:22px}
body{margin:0;background:#f6f1e7;color:#1e2230;font:17px/1.68 Arial,Helvetica,sans-serif}
.wrap{width:min(1140px,calc(100% - 48px));margin-inline:auto}
a{color:inherit;text-underline-offset:.23em}a:hover{color:#b07a2a}
a:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #e9c47c;outline-offset:5px}
.skip{position:absolute;top:-100px;left:20px;background:#fff;padding:12px;z-index:20}.skip:focus{top:10px}
.header{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:25px 0}
.header>p{font-size:11px;text-transform:uppercase;letter-spacing:1.8px;margin:0;flex:1}
.header-cta{font-size:13px;font-weight:800;text-decoration:underline;white-space:nowrap}
.wordmark{display:flex;align-items:center;gap:12px;text-decoration:none;font-weight:800;letter-spacing:.5px}
.wordmark span{display:grid;place-content:center;width:42px;height:42px;border:2px solid #1e2230;border-radius:50%;font:italic 29px Georgia,'Times New Roman',serif;color:#b07a2a}
.nav{display:flex;gap:30px;border-block:1px solid #cfc6b4;padding:14px 0;font-size:14px}
.nav a{text-decoration:none}.nav [aria-current]{font-weight:800;color:#b07a2a}.nav .nav-ext{margin-left:auto;font-weight:700}
.hero{background:#1b1f3a;color:#fff;padding:72px 0 0;overflow:hidden}
.hero.split{display:grid;grid-template-columns:1.6fr 1fr;padding:0}.hero.split>div{padding:72px 48px}.hero.split>aside{background:#b07a2a;color:#fff;padding:72px 40px;display:flex;flex-direction:column;justify-content:center}
.hero.split .hero-inner{max-width:none}
.hero-inner{max-width:1030px}.hero .eyebrow{color:#e9c47c}
.hero-art{margin-top:50px;display:block;width:100%;max-height:360px}
.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:10px;font-weight:800;color:#b07a2a;margin:0 0 18px}
h1,h2,h3{font-family:Georgia,'Times New Roman',serif;font-weight:400;line-height:1.08;margin:0 0 24px}
h1{font-size:clamp(46px,7vw,92px);letter-spacing:-3px}h1 em{font-style:italic;color:#e9c47c}
h2{font-size:clamp(31px,3.5vw,47px)}h3{font-size:26px}p{margin:0 0 22px}
.lead{font-size:21px;max-width:790px}
.button{display:inline-block;background:#e9c47c;color:#1e2230;padding:15px 22px;text-decoration:none;font-weight:800;border:1px solid #e9c47c}
.button:hover{background:#fff;color:#1e2230}.button.dark{background:#1e2230;color:#fff;border-color:#1e2230}
.btn-row{display:flex;flex-wrap:wrap;gap:16px 28px;align-items:center}
.ribbon{margin-top:65px;border-top:1px solid rgba(255,255,255,.35);display:flex;justify-content:space-around;white-space:nowrap;transform:rotate(-2deg) translateY(12px);background:#e9c47c;color:#1e2230;padding:17px;font:italic 19px Georgia,'Times New Roman',serif;gap:45px}
.notice{background:#ece4d2;padding:15px 0}.notice p{margin:0;font-size:13px}
.section{padding-block:70px}
.section-head{display:grid;grid-template-columns:.6fr 1fr 1fr;gap:40px;align-items:start;margin-bottom:35px}
.routes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.routes article{background:#fff;border:1px solid #1e2230;padding:27px;display:flex;flex-direction:column;min-height:400px}
.routes .number{font:italic 42px Georgia,'Times New Roman',serif;color:#b07a2a;margin-bottom:42px}
.routes h3{font-size:29px}.routes article>p:not(.number,.eyebrow){font-size:15px}
.routes article>a{font-size:14px;font-weight:700;margin-top:auto}
.routes .route-cta{margin-top:16px;background:#1e2230;color:#fff;padding:12px;text-decoration:none}.routes .route-cta:hover{background:#b07a2a}
.ledger{border-block:1px solid #1e2230;padding-block:55px;display:grid;grid-template-columns:.8fr 1.2fr;gap:65px}
.ledger-grid{display:grid;grid-template-columns:1fr 1fr}
.ledger-grid p{padding:17px;border-top:1px solid #cfc6b4;margin:0}.ledger-grid b,.ledger-grid span{display:block}.ledger-grid span{font-size:14px;margin-top:6px}
.article{max-width:800px;margin:55px auto}.article h2{font-size:35px;margin-top:45px}.article h3{font-size:24px;margin-top:30px}
.article ul,.article ol{padding-left:25px}.article li{margin-bottom:12px}
.article figure{margin:35px 0}.article figure svg,.article figure img{width:100%;height:auto;display:block}.article figcaption{font-size:13px;color:#b07a2a;margin-top:8px}
.page-head{padding:65px 0;border-bottom:1px solid #cfc6b4}.page-head h1{color:#1b1f3a}.page-head h1 em{color:#b07a2a}
.qa-list{padding-block:50px;max-width:900px}
.qa-list article{border-top:1px solid #1e2230;padding:28px 0;display:grid;grid-template-columns:160px 1fr 1.1fr;gap:30px}
.qa-list article:last-child{border-bottom:1px solid #1e2230}.qa-list h2{font-size:30px}
.stamp{font-size:10px;letter-spacing:1.5px;font-weight:800;color:#b07a2a}
.better{background:#ece4d2;padding:18px}
.steps{list-style:none;padding:0;margin:0;counter-reset:s}
.steps li{display:grid;grid-template-columns:70px 1fr;gap:20px;border-top:1px solid #1e2230;padding:24px 0}
.steps li:last-child{border-bottom:1px solid #1e2230}
.steps li::before{counter-increment:s;content:"0" counter(s);font:italic 34px Georgia,'Times New Roman',serif;color:#b07a2a}
.steps h3{margin-bottom:8px}.steps p{margin-bottom:8px}
.compare{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.compare article{border-top:5px solid #e9c47c;background:#fff;padding:25px}
.compare article>span{font:italic 40px Georgia,'Times New Roman',serif;color:#b07a2a}
.prompts{border:1px solid #1e2230}.prompts p{padding:17px 20px;border-bottom:1px solid #1e2230;margin:0}.prompts p:last-child{border:0}
.two-col{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;padding-block:55px}
.two-col h2{position:sticky;top:30px}
.faq{max-width:900px;margin:0 auto}.faq details{border-top:1px solid #1e2230;padding:18px 0}.faq details:last-child{border-bottom:1px solid #1e2230}
.faq summary{cursor:pointer;font:400 24px/1.2 Georgia,'Times New Roman',serif;list-style:none;display:flex;justify-content:space-between;gap:20px}
.faq summary::after{content:"+";color:#b07a2a;font-size:30px;line-height:1}.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:16px;font-size:16px}
.offer{background:#1b1f3a;color:#fff;padding:42px;margin-block:55px 70px;display:grid;grid-template-columns:1.3fr .7fr;gap:45px;align-items:center}
.offer .eyebrow{color:#e9c47c}.offer h2{font-size:36px}.fine{font-size:12px;opacity:.85}
.offer-links{display:flex;flex-direction:column;align-items:flex-start;gap:18px}.offer .light{background:#e9c47c}
.callout{border-left:5px solid #b07a2a;background:#fff;padding:22px 26px;margin:30px 0}
.checklist{list-style:none;padding:0}.checklist li{padding-left:34px;position:relative;margin-bottom:14px}
.checklist li::before{content:"✓";position:absolute;left:0;top:0;color:#b07a2a;font-weight:800;font-size:20px}
table{width:100%;border-collapse:collapse;font-size:15px;margin:25px 0}th,td{text-align:left;padding:12px 14px;border-bottom:1px solid #cfc6b4;vertical-align:top}th{font-size:11px;text-transform:uppercase;letter-spacing:1.5px;color:#b07a2a}
.legal{max-width:940px;overflow-wrap:anywhere;padding-block:40px}.legal h1{font-size:50px}.legal h2{font-size:27px;margin-top:40px}
.footer{border-top:1px solid #1e2230;padding-block:40px;display:grid;grid-template-columns:1fr 1fr;gap:65px;font-size:12px}
.footer .wordmark{display:inline-flex;margin-bottom:18px}.footer nav{display:flex;gap:24px}.footer-links a{margin-right:18px;font-weight:700}.footer-transparency{font-size:12px;margin-bottom:14px}
@media(max-width:850px){.section-head,.ledger,.two-col,.hero.split{grid-template-columns:1fr;gap:20px}.routes{grid-template-columns:1fr}.qa-list article{grid-template-columns:1fr;gap:8px}.offer{grid-template-columns:1fr}.ribbon{justify-content:flex-start;overflow:hidden}.two-col h2{position:static}.hero.split>div,.hero.split>aside{padding:45px 24px}}
@media(max-width:620px){.wrap{width:calc(100% - 30px)}.header>p{display:none}.nav{gap:10px 20px;overflow:auto}.hero{padding-top:45px}h1{letter-spacing:-2px}.section{padding-block:45px}.ledger-grid{grid-template-columns:1fr}.page-head{padding-block:45px}.offer{width:calc(100% - 30px);padding:27px}.offer-links{align-items:stretch}.button{text-align:center}.footer{grid-template-columns:1fr;gap:20px}.steps li{grid-template-columns:1fr;gap:4px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}.hero-grid img{width:100%;height:auto;display:block}.hero .lead{color:#e6e3f2}.hero.split>aside h2{color:#fff;font-size:34px}.hero.split>aside p{color:#fff}.offer .button{color:#1e2230}@media(max-width:850px){.hero-grid{grid-template-columns:1fr}.hero-grid img{max-width:420px;margin:0 auto}}.article .compare{grid-template-columns:repeat(3,1fr)}@media(max-width:850px){.article .compare{grid-template-columns:1fr}}