:root{
  --forest:#1a3a2e;
  --forest-deep:#0f2a20;
  --forest-mid:#2d5a45;
  --cream:#faf6ee;
  --cream-warm:#f3ecdb;
  --gold:#c9a961;
  --gold-deep:#a8862f;
  --ink:#2c2416;
  --muted:#6b6353;
  --rule:#e3dac4;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Lato',sans-serif;background:var(--cream);color:var(--ink);line-height:1.7;font-weight:400}
h1,h2,h3,h4{font-family:'Playfair Display',serif;color:var(--forest-deep);font-weight:600;line-height:1.25}
h1{font-size:clamp(2.2rem,4.5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3vw,2.4rem);margin-bottom:1rem;border-bottom:2px solid var(--gold);padding-bottom:.6rem;display:inline-block}
h3{font-size:1.35rem;margin:1.6rem 0 .6rem;color:var(--forest)}
h4{font-size:1.1rem;margin:1rem 0 .4rem;color:var(--forest-mid);font-weight:700}
p{margin-bottom:1rem}
a{color:var(--gold-deep);text-decoration:none;border-bottom:1px solid transparent;transition:border-color .2s}
a:hover{border-bottom-color:var(--gold-deep)}
ul,ol{margin:0 0 1rem 1.4rem}
li{margin-bottom:.5rem}

/* Nav */
.site-nav{background:var(--forest-deep);border-bottom:3px solid var(--gold);position:sticky;top:0;z-index:100}
.site-nav__inner{max-width:1180px;margin:0 auto;padding:1rem 1.5rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:1rem}
.site-nav__brand{font-family:'Playfair Display',serif;font-size:1.4rem;color:var(--cream);font-weight:700;letter-spacing:.5px;text-decoration:none}
.site-nav__brand span{color:var(--gold)}
.site-nav__links{display:flex;gap:1.6rem;flex-wrap:wrap;list-style:none;align-items:center}
.site-nav__links a{color:var(--cream);font-size:.92rem;text-transform:uppercase;letter-spacing:1.2px;border-bottom:2px solid transparent;padding-bottom:3px;font-weight:400}
.site-nav__links a:hover{color:var(--gold);border-bottom-color:var(--gold)}
.site-nav__links a.active{color:var(--gold);border-bottom-color:var(--gold);font-weight:700}

/* Hero */
.hero{background:linear-gradient(135deg,var(--forest-deep) 0%,var(--forest) 60%,var(--forest-mid) 100%);color:var(--cream);padding:4.5rem 1.5rem 4rem;position:relative;overflow:hidden}
.hero__inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1.1fr 1fr;gap:3rem;align-items:center}
.hero h1{color:var(--cream);margin-bottom:1rem}
.hero h1 em{color:var(--gold);font-style:normal}
.hero p{font-size:1.15rem;color:#e8e0c9;max-width:560px}
.hero__tag{display:inline-block;background:rgba(201,169,97,.15);border:1px solid var(--gold);color:var(--gold);padding:.35rem .9rem;border-radius:2px;font-size:.78rem;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:1.2rem}
.hero__chart{background:rgba(250,246,238,.04);border:1px solid rgba(201,169,97,.3);border-radius:4px;padding:1.5rem}
@media(max-width:840px){.hero__inner{grid-template-columns:1fr}}

/* Layout */
main{max-width:1100px;margin:0 auto;padding:3.5rem 1.5rem}
section{margin-bottom:4rem;scroll-margin-top:90px}
section > p, section > ul, section > ol{max-width:820px}

/* TOC */
.toc{background:var(--cream-warm);border-left:4px solid var(--gold);padding:1.5rem 1.8rem;margin-bottom:3.5rem;border-radius:0 4px 4px 0}
.toc h3{margin-top:0;color:var(--forest-deep)}
.toc ol{columns:2;column-gap:2rem;margin-bottom:0;list-style-position:inside}
.toc li{margin-bottom:.35rem;font-size:.95rem;break-inside:avoid}
@media(max-width:640px){.toc ol{columns:1}}

/* Cards & callouts */
.card{background:#fff;border:1px solid var(--rule);border-radius:4px;padding:1.6rem 1.8rem;margin:1.5rem 0;box-shadow:0 1px 3px rgba(26,58,46,.04)}
.callout{background:var(--cream-warm);border-left:4px solid var(--forest);padding:1.2rem 1.5rem;margin:1.5rem 0;border-radius:0 4px 4px 0}
.callout--gold{border-left-color:var(--gold)}
.callout strong{color:var(--forest-deep)}

/* Tables */
.table-wrap{overflow-x:auto;margin:1.5rem 0}
table{width:100%;border-collapse:collapse;background:#fff;font-size:.95rem}
th,td{padding:.85rem 1rem;text-align:left;border-bottom:1px solid var(--rule)}
th{background:var(--forest);color:var(--cream);font-family:'Playfair Display',serif;font-weight:600;letter-spacing:.3px}
tr:nth-child(even) td{background:var(--cream)}
td.num{text-align:right;font-variant-numeric:tabular-nums}

/* Charts */
.chart-box{background:#fff;border:1px solid var(--rule);border-radius:4px;padding:1.5rem;margin:1.8rem 0;box-shadow:0 1px 3px rgba(26,58,46,.04)}
.chart-box h4{margin-top:0;text-align:center;color:var(--forest-deep)}
.chart-box canvas{max-height:340px}

/* Calculator */
.calculator{background:linear-gradient(180deg,#fff 0%,#fffdf7 100%);border:1px solid var(--rule);border-top:4px solid var(--gold);padding:1.8rem;margin:2rem 0;border-radius:0 0 4px 4px;box-shadow:0 3px 14px rgba(26,58,46,.08)}
.calculator h3{margin-top:0;color:var(--forest-deep)}
.calculator__grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.5rem;margin:1rem 0 1.5rem}
@media(max-width:620px){.calculator__grid{grid-template-columns:1fr}}
.calculator__field label{display:block;font-size:.82rem;text-transform:uppercase;letter-spacing:.06em;font-weight:700;color:var(--forest-deep);margin-bottom:6px}
.calculator__field input[type=number]{width:100%;padding:11px 14px;border:1.5px solid var(--rule);border-radius:3px;font-family:inherit;font-size:1.05rem;background:#fff;color:var(--ink);font-variant-numeric:tabular-nums}
.calculator__field input[type=number]:focus{outline:none;border-color:var(--forest);box-shadow:0 0 0 3px rgba(26,58,46,.12)}
.calculator__results{background:var(--forest-deep);color:var(--cream);padding:1.5rem 1.8rem;border-radius:3px;margin-top:6px}
.calculator__results h4{color:var(--gold);margin:0 0 14px;font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;font-family:'Lato',sans-serif}
.calculator__row{display:flex;justify-content:space-between;align-items:baseline;padding:8px 0;border-bottom:1px solid rgba(201,169,97,.2)}
.calculator__row:last-child{border-bottom:0;padding-top:14px;margin-top:4px;border-top:1px solid var(--gold)}
.calculator__row--total{font-size:1.1rem}
.calculator__row--total .calculator__value{color:var(--gold);font-size:1.35rem;font-weight:700}
.calculator__label{font-size:.92rem;color:#d4cdb7}
.calculator__value{font-variant-numeric:tabular-nums;font-weight:700}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--rule);border-radius:4px;margin-bottom:10px;transition:border-color .15s}
.faq details[open]{border-color:var(--forest)}
.faq summary{padding:16px 22px;cursor:pointer;font-weight:700;font-family:'Playfair Display',serif;color:var(--forest-deep);font-size:1.05rem;list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--gold);font-weight:400;transition:transform .2s}
.faq details[open] summary::after{content:'\2212'}
.faq__body{padding:0 22px 20px;color:var(--muted);border-top:1px solid var(--rule);padding-top:16px}
.faq__body p:last-child{margin-bottom:0}

/* Footer */
.site-footer{background:var(--forest-deep);color:var(--cream);padding:3rem 1.5rem 2rem;margin-top:4rem;border-top:3px solid var(--gold)}
.site-footer__inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:2.5rem}
.site-footer h4{color:var(--gold);font-family:'Playfair Display',serif;margin-bottom:.8rem;font-size:1.05rem}
.site-footer ul{list-style:none;margin:0}
.site-footer li{margin-bottom:.4rem;font-size:.9rem}
.site-footer a{color:#d8cfb5}
.site-footer a:hover{color:var(--gold);border-bottom-color:var(--gold)}
.site-footer__bottom{max-width:1180px;margin:2.5rem auto 0;padding-top:1.5rem;border-top:1px solid rgba(201,169,97,.25);font-size:.82rem;color:#a8a08c;text-align:center}
.site-footer__bottom span{color:var(--gold)}
@media(max-width:720px){.site-footer__inner{grid-template-columns:1fr}}

.disclaimer{font-size:.85rem;color:var(--muted);font-style:italic;margin-top:1.5rem;padding:1rem;border:1px dashed var(--rule);border-radius:3px}