@font-face{font-family:ClubSans;src:local("Arial");font-display:swap}
:root{--cream:#fbf8f1;--paper:#fffdf8;--ink:#26382f;--green:#244c3c;--muted:#5d685f;--wine:#792940;--rose:#f1dfd9;--sage:#e9eee4;--line:#dddcd0;--gold:#ae7945;--radius:22px;--sans:ClubSans,Arial,Helvetica,sans-serif;--serif:Georgia,"Times New Roman",serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.65 var(--sans)}a{color:inherit;text-underline-offset:4px}button,input,select{font:inherit}button,a,input,select{touch-action:manipulation}button{cursor:pointer}a:hover{color:var(--wine)}img,svg{max-width:100%}img{display:block}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.08}h1{font-size:clamp(46px,5.4vw,78px);letter-spacing:-3px}h2{font-size:clamp(32px,3.3vw,48px);letter-spacing:-1.5px}h3{font-size:27px;letter-spacing:-.6px}p{margin-bottom:1em}.wrap{max-width:1200px;margin:auto;padding:0 32px}.topline{text-align:center;background:var(--green);color:#fffaf1;padding:8px 16px;font-size:12px;letter-spacing:.7px}.site-header{background:var(--cream);position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}.header-inner{height:96px;display:flex;align-items:center;gap:28px}.brand{text-decoration:none;display:flex;gap:10px;align-items:center;min-width:210px}.brand-icon{width:35px;color:var(--wine)}.brand-name{font:24px/.98 var(--serif);letter-spacing:-.6px}.brand-name small{font:9px var(--sans);display:block;letter-spacing:3.8px;margin-top:6px}.nav{display:flex;align-items:center;gap:26px;margin-left:auto}.nav a{text-decoration:none;font-size:14px}.nav a.active{color:var(--wine);text-decoration:underline}.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;border:1px solid var(--green);border-radius:50px;padding:13px 23px;background:var(--green);color:#fffef9;text-decoration:none;font-weight:600;font-size:14px;line-height:1.5;transition:transform .16s,background .16s}.btn:hover{background:#173829;color:#fff;transform:translateY(-1px)}.btn.wine{background:var(--wine);border-color:var(--wine)}.btn.wine:hover{background:#5c1b2d}.btn.outline{background:transparent;color:var(--green)}.btn.outline:hover{background:var(--sage)}.btn.light{background:var(--cream);color:var(--green);border-color:var(--cream)}.btn.small{padding:10px 18px;font-size:13px}.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:6px;padding:8px 12px;margin-left:auto}.eyebrow{text-transform:uppercase;font-size:10px;letter-spacing:2px;font-weight:700;color:var(--wine);margin-bottom:19px}.hero{display:grid;grid-template-columns:1.05fr 1fr;gap:55px;align-items:center;padding-top:56px;padding-bottom:54px}.hero h1{margin-bottom:24px}.hero h1 em{color:var(--wine);font-weight:400}.hero .lead{font-size:18px;max-width:460px;line-height:1.65;color:var(--muted);margin-bottom:28px}.button-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}.quiet-link{font-size:14px;font-weight:600;padding:8px 4px}.hero-photo{position:relative;min-width:0}.hero-photo>img{width:100%;height:auto;aspect-ratio:.94;object-fit:cover;object-position:47% 50%;border-radius:140px 140px 22px 22px}.image-note{position:absolute;bottom:25px;left:-25px;background:var(--paper);box-shadow:0 12px 30px #26382f1a;border-radius:12px;padding:19px 24px;transform:rotate(-3deg);max-width:255px}.image-note strong{font:23px var(--serif);display:block}.image-note span{font-size:12px;color:var(--muted)}.hero-meta{display:flex;gap:17px;align-items:center;font-size:11px;line-height:1.5;margin-top:29px;color:var(--muted);flex-wrap:wrap}.hero-meta span::before{content:'✓';margin-right:6px;color:var(--wine)}.intro-strip{border-block:1px solid var(--line);padding-block:22px;display:flex;justify-content:center;gap:45px;text-align:center;font-size:14px}.intro-strip strong{font-family:var(--serif);font-size:20px;font-weight:400}.section{padding-top:72px;padding-bottom:72px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:26px;margin-bottom:28px}.section-heading h2{margin-bottom:0}.section-heading>p{max-width:400px;margin:0;color:var(--muted)}.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.path{border-radius:var(--radius);padding:28px;text-decoration:none;position:relative;min-height:264px;display:flex;flex-direction:column}.path:nth-child(1){background:var(--sage)}.path:nth-child(2){background:var(--rose)}.path:nth-child(3){background:#efe9d9}.path .number{font-size:11px;letter-spacing:2px;margin-bottom:36px}.path h3{max-width:260px;margin-bottom:14px}.path p{font-size:14px;line-height:1.7;color:var(--muted);max-width:275px}.path .arrow{margin-top:auto;font-size:24px;line-height:1}.path:hover{box-shadow:0 6px 15px #26382f0d}.planner-teaser{display:grid;grid-template-columns:1fr 1fr;gap:65px;padding:50px;background:var(--green);border-radius:28px;color:var(--cream);align-items:center}.planner-teaser .eyebrow{color:#ded6ae}.planner-teaser h2{max-width:390px}.planner-teaser p{color:#e2e9dd}.mini-plan{background:var(--paper);border-radius:18px;color:var(--ink);padding:27px;transform:rotate(2deg)}.mini-plan h3{font-size:24px;margin-bottom:20px}.mini-plan .line{display:flex;justify-content:space-between;gap:14px;font-size:14px;border-bottom:1px solid var(--line);padding-block:9px}.mini-plan .line strong{color:var(--wine)}.mini-plan .total{font:39px var(--serif);color:var(--wine);margin:16px 0 0}.mini-plan .small-note{font-size:11px;color:var(--muted)}.section.warm{background:#f2ede2}.grid-articles{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.article-card{display:flex;flex-direction:column;min-width:0}.article-card a{text-decoration:none}.card-art{height:190px;border-radius:15px;position:relative;overflow:hidden;background:var(--sage);display:flex;align-items:center;justify-content:center;margin-bottom:18px}.card-art svg{width:120px;height:120px}.card-art.rose{background:var(--rose)}.card-art.sand{background:#eee4ce}.card-art.green{background:#dce6d9}.article-card .tag,.tag{font-size:10px;text-transform:uppercase;letter-spacing:1.7px;font-weight:bold;color:var(--wine);display:inline-block;margin-bottom:10px}.article-card h3{font-size:26px;line-height:1.18;margin-bottom:11px}.article-card p{font-size:14px;color:var(--muted);line-height:1.7;margin-bottom:12px}.article-card .read{font-size:12px;color:var(--muted);margin-top:auto}.article-card:hover h3{color:var(--wine)}.split-feature{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}.split-feature>div>p{color:var(--muted)}.list-rows{border-top:1px solid var(--line)}.list-row{display:flex;gap:18px;padding:23px 0;border-bottom:1px solid var(--line);text-decoration:none}.list-row .counter{color:var(--wine);font:25px var(--serif)}.list-row h3{font-size:23px;margin-bottom:7px}.list-row p{color:var(--muted);font-size:14px;margin:0}.list-row .arrow{margin-left:auto;white-space:nowrap;font-size:20px}.credit-band{background:var(--rose);border-radius:25px;padding:40px;display:grid;grid-template-columns:1.2fr .8fr;gap:45px;align-items:center}.credit-band p{color:#5d4f51;font-size:15px}.credit-band h2{font-size:39px}.credit-points{border-left:1px solid #d2b9b5;padding-left:35px}.credit-points p{font-size:14px;margin:12px 0}.faqs{max-width:850px;margin:auto}.faqs h2{text-align:center;margin-bottom:30px}details{border-bottom:1px solid var(--line);padding-block:19px}summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:20px}summary::after{content:'+';color:var(--wine);font-size:22px;line-height:1}details[open] summary::after{content:'−'}details p{margin-top:13px;font-size:14px;color:var(--muted)}.closing{background:var(--green);color:var(--cream);text-align:center;padding:52px 25px}.closing h2{margin-bottom:16px}.closing p{max-width:630px;margin:0 auto 25px;color:#e1e8df}.footer{padding-top:42px;padding-bottom:30px}.footer-main{display:flex;justify-content:space-between;gap:30px;margin-bottom:30px}.footer-links{display:flex;flex-wrap:wrap;gap:20px;font-size:12px;align-items:start}.footer-note{font-size:11px;color:var(--muted);line-height:1.8;border-top:1px solid var(--line);padding-top:24px;margin-bottom:0}.page-intro{padding-top:50px;padding-bottom:40px;max-width:850px}.page-intro h1{font-size:clamp(42px,5vw,65px);margin-bottom:22px}.page-intro .lead{font-size:18px;color:var(--muted)}.breadcrumb{font-size:11px;color:var(--muted);margin-bottom:24px}.breadcrumb a{text-decoration:none}.filters{display:flex;gap:9px;flex-wrap:wrap;margin-bottom:28px}.filter{padding:9px 17px;border:1px solid var(--line);border-radius:30px;background:transparent;color:var(--ink);font-size:13px}.filter[aria-pressed=true]{background:var(--green);color:white;border-color:var(--green)}.search-box{display:flex;align-items:center;gap:15px;max-width:600px;margin-bottom:20px}.search-box label{font-size:13px;font-weight:600;white-space:nowrap}.search-box input{border:1px solid var(--line);padding:11px 16px;border-radius:30px;width:100%;background:var(--paper);color:var(--ink)}.empty{padding:30px;text-align:center;background:var(--sage);border-radius:12px}.article-header{max-width:820px;margin:auto;padding:48px 0 24px}.article-header h1{font-size:clamp(40px,4.5vw,61px);letter-spacing:-2px;line-height:1.07}.article-header .deck{font-size:19px;color:var(--muted)}.article-meta{font-size:12px;display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);margin:20px 0}.disclosure{border-left:3px solid var(--wine);padding:12px 18px;font-size:12px;background:#f1ece4;color:var(--muted)}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 260px;gap:65px;align-items:start;padding-bottom:65px}.article-body{font-size:17px;line-height:1.85}.article-body h2{font-size:32px;letter-spacing:-.9px;line-height:1.2;margin-top:37px;margin-bottom:18px}.article-body h3{font-size:25px;margin-top:25px}.article-body ul,.article-body ol{padding-left:23px}.article-body li{margin-bottom:10px}.article-body a{color:var(--wine)}.article-body .takeaway{background:var(--sage);padding:25px;border-radius:16px}.article-sidebar{position:sticky;top:125px;border-top:2px solid var(--wine);padding-top:18px}.article-sidebar h3{font-size:22px}.article-sidebar a{display:block;margin-bottom:12px;font-size:13px;text-decoration:none}.article-sidebar .btn{margin-top:24px;display:flex}.source-list{border-top:1px solid var(--line);padding-top:20px;margin-top:35px}.source-list h2{font-size:24px}.source-list ol{font-size:13px;line-height:1.8}.tool-box{border:1px solid #c9d6c5;background:var(--sage);border-radius:16px;padding:24px;margin-top:30px}.tool-box .btn{color:white}.tool-box h3{margin-top:0}.tool-box p{font-size:14px}.planner-layout{display:grid;grid-template-columns:1fr .8fr;gap:30px;align-items:start;margin-bottom:65px}.form-panel{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:30px}.form-panel h2{font-size:28px;letter-spacing:-.7px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field{display:flex;flex-direction:column;gap:7px}.field label{font-size:13px;font-weight:bold}.field input,.field select{border:1px solid #c7cabd;padding:11px 12px;border-radius:8px;width:100%;background:var(--paper);color:var(--ink);min-width:0}.field small{font-size:11px;color:var(--muted);line-height:1.5}.full{grid-column:1/-1}.form-section{padding-top:25px;margin-top:25px;border-top:1px solid var(--line)}.form-section h3{font-size:23px}.result-panel{background:var(--green);color:var(--cream);border-radius:22px;padding:34px;position:sticky;top:120px}.result-panel .eyebrow{color:#e1cda0}.result-panel .result-amount{font:68px var(--serif);letter-spacing:-2px;line-height:1.1}.result-panel .result-caption{color:#e0e7dc;font-size:14px}.result-panel dl{margin-top:25px;margin-bottom:24px}.result-panel dl div{display:flex;justify-content:space-between;gap:20px;padding:11px 0;border-bottom:1px solid #ffffff35;font-size:14px}.result-panel dt{color:#e0e7dc}.result-panel dd{margin:0;font-weight:bold}.result-panel .small-note{font-size:12px;color:#e0e7dc;line-height:1.7}.status-message{font-size:12px;min-height:23px;margin:12px 0 0}.planner-note{font-size:12px;margin:16px 0;color:var(--muted)}.notice{background:var(--sage);padding:21px 25px;border-radius:12px;margin-bottom:25px;font-size:14px}.comparison-wrap{overflow-x:auto;margin:25px 0 35px}.comparison{width:100%;border-collapse:collapse;font-size:14px;min-width:690px}.comparison th{text-align:left;background:var(--green);color:var(--cream);font-size:12px;padding:16px;font-weight:600}.comparison td{padding:20px 16px;vertical-align:top;border-bottom:1px solid var(--line)}.comparison tr:nth-child(even){background:var(--paper)}.comparison td strong{display:block;margin-bottom:4px}.comparison .kind{font-size:12px;color:var(--muted)}.comparison a{color:var(--wine);white-space:nowrap}.resource-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.resource{border:1px solid var(--line);border-radius:18px;padding:26px;background:var(--paper)}.resource p{font-size:14px;color:var(--muted)}.resource h3{font-size:25px}.policy{max-width:820px;margin:auto;padding-bottom:60px}.policy h2{font-size:30px;margin-top:30px}.policy p,.policy li{color:var(--muted)}.skip{position:absolute;top:-70px;left:15px;z-index:999;background:white;padding:12px}.skip:focus{top:10px}:focus-visible{outline:3px solid #b77743;outline-offset:4px}[hidden]{display:none!important}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}.search-status{font-size:12px;color:var(--muted);margin-bottom:24px}
@media(max-width:1000px){.nav{gap:16px}.header-inner>.btn{display:none}.hero{gap:35px}.hero h1{font-size:62px}.article-layout{grid-template-columns:minmax(0,1fr) 220px;gap:40px}.planner-teaser{gap:35px;padding:35px}.split-feature{gap:35px}.brand{min-width:195px}}
@media(max-width:760px){.wrap{padding:0 21px}.header-inner{height:78px;flex-wrap:wrap;position:relative}.brand-name{font-size:21px}.brand-icon{width:29px}.brand{min-width:0}.menu-toggle{display:block}.nav{display:none;position:absolute;top:77px;left:0;right:0;background:var(--cream);padding:22px;box-shadow:0 12px 20px #26382f14;flex-direction:column;align-items:stretch;gap:17px;border-bottom:1px solid var(--line)}.nav.open{display:flex}.hero{grid-template-columns:1fr;gap:35px;padding-top:37px;padding-bottom:35px}.hero h1{font-size:57px;letter-spacing:-2.5px;max-width:500px}.hero .lead{font-size:17px}.hero-photo{padding:0 0 14px 12px}.hero-photo>img{aspect-ratio:1.3;border-radius:90px 90px 18px 18px}.image-note{left:0;bottom:0;padding:13px 19px}.image-note strong{font-size:20px}.hero-meta{margin-top:20px;gap:12px;font-size:10px}.intro-strip{gap:12px;flex-direction:column;padding:20px}.section{padding-top:46px;padding-bottom:46px}.section-heading{flex-direction:column;align-items:start;gap:15px}.path-grid{grid-template-columns:1fr;gap:13px}.path{min-height:0;padding:25px}.path .number{margin-bottom:18px}.path p{max-width:none}.path h3{max-width:none}.path .arrow{position:absolute;right:25px;top:21px}.planner-teaser{grid-template-columns:1fr;padding:28px;gap:25px}.mini-plan{transform:rotate(1deg)}.grid-articles{grid-template-columns:1fr;gap:33px}.article-card h3{font-size:29px}.card-art{height:190px}.split-feature,.credit-band{grid-template-columns:1fr;gap:25px}.credit-band{padding:28px}.credit-points{border-left:0;border-top:1px solid #d2b9b5;padding:15px 0 0}.footer-main{flex-direction:column}.footer-links{gap:14px}.page-intro{padding-top:35px;padding-bottom:28px}.page-intro h1{letter-spacing:-1.7px}.article-header{padding-top:30px}.article-header h1{font-size:43px;letter-spacing:-1.6px}.article-layout{grid-template-columns:1fr;gap:22px}.article-sidebar{position:static;order:-1}.article-sidebar h3,.article-sidebar .toc{display:none}.article-sidebar .btn{margin:0;max-width:250px}.article-body{font-size:16px}.article-body h2{font-size:29px}.planner-layout{grid-template-columns:1fr}.form-panel{padding:24px}.result-panel{position:static;padding:28px}.resource-grid{grid-template-columns:1fr}.search-box{flex-direction:column;align-items:start;gap:7px}.closing h2{font-size:36px}.form-grid{gap:18px 12px}.field label{font-size:12px}.result-panel .result-amount{font-size:61px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}
@media print{.site-header,.topline,.footer,.closing,.menu-toggle,.button-row,.article-sidebar{display:none}.planner-layout{display:block}.form-panel,.result-panel{break-inside:avoid;position:static;color:#111;background:white;border:1px solid #aaa;margin-bottom:20px}.result-panel .small-note,.result-panel dt,.result-panel .result-caption,.result-panel .eyebrow{color:#333}.result-panel dl div{border-color:#aaa}body{background:white;color:#111}.wrap{max-width:100%;padding:0}.page-intro{padding:0}.result-panel .result-amount{font-size:40px}}